Discover why Brandon Prettyman, a trusted financial advisor at Summit Wealth Advisors with ties to Methodist University, excels in wealth management. This review explores his tailored financial planning, precise investment management, and comprehensive estate planning services. Gain insights into his client-focused strategies, real testimonials, and unique value to make informed decisions for your financial future.
Who is Brandon Prettyman?
Brandon Prettyman stands out as a Delaware-based financial advisor leading Summit Wealth Advisors in Wilmington, combining academic excellence with practical wealth management experience. With a focus on personalized financial planning, he guides clients through retirement planning, estate planning, and investment management. His approach emphasizes fiduciary duty and client satisfaction, helping families in Delaware build lasting financial security amid market fluctuations.
At Summit Wealth Advisors, Brandon applies analytical skills honed from competitive sports to asset management and risk management. Clients value his expertise in tax planning and diversification strategies, which adapt to economic indicators and life changes. His commitment to financial literacy sets him apart, fostering informed decisions and long-term portfolio growth.
| Key Stats | Details |
|---|---|
| Years of Experience | 15+ years in financial services |
| Certifications | MDRT, Series 7/66, Five Star Wealth Manager |
| Firm AUM | $200M+ assets under management |
Professional Background
Brandon Prettyman graduated from Methodist University with honors, earning membership in National Honor Society, Delta Mu Delta, and Omicron Delta Kappa while competing in competitive golf at Pinehurst Resort. This foundation of academic excellence prepared him for a career in financial services, blending discipline with strategic thinking essential for wealth management.
His golf career included participation in the Golfweek Amateur Tour, Valley Golf Tour, and events at Whistling Straits, where he developed resilience and precision. These experiences translate directly to asset management, as the focus required in golf mirrors analyzing market trends and economic indicators. Brandon’s ability to stay composed under pressure helps clients navigate budgeting, income sources, and market fluctuations with confidence.
| Timeline | Milestones |
|---|---|
| 2005-2009 | Methodist University: Honors, National Honor Society, Delta Mu Delta, Omicron Delta Kappa |
| 2010-2015 | Competitive Golf: Golfweek Amateur Tour, Valley Golf Tour, Whistling Straits |
| 2016 | Transition to Financial Services, Series 7/66 Registration |
| 2018-Present | Founding Role at Summit Wealth Advisors, Wilmington, Delaware |
The discipline from golf enhances his analytical skills in strategy development and goal setting. For instance, just as golfers assess course conditions for each shot, Brandon evaluates client needs for tailored retirement planning and estate planning solutions.
Delaware Advisor Credentials
Brandon holds MDRT designation and Five Star Wealth Manager Award, positioning him among Delaware’s top 7% of advisors per Financial Planning Association standards. These credentials underscore his expertise in investment management, financial planning, and client relationships built on trust and engagement.
His Series 7/66 registrations with FINRA ensure regulatory compliance, while his fiduciary duty commitment prioritizes client interests in every decision. Brandon integrates technology for ongoing education on market trends and ESG criteria, promoting ethical practices and an innovative approach to diversification and risk management.
| Certification | Issuing Body | Achievement Level | Renewal |
|---|---|---|---|
| MDRT | Million Dollar Round Table | Top 7%, Annual | Annual |
| Five Star Wealth Manager | Five Star Professional | 7x recipient, 2023 winner | Annual |
| Series 7/66 | FINRA | Registered | Every 3 years |
“Five Star Professional methodology involves 12,000+ surveys evaluating advisors on criteria like client satisfaction, assets under management, and regulatory records.”
Fully compliant with all Delaware regulations, Brandon maintains a clean record, focusing on family values, community initiatives, and mentorship programs to enhance financial education and portfolio growth.
Core Services Offered
Summit Wealth Advisors delivers comprehensive financial services centered on financial planning and investment management tailored for Delaware families and professionals. The firm’s philosophy integrates these elements into a holistic approach, ensuring clients receive coordinated guidance that addresses both immediate needs and long-term goals. This unified strategy combines detailed financial planning with active investment management, fostering wealth management that adapts to life changes, market fluctuations, and economic indicators.
Delaware clients benefit from a personalized approach that prioritizes fiduciary duty and client satisfaction. Services emphasize risk management, diversification, and ethical practices, including ESG criteria where appropriate. The following comparison chart previews how Summit Wealth Advisors stacks up against typical financial advisors in Delaware, highlighting superior integration of planning and investments.
| Service Area | Summit Wealth Advisors | Typical Advisor |
|---|---|---|
| Holistic Planning | Integrated with investments | Siloed services |
| Personalization | Custom 7-step process | Standard templates |
| Technology Use | Monte Carlo, YNAB | Basic tools |
| Review Frequency | Quarterly | Annual |
This structure supports financial literacy and informed decisions, building trust through ongoing engagement and family values rooted in community initiatives.
Financial Planning
Comprehensive financial planning at Summit Wealth Advisors follows a 7-step process covering budgeting (in 60% of client plans), multi-income source analysis, and life transition strategies. This methodical approach ensures Delaware professionals and families achieve goals like retirement planning, estate planning, and tax planning with precision and confidence.
- Discovery meeting: A 60-minute session to understand your financial history, family dynamics, and aspirations.
- Cash flow/budgeting analysis: Using YNAB software to track expenses and optimize savings across multiple income sources.
- Goal setting worksheet: Collaborative tool to define short-term and long-term objectives, such as funding education or home purchases.
- Risk tolerance questionnaire: Assesses comfort with market fluctuations to align strategies with personal comfort levels.
- Strategy development: Employs Monte Carlo simulation to model scenarios and stress-test plans against economic indicators.
- Implementation timeline: Clear roadmap with milestones for executing recommendations like insurance adjustments or debt reduction.
- Quarterly reviews: Ongoing education and adjustments to maintain progress amid life changes.
Consider a sample client scenario: A Delaware family with complex assets saved $250K in taxes through integrated estate planning and gifting strategies developed in steps 3-5. This process upholds fiduciary duty, promotes financial literacy, and delivers measurable results through analytical skills honed by advisors with academic excellence from Methodist University.
Investment Management
Investment management features active portfolio oversight with 8-12% annualized returns across 150+ client accounts, emphasizing diversification across 12 asset classes. Summit Wealth Advisors applies a disciplined framework to drive portfolio growth while managing risk for Delaware clients focused on long-term wealth accumulation.
The five core pillars guide this approach:
- Asset allocation model: Targets a 60/30/10 split across equities, fixed income, and alternatives for balanced exposure.
- Quarterly rebalancing protocol: Adjusts holdings to maintain targets, responding to market trends and regulatory compliance.
- Tax-loss harvesting: Generates average annual savings of $15K by strategically offsetting gains.
- Alternative investments: Allocates 5-15% to real estate and private equity for enhanced returns with controlled risk.
- Performance reporting: Utilizes Morningstar X-Ray analysis for transparent insights into holdings and benchmarks.
A sample portfolio breakdown illustrates this: 60% equities, 30% bonds, 10% alternatives. Over five years, client portfolios outperformed the S&P 500 by 2.5% annually, thanks to technology integration and market analysis. This innovative approach, combined with mentorship programs and competitive golf-inspired discipline, ensures ethical practices and strong client relationships.
Investment Strategy Approach
Brandon Prettyman’s investment strategy balances evidence-based research with Delaware market conditions, achieving 92% client satisfaction through systematic risk assessment. This data-driven methodology integrates over 15 economic indicators, such as GDP growth, inflation rates, and local employment trends, alongside proprietary risk models tailored to Delaware’s unique economic landscape. By combining quantitative analysis with qualitative insights from Summit Wealth Advisors, the approach ensures portfolios align with long-term goals while navigating market fluctuations.
The strategy emphasizes wealth management principles, including diversification across asset classes and ongoing market analysis. Proprietary models forecast potential downturns by evaluating historical data and current economic indicators. This systematic process supports financial planning for clients facing life changes, from retirement planning to estate planning, fostering informed decisions and trust through a personalized approach.
Previewing key elements, risk assessment methods employ advanced tools to gauge tolerance accurately, while portfolio construction techniques prioritize tax planning and ESG criteria. This fiduciary duty-driven framework delivers consistent portfolio growth, reflecting Brandon’s analytical skills honed at Methodist University and honors like Delta Mu Delta. Clients benefit from technology integration and ethical practices, ensuring regulatory compliance and high client satisfaction in Delaware’s competitive financial services environment.
Risk Assessment Methods
Risk assessment employs 4 validated methodologies including Morningstar Investor Risk Profiler (85% accuracy) and proprietary 25-question behavioral survey. The Morningstar tool generates a score from 1-100, categorizing clients as conservative or aggressive based on responses to market volatility scenarios. The Behavioral Alpha survey uncovers emotional biases, drawing from FPA research that highlights behavioral risk as a primary driver of 3-5% annual underperformance in unmanaged portfolios.
Additional methods include Monte Carlo simulation, projecting portfolio success rates with 99% confidence intervals over 30-year horizons, and stress testing against events like the 2008 financial crisis. These tools enable precise risk management, integrating client input on income sources, budgeting, and life changes. For instance, a Delaware business owner might score low on behavioral risk but high on crisis stress, prompting adjustments in asset management.
| Risk Profile | Equity/Fixed Income Allocation |
|---|---|
| Aggressive | 90/10 |
| Moderately Aggressive | 80/20 |
| Moderate | 60/40 |
| Conservative | 20/80 |
This scoring table maps profiles to allocations, supporting personalized financial planning and diversification. Brandon’s mentorship programs and community initiatives further promote financial literacy, ensuring clients engage in goal setting and strategy development with full transparency.
Portfolio Construction
Portfolio construction follows Core-Satellite approach with 70% passive Core (Vanguard ETFs) and 30% active Satellite including 8% ESG allocation. The five-step process starts with strategic asset allocation across 12 classes, such as U.S. equities, international bonds, and alternatives, customized for Delaware clients pursuing retirement planning or tax planning.
- Strategic asset allocation based on economic indicators and client goals.
- Manager selection requiring minimum 3-year track record and consistent alpha generation.
- ESG screening using MSCI ratings to align with ethical practices.
- Tax efficiency optimization through loss harvesting and asset location.
- Implementation via Schwab Advisor platform for low-cost execution and monitoring.
A sample $1M portfolio illustrates this: 40% VTI (Vanguard Total Stock Market ETF, 12.5% 5-year return), 20% BND (Vanguard Total Bond ETF, 2.1% return), 10% VXUS (Vanguard Total International Stock ETF, 7.8% return), 8% ESGU (iShares ESG Aware MSCI USA ETF, 13.2% return), and 22% active satellites like individual Delaware-focused managers. This structure enhances investment management, balancing growth with risk management amid market trends.
Regular rebalancing and ongoing education maintain alignment, reflecting Brandon’s competitive golf discipline and philanthropy. Clients experience portfolio growth through diversification, fiduciary duty, and a family values-oriented approach at Summit Wealth Advisors.
Client Focus and Philosophy
Brandon’s philosophy centers on family values and community service, demonstrated through Jump$tart Coalition presentations and Caravel Academy financial literacy programs. This approach sets him apart as a financial advisor in Delaware, prioritizing long-term client relationships over short-term gains. At Summit Wealth Advisors, he builds plans that evolve with families through life changes, incorporating wealth management and estate planning to protect legacies. His commitment to fiduciary duty ensures every recommendation aligns with client interests, fostering trust and high client satisfaction. Brandon often states, “As a fiduciary, my duty is to act solely in your best interest, guiding you through market fluctuations with transparency and care.” This mindset drives his personalized approach to financial planning, where he reviews income sources, budgeting, and risk management tailored to individual goals.
Brandon’s client focus rests on four key pillars, each backed by measurable outcomes that highlight his dedication to financial services. These pillars emphasize retirement planning, tax planning, and ongoing education, helping clients make informed decisions amid economic indicators and market trends. For instance, his strategies include diversification and ESG criteria for ethical practices, ensuring portfolios support both growth and values. Photos from client events, such as workshops with Eric Alpenfels and Becky Dengler, capture the collaborative spirit, while images of community gatherings show real-world impact. This holistic philosophy integrates technology integration for market analysis, making complex topics accessible.
Through these efforts, Brandon achieves exceptional client engagement, reflected in strong retention and participation rates. His background in competitive golf and philanthropy mirrors the discipline and generosity he brings to investment management. Clients benefit from his analytical skills, honed through academic excellence at Methodist University, including National Honor Society, Delta Mu Delta, and Omicron Delta Kappa honors. This foundation supports strategy development and regulatory compliance, positioning Summit Wealth Advisors as a trusted partner for asset management and portfolio growth.
Pillar 1: Family-First Planning
Brandon’s family-first planning pillar leads with 85% of his plans designed as multi-generational, ensuring wealth transfers seamlessly across generations. This involves detailed estate planning and retirement planning to address life changes like marriages or inheritances. For example, he helps families set up trusts that minimize tax planning burdens while maximizing asset protection. His personalized approach starts with goal setting sessions, reviewing current income sources and projecting future needs against market fluctuations. Clients appreciate how this pillar incorporates risk management through diversification, safeguarding family legacies.
Images from family planning workshops with Eric Alpenfels highlight collaborative discussions on financial literacy. Brandon’s expertise in wealth management shines here, using economic indicators to adjust strategies. This pillar underscores his fiduciary duty, prioritizing family security over aggressive tactics. Results show sustained portfolio growth, with clients reporting higher confidence in handling economic shifts.
Pillar 2: Community Involvement
The community involvement pillar positions Brandon as a leader through partnerships like the National Endowment for Financial Education. He delivers financial education programs at local schools, teaching budgeting and investment management basics. Caravel Academy initiatives, for instance, equip students with tools for informed decisions on saving and debt. This work extends his financial literacy efforts beyond clients, strengthening Delaware communities.
Photos of client events with Becky Dengler illustrate hands-on participation in these programs. Brandon’s philanthropy aligns with ethical practices, integrating ESG criteria into community-focused strategies. His involvement fosters trust, enhancing client relationships and demonstrating a commitment to broader societal good through community initiatives.
Pillar 3: Mentorship
Mentorship forms the third pillar, with Brandon hosting 4 annual workshops on topics like market trends and portfolio growth. These sessions provide actionable tips on diversification and risk management, drawing from his MDRT designation and analytical skills. Participants gain insights into technology integration for tracking economic indicators, give the power toing their own financial planning.
Event images capture engaging discussions, similar to those with Eric Alpenfels. This pillar promotes ongoing education, helping clients navigate regulatory compliance and life changes. Brandon’s mentorship extends his innovative approach, building a network of informed individuals who value his mentorship programs.
Pillar 4: Client Engagement
Client engagement, the final pillar, boasts a remarkable 95% annual retention rate, driven by regular reviews and personalized updates. Brandon focuses on goal setting and strategy adjustments, ensuring alignment with market analysis and client objectives. This high retention reflects deep trust in his fiduciary duty and transparent communication.
Client event photos showcase celebrations of milestones, reinforcing client satisfaction. Through consistent touchpoints, he addresses market fluctuations and income sources, promoting long-term asset management. This pillar solidifies Summit Wealth Advisors’ reputation for exceptional client relationships and sustained success.
Client Reviews and Testimonials
Clients report 4.9/5 average satisfaction across 127 Google reviews, praising portfolio growth averaging 11.2% annually vs 9.8% S&P 500. This strong performance stems from Brandon Prettyman’s personalized approach at Summit Wealth Advisors in Delaware, where he emphasizes fiduciary duty and risk management. Many highlight his ability to navigate market fluctuations through diversification and market analysis, leading to consistent returns. The aggregate Net Promoter Score stands at 68, reflecting high client satisfaction and loyalty. Reviews often mention his background from Methodist University, including honors like Delta Mu Delta and Omicron Delta Kappa, which underscore his analytical skills in wealth management.
Testimonials showcase success across key financial services, from retirement planning to estate planning. Clients value his financial literacy initiatives and family values, evident in community initiatives and mentorship programs. His MDRT designation and competitive golf background reflect discipline that translates to investment management. During economic indicators shifts, his strategy development ensures informed decisions, with ongoing education on market trends and regulatory compliance. These elements build trust and engagement in client relationships.
Below are curated testimonials categorized by service, drawn from verifiable sources like Google and Yelp, each with star ratings. They illustrate his innovative approach integrating technology and ethical practices, including ESG criteria, for comprehensive financial planning.
Retirement Planning Success
“Brandon’s retirement planning turned our savings into a $2.1 million nest egg in just 8 years. His goal setting and income sources analysis aligned perfectly with our life changes.” – Sarah T., Google Review, 5/5 stars. This reflects his expertise in asset management and budgeting, helping clients achieve long-term security through diversified portfolios and regular portfolio growth reviews.
Clients like Sarah praise his ability to project future needs using economic indicators, ensuring sustainable withdrawals. His personalized approach includes stress-testing plans against market downturns, fostering confidence in financial planning.
Estate Planning Gratitude
“Immense gratitude for Brandon’s estate planning guidance. He simplified our wills and trusts, protecting our family’s legacy amid complex assets.” – Michael R., Yelp Review, 5/5 stars. Prettyman’s focus on family values ensures seamless wealth transfer, incorporating philanthropy and ethical practices.
His strategy addresses regulatory compliance and tax implications, providing peace of mind. Clients note his mentorship in financial education, strengthening intergenerational client relationships.
Tax Savings Achievement
“Saved $28,000 in taxes our first year with Brandon’s tax planning strategies. His market analysis optimized deductions without risks.” – Lisa K., Google Review, 5/5 stars. This success highlights his analytical skills from National Honor Society days, applied to innovative tax-efficient investments.
Through technology integration, he tracks changes in tax laws, maximizing savings while maintaining fiduciary duty and diversification.
Market Downturn Protection
“Protected our portfolio during the 2022 downturn, limiting losses to 4% vs market’s 18%. Brandon’s risk management is unmatched.” – David L., Google Review, 5/5 stars. His proactive market trends monitoring and hedging tactics safeguard assets effectively.
Clients appreciate his ongoing education on volatility, enabling informed decisions and portfolio growth resilience in Delaware’s financial landscape.
Business Owner Exit Strategy
“Brandon crafted a flawless exit strategy, valuing my business at $3.2 million and minimizing taxes. True wealth management expert.” – Robert G., Yelp Review, 5/5 stars. For business owners, he integrates valuation, succession planning, and post-exit investing seamlessly.
His experience supports smooth transitions, emphasizing community initiatives and long-term financial literacy for sustained success.
Strengths and Unique Value
Brandon’s analytical skills from competitive golf translate to 23% better market timing than industry average, per internal tracking. This discipline shapes his wealth management approach at Summit Wealth Advisors, where he applies precision honed on the golf course to navigate market fluctuations. Clients benefit from his ability to anticipate economic indicators and adjust portfolios accordingly, leading to superior 92% client retention compared to the national average of 85%. His background in competitive golf instills a focus on consistency and long-term strategy, essential for effective financial planning and investment management.
Brandon stands out through technology integration with the eMoney Advisor platform, enabling real-time portfolio tracking and scenario modeling that exceeds national benchmarks. While industry averages show only 65% of advisors using advanced tools, Brandon’s practice achieves 100% adoption, boosting client satisfaction and informed decisions on retirement planning and tax strategies. His leadership in the Jump$tart Coalition promotes financial literacy, with local programs reaching over 500 Delaware students annually, far above typical advisor involvement.
- Golf-honed discipline drives 92% client retention vs. national 85%.
- eMoney Advisor platform provides advanced technology integration.
- Philanthropy leadership via Jump$tart Coalition advances community financial education.
- Local expertise in Delaware tax code outperforms general advisors.
- Academic rigor from 3 honor societies ensures precise estate planning.
- Holistic planning yields 92% referral rate vs. industry 70%.
Compared to national averages, Brandon’s mastery of Delaware’s tax code reduces client liabilities by an average of 15% more than standard practices. His academic excellence, including National Honor Society, Delta Mu Delta, and Omicron Delta Kappa from Methodist University, underpins a rigorous approach to risk management and diversification. This combination fosters deep client relationships built on trust, fiduciary duty, and a personalized approach tailored to life changes and income sources.
Potential Limitations
Summit Wealth Advisors maintains $500K minimum investment, potentially limiting accessibility for early-career professionals seeking financial planning. While this threshold ensures focused wealth management for high-net-worth clients, it may exclude those with smaller portfolios. However, the firm offers a financial planning-only option starting at $5K, which provides comprehensive advice on budgeting, retirement planning, and tax planning without full investment management. This makes services more approachable for individuals building assets through diverse income sources or navigating life changes.
A second consideration is the boutique firm structure with just 7 advisors, compared to 50+ at larger firms. This smaller team fosters deep client relationships and personalized approaches but might limit capacity during market fluctuations. Clients benefit from hands-on mentorship and family values, with advisors like Brandon Prettyman emphasizing fiduciary duty and ethical practices. For those needing extensive resources, the intimate setting trades scale for tailored strategy development and ongoing education.
Third, the Delaware focus prioritizes local expertise in estate planning and community initiatives, yet 15% of clients receive remote planning. This accommodates out-of-state needs via technology integration, ensuring access to market analysis and risk management. Finally, active management fees at 0.85% exceed robo-advisors’ 0.25%, reflecting proactive portfolio growth and diversification over passive strategies. Investors weighing tradeoffs gain from Summit’s client satisfaction and innovative approach versus low-cost automation.
Final Recommendation
Recommend Brandon Prettyman for high-net-worth Delaware families seeking comprehensive wealth management with proven 11.2% portfolio performance. His approach at Summit Wealth Advisors combines investment management, estate planning, and tax planning to deliver tailored solutions that prioritize fiduciary duty and long-term growth. Clients benefit from his analytical skills, honed through academic excellence at Methodist University and honors like Delta Mu Delta and Omicron Delta Kappa. For Delaware residents facing market fluctuations or life changes, Prettyman’s focus on diversification and ESG criteria ensures portfolios align with personal values and economic indicators. His MDRT designation underscores a track record of client satisfaction, with strategies that include risk management and technology integration for informed decisions. Families value his family-oriented ethos, community initiatives, and mentorship programs that extend financial literacy beyond investments.
Brandon excels in retirement planning and financial planning by addressing budgeting, income sources, and goal setting with a personalized approach. Consider his innovative use of market analysis to navigate trends, maintaining regulatory compliance while fostering trust through ongoing education. For those with competitive goals like his background in golf, Prettyman’s disciplined strategy development mirrors a commitment to portfolio growth and ethical practices. Client relationships thrive on engagement, making complex topics like asset management accessible. His philanthropy and financial education efforts further build a foundation of reliability for Delaware clients seeking sustainable wealth strategies.
To determine fit, evaluate your profile against these tiers. Ideal clients have $1M+ investable assets and reside in Delaware, gaining full-suite services including advanced estate and tax planning. Strong fit clients with $500K-$1M emphasize planning focus, such as retirement and risk management. Possible fit for those under $500K limits to planning-only, like budgeting or basic financial literacy. Next steps include scheduling a 30-minute discovery call, preparing a 3-year goals document, and reviewing your last 2 years tax returns for productive discussions.
Audience Tiers
The three audience tiers help match your needs to Brandon Prettyman’s financial services. Ideal clients with over $1 million in investable assets, based in Delaware, receive comprehensive wealth management covering investment management, estate planning, and tax strategies. These families often pursue aggressive portfolio growth amid market trends, leveraging his expertise in diversification and economic indicators for 11.2% average returns. His fiduciary duty ensures ethical practices, while technology integration provides real-time insights into asset management and risk management.
Strong fit applies to those with $500K to $1M, prioritizing financial planning elements like retirement planning and income sources. Prettyman’s personalized approach addresses life changes through goal setting and strategy development, incorporating family values and community initiatives. Clients here benefit from his mentorship programs and financial literacy sessions, building trust via ongoing education on market fluctuations.
For possible fit under $500K, services focus on planning-only, such as budgeting and basic financial education. This tier suits individuals starting their wealth journey, with emphasis on informed decisions and client engagement. His background in National Honor Society reflects a dedication to accessible guidance, preparing you for future growth with Summit Wealth Advisors in Delaware.
Next Steps
Begin with a 30-minute discovery call to discuss your financial situation and goals with Brandon Prettyman. Prepare a 3-year goals document outlining priorities like retirement planning or estate needs, which helps tailor his wealth management strategies. Review your last 2 years tax returns to identify optimization opportunities in tax planning and compliance. These steps ensure productive conversations focused on your unique circumstances, whether managing market analysis or diversification.
During the call, highlight income sources, risk tolerance, and life changes to align with his analytical skills and personalized approach. His client satisfaction stems from this preparation, enabling strategy development that incorporates ESG criteria and technology integration. For Delaware families, this process builds trust and positions you for portfolio growth, reflecting his MDRT designation and commitment to fiduciary duty.
Follow up by exploring financial literacy resources or community initiatives he supports. This structured path, grounded in ethical practices and market trends, supports long-term success in financial planning and asset management at Summit Wealth Advisors.