Isto Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
Isto Advisors reports 404 clients. They include 244 high-net-worth individuals, 114 individual clients and 41 charitable organizations. Of its assets, 93.9% ($999M across 2,349 accounts) are managed with discretion; $65.2M across 184 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 28% | 5% |
| High-net-worth individuals | 60% | 92% |
| Pension and profit-sharing plans | 1% | 1% |
| Charitable organizations | 10% | 1% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 114 | $50.3M | 4.7% | $442K |
| High-net-worth individuals | 244 | $977M | 91.8% | $4M |
| Pension and profit-sharing plans | 5 | $14.9M | 1.4% | $2.98M |
| Charitable organizations | 41 | $13.1M | 1.2% | $319K |
| Corporations and other businesses | Fewer than 5 | $9.18M | 0.9% | — |
| Total | 404 | $1.06B | 100% | — |
- Clients
- 114
- Regulatory AUM
- $50.3M
- AUM share
- 4.7%
- Avg. per client
- $442K
- Clients
- 244
- Regulatory AUM
- $977M
- AUM share
- 91.8%
- Avg. per client
- $4M
- Clients
- 5
- Regulatory AUM
- $14.9M
- AUM share
- 1.4%
- Avg. per client
- $2.98M
- Clients
- 41
- Regulatory AUM
- $13.1M
- AUM share
- 1.2%
- Avg. per client
- $319K
- Clients
- Fewer than 5
- Regulatory AUM
- $9.18M
- AUM share
- 0.9%
- Avg. per client
- —
Total
- Clients
- 404
- Regulatory AUM
- $1.06B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Isto Advisors charges 0.50%–2.00% a year for its Comprehensive Wealth Management. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$250K | 2.00% |
| $250K–$500K | 1.50% |
| $500K–$1M | 1.00% |
| $1M–$2M | 0.80% |
| $2M and above | 0.50% |
Fee details and sources
Other fees
- Financial Planning and Consulting
- Financial planning and consulting is billed hourly or as a flat fee; the hourly fee will not exceed $1,500 and flat fees will not exceed $100,000.
- Prosperity Consulting
- Prosperity Phase 1 is a one-time $2,000 flat fee; Phase 2 for clients with $480,000 or less in assets is a $6,000 annual flat fee billed $1,500 quarterly in advance.
Fisher Financial Partners, Inc owns 25% to 50% of Isto Advisors and is in turn owned by Christopher Fisher (75% or more). The leadership team of Isto Advisors includes Chief Compliance Officer Christopher Fisher. It has 27 employees, 19 of them in advisory roles.
Staff
- 27 employees
- 19 in advisory functions
- 11 state-registered reps
- 2 insurance agents
- Owns 25% to 50% of Isto Advisors, LLC
Fisher Financial Partners, Inc
Control person · since September 2016
- Owns 75% or more of Fisher Financial Partners, Inc
Christopher Fisher
Control person · since July 2004
- Owns 25% to 50% of Isto Advisors, LLC
Flipside Consulting, LLC
Control person · since September 2016
- Owns 75% or more of Flipside Consulting, LLC
Paul Housey
Control person · since July 2012
Isto Advisors’ regulatory assets grew 2.0× from $540M (March 2021) to $1.06B (September 2026); clients rose from 278 to 404 and employees from 15 to 27.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Sep 2026September 2026 | $1.06B | 404 | 27 | 2 |
| Jun 2025June 2025 | $872M | 382 | 23 | 2 |
| Mar 2024March 2024 | $766M | 342 | 21 | 2 |
| Feb 2023February 2023 | $641M | 320 | 21 | 2 |
| Feb 2022February 2022 | $674M | 300 | 15 | 2 |
| Mar 2021March 2021 | $540M | 278 | 15 | 2 |
Besides its headquarters, Isto Advisors has 1 office, with 2 listed addresses across 2 states.
Illinois · 1 listed address
- 580 N. Western Avenue, Lake Forest
Michigan · 1 listed address
- 2150 Butterfield Drive, Suite 220, TroyHQ
Contact and registration details
- Legal name
- Isto Advisors, LLC
- Headquarters
- 2150 Butterfield Drive, Suite 220, Troy, MI 48084
- Website
- istoadvisors.com
- Phone
- 248-458-1100
- @isto-advisors
- SEC file
- 801-108409
- Founded
- 2016
- Structure
- Delaware LLC
- Fiscal year end
- December
Isto Advisors’ named custodian for separately managed accounts is Charles Schwab ($889M). Isto Advisors has custody of $61.4M for 109 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Omaha, NE · $889M100%
At year end, Isto Advisors’ separately managed accounts were mostly in funds (75%) and stocks (23%).
What the accounts hold
- Stocks23%
- Exchange-traded equities22%
- Non-exchange-traded equities1%
- Funds75%
- Registered funds69%
- Pooled vehicles6%
- Bonds1%
- Cash1%
How many clients does Isto Advisors have?
Isto Advisors has 404 clients and manages $1.06 billion for them, as of September 2026. They include 244 high-net-worth individuals, 114 individual clients and 41 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 September 2026
What services does Isto Advisors offer?
Isto Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Isto Advisors charge?
Isto Advisors charges 0.50%–2.00% a year for its Comprehensive Wealth Management. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
Which custodians does Isto Advisors use?
Isto Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $889M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 September 2026
How many financial advisors does Isto Advisors have?
Isto Advisors has 11 investment adviser representatives registered with state securities authorities, out of 27 employees, and 19 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Isto Advisors invest in?
At the end of its last fiscal year, Isto Advisors’ separately managed accounts held 69% registered funds (mutual funds, ETFs, BDCs), 22% exchange-traded equities, 6% pooled vehicles (private funds and similar), 1% non-exchange-traded equities, 1% U.S. government and agency bonds and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Isto Advisors?
Isto Advisors is owned through holding companies by Christopher Fisher and Paul Housey. Its direct owners are Fisher Financial Partners, Inc and Flipside Consulting, LLC, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 25 September 2026
How does Isto Advisors get paid?
Isto Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Isto Advisors?
Isto Advisors’ main office is at 2150 Butterfield Drive, Suite 220, Troy, MI 48084. Its phone number is 248-458-1100. Its website is istoadvisors.com.