Valley Wealth Managers, Inc. (VWM) is a registered investment adviser offering investment management strategies, financial planning services, and wrap fee advisory programs. Established in 2023, VWM specializes in discretionary and non-discretionary programs, including Valley Strategic Portfolios (VSP), Separately Managed Accounts (SMA), Unified Managed Accounts (UMA), Valley Client Advisor (VCA), and Valley Excess Liquidity Advisor (VELA). Clients can choose from various portfolio managers, mutual funds, and individual securities based on their investment goals. VWM operates under a wrap fee arrangement, charging a single fee based on the market value of assets in the client's account. The firm's fee structure is negotiable, with a maximum Total Client Fee of 2.50%. VWM's investment committee oversees portfolio management decisions, and clients have the option to impose reasonable investment restrictions. The firm maintains a Code of Ethics, ensuring transparency and ethical conduct in personal securities transactions. VWM does not have any disciplinary events in the past ten years.

Private Portfolio Partners, LLC is a financial advisory firm based in Paramus, New Jersey. It currently has approximately $812,053,011 of assets under management and employs about 28 people. Private Portfolio Partners, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Breakwater Capital Group is a registered investment adviser founded in 2022 and owned by Jeffrey C. Hanson. The firm provides investment advisory services to various clients, including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. Services offered include financial planning, wealth management, consulting, retirement plan advisory, and trustee services. Breakwater Capital Group acts as a fiduciary, meaning they are required to act in the best interests of their clients. The firm does not charge performance-based fees and does not engage in side-by-side management. Clients have the option to authorize the firm to debit fees directly from their accounts. The firm's employees, including Jeffrey C. Hanson, Madeline R. Barconi, and Thomas J. Mullen, hold professional designations such as CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Divorce Financial Analyst® (CDFA®). The firm's fee structure includes financial planning fees, wealth management fees based on assets under management, and consulting fees. Breakwater Capital Group does not have a minimum account size but has a minimum annual fee of $5,000. The firm does not receive soft dollar benefits and does not vote proxies on behalf of clients. Clients receive quarterly account statements from the custodian holding their assets. The firm's employees have not been involved in any disciplinary actions, and they are supervised by Thomas J. Mullen, the Chief Compliance Officer and Chief Operations Officer.

Watters Financial Services, LLC is a Registered Investment Advisor (RIA) established in 2007, based in Paramus, NJ. The firm specializes in wealth management, business retirement plan consulting, and portfolio reviews. They are an independent firm not affiliated with any investment firm, bank, or insurance company, and they do not sell investment products or insurance policies. Watters Financial Services operates on a Fee-Only compensation model, ensuring objective and unbiased advice for clients. The firm upholds a Fiduciary Standard of Care, legally required to act in the best interests of clients. All advice is provided by CERTIFIED FINANCIAL PLANNER™ Professionals. For wealth management clients with assets over $500,000, the annual fee ranges from 0.60% to 1.00% based on assets under management. The firm offers investment discretion, allowing clients to choose between discretionary or non-discretionary management. Investment strategies include mutual funds, ETFs, bonds, and tailored financial planning services. The firm does not charge performance-based fees or engage in side-by-side management. Watters Financial Services serves over 100 families, managing over $170 million in assets, with an average client tenure of 15 years. The firm caters to business owners, corporate executives, professionals, and individuals transitioning to retirement. The firm's principals, Timothy J. Watters and Colin R. Watters, are CERTIFIED FINANCIAL PLANNER™ Professionals with extensive experience in the financial industry. The firm's brokerage practices involve Charles Schwab & Co., providing custody, trade execution, research, and access to institutional products. Watters Financial Services does not receive soft dollars or compensation for client referrals. The firm does not vote proxies on behalf of clients and maintains transparency in all financial dealings. Timothy J. Watters oversees all operations and ensures compliance with the firm's Code of Ethics. No disciplinary actions have been taken against the firm or its principals.