Investment Management We manage these advisory accounts on a discretionary basis. Account supervision is guided by the client's stated objectives and the creation of the financial plan. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities:  Exchange-Listed Securities  Securities traded over-the-counter  Foreign Issuers  Warrants  Corporate Dept Securities (Other than commercial paper)  Commercial Paper  Certificates of deposit  Municipal securities  Variable life insurance  Variable annuities  Mutual Fund Shares  United States governmental Securities  Options Contracts on Securities  Interests in partnerships investing in real estate Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability and a financial plan. To ensure that our initial determination of an appropriate portfolio remains suitable and that the account continues to be managed in a manner consistent with the client's financial circumstances, we will: 1. At least annually, contract each participating client to determine whether there have been any changes in the client’s financial situation or investment objectives, and whether the client wishes to impose investment restrictions or modify existing restrictions; 2. Be reasonably available to consult with the client (see AUM contract for allowable hours); and 3. Maintain client suitability information in each client’s file. INDIVIDUAL PORTFOLIO MANAGEMENT Our firm provides continuous asset management of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on the client's particular circumstances are established, we develop the client's personal financial plan. We create and manage a portfolio based on that plan. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we may also review and discuss a client’s prior investment history, as well as family composition and background. We provide all recommendations only after a complete analysis through Orion or eMoney financial planning software. Once the client's portfolio has been established, we review the portfolio annually, and if necessary, rebalance the portfolio on an annual basis, based on the client's individual needs, but may rebalance more often dependent upon clients' needs or changes, economic fundamentals, and/or the portfolio parameters. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities:  Exchange-listed securities  Securities traded over-the-counter  Foreign issues  Warrants  Corporate debt securities (other than commercial paper)  Commercial paper  Certificates of deposits  Variable life insurance  Variable annuities  Mutual Fund Shares  United States governmental securities  Options contracts on securities  Interests in partnerships investing in real estate Index Selection, Distribution Strategies on Equity Indexed Annuities Because some types of investments involve certain additional degrees of risk, they will only be recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. MANAGER SELECTION PROGRAMS We also offer advisory management services to our clients through the Manager Selection Programs (hereinafter, "Programs"). Our firm provides the client with an asset allocation strategy developed through personal discussions in which goals and objectives based on the client's particular circumstances are established. Based on the client's individual circumstances and needs we will then perform management searches of various unaffiliated registered investment advisers to identify which registered investment adviser's portfolio management style is appropriate for that client. Factors considered in making this determination include account size, risk tolerance, the opinion of each client and the investment philosophy of the selected registered investment adviser. Clients should refer to the selected registered investment adviser's Firm Brochure or other disclosure document for a full description of the services offered. We are available to meet with clients (See individual AUM contract for allowable hours) to review the account. These programs are often referred to as “Robo-Advisors”. We do not select the underlying stocks or ETF’s, rather the program sponsors offer models to choose from. Furthermore, we do not offer ongoing investment oversight but will counsel with the client as to changes in their lives that may require a change in the model. Investment Advisor Representative We monitor the performance of the selected Investment Advisor Representative(s). If we determine that a particular selected Investment Advisor Representative(s) is not providing sufficient management services to the client or is not managing the client's portfolio in a manner consistent with the client's objectives and Orion or eMoney plan, we may suggest that the client work with a different registered investment adviser and/or program sponsor. Under this scenario, our firm assists the client in selecting a new registered investment adviser and/or program. However, any move to a new registered investment adviser and/or program is solely at the discretion of the client. FINANCIAL PLANNING We provide financial planning services. Financial

planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables, to strive to predict future cash flows, asset values, and withdrawal plans. Through the financial planning process, all questions, information, and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. We are required to disclose to our financial planning clients that a conflict of interest exists between us and our clients. The client is under no obligation to act upon the investment adviser’s recommendation. If the client elects to act on our recommendations, the client is under no obligation to engage us for our investment management services. Clients may also purchase the Orion or eMoney service to receive access to an online platform which provides the client with a detailed financial plan designed to assist the client strive to reach his or her financial goals and objectives. In general, the financial plan can address any or all of the following areas:  PERSONAL: We review family records, budgeting, personal liability, estate information, and financial goals.  TAX & CASH FLOW: We analyze the client’s income tax and spending and planning for past, current, and future years; then illustrate the impact of various investments on the client's current income tax and future tax liability.  INVESTMENTS: We analyze investment alternatives and their effect on the client's portfolio.  INSURANCE: We review existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile.  RETIREMENT: We analyze current strategies and investment plans to help the client achieve his or her retirement goals.  DEATH & DISABILITY: We review the client’s cash needs at death, income needs of surviving dependents, estate planning, and disability income.  ESTATE: We assist the client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, review estate tax, powers of attorney, asset protection plans, nursing homes, Medicaid, and elder law. We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, returns objectives, and attitudes towards risk. We carefully review documents supplied by the client, including a questionnaire completed by the client, and prepare a financial plan based on the client’s stated financial goals and objectives. Should the client choose to implement the recommendations contained in the plan, we suggest the client work closely with his/her attorney, accountant, and/or insurance agent. Implementation of financial plan recommendations is entirely at the client's discretion. We also provide general non-securities advice on topics that may include tax and budgetary planning, estate planning, and business planning such as:  Exchange-listed securities.  Securities traded over the counter; and  Foreign issuers Typically, the online access to the financial plan is available to the client within sixty days after HHRDM has received all required data from the client. As individuals of HHRDM are/may be, licensed/registered as insurance agents/brokers of various insurance companies, recommendations made in financial plans are not limited to only those products offered through these companies. INVESTMENT SUPERVISORY SERVICES PUBLICATION OF PERIODICALS We do not produce any newsletters. PORTFOLIO MANAGEMENT FEES Our annual fees for Portfolio Management Services are based upon a percentage of assets under management and generally range from 0.50% to 2.25%, depending on the level of services offered. Please refer to the official Investment Management Agreement for details and fee breakpoints. Lower fees may be available through other sources for similar services. Due to the acquisition of other firms and additional Investment Advisory Representatives certain clients may have different fee schedules. Fee schedules may be more or less for certain clients based on previous negotiations. Clients have the right to change their plan with a sixty (60) day notice in writing. One change of plan is permissible per year at no cost and $250 per change thereafter. A one-time assessment of (0.10%) against the total assets will be billed to the client for time and expense of consolidation, transferring, re-titling and setting up of the assets into our management systems. This would also include funding of a revocable trust but does not include real estate. Our fees are billed quarterly, in advance, at the beginning of each calendar quarter based upon the value (market value or fair market value in the absence of market value), of the client's account at the end of the previous quarter. Fees will be debited from the account in accordance with the client authorization in the Client Services Agreement. (Wealth Management Agreement) A minimum of $1,000,000.00 of assets under management is required for this service. This account size may be negotiable under certain circumstances. HHRDM may group certain related client accounts for the purposes of achieving the minimum account size and determining the annualized fee. Limited Negotiability of Advisory Fees: Although HHRDM has established the aforementioned fee schedule(s), we retain the discretion to negotiate alternative fees on a client-by-client basis. Client facts, circumstances and needs are considered in determining the fee schedule. These include the complexity of the client, assets to be placed under management, anticipated future additional assets; related accounts; portfolio style, account composition, reports, among other factors. The specific annual fee schedule is identified in the contract between the adviser and each client.