Our Approach
At Financial Concepts, we believe financial planning isn't about numbers — it's about people. We work with families and professionals across the Midwest who have spent their careers doing things the right way and want to make sure their money keeps working just as hard as they did. We quarterback your entire financial picture — taxes, retirement, investments, insurance, and estate planning — into one clear strategy. No runaround. No fine print. Just a plan that makes sense and a team that sticks around to make sure it keeps working.
Our Owner
Meet Ryan O'Neil, CFP®
Ryan is a financial advisor based in Spencerville, Ohio who believes the best advice starts with listening. He works with clients across the Midwest who are navigating the transition from career to retirement and want someone who'll give it to them straight.
Ryan brings a practical, educational approach to financial planning — rooted in collaboration, transparency, and doing what's best for the client every time.
Outside the office, Ryan lives in Spencerville, Ohio with his German Shepherd and enjoys:
Camping
Hiking
Whitewater rafting
Cooking
Reading
Client Relations Coordinator
Lani Stein
Lani Stein holds an Associate Degree from Wright State University Lake Campus. She has been a valued member of our firm since the early 2000s, bringing decades of experience and a deep understanding of financial matters.
Lani is often the first point of contact for our clients—you’ll likely hear her friendly voice when you call our office. She is dedicated to providing helpful, reliable support and ensuring every interaction is a positive one.
Outside of the office, Lani enjoys cooking and spending time with family and friends. She currently resides in Celina.
Integrated Planning
We connect taxes, retirement, investments, insurance, and estate planning into one comprehensive strategy.
Education First
Complex doesn't mean complicated. We break down financial choices so you truly understand every decision.
Long-Term Partnership
We're not interested in transactions. We're committed to being your financial guide through every life change.
Personalized Approach
Your financial plan is as unique as your goals. We listen first, then craft a strategy that fits your life.
