Azzad Asset Management, Inc. is a Registered Investment Adviser offering the Azzad Ethical Wrap Program, providing investment advice and management services for a wrap fee. The firm was established in Falls Church, VA, and operates under SEC registration. Azzad's services include investment needs assessment, ongoing monitoring, asset allocation advice, and financial planning services. Clients have discretion over their investments, with a minimum account value of $500,000. The fee structure is tiered based on account value, ranging from 1.75% to 1.2%. Azzad acts as a fiduciary for retirement accounts, ensuring advice is in the client's best interest. The firm's investment philosophy incorporates socially responsible Islamic screens, avoiding certain industries. Azzad manages accounts on a discretionary basis, selecting securities based on fundamental, cyclical, quantitative, and qualitative analysis. The firm conducts periodic reviews and provides detailed reports to clients. Azzad does not engage in principal or agency cross transactions and does not receive compensation for client referrals. The firm has no financial conditions impairing its ability to meet commitments. For more information, visit www.azzadasset.com.

Solomon Hess SBA Management LLC, established in 2004, specializes in managing investment Funds focused on federally guaranteed loans, structured fixed-income securities, and other investments. The firm's three Funds are the Solomon Hess SBA Loan Fund LLC, Solomon Hess Opportunity Fund LLC, and Solomon Hess IO Opportunities Fund LLC. Solomon Hess manages these Funds on a discretionary basis, with $939 million in assets under management as of December 31, 2024. The firm charges fees based on a percentage of net assets under management for each Fund, with additional fees for targeted CRA credit in the SBA Loan Fund. Solomon Hess does not participate in wrap fee programs and does not tailor services to individual investor needs. The firm's investment strategies include leveraging assets, primarily in federally guaranteed loans and structured fixed-income securities. Solomon Hess follows a detailed asset allocation policy to address potential conflicts of interest among its Funds. The firm operates as a fiduciary, acting in the best interests of its Clients. Solomon Hess does not have any disciplinary actions, financial industry activities, or affiliations beyond managing its Funds. The firm maintains custody of client assets through qualified custodians and exercises full discretionary authority in managing client investments. Solomon Hess votes proxies in the best interest of clients and has no financial conditions that impair its ability to meet contractual commitments.

CJM Wealth Advisers, Ltd. is a registered investment adviser offering the CJM Asset Management Wrap Program, providing discretionary and non-discretionary investment management services for a specified annual fee of 1.00%, inclusive of trade execution, custody, reporting, and investment management fees. The Program's fee is charged quarterly based on the account's previous quarter-end value. Clients may restrict the use of no-transaction-fee (NTF) funds to mitigate conflicts of interest. The firm's fee structure is negotiable based on various factors. Clients include individuals, high net worth individuals, pension plans, trusts, and charitable organizations. The firm also offers retirement plan consulting and financial planning services for fixed fees. Additionally, the firm provides variable annuity management services and does not accept performance-based fees. Investment strategies include fundamental and technical analysis, with a focus on long-term and short-term purchases. Clients have reasonable access to the portfolio manager, and the firm conducts ongoing account reviews. The firm's Chief Compliance Officer is available for any client inquiries.

D’Orazio Wealth Advisors, formerly known as D’Orazio & Associates, Inc., is a registered investment adviser based in Vienna, Virginia. Established in June 2004 and registered as an investment adviser in December 2004, the firm specializes in offering financial planning, investment management, and retirement plan consulting services to individuals, high net worth individuals, trusts, estates, and retirement plans. Clients can engage the firm for discretionary investment advisory services on a fee-only annual retainer basis, with a minimum initial account size of $100,000. The firm primarily allocates investment assets among mutual funds, ETFs, individual equities, individual bonds, and cash on a discretionary basis, tailored to each client's investment objectives. D’Orazio Wealth Advisors acts as a fiduciary, operating under a special rule to act in the client's best interest. The firm charges an annual fixed fee based on the value of assets under management, payable quarterly. Clients may also receive retirement plan consulting services, with fees based on the market value of assets held by the plan. The firm does not participate in performance-based fees, accepts no compensation from investment advisors, and does not vote client proxies. For further details or to address any questions, clients can contact the Chief Compliance Officer, David Trenner.

Washington Wealth Advisors, LLC is a financial advisory firm specializing in asset management, financial planning, and pension/retirement consulting. Established on April 5, 2017, the firm is owned by Maura Campion Schauss and Todd Youngdahl, with over 40 years of combined experience in the financial industry. They offer discretionary investment advisory services to individuals/families, trusts, estates, and other clients, with fees ranging between negotiable and 1.25% of assets under management. Clients can also opt for financial planning and consulting services on an hourly or flat fee basis, starting at $350. The firm does not offer wrap fee programs and does not engage in performance-based fees or side-by-side management. Clients have the option to place reasonable restrictions on investments, and the firm emphasizes continuous account supervision. Washington Wealth Advisors does not sell securities for a commission and does not receive compensation from recommended investment advisors. The firm reviews accounts quarterly and does not vote client proxies. Clients are encouraged to contact the Co-Chief Compliance Officers for any questions regarding the firm's services or this brochure.