Narwhal Capital Management is a financial advisory firm based in Marietta, Georgia. It currently has approximately $1,144,451,435 of assets under management and employs about 18 people. Narwhal Capital Management uses a fee structure of a percentage of assets under your management and hourly charges.

American Financial Advisors, LLC is a SEC-registered investment adviser based in Marietta, Georgia, established in 2000. The firm offers Investment Supervisory Services, Individual Portfolio Management, and Model Portfolio Management. They provide continuous advice based on clients' needs, manage portfolios on a discretionary basis, and offer financial planning services. The firm manages approximately $895 million in client assets as of December 31, 2024. Clients can expect a fee structure based on a percentage of assets under management, with a minimum fee of $300 per year for assets under $30,000. The firm does not charge performance-based fees and acts as a fiduciary. Clients have investment discretion and can impose restrictions on investing. American Financial Advisors, LLC does not vote on client securities and does not engage in solicitor arrangements. The firm does not vote on client securities and does not engage in solicitor arrangements. The firm's professionals have no reportable disciplinary history and are qualified with relevant designations. For more information, visit the SEC's website.

Marietta Wealth Management, LLC is a fee-only investment advisor established in October 2015 and registered with the SEC. The firm offers wealth management, financial planning, retirement plan consulting, and general consulting services to individuals, families, trusts, estates, pension and profit-sharing plans, and business entities. The firm's assets under management totaled approximately $974 million as of December 31, 2024, with $463 million in assets under advisement. For the Wealth Management Program, fees are tiered based on portfolio value, ranging from 0.50% to 1.00%, with a minimum annual fee requirement of $5,000. Financial Planning Service fees are negotiable and typically range from $0 to $10,000, with an hourly consulting fee not exceeding $350. Retirement Plan Service fees are based on included assets and range from 1.00% to 1.10%, with a minimum annual fee requirement of $5,000. The firm operates under a fiduciary duty, acting in the best interests of clients. Investment discretion is provided to clients, allowing the firm to determine securities and amounts to be bought or sold without specific consent. The firm does not charge performance-based fees and does not vote client securities proxies. The firm's investment strategies are based on client financial goals and objectives, utilizing various investments such as mutual funds, ETFs, REITs, and fixed-income instruments. The firm's professionals hold certifications such as CFP®, CFA, and CPA, ensuring a high level of expertise in financial planning and analysis. Clients can access detailed information about each professional's background, certifications, and potential conflicts of interest in the brochure supplements provided.

Baer Wealth Management is a registered investment adviser based in Marietta, GA, established in 2000 as Baer-Dressler, LLC and later renamed Baer Wealth Management, LLC. The firm specializes in providing discretionary asset management services, alternative investments, and ERISA plan services. Baer Wealth Management acts as a fiduciary, committed to acting in the best interests of clients. The minimum portfolio value is typically set at $500,000, with exceptions possible. The firm charges annual investment advisory fees based on a tiered structure depending on assets under management. For portfolio management, fees range from 0.20% to 1.00% annually, billed quarterly in advance. Alternative investments may incur fees up to 2% annually. ERISA plan services fees are based on the market value of included assets, not exceeding 1.25% annually. The firm does not engage in performance-based fees and does not receive external compensation for the sale of securities. Baer Wealth Management emphasizes fundamental, technical, and cyclical analysis in its investment strategies, with a focus on long-term growth. Clients are encouraged to discuss risks associated with investments, such as management, interest-rate, market, inflation, currency, and liquidity risks. The firm's employees adhere to a Code of Ethics and do not recommend securities in which they have a financial interest. Clients' accounts are reviewed quarterly, and assets are held at qualified custodians. Baer Wealth Management requires discretionary authority to manage client accounts and does not vote proxies on securities. The firm does not have any bankruptcy petitions or financial conditions that may impair its ability to meet client commitments.

Wiser Wealth Management, Inc., established in 2001, is a Marietta-based registered investment advisor specializing in comprehensive financial planning and asset management. The firm, owned by Casey Tyler Smith, offers services to individuals, high net worth individuals, small business owners, and various entities without a minimum account size requirement. Wiser Wealth manages client assets on a discretionary basis, providing personalized Investment Allocation Models based on risk tolerance and financial goals. The firm primarily uses ETFs to construct diversified portfolios, incorporating digital asset ETFs for moderate to aggressive portfolios. Wiser Wealth charges annual fees based on a percentage of Assets Under Management, with fees ranging from 0.60% to 1.50%. Additionally, the firm offers flat fee financial planning services starting at $5,750. Clients have the option to pay fees by check and can request updates to financial plans at an hourly rate of $475. Wiser Wealth does not charge performance-based fees and does not participate in wrap fee programs, except for qualified clients in the Flightpath program. The firm acts as a fiduciary, prioritizing clients' best interests and maintaining a Code of Ethics to guide its operations. Wiser Wealth recommends Charles Schwab & Co., Inc. as a custodian and broker, providing clients access to a range of investment products and services. The firm does not have any soft-dollar agreements and does not generally permit directed brokerage. Clients receive ongoing account reviews and statements, with the firm not voting on client securities. Wiser Wealth has no disciplinary history or financial impairments affecting client commitments.

Proactive Wealth Strategies, LLC is a financial advisory firm based in Marietta, Georgia. It currently has approximately $223,994,923 of assets under management and employs about 5 people. Proactive Wealth Strategies, LLC uses a fee structure of a percentage of assets under your management and fixed fees.

Nicholas Wealth Management is a Limited Liability Company established in Georgia in February 2016 by principal owner David Nicholas. The firm specializes in portfolio management services tailored to individual client goals, risk tolerance, and time horizons. Clients receive services such as investment strategy development, asset allocation, and regular portfolio monitoring. NWM may request discretionary authority from clients to execute transactions without prior approval. The firm employs proprietary strategies to optimize client returns and operates as a fiduciary, making investment decisions in clients' best interests. NWM offers services to individuals, high-net-worth individuals, and charitable organizations, with a minimum account size of $500,000, which may be waived at the firm's discretion. The fee structure for non-wrap fee portfolio management ranges from 1.50% to 1.00% based on total assets under management. Additionally, NWM may recommend proprietary ETFs, which could result in higher fees for clients. The firm participates in the Schwab institutional advisor program, receiving benefits such as research tools and consulting services. NWM provides ongoing account monitoring and quarterly reports to clients, with periodic reviews triggered by material changes in client circumstances or external factors. The firm does not accept voting authority for client securities and does not have financial conditions impairing its ability to meet client commitments. NWM has not been subject to bankruptcy petitions in the last ten years.

Incompass Financial Partners, LLC is a Registered Investment Adviser based in Marietta, Georgia, established in January 2022. The firm offers investment advisory services tailored to meet clients' needs and objectives, including asset allocation strategies among various investment products. Clients may impose restrictions on investing in certain securities. The firm provides financial planning consulting services, such as risk assessment, investment planning, and estate planning. Incompass Financial Partners offers discretionary and non-discretionary investment advisory services to individuals and high net worth individuals through managed account programs. The firm may recommend Turnkey Asset Management Programs, third-party money managers, or provide advisor-directed asset management. Fees for asset management services range up to 1.75% annually and are charged quarterly in advance. Clients may terminate services without penalty within five days of signing. The firm does not charge performance-based fees or participate in side-by-side management. Investment strategies include asset allocation, dollar-cost averaging, technical analysis, and long-term purchases. Clients are responsible for voting on proxies and may receive advice from the firm. Incompass Financial Partners does not vote proxies on behalf of clients. The firm does not have physical custody of client funds and securities but may have limited custody for fee deduction purposes. Clients receive account statements from the custodian quarterly. The firm may exercise investment discretion upon client authorization.

**Sentara Capital LLC Summary:** Established in January 2012, Sentara Capital LLC is a Georgia-based investment advisor firm owned by William Allen. The firm offers financial planning and portfolio management services, with a focus on determining clients' financial needs, goals, and risk tolerance. Clients are required to provide relevant financial documents for analysis. The firm employs six primary investment models and utilizes research from various sources to make tactical asset allocation decisions. As of December 31, 2024, Sentara Capital managed approximately $102.8 million in client assets on a discretionary basis. **Fees and Compensation:** - Hourly fee: $150 per hour for standalone engagements. - Fixed fee: Charged for session materials in educational workshops. - Asset-based fees: Annualized fees based on account value, ranging from 0.50% to 1.00%. - Negotiability of fees: Determined by the Chief Compliance Officer. - Payment of fees: Fees paid by check or bank draft, not cash. - Additional client fees: Transactional fees borne by the client, separate from advisory fees. **Investment Discretion:** - Sentara Capital LLC offers both discretionary and non-discretionary account management. - Discretionary authority allows the firm to implement investment decisions without prior client approval. - Non-discretionary accounts require client approval for each transaction. **Custody and Voting:** - Client assets are held by qualified custodians, not by Sentara Capital LLC. - The firm does not vote proxies on behalf of clients or provide guidance on voting. **Business Continuity:** - Sentara Capital LLC maintains a business continuity and succession contingency plan to address significant operational disruptions. For more detailed information, clients can refer to Sentara Capital LLC's Form ADV Part 2 brochure available on the SEC's website. Clients are encouraged to review the full brochure and ask questions before engaging with the firm.