Summa Corp.

Summa Corp. is a federally registered investment adviser established in January 2001, owned by Maria Luisa Bernaldo de Quiroz. The firm offers investment advice, supervisory services, consulting, and family office services, managing assets on both discretionary and non-discretionary bases. Summa provides tailored services and allows clients to impose restrictions in writing. The firm's advisory fees are based on a percentage of assets under management, with different rates for equity, balanced, and fixed income accounts. Summa does not charge performance-based fees or engage in side-by-side management. The firm's investment strategies focus on long-term capital preservation and positive absolute returns, utilizing fundamental analysis and diversification across various securities. Summa discloses potential investment risks, including credit, counter-party, currency, and equity risks, among others. The firm does not vote on client securities proxies and has a Business Continuity Plan in place to address potential disruptions. Summa does not receive compensation for client referrals and does not vote on client securities proxies. Clients receive quarterly statements from the custodian holding their investment assets. Summa exercises investment discretion in accordance with client objectives and limitations. Summa has no disciplinary history, financial conditions impairing client commitments, or bankruptcy proceedings.