Gould Asset Management LLC is a registered investment adviser founded in 1999 and controlled by Donald P. Gould. The firm primarily offers investment management services through individually managed accounts for individuals and institutions. Gould's investment philosophy focuses on seeking good risk-adjusted returns while maintaining a long-term perspective. The firm offers a range of investment strategies, including Treasury Bills, Quality Fixed Income, Capital Preservation, Diversified Income, TargetReturn, BenchmarkPlus, Equity Index Plus, Equity Dividend Growth, RE LLCs, PE Funds, Private Markets, Master Limited Partnerships, and Global Growth & Resources. Gould may also provide opportunities for clients to invest directly in real estate and private equity through specialized investments. The firm charges asset-based fees, sub-advisory fees, hourly fees, and additional fees, with fee rates varying by investment strategy. Gould acts as a fiduciary when providing investment advice for retirement accounts, ensuring that client interests are prioritized. The firm exercises investment discretion for client assets, holding them in third-party custodial accounts. Gould has not had any legal or disciplinary events and provides ongoing disclosure of material changes to clients. The firm's personnel hold professional designations such as CFA and CFP. For more information, clients can contact Gould at (909) 445-1291 or [email protected].

Financial Designs Corporation is a registered investment adviser based in Claremont, California, offering portfolio management services through the Financial Designs Wrap Fee Program. Established as a corporation under California law, the firm is owned by FDC Holdings Corporation, with the 2008 Pavan Family Trust as the sole shareholder. The Program provides asset management and brokerage services for an all-inclusive fee, tailored to clients' risk tolerance and investment goals. Clients grant discretionary authority to the firm for managing their accounts, allowing for investment decisions without prior consent. Accounts are held at Charles Schwab & Co., Inc., the custodian, with fees based on a tiered schedule. The firm emphasizes long-term investments but may engage in short-term trading strategies. Clients are advised on mutual funds and ETFs primarily, with a focus on risk management and tax considerations. Financial Designs Corporation prioritizes client privacy and maintains a Code of Ethics to ensure integrity and fair dealing. The firm discloses potential conflicts of interest, such as compensation from Schwab and insurance product sales, and provides transparency on its cybersecurity measures and trade error policies. Clients are encouraged to consult tax professionals and review all disclosures before making investment decisions.