Goldstein Munger + Associates

Goldstein Munger + Associates is a California corporation providing investment management and financial consulting services since its establishment in 1995 by Richard M. Goldstein and Robert G. Munger. The firm offers services such as financial goal setting, risk assessment, strategic asset allocation, and securities selection. Clients' portfolios are continuously supervised, and asset allocations are periodically reviewed based on individual financial circumstances and objectives. The firm's investment strategy includes a mix of low-cost mutual funds, exchange-traded index funds, and occasionally individual securities. GM+A is a fiduciary for retirement accounts, acting in clients' best interests under ERISA and the Internal Revenue Code. The firm charges investment management fees based on a percentage of assets under management, with a minimum annual fee of $15,000. Clients may choose between two fee structures or opt for hourly consulting services. GM+A does not pay referral fees and recommends clients custody their assets with Charles Schwab & Co., Inc. The firm has no disciplinary history and conducts proxy voting for client securities. Clients have the option to vote proxies themselves. GM+A does not maintain physical custody of client assets and provides quarterly performance reports and account reviews.