Yousif Capital Management, LLC (YCM) is a Michigan-based investment advisory firm founded in January 2021 by Kevin K. Yousif, CFA. YCM specializes in rule-based and model-driven investment strategies, focusing on equities, fixed income securities, and ETF products tailored to meet clients' investment objectives and risk tolerance. The firm offers discretionary advisory services to various clients, including corporations, municipalities, faith-based organizations, and individuals through separately managed accounts. YCM also acts as a sub-advisor to other investment advisors, providing investment management services through sub-advisory agreements. YCM charges an annual management fee ranging from 0.08% to 0.35%, with a minimum annual fee of $10,000, which is negotiable based on specific investment mandates and account complexities. The firm manages regulatory assets under management of $13,980,856,258 as of December 31, 2024, on a discretionary basis. YCM does not charge performance-based fees and acts as a fiduciary, placing clients' interests first. The firm does not have any disciplinary events to disclose and maintains a Code of Ethics to ensure compliance with regulatory requirements and ethical standards. YCM provides detailed information on its investment strategies, risk factors, brokerage practices, custody of client funds, proxy voting procedures, and financial stability. Clients receive regular account reviews and statements from custodians, ensuring transparency and accountability in the firm's operations. YCM's financial information indicates a sound financial condition without any impairments affecting its ability to fulfill client commitments.

Ottawa Avenue Private Capital, LLC, based in Grand Rapids, Michigan, was founded in 2015 to manage investments in private equity funds, co-investments, and various asset classes. As a subsidiary of Wakestream Holdings, Inc., it primarily serves the Richard and Helen DeVos family, managing investments since 1991. The firm offers private funds for select third-party investors and sponsors Funds for co-investment opportunities. Clients include high net worth families, foundations, and insurance companies. The firm's investment strategies involve private equity, credit, and secondary funds, with a focus on co-investments. The Company has approximately $20.4 billion in regulatory assets under management, with a discretionary basis of $14.8 billion. Fees are based on assets under management and realized gains, with performance-based fees for RDV Clients. The Company may engage third-party placement agents for investor introductions, with placement fees borne by the Company. The firm follows a code of ethics, ensuring fair treatment of all clients and managing conflicts of interest. The Company provides custody through independent qualified custodians and exercises discretion over client investments. The firm has policies for voting client securities and maintains financial stability. No material disciplinary events have been reported.

Plante Moran Financial Advisors, LLC is an investment advisor registered with the SEC, providing investment advisory, financial planning, and estate planning services to individuals, institutions, and not-for-profit entities. The firm has been registered with the SEC since May 1993 and is a wholly owned affiliate of P&M Holding Group, LLP. As of December 31, 2024, PMFA had total assets under management of $21,786,469,785, with both discretionary and non-discretionary portfolio advisory services available. PMFA offers a fee structure based on a percentage of assets under management, with annual fees ranging from 1.00% to 0.30%, subject to a minimum annual fee of $5,000. The firm may recommend specific mutual funds, ETFs, separate account managers, and alternative investments. PMFA's investment analysis methods include fundamental and technical analysis, with a focus on equity and fixed income allocations. The firm is a member of the Independent Advisor Group and has affiliations with P&M Holding Group, LLP, P&M Corporate Finance, LLC, Plante Moran Insurance Agency Services, LLC, and Plante Moran Trust, N.A. Clients have the option to limit sharing of personal information for marketing purposes and may opt-out of marketing offers from affiliates. For more information or to opt-out, clients can contact the Compliance Department at 248.223.3611 or 312.928.5349.

Clarkston Capital Partners, LLC is a financial advisory firm based in Rochester, Michigan. It currently has approximately $6,498,273,358 of assets under management and employs about 37 people. Clarkston Capital Partners, LLC uses a fee structure of a percentage of assets under your management and fixed fees.

Hantz Financial Services, Inc. is a financial advisory firm based in Southfield, Michigan. It currently has approximately $4,901,997,615 of assets under management and employs about 355 people. Hantz Financial Services, Inc. uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Advance Capital Management, established in 1986, offers investment advisory services to a diverse client base, including individuals, investment advisers, retirement plans, trusts, and corporations. The firm manages over $4.5 billion in assets, with a focus on financial planning tailored to individual needs and objectives. Investment recommendations typically involve mutual funds and ETFs, with the option for advice on a broader range of securities. Institutional investment consulting services are provided on a discretionary or non-discretionary basis, along with platform advisory services for other investment advisers. The firm also offers comprehensive consulting and advisory services for retirement plans, including fiduciary investment management. Advance Capital Management charges fees based on assets under management, with annual rates ranging from 0.65% to 1.0% for individuals and 0.25% to 0.40% for institutional clients. The firm does not charge performance-based fees and acts as a fiduciary to clients, ensuring their best interests are prioritized. Clients have the option for investment discretion, allowing the firm to make purchase and sale decisions on their behalf. The firm's investment strategies primarily involve mutual funds, ETFs, and alternative investments to enhance diversification, with a focus on risk management and long-term growth. Advance Capital Management maintains a Code of Ethics, ensuring compliance with SEC regulations and client protection. The firm utilizes Charles Schwab for custodial services and does not maintain custody of client funds. Additionally, Advance Capital Management has a Business Continuity Plan in place to address potential business disruptions and a Customer Identification Program to verify client identities and comply with regulatory requirements.

Mainstay Capital Management, LLC is a financial advisory firm based in Grand Blanc, Michigan. It currently has approximately $3,379,375,602 of assets under management and employs about 30 people. Mainstay Capital Management, LLC uses a fee structure of a percentage of assets under your management and fixed fees.

Schwartz Investment Counsel, Inc. is a financial advisor firm based in Plymouth, MI, established in 1980. The firm specializes in providing portfolio management services and investment advisory services for various clients, including individuals, institutions, pension plans, and foundations. They offer services for mutual funds, individually managed accounts, model portfolios, and separately managed accounts. The firm manages equity and fixed income portfolios, recommending various types of securities. Schwartz Investment Counsel is a fiduciary for ERISA-governed plans and IRAs, managing assets totaling $2.9 billion as of December 31, 2022. The firm's fee structure varies based on the type of account, with management fees typically calculated as a percentage of assets managed. They do not accept performance-based fees and have a minimum account opening requirement of $5,000,000 for individually managed accounts. The firm's investment strategy involves fundamental security analysis and moral screens aligned with Roman Catholic values. Clients receive quarterly performance reports and annual in-person meetings. Schwartz Investment Counsel does not participate in wrap fee programs and does not receive commissions for securities transactions. The firm's brokerage practices prioritize best execution and may involve soft dollar benefits. Clients are provided with quarterly asset statements and economic outlook reports. The firm has proxy voting authority for some clients and has adopted proxy voting policies and procedures. Schwartz Investment Counsel does not have custody of client funds or securities, and clients' assets are held with a qualified custodian.

Azimuth Capital Management is a financial advisory firm based in Bloomfield Hills, Michigan. It currently has approximately $2,853,254,809 of assets under management and employs about 22 people. Azimuth Capital Management uses a fee structure of a percentage of assets under your management, fixed fees and revenue sharing with our affiliates ftcs and frs.