ValMark Advisers, Inc.

Valmark Advisers provides investment management, financial planning, and retirement plan advisory services to individuals (including high‑net‑worth clients), plan sponsors, and other institutional users through a network of approximately 280 investment advisory representatives. Services are delivered via proprietary and third‑party programs — notably the ACCESS wrap platform, ACCESS Direct (including third‑party managers and the American Funds F‑2 program), Charles Schwab managed account platforms, and a range of mutual fund, ETF, fixed‑income, and annuity options.

The firm implements diversified, goal‑based model portfolios and emphasizes multi‑asset allocation implemented primarily with mutual funds, ETFs, and approved third‑party managers; ACCESS portfolios are monitored by Valmark and IARs and generally rebalanced at least annually and may be managed on a discretionary basis. Valmark performs due diligence on TPMs, provides back‑office support to its IARs, and offers fee‑based planning, retirement plan consulting, and sub‑advisory services, including ETF-focused portfolio solutions.

Noteworthy features include Valmark’s governance and economic relationships with insurance and ETF products: it serves as adviser to the TOPS® ETF portfolios in the Northern Lights Variable Trust, acts as index sponsor for the TOPS® Global Equity Target Range Index (licensed to WisdomTree), and retains Milliman as sub‑adviser for certain “Managed Risk” portfolios, arrangements that generate licensing and advisory fees and have prompted fee‑offset arrangements for IRAs. The firm also operates an Annuity Service Center that supports unaffiliated RIAs, offers linked fee‑based annuity and variable life options limited to approved investments (including TOPS® portfolios), and provides financial assistance programs to its IARs, creating compensation and operational linkages that differentiate it from many peers.