IFAM Capital, also known as Institutional and Family Asset Management, LLC, is a federally registered investment adviser that offers financial planning, wealth management, and investment advisory services to individuals and entities, including retirement plans. The firm was established on October 28, 2014, and is a wholly-owned subsidiary of Focus Financial Partners, LLC. IFAM provides tailored investment strategies, including two equity strategies with options overlay components: the Strategic Income Portfolio Strategy and the Dynamic Income Portfolio Strategy. The firm may also recommend certain insurance and financial solutions through its affiliates, Focus Risk Solutions and Focus Treasury & Credit Solutions. Clients of IFAM can expect to pay wealth management fees ranging up to $350,000 for fixed fees and 2.00% for asset-based fees annually. The firm may also charge strategy fees ranging from 0.20% to 1.50%. IFAM does not provide services for performance-based fees and offers investment discretion to clients, allowing the firm to make investment decisions on their behalf. The firm follows a code of ethics to prevent unlawful practices and has not been involved in any legal or disciplinary events. IFAM does not impose a minimum account requirement but retains the discretion to decline client engagements that are not a fit with the firm. Clients are encouraged to review account statements and reports provided by IFAM and the custodian of their assets.

Acorn Creek Capital LLC is a registered investment advisor established in April 2023 and wholly owned and operated by Ben Loeffler. The firm offers asset management services tailored to individual client needs, including the creation of portfolios consisting of various securities. Acorn Creek also provides comprehensive portfolio management, financial planning, and retirement plan consulting services. The firm acts as a fiduciary, upholding a duty of loyalty, fairness, and good faith towards each client. Acorn Creek manages over $426 million in client assets, with a focus on maintaining a balanced risk-reward ratio. Clients can expect a maximum annual fee of 2.00% for asset management services, billed on a pro-rata basis monthly. The firm utilizes the services of Fidelity as a custodian and broker-dealer, providing access to research and brokerage services. Acorn Creek does not participate in soft dollar programs and does not receive compensation for client referrals. The firm does not accept proxy-voting responsibility and does not engage in directed brokerage. Acorn Creek emphasizes transparency and communication with clients, encouraging them to review statements provided by the custodian and compare them with reports from the firm. The Privacy Policy ensures the protection and confidentiality of clients' personal information, with safeguards in place to maintain security. Clients have the right to limit the sharing of personal information and

Cosner Financial Group, LLC is a registered investment advisor offering continuous management services tailored to individual needs. Clients can choose between two management options: one with full discretion for trade decisions and another with non-discretionary decisions made after discussion. The firm primarily uses mutual funds, ETFs, and individual stocks and bonds in managed accounts, with model portfolios ranging from Aggressive to Very Conservative. The minimum account size for the wrap fee program is $150,000, with exceptions granted at the firm's discretion. Management fees are based on the account value and are charged quarterly. The firm's investment strategies include charting, fundamental and technical analysis, and cyclical analysis. Clients have the option to vote on proxies or have the firm vote on their behalf. Cosner Financial Group, LLC does not have any disciplinary history and discloses potential conflicts of interest, including the dual registration of Advisory Representatives with Triad Advisors LLC. Clients are encouraged to review the firm's Code of Ethics and Privacy Policy. The firm does not require prepayment of fees exceeding $1,200 or take custody of client funds. Clients are advised to inform the firm promptly of any changes in their financial situation or investment goals.

Trail Ridge Investment Advisors, LLC, a subsidiary of Trail Ridge Wealth Management, Inc., is a registered investment advisory firm established in 2016. The firm offers portfolio management services tailored to individual client goals, risk tolerance, and time horizons. Clients receive Investment Policy Statements outlining their current situation and investment plans. Trail Ridge also provides financial planning services on an hourly basis or through ongoing subscriptions. The firm's investment advice is generally limited to various securities, including mutual funds, equities, and fixed income securities. They do not participate in wrap fee programs and managed over $288 million on a discretionary basis as of December 31, 2024. Fees for portfolio management are based on total assets under management, with minimum annual fees and account size requirements. Financial planning fees are negotiable and can be charged hourly or through an ongoing subscription model. Trail Ridge does not charge performance-based fees and acts as a fiduciary, making investment decisions in clients' best interests. The firm uses fundamental analysis and Modern Portfolio Theory in their investment strategies, with a focus on long-term strategies and options transactions. Clients are periodically reviewed, and proxy voting is conducted in clients' best interests. Trail Ridge does not receive compensation for client referrals and has no custody of client funds.

Navigation Wealth Management, Inc. is a registered investment adviser founded in 2016 by Adam E. Brunin, offering asset management services with a focus on discretionary asset management, financial planning, and consulting. The firm provides services to individuals, high net worth individuals, and qualified retirement plans, acting as a fiduciary in the best interest of clients. Navigation may hire Sub-Advisors to manage client assets and utilizes a third-party platform for held-away assets. Clients have the right to impose restrictions on investments. The firm does not require a minimum account size to open an account. Fees for asset management are based on a tiered fee schedule, and financial planning services are priced based on complexity. Navigation's investment strategies involve fundamental, technical, and charting analysis, with a focus on client objectives and risk tolerance. The firm does not engage in soft dollar arrangements and does not vote proxies on client securities. Navigation has no disciplinary history and maintains a Code of Ethics to address conflicts of interest. The firm does not have custody of client funds and has no financial conditions impairing its ability to meet client commitments. Bankruptcy petitions have not been filed in the past ten years.

GrowStrong Wealth Strategies, LLC, a registered investment adviser, was founded in 2020 and became licensed in July 2020. The firm specializes in asset management, offering discretionary services to clients based on individual investment goals, risk tolerance, and objectives. Clients authorize GrowStrong to execute transactions based on the agreed-upon investment program. Additionally, the firm provides financial planning services, including comprehensive evaluations, risk management, tax reduction strategies, and estate planning guidance. GrowStrong does not have a minimum account size requirement and charges an annual investment advisory fee based on a tiered structure. The firm may recommend third-party managers like Howard Capital Management, Inc. and The Pacific Financial Group, Inc. to manage client portfolios. GrowStrong receives economic benefits from Schwab Advisor Services, which provides custody, trading, and reporting services. The firm does not vote on client proxies and does not have any financial conditions that would impair its ability to meet client commitments. GrowStrong has not been involved in any bankruptcy petitions or disciplinary actions. For more information, visit www.growstrongwealth.com.