Dixon, Hubard, Feinour & Brown, Inc.

Dixon, Hubard, Feinour & Brown, Inc. (DHFB) is an independent investment counseling firm established in 1981 and registered with the Securities and Exchange Commission. DHFB, a wholly-owned subsidiary of Atlantic Union Bank, primarily offers discretionary investment advisory services for a fee calculated as a percentage of assets under management. The firm also provides financial planning services tailored to individual client needs, covering areas such as retirement planning, risk management, and estate planning. DHFB does not charge hourly fees, subscription fees, or commissions, except for non-clients seeking financial planning services. Clients of DHFB typically include high net worth individuals, retirement plans, trusts, estates, and charitable organizations. The firm charges an annual fee based on a percentage of assets under management, with a minimum fee of $6,000 per year. DHFB does not charge performance-based fees and does not participate in wrap fee programs. The firm's investment strategies include long-term and short-term purchases of various securities, with a focus on equity securities and fixed income securities. DHFB exercises investment discretion for client accounts, allowing clients to impose restrictions on investment types if desired. The firm conducts ongoing reviews of client accounts, with a team approach to account management. DHFB complies with SEC regulations regarding proxy voting and has policies in place to protect client information and ensure compliance with federal laws. Clients receive regular reports on their accounts and have the option to limit the sharing of their personal information for marketing purposes.