The Bottom Line Wealth Management Ltd.

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Client assets under management

$6,250,000

Clients

250

0% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

125

Very High

Average account size

$25,000

About

The Bottom Line Wealth Management Ltd. provides discretionary portfolio management and ongoing financial planning services for individual clients, including IRA rollover recommendations and coordination with third‑party money managers. The firm reports managing approximately $6.25 million in discretionary assets and delivers client communications such as periodic newsletters and tax reports as part of its planning offering.

Bottom Line implements model‑based portfolio strategies on a discretionary basis, employing methods that include fundamental, technical, charting and cyclical analysis and, when appropriate, third‑party managers; accounts are reviewed at least quarterly with attention to risk tolerance, rebalancing and tax‑loss harvesting. The firm also discloses the use of emerging technologies (including AI) in research and operations and highlights related operational, data‑privacy and model‑risk considerations.

A distinguishing feature of the firm is its material affiliation with insurance businesses: multiple affiliated persons act as licensed insurance agents and may receive commissions on insurance sales that can be used to determine fee credits, a practice the brochure discloses along with conflict‑mitigation policies. With two advisors serving roughly 250 clients and a relatively small asset base, the firm appears oriented toward retail, non‑high‑net‑worth households and relies on fee‑sharing with co‑advisors and third‑party managers rather than proprietary trading.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management General tax planning Retirement income strategy Annuities

Fee options

Percentage

$0 - $3,000,000: 1.25% $3,000,001 - $5,000,000: 1.15% $5,000,001+: 1.05%

Commissions

Separate commissions charged and earned for purchase of insurance products, used to determine fee credits; insurance commissions paid to investment advisor representatives as licensed insurance agents.

Main office location

The Bottom Line Wealth Management Ltd.

2600 N. Reynolds Road, Suite 103 B

Toledo OH 43615, United States

Number of offices

Most active in

Arizona · Florida · Georgia · Indiana · Michigan · North Carolina · Ohio

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Website 419-531-2414

Advisors at this firm

David H

Series 65

Toledo, OH

The Bottom Line Wealth Management Ltd.

David Hoobler is a financial advisor with The Bottom Line Wealth Management Ltd. in Toledo, OH, holding a Series 65 credential and seven years of industry experience. He has worked at Sunrift Capital Partners LLC since 2019 and has been involved with Retirement Income Consultants and Capaverill II & Associates since 2001, where he serves as a vice president and insurance agent. The Bottom Line Wealth Management Ltd. provides discretionary portfolio management and financial planning primarily for individual clients, utilizing model portfolios and third-party money managers. The firm combines fundamental, technical, and cyclical analysis in its investment approach and integrates insurance products into client financial planning.

Wealth management General tax planning Retirement income strategy Annuities

Gyeral N

Series 65

Toledo, OH

The Bottom Line Wealth Management Ltd.

Gyeral Nice is a financial advisor at The Bottom Line Wealth Management Ltd. in Toledo, OH, with seven years of industry experience. He holds a Series 65 designation and has worked with several firms, including Retirement Income Consultants and Sunrift Capital Partners LLC. Outside of advisory roles, he is also active as a licensed insurance agent through Capaveril II & Associates and Retirement Income Consultants. The Bottom Line Wealth Management Ltd. provides discretionary portfolio management and financial planning services primarily for individual clients, utilizing model portfolios and third-party money managers. The firm incorporates insurance products into its financial strategies and offers educational seminars and ongoing client reviews.

Wealth management General tax planning Retirement income strategy Annuities

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