Lake Street Advisors Group, LLC, operating as Lake Street Advisors, is a registered investment adviser founded in 2003, with corporate headquarters in Portsmouth, NH. The firm specializes in serving about 79 high-wealth family clients, offering multi-family office and wealth management services. Lake Street Advisors prides itself on being an independent, fee-only adviser, providing services such as financial planning, asset allocation, investment management, and holistic family office services. The firm offers discretionary and non-discretionary investment management services, tailoring recommendations to each client's unique circumstances and risk tolerance. Lake Street Advisors follows an investment philosophy based on Modern Portfolio Theory, emphasizing diversification for optimal returns. The firm manages approximately $3.108 billion in Regulatory Assets Under Management as of December 31, 2023. Clients can expect transparent fee structures, with investment management fees calculated based on total assets under management. Lake Street Advisors does not charge performance-based fees and acts as a fiduciary under ERISA and the IRC. The firm emphasizes client communication, with annual and quarterly reporting, ongoing account reviews, and client involvement in decision-making processes. Clients have the option to authorize discretionary trading and impose reasonable restrictions on investments. Lake Street Advisors does not vote proxies but may assist with class action claims upon client authorization. The firm maintains a Code of Ethics and complies with regulatory requirements for client protection and transparency. For more information, clients can access the firm's complete brochure by contacting [email protected].

Charter Oak Capital Management is a Registered Investment Adviser firm established in 2002 and located in Portsmouth, NH. The firm specializes in fee-based investment management and financial planning services, with a focus on managing investment portfolios and providing comprehensive financial planning advice. Charter Oak does not sell securities on a commission basis and is not affiliated with entities that sell financial products. The firm offers discretionary portfolio management services based on individual client needs, with functions including goal assessment, investment planning, trade execution, continuous supervision, and quarterly reporting. Clients typically have a minimum quarterly fee of $1,250, subject to negotiation not exceeding 1.50% of assets under management. Charter Oak may direct clients to third-party investment advisers and recommend subadvisors who employ direct indexing investment strategies. The firm acts as a fiduciary, ensuring that client interests are prioritized. Clients receive account statements from qualified custodians, primarily Charles Schwab & Co., Inc. and Fidelity Investments. Charter Oak does not charge performance-based fees and does not receive soft dollar benefits. The firm's proxy voting guidelines prioritize client interests, and it has no financial commitments impairing its ability to meet client obligations.

DHK Financial Advisors Inc. is a registered investment advisor founded in June 1993 by Timothy W. Dempsey, who serves as the Principal, Director, and Chief Compliance Officer. The firm offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable organizations, and retirement plans, acting as a fiduciary to clients. DHK provides customized investment solutions through discretionary and non-discretionary management, focusing on long-term investment strategies with a mix of mutual funds, ETFs, individual stocks, bonds, and alternative investments. The firm manages over $1.3 billion in client assets, with fees based on a tiered schedule ranging from 0.10% to 1.00% annually. Clients have the opportunity to place reasonable restrictions on their portfolios, and DHK may recommend redistributing investments for diversification or risk mitigation. The firm may also recommend cash positions as a hedge against market movements. DHK does not charge performance-based fees and does not manage proprietary investment funds. The firm emphasizes transparency, communication, and ethical practices, as outlined in its Code of Ethics. DHK does not accept or maintain custody of client funds, and all assets are managed at a designated custodian. The firm may recommend the use of independent managers for client portfolios, ensuring ongoing oversight and due diligence. Clients receive regular account reviews and reports, and DHK encourages open communication with clients to address any questions or concerns. The firm's investment philosophy is primarily based on asset allocation, long-term focus, and risk management.

Seascape Capital Management, LLC is a boutique investment advisory firm established in April 2003, serving high net worth individuals and families with discretionary investment management services. The firm offers comprehensive advisory services, including investment, retirement, and financial planning, tailored to each client's unique wealth picture. Seascape operates as an independent firm, emphasizing a client-centric approach to wealth management. The firm acts as a fiduciary, always prioritizing clients' best interests, particularly when providing retirement investment advice. For investment management, Seascape employs a combination of quantitative analysis and qualitative judgment to select securities, focusing on factors like financial ratios, quality measurements, and technical momentum. The firm charges fees based on a tiered schedule, starting at 1.25% for the first $1,000,000 managed, with a minimum account value of $1 million or a minimum fee of $7,500. As of December 31, 2024, Seascape managed over $400 million in assets on a discretionary basis. The firm does not participate in wrap fee programs or charge performance-based fees. Seascape's investment strategies encompass equities, bonds, and international investments, aiming to balance risk exposure with potential rewards in a diversified portfolio. The firm conducts regular reviews of client accounts, adjusting strategies as needed based on individual circumstances and market conditions. Seascape emphasizes transparency, ethical conduct, and client education, providing detailed information on fees, investment strategies, and risk factors.

Clark Asset Management, LLC, founded in June 2016, is a registered investment adviser with the U.S. Securities and Exchange Commission. The firm manages $749,924,076 on a discretionary basis and $28,415,234 on a non-discretionary basis as of December 31, 2024. Services offered include wealth management, comprising investment management and financial planning. Investment management involves tailored investment portfolios, guided by client objectives, with services provided on both discretionary and non-discretionary bases. Financial planning evaluates current and future financial states, covering areas such as retirement income planning, tax planning, risk management, inter-generational asset transfers, college savings planning, and charitable gift planning. The firm charges a fixed flat fee of $12,500 annually per client for wealth management services, payable quarterly in advance. Clark Asset Management practices passive investment management primarily, focusing on low portfolio expenses, minimal trading costs, and tax efficiency. The firm does not offer performance-based fees and serves individuals and high net-worth individuals without a minimum account size requirement, though the wealth management service is most suitable for clients with $1 to $10 million in investable assets. Clients have the option to choose their custodian and may impose reasonable restrictions on investments. The firm does not engage in block trading and does not receive soft dollar benefits. Clients receive annual account reviews and have exclusive responsibility for voting proxies and acting on corporate actions related to their investments. Clark Asset Management does not have custody of client funds and maintains financial stability without impairments to meeting client commitments.

Nvest Financial, LLC is a financial advisory firm based in Portsmouth, New Hampshire. It currently has approximately $268,387,510 of assets under management and employs about 12 people. Nvest Financial, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Cornerstone Financial Planning, LLC is a registered investment adviser based in Portsmouth, New Hampshire, established in 2004. The firm offers personalized financial planning and investment management services, including the selection of other advisers and hourly consulting services. They provide discretionary and non-discretionary portfolio management services, creating Investment Policy Statements for clients with assets over $150,000. The firm primarily advises on mutual funds and ETFs, with a minimum portfolio size of $750,000 and an annual advisory fee based on a percentage of assets managed. Clients may pay higher commissions for recommended broker-dealers, and the firm does not accept performance-based fees. Cornerstone Financial Planning, LLC does not have any disciplinary information, and they do not receive compensation for client referrals. The firm exercises limited custody over client accounts, with clients receiving account statements from independent custodians. Clients can grant discretionary or non-discretionary authority over their accounts, and the firm does not vote on client securities. The firm prioritizes client privacy and has policies in place to protect personal information. In the event of a trade error, the firm will take corrective actions, and any benefits from correcting errors are donated to charity.

Granite Bay Wealth Management, LLC, established in 2015, offers a client-centered approach to asset management and financial planning. The firm's investment advisory services include asset management and financial planning, tailored to individual client needs. Asset management services involve investigative client consultation, risk profiling, and ongoing communication to ensure alignment with client objectives. Financial planning services guide clients through a series of steps to identify and achieve financial goals. Clients with assets exceeding $500,000 may receive financial planning services alongside asset management. GBWM may provide asset management on a non-discretionary basis in limited circumstances. The firm does not participate in a wrap fee program and managed over $444 million in client assets as of December 31, 2024. Fees for financial planning services range from $300 to $400 per hour, while asset management fees typically range from 0.50% to 1.50% annually. GBWM recommends Schwab as a custodian/broker, providing access to a broad range of investment products and services. The firm does not charge performance-based fees and requires a minimum account size of $500,000. Clients include individuals, trusts, charitable organizations, corporations, and ERISA plans. GBWM emphasizes the importance of asset allocation, risk management, and client communication in its investment strategies. The firm does not have any disciplinary items to report and offers a transparent fee structure with detailed information on brokerage practices, custody, and investment discretion.

Estate Planners of New England, LLC is a Limited Liability Company established in July 2001 by principal owner Eric Flaim. The firm specializes in offering investment supervisory services, financial planning, and managing participant accounts with discretionary authority. Investment strategies are based on the FAS Macro-Micro Investment Portfolio Architecture, utilizing mutual funds and exchange-traded funds for asset allocation. EPNE primarily manages assets in various securities, including mutual funds, equities, bonds, and real estate. For investment supervisory services, fees are structured based on total assets under management, ranging from 0.60% to 1.25%. Financial planning services are offered at different levels, with fees starting at $750. Clients may impose restrictions on investments based on personal values, with EPNE providing tailored services based on client-specific needs. The firm does not participate in wrap fee programs and has assets under management totaling $52 million as of December 2024. EPNE acts as a fiduciary, providing ongoing reviews of client accounts and voting proxies in the best interest of clients. The firm does not accept performance-based fees and discloses potential conflicts of interest related to compensation from third parties. Clients have the option to engage in comprehensive financial planning or investment management services, with a minimum account size of $300,000. EPNE's investment philosophy focuses on long-term trading strategies and fundamental analysis to manage risk and optimize returns.