Kirtland Financial Management, Inc.

Kirtland Financial Management is a registered investment adviser firm based in Coral Gables, Florida, established in 1999. The firm specializes in providing financial planning and investment counsel to high-net-worth individuals, families, charitable organizations, and pension and profit-sharing plans. The President and Chief Compliance Officer, Brett C. Hixon, leads the firm and has a Bachelor of Arts in Economics from Columbia University and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. Kirtland Financial Management requires a minimum initial investment of $500,000 to open a managed account, which may be negotiable. The firm charges financial planning services at $250 per hour and investment advisory fees based on an asset-based fee arrangement, ranging from 0.70% to 1.00% annually depending on the account balance. Clients may authorize the firm to debit fees directly from their accounts. The firm acts as a fiduciary, meaning it is required to act in the best interests of its clients. Kirtland Financial Management does not engage in performance-based fees, receives no soft dollar benefits, and does not vote proxies on behalf of clients. The firm does not have any disciplinary disclosures or financial commitments that impair its ability to meet client obligations. Brett C. Hixon, the firm's supervisor, is responsible for overseeing the advisory activities and managing the team of supervised persons. Clients are encouraged to carefully review all disclosures and understand potential conflicts of interest related to insurance and securities transactions.