The Firm

"We take great pride in helping neighbors, friends, families and business owners make good decisions when it comes to being financially prepared for many of life's pivotal events. We hold a strong belief that doing business the right way leads to long-lasting relationships with the communities we serve."

 

Wealth Concepts, LLC takes a strategic approach to comprehensive financial, estate, and business planning.
 
Our clients typically already have existing advisors in place and have put in place some level of business, estate or investment strategy.
 
Why then would they hire us?
 
Most often, we find it is due to a lack of coordination and a desire to take their financial strategy to the next level. We look at a client’s entire financial picture on a cross-disciplinary basis. Through our detailed approach and process, we are able to uncover coordination gaps and missed opportunities in their strategy due to years of nonintegrated advice.  
 
Through our methodology, we are able to demonstrate the specific value we can bring to positively impact our clients’ situations.  Based on our ability to quantify this value our clients make a determination to engage our services. Once hired, we enter our clients’ lives and most often become the lead, driving the strategies and implementation process.
 
We operate from an open-architecture perspective. Our associates have access to the most competitive insurance and investment products. Wealth Concepts operates as a general agency of Massachusetts Mutual Life Insurance Company (MassMutual), an extremely strong and solid financial institution. This provides us with many of the necessary tools and capital required to be competitive in today’s marketplace that only a large institution can provide. Many of our associates have come from not only traditional life companies, but also various forms of independent broker/dealers and alliances. We believe we offer the strength and backing a large institution affords, while providing an advanced process and culture within our local environment.
 
Wealth Concepts, LLC provides the resources required to not only help a financial planning professional transition their practice to a comprehensive, and sometimes, fee based approach, but eaqually as important, the tools necessary to help the associate move "up marekt" or work with higher net-worth clientele.  We do this by providing on-going high level education, skill building, case design, and individual coaching all at the local level.
 
 
"When choosing a company to represent, consider
the company’s reputation, history and future prospects."

 

  

Strength You Can Trust
We take great pride in helping neighbors, friends, families and business owners make good decisions when it comes to being financially prepared for many of life’s pivotal events. We hold a strong belief that doing business the right way leads to long-lasting relationships with the communities we serve.
 
As a general agency of Massachusetts Mutual Life Insurance Company (MassMutual) we are able to leverage their 159 years of experience to meet the many personal and business needs of local residents and firms. As a mutual company since 1851, MassMutual has taken a disciplined, prudent approach to business that puts the needs of its policyholders first. Staying true to this long-term philosophy, the company was able to increase its statutory surplus during 2009 and maintain financial strength ratings among the highest in the industry.1 MassMutual has also paid dividends to eligible, participating policyholders continuously since the 1860s.2
 
MassMutual is committed to the communities it does business in as reflected by the nearly $7 million in philanthropic support it provided in 2009. This support helps create a better quality of life as well as contributes to the economic vitality of our communities.
 
Financial professionals you can trust with credentials you can trust
Our mission is to raise the level of professionalism of our producers and, by extension, the financial services industry as a whole. With an emphasis on high professional standards in our agents’ knowledge, ethics, and experience, we believe that specialized training and education is critical in reinforcing trust with our clients and creating a positive impact.

 

 

Building Relationships
The following information illustrates Wealth Concepts' extensive reach in the Denver Metro Area based on its client relationships with MassMutual and affiliates as of year-end 20093.

 

 

Number of Clients4:
25,083
  
Life insurance coverage in force 5:
$3,563,842,650
 
Life insurance benefits (claims) paid6:
$12,082,468
 
Disability income insurance benefits paid7:
$2,616,441
 
Client policy and account values8:
$842,244,865
 
Dividends to whole life policyholders9:
$13,818,041

 

Wealth Concepts, LLC

4600 S. Ulster Street

Metropoint I, Suite 1200

Denver, CO 80237

303.692.8183

 
 

 

 

 

 

1 Ratings for MassMutual, C.M. Life Insurance company and MML Bay State Life Insurance Company are as of 4/1/10 and are subject to change: A.M. Best:(A++); Fitch:(AA+); Moody's:(Aa2); Stamdard & Poor's:(AA+)

2 Dividends are not guaranteed

3 Data includes production from Wealth Concepts, LLC and its detached offices

4 An Insured, owner, or payer of a MassMutual policy or contract

5 Amount of individual life insurance in force as of 12/31/09 related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries C.M Life Insurance Company and MML Bay State Life Insurance Company

6Amount of individual life insurance claims paid from 1/1/09 to 12/31/09 related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries C.M Life Insurance Company and MML Bay State Life Insurance Company

7 Amount of disability income insurance claims paid from 1/1/09 to 12/31/09 related to products issued by Massachusetts Mutual Life Insurance Company

8 Includes values of MassMutual and subsidiary insurance companies’ insurance and retirement products and investment products offered through MML Investors Services, Inc., a MassMutual subsidiary.

9 The amount of dividends to whole life policyholders in 2009

 MassMutual Financial Group is a Marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives.