Who We Are. Founded in July 2000, MOS Capital, Inc., (“MOS”) is an independent Registered Investment Advisor organized as a corporation under the laws of the State of Florida. The initials “MOS” refer to William Moore, Michael O’Neil, and Richard Shropshire, the three founders of the firm. At present, William F. Moore, Jr. is the remaining founding partner of the firm and the majority owner of the company’s shares.
Jillian A. Martin-O’Neil is also a Partner of the firm. MOS maintains its Principal Office headquarters and place of business at 1102 A1A North, Suite 202 Ponte Vedra Beach, FL 32082. Jillian O’Neil is an employee of the Principal Office, but resides in Portland, OR. The Advisor provides financial planning/ consulting services and portfolio management to individuals, trusts, endowments, foundations, corporations, and other money management firms on a fee-only basis. These services are designed to help clients identify and realize their financial objectives.
Our Services. MOS provides financial planning/consulting services and portfolio management, including asset allocation, security selection and the continuous supervision of investments held within individual client accounts. Services begin with a thorough review of a new client's investment objectives and financial situation. Assets are managed in a manner consistent with those objectives, taking into consideration your age, risk tolerance, time horizon, liquidity needs, tax considerations, return expectations, and any other information that is pertinent. We require that each account have a written investment policy, a specific list of guidelines that will indicate how the account is to be managed. For example, an account’s investment policy will contain: the amount of initial investment, asset allocation targets (how much money will be invested in stocks, bonds, or money markets), types of securities to be used, any withdrawal needs, return expectations, advisory fees, performance reporting schedules, and any limitations imposed by accountholders – among other criteria. Day to day portfolio management services include making purchases, sales, and exchanges of various types of securities including common and preferred stocks, government, municipal, and corporate bonds, mutual funds, and cash or near cash instruments such as CDs, or money market funds. These services are provided to clients primarily on a discretionary basis, meaning that once we map out an investment policy with you, you then give us the authority to execute transactions in your account based on those written guidelines. Each account is managed separately – there is no commingling (mixing) of different clients’ assets. We also hold ourselves out as financial planners and typically create formal written plans for clients at the beginning of new advisory relationships. If we are to perform our money management jobs effectively, it seems reasonable to have a thorough understanding of a client’s financial position and specific goals. Planning also provides clients with personalized net worth and income/expense summaries and projects the growth or depletion of assets into the future, assisting with other lifestyle decisions. Financial planning is not a requirement for our portfolio management services, but it

is strongly encouraged. We also produce plans for clients that are not interested in hiring us to manage their money. How We Manage Assets for Clients. In financial industry terms, our management style would be classified as “Growth & Income,” which generally indicates an approach using conservative stocks and bonds - or the mutual fund equivalents - with the objective of achieving both income production and capital appreciation over time. We focus strongly on income-producing strategies in both the equity and fixed-income markets, and use mathematical formulas to assist in the decision-making process. More simply, we seek to increase the dividend and interest income generated by a client’s portfolio consistently, while also participating in the growth of the underlying businesses. MOS does not work with clients who seek aggressive capital appreciation or short-term profits, or those who prefer investments in small company stocks, futures contracts, commodities, or alternative investments. Our primary investment strategy is to diversify portfolios by asset class, industry or sector (stocks), issuer and geography (bonds), and by style (growth/value/balanced/specialty). We manage all client accounts separately. Each account has a set of written investment guidelines (the investment policy) and is custom-tailored to meet the client’s specific objectives. Clients with similar objectives will typically be invested similarly. However, all clients are unique - having individual plans, goals, risk tolerances, time-horizons, and preferred portfolio characteristics, among other things. As a result, portfolio holdings and the timing of transactions will differ from time to time, even among clients with similar objectives. Individual stocks and bonds are generally used if a client has assets in excess of $500,000. Mutual funds may be used for smaller investment amounts. Clients may impose restrictions on the types of securities purchased, the quantity purchased in any one asset class or economic sector, the type of business or industry, the credit rating, the maturity date, or by specifying other market criteria. A section in our Client Investment Counsel Agreement is reserved for a written list of restrictions. We prefer to select the securities custodian (the bank or brokerage firm that holds the assets), but clients may direct us to use a specific institution. Participation In Wrap Fee Programs. MOS does not participate in any wrap fee programs. Discretionary vs. Non-Discretionary Assets. As of June 30, 2023 MOS provided investment supervisory services to 300 discretionary accounts and 17 non-discretionary accounts. Taking discretion means that you provide us with a limited power to manage assets within your accounts, without day-to- day consultation on the specifics of any particular transaction. Non-discretionary means that we will contact you to discuss portfolio changes and request your permission to proceed with recommendations. All accounts are held at independent, qualified custodians. Total discretionary and non-discretionary funds as of June 30, 2023 were $173,911,804. Assets are managed consistent with your financial goals and the instructions outlined in the account’s investment policy statement.