# Isto Advisors, LLC

> Isto Advisors, LLC is an SEC-registered investment advisory firm in Troy, MI, registered since 2016, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated September 25, 2026.

- CRD: 284560
- Filed as: ISTO ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Troy, MI
- Filing period: October 2026
- Form ADV filing dated: September 25, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/284560
- AdvisorCensus page: https://advisorcensus.com/firm/isto-advisors-llc-troy-mi-284560

## Quick answers

**How is Isto Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Isto Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Isto Advisors, LLC charge?**
Its Form ADV Part 2A brochure dated July 20, 2026 states: Flat fee: $2,000 (Phase 1 Financial Planning and Consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Isto Advisors, LLC located?**
Isto Advisors, LLC's principal office is in Troy, MI, according to its Form ADV; the October 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Isto Advisors, LLC registered with the SEC or a state?**
Isto Advisors, LLC is an SEC-registered investment advisory firm, registered since 2016. Status as filed: Approved. CRD 284560.

**How much does Isto Advisors, LLC manage?**
Isto Advisors, LLC reports $1,064,509,671 in regulatory assets under management in its Form ADV filing dated September 25, 2026 (94% discretionary).

**How have Isto Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Isto Advisors, LLC: Regulatory assets under management: $540,497,113 in the October 2021 data and $1,064,509,671 in the October 2026 data, up 97%. Total employees: 15 in October 2021 and 27 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Isto Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (244); individuals (other than high net worth individuals) (114); charitable organizations (41).

**Which custodians does Isto Advisors, LLC use?**
Isto Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Isto Advisors, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/284560

**What changed in Isto Advisors, LLC's recent Form ADV filings?**
In the October 2026 filing data: Registered or notice-filed in MN.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated July 20, 2026)

- Flat fee: $2,000 (Phase 1 Financial Planning and Consulting services)

> ISTO Prosperity charges a one-time flat fee of $2,000 for Phase 1 Financial Planning and Consulting services.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $1,064,509,671
- Discretionary: $999,331,677
- Non-discretionary: $65,177,994

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 114 | $50,348,958 |
| High net worth individuals | 244 | $976,971,583 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 5 | $14,921,090 |
| Charitable organizations | 41 | $13,088,425 |
| Corporations or other businesses not listed above | Fewer than 5 | $9,179,615 |

### Advisory services (Item 5.G)
- 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)

### Firm details
- Registered since: 2016 (10 years)
- Employees: 27 total, 19 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, IL, IN, LA, MI, MN, NY, TN, TX, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Lake Forest, IL

### Websites listed on Form ADV (Item 1.I)
- [istoadvisors.com](https://istoadvisors.com)
- LinkedIn @isto-advisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $540,497,113 | 15 | March 16, 2021 |
| October 2022 | $674,445,985 | 15 | February 28, 2022 |
| October 2023 | $641,139,569 | 21 | September 19, 2023 |
| October 2024 | $765,669,160 | 21 | March 27, 2024 |
| October 2025 | $871,638,436 | 23 | June 27, 2025 |
| October 2026 | $1,064,509,671 | 27 | September 25, 2026 |

Regulatory assets under management: $540,497,113 in the October 2021 data and $1,064,509,671 in the October 2026 data, up 97%.
Total employees: 15 in October 2021 and 27 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Registered or notice-filed in MN.

### April 2026
- Employees performing advisory functions went from 18 to 19.
- Regulatory assets under management went from $871,638,436 to $1,064,509,671 (+22%).

### December 2025
- Registered or notice-filed in LA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Isto Advisors, LLC (CRD 284560): Form ADV filing data as of October 2026.