Old Mission Investment Company, LLC, established in 2006, is an independent fee-based investment advisory firm that offers personalized investment management services to various clients, including trusts, individuals, and retirement plans. The firm focuses on managing portfolios of mutual funds, exchange-traded funds, individual stocks, and bonds, tailored to meet clients' financial, estate, and investment needs. They emphasize a holistic approach to financial planning and risk profiling to address safety, liquidity, growth, or income requirements. The firm's four principal members are actively involved in investment and overall management. Old Mission Investment Company provides fee-based investment solutions with fees ranging from 0.25% to 1.75% of assets under management, billed quarterly in advance. Clients may also engage the firm for financial planning or consultation services at hourly rates or project-based fees. The firm primarily utilizes fundamental analysis and asset allocation strategies, recommending mutual funds and exchange-traded funds for diversification. They do not charge performance-based fees and do not have any disciplinary actions to report. The firm serves a wide range of clients without enforcing a minimum account size, with portfolios typically ranging from $100,000 to $50,000,000. Old Mission Investment Company exercises investment discretion for most client accounts, making major investment decisions on behalf of clients. They do not vote proxies on behalf of clients and do not have soft dollar arrangements. The firm prioritizes client privacy and maintains strict confidentiality of client information.

Hemming& Wealth Management, Inc. is a financial advisory firm based in Traverse City, Michigan. It currently has approximately $171,459,858 of assets under management and employs about 9 people. Hemming& Wealth Management, Inc. uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Up North Financial, LLC is a registered investment adviser based in Traverse, MI, established on July 31, 2009. The firm offers financial planning, consulting, and investment management services. Clients can engage in discretionary or non-discretionary asset management, with a focus on individual securities, mutual funds, ETFs, and other investment products. The firm tailors its services to clients' needs, considering factors like risk tolerance and time horizon. Clients have the freedom to accept or reject recommendations and retain control over implementation decisions. For financial planning and consulting services, fees are negotiable, typically up to $5,000. Investment management fees are based on a percentage of assets under management, ranging from 0.25% to 2.00%. UNF does not charge performance-based fees. The firm acts as a fiduciary and does not vote client securities. Clients receive regular account reviews and statements, with ongoing communication to review services and address any changes in financial situations or objectives. UNF recommends utilizing Fidelity for brokerage and clearing services, considering factors like financial strength and service quality. The firm may receive economic benefits from Fidelity, including research services and software support. UNF may exercise investment discretion with client authorization and does not vote client securities. The firm does not have any disciplinary disclosures or financial impairments. For more information, visit www.upnorthfinancial.com.

Optimal Capital Advisors, LLC is a registered investment advisor based in Traverse City, Michigan. Established in April 2006, the firm is owned and operated by Joseph Batcha, the Founder & CIO. Optimal Capital offers investment management services on a discretionary basis, constructing portfolios based on clients' investment objectives. The firm utilizes a dynamic blend of strategic and tactical asset allocation, with a focus on global stocks, global bonds, commodities, private funds, and related securities. For investment management services, Optimal Capital charges a fee based on a percentage of assets under management, with rates ranging from 0.75% to 1.50% depending on the asset level. The firm also provides financial planning and consultation services covering various aspects such as cash flow planning, income tax planning, estate planning, and retirement planning. Optimal Capital may act as a sub-adviser to private funds and offers a diversified suite of hedge funds through its Optimal Alternative Titans program. Clients have the option to grant Optimal Capital a limited power of attorney for trading activities in their accounts. The firm does not take discretion with respect to voting proxies on behalf of clients. Optimal Capital does not have any financial conditions that would impair its ability to meet commitments to clients.

Legacy Financial Services Group, Inc. is a fee-based investment management firm located in Traverse City, Michigan, specializing in investment advisory services for investors. Established in 2001 and registered as an investment adviser in 2006, the firm is owned by Derek Weeks. They offer personalized financial planning and investment management services, including cash flow management, tax planning, retirement planning, and estate planning. Legacy Group provides discretionary investment management and supervisory services for a fee based on a percentage of assets under management. The minimum account size is $250,000, with an annual fee of $3,750. Clients have investment discretion, with Legacy Group making recommendations and implementing decisions based on client objectives. The firm does not charge performance-based fees and does not have custody of client funds. Investment strategies include strategic asset allocation and global diversification. Legacy Group's professionals have not been involved in any disciplinary events. Clients are encouraged to vote their own proxies, and the firm has a Business Continuity Plan and Information Security Program in place. For more information, clients can contact Carolyn Weeks or Kelly Kazmierski at 231-933-0631 or [email protected].