PBMares Wealth Management LLC, a registered investment adviser, has been providing advisory services since 1999. With $1,299,671,600 managed on a discretionary basis as of December 31, 2024, the firm caters to individuals, high-net-worth individuals, retirement plans, charitable organizations, trusts, and small businesses. Their investment philosophy is rooted in Modern Portfolio Theory, emphasizing asset allocation over market timing or stock picking. PBMares primarily recommends diversified portfolios of mutual funds and ETFs, focusing on passive and evidence-based strategies with low turnover and expenses. They may also manage fixed income portfolios and offer wealth management services beyond investment management. Clients are charged annual fees ranging from 0.35% to 1.50% based on assets under management, with additional fees for services like financial planning. The firm acts as a fiduciary under ERISA and the IRC, ensuring clients' best interests. PBMares does not charge performance-based fees and does not vote proxies on behalf of clients. Clients retain responsibility for voting proxies and legal proceedings involving securities in their portfolios. PBMares does not have custody over client funds but may have constructive custody due to fee deductions and Standing Letters of Authorization. The firm operates under a Code of Ethics, ensuring ethical conduct and supervising personal securities transactions of employees. PBMares does not engage in principal or agency cross transactions for client accounts.

Dominguez Wealth Management Solutions, Inc. is an SEC-registered investment adviser established in 2014, based in Virginia. The firm offers investment management services, financial planning, consulting, and pension consulting services. Investment management involves personalized portfolio creation based on client goals and risk tolerance, with discretion over accounts. Financial planning services cover various areas like tax planning, investments, insurance, retirement, and estate planning. Consulting services focus on specific financial concerns. Pension consulting services offer services like Investment Policy Statement Preparation, Selection of Investment Vehicles, Monitoring of Investment Performance, and Employee Communications. The firm manages over $186 million in client assets, with fees based on a percentage of assets under management. Portfolio management fees range from 0.1% to 0.3% quarterly. Financial planning fees vary from $1,500 to $10,000. Consulting fees are $225 per hour, and pension consulting fees range from 0.50% to 1.25% based on the client's advisory contract terms. Dominguez Wealth Management Solutions does not charge performance-based fees and serves various client types, including individuals, high net worth individuals, and pension and profit sharing plans. The firm uses various methods of analysis, investment strategies, and risk assessment techniques to manage client accounts effectively. The firm's Code of Ethics ensures high ethical standards, and clients have the discretion to direct brokerage practices. The firm does not vote on client securities' proxies and has no financial conditions impairing its obligations.