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.

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.

Telemus Capital, LLC is a financial advisory firm based in Southfield, Michigan. It currently has approximately $2,391,503,994 of assets under management and employs about 52 people. Telemus Capital, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

CoreCap Advisors, LLC is a financial advisor firm established in 2011 and owned by Core Capital Holdings, LLC. The firm specializes in providing discretionary investment and portfolio management services to individuals, high net worth individuals, accredited investors, self-directed retirement plans, pension and profit-sharing plans, trusts, estates, and corporations. CoreCap Advisors emphasizes individualized attention to clients' assets and investment needs. The firm offers asset fee-based services through various advisory platforms such as RBC Correspondent Services, Charles Schwab, Axos Advisor Services, and Fidelity Investments. Clients typically sign an Investment Advisory Agreement granting CoreCap Advisors discretionary investment authority over their accounts. The firm may utilize third-party investment advisors (Sub-Advisors) to manage some or all of a client's assets on a discretionary basis. CoreCap Advisors conducts annual reviews of Sub-Advisors to ensure alignment with client goals and objectives. The firm charges an advisory fee based on a percentage of assets under management, typically ranging from 0.5% to 3.00%. Additionally, CoreCap Advisors offers financial planning services payable as a flat fee or hourly rate, covering various areas such as personal, tax, investments, insurance, retirement, death & disability, and estate planning. The firm does not charge performance-based fees and does not vote proxies on behalf of clients. Clients have the option to participate in a wrap fee program, which includes advisory services and brokerage services provided by custodians such as Schwab, Axos, and Fidelity. The wrap fee covers advisory services and certain brokerage services, but not all fees and costs. Clients are encouraged to review account statements received from their custodian and compare them with reports provided by CoreCap Advisors. The firm does not have custody of client funds or securities and does not impose a minimum account size for participation in a wrap account. Clients have the option to provide CoreCap Advisors with investment discretion, allowing the firm to make purchase and sale decisions for their accounts. The firm has a Code of Ethics in place to govern personal securities trading activities and does not participate in client transactions. CoreCap Advisors selects brokers based on their ability to provide best execution and does not engage in soft dollar arrangements. The firm does not have any disciplinary information to disclose and has no financial conditions impairing its ability to meet contractual commitments to clients.

DeRoy & Devereaux Private Investment Counsel, Inc. (DBA DeRoy & Devereaux) is an employee-owned S-Corporation specializing in providing investment advisory services for individuals, families, foundations, pension plans, and institutional investors. Established in 1979, the firm actively manages diversified portfolios of equities and debt securities for long-term capital appreciation and income growth. They manage assets totaling over $2.2 billion on a discretionary basis, with an additional $569 million in non-discretionary assets. The firm offers individually managed separate accounts, wrap fee advisory programs, dual contract managed account programs, and model portfolio account programs. DeRoy & Devereaux charges fees based on a tiered structure, with rates varying depending on the type of account and asset size. The firm does not offer performance-based fees and does not have side-by-side arrangements. They act as a fiduciary, providing investment discretion and voting client securities based on established proxy voting guidelines. The firm does not maintain custody of client assets and does not receive economic benefits from anyone other than clients for providing advisory services. DeRoy & Devereaux has robust policies and procedures in place to ensure compliance with regulatory requirements and to act in the best interest of their clients.

Center for Financial Planning, Inc. is an SEC-registered investment adviser based in Southfield, Michigan, specializing in financial planning and investment management services since 1985. The firm's assets under management as of February 28, 2025, totaled approximately $1.71 billion, with services including goal planning, retirement and college planning, investment analysis, estate planning, and more. Clients are charged fees based on a fee schedule, with an initial financial planning fee ranging from $2,000 to $4,000 and an annual fee of $1,500 to $3,000. The firm engages in strategic asset allocation and utilizes various investment vehicles, including stocks, bonds, mutual funds, and ETFs, to build diversified portfolios. Clients have the option to impose restrictions on investments, and the firm offers Raymond James Consulting Services-managed wrap programs. The firm acts as a fiduciary, ensuring that client interests are prioritized. The firm does not have performance-based fees, and client accounts are reviewed at least annually. The firm does not vote proxies on behalf of clients and does not have financial conditions impairing its ability to meet commitments. The firm's employees adhere to a Code of Ethics and do not accept referral fees. The firm does not have custody of client funds but recommends Raymond James & Associates as a custodian. The firm may receive compensation from product sponsors and does not vote on client securities. The firm offers discretionary and non-discretionary account management services, with limited power of attorney for trading in discretionary accounts. The firm does not vote on client securities or handle financial conditions that may impair its commitments.

Peninsula Capital Partners, L.L.C. is an SEC-registered investment adviser established in 1995, specializing in providing investment management services to committed, closed-end mezzanine capital investment partnerships. The firm's expertise lies in private equity and private debt investing, with a focus on subordinated debt and structured equity investments in lower-middle and middle-market operating companies in the U.S. and Canada. Peninsula manages four mezzanine capital investment partnerships, each structured as limited life investment partnerships. The firm's investment strategy aims for current income production and long-term capital appreciation through investments in profitable, well-managed middle-market companies. Peninsula charges management fees based on the Partnership's aggregate committed capital during the deployment phase and net outstanding invested capital thereafter. The firm may also receive performance fees based on realized profits, subject to Limited Partners achieving a minimum preferred return. Peninsula's investment process involves thorough due diligence, financial and operational analyses, and ongoing monitoring of Portfolio Companies. The firm's Code of Ethics ensures ethical conduct, and its investment professionals have personal investments in the Partnerships alongside Limited Partners. Peninsula has custody of client assets and exercises investment discretion on behalf of the Partnerships. The firm votes proxies in the best interest of the Partnerships and does not earn fees exceeding $1,200 more than six months in advance of services rendered.

SkyOak Wealth, LLC is a licensed investment advisor offering wealth management, investment management, financial planning, retirement plan advisory, and family office services. Established in Michigan, the firm is owned by Brandt Holdings Corp, Agility Partners, Inc., Simmons Holdings Corp, Gill Advisory Services, LLC, and the Kenneth G. Brandt Revocable Living Trust. SkyOak provides customized investment management services based on clients' financial circumstances, goals, and risk profiles. The firm acts as a fiduciary, putting clients' needs first. Clients have investment discretion with the ability to impose restrictions on securities. The firm also offers comprehensive financial planning and consultation services for a fee. SkyOak's fee structure includes investment management fees based on assets under management, financial planning fees, and fees for personal wealth manager and family office services. The firm does not accept performance-based fees and has no disciplinary history. SkyOak utilizes fundamental, trend, and technical analysis for investment strategies, offering a range of investment options including alternative investments. Clients receive regular account reviews and statements from the custodian. The firm does not vote proxies on behalf of clients and has no financial conditions impairing its ability to meet commitments.