Halbert Hargrove Global Advisors, LLC is an SEC registered investment adviser established on October 13, 1988. The firm specializes in providing investment management, wealth advisory, financial planning, and consulting services. They manage over $2.7 billion in assets, with a focus on discretionary asset management. Clients can engage the firm for wealth advisory and financial planning services, consulting services, and investment management services. HH primarily allocates client assets among Independent Managers, mutual funds, ETFs, structured products, and individual securities. The firm may recommend investments in tender offer funds and privately placed securities for accredited investors. HH tailors its advisory services to individual client needs, developing investment policy statements based on client goals and risk tolerance. The firm's investment philosophy is centered on integrating money and life, with a focus on long-term strategic investing. HH utilizes qualitative and quantitative research for investment evaluations and has a disciplined approach to portfolio construction. Clients are advised on risks associated with mutual funds, ETFs, interval funds, and tender offer funds. HH acts as a fiduciary, providing investment discretion and voting client securities in the best interests of clients. The firm participates in referral programs with Fidelity and Schwab, receiving referrals and paying fees based on assets under management. HH has a Proxy Voting Committee responsible for voting client proxies in alignment with its Proxy Voting Policies and Procedures. The firm does not have any financial disclosures that may impair its ability to meet commitments to clients. For more information, visit www.halberthargrove.com.

Goldman Lancaster, Inc., a financial advisor firm, was established in February 1994, with Bradley R. Lancaster serving as Principal & Investment Advisor since that time. Mr. Lancaster holds a Bachelor of Arts in Economics and a Master of Arts in Economics from California State University, Long Beach. He is a Certified Financial Planner (CFP®) and has passed various financial exams, including Series 6, 7, 24, and 63. As a CFP® professional, Mr. Lancaster is held to a fiduciary standard of care, ensuring that he acts in the best interests of his clients. He has no disclosed disciplinary information and is registered with LPL Financial, LLC, allowing him to offer securities and insurance products. Mr. Lancaster's compensation includes a salary and commissions from Goldman Lancaster, Inc., with no additional compensation received. His activities are supervised by Glenn Goldman, the Chief Compliance Officer of the firm, to ensure compliance with their Code of Ethics. Clients seeking financial advice from Goldman Lancaster, Inc. can benefit from Mr. Lancaster's expertise, experience, and commitment to providing services in their best interests.

Lederer & Associates Investment Counsel is a Registered Investment Adviser founded in 1986, offering investment supervisory services tailored to individual client needs. The firm is wholly owned by Richard Lederer and manages equity, fixed-income, and balanced portfolios separately. As of November 30, 2024, the firm had $242,779,116 of assets under management, all managed on a discretionary basis. For fees, Lederer & Associates charges a tiered structure based on assets under management, with fees payable quarterly in advance. Minimum annual fees may apply to portfolios under $500,000, and fees are pro-rated for new accounts and large deposits/withdrawals. The firm does not charge performance-based fees. Clients include individuals, trusts, estates, foundations, and various entities, with a typical minimum asset requirement of $500,000. The firm utilizes qualitative and quantitative analysis for investment decisions, focusing on quality, growth, and value factors. Investment strategies include Growth, Equity Income, and a blended approach, with a disciplined approach to portfolio management. Lederer & Associates acts as a fiduciary when providing investment advice, placing client interests first. The firm does not engage in soft dollar arrangements and does not receive compensation for client referrals. Clients have the option to direct brokerage practices and have discretion over asset class selections. The firm provides regular account reviews and reports to clients.

Kensington Investment Counsel, LLC is a Registered Investment Adviser founded in 1994 by Richard G. Wimbish. The firm specializes in providing investment advisory services to trusts, corporations, corporate and public employee organizations. Kensington manages client accounts on a discretionary basis, structuring portfolios to maximize performance based on established investment objectives. The firm does not engage in dealing securities and does not participate in a wrap fee program. As of December 31, 2022, Kensington manages $174,278,513 on a discretionary basis. Clients are charged fees based on managed assets, with rates varying depending on the type of portfolio. The firm does not charge performance-based fees and serves various types of clients, including individuals, trusts, retirement accounts, and nonprofits. Kensington uses fundamental and technical analysis to manage equity and fixed income portfolios, offering strategies such as Large Cap Core, Persistent Dividend, Mid Cap, and Equity Income. The firm emphasizes a long-term investment approach, avoiding market timing. Kensington's brokerage practices prioritize best execution for client transactions, and the firm may recommend establishing brokerage accounts with Charles Schwab & Co. for custody and trading services. Clients have the option to vote their proxies or delegate voting to Kensington, with the firm committed to voting in the best interests of clients.