Aull & Monroe Investment Management Corporation, established in 1990 in Mobile, Alabama, is an SEC-registered investment adviser specializing in creating and managing custom portfolios for clients. Acting as a fiduciary under the Investment Advisers Act of 1940, the firm provides continuous investment management services tailored to individual needs. With over $323,867,936 in discretionary assets under management as of December 31, 2022, Aull & Monroe's investment philosophy focuses on a conservative, long-term approach with a balanced portfolio of high-quality stocks, investment-grade bonds, and cash reserves. The firm's fee structure is based on a percentage of assets under management, with management fees computed quarterly. Clients are required to have a minimum investment of $100,000, with exceptions made for certain plans. Aull & Monroe exercises investment discretion, managing portfolios without specific client consent for each transaction. The firm reviews accounts monthly, provides quarterly reports, and offers retirement plan advisory services as a Section 3(38) fiduciary. Clients can expect personalized investment strategies, risk management, and adherence to a code of ethics focused on client interests. Aull & Monroe does not charge performance-based fees and typically uses Charles Schwab & Co., Inc. as the custodian for client assets. Clients are encouraged to review account statements and promptly address any discrepancies.

Wilkins Miller Wealth Management, LLC is an investment advisory firm established in November 2008 and registered in September 2012. The firm offers asset management services, financial planning, and retirement plan consulting. Asset management services include personalized investment strategies based on client goals, time horizon, and risk tolerance. The firm primarily allocates client assets among ETFs and mutual funds, with the option to include individual stocks, bonds, and other securities. Clients can grant discretionary authority to manage their accounts, with continuous monitoring and rebalancing. Financial planning services involve analyzing various financial aspects, such as tax, retirement, investments, and estate planning. Retirement plan consulting services are offered to employee benefit plans to assist in meeting fiduciary obligations under ERISA. For asset management services, fees are based on a tiered structure ranging from 0.75% to 1.50% of the account size. Advisory fees are collected directly from client accounts, and transaction fees may apply. The firm does not charge performance-based fees. Clients are primarily individuals, high net worth individuals, and retirement plans. The firm requires a minimum account size of $100,000, but exceptions may be made. Investment strategies are based on Modern Portfolio Theory, emphasizing diversification. Risks associated with investments include interest rate, market, inflation, and currency risks. The firm does not have any disciplinary information and does not compensate for client referrals. Clients receive quarterly statements from the custodian, and the firm does not vote client securities. Financial stability is maintained, and the firm does not engage in class action lawsuits on behalf of clients.