**Background and Expertise:** GM Advisory Group, LLC, operating as Wealthspire Advisors, is a registered investment adviser established in 2004 and converted to an LLC in 2023. It succeeded GM Advisory Group, Inc. and became a subsidiary of Wealthspire Advisors LLC after being acquired by NFP, an Aon company. The firm offers discretionary and non-discretionary investment management services, primarily through a wrap fee program, and also provides financial planning and consulting services. Wealthspire specializes in strategic asset allocation to meet clients' investment objectives. **Consumer-Facing Terms:** - **Minimum Initial Investment:** Not specified. - **Fee Structure:** Clients in the Program pay a single specified annual fee based on assets under management, with varying percentages depending on the asset level. - **Fiduciary Status:** Wealthspire acts as a fiduciary, putting clients' interests first. - **Investment

J. J. Burns & Company, LLC is a Registered Investment Adviser established in 2006 by James Joseph Burns, CFP. The firm specializes in managing individually tailored investment portfolios on a discretionary basis, with assets under management totaling $1,069,875,158 as of December 31, 2024. Services include Investment Management and Financial Planning, focusing on clients' goals and circumstances. The firm charges an annual advisory fee of 1.25% for accounts under $2,000,000 and 1.00% for accounts $2,000,001 and above, debited quarterly. Financial Planning services are offered on a fixed fee basis ranging from $3,000 to $30,000 per annum. J. J. Burns & Company does not participate in wrap fee programs and primarily utilizes fundamental analysis for investment decisions. Clients include individuals, high net-worth individuals, pension plans, trusts, and charitable organizations, with a minimum account size requirement of $1,000,000. The firm acts as a fiduciary, putting clients' interests first, and does not engage in performance-based fees. Clients have investment discretion, and the firm does not vote client securities. JJBCO does not have any disciplinary history and maintains a Code of Ethics to ensure compliance with federal securities laws. The firm receives client referrals through Schwab Advisor Network and may recommend maintaining accounts at Charles Schwab & Co. for custody and trading services.

Frisch Financial Group, Inc. is a registered investment adviser established in 1999 in New York, offering investment advisory services and financial planning as a fiduciary. Clients can opt for discretionary and/or non-discretionary services, with fees up to 2.0% of assets managed, subject to a quarterly minimum of $2,500. Frisch Financial may charge for financial planning services separately. The firm's investment philosophy focuses on long-term opportunities and diversification to manage risks. Investment strategies include long-term purchases, short-term purchases, trading, and options. Frisch Financial utilizes various methods of security analysis, such as charting and fundamental analysis. Clients are encouraged to review financial planning issues annually and notify the firm of any changes in financial situations. Frisch Financial does not participate in wrap fee programs and managed over $789 million as of December 31, 2024. The firm may receive economic benefits from third parties, such as support services, without additional client charges. Frisch Financial does not vote client proxies and does not solicit fees exceeding $1,200 in advance. The firm maintains custody of client funds through direct fee debiting and trustee services, with an annual surprise examination conducted for compliance.

Accrued Equities Inc. is a financial advisory firm based in Melville, New York. It currently has approximately $378,630,909 of assets under management and employs about 5 people. Accrued Equities Inc. uses a fee structure of and a percentage of assets under your management.

Heller Wealth Management (HWM) is a registered investment adviser firm based in Melville, NY, established in 2003. The firm, led by principal Larry Heller CFP®, CPA®, primarily offers discretionary investment advisory services for individuals, pension and profit-sharing plans, trusts, and business entities. HWM recommends investments such as no-load institutional class mutual funds and individual fixed income securities based on clients' objectives. Additionally, the firm provides financial planning and consulting services covering estate planning, taxes, insurance, and more. HWM may act as a fiduciary for retirement plans, managing investment policy and options. The firm manages assets totaling $445,853,734 as of February 2025. For fees, HWM charges a percentage of assets under management, with an annual investment management fee starting at 1.00% for assets up to $2 million. The firm requires a household account minimum of $1 million. HWM's fees cover investment advisory services and financial planning, with additional fees for extraordinary services. The firm does not accept performance-based fees and primarily allocates client assets among mutual funds, ETFs, and fixed income securities. HWM's investment approach is rooted in Modern Portfolio Theory, emphasizing diversified portfolios. Clients face various risks, including interest-rate, market, inflation, and liquidity risks. HWM does not vote client proxies and does not receive soft dollars from broker-dealers. Clients can contact HWM for further details or questions.

Compass Advisors is a financial advisory firm based in Melville, New York. It currently has approximately $250,455,549 of assets under management and employs about 6 people. Compass Advisors uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Prospect Financial Services LLC is a registered investment advisor established in March 1999 and registered with the SEC in September 2021. The firm offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, and retirement plans, acting as a fiduciary to clients. Services include tailored investment management, financial planning, and retirement plan advisory services. The firm primarily uses fundamental and technical analysis for investment strategies, focusing on long-term goals. Prospect Financial manages $418,143,884 in client assets as of December 31, 2024, on a discretionary basis. Wealth management fees range up to 2.50% annually, with fees for financial planning services ranging from $2,000 to $10,000 per engagement. The firm does not charge performance-based fees and does not accept or maintain custody of client accounts. Prospect Financial does not receive commissions for securities transactions and does not compensate for client referrals. The firm has a privacy policy in place to protect clients' personal information and shares information with third parties only for servicing accounts, not for marketing purposes. Clients have the right to limit the sharing of their personal information. For more details, clients can contact Prospect Financial at 631-424-5218.

Piermont Wealth Management Inc. is a New York corporation established in October 2000 and registered as an investment adviser in June 2002. The firm offers discretionary investment advisory services on a fee-only basis, with annual fees based on a percentage of assets under management. Clients can also request financial planning and consulting services for a separate fixed fee. The firm primarily allocates client assets among mutual funds, individual equity securities, and fixed income securities. Piermont Wealth Management Inc. does not participate in performance-based fees or side-by-side management. Clients are encouraged to review financial planning issues and investment objectives annually. The firm conducts ongoing account reviews and provides clients with written transaction confirmations and account statements. Piermont Wealth Management Inc. does not vote client proxies and does not solicit fees more than $1,200 per client six months in advance. The firm has not been subject to disciplinary actions or bankruptcy petitions. Clients can contact the Chief Compliance Officer, Philip J. Capell, for any questions regarding the firm's services and disclosures.

CLEAR POINT ADVISORS INC. is an SEC Registered Investment Advisor firm founded in 1998, specializing in personalized investment management services for individuals, pension and profit sharing plans, trusts, charitable organizations, and small businesses. The firm, previously known as Steven Brill Advisors, Inc., has principal owners Steven C. Brill, Barry Dampf, and Robert Levine. They offer fee-only investment management services, focusing on tailored asset allocation based on client objectives and risk tolerance. Investment strategies include a mix of assets like ETFs, REITs, and individual securities, with a global diversification approach. Clients receive quarterly reports detailing portfolio performance and asset allocation. CLEAR POINT ADVISORS INC. does not act as a custodian of client assets, maintaining limited custody through a third-party custodian. The firm provides retirement plan consulting services and may offer personal financial planning on a fixed fee or hourly basis. Fees are based on a percentage of assets under management, with a suggested minimum portfolio size of $500,000. The firm does not use performance-based fees and does not vote proxies on client securities. Clients have the right to limit sharing of personal information. The firm's advisors have strong educational backgrounds and professional designations, ensuring high standards of service. For more information, visit www.cptadvisors.com.