Hillcrest Financial Group, established in December 2021, is a registered investment adviser offering financial planning, consulting, and investment management services. The firm, owned by David Harrington and Dean Solomon, manages $470,750,000 in assets on a discretionary basis as of December 31, 2024. Clients engage in written agreements detailing the terms of the advisory relationship. Services include cash flow forecasting, trust and estate planning, investment consulting, insurance planning, and retirement planning. The firm primarily allocates client assets among mutual funds, ETFs, and individual securities based on stated investment objectives. Clients retain discretion over decisions and are not obligated to act on recommendations. For wealth management services, fees are based on assets under management, ranging from 1.25% to 1.00% based on portfolio value. Retirement plan consulting services are provided with fees up to 0.75% based on assets advised. Hillcrest Financial Group does not charge performance-based fees and serves individuals, trusts, estates, corporations, and other entities. Investment strategies incorporate Modern Portfolio Theory, diversification, and macroeconomic analysis. The firm discloses risks related to market volatility, interest rates, cybersecurity, and other factors. Clients receive account statements from custodians and regular account reviews from the firm's representatives. The firm has custody of client funds and securities and exercises investment discretion on behalf of clients. Hillcrest Financial Group does not vote client securities or solicit prepayment exceeding $1,200.

DRH Investments, Inc. presents Scott J. Wood as Vice President, with a Bachelor's degree in Marketing from Boston College. With a background that includes roles at Merrill Lynch and Commercial Real Estate Exchange, Mr. Wood has been with DRHI since May 2013. He also engages in coaching activities at various schools, representing less than 25% of his time. No legal or disciplinary events are associated with Mr. Wood. His compensation is tied to assets under management introduced to DRHI, potentially creating a conflict of interest. Supervised by David Hansen, President and Chief Investment Officer of DRHI, Mr. Wood's activities are overseen to ensure the provision of investment and financial advice aligns with clients' best interests. For further details, refer to DRH Investments, Inc.'s Disclosure Brochure (ADV Part 2A) or visit the SEC's website.

MFA Wealth Services, Inc. is a financial advisory firm that was formed in 2002 in California under the name Meador Financial, Inc. The firm specializes in providing personalized confidential financial planning and investment management services to clients. The major decisions of a strategic and administrative nature for the firm are undertaken by Christopher D. Mattern and Michael E. Garner. MFA Wealth Services offers continuous advice to clients regarding investment based on individual needs, managing advisory accounts on both a discretionary and non-discretionary basis. The firm's investment strategies are based on asset allocation using Modern Portfolio Theory, aiming to reduce portfolio risk while maintaining or enhancing returns. MFA Wealth Services manages a variety of model portfolios based on client risk profiles, ranging from conservative to aggressive. The firm primarily uses mutual funds, individual stocks and bonds, exchanged traded funds (ETFs), and covered options for investments

Goyette Financial Planning, Inc. dba GFP Wealth Management is a registered investment advisor specializing in personalized financial planning and portfolio management services for individuals, high net worth individuals, families, and small businesses. Established in 2005 by Stephan Goyette, CFP®, the firm offers ongoing financial planning services under a Financial Planning and Portfolio Management Services Agreement. They also provide limited financial planning engagements covering services such as cash flow analysis and portfolio management. GFP acts as a fiduciary under ERISA, ensuring services are in the client's best interest. For financial planning services, fees range from $1,500 to $20,000 for limited engagements, with an hourly rate option. Portfolio management fees are based on assets under management, starting at 0.82% annually. GFP does not charge performance-based fees and does not participate in wrap fee programs. The firm manages $168,412,260 on a discretionary basis. Clients have the option to use discount brokers like Schwab, Vanguard, or Fidelity for implementing portfolios. GFP does not receive soft dollar benefits or compensation from brokerage firms for client referrals. Clients must provide GFP with investment discretion, allowing the firm to make portfolio adjustments without prior client approval. GFP does not have custody over client assets and does not vote proxies on behalf of clients. The firm has no financial commitments impairing its ability to meet client obligations.

Cedarstone Advisors is a financial advisory firm established on July 30, 2014, and registered with the SEC since March 16, 2018. The firm specializes in providing investment advisory and financial planning services on a fee-only basis. Clients are required to enter into an Investment Advisory Agreement setting forth the terms, services, and fees. Cedarstone primarily allocates client investments among various mutual funds and exchange-traded funds, with a focus on developing a diversified investment allocation tailored to each client's objectives. The firm operates as a fiduciary, acting in the best interest of clients, particularly in retirement accounts. Cedarstone does not maintain custody of client funds, except for fee deductions. The minimum account size required is $500,000, with an annual management fee based on a percentage of assets under management. Clients may also opt for financial planning services at an additional fee. The investment strategy is based on fundamental research, asset allocation decisions, and risk assessment. Cedarstone Advisors does not charge performance-based fees and allows clients to impose reasonable restrictions on services. The firm's team includes Steve Coker, a Certified Financial Planner with a background in accounting and finance, Carole Meitler, a Certified Public Accountant, and Michael Ryne, an Associate Financial Advisor with Series 7, 66, and 99 certifications. Clients receive regular account statements and have the option to review financial plans annually. The firm's professionals adhere to a Code of Ethics and are supervised by Steve Coker, the Chief Compliance Officer.

Hofer & Associates Wealth Management, a registered investment adviser based in Thousand Oaks, California, has been providing investment advisory services since January 2016. The firm offers discretionary portfolio management services tailored to meet clients' needs and investment objectives. Clients can grant the firm discretionary authority to manage their accounts, allowing for the purchase or sale of securities without prior approval. Non-discretionary portfolio management services are also available, requiring client approval before executing transactions. The firm may invest client assets in model portfolios designed for varying risk tolerances. Financial planning services are offered, involving a comprehensive analysis of clients' financial circumstances and objectives to develop a written plan aimed at achieving financial goals. Fees for portfolio management services are based on a percentage of assets under management, with rates ranging from 0.60% to 1.15% based on the account size. Financial planning fees range from $1,000 to $5,000, with hourly fees negotiable based on complexity. The firm does not participate in wrap fee programs and does not accept performance-based fees. Hofer & Associates Wealth Management acts as a fiduciary, obligated to act in clients' best interests. The firm does not have any disciplinary information to report. Clients have the option to grant the firm investment discretion, allowing for the management of their accounts without prior approval. The firm does not vote proxies on behalf of clients and does not participate in class action lawsuits on clients' behalf. Client privacy is a top priority, with policies in place to protect personal information. In the event of a trade error, corrective actions are taken to restore the account. The firm does not determine eligibility for class action lawsuits on clients' securities.