Cornerstone Advisors, LLC is a financial advisory firm based in Asheville, North Carolina. It currently has approximately $2,039,250,957 of assets under management and employs about 5 people. Cornerstone Advisors, LLC uses a fee structure of and a percentage of assets under your management.

Millbank Dartmoor Portsmouth LLC (MDP) is an investment adviser based in Asheville, North Carolina, established in September 2020 and registered with the SEC. The firm provides discretionary investment advisory services to institutional clients, foundations, pensions, endowments, high-net-worth individuals, and offers investment consulting. As of December 2024, MDP managed client assets totaling $233,714,235 on a discretionary basis. The firm utilizes various strategies, including index futures and options, to achieve clients' investment objectives. MDP charges investment management fees ranging from 0.25% to 0.60% per annum, negotiated on a case-by-case basis and documented in the Investment Management Agreement (IMA). Clients are responsible for third-party fees such as custodian and brokerage fees. MDP does not charge performance-based fees. The firm's investment objective is to earn long-term, risk-adjusted returns using index products and options to mitigate volatility. Clients have the option to invest in ETFs and other registered investment companies. MDP operates on a discretionary basis, with the authority to determine securities transactions for client accounts based on the signed IMA. The firm does not have custody over clients' assets and has no disciplinary events to disclose. Clients are encouraged to review all governing documents to understand associated risks, fees, and expenses thoroughly.

Horizons Wealth Management, Inc. is a Registered Investment Adviser founded in 2007 and registered with the U.S. Securities and Exchange Commission in April 2019. The firm offers wealth management and financial planning services to individual clients, businesses, and charitable organizations. Their services include a multi-step process starting with a Discovery Call, followed by an initial meeting, detailed financial planning, and implementation. The firm operates on a fee-only basis, with fees ranging from $300 per hour for consultations to a flat fee for comprehensive financial plans. Asset Management services are provided based on a tiered annual fee schedule ranging from 0.30% to 0.875% of assets under management, with a minimum fee of $2,000 per quarter. Horizons Wealth Management's investment philosophy is based on asset allocation to lower risk and maximize returns, customized to fit clients' unique circumstances and risk tolerance. The firm does not accept performance-based fees or engage in side-by-side management agreements. Clients have access to detailed ongoing reviews, quarterly reports, and online account access. The firm does not vote proxies for clients and does not receive client referrals from broker-dealers in exchange for compensation. Horizons Wealth Management exercises limited custody over client funds for fee deductions and provides detailed privacy policies to safeguard client information. The firm's personnel have no disciplinary history and are committed to ethical standards and fiduciary duties.

Earth Equity Advisors, LLC is a Limited Liability Company established in August 2014 and registered as an investment adviser in January 2017. The firm, based in Asheville, NC, is owned by Peter William Krull and Neill Currie Yelverton. Earth Equity Advisors offers online Investment Management services through Earth Equity ALIGN DIGITAL, creating personalized portfolios of responsible companies and green bonds based on client criteria. Their Investment Advisory Services include risk assessment, social & environmental screening, asset selection, asset allocation, and portfolio monitoring. The firm operates as a fiduciary, making investment decisions in clients' best interests. Earth Equity Advisors specializes in mutual funds, fixed income securities, equities, and other securities, offering financial planning services covering investment, tax, retirement, estate planning, and more. The firm's fee structure includes a flat 0.75% fee for ALIGN DIGITAL and tiered asset-based fees for Investment Advisory services. Clients have discretion over financial planning fees and can terminate agreements with notice. Earth Equity Advisors does not participate in wrap fee programs and has over $178 million in assets under management as of December 2021. The firm's investment strategies focus on long-term trading, utilizing fundamental analysis and modern portfolio theory to manage risk and returns for clients. Earth Equity Advisors does not accept compensation for the sale of investment products and serves various client types without an account minimum. The firm's brokerage practices prioritize best execution and fair allocation of investment opportunities among clients. Clients receive regular reports and have access to a Code of Ethics outlining EEA's commitment to ethical practices and client interests. Earth Equity Advisors does not engage in soft dollar benefits or accept third-party compensation for client referrals. The firm provides discretionary investment advisory services, managing client accounts and making investment decisions on their behalf. Clients retain custody of their assets and receive all necessary statements and invoices for transparency. EEA does not vote on client securities or solicit prepayment exceeding $1,200 per client. The firm maintains sound financial conditions and has no recent bankruptcy history.

Wells Financial Management, LLC, established in 2011 and based in Asheville, North Carolina, offers investment portfolio management services tailored to individual financial goals and risk tolerance. The firm constructs diversified portfolios using asset allocation strategies and manages investments on a discretionary basis. Clients may impose restrictions on securities trading. Financial planning services cover areas such as net worth evaluation, retirement planning, and estate planning. The firm charges asset management fees based on a tiered percentage of assets under management, with a minimum portfolio value of $500,000. Financial planning fees range from $500 to $5,000, negotiable based on complexity. Wells Financial does not participate in performance-based fees or side-by-side management. The firm primarily advises on Mutual Funds, ETFs, and individual stocks and bonds. Investment strategies include ESG investing and economic scenario analysis. Wells Financial reviews accounts regularly and provides quarterly reports. The firm recommends Charles Schwab for brokerage and custodial services, with fees paid directly from client accounts. Wells Financial does not vote on client securities proxies and has no disciplinary events to report. The firm does not engage in directed brokerage and may aggregate trades for efficiency. Wells Financial does not receive compensation for client referrals and does not have custody of client funds. Clients may grant discretionary investment authority, and the firm does not vote on client securities proxies.

WHITE OAK FINANCIAL MANAGEMENT, INC. is a financial advisory firm established in 2003, located in Asheville, North Carolina. The firm specializes in providing personalized financial strategies and investment management to individuals, retirement plans, trusts, estates, charitable organizations, and small businesses. Services include consultation on financial goals, cash flow management, education funding, retirement and estate planning, and tax guidance. WHITE OAK operates as a fee-based investment management firm, offering services under various agreements such as the Advisory Service Agreement and Investment Management Agreement. The firm charges fees based on a percentage of assets under management, with a fee schedule ranging from 0.7% to 2.0%. Clients have the option to engage in discretionary trading, where WHITE OAK has the authority to make investment decisions on their behalf. The firm does not require an account minimum and does not charge performance-based fees. Investment strategies include strategic and tactical asset allocation, with a focus on risk management. WHITE OAK does not vote proxies on securities and maintains a Business Continuity Plan for disaster recovery. The firm upholds a strong Information Security Program and Privacy Notice to protect client data. Key personnel include Laura C. McCue, President/CEO, Priestley C. Ford, Vice President/COO, and Brent A. Ford, CFP®, Treasurer/Managing Director/CFO/CCO. The firm's Investment Advisor Representatives are highly qualified, with educational backgrounds and relevant experience in the financial industry.

Wessel Investment Counsel, L.l.c. is a financial advisory firm based in Asheville, North Carolina. It currently has approximately $79,943,273 of assets under management and employs about 2 people. Wessel Investment Counsel, L.l.c. uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.