Better Money Decisions, LLC, a registered investment adviser, was established in September 2014 and transitioned to an SEC registered firm in May 2019. The firm, owned and managed by Lorraine Ell and Lea Ann Garrison Knight, offers Financial Wellness for Life® (FWL) services, including comprehensive financial planning and investment management. Clients with over $300,000 in managed accounts are eligible for the Assets Under Management Fee, ranging from 1.25% to 0.75%. The firm's investment philosophy focuses on value, safety, and quality, with an emphasis on risk control. Better Money Decisions uses a combination of technical and fundamental methods for analysis and offers discretionary trading authority over client accounts. Clients retain responsibility for voting proxies on securities. The firm does not charge performance-based fees and typically requires a minimum account value of $300,000 for its services. Better Money Decisions has a business continuity plan in place and follows a strict privacy policy to protect client information. For more information, visit www.bettermoneydecisions.com or contact 844-507-0961.

Santa Fe Advisors, LLC is a financial advisor firm founded in 2014 by David E. Marion, Kristina E. Alley, and David B. Kantor. David Marion, a Chartered Financial Analyst, has a background in finance and investment management, having worked at JP Morgan and First Santa Fe Advisors, LLC. Kristina Alley, a CERTIFIED FINANCIAL PLANNER™ professional, has experience in managing portfolios for high net worth clients. David Kantor, with a background in economics and finance, has worked at Prudent Management Associates and Cambridge International Partners, Inc. The firm's advisors have no disciplinary events on record and provide investment advisory services in compliance with regulations. Santa Fe Advisors has no minimum initial investment specified, and the fee structure is not detailed in the brochure. The advisors are fiduciaries, acting in the best interests of their clients. Clients have varying levels of control over their investments based on the firm's investment strategies and methods of analysis, which are not explicitly outlined in the brochure. The firm's Chief Compliance Officer, Kristina Alley, oversees the supervision and compliance practices. For more information or inquiries, clients can contact Kristina Alley at (505) 501-6200.

Horizons Sustainable Financial Services, Inc. is a Sustainable, Responsible, Impact investing (SRI) advisory firm committed to building a sustainable and socially just world through sound investment practices. Established in 2013 in New Mexico, the firm specializes in Environmental-Social-Governance (ESG) investing, Socially Responsible Investing, and other values-based investment strategies. Acting as a fiduciary, Horizons puts clients' interests first, providing a range of investment advisory and financial planning solutions. Clients can engage in financial planning, investment consultation, and investment management services, with a focus on cash flow analysis, risk management, retirement planning, tax planning, and estate planning. The firm offers both discretionary and non-discretionary investment management services, with accounts typically maintained at Charles Schwab & Co., Inc., or Folio Institutional/Goldman-Sachs, Inc. Horizons charges fees based on assets under management, with annualized asset-based fees not exceeding 1.60%. The firm does not engage in performance-based fees or side-by-side management. Clients are encouraged to review account statements directly from custodians and participate in periodic reviews to ensure alignment with their financial goals. Horizons does not receive compensation for client referrals and maintains a transparent approach to managing client assets.