Do you receive any other fees, reimbursements, or compensation from other sources?

We receive no other compensation (ex. commissions or payments from investment companies) for managing clients’ assets, other than the annual management fee. Additionally, there are no account fees or transactions fees on the mutual funds and ETFs that we use within our strategies.

We are licensed to sell life and long-term care insurance. These are commission-based products, so we do receive a commission based on the insurance company’s schedule.