Gradient Investments, LLC is an independent SEC registered investment advisor established in [Year]. The firm specializes in providing investment management services to various clients, including institutional accounts, individuals, pension and profit-sharing plans, trusts, estates, corporations, charitable organizations, and small businesses. Gradient Investments is strictly a fee-only investment management firm and does not sell products for commissions. Clients maintain ownership of their assets, and the firm places trades under a limited power of attorney. The firm offers various managed portfolios, including Strategic, Tactical, Allocation, Defined Outcome, and Preservation portfolios. Account minimums range from $25,000 to $100,000, with discretionary management services based on individual client goals, objectives, time horizon, and risk tolerance. Fees are assessed quarterly based on assets under management and are negotiable based on the overall relationship. Gradient Investments' investment strategies include fundamental, technical, and cyclical analysis, focusing on risk exposure, investment strategy, and performance. The firm's investment philosophy emphasizes long-term objectives and risk management. The team includes experienced professionals with certifications such as Chartered Financial Analyst (CFA®), Chartered Financial Consultant (ChFC), and Chartered Life Underwriter (CLU). The firm's executive officers and management, including Nathan Lucius, Michael Binger, Jonathan VanOrden, Nicole Alexander, and Jeremy Michael Bryan, bring a wealth of experience in the financial services industry. They oversee various aspects of the firm's operations, compliance, portfolio management, and client services. Gradient Investments maintains a strong commitment to compliance, ethical conduct, and acting in the best interests of its clients.

Financial Dimensions Group, Inc. is a financial advisory firm based in Arden Hills, Minnesota. It currently has approximately $1,736,026,904 of assets under management and employs about 51 people. Financial Dimensions Group, Inc. uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Pitzl Financial, LLC is a registered investment adviser providing advisory services since 2014. The firm manages investment portfolios for individuals, trusts, charitable organizations, businesses, and retirement plans, primarily recommending portfolios of passively managed asset class and index mutual funds, including those offered by Dimensional Fund Advisors (DFA). Pitzl Financial, LLC may also use exchange-traded funds, individual equities, and actively managed mutual funds at its discretion. The firm offers financial planning services, including detailed financial reports and customized Financial Playbooks. Clients can engage in the HYPE program for automated investment services. Pitzl Financial, LLC charges an annual fee based on a percentage of assets under management, with fees negotiable for financial planning services. The firm does not charge performance-based fees and acts in a fiduciary capacity, placing clients' interests first. Clients have investment discretion and receive quarterly performance reports. Pitzl Financial, LLC does not vote proxies on behalf of clients and does not participate in legal proceedings involving client securities. The firm has no financial commitments impairing its ability to meet client obligations. For more information, visit www.pitzlfinancial.com.

Gradient Advisors, LLC is an SEC-registered investment advisor established in 2009, located in Arden Hills, Minnesota. The firm offers investment management, financial planning, and consulting services, acting as a fiduciary to act in the best interest of each client. They provide tailored financial plans, asset management services, and referral arrangements with third-party money managers. As of December 31, 2024, Gradient Advisors had approximately $218,611,411 in regulatory assets under management and $772,058,542 in assets under administration. Regarding fees, clients can expect hourly rates ranging from $50 to $300 for financial planning services, and fixed fees ranging from $300 to over $2,000. Asset-based fees for asset management services can be up to 1.5% annually. The firm may receive referral fees from third-party money managers, but they do not receive external compensation for the sale of securities to clients. The firm's investment strategy is based on client objectives, with a focus on fundamental, technical, and cyclical analysis. Clients are informed about security-specific risks and are encouraged to vote on their securities' proxies. Gradient Advisors does not have discretionary authority for trading and does not custody client assets. The firm's executive officers, Adam Estall and Catherine Peters, hold various certifications and have extensive experience in the financial services industry.