Nautic Partners, LLC is a financial advisory firm based in Providence, Rhode Island. It currently has approximately $8,599,323,060 of assets under management and employs about 65 people. Nautic Partners, LLC uses a fee structure of a percentage of assets under your management and performance-based fees.

Rex Capital Advisors, LLC is an SEC registered investment adviser specializing in providing extensive investment advisory services to high net worth individuals, families, foundations, trusts, and other entities. The firm was founded in 1998 and became registered with the SEC in 2002. With $1,252,646,454 of assets under advisement as of 12/31/21, including $939,622,618 under discretionary management, RCA offers family office services focusing on investment advisory, financial planning, estate and tax planning, and risk management. The firm provides ongoing investment advisory services with discretionary authority to monitor and manage client portfolios, including non-securities investments like real estate and art. RCA's fee structure is based on a percentage of assets under advisement, starting at 1.50% for $10 million to $50 million AUA. Clients with assets exceeding $50 million receive full-service family office offerings. The firm emphasizes a long-term, capital preservation-focused investment approach, combining disciplined asset allocation with comprehensive manager and investment selection. Clients receive written reports up to two times a year, with performance reports provided during formal reviews. RCA has no disciplinary events to report and does not receive compensation from third parties for client referrals. The firm exercises investment discretion, determining securities to buy/sell, broker selection, and commission rates, with client discussions typically preceding transactions. Clients are encouraged to compare custodial statements with RCA reports.

WhaleRock Point Partners, LLC is a Registered Investment Adviser established in May 2006, managing approximately $757,392,455 in client assets as of December 31, 2024. The firm offers tailored investment management services with a focus on maximizing after-tax investment results for clients. Clients compensate WhaleRock through fees based on a clearly written fee schedule. The firm primarily manages accounts on a discretionary basis, granting full authority to determine securities bought and sold. WhaleRock's investment philosophy involves a top-down analysis of macroeconomic factors to identify investment themes, complemented by fundamental and technical analysis for security selection. The firm emphasizes broad diversification, systematic risk management, and internal management. WhaleRock acts as a fiduciary for retirement plan accounts, abiding by ERISA regulations to act in clients' best interests. The firm charges fees based on a percentage of assets under management, with most clients paying an annual rate of up to approximately 1.1%. WhaleRock does not charge performance-based fees and provides investment advisory services to various client types, including individuals, trusts, and pension plans. The firm uses soft dollars to offset costs of investment services and employs third-party and proprietary tools for account monitoring and rebalancing. Clients receive regular account reviews and voting rights on securities held in their accounts. WhaleRock does not require advance payments and has not been subject to a bankruptcy petition.

Newman Dignan & Sheerar, Inc. is a registered investment adviser established in 1992, offering investment advisory services to various clients, including individuals, high net worth individuals, pension and profit sharing plans, and charitable organizations. The firm provides discretionary investment advisory services on a fee-only basis, with annual fees generally ranging from negotiable to 1.00% based on the market value of assets managed. Clients can also receive retirement plan consulting services and financial planning services upon request. The firm primarily allocates client assets among individual equity and fixed income securities, mutual funds, and ETFs based on designated investment objectives. Clients have the option to engage in socially responsible investing or invest in cryptocurrencies through exchange-traded securities or separate account managers. Newman Dignan & Sheerar does not participate in performance-based fees, and clients have the ability to impose restrictions on the firm's services. The firm conducts ongoing account reviews and provides clients with regular account statements. Clients are encouraged to review investment objectives annually. The firm does not receive compensation from the sale of securities and maintains a Code of Ethics to prevent the misuse of material non-public information. Clients can engage the firm on a discretionary basis, allowing the firm to buy, sell, or execute transactions on their behalf. The firm also handles proxy voting for client securities and provides information on how proxies are voted upon request. Newman Dignan & Sheerar has not been subject to disciplinary actions or bankruptcy petitions and maintains financial stability to meet its commitments. For any inquiries, clients can contact the Chief Compliance Officer, Richard Cavanagh.

Canton Hathaway, LLC is a financial advisor firm established on April 6, 2018, in Rhode Island. The firm specializes in offering investment advisory services to individuals, family groups, trusts, and charitable organizations. Their investment management services include personalized portfolio management primarily in liquid securities, common stocks, bonds, mutual funds, and exchange-traded funds. Canton Hathaway also provides fund management services to affiliated entities and offers outsourced CIO services to pension plans and institutions. The firm may serve as a subadvisor to other registered investment advisory firms. For investment management services, fees are based on a tiered fee schedule ranging from 60 to 90 basis points depending on the assets under management. The firm does not participate in wrap fee programs. As of December 31, 2024, Canton Hathaway manages assets totaling $672,683,659, with $627,699,956 managed on a discretionary basis. The firm acts as a fiduciary and does not receive commissions or compensation from third parties. Canton Hathaway does not have custody of client assets and recommends clients use qualified custodians for safeguarding their funds. The firm has a Privacy Policy and Program for Protecting Client Information in place to comply with Regulation S-P, ensuring the confidentiality and security of client information. Clients are provided with annual privacy notices and the opportunity to opt-out of information disclosure. The firm's Chief Compliance Officer oversees the implementation of the Privacy Policy and Program.

Weybosset Research & Management, LLC is an SEC-registered investment adviser founded in 2000 and based in Providence, Rhode Island. The firm, owned by Fla Lewis III, offers investment advisory and management services to clients, tailoring investment programs to individual financial objectives. Services include managing portfolios comprising various securities such as stocks, bonds, and funds. Weybosset also provides investment models to other advisers. As of December 31, 2023, the firm managed discretionary accounts totaling $307,452,806. For fees, Weybosset charges a percentage based on the portfolio value, with negotiable rates for larger accounts. Fixed fees are available and can be negotiated. Clients can request performance-based fee arrangements. The firm does not receive compensation for selling securities or products. Weybosset does not engage in principal or agency cross transactions and does not offer physical custody of assets. The firm's investment philosophy focuses on fundamental analysis and long-term investing to achieve optimal returns with minimal risk. Weybosset emphasizes research and client-specific strategies. The team, including Fla Lewis III, William M. Sloan, and Justin Deutsch, has no disciplinary history and operates under a fiduciary duty, acting in clients' best interests. Quarterly reviews ensure alignment with client goals and objectives. Clients include high-net-worth individuals, retirement plans, institutions, and corporations.

Brown, Lisle/Cummings, Inc. is an established financial advisor firm founded in 1912, registered as an investment adviser since 2006, and as a broker-dealer with the SEC since 1966. The firm specializes in Individual Portfolio Management, Financial Planning, and Financial Consulting services. They offer discretionary or non-discretionary investment management services under their Wrap Program, encompassing trade execution, custody, reporting, platform fees, and investment management fees for a single annual fee. Clients can impose reasonable restrictions on investments, and the firm's investment recommendations cover various securities like stocks, bonds, options, mutual funds, and ETFs. The firm operates on a wrap fee basis, with fees assessed quarterly based on assets under management. Clients can negotiate fees based on factors like account size, composition, and complexity. BLC does not provide non-wrap fee portfolio management services. They also offer financial planning and consulting services, addressing areas like tax, investments, retirement, and estate planning. The firm's investment strategies include long-term purchases, short-term purchases, asset allocation, and options trading. Clients have access to the portfolio manager and receive regular reviews and reports based on their investment objectives. BLC has a Code of Ethics, a Personal Trading Policy, and does not engage in principal transactions with advisory clients. The firm does not accept compensation for client referrals and does not require advance fees exceeding $1,200. BLC has no reportable disciplinary events and maintains financial stability.

Compton Capital Management, Inc. is an SEC-registered investment adviser based in Providence, Rhode Island. Established in 1988, the firm offers tailored advisory services to individuals, high net worth individuals, pension and profit-sharing plans, charitable organizations, and corporations. Services are provided on both discretionary and non-discretionary bases, with a focus on client-specific goals, risk tolerance, and liquidity needs. The firm's investment recommendations are not limited to specific types of investments, and they act as fiduciaries when advising on retirement accounts. Compton manages $201.7 million in client assets as of December 31, 2022, charging annual fees based on a percentage of assets under management. The firm may negotiate fees based on client circumstances. They do not engage in performance-based fee arrangements. Clients are required to sign an investment management agreement detailing objectives, guidelines, and fees. The firm conducts periodic reviews of client accounts, exercises investment discretion with client authorization, and votes on client securities unless otherwise directed. Compton does not have any financial commitments impairing its ability to meet client obligations and has not been subject to disciplinary events. For more information, clients can request a copy of the firm's Code of Ethics and proxy voting policies.

**Background and Expertise:** HAVE RIA, INC. is a registered investment adviser specializing in hotel asset and investment management services. The firm was established in May 2023 and has been providing investment advisory services since July 2023. Their services focus on hotel real estate asset management through various accounts. The firm's investment strategy includes opportunistic, core, and value-add investments in the United States. **Consumer-Facing Terms:** - **Minimum Initial Investment:** No minimum investment amount required. - **Fee Structure:** Fees are negotiable and vary based on factors such as total assets under management and complexity of assets. Fees include ongoing investment management services, renovation oversight fee, hotel disposition services fee, hotel financing or refinancing services fee, and hourly fees for services outside of investment management. - **Fiduciary Status:** HAVE RIA, INC. acts as a fiduciary, putting clients' interests first. - **Investment Discretion:** The firm has discretionary authority over client assets, making decisions without consulting clients first. - **Investment Philosophy:** Focuses on long-term investments in hotel real estate properties, aiming to generate returns through annual cash flow and capital appreciation. **Advisory Business Description:** HAVE RIA, INC. provides hotel asset and investment management services, including investment strategy and management, investment acquisition and disposition, general administration and asset management of accounts, disposition services, and financing or refinancing services. The firm's investment strategies include opportunistic, core, and value-add investments in the U.S. hotel real estate market. They use fundamental and technical analysis methods to evaluate investments. This summary provides an overview of HAVE RIA, INC.'s background, expertise, consumer-facing terms, and investment strategies, helping potential clients understand the firm's services and approach to investment management.