Fiduciary First, LLC, operating as NFP Retirement, Inc., is a registered investment adviser based in Central Florida. Established in 1985, the firm specializes in providing investment advisory services and Retirement Plan Fiduciary Process services. Fiduciary First offers comprehensive retirement plan consulting, investment advice, fiduciary due diligence services, and asset allocation services to individuals, retirement plan sponsors, and business entities. The firm's investment strategies primarily focus on passive and actively managed mutual funds and CITs to minimize market risks. Fiduciary First charges annual fees for retirement plan consulting services based on a negotiable fee schedule tied to the value of plan assets. The firm also offers non-discretionary investment advice on a project or hourly fee basis. Clients have the discretion to implement recommendations and retain control over their accounts. The firm's Code of Ethics ensures compliance with fiduciary obligations and securities laws. Fiduciary First does not provide proxy voting services and does not have custody of client assets. The firm's business continuity plan ensures prompt recovery and resumption of operations in the event of a significant business disruption. For more information, visit the firm's website or contact the Compliance Department.

Alternative Investment Advisors, LLC is a financial advisory firm based in Maitland, Florida. It currently has approximately $211,394,752 of assets under management and employs about 12 people. Alternative Investment Advisors, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Cramer & Rauchegger, Inc. is a registered investment adviser based in Maitland, Florida, founded in early 1999. The firm offers investment advisory services to individuals and high net worth individuals, trusts, estates, and retirement accounts without any minimum account size requirements. Services include investment planning, financial organization, and risk assessment. The firm may also provide trustee services for revocable and irrevocable trusts, offering ongoing management and administration. Additionally, financial planning services are available for a fixed $2000 fee, covering areas such as tax planning, estate planning, and retirement planning. Cramer & Rauchegger operates on a fee-only basis, with fees calculated based on a percentage of assets under management. The fee schedule for investment advisory services ranges from 1.5% to 2.0% based on account size. The firm does not accept performance-based fees or engage in side-by-side management. Investment discretion is granted to third-party managers for discretionary accounts. The firm does not vote proxies for client accounts unless acting as trustee and granted authority. Cramer & Rauchegger has not been subject to any legal or disciplinary events and has no financial commitments impairing its ability to meet client commitments.

Dorman Financial Management, P.A. is a Registered Investment Adviser based in Maitland, Florida, established in 2002 by principal owner James Dorman. The firm offers personalized Portfolio Management Services and Financial Planning and Consulting Services to individuals and various entities. For portfolio management, clients can opt for discretionary or non-discretionary services, with fees ranging from 0.4% to 2.0% annually, billed quarterly based on account value. The firm may combine family members' account values to determine applicable fees. Financial planning services are offered at a fixed fee of $1,000 to $5,000, payable in advance and upon completion. Dorman Financial Management primarily advises on mutual funds but may also recommend other securities. The firm acts as a fiduciary for retirement accounts, ensuring recommendations are in clients' best interests. As of December 31, 2024, the firm manages $146,076,260 in client assets on a discretionary basis. Dorman Financial Management does not accept performance-based fees, participates in side-by-side management, or receives compensation for client referrals. The firm uses Charles Schwab & Co., Inc. as the primary custodian, offering institutional capabilities for trade execution and custody services. Clients receive quarterly account statements and trade confirmations. The firm does not vote proxies on behalf of clients and maintains strict privacy policies to protect clients' information. In case of trade errors, corrective actions are taken, and any profits from errors are donated to charity. The firm does not handle class action lawsuits on behalf of clients but forwards relevant documents if received.

Ironclad Investments LLC is a financial advisory firm based in Maitland, Florida. It currently has approximately $136,024,140 of assets under management and employs about 2 people. Ironclad Investments LLC uses a fee structure of and a percentage of assets under your management.

Aegis Wealth Management, LLC, established in 2015 and based in Maitland, Florida, is a registered investment adviser with the SEC. The firm offers asset management services on both discretionary and non-discretionary bases, tailoring services to individual clients based on their financial goals and risk tolerance. Aegis may provide specific financial advice, manage employee contribution retirement plans, and offer consulting services for various life events. The firm acts as a fiduciary under ERISA for retirement plans, ensuring advice is in the client's best interest. Aegis charges an annual fee up to 1% of assets under management, billed quarterly, and may negotiate fees based on client needs. The firm does not have a minimum account size and may recommend IRA rollovers, disclosing potential conflicts of interest. Aegis does not charge performance-based fees and provides services to individuals, high net worth individuals, and employee contribution plans. Investment strategies focus on long-term value, with portfolios based on Modern Portfolio Theory and diversified for risk management. The firm reviews client accounts quarterly, with no reportable disciplinary events. Aegis does not engage solicitors for client referrals and does not have custody of client funds. Clients receive account statements from custodians quarterly, and the firm does not accept authority to vote client securities. Aegis operates under a Code of Ethics and has not been subject to bankruptcy in the past ten years.

Fellowship Investment Advisors, LLC, operating as Fellowship Financial Group, is a registered investment adviser based in Maitland, Florida, established in 2010 by Michael D. Eastham. The firm offers personalized investment advisory services, including portfolio management, selection of other advisers, and financial planning services. They provide discretionary and non-discretionary portfolio management services tailored to clients' needs and investment objectives. Clients may grant the firm discretionary authority to manage their accounts, allowing for customized or model portfolio investments. Fellowship Financial Group primarily advises on equity securities, mutual funds, ETFs, individual bonds, and preferred stocks, with a focus on long-term and short-term purchases. The firm may also recommend other investments based on client goals. They charge an annual fee ranging from 0.5% to 2.0% for portfolio management services, billed quarterly based on the average daily balance. The firm does not participate in wrap fee programs and may recommend IRA rollovers, acting as a fiduciary in clients' best interests. Fellowship Financial Group has over $151 million in client assets under management on a discretionary basis. The firm does not have any material changes to report since their last annual update in March 2024. Clients have the option to use Charles Schwab & Co., Inc. or Fidelity as custodians for their accounts. The firm does not vote proxies on behalf of clients but may offer advice on corporate actions and proxy voting rights upon request. Fellowship Financial Group does not have physical custody of client funds or securities and does not vote proxies on behalf of clients. The firm prioritizes client privacy and maintains strict policies to protect personal information.