One Capital Management, LLC, based in Westlake Village, California, has been providing investment advisory services since 2001. The firm is a registered investment adviser with the U.S. Securities and Exchange Commission. OCM offers wealth management investment services, planning services, sub-advisory services, retirement plan solutions, and advisory consulting services. Clients can expect personalized wealth management services tailored to their individual needs, including discretionary investment services where OCM manages the account on the client's behalf. The firm's investment strategies focus on globally balanced portfolios, blending active management of global large-cap equities with exchange-traded funds and fixed income. OCM charges fees based on a percentage of assets under management, with a minimum initial investment typically set at $500,000, although this minimum may be waived at the firm's discretion. OCM encourages clients to carefully review account statements and provides quarterly reports on account performance. The firm follows a Code of Ethics to ensure professional standards of conduct and compliance with regulations. OCM does not accept performance-based fees, participates in side-by-side management, or engage in soft dollar arrangements. Clients' assets are held by qualified custodians, and OCM has procedures in place to ensure the security and privacy of clients' personal information. The firm also provides proxy voting services on behalf of clients and maintains a policy to address transactional errors promptly and fairly. For more information, visit www.onecapital.com.

Whitman/Peterson, LLC is a registered investment adviser specializing in providing investment advisory services to private real estate funds. Founded in January 2012, the firm focuses on US and non-US real estate assets across various sectors such as multi-family, student housing, lodging, seniors housing, office, and industrial properties. The firm tailors its services to the individual needs of each fund, emphasizing strong demand fundamentals and strategic partnerships with operating companies to create value at the property level. With approximately $2.06 billion in assets under management as of December 31, 2024, Whitman/Peterson, LLC operates on a discretionary basis, managing fund assets with management fees typically less than or equal to 2.0% of capital subscriptions. The firm may receive carried interest ranging from 7.5% to 30% of realized gains above preferred return hurdles. Whitman/Peterson, LLC acts as a fiduciary, making investment decisions in the best interest of the funds, and has no reportable disciplinary events. The firm's principals may invest directly in the funds, and the firm has implemented a Code of Ethics to ensure fair and ethical business conduct. Clients include pension plans, endowments, foreign institutions, and high net worth individuals. For more information, visit http://whitmanpeterson.com/.

Manchester Financial, Inc. is a registered investment adviser founded in 1990 by Robert Katch, offering portfolio management and financial planning services. The firm tailors investment advice based on clients' financial data, developing personalized profiles to determine asset allocation strategies. Manchester Financial provides individualized investment advice across various investment vehicles, including stocks, bonds, ETFs, mutual funds, and more. The firm also offers financial planning services, encouraging clients to engage for comprehensive financial analysis. Clients may opt for limited consulting services focusing on specific financial concerns. Manchester Financial operates under a fiduciary duty, acting in clients' best interests. The firm manages over 2,300 client accounts with assets under management totaling $798 million as of December 31, 2022. Fees are based on a percentage of account assets, not exceeding 1.25%, payable quarterly. The firm may also provide consulting services at hourly rates ranging from $250 to $500. Manchester Financial may earn commission-based compensation from insurance products and maintains an affiliated insurance agency. The firm uses Charles Schwab & Co, Inc. and Fidelity Brokerage Services, LLC for brokerage and custodial services, with access to free research and software. Clients retain voting rights for their securities and are responsible for directing proxies. Manchester Financial does not accept authority to vote client securities. The firm maintains a Privacy Policy to protect client information and restricts access to personal data.

The Wealth Collaborative, Inc. is an SEC-registered investment adviser specializing in providing investment management services and wealth planning solutions to high-net-worth clients. Established in October 2007, the firm discloses approximately $781,946,000 in total assets as of December 31, 2024. Clients can engage TWC for discretionary management of assets, with minimum account sizes varying based on service levels: Level 1 ($500,000), Level 2 ($1,000,000), and Level 3 ($2,000,000). TWC charges a negotiable annual fee based on a percentage of assets under management, ranging from 0.50% to 1.75%. The firm may recommend Independent Managers for certain clients, with fees based on a percentage of managed assets. TWC operates as a fiduciary when providing investment advice for retirement accounts, ensuring recommendations are in the client's best interest. Clients have investment discretion over their accounts, with TWC exercising discretion on securities transactions, timing, and manager selection. The firm does not provide performance-based fees and primarily serves individuals and business entities in the entertainment industry. TWC does not vote on client securities proxies and does not hold custody of client assets. Clients receive regular account reviews and reports, and TWC does not have any disciplinary disclosures or financial impairments that could affect client commitments.

Cruden Bay Investment Management, LLC is a registered investment adviser based in Westlake Village, CA, established in August 2016. The firm primarily offers portfolio management services through a wrap-fee program, providing asset management and brokerage services for one inclusive fee. Clients can grant discretionary authority for account management, allowing the firm to make investment decisions without prior consent. The firm may engage third-party advisers to manage portions of client accounts on a discretionary basis. Fees for portfolio management services under the wrap fee program range up to 2.00% annually, billed quarterly based on account balance. Clients are advised on asset allocation and investment strategies based on individual objectives and risk tolerance. The firm utilizes fundamental and technical analysis, long-term and short-term purchases, and may trade on margin. Cruden Bay Investment Management, LLC requires a minimum account size of $5,000,000, catering to individuals, high net worth individuals, foundations, and corporations. The firm does not accept performance-based fees, and its investment philosophy focuses on risk-adjusted performance. Clients are encouraged to consult with a tax professional regarding investments. The firm prioritizes client privacy and does not disclose non-public personal information to non-affiliated third parties. Clients receive ongoing account monitoring and quarterly reviews to ensure alignment with investment objectives. Cruden Bay Investment Management, LLC does not have any disciplinary disclosures and does not engage in other financial industry activities or affiliations.

Oak Asset Management, LLC is a financial advisor firm established in 2003 and operating as an investment adviser since 2017. The firm specializes in providing asset management and investment consulting services for various clients, including individuals, high net worth individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and corporations. Oak Asset Management, LLC acts as a fiduciary, always prioritizing clients' best interests. The firm offers services such as Wrap Comprehensive Portfolio Management and Retirement Plan Consulting, assisting clients in meeting their financial goals while considering risk tolerance and time horizons. For Wrap Comprehensive Portfolio Management clients, the firm manages regulatory assets totaling $383,244,730 as of December 31, 2024, on a discretionary basis. The firm charges fees for its services, with no additional fees for Retirement Plan Consulting services for clients utilizing the Wrap Comprehensive Portfolio Management service. Oak Asset Management, LLC follows a structured investment philosophy focusing on companies with strong cash flow, consistent earnings, and shareholder value creation. The firm utilizes various methods of analysis, including fundamental analysis, technical analysis, mutual fund and ETF analysis, and third-party money manager analysis. Clients have the option to direct brokerage outside the firm's recommendation, but it may result in higher costs. Oak Asset Management, LLC does not receive soft dollars in excess of what is allowed by regulations. The firm does not provide cash or non-cash compensation for client referrals. Clients receive account statements directly from the custodian, and the firm does not accept proxy authority to vote client securities. Oak Asset Management, LLC does not have financial conditions that impair its ability to meet obligations to clients and has not been subject to bankruptcy proceedings.

Summit Financial Consultants, Inc. is a registered investment advisor based in Westlake Village, CA, established in 1998 by Neil Elmouchi and Kimberly Lau. The firm offers asset management services on a discretionary or non-discretionary basis, tailored to clients' financial situations and investment objectives. Clients have the opportunity to impose reasonable restrictions on account management. Summit's investment strategies may include a variety of securities such as stocks, bonds, ETFs, mutual funds, and more. The firm may also recommend Third Party Asset Managers (TPAMs) for client portfolios. For financial planning services, Summit evaluates clients' financial states, cash flows, asset values, and risk profiles to provide comprehensive planning advice. The firm may also offer consulting services and pension consulting for employer-sponsored plans. Summit discloses its fee structure, which includes hourly rates, fixed fees, and asset management fees not exceeding 2.0% annually. The firm may receive benefits from TD Ameritrade and AssetMark, but it aims to act in clients' best interests. Summit does not charge performance-based fees and does not have any disciplinary disclosures. Clients have the option to grant Summit discretionary authority over their investments, and the firm does not vote proxies on behalf of clients. Summit Financial Consultants has participated in the Paycheck Protection Program to support its operations during the COVID-19 pandemic.

NBS Financial Services, Inc. is a registered investment advisor based in Westlake Village, CA, established in May 1984. The firm specializes in retirement planning, offering tailored advisory services to develop and implement long-term investment strategies customized to individual goals. Services include financial planning and asset management through an Asset Allocation and Portfolio Management Program. The firm focuses on advising clients on a range of investments, including mutual funds, stocks, bonds, and other securities, while avoiding certain types of investments like commodities and hedge funds. NBS Financial Services, Inc. does not charge performance-based fees and acts as a fiduciary, prioritizing clients' interests. The minimum investment recommended for the Asset Allocation and Portfolio Management Program is $250,000. Fees for services are calculated as a percentage of assets under management, with a tiered fee structure based on the account value. The firm uses various methods of analysis, including fundamental and technical analysis, to formulate investment strategies aimed at maximizing returns within acceptable risk levels. Clients have the option to grant discretionary trading authority, allowing the firm to make investment decisions on their behalf. NBS Financial Services, Inc. does not vote proxies on behalf of clients unless specifically authorized. The firm does not have any disciplinary events and maintains policies to handle trade errors in the best interest of clients. Additionally, the firm does not require prepayment of fees exceeding $1200 per client, six months in advance. For more detailed information, clients can contact the firm directly.

Calabasas Advisory Group, LLC, operating as Semeleng Financial Services, is a registered investment adviser based in Westlake Village, CA. Established in 2017, the firm specializes in providing asset management and planning services for individuals and various client types, including high net worth individuals, trusts, estates, and businesses. Acting as a fiduciary, the firm is committed to always acting in the client's best interest. Their services include Comprehensive Portfolio Management, offering asset management, financial planning, and consulting services tailored to meet clients' financial goals. For Comprehensive Portfolio Management, clients can expect fees not exceeding 1.25% annually, billed quarterly based on account values. The firm does not charge performance-based fees and manages assets totaling $240,549,000 on a discretionary basis. Investment strategies include asset allocation, individual stock analysis, mutual fund and ETF analysis, and fixed income securities. Risks associated with investing in securities, such as market risk, credit risk, and interest rate risk, are disclosed. The firm does not engage in soft dollar arrangements and provides clients with annual account reviews. Semeleng Financial Services does not accept proxy authority to vote client securities and does not have custody of client funds or securities. The firm has not been involved in any bankruptcy proceedings and does not have financial conditions impairing its ability to meet obligations. Clients are encouraged to contact the firm for further details on their services and investment strategies.