Herrmann & Cooke Wealth Management is an SEC-registered investment adviser located in Danville, California. The firm, established in 1986, offers financial planning, investment services, portfolio evaluation, and pension consulting services. Financial planning services include comprehensive analysis and recommendations tailored to clients' financial goals. Investment services encompass managed account services, outside account services, and the Edelman Managed Asset Program® (EMAP). The firm's investment strategies focus on long-term purchases, short-term purchases, and asset allocation. Clients have the option to grant discretionary authority for account management. Herrmann & Cooke does not vote proxies on behalf of clients and does not engage in principal transactions. The firm does not require prepayment of fees exceeding $1200 or have any financial conditions that may impair its ability to meet contractual obligations. Clients are advised to carefully review custodial statements and are responsible for directing proxy voting and making elections related to their investment assets. The firm does not engage in solicitation or accept compensation for client referrals.

Andrews, Lucia Wealth Management LLC (ALWM) is a registered investment advisor established in 2004, managing over $496 million on a discretionary basis as of December 31, 2024. The firm specializes in managing investment portfolios for individuals, retirement plans, trusts, and small businesses. ALWM creates custom portfolios based on client objectives and risk profiles, utilizing primarily Exchange Traded Funds (ETFs) and no-load mutual funds, with a focus on passively managed asset class and index mutual funds, particularly those offered by Dimensional Fund Advisors (DFA). ALWM offers investment management services on a discretionary basis, with clients having the option to impose reasonable restrictions on investments. The firm also provides advisory services for participant-directed retirement plans, assisting in creating investment policy statements and recommending investment options. ALWM charges annual fees based on a percentage of assets under management, with a minimum account size of $400,000 for fixed income securities portfolios. The firm does not charge performance-based fees and does not vote proxies on behalf of clients. ALWM has a Code of Ethics in place and does not compensate for client referrals. Clients receive quarterly performance reports and have access to services through Charles Schwab & Company, Inc. and Fidelity Brokerage Services, LLC. ALWM has no financial commitments impairing its ability to meet client obligations and has not been involved in bankruptcy proceedings.

Blue Investment Partners LLC is a registered investment adviser founded in July 2018 and owned by Matthew B. Dublin, CFA, and Brett Hoover. The firm specializes in providing portfolio management and financial guidance services to high net worth individuals, foundations, endowments, trusts, estates, and corporations. Blue operates on a fee-only basis, offering customized investment portfolios emphasizing cost control and risk-return management. The firm acts as a fiduciary, managing client portfolios with attention to costs and expenses, primarily using ETFs and mutual funds. Blue employs fundamental analysis, long-term investment philosophy, and prudent diversification to manage risk. The firm offers financial planning services and may recommend third-party advisers for specialized strategies. Blue manages $342,131,984 in regulatory assets under management as of December 31, 2024, on a discretionary basis. Investment management services are compensated through an asset-based fee of up to 1.50%, billed quarterly. Blue does not accept performance-based fees and generally targets clients with investable assets of at least $2 million. The firm operates with full investment discretion and does not participate in wrap fee programs. Clients' accounts are reviewed periodically, and Blue communicates with clients at least quarterly to align portfolios with their objectives. Blue recommends Charles Schwab & Co., Inc. as the custodial broker-dealer for client accounts, considering factors such as trade execution, asset custody, and competitiveness of rates. Blue maintains limited custody over client funds or securities, ensuring compliance with applicable custody rules. Clients are encouraged to proactively communicate changes in their financial situation, and account statements are sent directly by the custodial broker-dealer. Blue accepts discretionary authority to manage client securities accounts based on mutual written agreements, allowing clients to place reasonable limitations on this authority. The firm does not have authority to vote client securities, and clients receive proxies or solicitations directly from the custodial broker-dealer. Blue does not require prepayment of fees exceeding $1,200 per client six months in advance and has a sound financial condition to meet contractual commitments.