{"url":"https://nivawealth.com/firms/isto-advisors-284560","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/284560","regulatoryAum":1064509671,"crd":"284560","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7947602","suffix":null,"lastName":"Caruth","firstName":"Makaella","middleName":null},{"crd":"6354241","suffix":null,"lastName":"DECOSTER","firstName":"TYLER","middleName":"DAVID"},{"crd":"2536338","suffix":null,"lastName":"FISHER","firstName":"CHRISTOPHER","middleName":"ARTHUR"},{"crd":"4626629","suffix":null,"lastName":"GILLMAN","firstName":"KATHRYN","middleName":"MARY"},{"crd":"3032339","suffix":null,"lastName":"HOUSEY","firstName":"PAUL","middleName":"EDMUND"},{"crd":"5952543","suffix":null,"lastName":"KINNEE","firstName":"JOSHUA","middleName":"DAVID"},{"crd":"6491413","suffix":null,"lastName":"Legg","firstName":"Adam","middleName":"John"},{"crd":"6962121","suffix":null,"lastName":"Maguran","firstName":"Julia","middleName":"Madelyn"},{"crd":"5982283","suffix":null,"lastName":"MITCHELL","firstName":"KARA","middleName":"REBECCA"},{"crd":"6237980","suffix":null,"lastName":"VENDITTELLI","firstName":"MICHAEL","middleName":"ANTHONY"},{"crd":"2152174","suffix":null,"lastName":"WALL","firstName":"JILL","middleName":"JORDAN"}],"total":11,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-16","regulatoryAum":540497113,"clients":278,"employees":15,"offices":2},{"filedOn":"2022-02-28","regulatoryAum":674445985,"clients":300,"employees":15,"offices":2},{"filedOn":"2023-02-28","regulatoryAum":641139569,"clients":320,"employees":21,"offices":2},{"filedOn":"2024-03-27","regulatoryAum":765669160,"clients":342,"employees":21,"offices":2},{"filedOn":"2025-06-27","regulatoryAum":871638436,"clients":382,"employees":23,"offices":2},{"filedOn":"2026-09-25","regulatoryAum":1064509671,"clients":404,"employees":27,"offices":2}],"secFileNumber":"801-108409","legalName":"Isto Advisors, LLC","displayName":"Isto Advisors","slug":"isto-advisors-284560","website":"https://istoadvisors.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/284560/f12dc8a76922a0e6-r1.webp","tone":"light","width":397,"height":200,"sourceUrl":"https://www.istoadvisors.com/","sourceLabel":"Isto Advisors, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/isto-advisors","founded":"2016","organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2150 Butterfield Drive, Suite 220","city":"Troy","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48084"},"tradeNames":[],"registration":{"secApproved":"30 September 2016","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2869610.4497206705,"staff":{"employees":27,"advisory":19,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":1064509671,"discretionary":999331677,"discretionaryAccounts":2349,"nonDiscretionary":65177994,"nonDiscretionaryAccounts":184,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":114,"regulatoryAum":50348958},{"label":"High-net-worth individuals","clients":244,"regulatoryAum":976971583},{"label":"Pension and profit-sharing plans","clients":5,"regulatoryAum":14921090},{"label":"Charitable organizations","clients":41,"regulatoryAum":13088425},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":9179615}],"feePrograms":[{"role":"main","program":"Comprehensive Wealth Management","feeBasis":"marginal","fee_tiers":[{"to":250000,"pct":2,"from":0},{"to":500000,"pct":1.5,"from":250000},{"to":1000000,"pct":1,"from":500000},{"to":2000000,"pct":0.8,"from":1000000},{"to":null,"pct":0.5,"from":2000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052265","versionId":1052265,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-07-20","documentName":"PART 2A BROCHURE","fee_rate_low":0.5,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052265","versionId":1052265,"submittedOn":"2026-07-20","documentName":"PART 2A BROCHURE"},{"role":"other","program":"Prosperity Consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052265","versionId":1052265,"submittedOn":"2026-07-20","documentName":"PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T05:15:51.067706+00:00","documents":[{"name":"PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052265","versionId":1052265,"submittedOn":"2026-07-20"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Omaha, NE","smaAssets":889154195}],"custodyNote":"Isto Advisors has custody of $61.4M for 109 clients.","otherCustodians":[],"leadership":[{"name":"Christopher Fisher","title":"Chief Compliance Officer","crd":"2536338"},{"name":"Tyler Decoster","title":"Member","crd":"6354241"},{"name":"Joshua Kinnee","title":"Member","crd":"5952543"},{"name":"Kara Mitchell","title":"Member","crd":"5982283"},{"name":"Sandra Noworul","title":"Member","crd":"8050862"},{"name":"Jill Wall","title":"Member","crd":"2152174"}],"ownership":[{"label":"Fisher Financial Partners, Inc","detail":"Managing member in the 25% to 50% ownership band and a control person, since September 2016."},{"label":"Flipside Consulting, LLC","detail":"Managing member in the 25% to 50% ownership band and a control person, since September 2016."},{"label":"Christopher Fisher","detail":"Indirect owner: a owner of Fisher Financial Partners, Inc in the 75% or more band and a control person, since July 2004.","parent":"Fisher Financial Partners, Inc"},{"label":"Paul Housey","detail":"Indirect owner: a owner of Flipside Consulting, LLC in the 75% or more band and a control person, since July 2012.","parent":"Flipside Consulting, LLC"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Illinois","offices":1,"addresses":[{"street":"580 N. 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Isto Advisors offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Isto Advisors charge?","answer":"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.","source":"PART 2A BROCHURE, filed 20 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Isto Advisors use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Isto Advisors have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Isto Advisors invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Isto Advisors?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Isto Advisors get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Isto Advisors?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 25 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}