Diligent Investors, LLC, located in Redlands, CA, offers wrap fee programs tailored to individual client needs, providing investment advisory services based on clients' financial goals and risk tolerance. The firm's comprehensive portfolio management service includes financial planning and asset management, with investments in various securities such as exchange traded funds, mutual funds, and individual stocks or bonds. Diligent Investors charges fees based on a percentage of assets under management, with rates ranging from 1.50% for assets up to $1,000,000 to negotiable fees for amounts over $5,000,000. The firm bills fees quarterly in advance and may adjust for deposits and withdrawals. Clients may place reasonable restrictions on their investment portfolios, and the firm does not charge performance-based fees. Diligent Investors acts as a fiduciary, committed to providing full disclosure and acting in the best interests of clients. The firm reviews client accounts quarterly and provides regular performance reports. Diligent Investors does not accept proxy authority to vote client securities and does not provide cash or non-cash compensation for client referrals. The firm's financial advisors are registered representatives of M. S Howell & Co., and the firm has no disciplinary information to disclose. Diligent Investors does not take custody of client funds or securities and has no financial condition impairing its ability to meet obligations.

Investment Counselors of Redlands LLC is a Registered Investment Adviser founded by Mr. James Heine in September 2005, with assets under management totaling $93,451,260 as of December 31, 2024. The firm offers investment management services to individuals, families, trusts, charitable organizations, and businesses. Services include asset allocation, investment selection, and retirement projections. Investment recommendations primarily focus on mutual funds, closed-end funds, and ETFs, with additional options based on client needs. ICR acts as a fiduciary for retirement plans, ensuring the best interests of clients. The firm charges an annual advisory fee of 1.25% on assets under management, payable quarterly in arrears. Clients are required to maintain a minimum account size of $100,000, which may be waived based on specific criteria. ICR exercises full investment discretion for client accounts, with no performance-based fees. The firm does not sponsor wrap fee programs and does not accept compensation for the sale of securities. Clients receive regular account reviews and performance reports. The firm's principals, James Heine and James Cobb, have no disciplinary history and hold professional designations such as Accredited Investment Fiduciary and CERTIFIED FINANCIAL PLANNER™ professional. They are committed to maintaining the highest ethical standards and confidentiality of client information.

Roy E. Bennett is an Advisory Associate at Smart Investments Advisory Incorporated, with a business background that includes roles at The Seidler Companies, Inc. and Morgan Stanley Dean Witter Inc. Mr. Bennett has no reported disciplinary events. He is also a Registered Representative of Western International Securities Inc., conducting general securities business, which accounts for approximately 75% of his time. Mr. Bennett holds a California insurance license and offers insurance products. He does not engage in any other material businesses and does not receive economic benefits related to investment management from third parties. Smart Investments Advisory Incorporated supervises its Investment Advisor Representatives to ensure fiduciary obligations are met, with oversight on activities such as personal trading and client portfolio transactions. Barrick Smart serves as the Chief Executive Officer and supervisor. Mr. Bennett has no events to disclose as a State-Registered Advisor. Clients can contact Barrick Smart for further information or questions at 909-335-8565.