Valmark Advisers, Inc.

Valmark Advisers, Inc. is a Registered Investment Adviser founded in 1997, offering investment advisory wrap-fee programs primarily through individual investment advisory representatives. The firm specializes in providing a full menu of investment and advisory options, including proprietary programs like TOPS®, TOPS® Core, and ACCESS™ Plus. Valmark's investment committee assists in making strategic investment decisions for its programs. Clients can invest in ETFs, corporate debt securities, certificates of deposit, municipal securities, investment company securities, and US government securities through these programs. For the TOPS® program, clients can invest with a minimum of $100,000, while the TOPS® Core program requires a minimum of $10,000. The VWS Flex program has a minimum investment requirement of $100,000, and the ACCESS Plus program requires a minimum of $250,000. Valmark charges an annual set percentage fee based on the total assets held in the client's account, with fees not exceeding certain established percentages based on the account balance. The firm also offers tax loss harvesting and dollar-cost averaging strategies for clients. Valmark does not charge performance-based fees and does not exercise proxy voting on behalf of retail advisory clients. The firm has a Code of Ethics policy to ensure ethical behavior and compliance with securities laws. Valmark has no disciplinary events related to its advisory services and has not been subject to a bankruptcy proceeding. The firm's financial information shows no impairments to meeting contractual and fiduciary commitments.