Nottingham Advisors Inc. is an SEC registered investment adviser established in September 1982 and is a wholly-owned subsidiary of Community Bank N.A. The firm specializes in asset management and investment advisory services, managing over $1.3 billion in assets as of December 31, 2022. Nottingham Advisors offers financial planning and investment consulting services, tailoring its strategies to individual client needs. The firm primarily manages investment portfolios on a discretionary basis, allocating assets among various securities and investment vehicles. Nottingham Advisors offers five unique asset allocation strategies using ETFs, six strategies using actively managed mutual funds, and four ESG-focused strategies. The firm's investment philosophy involves a core/satellite framework, utilizing mean-variance optimization for asset allocation. Nottingham Advisors charges fees based on a percentage of assets under management, varying between 0.50% and 1.00% annually. The firm may receive compensation for client referrals and maintains relationships with affiliated entities. Nottingham Advisors exercises investment discretion on behalf of clients and does not accept proxy voting authority. Clients are encouraged to review their account statements and reports provided by the firm regularly. The firm does not disclose any disciplinary information or financial data in the brochure. For more information, clients can contact Nottingham Advisors directly.

Level Financial Advisors, Inc. is a financial planning and investment management firm established in 1979. The firm is owned by Rosanne Braxton, Steven Elwell, Michael Heburn, and Elise Murphy. They act as fiduciaries, obligated to act in the best interest of clients, particularly those with retirement plans or IRAs. Level supervises investment portfolios for individuals, families, trusts, and non-profit organizations, offering services such as retirement planning, education planning, and estate planning. They provide discretionary investment advisory services on a fee-only basis, with fees based on a percentage of assets managed. The firm offers diversified mutual fund and ETF portfolios, ranging from conservative to aggressive, tailored to clients' needs. Level also offers financial planning services on a limited basis for clients without sufficient assets for investment management. The firm does not charge performance-based fees, offers cash management services, and does not accept directed brokerage arrangements. Clients receive detailed quarterly reports on portfolio performance and holdings. Level does not have custody of client funds but uses a third-party platform for managing held-away assets with discretion. Clients have the authority to vote on issues related to their securities. For more information, clients can contact Level's Chief Compliance Officer, Bethany Wagner, IACCP®.

McCollum Christoferson Group, LLC is a registered investment adviser offering investment management services to clients through individual securities portfolios and American Funds portfolios. The firm, wholly owned by Katherine A. Christoferson, had $441,673,577 under management for 367 clients as of December 31, 2024. Clients are required to enter into written agreements outlining the terms of the advisory relationship. The firm primarily utilizes fundamental and technical analysis for investment decisions. For Standard Portfolios, the firm charges an annual fee based on a blended fee schedule depending on the portfolio value. American Funds Portfolios are charged an annual fee of .50% based on assets under management. McCollum Christoferson Group may negotiate fees based on certain criteria. Clients may impose restrictions on account management in writing. The firm exercises investment discretion over client accounts, allowing it to make decisions on securities transactions without client consent. McCollum Christoferson Group may vote proxies on behalf of clients and has a policy to vote in the best interest of clients. The firm does not provide compensation for client referrals and does not have custody of client funds. Clients receive regular account statements and reports. McCollum Christoferson Group does not have any disciplinary events, financial industry activities, or affiliations to disclose. The firm has a Code of Ethics in place to prevent unlawful practices. Clients must maintain a minimum relationship size of $500,000.