Biltmore Wealth Management, LLC was established in August 2009 and registered as an Investment Adviser in January 2010. The firm is owned by Kevin J. Sweeney and Timothy A. Carpenter. Biltmore offers investment advisory services and financial planning to individuals, business entities, trusts, estates, and charitable organizations. Their investment advisory service includes customized portfolio management using proprietary investment models tailored to each client's needs. The firm manages $396,736,147 on a discretionary basis as of December 31, 2024. Clients can engage Biltmore on a fee-only basis, with fees based on a percentage of assets under management. Biltmore does not participate in wrap fee programs and does not accept performance-based fees. The firm primarily uses long-term and short-term investment strategies, including short sales and margin loans, with a focus on fundamental analysis. Biltmore acts as a fiduciary under the DOL Fiduciary Rule, providing advice in clients' best interests. The firm does not accept directed brokerage arrangements and manages accounts on a discretionary basis. Clients receive regular account statements and reports, and Biltmore does not have custody of client funds except for specific instances outlined in the brochure. Biltmore does not have any disciplinary actions, bankruptcy proceedings, or financial conditions that impair its ability to meet obligations.

Intrinsic Wealth Counsel, Inc., established in 1984, offers personal financial planning and investment advisory services. The firm's partners are Cornelius Van Zutphen Jr., Cornelius Van Zutphen III, and Daniela Jones. Intrinsic Wealth aspires to co-create financial life plans based on intrinsic motivations and values, emphasizing a fiduciary standard of care. The firm provides comprehensive, integrated Financial Planning and Portfolio Management services tailored to each client's unique needs and goals. The financial planning process involves exploring needs, life goals discovery, cash flow management, retirement planning, risk management, estate planning, and more. The firm's investment philosophy includes being value investors, diversifying portfolios, and customizing strategies to align with clients' goals. In terms of fees, Intrinsic Wealth offers stand-alone Portfolio Management for clients with $500,000 or more, with a minimum quarterly fee of $1,250. For comprehensive Financial Planning and Portfolio Management, the minimum quarterly fee is $2,500. The firm utilizes a tiered fee schedule based on Assets Under Management (AUM), with fees ranging from 1.00% to 0.50% based on AUM breakpoints. Intrinsic Wealth does not charge performance-based fees and operates under a fiduciary duty to act in clients' best interests. The firm does not accept referral fees, participates in block trading, and uses Charles Schwab as the qualified custodian. Clients' assets are held in custody by the custodian, and the firm has investment discretion to manage clients' securities accounts. Intrinsic Wealth maintains a privacy policy to protect clients' confidential information.

Graystone Partners Wealth Management, LLC is a Registered Investment Adviser based in Tempe, AZ, established in 2019. The firm specializes in providing a wide array of investment advisory services to individuals and various clients. As a fiduciary, Graystone is committed to acting in the best interest of clients. They offer Wealth Management, Financial Consulting, and Retirement Plan Advisory Services. The firm manages accounts on a discretionary basis, utilizing mutual funds, exchange-traded funds, and stocks. Clients can participate in programs like the Manager Access Select Program, Model Wealth Portfolios Program, and Optimum Market Portfolios Program, each with varying minimum account sizes. For Wealth Management, advisory fees are typically up to 2.00% of assets under management. Financial Consulting fees range up to $10,000 based on the complexity of services provided. Retirement Plan Advisory Services fees are also based on a percentage of managed plan assets, not exceeding 2.00%. Graystone does not charge performance-based fees. The firm primarily recommends LPL Financial as the custodian for client assets. Clients should be aware of potential conflicts of interest related to the receipt of economic benefits from LPL. The firm's Managing Partners, Janette Schwendeman and Jerry Gray, are experienced professionals with CFP® designations. They are also registered representatives of LPL and licensed insurance agents/brokers. Tracy Bierworth serves as the Chief Compliance Officer overseeing compliance matters. Graystone does not have any disciplinary history to report.

Seros Financial, LLC is a Limited Liability Company established in Arizona in August 2011, with Jeremy Windell Smith as the principal owner. The firm offers Portfolio Management Services through various programs with custodians like Charles Schwab and Axos Advisor Services. They also provide Financial Planning and Consulting Services tailored to individual or business needs. Seros does not have a minimum account size requirement. The Management Fee for portfolio management services is based on factors like complexity and assets under management, with a sample fee schedule provided. Clients may pay Financial Planning Fees based on the complexity of services. Seros may direct clients to Third-Party Money Managers, with fees shared between the advisors. The firm acts as a fiduciary for retirement plans and offers services based on ERISA or non-ERISA fiduciary standards. Seros discloses potential conflicts of interest and maintains a Code of Ethics. Clients have discretion over their accounts, and Seros does not perform proxy voting services. The firm has not faced criminal or civil actions, administrative proceedings, or bankruptcy petitions in the last ten years. For more information, visit www.SerosFinancial.com.

Johnson Financial Advisors, operating as Philip O. Johnson & Company, Ltd., has been providing investment advisory services since 1981 and is registered with the U.S. Securities and Exchange Commission. The firm specializes in comprehensive financial planning for pre-retirees and retirees, offering services such as cash flow analysis, tax projections, and retirement planning. They manage approximately $169.7 million in client assets, with a focus on discretionary asset management and wrap-fee programs through Securities America Inc. Clients are charged a negotiable flat fee for financial planning services, ranging from $800 to $7,000, and a maximum annual management fee of 2.25% for wrap-fee programs. The firm may receive additional compensation from third-party money managers and does not charge performance-based fees. JFA's investment strategies include cyclical, fundamental, and technical analysis, with a long-term investment approach and a focus on diversification to manage risks. Clients have the option to grant JFA discretionary authority over their accounts, with the ability to impose restrictions if desired. JFA does not vote on client securities proxies and has no disciplinary events to disclose.

Harding Wealth, Inc. is a financial advisory firm based in Tempe, Arizona, established in January 2016 by principal owner Adam Clark Harding. The firm offers portfolio management services tailored to individual client goals, risk tolerance, and time horizons. Clients receive Investment Policy Statements outlining their current financial situation and investment plans. Harding Wealth seeks discretionary authority from clients to make investment decisions in line with fiduciary duties. The firm specializes in diversified fee-conscious portfolios, including mutual funds, fixed income securities, real estate funds, and more. There is no minimum account size requirement for clients. Fees are asset-based, ranging from 1.00% to negotiable for assets over $10 million, with a $100 annual fee for accounts below $50,000. Clients may terminate agreements within five business days without penalty. Harding Wealth does not participate in wrap fee programs and has assets under management of $162,138,463. The firm provides financial planning services, including investment, tax, retirement, and debt planning. Clients have the option to impose restrictions on investments based on personal values or beliefs. Harding Wealth does not accept compensation for the sale of securities to clients and does not engage in performance-based fees. The firm's investment strategies include long-term trading, short-term trading, and options trading, with a focus on risk management and client-specific needs. Clients receive quarterly reports detailing account performance and fees. Harding Wealth does not take custody of client accounts and does not accept voting authority for client securities. The firm has no disciplinary actions, bankruptcy petitions, or financial conditions impairing its ability to meet client commitments in the last ten years.