Capital Planning Advisors, LLC is a financial advisory firm specializing in Comprehensive Portfolio Management, Financial Planning & Consulting, and Retirement Plan Management and Consulting. Established in 2014 in California, the firm offers tailored investment strategies based on clients' financial goals and risk tolerance. They provide services such as asset management, financial planning, and retirement plan management. Clients have the option to grant investment discretion to the firm, allowing them to execute securities transactions on their behalf. The firm charges fees based on a percentage of assets under management, with a maximum fee of 1.50%. Clients are encouraged to review the firm's Code of Ethics, ensuring transparency and ethical conduct. Capital Planning Advisors does not offer wrap fee programs and manages over $1.3 billion in client assets on a discretionary basis. The firm recommends Charles Schwab as a custodian and broker, providing access to a range of investment products and services. Clients receive quarterly account statements directly from the custodian. The firm does not accept proxy authority to vote client securities, and clients are responsible for directing proxy votes and other shareholder communications. For further details, clients can contact the Chief Compliance Officer.

Protection Point Advisors is a financial advisory firm based in Roseville, California. It currently has approximately $441,354,739 of assets under management and employs about 27 people. Protection Point Advisors uses a fee structure of a percentage of assets under your management, hourly charges, fixed fees and selection of other advisers fees.

Empyrion Wealth Management, Inc. is an SEC-registered investment advisor founded in 1989 and based in Roseville, California. The firm offers wealth management services, including personalized investment policy development and portfolio management based on client objectives. Clients can choose discretionary or non-discretionary account supervision, with investment recommendations covering various securities such as equities, bonds, mutual funds, and more. Empyrion also previously offered digital investing and planning services through Betterment for Advisors and eMoney Advisor, providing goal-based investment management, financial planning tools, and personalized financial and retirement plans. The firm manages $238 million in client assets on a discretionary basis as of December 31, 2022. Fees for wealth management services are tiered based on assets under management, starting at 1.15% for assets up to $1 million. Empyrion may negotiate fees based on client circumstances. The firm does not charge performance-based fees and acts as a fiduciary in clients' best interests. Empyrion uses asset allocation and passive investment strategies, emphasizing long-term purchases and risk management. Clients have the option to grant discretionary authority for trading decisions. Empyrion does not vote proxies on behalf of clients and does not require prepayment exceeding $1,200. Empyrion has no reportable disciplinary events and maintains custody of client assets through Charles Schwab or Betterment Securities.

WE Alliance Wealth Advisors Inc. is a financial advisory firm established in January 2015 by Terry Dean Wheeler, with roots dating back over 30 years. The firm offers portfolio management services tailored to individual client goals, risk tolerance, and time horizons. Investment decisions are made in accordance with fiduciary duties, ensuring fair and equitable allocation of opportunities among clients. Services include financial planning covering investment, life insurance, tax, retirement, and college planning. The firm requires a minimum account size of $500,000, which may be waived at its discretion. WE Alliance charges asset-based portfolio management fees ranging from 0.75% to 1.25%, with fees paid monthly or invoiced directly to clients. Financial planning fees range from $495 to $10,000, with hourly fees between $50 and $300. Clients may terminate agreements within five business days for a full refund. WE Alliance primarily advises individuals and high-net-worth individuals, focusing on mutual funds, fixed income securities, real estate funds, insurance products, equities, and ETFs. The firm employs fundamental analysis and modern portfolio theory, with investment strategies including long-term trading and options trading. Clients are informed of risks associated with each investment type, and the firm discloses potential conflicts of interest related to insurance, real estate, and private equity fund activities.

Staines Financial, LLC is a California-based financial advisor firm established in May 2008 and registered with the U.S. Securities and Exchange Commission since 2018. The firm specializes in managing private investment vehicles, including limited partnerships, with a focus on producing current income through opportunistic investments in hard assets. As of December 31, 2024, the firm managed approximately $166 million in regulatory assets under management across its two Funds. Staines Financial exercises discretionary authority over the Funds' investments, following specific investment guidelines outlined in the Funds' governing documents. For clients participating in the investment program through a sub-adviser, the firm offers non-discretionary investment management services. The sub-adviser obtains discretionary authority to manage client accounts and provides various investment options within a program to allocate assets at its discretion. The firm does not have investment discretion over these client accounts. Staines Financial charges a management fee of 1.75% of the capital account balance for the Funds, paid quarterly in advance. The firm does not charge performance-based fees for the Funds. Additionally, the firm does not vote proxies for the Funds and generally does not vote proxies due to the nature of the investments. Clients interested in the firm's services are encouraged to review the full brochure for detailed information on fees, investment strategies, risk factors, and other relevant terms. For further inquiries or to request the most recent version of the brochure, clients can contact Staines Financial directly.

Pinnacle Wealth Management, LLC, located in Roseville, CA, is an independent Registered Investment Adviser established in 2021. The firm offers asset management services, tailored to individual needs, with a focus on continuous account supervision and portfolio rebalancing. Additionally, they provide financial planning and consulting services covering various financial aspects. Clients have the option to place restrictions on investments within their portfolios. Pinnacle Wealth Management does not offer a wrap fee program and manages $181,677,991 in discretionary assets. For asset management, fees are charged on a tiered basis, ranging from 0.50% to 1.20% annually, billed monthly in advance. Financial planning fees are hourly or flat-based, with a maximum hourly fee of $250 and flat fees not exceeding $5,000. The firm does not charge performance-based fees and requires a minimum account balance of $100,000 for asset management services. Pinnacle Wealth Management does not have custody of client funds and does not accept proxy authority to vote client securities. The firm operates under a fiduciary duty, acting in the best interest of clients at all times.

Bulman Wealth Group (BWG) is a Registered Investment Advisor established in 2018, with ownership by The Christopher and Sarah Bulman Family Trust. The firm specializes in providing personalized investment management services, primarily on a discretionary basis. BWG may hire Sub-Advisors to manage client assets and may recommend Third Party Managers (TPMs) for client portfolios. Clients have the option to impose written restrictions on their accounts. The firm offers Estate Planning services and does not sponsor wrap fee programs. BWG primarily advises on various investments, including equity securities, ETFs, mutual funds, and more. The firm's fee schedule is negotiable, with fees deducted directly from client accounts. BWG may receive compensation for client referrals from SmartAsset and Dave Ramsey's SmartVestor™ program. The firm does not vote proxies for client securities and does not have custody of client funds. BWG does not vote proxies for client securities and does not have custody of client funds. The firm does not vote proxies for client securities and does not have custody of client funds. The firm does not vote proxies for client securities and does not have custody of client funds. The firm does not vote proxies for client securities and does not have custody of client funds.

FC360 Wealth Management, Inc., led by Louis J. Barrientos, was established in 2015. Barrientos, with over two decades of experience, holds various licenses and designations, including Series 7, Series 9, Series 10, and Series 66. He has a clean disciplinary record and is committed to high ethical standards. Barrientos is the CEO of FC360, Inc., and is involved in other business activities such as insurance sales and tax preparation through affiliated entities. While he aims to prioritize clients' interests as a fiduciary, clients should note that additional compensation from product transactions may present a conflict of interest. Barrientos does not engage in any other significant business activities for compensation. Clients can reach out to him for investment advice and services without any additional compensation charges. The firm's investment philosophy and strategies are not explicitly detailed in the brochure supplement. For more information, clients can refer to the FC360 Wealth Management, Inc. disclosure brochure or contact Louis J. Barrientos directly.