FSC Wealth Advisors, LLC is an independent investment advisory firm based in Fishkill, New York, registered with the SEC since 2010. They offer fee-only investment supervisory, portfolio management, and financial planning services to various clients, including individuals, businesses, retirement plans, trusts, estates, and charitable organizations. The firm follows strict fiduciary standards, prioritizing clients' interests and avoiding conflicts of interest. They primarily use broadly diversified portfolios and systematic strategies to manage investments, with a focus on client input and involvement in the financial planning process. Clients typically grant FSC discretionary authority over their investments, allowing the firm to make decisions without prior approval for most matters. FSC may recommend specialized separately managed account strategies, including direct indexing and covered call options, tailored to individual client needs. The firm also provides educational workshops and seminars on financial topics. Fees are primarily based on assets under management, with negotiable hourly or fixed-rate options available for financial planning services. Clients pay no commissions on discretionary trades initiated by FSC, but may incur fees for client-directed trades. FSC does not manage Wrap Fee programs and has $283,104,630 of client assets under discretionary management as of December 31, 2024. The firm conducts regular account reviews, provides written reports to clients, and emphasizes transparency in its business practices. FSC has a Code of Ethics that all employees must follow, ensuring high standards of conduct and fiduciary duty. They do not charge performance-based fees or engage in side-by-side management. Clients are encouraged to review statements from the custodian and compare them to reports provided by FSC.

**Murphy Wealth Management Group Summary:** Established in March 1991 by Daniel J. Murphy Jr., Murphy Wealth Management Group offers fee-based investment advisory services and financial planning primarily to individual and high-net-worth clients. The firm transitioned to offering investment advisory services directly in December 2015. They provide ongoing investment advice through custodial accounts at LPL Financial, offering services on a discretionary basis with a minimum account value of $100,000. As of November 21, 2024, the firm manages over $215 million in discretionary assets. Investment strategies are tailored to individual client needs, utilizing fundamental and technical analysis, as well as Modern Portfolio Theory. **Fees and Compensation:** Fees are based on a percentage of assets under management, with a standard fee schedule ranging from 0.70% to 1.25%. Financial planning and consulting services are offered on an hourly or fixed fee basis, with fees negotiable based on the scope of services. The firm does not accept performance-based fees. Clients may incur additional charges from third parties, such as mutual fund fees and transaction charges. **Other Financial Industry Activities:** Murphy Wealth Management Group's investment advisor representatives are also registered representatives of LPL Financial, offering insurance products on a commission basis. The firm receives support services from LPL Financial, including custody of securities and trade execution. Daniel J. Murphy has received Restricted Stock Units from LPL Financial, presenting a potential conflict of interest. **Investment Discretion:** Clients can engage the firm on a discretionary basis, granting full authority to Murphy Wealth Management Group for investment transactions. Clients have the option to place restrictions on certain types of investments. This summary is based on the information provided in the Murphy Wealth Management Group brochure as of January 2025. Clients are encouraged to review the full brochure for comprehensive details.