Cloud Investments, LLC

Cloud Investments, LLC, established in 2015 and registered with the SEC in February 2018, offers investment advisory services specializing in employee benefits, retirement, and cash flow planning. The firm provides asset management services with discretionary authority, tailored to individual client goals and risk tolerance. Cloud Investments also serves as a limited scope ERISA 3(21) fiduciary for qualified retirement plans. The firm charges tiered asset management fees ranging from 1.35% to 1.80% based on total assets under management. Clients have the option to impose restrictions on investments. Cloud Investments uses fundamental analysis for security selection, focusing on factors determining a company's value and future earnings. The firm does not require a minimum account size. Don P. Cloud, the managing member, is also a licensed insurance agent and receives passive income from rental properties. Clients are urged to compare custodian account statements with Cloud Investments' performance reports. Don Cloud is supervised by Scott Montes, the Chief Compliance Officer. Cloud Investments does not receive external compensation for the sale of securities to clients and does not vote proxies on client securities.