Stone Hill Fiduciary Management, LLC is a New York-based investment advisor and independent ERISA fiduciary established in July 2012. The firm specializes in providing discretionary investment advisory services and fiduciary services to retirement plan sponsors under ERISA. Stone Hill assists plan sponsors in selecting and monitoring investments, managing plan administration, and providing fiduciary guidance. The firm acts as a named fiduciary for plan investments and administration, exercising discretionary authority and control. Stone Hill has $1,800.1 million in plan assets under management as of February 28, 2023. Regarding fees, Stone Hill charges a minimum annual fixed rate of $25,000 for its services, payable quarterly in advance. The firm may also serve as a sub-adviser to an SEC-registered investment adviser, with fees negotiated and paid on a quarterly basis. Stone Hill does not charge performance-based fees. Clients must consent to fee payments in advance from a designated account. The firm has a Code of Ethics in place to maintain high professional standards and prioritize client interests. Stone Hill does not engage in brokerage practices but recommends recordkeepers for client accounts. Clients retain voting authority for securities held in their accounts. Stone Hill is financially sound and has not been subject to bankruptcy proceedings.

Sag Harbor Capital Management, LLC is a New York-based investment adviser registered with the SEC since January 1, 2007. The firm specializes in providing investment management services to private investment vehicles, including the W Financial Fund and Alternative Opportunities Fund. They offer discretionary investment authority over assets, primarily focusing on short-term real estate loans and acquiring multifamily properties in New York City. As of December 31, 2024, they managed $455,227,097 in client assets on a discretionary basis. Fees are charged based on a management fee and a performance-based fee, with expenses paid by the funds for legal, auditing, and investment-related costs. The firm does not participate in wrap fee programs and does not accept compensation for the sale of securities. Clients include high net-worth individuals and trusts, with minimum investment amounts specified in the offering documents. SHCM exercises investment discretion for the funds and provides regular reports to investors. The firm has not been involved in any material legal or disciplinary events and has implemented a code of ethics to maintain high ethical standards. They do not recommend investments in which they have a financial interest and do not invest in the same investments recommended to clients simultaneously.

Palumbo Wealth Management, LLC is a registered investment advisor established in November 2019 and registered in January 2020. The firm specializes in offering investment advisory services to high-net-worth individuals, families, trusts, estates, businesses, and retirement plans. As a fiduciary, the firm upholds a duty of loyalty, fairness, and good faith towards clients. PWM provides wealth management services, including discretionary investment management and financial planning. The firm's investment strategy involves long-term focus, utilizing mutual funds, ETFs, individual equities, and bonds. PWM may recommend the use of independent managers for client portfolios. The firm charges advisory fees ranging from 0.50% to 1.75% annually based on various factors. PWM does not charge performance-based fees and does not manage proprietary investment funds. Clients must have a minimum relationship size of $500,000, which may be reduced at the advisor's discretion. PWM does not accept custody of client accounts, except for specific circumstances related to fee deductions and money movement. The firm has a Privacy Policy in place to protect clients' personal information and maintains security measures to safeguard data. Clients have the right to limit the sharing of their personal information. For more details, clients can contact the advisor at (516) 629-7536.

Cross Shore Capital Management, LLC is an investment adviser based in Great Neck, New York, established in November 2002 and registered with the SEC since January 2006. The firm specializes in providing investment management and supervisory services on a discretionary basis to pooled investment vehicles, focusing on fund of hedge funds or private equity strategies for sophisticated and institutional investors. The firm's managing members, Victor Linell, Neil Kuttner, and Benjamin Bloomstone, have extensive experience in the financial services industry. Clients of Cross Shore Capital Management, LLC are typically pooled investment vehicles, and the minimum initial investment for investors is disclosed in each fund's offering document. The firm charges investment management fees ranging from 0% to 1.5% per annum, calculated quarterly based on account values. Performance-based compensation, ranging from 0% to 10.0%, is also charged based on net profits. The firm may waive or reduce fees for certain investors. Cross Shore Capital Management, LLC employs various investment strategies, including fundamental research and quantitative analysis, focusing on equity long/short strategies among others. Clients have limited control over investment decisions, as the firm operates on a discretionary basis. The firm's investment philosophy involves analyzing underlying money managers and employing strategies such as buy and hold, fundamental value, growth, short selling, leverage, hedging, and global macro investing, among others. Cross Shore Capital Management, LLC emphasizes risk management and acknowledges potential risks associated with market volatility, global economic conditions, leverage, illiquidity, and specific investment strategies. The firm operates as a fiduciary, prioritizing clients' interests and complying with applicable laws and regulations.

Kutz & Company Inc. is an accounting and financial planning firm established in 1995, offering tax, accounting, financial planning, and asset management services. The firm is solely owned by Andrew Kutz, a licensed CPA since 1985. Services include comprehensive financial planning at an hourly rate of $275, with fees based on the complexity of each case. Discretionary asset management services are offered at rates between .67% to 1.00% of assets under management per annum, with a minimum account size of $100,000. The firm primarily uses no-load mutual funds, ETFs, fixed income, and cash in client accounts, avoiding load funds, individual issues, and options. Clients receive quarterly statements and regular communications. Fees for financial planning are billed at $275 per hour, while asset management fees range from .67% to 1.00% per annum, based on average monthly assets under management. Clients may terminate the service agreement at any time, with fees deducted from client accounts or billed directly. The firm does not receive commissions on securities or insurance products. Kutz & Company Inc. does not use performance-based fees or side-by-side management. The firm serves individuals, professionals, trusts, and high net worth individuals, with a minimum account size of $100,000. Investment strategies are tailored to each client's risk profile and needs, with a focus on diversified mutual funds and ETFs. The firm does not vote client securities and does not require prepayment of client fees.

RGA Investment Advisors, LLC, led by Managing Partner Jason M. Gilbert, CPA/PFS, CFF, CGMA, offers financial advisory services at 185 Great Neck Road, Suite 306, Great Neck, NY. Jason Gilbert's educational background includes an M.S. from George Washington University and a B.A. from the University of Michigan, Ann Arbor. Holding licenses as a Certified Public Accountant, Personal Financial Specialist, and Certified Financial Forensics, Gilbert has extensive experience in financial planning and forensic accounting. He also passed the Series 65 Examination in 2009. With work experience at firms like General Atlantic and KPMG, Gilbert has been with RGA Investment Advisors since 2009. The firm's supervision structure ensures thorough oversight, with a partnership committee overseeing functions like management and client service. Gilbert is also involved with Soundview Private Wealth, LLC, focusing on estate planning and wealth management. Clients benefit from tailored tax planning strategies aligned with estate goals. Jason Gilbert does not receive additional compensation from other businesses, and the firm's advisory services emphasize educating clients on investment recommendations.