Invesco Capital Management LLC is a financial advisory firm based in Downers Grove, Illinois. It currently has approximately $253,998,164,189 of assets under management and employs about 193 people. Invesco Capital Management LLC uses a fee structure of a percentage of assets under your management and unitary fees.

Invesco Investment Advisers LLC is a financial advisory firm based in Downers Grove, Illinois. It currently has approximately $5,640,124,888 of assets under management and employs about 25 people. Invesco Investment Advisers LLC uses a fee structure of and a percentage of assets under your management.

HighPoint Advisor Group, LLC (HPAG) is an investment advisor firm based in Downers Grove, IL, established in an unspecified year. The firm specializes in managing a wrap fee program, the HPAG Wrap Program, which allows clients to trade certain investment products without incurring separate brokerage commissions or transaction charges. Clients in the program grant HPAG discretionary authority to manage their portfolios, with all clients encouraged to discuss their needs and goals annually. The advisory fee, negotiable between the client and HPAG, is a percentage based on the value of all assets in the account, including cash holdings. Clients in the program pay a single annualized fee based on a percentage of the market value of assets managed by HPAG, prorated and charged quarterly. HPAG may negotiate a lesser fee based on certain criteria. The firm utilizes fundamental analysis to determine investment strategies tailored to individual client needs and risk tolerances. HPAG acts as a fiduciary, obligated to act in the best interests of clients, providing continuous investment advice and asset management services. HPAG requires a minimum account of $5,000 for investment advisory clients, with services available to individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and business entities. The firm discloses potential conflicts of interest, such as compensation received from LPL and other financial industry activities and affiliations. Clients can request a copy of HPAG’s Code of Ethics and are informed about the firm's disciplinary history.

Capstone Financial Advisors, Inc. is a registered investment adviser established in Downers Grove, Illinois, with a branch office in Brentwood, TN. The firm offers portfolio management services, including private fund investment options, for clients with varying risk tolerances and financial circumstances. They manage client advisory accounts on both a discretionary and nondiscretionary basis, tailoring portfolios to individual needs. Capstone Financial employs fundamental analysis and cyclical analysis in their investment strategies, focusing on long-term purchases and opportunistic purchases. The firm does not charge performance-based fees and serves a diverse client base, including high net worth individuals, pension plans, trusts, and corporations. Clients can expect transparent fee structures for portfolio management services, financial planning, and pension consulting. Capstone Financial does not vote proxies on behalf of clients and maintains a strict Code of Ethics to ensure client interests are prioritized. The firm does not have any disciplinary events to disclose and does not engage in principal transactions. Clients can expect regular reviews of their accounts and access to comprehensive financial planning services. Capstone Financial primarily custodies client assets at Schwab Institutional and does not vote proxies on behalf of clients. The firm does not require payment of fees in advance exceeding $1,200 per client.

Feldman, Ingardona & Co. is a registered investment advisor established in 1997, located in Downers Grove, Illinois. The firm specializes in providing investment advisory services for high-net-worth individuals and families, institutions, pension and profit-sharing plans, trusts, and business entities. They offer portfolio management services tailored to each client's needs and objectives, including strategic asset allocation, selection of investment managers and mutual funds, and performance monitoring. As of June 30, 2023, the firm manages $831,149,000 of assets on a discretionary basis and $1,807,870,000 on a non-discretionary basis. For fees, Feldman, Ingardona & Co. charges an annual fee based on a tiered structure: 0.80% for the first $2,000,000, 0.50% for the next $3,000,000, 0.40% for the next $20,000,000, and 0.30% for amounts over $25,000,000. These fees cover advisory services only and are payable quarterly in advance. Clients may authorize fee deductions from their accounts. The firm does not charge performance-based fees and typically requires a minimum account size of $5,000,000. The investment strategy involves long-term strategic asset allocation, tactical asset allocation adjustments, and the use of active and passive investment managers. Clients receive quarterly performance reports and portfolio reviews. Feldman, Ingardona & Co. operates under a Code of Ethics and acts as a fiduciary, prioritizing clients' interests. The firm does not receive soft dollars or engage in principal transactions for client accounts. Clients have the option to grant discretionary management of their portfolios, and the firm does not vote proxies for client securities.

**Summary:** **Background and Expertise:** Vertex Planning Partners, LLC is a registered investment adviser offering financial planning, consulting, and investment management services. The firm was established in December 2021 and is owned by Gregory Benner, Michael Bellis, Christopher Huston, and Steven Franzen. As of December 2024, the firm manages $827,936,305 in assets, with $826,001,464 managed on a discretionary basis. **Consumer-Facing Terms:** - **Minimum Initial Investment:** Not specified. - **Fee Structure:** Charges fixed or hourly fees for financial planning and consulting services ranging from $500 to $15,000. Investment management fees vary between 30 and 200 basis points (0.30% – 2.00%). - **Fiduciary:** Acts in the best interests of clients. - **Investment Discretion:** Has the authority to exercise discretion over client accounts. - **Investment Philosophy:** Emphasizes asset allocation, diversification, and behavioral finance principles. **Advisory Business Description:** Vertex Planning Partners offers financial planning, consulting, and investment management services tailored to individual client needs. The firm utilizes a mix of active and passive management strategies, mutual funds, ETFs, and independent managers to align portfolios with client objectives. Clients have the flexibility to engage the firm for additional services and retain decision-making authority over their investments. This summary provides an overview of Vertex Planning Partners' background, expertise, consumer-facing terms, investment discretion, and investment philosophy based on the information provided in the brochure.

Bentley Financial Group, Inc. is an investment advisor firm located in Downers Grove, IL, established in January 2025. The firm specializes in managing a wrap fee program, the BFG Wrap Program, under LPL Financial's Strategic Wealth Management platform. Clients in the program grant Bentley Financial Group discretionary authority to manage their accounts, with the firm providing investment management services and arranging brokerage transactions under a single annual advisory fee. The advisory fee is negotiable and based on a percentage of the assets under management, varying among advisors within the firm. Clients do not pay separate brokerage commissions or transaction charges in addition to the advisory fee. Bentley Financial Group acts as a fiduciary, obligated to act in the best interests of clients, providing services such as asset management, financial planning, and consulting. The firm uses fundamental analysis for investment decisions and offers various investment strategies tailored to individual client needs and risk tolerances. Clients have the ability to contact portfolio managers and receive regular account reviews. The firm does not accept performance-based fees and discloses any client referrals or compensation received. Bentley Financial Group maintains a Code of Ethics for employees and does not vote proxies on behalf of clients. Clients are encouraged to review the firm's ADV Part 2A for additional information.

Arbor Financial Services, LLC, based in Downers Grove, Illinois, has been providing investment advisory services since 2009. The firm offers the Arbor Financial Wrap Fee Program, providing clients with advisory, investment management, and brokerage services for one inclusive fee. Clients grant discretionary authority to manage their accounts, allowing the firm to make investment decisions without prior consent. Investment strategies include model portfolios tailored to individual risk tolerance. The firm charges an asset-based fee varying by portfolio type. Clients can invest in equities, fixed income, or mutual fund allocation portfolios. Arbor Financial uses methods like charting analysis, technical analysis, and fundamental analysis to guide investment decisions. The firm serves individuals, including high net worth individuals, trusts, and estates, without a minimum account size requirement. Arbor Financial does not accept performance-based fees or engage in side-by-side management. The firm emphasizes a fiduciary duty to act in clients' best interests and provides detailed disclosures on fees, compensation, and potential conflicts of interest. Clients have access to portfolio managers for discussions and account reviews. Arbor Financial does not vote proxies on behalf of clients and maintains strict ethical standards outlined in its Code of Ethics. The firm may compensate third-party referrals and provides considerations for IRA rollovers. Clients are encouraged to consult with tax professionals and consider various options before making investment decisions.