StraightLine Group LLC is a registered investment adviser established in June 2002, offering investment management advisory services to individuals and small businesses. The firm acts as a fiduciary, providing services such as Discretionary Investment Management, Financial Planning, and Discretionary Cash Management. StraightLine manages assets on a discretionary and non-discretionary basis, with $1,106,624,742 in total assets under management as of December 31, 2024. The firm charges fees based on a tiered structure for Discretionary Investment Management and a flat fee for Portfolio Allocation Services. StraightLine's investment strategies include long-term and short-term trading, with a focus on maximizing returns while managing risks. The firm uses a variety of analysis methods, including Charting, Fundamental, and Technical analysis. StraightLine works with Charles Schwab & Company, Inc. as a custodian for client accounts and does not receive soft dollar benefits. The firm does not charge performance-based fees and offers both discretionary and non-discretionary account services. StraightLine does not vote proxies on behalf of clients and does not receive compensation for client referrals. The firm does not have any reportable disciplinary events and maintains a Code of Ethics for its officers, directors, and employees.

Jay A. Fishman, Ltd. is an independent investment advisor founded in April 1970, providing fee-based investment counseling services to high net worth individuals, families, corporations, and charitable institutions. The firm manages discretionary client assets totaling $1,119,753,340 as of December 31, 2024. Their investment philosophy focuses on wealth preservation and long-term growth of capital, emphasizing independent fundamental research to select individual securities tailored to each client's unique investment objectives. The firm's portfolio management team consists of Fiduciaries and SEC Registered Investment Advisors, who utilize fundamental research for investment selection. Jay A. Fishman, Ltd. does not invest in packaged products or model portfolios, generally avoiding mutual funds unless directed by clients. The firm charges investment management fees based on a tiered structure: 1.00% of the first $1,000,000, 0.75% for the next $1,000,000 - $5,000,000, and 0.50% for amounts exceeding $5 million. Clients are provided with regular portfolio reviews and reports, and the firm does not engage in performance-based fees or side by side management. Jay A. Fishman, Ltd. does not compensate for client referrals and does not take custody of client assets, which are held by broker-dealers and bank trust departments. Clients receive official account statements from custodians, and the firm encourages clients to reconcile these statements with reports provided by Jay A. Fishman, Ltd. The firm exercises investment discretion with client authorization and assists clients with proxy voting upon request.

ISTO Advisors, LLC is a financial advisory firm specializing in comprehensive wealth management, financial planning, and investment consultation. Established in 2016, the firm operates as a fiduciary, always acting in the best interest of clients. Services offered include asset management, financial planning, retirement plan consulting, and personalized financial strategies tailored to individual client goals. ISTO Advisors utilizes a service-oriented approach with open communication to create customized financial plans. The firm's investment strategies include equity securities, mutual funds, fixed income securities, options, and more. Clients have the option to grant investment discretion to the firm, allowing for tailored portfolio management. Minimum account balance for Comprehensive Wealth Management is $500,000, with a minimum annual fee of $7,500. Fees are charged based on a tiered percentage of assets under management. The firm does not charge performance-based fees and does not engage in directed brokerage. Clients receive quarterly account statements from the custodian and have the option to provide the firm with investment discretion. ISTO Advisors does not accept proxy authority to vote client securities. The firm does not have custody of client funds or securities.

Arbor Wealth Advisors, LLC, a registered investment adviser, was founded in October 2013 by Aaron R. Andreas. The firm offers investment management services, creating and managing portfolios based on client goals and objectives, typically on a discretionary basis. Arbor Wealth recommends diversified portfolios of no-load mutual funds, including Dimensional Fund Advisors (DFA) funds, and may use model portfolios. Clients may impose reasonable restrictions on Arbor Wealth's discretionary authority. The firm also provides fixed income portfolio management services, including discretionary authority for a third-party fixed income manager. Consulting services are offered on an hourly basis. Arbor Wealth acts as a fiduciary, putting clients' interests first and charging fees ranging from $8,000 to $50,000 annually for investment management services. The firm does not charge performance-based fees and serves individuals and high net worth individuals without a minimum account size requirement, except for fixed income portfolio management services, which require a minimum account size of $500,000. Arbor Wealth's investment strategies are based on Modern Portfolio Theory, emphasizing long-term diversified portfolios with a focus on asset allocation. Clients receive quarterly performance reports and account reviews. Arbor Wealth does not vote client securities proxies or participate in legal proceedings on behalf of clients. The firm has no disciplinary information and maintains financial stability.

Baron Wealth Management, LLC is a financial advisory firm based in Troy, Michigan. It currently has approximately $489,773,923 of assets under management and employs about 6 people. Baron Wealth Management, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

MKD Wealth Coaches, LLC, established in December 2006, is a registered investment adviser based in Troy, Michigan. The firm offers investment management services, financial planning, and consulting to various clients, including individuals, pension plans, trusts, and corporations. They charge fees based on asset value, hourly rates, or fixed fees, with a minimum account size of $1 million. Clients can choose between discretionary and non-discretionary investment management services. MKD may recommend annuity products, manage retirement accounts, and offer pension consulting services under ERISA guidelines. The firm also provides alternative investment recommendations and utilizes independent managers for certain client assets. MKD does not charge performance-based fees and has not had any disciplinary events. They have a code of ethics in place and do not maintain custody of client assets. The firm has a relationship with Fidelity for custodian and brokerage services. MKD does not have active solicitor arrangements and does not compensate third parties for client referrals. Clients receive regular account reviews and reports, and the firm does not vote on client securities proxies. MKD has no financial commitments that would impair their ability to meet client obligations. For more information, visit www.mkdwealth.com.

J2 Capital Management, Inc. is a financial advisory firm established in April 2009 by John Salomon, Jr. and John Benedict. The firm offers various services, including Investment Supervisory Services tailored to individual client goals, Variable Annuity management, 401k Management, Subadvisory Services, and Financial Planning. Clients have the option to impose restrictions on investments based on personal values. The firm does not participate in wrap fee programs and has approximately $178.7 million in discretionary assets under management. For retail clients, fees for Investment Supervisory Services range from 0.80% to 1.30% based on asset levels, with a separate fee structure for cryptocurrency management. Financial Planning services are charged at $250 per hour. Clients are responsible for third-party fees, and J2CM may utilize margin transactions and other strategies involving risks like short sales and options writing. The firm generally serves individuals, high-net-worth individuals, corporations, and advisors, with a retail account minimum of $200,000. J2CM employs various analysis methods, including charting, fundamental, technical, and cyclical analysis, to manage client investments. The firm does not accept performance-based fees and maintains a Code of Ethics to address conflicts of interest. J2CM recommends Charles Schwab & Co., Inc. Advisor Services for brokerage services. Clients receive regular reports and have the option to direct brokerage. J2CM has no disciplinary actions, bankruptcy petitions, or financial conditions impairing client commitments in the last ten years.

Miller Capital, established in July 1999, is a Registered Investment Advisor located in Troy, Michigan. The firm offers Investment Supervisory Services, Investment Advice, and Financial Advice. Clients can opt for discretionary services like Complete Investment Management or Asset Allocation Management, granting the firm authority to make investment decisions without prior approval. Non-discretionary services include Portfolio Analysis & Consulting and Limited Portfolio Analysis & Consulting, where clients receive advice and recommendations without granting investment decision authority. Wealth Management services are also available, offering comprehensive or targeted financial advice. Clients can tailor their investment preferences and restrictions in writing. Miller Capital manages $239,682,035 of client assets, with $201,818,437 under discretionary management. The fee structure includes percentage of assets, hourly charges, or fixed fees, payable monthly, quarterly, or semi-annually. The firm does not charge performance-based fees and serves various client types without a minimum account size requirement. Investment strategies rely on fundamental analysis, with a focus on client needs, goals, and preferences. Miller Capital does not accept soft dollar arrangements and has no disciplinary events in its history.

Retirement Funding Advisors, Inc. is a Michigan corporation established in February 1995 by Mr. Donald I. Gregg. The firm specializes in offering investment supervisory services on a nondiscretionary basis to various clients, including individuals, high net worth individuals, pension and profit sharing plans, corporations, endowments, foundations, and family partnerships. They provide investment consulting services on a project basis and offer investment management services to sponsors of qualified retirement plans. The firm's investment strategies focus on diversification to reduce the risk of substantial loss relative to individual risk tolerance. They typically recommend mutual funds and exchange traded funds, with a focus on low expense ratios and long-term performance. Clients have the option to choose from various fee structures, including flat fixed fees, hourly rates, or a percentage of assets under management. The firm manages $144,082,029 of client assets on a discretionary basis and $455,677,580 on a non-discretionary basis as of December 31, 2022. Retirement Funding Advisors, Inc. does not charge performance-based fees and acts as a fiduciary, offering services in the best interests of clients. Clients have the option to grant discretionary authority for investment decisions, with the firm exercising discretion in line with the client's stated investment objectives. The firm does not engage solicitors for client referrals and does not have any disciplinary actions or financial commitments that impair their ability to meet contractual obligations.