Galvin, Gaustad & Stein, LLC

• A percentage of assets under your management
• Hourly charges
• Fixed fees (other than subscription fees)

Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ

The brochure lists different fees for different services or strategies; see the brochure for them.

Account minimum: $500,000 (the brochure says it may be waived or negotiated)

As stated in the firm's Form ADV Part 2A brochure dated May 27, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site

$1,354,519,461 as of October 2026, filing dated September 3, 2026.

A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means

A firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.

• Financial planning services
• Portfolio management for individuals and/or small businesses
• Portfolio management for businesses (other than small businesses) or institutional clients
• Pension consulting services
• Selection of other advisers (including private fund managers)

Also doing business as

GGS ADVISORS

Registration

SEC-registered investment adviser. Status as filed: Approved.

Registered since

2010 (16 years)

Employees

Total: 17. Performing investment advisory functions: 17.

Wrap fee program participation

Yes.

Custodians (Schedule D, Section 5.K(3))

National Financial Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

Other offices (Schedule D, Section 1.F)

8 other offices, as of the October 2026 filing

Ann Arbor, MIBellevue, WABeverly Hills, CABoise, IDBroomfield, COFort Collins, COPittsburgh, PATownsburg, OH

States registered or notice-filed

21 states or jurisdictions

AZCACOFLHIIDILMAMDMINCNMNVNYOHORPASCTNTXWA

SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration

None Reports no disclosure items on Form ADV Item 11. View on IAPD.

Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures

Regulatory assets under management: $1,129,326,421 in the October 2021 data and $1,354,519,461 in the October 2026 data, up 20%.

Total employees: 13 in October 2021 and 17 in October 2026.

As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.

1. October 2026
   • Added the business name GGS Advisors.
   • Added an office in Townsburg, OH.
   • No longer lists an office in Northfield, OH.
2. June 2026
   • Added an office in Ann Arbor, MI.
   • Added an office in Northfield, OH.
   • No longer lists an office in Cleveland, OH.
   • Registered or notice-filed in MI, TN.
3. April 2026
   • Regulatory assets under management went from $1,224,628,967 to $1,354,519,461 (+11%).
4. January 2026
   • Employees performing advisory functions went from 16 to 17.
   • Added an office in Sagamore Hills, OH.
   • Registered or notice-filed in MA, MD, SC.
   • No longer registered or notice-filed in NH.

Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.