SP Asset Management LLC, established in 1995, is a California Limited Liability Company specializing in discretionary management of investment portfolios and financial planning for individuals, pension and retirement plans, trusts, and business entities. The firm's President, Sandeep Pandya, has over 25 years of experience in investment advisory services. SP Asset Management offers fully discretionary investment supervisory and portfolio management services, with approximately $1.44 billion in client assets under management as of December 31, 2021. The firm charges annual investment management fees based on a percentage of assets managed, with fees ranging from 0.25% to 1.00% depending on the asset value. Clients can engage the firm on a fee-only basis, with fees negotiable based on certain criteria. SP Asset Management does not accept performance-based fees and primarily invests in domestic and foreign equity securities, fixed income, ETFs, mutual funds, and options contracts. The firm utilizes fundamental analysis for security analysis and offers asset allocation strategies tailored to client goals. Clients have investment discretion over their accounts, with SP Asset Management providing ongoing account reviews and performance reports. The firm does not vote proxies on behalf of clients and has custody solely for fee deduction purposes. Sandeep Pandya has no disciplinary history and is responsible for supervising all advisory activities.

SP Asset Management LLC is an investment advisory firm registered with the SEC, offering discretionary management of investment portfolios and financial planning services for individuals, pension and retirement plans, trusts, and business entities. The firm was established in January 2022, succeeding Sandeep Pandya dba SP Asset Management, which operated as a registered investment adviser since 1995. Sandeep Pandya, the President and CEO, has over 29 years of experience in investment advisory services. The firm manages client assets totaling $1,710,556,000 as of December 31, 2024, with $1,281,194,310 managed on a discretionary basis. SP Asset Management charges investment management fees based on a percentage of assets under management, with fees ranging from 0.25% to 1.00% based on the asset value. Financial planning services are available on a fixed fee basis starting from $10,000, depending on the complexity of services. The firm does not accept performance-based fees and does not have any disciplinary history. SP Asset Management does not vote proxies on behalf of clients and does not handle client claims in class action lawsuits. The firm has custody of client funds for fee deduction purposes and does not require a minimum account size for new clients, but a minimum quarterly fee of $2,500 is applicable. Clients have the option to direct brokerage and are responsible for reviewing account statements provided by the custodian.

Everest Management Corp. is a registered investment advisor established in 2006 by Ramprasad Satagopan and Ranga Srinivasan. The firm specializes in providing personalized financial planning and investment advisory services to individuals, high net worth individuals, trusts, estates, and small businesses. Everest is a fee-only firm and acts as a fiduciary, upholding a duty of loyalty, fairness, and good faith towards each client. The firm's investment strategy focuses on long-term goals and objectives, utilizing a core and satellite approach with diversified mutual funds and exchange-traded funds. Clients have the option to have Everest manage their assets on a discretionary basis. Key Consumer-Facing Terms: - Minimum Relationship Size: The firm has amended its minimum relationship size. - Fee Structure: Fees for investment management services range up to 0.95% annually, with additional services billed at an hourly rate of $300 per hour. - Fiduciary Responsibility: Everest serves as a fiduciary to clients, acting in their best interests. - Investment Discretion: Everest generally has discretion over the selection and amount of securities to be bought or sold in client accounts. - Custody: Everest does not accept or maintain custody of client accounts, except for the deduction of advisory fees. - Privacy Policy: Everest is committed to safeguarding clients' personal information and does not sell or provide such information to third parties. For more detailed information, you can contact Everest Management Corp. at (408) 502-6015 or visit their website at https://everest-mgmt.com.

Vienna Asset Management LLC, based in Cupertino, California, was established in August 2018 and is solely owned by Yanjuan “Jennifer” Huang. The firm specializes in providing investment management services to separately managed account clients, tailoring investment strategies to individual goals, risk tolerance, and objectives. Clients grant Vienna Asset Management discretionary authority to execute investment transactions, with the option to impose restrictions on certain securities. The firm also offers financial planning services to high-net-worth individuals and families, covering areas such as financial goals, cash flow analysis, retirement strategies, risk management, tax reduction, and estate preservation. Vienna Asset Management charges investment advisory fees based on a percentage of assets under management, with an annual fee not exceeding 3%. The firm generally requires a minimum account size of $3 million, although lower amounts may be accepted at its discretion. Clients receive quarterly account statements from the custodian, and performance reports are available upon request. Vienna Asset Management does not vote proxies on securities and does not have any financial conditions likely to impair its ability to meet commitments to clients. The firm has not been involved in any criminal or civil actions, administrative enforcement proceedings, or bankruptcy petitions in the past ten years.