CWS Financial Advisors LLC is a Michigan-based firm established in April 2018, offering investment and wealth management services on a discretionary or non-discretionary basis. The firm provides financial planning and consulting services, including retirement plan consulting. Clients can engage the firm to manage various investment products, with asset management services tailored to individual investment objectives, goals, and risk tolerance. CWSFA may delegate asset management to independent managers and charges fees based on assets under management, ranging from 30 to 100 basis points. The firm does not participate in wrap fee programs and had over $1.2 billion in discretionary assets under management as of December 31, 2024. Clients are typically individuals, trusts, estates, charitable organizations, corporations, and business entities, with a minimum account size of $500,000. CWSFA does not engage in principal trading, provides investment discretion, and does not receive soft dollar benefits. The firm has custody of client assets for fee deduction purposes and may exercise limited power of attorney for trading activities. CWSFA does not vote client securities proxies and has no financial conditions impairing its ability to meet client commitments.

TruNorth Capital Management, LLC is a fee-only Registered Investment Adviser founded in 2012, based in Kalamazoo, Michigan. The firm primarily serves high-net-worth individuals, families, corporations, and employer-sponsored retirement plans. The majority owners are Brian Mullally and Kevin Miller, with Kristin Bennett and Jean-Claude Morisset as minority owners. TruNorth Capital offers individualized investment management services and retirement planning, acting as a fiduciary to clients. The firm does not use Artificial Intelligence for investment strategies. Clients have discretion over self-directed assets, with a minimum quarterly fee of $1,250. The fee schedule is tiered based on assets under management, starting at 0.33% for the first $2 million. TruNorth Capital does not engage in performance-based fees or side-by-side management. The firm provides services to various clients, including individuals, families, retirement plans, and corporations, without imposing a minimum account size. TruNorth Capital's investment strategies focus on diversified management using mutual funds, ETFs, bonds, and CDs to optimize risk and return opportunities. The firm does not have any disciplinary events and does not receive compensation for client referrals. TruNorth Capital uses Charles Schwab & Co., Inc. as the primary custodian and does not engage in soft dollar relationships. Clients grant the firm limited investment discretion, and they retain proxy voting authority. TruNorth Capital does not require prepayment of fees and has no financial conditions that could impair its ability to meet client commitments.

Long Road Investment Counsel, LLC is a registered investment adviser established in April 2014 by Charles D. Wattles, a CFA with significant experience in investment management. The firm offers discretionary investment management services tailored to clients' specific needs, focusing on equity securities, corporate debt securities, mutual funds, and government securities. As of December 31, 2024, the firm managed $315,645,000 in client assets. For fees, Long Road charges .8% per year on the first $1,000,000 in assets, .75% on the next $4,000,000, and .5% on remaining assets. Fees are billed quarterly in advance based on the initial market value of assets. The firm does not charge performance-based fees and requires a minimum account size of $1 million, with the discretion to waive this requirement. The firm's investment strategies are long-term and growth-oriented, focusing on companies with attractive characteristics. They conduct fundamental analysis and consider various factors in their investment decisions. Long Road does not use solicitors for client referrals and does not vote proxies unless agreed upon in writing. The firm does not have custody of client assets except in specific trust accounts. They do not vote proxies for clients unless authorized and have a Proxy Voting Policy in place. Long Road Investment Counsel, LLC has no financial commitments impairing its ability to meet contractual obligations.

N.V.N.G. Investments Inc., located in Kalamazoo, MI, offers investment supervisory services, managing investment advisory accounts for individuals, trusts, and corporations. They provide advice on a variety of investments, including equity securities, foreign issuers, warrants, and municipal securities. The firm's security analysis methods include fundamental analysis, utilizing sources like financial newspapers, corporate activities inspections, and annual reports. Investment strategies involve long-term and short-term purchases, margin transactions, and short sales. The firm reviews accounts regularly, with reports issued quarterly to clients. The sole shareholder, Robert W. Huiskamp, conducts account reviews. N.V.N.G. Investments Inc. has discretion over determining securities to buy or sell, amounts to trade, and broker selection. They do not compensate for client referrals and do not require a minimum account size. The firm does not have custody of client funds but provides a balance sheet if prepayment exceeds $500 per client.