EP Wealth Advisors, LLC, established in 2004, offers fee-only independent wealth management services, including investment management, financial planning, and tax preparation. The firm's investment philosophy involves personalized advisory services tailored to individual client needs. EP Wealth Advisors provides discretionary portfolio management services, utilizing model portfolios or customized investment strategies based on client risk tolerance and objectives. The firm may recommend 529 college saving plans but does not receive commissions from providers. Clients in discretionary accounts grant the firm authority to manage investments, including selecting securities and brokers. Non-discretionary clients must approve transactions before execution. Fees for portfolio management services are based on a percentage of assets under management, with varying fee structures such as blended tiered, flat percentage, or annual fees. EP Wealth Advisors may participate in wrap fee programs, consolidating fees into a single asset-based fee. The firm also offers financial planning and consulting services at an hourly rate or retainer fee. Tax preparation services are available for clients with at least $1 million in assets under management. EP Wealth Advisors may recommend third-party investment advisers and receives client referrals from Schwab and Fidelity, compensating them for referrals. The firm participates in the Fidelity Wealth Advisor Solutions® Program and the Schwab Advisor Network. EP Wealth Advisors may combine client orders for block trading and does not accept performance-based fees. The firm does not have any reportable disciplinary information and acts as a fiduciary, prioritizing clients' best interests.

Banyan Tree Asset Management, LLC, established in August 2013 by Kenneth Naehu, is an SEC-registered investment adviser specializing in fixed income investment management for ultra-high net worth individuals and institutions. The firm offers discretionary management of fixed income portfolios tailored to each client's unique needs and objectives, with a focus on preserving principal and achieving above-market rates of return. Clients typically have assets allocated to fixed income and engage BTAM to manage them. The firm may use leverage in pursuing its investment strategy, including margin transactions and short sales. BTAM managed discretionary assets of $1,013,708,995 as of December 31, 2024. The fee structure is based on a percentage of assets under management, with fees assessed quarterly and in arrears. The standard fee schedule ranges from 0.50% to 0.40% based on the amount of assets managed. Clients generally authorize direct payment of fees from their accounts, but direct invoicing is also available. The firm does not charge performance-based fees and primarily serves high-net worth individuals and institutions, imposing a $20,000,000 minimum account size. Investment strategies include Core Fixed Income, Short Duration, Opportunistic, and Hedging strategies, with a focus on active management to maximize tax efficiency and income while limiting risk. Clients have investment discretion, and accounts are monitored and reviewed regularly. Kenneth Naehu and Brian Goldberg are the principal owners and managing directors of BTAM, with no disciplinary actions on record. They are affiliated with Banyan Tree Securities, LLC, a FINRA-member broker-dealer. The firm's custody practices ensure client assets are held separately at qualified custodians, with BTAM having discretion over pooled investment vehicles. Clients are encouraged to review custodial statements and verify fee calculations. The firm's compliance policies and procedures are overseen by Anny Choe, the Chief Operating Officer.

Catalina Capital Group LLC, also known as Smart Harvest Solutions, is a Limited Liability Company based in California, established in July 2014 by Chris Frantz and Philippe Oertle. The firm offers portfolio management services tailored to individual client goals, risk tolerance, and time horizons. Clients grant discretionary authority for securities selection and transactions. The firm operates as a fiduciary, prioritizing client interests in investment decisions. Services include pension consulting and personalized direct index SMA solutions focusing on tax loss harvesting and custom beta/index exposure. Investment strategies encompass long and short-term trading, margin transactions, and options trading. CatalinaCap limits advice to various investments, including mutual funds, fixed income securities, real estate funds, and hedge funds. The firm may recommend third-party advisers and receives compensation through fee sharing. Clients are responsible for third-party fees, and fees are paid in advance or arrears based on asset value. CatalinaCap participates in the TD Ameritrade and Charles Schwab institutional advisor programs, receiving benefits that may indirectly influence service recommendations. The firm provides discretionary and non-discretionary advisory services, with proxy voting and custody of client assets. CatalinaCap maintains a Code of Ethics and discloses potential conflicts of interest related to compensation and referrals. The firm has no disciplinary history, bankruptcy petitions, or financial conditions impairing client commitments. Clients receive regular reports and account reviews to ensure transparency and compliance with regulatory standards. For more information, visit www.catalinacap.com or www.smartharvestsolutions.com.

APS Management Group, Inc. dba Advanced Portfolio Strategies and Advanced Portfolio Strategies Insurance & Financial Services is a registered investment adviser established in 2014 and licensed in 2016. The firm offers portfolio management services tailored to individual client goals, risk tolerance, and time horizons. Clients may grant discretionary authority for securities selection and transactions. The firm may direct clients to third-party advisers, ensuring proper licensing and registration. AMGI's investment strategies include long-term and short-term trading, margin transactions, and options trading. The firm discloses potential risks associated with various securities, such as mutual funds, ETFs, annuities, hedge funds, and private equity funds. AMGI charges asset-based fees ranging from 0.40% to 1.50% based on total assets under management. Clients receive quarterly reports detailing account performance and fees. The firm does not accept performance-based fees or engage in proxy voting for client securities. AMGI maintains a Code of Ethics and discloses potential conflicts of interest related to third-party compensation and soft dollar benefits. The firm does not have financial conditions impairing client commitments and has not filed for bankruptcy in the past ten years. For further details, clients can refer to Part 2B for individual representatives.

Tortuga Wealth Management, Inc., operating as Tortuga Wealth Management, is a California-based investment advisory firm established in 2010. The firm is co-owned by Kevin Lee Bidenkap and Angela Park Sheldon. As a fiduciary, Tortuga Wealth Management is committed to acting in the best interest of its clients. The firm offers financial planning and consulting services, including investment, retirement, estate, charitable, education, tax planning, and more. Clients have the option to engage in LPL Financial Sponsored Advisory Programs, such as Optimum Market Portfolios, Personal Wealth Portfolios, Model Wealth Portfolios, and Manager Access Select. The firm manages $156,006,704 in discretionary assets as of 12/31/2024. Fees for financial planning services are charged on an hourly or flat fee basis, while LPL-sponsored programs have annual percentage fees ranging from 2.50% to 3.00%. Tortuga Wealth Management does not charge performance-based fees and typically serves individuals and high net worth individuals. The firm utilizes various methods of analysis and investment strategies, including charting, fundamental analysis, asset allocation, and more. Clients have the option to grant investment discretion to the firm, and Tortuga Wealth Management does not accept proxy authority to vote client securities. The firm does not have any material changes to disclose since its last annual update.

Alessandra Capital Management, LLC is a financial advisory firm based in Torrance, California. It currently has approximately $86,056,300 of assets under management and employs about 4 people. Alessandra Capital Management, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Legacy Financial Group is a financial advisory firm based in Torrance, California. It currently has approximately $12,564,658 of assets under management and employs about 8 people. Legacy Financial Group uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.