Bernzott Capital Advisors is an independent investment advisory firm established in 1994 and registered with the SEC. The firm specializes in providing discretionary portfolio management services to a mutual fund, separate account clients, and Unified Managed Accounts (UMA). They offer services to institutional and private clients, including sub-adviser services. Bernzott Capital Advisors is a fee-only firm, compensated by a percentage of assets under management. Fees vary based on the type of client and investment strategy. The firm does not charge performance-based fees. Clients have investment discretion, allowing the advisor to make and implement investment decisions without prior consultation. Bernzott Capital Advisors follows a bottom-up investment approach with a value orientation, focusing on constructing concentrated portfolios of researched companies purchased at appropriate prices. The firm's investment strategies include US Small Cap Value, US All Cap Value, and Customized Multi Asset Class portfolios. Clients receive regular reports and updates on performance and holdings. The firm does not have any disciplinary actions, compensates employees based on assets under management, and does not impose a minimum annual fee. Bernzott Capital Advisors maintains custody of client assets through a qualified independent custodian and provides investment advice on a discretionary basis. Clients can revoke investment authority at any time. The firm votes proxies for supervised securities based on client interests and maintains financial stability without any impairments.

Summit Wealth Management Group, Inc., located in Camarillo, CA, offers the Summit Wealth Wrap Program, managed by Christina Zins, the Chief Compliance Officer. Established in July 2024, the firm provides individualized investment advisory services through their Strategic Wealth Management Account Platform. Clients pay an annual fee of up to 2.0% of assets, payable quarterly, for continuous account supervision and tailored investment strategies. The firm emphasizes long-term purchases and uses technical analysis to formulate investment advice. Clients must have a minimum account size of $500,000, which may be waived. Summit Wealth does not charge performance fees and does not accept proxy authority to vote client securities. The firm's investment adviser representatives may receive commissions, creating a potential conflict of interest, but always prioritize clients' interests. Summit Wealth is a fiduciary, committed to acting in clients' best interests and providing full disclosure. The firm does not pay referral fees and has no financial conditions impairing its obligations to clients. Clients are encouraged to review the firm's Code of Ethics for further information.