Our firm is dedicated to providing individuals and other types of clients with a wide array of investmentadvisoryservices.Ourfirmisalimitedliabilitycompanyformedunderthelawsofthe StateofMissouriin2015andhasbeeninbusinessasaninvestmentadvisersince2016.Ourfirmis ownedbyMichaelOtt(43.12%),BrentSpicuzza(43.12%),PeterDonovan(11.76%),CarltonDick (1.00%),andKaylaNieman(1.00%).
Ourfirmprovidesassetmanagementandinvestmentconsultingservicesformanydifferenttypesof clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons.Asafiduciaryitisourdutytoalwaysactintheclient’sbestinterest.Thisisaccomplished inpartbyknowingtheclient.Ourfirmhasestablishedaservice-orientedadvisorypracticewithopen lines of communication. Working with clients to understand their investment objectives while educatingthemaboutourprocess,facilitatesthekindofworkingrelationshipwevalue.
TypesofAdvisoryServicesOffered AssetManagement AspartofourAssetManagementservice,aportfolioiscreated,consistingofindividualstocks,bonds, exchange traded funds (“ETFs”), options, mutual funds and other public and private securities or investmentsaswellasfixedannuities.The client’sindividualinvestmentstrategy is tailoredto their specificneedsandmayincludesomeor allofthepreviouslymentionedsecurities.Portfolioswillbe designedtomeetaparticularinvestmentgoal,determinedtobesuitabletotheclient’scircumstances.
Once the appropriate portfolio has been determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced based upon the client’s individual needs, stated goals and objectives.
FinancialPlanning&Consulting Ourfirmprovidesavarietyofstandalonefinancialplanningandconsultingservicestoclientsforthe managementoffinancialresourcesbaseduponananalysisofcurrentsituation,goals,andobjectives.
Financialplanningserviceswilltypicallyinvolvepreparingafinancialplanorrenderingafinancial consultation for clients based on the client’s financial goals and objectives. This planning or consultingmayencompassInvestmentPlanning,RetirementPlanning,EstatePlanning,Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of CreditEvaluation,orBusinessandPersonalFinancialPlanning.
Written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients.
Implementationoftherecommendationswillbeatthediscretionoftheclient.Ourfirmprovides clients with a summary of their financial situation, and observations for financial planning engagements. Financial consultations are not typically accompanied by a written summary of observationsandrecommendations,astheprocessislessformalthantheplanningservice.Assuming thatalltheinformationanddocumentsrequestedfromtheclientareprovidedpromptly,plansor consultationsarecompletedwithinsix(6)monthsoftheclientsigningacontractwithourfirm.
RetirementPlanConsulting Ourfirmprovidesretirementplanconsultingservicestoemployerplansponsorsonanongoingbasis.
Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoringandreviewingtheircompany'sparticipant-directedretirementplan.Astheneedsofthe 6[ plan sponsor dictate, areas of advising could include investment options, plan structure and participanteducation.RetirementPlanConsultingservicestypicallyinclude:
• EstablishinganInvestmentPolicyStatement–Ourfirmwillassistinthedevelopmentofa statement that summarizes the investment goals and objectives along with the broad strategiestobeemployedtomeettheobjectives.

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Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investmentoptionsandmakerecommendationsforappropriatechanges.

• AssetAllocationandPortfolioConstruction–Ourfirmwilldevelopstrategicassetallocation modelstoaidParticipantsindevelopingstrategiestomeettheirinvestmentobjectives,time horizon,financialsituationandtoleranceforrisk.

• InvestmentMonitoring–Ourfirmwillmonitortheperformanceoftheinvestmentsandnotify theclientintheeventofover/underperformanceandintimesofmarketvolatility.
Inprovidingservicesforretirementplanconsulting,ourfirmdoesnotprovideanyadvisoryservices withrespecttothefollowingtypesofassets:employersecurities,realestate(excludingrealestate fundsandpubliclytradedREITS),participantloans,non-publiclytradedsecuritiesorassets,other illiquidinvestments,orbrokeragewindowprograms(collectively,“ExcludedAssets”).Allretirement planconsultingservicesshallbeincompliancewiththeapplicablestatelawsregulatingretirement consultingservices.Thisappliestoclientaccountsthatareretirementorotheremployeebenefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to provide servicestosuchaccounts,ourfirmacknowledgesitsfiduciarystandardwithinthemeaningofSection 3(21) of ERISA as designated by the Retirement Plan Consulting Agreement with respect to the provisionofservicesdescribedtherein.
ReferralstoThird-PartyMoneyManagers(“TPMM”) Ourfirmutilizestheservicesofathird-partymoneymanagersforthemanagementofclientaccounts.
Ourfirmwillremainastheinvestmentadviser.Clients’delegateddiscretionaryauthorityallowsusto engage TPMMs to implement the strategies selected by the client. Certain TPMM require a direct relationshipwiththeclient.Inthesecases,managersaretypicallyselectedbytheTPMM.Ourfirmwill provideinitialduediligenceonthird-partymoneymanagersandongoingreviewsoftheirmanagement ofclientaccounts.Inordertoassistintheselectionofathird-partymoneymanager,ourfirmwillgather clientinformationpertainingtofinancialsituation,investmentobjectives,andreasonablerestrictionsto beimposeduponthemanagementoftheaccount.WehaveacontractwithMorningstarInvestment Services,Inc.,CityNationalRochdale,BlackRock,AssetMark,andotherthird-partymoneymanagers.
Ourfirmwillreviewthird-partymoneymanagerreportsprovidedtotheclientatleastannually.Our firmwillcontactclientsfromtimetotimeinordertoreviewtheirfinancialsituationandobjectives; communicate information to third-party money managers as warranted; and assist the client in understandingandevaluatingtheservicesprovidedbythethird-partymoneymanager.Clientswill beexpectedtonotifyourfirmofanychangesintheirfinancialsituation,investmentobjectives,or accountrestrictionsthatcouldaffecttheirfinancialstanding.
TailoringofAdvisoryServices Our firm offers individualized investment advice to our Asset Management clients. General investmentadvicewillbeofferedtoourFinancialPlanning&Consulting,non-managedRetirementPlan Consulting,andReferralstoThird-PartyMoneyManagementclients.
7[ Each Asset Management client has the opportunity to place reasonable restrictions on the types of investmentstobeheldintheportfolio.Restrictionsoninvestmentsincertainsecuritiesortypesof securitiesmaynotbepossibleduetothelevelofdifficultythiswouldentailinmanagingtheaccount.
ParticipationinWrapFeePrograms Ourfirmdoesnotofferorsponsorawrapfeeprogram.
RegulatoryAssetsUnderManagement AsofDecember31,2023,ourfirmmanages$787,662,174onadiscretionarybasisand$2,882,870on anon-discretionarybasis.Ourtotalassetsundermanagementis$790,545,044.