Bowen, Hanes & Company, Inc. is a Registered Investment Adviser established in 1972, specializing in investment counseling for high net worth individuals, pension plans, charities, and more. The firm's investment strategy is based on global economic trends and company analysis to achieve long-term results. They manage client portfolios in equity and fixed income securities, with a minimum desired account size of $3 million. The firm charges an annual management fee based on a tiered percentage of assets under management. Bowen, Hanes & Company acts as a fiduciary when providing retirement account rollover advice, ensuring clients' best interests are prioritized. Clients have the option to impose restrictions on their portfolios based on personal values. The firm exercises investment discretion over client accounts, with assets managed on a discretionary basis totaling $3.27 billion as of December 31, 2022. Bowen, Hanes & Company does not accept performance-based fees and has a clean disciplinary record. They do not participate in wrap fee programs and do not receive outside compensation for selling securities. The firm provides quarterly client reports and actively monitors and reviews client portfolios. Bowen, Hanes & Company has custody of client funds for fee debiting purposes and asset distribution with client authorization. They exercise voting rights for client securities and have robust financial stability with no history of bankruptcy.

Sawgrass Asset Management, LLC is a registered investment advisor founded in January 1998 by a group of investment professionals. The firm specializes in active investment management for institutional investors, offering services such as large and small cap growth equity portfolios, as well as core, intermediate, and short-term fixed income portfolios. Sawgrass manages over $3.2 billion in assets, with a focus on providing growth returns with risk control. Clients can invest in various Investment Products offered by Sawgrass, such as the Sawgrass Large Cap Quality Growth, Focused Growth Equity, Small Cap Growth Equity, and SMID Core strategies. The firm charges annual fees based on the account size and the specific investment product chosen, with minimum initial investments ranging from $100,000 to $3,000,000. Sawgrass acts as the exclusive Manager of the Sawgrass Diversified Income Fund, LLC, a private offering of securities aimed at generating income through dividends and interest payments. The firm follows a Code of Ethics to ensure ethical conduct and transparency, and clients' accounts are reviewed regularly to align with their investment objectives. Sawgrass does not take custody of client funds but works with qualified custodians to maintain client assets securely. The firm also has policies in place for proxy voting and disclosure of potential conflicts of interest.

**Charles D. Hyman & Company Summary:** Established in 1994, Charles D. Hyman & Company is an SEC-registered investment adviser based in Florida. The firm offers individual portfolio management services, providing continuous asset management tailored to clients' needs. They also offer consulting services on a negotiated fee basis and provide IRA rollover recommendations. As of 12/31/2023, the firm actively managed over $2.1 billion of clients' assets on a discretionary basis. Fees for portfolio management services are charged as a percentage of assets under management, with negotiated fees considered on a case-by-case basis. The firm does not charge performance-based fees or engage in side-by-side management. Clients include individuals, high net worth individuals, pension and profit-sharing plans, charitable organizations, and retirement accounts. Investment strategies include fundamental and technical analysis, asset allocation, and mutual fund/ETF analysis. The firm follows a Code of Ethics, ensuring compliance with applicable laws and regulations. They have a Whistleblower Policy in place to encourage reporting of violations. Charles D. Hyman & Company maintains a Privacy Policy to protect clients' personal financial information and a Trade Error Policy to address any errors in trade orders. The firm does not engage in solicitation or accept compensation for client referrals.

Quantitative Systematic Strategies LLC (QSS) is an independent investment manager established in August 2012, offering discretionary investment management services to clients. QSS, registered with the SEC, is controlled by Edward Raha, with over 30 years of experience in hedge fund management and financial modeling. The firm's investment philosophy focuses on long-term capital appreciation through investment and speculative trading. QSS tailors investment strategies to individual client needs, assessing objectives, risk tolerance, and securities preferences. The firm manages $2.47 billion on a discretionary basis as of December 31, 2024, with fixed management fees for Segregated Accounts and an annualized asset-based fee of 1% for Other Accounts. Clients cover brokerage costs, transaction fees, and operating expenses. QSS does not charge performance-based fees, serves qualified eligible persons and accredited investors, and employs various risk management techniques. The firm's strategies primarily involve equity securities traded on public exchanges, with considerations for leverage, short sales, turnover, liquidity, hedging, and foreign investments. QSS maintains a Code of Ethics, exercises investment discretion, and votes on client securities. The firm does not have disciplinary information, receives no compensation from third parties, and maintains custody of client funds or securities.

Butensky & Cohen Financial Security, Inc., also known as B&C Financial Advisors, is a fee-only registered investment advisor established in October 1994 in Florida. The firm specializes in wealth management services, offering investment management and financial planning to help clients achieve their financial goals. They emphasize fiscal responsibility and disciplined decision-making to protect clients' monetary needs. The firm's mission is to develop personal relationships with clients, providing unbiased asset management and financial and estate planning. For portfolio management, Butensky & Cohen charges an asset-based fee calculated quarterly based on the market value of the account. They generally require a minimum initial investment of $100,000 but may waive this requirement under certain circumstances. The firm has discretion to negotiate fees and offers a tiered fee structure based on account balance. Clients have the option to impose restrictions on discretionary trading authority. The firm's investment strategies are based on Modern Portfolio Theory and asset allocation principles. They use fundamental and technical analysis to guide investment decisions. Butensky & Cohen reviews accounts regularly to ensure alignment with clients' objectives and offers financial planning services, including comprehensive and targeted planning. The firm does not compensate for client referrals and has no disciplinary events to report. They act as trustees for a limited number of client trust accounts and have participated in the Paycheck Protection Program.

MOS Capital, Inc. is an independent Registered Investment Advisor established in July 2000 by William Moore, Michael O’Neil, and Richard Shropshire. The firm specializes in providing financial planning/consulting services and portfolio management to individuals, trusts, endowments, foundations, corporations, and other money management firms on a fee-only basis. Clients' assets are managed based on their investment objectives, risk tolerance, and other relevant factors. MOS follows a "Growth & Income" investment style, focusing on conservative stocks and bonds to achieve income production and capital appreciation over time. The firm uses a mathematical approach to guide portfolio management decisions and emphasizes diversification by asset class, industry, issuer, and style. MOS charges advisory fees based on a percentage of assets under management, with negotiable rates depending on the account size and complexity. The firm does not charge performance-based fees and does not participate in wrap fee programs. Clients have the option to receive financial planning services on an hourly or fixed-fee basis. MOS does not receive compensation through commissions, trading mark-ups/downs, or mutual fund fees. The firm exercises investment discretion for both discretionary and non-discretionary accounts, managing a total of $209,336,473 in client assets as of December 31, 2024. MOS does not have any disciplinary history and does not engage in other financial industry activities or affiliations. The firm operates with transparency, providing detailed information on its fee structure, investment strategies, and client services.

Skyview Financial Group, LLC, a registered investment advisor, was founded in August 2020 and is owned and operated by Alexander R. Potenza, who serves as the President and Chief Compliance Officer. The firm offers investment advisory services to individuals, high net worth individuals, and retirement plans, acting as a fiduciary to clients. Skyview Financial Group provides customized investment advisory solutions, including discretionary investment management and financial planning services. The firm primarily employs fundamental and technical analysis methods in developing investment strategies. Clients have the option to place reasonable restrictions on the types of investments in their portfolios. The firm manages $273,866,537 in assets on a discretionary basis as of December 31, 2024. The fee structure includes investment advisory fees up to 1.50% annually, based on factors such as the complexity of services and assets managed. The firm operates a Wrap Fee Program, where normal securities transaction fees are included in the overall investment advisory fee. Skyview Financial Group does not charge performance-based fees and does not receive compensation for securities transactions. The firm encourages clients to read the full Disclosure Brochure and discuss any questions with the advisor. Alexander R. Potenza holds the CIMA® certification and has a background in financial services, serving as President and Chief Compliance Officer at Skyview Financial Group since 2020. No disciplinary events or additional compensation are reported for Mr. Potenza.