John Line, CPA, Inc.

The firm primarily serves high‑net‑worth individuals and a range of institutional clients, including pension and profit‑sharing plans, trusts, estates, charitable organizations, and business entities. It provides discretionary portfolio management, financial planning and consulting (including business valuation), and retirement plan consulting and participant education, and generally does not serve non‑high‑net‑worth individual clients.

Investment management is implemented largely through model portfolios developed and run by unaffiliated sub‑advisers, with the firm retaining discretionary authority to select or replace those sub‑advisers. The firm relies on diversification‑oriented approaches such as Modern Portfolio Theory and long‑term purchase strategies, typically recommending mutual funds and ETFs, and discloses that tax efficiency is not its primary management objective.

Distinctive operational features include the firm’s status as a certified public accounting practice and its advisory personnel holding CPA and CFP credentials, meaning some clients may receive both investment and accounting services from the same organization (with conflicts and disclosures addressed in its policies). For retirement plan clients the firm accepts fiduciary roles under ERISA and provides participant education; it also does not vote client proxies on behalf of accounts and generally relies on sub‑adviser trading rather than aggregating trades across advisory accounts.