{"url":"https://nivawealth.com/firms/straightline-group-127401","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/127401","regulatoryAum":1170377158,"crd":"127401","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4503168","suffix":null,"lastName":"BISARO","firstName":"MICHAEL","middleName":"FRED"},{"crd":"4901767","suffix":null,"lastName":"FISHER","firstName":"JASON","middleName":"CHARLES"},{"crd":"2865041","suffix":null,"lastName":"KARRAS","firstName":"DORIS","middleName":"CATHERINE"},{"crd":"5845725","suffix":null,"lastName":"MEHRA","firstName":"GAURAV","middleName":"SONNY"},{"crd":"4837560","suffix":null,"lastName":"MOSSHART","firstName":"BETHANY","middleName":"WINTERBOTTOM"},{"crd":"7756753","suffix":null,"lastName":"Raffin","firstName":"Dennis","middleName":"Robert"},{"crd":"6409136","suffix":null,"lastName":"RICE","firstName":"MICHAEL","middleName":"ALLAN"},{"crd":"2224334","suffix":null,"lastName":"RICKEY","firstName":"ROBERT","middleName":"THOMAS"},{"crd":"7153866","suffix":null,"lastName":"RIVARD","firstName":"ZACHARY","middleName":"D"},{"crd":"7799810","suffix":null,"lastName":"Zammit","firstName":"Kyle","middleName":"Steven"}],"total":10,"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":"2021-04-28","regulatoryAum":1056828297,"clients":2624,"employees":12,"offices":3},{"filedOn":"2022-07-18","regulatoryAum":1179188076,"clients":2636,"employees":8,"offices":3},{"filedOn":"2023-07-26","regulatoryAum":1002563047,"clients":2632,"employees":8,"offices":3},{"filedOn":"2024-05-10","regulatoryAum":1121194253,"clients":2606,"employees":9,"offices":4},{"filedOn":"2025-03-31","regulatoryAum":1106624742,"clients":2858,"employees":10,"offices":4},{"filedOn":"2026-07-10","regulatoryAum":1170377158,"clients":2365,"employees":11,"offices":4}],"secFileNumber":"801-63408","legalName":"Straightline Group, LLC","displayName":"StraightLine Group","slug":"straightline-group-127401","website":"https://straightline.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/127401/d5dd21289a88ad8d-r1.webp","tone":"light","width":793,"height":200,"sourceUrl":"https://www.straightline.com/","sourceLabel":"Straightline, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"http://www.linkedin.com/company/straightline","founded":null,"organization":"Michigan limited liability company","fiscalYearEnd":"December","headquarters":{"street":"165 Kirts BLVD., Ste 100","city":"Troy","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48084-5200"},"tradeNames":[],"registration":{"secApproved":"11 August 2004","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":494972.83078880404,"staff":{"employees":11,"advisory":10,"brokerDealerReps":0,"insuranceAgents":4,"promoters":0},"aum":{"regulatory":1170377158,"discretionary":1134080989,"discretionaryAccounts":4304,"nonDiscretionary":36296169,"nonDiscretionaryAccounts":448,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":2},"clientTypes":[{"label":"Individuals (other than HNW)","clients":2093,"regulatoryAum":644575434},{"label":"High-net-worth individuals","clients":265,"regulatoryAum":522570501},{"label":"Charitable organizations","clients":3,"regulatoryAum":2270718},{"label":"Corporations and other businesses","clients":4,"regulatoryAum":960505}],"feePrograms":[{"role":"main","program":"Discretionary Investment Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051433","versionId":1051433,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-07-10","documentName":"STRAIGHTLINE ADV PART 2A BROCHURE 7.10.26","fee_rate_low":0.45,"fee_rate_high":0.9,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Non-Discretionary Portfolio Allocation Services","summary":"A flat fee of $3,600 a year, billed quarterly in arrears ($900 a quarter).","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051433","versionId":1051433,"submittedOn":"2026-07-10","documentName":"STRAIGHTLINE ADV PART 2A BROCHURE 7.10.26"},{"role":"other","program":"Standalone Financial Planning","summary":"One-year planning contracts cost $2,400 to $4,800, varying with each client's circumstances; billed quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051433","versionId":1051433,"submittedOn":"2026-07-10","documentName":"STRAIGHTLINE ADV PART 2A BROCHURE 7.10.26"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T04:32:25.798562+00:00","documents":[{"name":"STRAIGHTLINE ADV PART 2A BROCHURE 7.10.26","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051433","versionId":1051433,"submittedOn":"2026-07-10"}]},"custodians":[{"name":"Fidelity Investments","shortName":"Fidelity","location":"Covington, KY","smaAssets":266753819},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":566799348},{"name":"Tiaa-Cref Individual & Institutional Services, LLC","shortName":"Tiaa-Cref Individual & Institutional Services","location":"Charlotte, NC","smaAssets":227625659}],"custodyNote":"StraightLine Group has custody of $691M for 1,508 clients.","otherCustodians":[],"leadership":[{"name":"Michael Bisaro","title":"President and CEO","crd":"4503168"},{"name":"Bethany Mosshart","title":"Chief Operating Officer/Director of Administration","crd":"4837560"},{"name":"Bethany Mosshart","title":"Chief Operating","crd":"4837560"},{"name":"Musa Abdul-Basser","title":"Chief Compliance Officer","crd":"7068664"},{"name":"Robert Rickey","title":"Chief Growth Officer","crd":"2224334"}],"ownership":[{"label":"Michael Bisaro","detail":"President and ceo in the 75% or more ownership band and a control person, since February 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":3,"privateResidences":1},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":2,"addresses":[{"street":"165 Kirts BLVD., Ste 100","city":"Troy","headquarters":true},{"street":"2911 Eyde Parkway","city":"East Lansing"}]},{"state":"Ohio","offices":1,"addresses":[{"street":"101 E. Sandusky Street","city":"Findlay"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"248-269-8366","stateRegisteredReps":10,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Selection of other advisers (including private fund managers)","Educational seminars/workshops","Other"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":19},{"label":"U.S. government/agency bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":69},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":6},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"10 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/127401/PDF/127401.pdf","brochureDate":"10 July 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051433","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does StraightLine Group have?","answer":"StraightLine Group has 2,365 clients and manages $1.17 billion for them, as of July 2026. They include 2,093 individual clients, 265 high-net-worth individuals, and 4 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 10 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does StraightLine Group offer?","answer":"StraightLine Group provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, selecting other managers, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does StraightLine Group charge?","answer":"StraightLine Group charges 0.45%–0.90% a year for its Discretionary Investment Management. The fee is billed in arrears.","source":"STRAIGHTLINE ADV PART 2A BROCHURE 7.10.26, filed 10 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does StraightLine Group use?","answer":"StraightLine Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $567M, Fidelity Investments (Covington, KY), with $267M and Tiaa-Cref Individual & Institutional Services, LLC (Charlotte, NC), with $228M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does StraightLine Group have?","answer":"StraightLine Group has 10 investment adviser representatives registered with state securities authorities, out of 11 employees, and 10 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 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 StraightLine Group invest in?","answer":"At the end of its last fiscal year, StraightLine Group’s separately managed accounts held 69% registered funds (mutual funds, ETFs, BDCs), 19% exchange-traded equities, 6% pooled vehicles (private funds and similar), 5% 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 StraightLine Group?","answer":"StraightLine Group’s direct owner is Michael Bisaro (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 10 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does StraightLine Group get paid?","answer":"StraightLine Group is paid through a percentage of assets under management, fixed fees and other compensation. 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 StraightLine Group?","answer":"StraightLine Group’s main office is at 165 Kirts BLVD., Ste 100, Troy, MI 48084-5200. Its phone number is 248-269-8366. Its website is straightline.com.","source":"Form ADV Part 1A, Item 1.F, filed 10 July 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/straightline-group-127401/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-14","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1444864/000144486426000004/0001444864-26-000004-index.html","totalValue":212083223,"positionCount":19,"top10Share":0.9799442740456655,"top10":[{"issuer":"BONDBLOXX ETF TRUST","titleOfClass":"BLOOMBERG THREE","cusip":"09789C846","value":51372409,"shares":1047775,"shareType":"SH","priorValue":51613780,"priorShares":1042492},{"issuer":"INVESCO EXCHANGE TRADED FD T","titleOfClass":"S&P MDCP QUALITY","cusip":"46137V472","value":41832294,"shares":370591,"shareType":"SH","priorValue":37622443,"priorShares":363959},{"issuer":"GOLDMAN SACHS ETF TR","titleOfClass":"ACTIVEBETA 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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."}