Vestmark Advisory Solutions, Inc. is a registered investment advisor established in October 2014 and registered with the SEC since September 2018. The firm, based in Wakefield, Massachusetts, primarily serves financial advisors, offering sub-advisory services to manage client accounts under the guidance of financial advisors. VAS provides various advisory tools and extends services to independent financial advisors, institutions, broker-dealers, and registered investment advisors. Investment strategies offered by VAS include Manager Model Delivery, Separate Account Management, and Overlay Management. VAS also provides personalized investing through VAST, which includes services like Direct Indexing and Tax-Aware Transition Services. The firm's fee structure varies based on the service provided, ranging from 0 to 30 bps for different services. Clients should be aware that VAS calculates management fees based on targeted investment allocations, which may result in fees being charged on assets not fully transitioned into the model. VAS does not accept performance-based fees and primarily serves institutional clients, with some dual-contract agreements allowing service to retail clients. The firm has not been subject to disciplinary actions and does not receive compensation for client referrals. Clients' securities and funds are not held in custody by VAS, and the firm exercises investment discretion in certain circumstances. VAS has established a Code of Ethics and Proxy Voting Policy to ensure ethical conduct and voting in the best interests of clients.

Sentinel Pension Advisors Inc., established in Wakefield, MA, offers the SPA Wrap Fee Program, a fee-based program granting discretionary authority over clients' assets to develop custom-tailored investment portfolios. Clients pay a single asset-based fee, with a minimum account size of $25,000. The firm's investment strategy involves no-load mutual funds, select load-waived mutual funds, and ETFs. Clients can choose from nine model portfolios based on their investment goals. SPA follows a disciplined research and evaluation process to select appropriate investments. The firm's services include account rebalancing, with client accounts typically rebalanced annually. SPA is a fiduciary and does not disclose nonpublic personal information to third parties. The firm is affiliated with Focus Financial Partners, LLC, and Sentinel Securities, LLC. Clients may be introduced to SPA through promoters, who receive referral fees. SPA's Code of Ethics ensures employees act in clients' best interests. The firm's privacy policy safeguards client information. Clients are informed of potential conflicts of interest, including employees' personal trading restrictions. SPA reviews accounts annually and provides performance reports quarterly. The firm's financial information indicates stability and no bankruptcy history. As a state-registered advisor, SPA meets all regulatory requirements.

Barbara Nan Reed is a Registered Investment Adviser at Flagship Wealth Advisors, LLC, with a Masters Degree from New England Conservatory of Music and a Bachelors Degree from Eastman School of Music. She has been with Flagship Wealth Advisors since 2018 and has professional experience in various roles, including as a Business Manager and Executive Director in different industries. Barbara holds professional designations such as Series 7 and Series 66, indicating her expertise in securities and investment advisory services. Barbara has no reportable disciplinary matters and serves as both an investment adviser and registered representative for Royal Alliance Associates. Clients should note that she may recommend securities offered by Royal Alliance and may receive commissions or other forms of compensation from them. Barbara is supervised by Royal Alliance and has an appointed supervisor at Flagship Wealth Advisors, LLC. Clients interested in learning more about Barbara's background and qualifications can visit the SEC's website. There are no material disciplinary items to report, and clients can contact the Massachusetts Securities Division for further information on disciplinary histories.