Community Capital Management, LLC, established in 1998, is an investment adviser specializing in providing investment supervisory services on a discretionary or non-discretionary basis. They manage assets for individuals, trusts, corporations, and other entities through direct accounts and wrap programs. Clients can impose reasonable restrictions on investments, but CCM typically exercises full investment discretion. As of December 31, 2024, CCM managed over $6.25 billion in assets. The firm offers impact core fixed income, securitized, and tax-exempt municipals strategies with annual fees based on assets under management. Minimum investment for direct accounts ranges from $10 million to $25 million, with waivers possible. CCM's investment approach focuses on impact investing, including fixed income impact strategies aligned with positive societal outcomes. The firm's risk management includes considerations for fixed income, credit, prepayment, futures, commodities, liquidity, private placement, cybersecurity, market, fair valuation, and disease pandemics. CCM does not receive performance-based fees and acts as a fiduciary, prioritizing client interests. The firm's Code of Ethics ensures integrity and high ethical standards, including pre-clearance for personal trading. CCM's brokerage practices prioritize best execution, and they engage in cross transactions and trade away when necessary. Clients receive regular portfolio monitoring and reporting, and CCM votes proxies in clients' best interests when applicable. The firm's financial information indicates stability and transparency in fee structures.

MG&A Wealth, established in 1989 and based in Plantation, FL, offers personalized financial planning and investment management services. The firm's principal owner is Todd Battaglia. Services include financial planning, investment management, and access to various investment programs such as SEI, UMA/SMA, and APM. Clients have the option for non-discretionary or discretionary investment management. MG&A Wealth primarily recommends mutual funds and exchange-traded funds, with fees based on a tiered structure. The firm does not accept performance-based fees or engage in side-by-side management. Clients have investment discretion options, and the firm provides continuous account monitoring and semi-annual reviews. MG&A Wealth maintains a Code of Ethics, ensuring client interests are prioritized. The firm does not have any reportable disciplinary information. Additionally, MG&A Wealth discloses its brokerage practices, custody arrangements, and privacy policies to ensure transparency and client protection. For more information, visit www.mgawealth.com or contact 954-289-9000.

Tobias Financial Advisors, Inc. is a fee-only investment advisor firm established in 1980 and registered since January 13, 1989. The firm specializes in financial planning, consulting, and investment management services for individuals, pension and profit-sharing plans, trusts, estates, corporations, and other entities. The firm's owners are Marianela Collado (CEO) and Matthew Saneholtz (CIO). TFA offers fee structures based on a percentage of assets under management, hourly charges, retainer fees, and/or fixed fees. Clients can receive services such as Wealth Management, Investment Management, and Retirement Plan Advisory Service. TFA may provide guidance on hedge funds, private equity funds, or other alternative investments for experienced investors. Clients can grant discretionary authority for TFA to manage their accounts, allowing TFA to make investment decisions without prior approval. TFA recommends the use of TD Ameritrade or Charles Schwab for brokerage and clearing services. The firm follows a globally diversified investment strategy and considers various risks such as interest-rate, credit, market, inflation, and business risks. TFA does not vote proxies on behalf of clients and does not participate in class action lawsuits on behalf of clients. The firm prioritizes client privacy and has policies in place to protect personal information.

**Summary:** LWM Advisory Services, LLC is a Florida-based investment advisor firm established in June 2014 by Tony DuBose. The firm offers tailored advisory services including portfolio management, financial planning, and consulting. Clients can choose between different programs such as Legacy Managed Portfolio I, II, and III, each with varying fee structures and services. The firm provides investment advice on a discretionary or non-discretionary basis, with a minimum investment of $100,000 for the Legacy Managed Portfolio program. Fees are based on a percentage of assets under management, with an annual fee of up to 2.00%. The firm may receive compensation from third-party investment advisors for client referrals. LWM Advisory Services does not accept performance-based fees and does not engage in side-by-side management. The firm does not vote proxies on behalf of clients and does not provide legal advice or initiate legal proceedings on behalf of clients. Clients are encouraged to review account statements from the custodian and compare them with reports provided by the advisor. The firm does not provide custody services but has the authority to deduct fees from client accounts. Clients who grant discretionary authority to the advisor allow them to make investment decisions on their behalf. The firm does not vote proxies on behalf of clients and does not provide legal advice or initiate legal proceedings on behalf of clients. LWM Advisory Services has no financial commitments impairing its ability to meet client obligations and has not been subject to bankruptcy proceedings.

Northstar Financial Planners, Inc., based in Plantation, Florida, has been providing investment advisory services since 2000. The firm offers personalized portfolio management services and financial planning and consulting services. For portfolio management, clients receive tailored investment advice based on their objectives and risk tolerance, with continuous monitoring and rebalancing. Financial planning involves analyzing clients' financial circumstances and goals to develop a written plan. The firm primarily recommends mutual funds but may also advise on other securities based on client needs. The minimum account size to open and maintain an advisory account is generally $500,000, but this requirement may be waived based on individual circumstances. Northstar Financial Planners, Inc. charges an hourly fee of $400 for financial planning services and a tiered percentage fee based on assets under management for portfolio management services. The firm acts as a Registered Investment Adviser and exercises discretion over client accounts, with clients granting authority for securities transactions. The firm does not accept performance-based fees, participates in side-by-side management, or vote proxies on behalf of clients. Clients receive regular account reviews and statements from the qualified custodian holding their funds and securities. The firm does not have any reportable disciplinary information and does not engage in directed brokerage practices. Clients' personal information is protected and shared only for specific business purposes as outlined in the privacy notice.

Fortune 360 Group LLC is a financial advisory firm established in March 2015 and registered as an investment adviser in Florida in March 2016. The firm specializes in portfolio management services tailored to individual client goals, offering services such as investment strategy, asset allocation, and risk tolerance assessment. Clients have the option to grant discretionary authority for investment decisions. Additionally, the firm provides pension consulting services, financial planning, and consulting on specific types of investments like mutual funds and fixed income securities. For portfolio management, fees range from 0.50% to 1.40% based on total assets under management, with technology/platform fees included. Pension consulting fees are asset-based, ranging from 0.50% to 1.00%. Financial planning and consulting services have fixed annual rates between $1,000 and $12,000. Clients may terminate agreements within specified periods without penalty. The firm does not participate in wrap fee programs and has assets under management totaling $141,353,614 as of 12/31/2021. Clients are responsible for third-party fees, and the firm discloses conflicts of interest related to insurance product recommendations. Fortune 360 Group LLC acts as a fiduciary, aiming to provide fair and equitable investment opportunities for clients.

Sterling Wealth Advisors®, Inc. is a registered investment adviser based in Plantation, Florida, established in September 1998. The firm offers combined financial planning and investment advisory services with a minimum annual financial planning fee of $8,000 and a minimum annual fee of $6,000 for investment advisory services only. Clients can receive ongoing financial planning, investment advisory services, or stand-alone financial planning and consulting services. The firm acts as a fiduciary, providing services on a fee-only basis. Clients have the option to engage the firm for discretionary investment advisory services without financial planning. Sterling Wealth Advisors® primarily allocates client assets among various securities, including no-load mutual funds, exchange-traded funds, and government securities. The firm does not participate in wrap fee programs and had $187,596,209 in assets under management as of December 31, 2024. Clients are encouraged to review financial planning issues annually, and account reviews are conducted on an ongoing basis. The firm does not vote client proxies and does not require fees exceeding $1,200 per client six months in advance. Sterling Wealth Advisors® has not been subject to disciplinary actions or bankruptcy petitions.