Mraz, Amerine & Associates, Inc., operating as Mraz and Associates, is an SEC registered investment adviser based in Modesto, CA, established in October 2011. The firm offers financial planning, consulting, and investment management services, with assets under management totaling approximately $784,862,351 on a discretionary basis as of February 7, 2025. Clients can engage Mraz for discretionary or non-discretionary investment management services, primarily involving mutual funds, individual securities, and variable products. The firm's investment philosophy focuses on disciplined, value-oriented strategies to achieve long-term growth aligned with client objectives and risk tolerance. For financial planning services, fees range from $1,000 to $5,000, while investment management fees are charged annually based on a tiered fee schedule, starting at 1.25% for the first $500,000. Mraz primarily uses Charles Schwab & Co., Inc. as the custodian and broker, offering a range of institutional services and support. The firm does not engage in performance-based fees, and clients include individuals, pension plans, trusts, and corporations. Mraz exercises investment discretion, allowing the firm to make decisions on behalf of clients regarding securities transactions. Clients are responsible for voting proxies, and the firm does not vote on their behalf. Mraz does not have any disciplinary disclosures or financial conditions that may impact client commitments.

Blom & Howell Financial Planning, Inc. is a registered investment adviser offering comprehensive wealth management services through a wrap fee program. The firm provides tailored portfolios of diversified assets, including stocks, bonds, mutual funds, ETFs, and REITs, based on clients' financial goals and risk tolerance. Financial planning services cover various areas such as investment, retirement, estate, charitable, education, tax planning, and more. The firm charges a maximum annual fee of 1.00% of assets under management, inclusive of brokerage and transaction charges. Clients can engage in estate planning services at a flat rate of $0 - $1,500. The firm serves individuals, high-net-worth individuals, trusts, estates, business entities, charitable organizations, and pension and profit-sharing plans with no minimum account value requirement. Blom & Howell does not recommend third-party portfolio managers and manages client accounts directly, offering both discretionary and non-discretionary services. The firm's investment strategies include long-term purchases, short-term purchases, debt securities, equity securities, ETFs, and mutual funds. Clients have the option to engage in margin transactions. The firm's IARs monitor client accounts regularly and encourage proactive client communication. Adviser does not accept performance-based fees and has no disciplinary events. Clients receive account statements directly from the custodial broker-dealer and can contact the firm's portfolio managers without restrictions.