Five Star award winner Adrian P. Concepcion

PROFESSIONAL PROFILE

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Adrian P. Concepcion

Financial Advisor

Confluence Wealth Management Group

A private wealth advisory practice of Ameriprise Financial Services, LLC

2173 Salk Ave Ste 250

Carlsbad, CA 92008

Office: (442) 244-2851

Cell: (760) 539-3013

adrian.concepcion@ampf.com
www.amerpriseadvisors.com/adrian.concepcion

Professional Approach

With over 20 years of financial planning and investment experience, Adrian offers a wealth of knowledge in comprehensive financial planning, retirement planning strategies, business retirement plans and wealth preservation strategies. He focuses on developing and implementing customized wealth planning strategies that enable clients to both optimize the wealth they have already achieved and proactively align their financial lives with future goals. He also works in collaboration with clients’ legal and tax advisers to address estate planning and tax management issues.

Adrian is a CERTIFIED FINANCIAL PLANNER™ certificant (CFP®), a designation awarded by the Certified Financial Planner Board of Standards, Inc., and he also holds the Chartered Financial Consultant® (ChFC®) designation awarded by the American College, the Chartered Retirement Planning Counselor™ (CRPC™) and the Accredited Portfolio Management Advisor™ (APMA®) designations awarded by the College for Financial Planning. He holds the Series 7, 63 and 65 registrations with Ameriprise Financial.

Adrian graduated from San Diego State University with a B.S. in Business Administration (Finance) and received his M.B.A. with an emphasis in Finance from the University of Redlands. He is a San Diego native and currently lives in North San Diego with his wife, Red and sons: Gavin, Brayden, Jalen and daughter: Kalia. Adrian is active in his local and state wrestling communities as the Vice President of the San Diego Imperial Kids Wrestling Association and Kids Director for the California USA Wrestling Association. Outside the office, Adrian enjoys running, hiking, snowboarding and going on family vacations.

See Accomplishments

This award was issued on 12/01/2025 by Five Star Professional (FSP) for the time period 02/12/2025 through 08/01/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 2663 San Diego-area wealth managers were considered for the award; 187 (7 % of candidates) were named 2026 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2025: 2,588, 190, 7%, 12/1/24, 2/13/24 - 8/30/24; 2024: 2,242, 197, 9%, 12/1/23, 2/13/23 - 8/31/23; 2023: 2,125, 211, 10%, 12/1/22, 3/21/22 - 9/16/22; 2022: 2,084, 223, 11%, 12/1/21, 4/12/21 - 10/15/21; 2021: 2,218, 231, 10% 12/1/20, 3/30/20 - 10/16/20; 2020: 2018, 219, 11%, 12/1/19, 3/1/19 - 10/18/19; 2019: 1,885, 224, 12%, 12/1/18, 3/23/18 - 10/15/18; 2018: 1,498, 228, 15%, 12/1/17, 3/22/17 - 10/17/17; 2017: 1,349, 349, 26%, 11/1/16, 2/25/16 - 10/14/16; 2016: 1,337, 349, 27%, 11/1/15, 6/2/15 - 10/23/15; 2015: 1,639, 350, 21%, 12/1/14, 6/2/14 - 10/23/14; 2014: 1,838, 368, 20%, 12/1/13, 6/2/13 - 10/23/13; 2013: 1,675, 417, 25%, 12/1/12, 6/2/12 - 10/23/12; 2012: 1,014, 284, 28%, 11/1/11, 6/2/11 - 10/23/11.

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Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser. Ameriprise Financial Services, LLC. Member FINRA and SIPC.

CA License # 0C32863

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients’ assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.