Our firm is dedicated to providing financial advisory services including comprehensive wealth management, financial planning and investment consultation to individuals and other types of clients.OurfirmisalimitedliabilitycompanyformedunderthelawsoftheStateofDelawarein2016 andhasbeeninbusinessasaninvestmentadvisersincethattime.Ourfirmismajorityownedby FisherFinancialPartners,Inc.andFlipSideConsulting,LLC.
Ourobjectiveistohelpourclientsmeettheirfinancialgoals.Asafiduciaryitisourdutytoalways actintheclient’sbestinterest.Thisisaccomplishedinpartbyknowingourclient,includingtheirrisk toleranceandtimehorizon.Ourfirmhasestablishedaservice-orientedadvisorypracticewithopen lines of communication. We work with clients to understand their goals, enabling us to create a customizedandcomprehensivefinancialstrategytohelpthemmeettheirfinancialobjectives.Our processincludesclienteducation,advocacyandsupportofoneanothertobetterfacilitateavalued workingrelationship.
TypesofAdvisoryServicesOffered
• ComprehensiveWealthManagement As part of our Comprehensive Wealth Management service, clients will be provided asset managementandfinancialplanningorconsultingservices.Thisserviceisdesignedtoassistclients inmeetingtheirfinancialgoalsthroughtheuseofafinancialplanorconsultation.Ourfirmwill analyzeeachclient’scurrentinvestments,investmentobjectives,goals,age,timehorizon,financial circumstances,investmentexperience,investmentrestrictionsandlimitationsandrisktolerance.
Additionally, we will review the client’s insurance needs, tax and estate planning goals and objectives.
Basedonwhatislearned,aninvestmentapproachispresentedtotheclient,consistingofindividual stocks,bonds,exchangetradedfunds(“ETFs”),options,mutualfundsinsurancesolutionsincluding annuities, whole life, and Indexed Universal Life and other public and private securities or investments. Once the appropriate portfolio has been determined, portfolios are regularly monitored,andifnecessary,rebalancedbasedupontheclient’sindividualneeds,statedgoalsand objectives. Upon client request, our firm provides a summary of observations and recommendationsfortheplanningorconsultingaspectsofthisservice.Ourfirmmayutilizethe sub-advisoryservicesofathirdpartyinvestmentadvisoryfirmorindividualadvisortoaidinthe implementation of an investment portfolio designed by our firm. Before selecting a firm or individual,ourfirmwillensurethatthechosenpartyisproperlylicensedorregistered
• FinancialPlanning&Consulting Ourfirmprovidesavarietyofstandalonefinancialplanningandconsultingservicestoclientsfor the management of financial resources based upon an analysis of current situation, goals, and objectives. The plan or consultation may include recommendations on a variety of investment relatedareas.Basedontheclient’sneeds,financialplanningservicesmayincludethefollowing: o Preparation of a recommended portfolio that serves to diversify the client’s portfolio amongdifferentcategoriesofinvestments,suchassmall,mediumandlargecapitalization ADVPart2A–FirmBrochurePage5ISTOAdvisors,LLC securities,corporateandgovernmentfixedincome;U.S.andinternationalinvestment; growthandvalueequities;andsuchothersuitableassetclasses.
o Preparation of a retirement plan that serves to identify whether the client is saving enoughorinvestinginawaythatmeetsretirementobjectives o Preparation of cash flow projections to ensure that the client can meet daily living expensesandobligations o Aninsuranceplantomeettheneedsoftheclient,takingintoaccountfamily,businessand otherfinancialobjectivesoftheclient.
o Our services will also include tax strategy, estate planning, education funding, and budgeting.
Implementationoftherecommendationswillbeatthediscretionoftheclient.Ourfirmprovides clients with a summary of their financial situation, and observations for financial planning engagements.

Financial consultations are not typically accompanied by a written summary of observations and recommendations, as the process is less formal than the planning service.
Assumingthatalltheinformationanddocumentsrequestedfromtheclientareprovidedpromptly, plansorconsultationsaretypicallycompletedwithin90daysoftheclientsigningacontractwith ourfirm.

• OurFinancialPlan OurPlanisalivingdocumentandisreviewedatleastannuallyinconjunctionwiththeclient’s needsandobjectives.ThePlanismostcommonlydividedintothefollowingsections: o Goalso Investments o Assets/Liabilitieso Distributions o EducationPlanningo RiskManagement o FinancialIndependenceo EstatePlanning o IncomeTaxes
• RetirementPlanConsulting Ourfirmprovidesretirementplanconsultingservicestoemployerplansponsorsonanongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing,monitoringandreviewingtheircompany’sparticipant-directedretirementplan.As theneedsoftheplansponsordictate,areasofadvisingcouldinclude:investmentoptions,plan structureandparticipanteducation.
RetirementPlanConsultingservicestypicallyinclude: o EstablishinganInvestmentPolicyStatement–Ourfirmwillassistinthedevelopmentofa statement that summarizes the investment goals and objectives along with the broad strategiestobeemployedtomeettheobjectives.
o Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investmentoptionsandmakerecommendationsforappropriatechanges.
o AssetAllocationandPortfolioConstruction–Ourfirmwilldevelopstrategicassetallocation modelstoaidParticipantsindevelopingstrategiestomeettheirinvestmentobjectives,time horizon,financialsituationandtoleranceforrisk.
o Investment Monitoring – Our firm will monitor the performance of the investments and notifytheclientintheeventofover/underperformanceandintimesofmarketvolatility.
ADVPart2A–FirmBrochurePage6ISTOAdvisors,LLC Inprovidingservicesforretirementplanconsulting,ourfirmdoesnotprovideany advisoryservices withrespecttothefollowingtypesofassets:employersecurities,realestate (excludingrealestate fundsandpubliclytradedREITS),participantloans,non-publiclytraded securities or assets,other illiquidinvestments,orbrokeragewindowprograms (collectively,“ExcludedAssets”).Allretirement planconsultingservicesshallbeincompliancewiththeapplicablestatelawsregulatingretirement consultingservices.Thisappliestoclientaccountsthatareretirementorotheremployeebenefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to provide servicestosuchaccounts,ourfirmacknowledgesitsfiduciarystandardwithinthemeaningofSection 3(21) of ERISA as designated by the Retirement Plan Consulting Agreement with respect to the provisionofservicesdescribedtherein.
TailoringofAdvisoryServices OurfirmoffersindividualizedinvestmentadvicetoourComprehensiveWealthManagementclients.
GeneralinvestmentadvicewillbeofferedtoourFinancialPlanning&ConsultingandRetirement PlanConsultingclients.
EachComprehensiveWealthManagementclienthastheopportunitytoplacereasonablerestrictions onthetypesofinvestmentstobeheldintheportfolio.Restrictionsoninvestmentsincertainsecurities ortypesofsecuritiesmaynotbepossibleduetothelevelofdifficultythiswouldentailinmanaging theaccount.Ourfirmmayrecommendtocertainclientsthatmeetminimumnetworththresholds investmentsinprivateplacements.
ParticipationinWrapFeePrograms Ourfirmdoesnotofferorsponsorawrapfeeprogram.
RegulatoryAssetsUnderManagement AsofDecember31,2023,ourfirmmanages$733,105,473onadiscretionarybasisand$32,563,687 onanon-discretionarybasis.Ourtotalassetsundermanagementare$765,669,160.