Retirement Income Solutions, Inc. (RIS) is a fee-only Registered Investment Adviser established in 1992 and registered with the SEC since 2010. RIS specializes in providing investment advisory services using Active Management, including the Seasonal Strategy. The firm's investment philosophy involves conducting a formal review periodically and reallocating assets as necessary. RIS exercises discretionary trading authority to direct purchases, sales, and other transactions in client accounts. The firm offers Asset Management and Review services customized to meet clients' needs and objectives, with a six-step process that includes determining risk profiles, setting investment policies, making asset allocation recommendations, and reviewing performance regularly. RIS charges fees based on a tiered structure for both Asset Management and Asset Monitoring and Review services, with a minimum account size of $750,000. Fees are billed quarterly in arrears and are negotiable based on account size and complexity. RIS does not charge performance-based fees or engage in side-by-side management. The firm provides services to various types of clients, including individuals, trusts, estates, pension plans, corporations, and non-profit organizations. RIS follows a Code of Ethics and does not engage in commission-based securities transactions. Clients' assets are maintained with a qualified custodian, and RIS has investment discretion to manage client accounts within specified guidelines. Proxy voting is handled directly by clients, and RIS does not provide advice on voting proxies unless requested. The firm does not require pre-payment of fees exceeding $1,200 per client in advance.

Columbia Asset Management, L.L.C. is a registered investment advisor specializing in providing investment advisory services to individuals, trusts, estates, corporations, and charitable organizations. Founded in 1997 by Brian H. Weisman, the firm upholds a fiduciary duty to its clients, ensuring loyalty, fairness, and good faith in managing their investments. The firm offers customized wealth management solutions, including discretionary investment management and financial planning services. Clients can expect a long-term investment approach focused on achieving their financial goals, with investment decisions made based on individual objectives and risk tolerances. Columbia Asset Management primarily uses fundamental analysis and Modern Portfolio Theory in developing investment strategies. The firm does not charge performance-based fees and does not manage proprietary investment funds. The minimum initial investment or account size is not specified in the brochure. Fees for wealth management services are based on the market value of assets under management and are billed quarterly. The firm does not charge a minimum fee. Columbia Asset Management does not accept or maintain custody of client funds, except for limited authority as outlined in the Custody section. The firm's Chief Compliance Officer, Jessica Hoard, ensures the security and confidentiality of clients' personal information. Clients have the right to limit the sharing of their information for marketing purposes. The firm does not disclose personal information for marketing purposes and only shares information with third parties for servicing client accounts. Clients can contact the firm to obtain a copy of the Privacy Policy or address any questions or concerns.

Exchange Capital Management, Inc. is an independent investment advisory firm based in Ann Arbor, Michigan, established in 1989. The firm offers investment advisory and supervisory services for private clients, financial institutions, corporate clients, and foundations. Their investment philosophy emphasizes fundamental security and credit analysis, constructing diversified investment portfolios using individual stock and bond positions. Exchange Capital Management may also invest client assets in mutual funds or ETFs when necessary. The firm requires a minimum account size of $500,000, with management fees based on a tiered market value of assets under management. Exchange Capital Management exercises investment discretion for clients who grant a limited power of attorney, making decisions on the nature and type of securities to be bought and sold. The firm does not charge performance-based fees and acts as a fiduciary, prioritizing clients' best interests. Clients receive quarterly reports detailing account activity and performance analysis. Exchange Capital Management does not take discretion with respect to voting proxies on behalf of clients. The firm has engaged a third-party service provider for monitoring and filing securities claims class action litigation paperwork. Exchange Capital Management participated in the Paycheck Protection Plan loan program in response to the COVID-19 pandemic to ensure business continuity.

Speyside Fund Advisers LLC, based in Southfield, Michigan, provides investment advisory services to a privately pooled investment vehicle and special purpose co-investment vehicles. The firm's regulatory assets under management were approximately US$77,625,000 as of December 31, 2023, managed on a discretionary basis. Speyside charges a Management Fee of 2.5% of capital commitments during an investment period, later transitioning to 2.5% of invested capital outstanding. Carried Interest is typically 20% of total distributions after a preferred return to investors. The minimum initial investment in the Fund is generally $5,000,000. Speyside's investment strategy focuses on control-oriented investments in lower middle-market companies, with an emphasis on restructuring and operational improvements. The firm discloses potential risks associated with illiquid investments, market volatility, and regulatory changes. Speyside operates under a Code of Ethics to ensure client interests are prioritized. The firm does not have any disciplinary history and does not engage in soft dollar arrangements. Clients receive regular account reviews and audited financial statements within 120 days of the fiscal year end. Speyside does not provide custodial services but uses qualified custodians for client assets. The firm has investment discretion and may vote proxies on behalf of clients when necessary. Overall, Speyside Fund Advisers LLC emphasizes transparency, risk management, and client-focused investment strategies.

Arbor Trust Wealth Advisors, LLC is a financial advisory firm based in Ann Arbor, Michigan. It currently has approximately $445,204,317 of assets under management and employs about 10 people. Arbor Trust Wealth Advisors, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Greenup Street Wealth Management LLC, also known as Greenup Wealth, is a Limited Liability Company established in Michigan in September 2020. The firm's portfolio management services are tailored to individual client goals, risk tolerance, and time horizon. GSWML requests discretionary authority from clients to make investment decisions in line with fiduciary duties. The firm offers ongoing financial planning services, including initial consultations, detailed financial analysis, and client recommendation meetings. GSWML may direct clients to third-party investment advisers and provides services limited to specific types of investments such as mutual funds, fixed income securities, real estate funds, equities, and more. GSWML charges asset-based portfolio management fees ranging from 0.45% to 1.25%, depending on the total assets under management. Financial planning fees are $250 per month or a flat fee of $3,000 annually, with negotiable terms. The firm does not participate in wrap fee programs. GSWML does not accept compensation for the sale of securities and discloses potential conflicts of interest. The firm's investment strategies include long-term trading, short sales, margin transactions, and options trading. Clients have the option to direct brokerage and custodian selection. GSWML provides quarterly account reviews and reports, and clients receive all account statements directly from the custodian. The firm does not accept voting authority for client securities and has professional liability insurance coverage for its services.

Renaissance Venture Capital Management, Inc. (RVCM) is a Delaware corporation established on October 22, 2018, providing advisory services to Renaissance Venture Capital Funds I-V. RVCM acts as the investment adviser to the Funds, focusing on private venture capital funds, direct equity investments, and public securities. The firm manages $308,848,758 on a discretionary basis as of September 30, 2024. RVCM's services include investment evaluation, structuring, monitoring, and exiting investments based on each Fund's objectives and restrictions outlined in the Governing Documents. The Funds generally reimburse RVCM for management expenses limited to 0.9%-1.2% of capital commitments during the active investment period. RVCM's fee structure varies based on Fund size and life. The firm does not receive transaction-based compensation and discloses potential conflicts of interest related to performance-based fees and side-by-side management. RVCM's Code of Ethics ensures fair treatment of clients, compliance with laws, and restrictions on personal trading. The firm reviews Fund accounts regularly, exercises investment discretion, and votes client securities in their best interests. RVCM does not have custody of client assets but follows audit procedures for Funds. The firm has no financial conditions impairing its service provision and has not filed for bankruptcy.

Darden Wealth Group, Inc. is a registered investment advisor based in Michigan, offering a client-centered advisory experience to a diverse clientele, including private clients, foundations, educational institutions, businesses, and not-for-profit organizations. The firm emphasizes the importance of a comprehensive financial plan tailored to each client's unique financial profile, encompassing factors such as time horizon, goals, and risk tolerance. Darden Wealth Group provides services such as Private Wealth Management, Financial Planning, Retirement Plan Management, and Pension Consulting, with options for ongoing, quarterly, or hourly engagements. For ongoing Wealth Management clients, the firm offers discretionary authority over accounts, acting as fiduciaries committed to clients' best interests. Fees are structured based on assets under management, with tiered fee schedules and customized investment strategies. Clients can set restrictions on investment types to align with their goals. The firm does not charge performance-based fees and requires a minimum of $500,000 in investable assets from clients. Darden Wealth Group employs a fundamental approach to investing, focusing on stocks, bonds, mutual funds, and other asset classes, with a goal of sustainable growth over the long term. The firm's fee structure includes annual wealth management fees based on household assets, flat fees, and hourly rates for financial planning services. Darden Wealth Group does not engage in performance-based fees or charge hourly fees in addition to asset-based fees. The firm's investment discretion allows for managing securities on clients' behalf, with clients retaining the ability to set limits based on individual preferences for investments or risk. Clients receive regular portfolio reviews and have the option to choose their custodian, with recommendations provided upon request. Darden Wealth Group prioritizes client communication and transparency, emphasizing a client-centric approach to financial planning and investment management.

Sage Hill Capital LLC, established in 2010, specializes in providing customized investment management services with a focus on high customer service levels. The firm offers discretionary investment management and supervisory services based on a percentage of assets under management. Investment strategies include stock, bond, and mutual fund allocations tailored to client needs, with a preference for clients with or expected to have $1 million in investable assets. The firm acts as a fiduciary, prioritizing client interests in retirement account rollover recommendations. Additionally, Sage Hill provides financial planning and consulting services, addressing various financial planning areas. The firm does not charge performance-based fees and mainly serves individuals and high net worth clients. Investment strategies involve a mix of individual stocks, mutual funds, ETFs, and bonds, with a focus on client-specific needs and preferences. Sage Hill Capital does not invest in wrap-fee programs and had $165,302,178.82 in discretionary assets under management as of 12/31/2024. The firm's fee structure is negotiable but does not exceed 1.1% annually, billed quarterly. Sage Hill Capital does not compensate for client referrals and does not vote proxies on behalf of clients. Clients retain responsibility for voting proxies and handling class action suits. The firm does not have custody of client funds and maintains accounts at a qualified custodian. Sage Hill Capital does not have any disciplinary information and has not experienced material changes since its last filing.