Personal Investment Management, Inc. is an SEC Registered Investment Adviser founded in 1984 by Christopher J. Reedy, Rodney G. Coyan, and Brian C. Fahey. The firm specializes in providing professional investment management and financial consulting services to individuals, families, trusts, estates, and family businesses. They develop and manage model portfolios primarily consisting of stock and bond mutual funds, ETFs, and cash equivalents. PIM also offers retirement planning services and financial counseling at no additional cost. The firm manages a total of 492 client households with assets under management totaling $534,312,683 as of December 31, 2023, all managed on a discretionary basis. PIM charges investment advisory fees based on the aggregate household market value of assets under management, with different fee schedules for accounts held at different custodians. The minimum annual fee per client household is $1,000. PIM does not charge performance-based fees and does not share in client capital gains. The firm does not have a minimum account size but has a minimum annual fee. PIM employs fundamental and technical analysis to determine asset allocation and investment strategies based on client goals and risk tolerance. Clients grant PIM discretionary trading authority, allowing the firm to make investment decisions without specific client consent. PIM does not vote on client securities proxies, and clients are responsible for voting. The firm does not have any financial impairment that would affect meeting contractual commitments to clients.

The Retirement Solution LLC, founded by Jim Black in 2007 and registered with the SEC, offers comprehensive financial planning, investment management, and insurance assessments to various entities. Services include income planning, portfolio analysis, tax planning, asset protection, education planning, retirement planning, and estate planning. Financial planning services are available for a negotiable fixed fee, covering areas such as income/lifestyle planning, social security optimization, pension analysis, survivor's income, portfolio analysis, fee review, portfolio design, tax optimization, and asset protection. TRS provides both discretionary and non-discretionary asset management services, with fees based on a fixed fee or a percentage of assets under management. The firm does not impose a minimum account size. Investment strategies focus on fundamental and technical analysis, with portfolios monitored quarterly and adjusted based on client objectives and risk tolerance. TRS does not vote proxies on securities and does not have any bankruptcy petitions in the past ten years. Clients are responsible for additional costs like brokerage commissions and custodial fees. The firm's employees adhere to a Code of Ethics and do not recommend securities in which they have a material financial interest.

Joslin Capital Advisors, LLC is an SEC Registered Investment Advisor based in Redmond, Washington, established in June 2017. The firm specializes in providing financial planning and investment advisory services tailored to individual client goals. They offer services such as investment planning, retirement planning, debt reduction, estate planning, and more. Joslin Capital Advisors follows strict fiduciary standards, always prioritizing clients' interests and avoiding conflicts of interest. Clients have the option for both discretionary and non-discretionary portfolio management. The firm's investment strategy focuses on long-term, balanced, and diversified portfolios, including stocks, bonds, real estate, and cash. They primarily use no-load mutual funds, ETFs, and individual securities. Fees for managing client portfolios range from 0.25% to 1.75% of assets under management, with negotiable fees in certain circumstances. There is no set account minimum, and clients receive quarterly performance reports and account statements. Joslin Capital Advisors does not charge performance-based fees, and clients have the option to grant discretionary or non-discretionary investment authority. The firm does not vote proxies on behalf of clients and does not participate in wrap fee programs. Clients are encouraged to review account statements and compare them with custodian statements regularly. Joslin Capital Advisors maintains a Code of Ethics and does not accept compensation for selling securities.