Valmark Advisers, Inc. is a Registered Investment Adviser founded in 1997, offering investment advisory wrap-fee programs primarily through individual investment advisory representatives. The firm specializes in providing a full menu of investment and advisory options, including proprietary programs like TOPS®, TOPS® Core, and ACCESS™ Plus. Valmark's investment committee assists in making strategic investment decisions for its programs. Clients can invest in ETFs, corporate debt securities, certificates of deposit, municipal securities, investment company securities, and US government securities through these programs. For the TOPS® program, clients can invest with a minimum of $100,000, while the TOPS® Core program requires a minimum of $10,000. The VWS Flex program has a minimum investment requirement of $100,000, and the ACCESS Plus program requires a minimum of $250,000. Valmark charges an annual set percentage fee based on the total assets held in the client's account, with fees not exceeding certain established percentages based on the account balance. The firm also offers tax loss harvesting and dollar-cost averaging strategies for clients. Valmark does not charge performance-based fees and does not exercise proxy voting on behalf of retail advisory clients. The firm has a Code of Ethics policy to ensure ethical behavior and compliance with securities laws. Valmark has no disciplinary events related to its advisory services and has not been subject to a bankruptcy proceeding. The firm's financial information shows no impairments to meeting contractual and fiduciary commitments.

Oak Associates, ltd. is a SEC-registered investment management firm established in 1985, located in Akron, Ohio. The firm specializes in providing investment supervisory services with a focus on a growth equity strategy. They offer individual and institutional advisory services, including communication with clients and portfolio reviews. Oak Associates manages approximately $1.66 billion in client assets on a discretionary basis. Their fee structure includes a standard management fee of 1.00% annually on the first $4 million and 0.75% on assets over $4 million, with negotiable fees based on account size and type. The firm also provides investment advisory services to the Oak Funds and offers wrap fee programs with a minimum account size of $100,000. Oak Associates uses fundamental, qualitative, quantitative, and macroeconomic analysis in their investment strategies, focusing on long-term purchases and concentration. They have a rotational order entry process and review client portfolios regularly. The firm has a Code of Ethics in place to address conflicts of interest and ensures fair treatment of clients. Oak Associates has no disciplinary events, receives no third-party benefits, and does not charge fees in advance. They have custody over client assets held at qualified custodians and exercise investment discretion for client accounts. The firm has a proxy voting policy and does not provide legal advice or act on behalf of clients in legal proceedings.

Kohmann Bosshard Financial Services, LLC, a Registered Investment Advisor established in 2006, offers fee-based investment advisory services primarily to high-net-worth individuals, pension and profit-sharing plans, trusts, and charitable organizations. The firm's Chief Compliance Officer is Dean Kohmann. Investment strategies include asset allocation, with a focus on ETFs, mutual funds, individual securities, and fixed-income securities. Clients have the option to delegate limited discretionary authority to the Advisor. The firm does not participate in wrap fee programs and had over $900 million in discretionary assets under management as of December 31, 2024. Fees for Investment Management Services range from 0.42% to 0.85% annually, with additional details based on asset levels. Clients are required to maintain a minimum investment of $500,000, which may be waived in certain cases. The firm does not receive soft dollar benefits and does not compensate non-advisory personnel for client referrals. Clients have the authority to vote proxies for their securities, and the firm does not have custody of client assets. Kohmann Bosshard emphasizes ethical conduct, acting as a fiduciary in the best interests of its clients. The firm conducts periodic reviews of client accounts, with internal reviews occurring monthly or quarterly. Clients receive statements from Schwab, the recommended custodian, and have the option for limited discretion in their investments. Kohmann Bosshard does not have any financial conditions that would impair its ability to meet client commitments.

True Wealth Design, LLC was established in February 2007 in Ohio, offering wealth management services focusing on retirement planning, tax planning, and investment management for individuals, families, and businesses. The firm also owns TW Accounting & Tax Advisors, LLC, providing tax and accounting services. True Wealth Design acts as a fiduciary, putting clients' best interests first. They offer financial planning services on a fixed-fee or hourly basis, with fees ranging from $2,500 to $10,000. For investment advisory services, fees vary from 0.25% to 1.60% of assets under management, with a minimum annual fee of $1,800. True Wealth provides Wealth Management Services, bundling investment advisory and financial planning services. They offer two service levels: True Wealth Planning for clients with up to $1.5 million in assets, and True Wealth Private Client for clients with $1.5 million or more in assets. The firm uses various investment strategies, including asset allocation, asset class diversification, and tax-smart strategies. True Wealth does not accept performance-based fees and provides services to individuals, businesses, trusts, and charitable organizations. The firm does not have any reportable disciplinary events and does not vote client proxies. Clients are encouraged to review financial planning issues annually. True Wealth does not vote client proxies and does not have custody of client funds. The firm has no financial conditions impairing its ability to meet contractual commitments.

Wells Trecaso Financial Group, LLC (WTFG) is a registered investment adviser offering financial planning, consulting, and investment management services. Established in November 2017, WTFG is owned by Douglas Wells, Ralph Trecaso, Christopher Walters, and Samuel Trecaso. The firm manages $533,336,384 in assets on a discretionary basis. Services include financial planning, retirement planning, and investment portfolio management. Clients have discretion over decisions and are not obligated to act on recommendations. The firm's investment strategy includes the "Wells Trecaso Valuation Model" for stock selection and a fixed income strategy based on safety and income. Clients are charged an annual fee based on assets under management, ranging from 0.35% to 1.75%. Retirement plan consulting services are also offered. WTFG does not engage in performance-based fees and serves various client types, including individuals and organizations. The firm's investment philosophy focuses on growth at reasonable prices and risk management. Clients receive transaction confirmations and account statements directly from custodians. WTFG has investment discretion and does not vote client securities. The firm does not compensate third-party solicitors for client referrals. Additionally, WTFG receives economic benefits from Raymond James for services provided. The firm has not been involved in any material legal or disciplinary events.

Presper Financial Architects, LLC is a financial advisory firm based in Akron, Ohio. It currently has approximately $260,343,975 of assets under management and employs about 10 people. Presper Financial Architects, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Symphony Financial Services, Inc. is a financial advisory firm based in Akron, Ohio. It currently has approximately $244,240,188 of assets under management and employs about 10 people. Symphony Financial Services, Inc. uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Auxin Group Wealth Management, LLC is a financial advisory firm based in Akron, Ohio. It currently has approximately $233,625,146 of assets under management and employs about 7 people. Auxin Group Wealth Management, LLC uses a fee structure of a percentage of assets under your management, hourly charges, fixed fees and fee offset.

EGI Financial, Inc. is a financial advisory firm based in Akron, Ohio, with a team of experienced advisors including Edgar G. Ingraham, Tyler A. Krummel, Michael D. Prescott, Brian D. Vincelette, Brian K. Weinreich, Sara Gibbs, and Kenneth R. Reeves. The firm was established in April 1992 and offers services such as investment advice and portfolio management. The advisors at EGI Financial have educational backgrounds in finance, business management, and marketing, with various professional designations such as Chartered Retirement Planning Counselor (CRPC). Clients of EGI Financial, Inc. can expect a fiduciary relationship, as the advisors act in the best interests of their clients. The minimum initial investment or account size is not specified in the brochure. The fee structure is not explicitly mentioned, but the advisors do not receive additional compensation for providing services to clients other than those of EGI Financial, Inc. Clients have the option to work with advisors who have expertise in retirement planning, asset management, and estate planning. Clients have the opportunity to review the investment allocations, client objectives, and investment activity supervised by Jeffrey C. Thomas, the Chief Compliance Officer. The advisors have no disciplinary information or disclosures related to awards, arbitration, civil suits, or bankruptcies.