Richard Espenschied is a financial advisor at Ameriprise with Series 66, Series 7, and APMA(R) designations. Before joining Ameriprise in 2025, he worked at Anheuser-Busch for nine years in economics and strategy. Ameriprise offers a retirement-income planning service designed for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce written recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Bruce Krieg is a financial advisor at Midwest Investment Advisors, LLC in Fenton, Missouri, holding a Series 65 designation with 15 years of industry experience. He has been with Midwest Investment Advisors since 2010 and also has a long-standing association with Kriegl Lohbeck & Co dating back to 1992. Midwest Investment Advisors serves individual, high-net-worth, institutional, and business clients, providing discretionary portfolio management and financial planning. The firm employs multiple analysis methods and manages all portfolios in-house, overseeing a notably high client load for a solo advisor and maintaining an affiliation with an accounting firm to offer complementary services.

Describe the education and business background of the adviser’s principal executive officer: Carl Dwayne Goodin was born March 7, 1951, in Springfield, Missouri. He grew up in and around St. Louis, Missouri. He attended Lafayette High School in St. Louis County, MO, graduating with honors. He was conferred a BM in Education from the University of Missouri at St. Louis in May of 1973. He has completed coursework toward an MA in Finance and Economics from Webster University, St. Louis, MO. His grade point average in graduate studies is 4.0. He completed the CFP professional education program (College for Financial Planning, Denver, CO) in 1989. He continues to study, analyze, and research all matters related to personal financial planning, investments, insurance, estate planning, accounting, and taxation, generally devoting from 5 to 20 hours per week to independent study and advanced seminars. Carl D Goodin, CFP™: Having completed the education, examination, experience and ethics requirements he was awarded the CERTIFIED FINANCIAL PLANNER designation in March 1989. The Financial Planning Association: Carl Goodin has been a member in good standing of the Financial Planning Association since 1985. For many years he served on the Board of Directors of the Financial Planning Association of Greater St. Louis, serving as Director of Professional Development, Director of Public Relations, President Elect, and President. Financial services career and education: Carl Goodin began his career in finance and insurance in 1979 as an aircraft insurance (property and liability) underwriter. In 1981 he chose to continue serving the aviation community, but in a different capacity, primarily as a life and health insurance producer associated with the company now called Lincoln Financial Group. During this period his clientele expanded from those associated with aviation to include small business owners and other professionals. Also, during this period, he became interested in providing personal financial planning services not focused on life insurance sales. In 1986 he accepted an offer to be the regional manager of the UNUM non-cancelable disability income office in St. Louis, only to return to Lincoln Financial as regional manager in 1988. During this period, he successfully completed the examination requirements for the Missouri Uniform Securities license (Series 63), the Investment Company/Variable Products license (Series 6), the General Securities Representative (stock/bond broker's license, Series 7), the General Securities Principal license (stock/bond broker's supervisor, Series 24) and the CERTIFIED FINANCIAL PLANNER. Financial Planning Associates, Inc., A Registered Investment Adviser: Believing that he could offer better, more objective advice for his clients in a more independent setting, he left Lincoln Financial and incorporated Financial Planning Associates, Inc. in 1998. Carl D Goodin, Professor, College for Financial Planning: From March 1999 until July 2005 Carl served as an adjunct faculty member of the College for Financial Planning, teaching all of the required classes for CERTIFIED FINANCIAL PLANNER candidates. Those classes included: Financial Planning, Insurance, Retirement Planning, Employee Benefits, Tax Planning, Investment Planning, and Estate Planning. Carl D Goodin, Professor, University of Missouri at St. Louis: In July 2005, Carl resigned his teaching activities at the College for Financial Planning and assumed a similar teaching position as an adjunct faculty member at the University of Missouri at St. Louis, where he continued until 2015. Fee Only financial planning and investment management: In 2009 Carl Goodin voluntarily relinquished his securities and insurance licenses and terminated all associated residual benefits in the interest of offering his clients valuable, objective advice unaffected by conflicts of interest associated with commission compensation.

Gary Cassell is a financial advisor with Premier Wealth Advisory Services, Inc. in Chesterfield, MO, holding Series 65 and Series 63 licenses and bringing 38 years of industry experience. He has been with Premier Wealth Advisory Services since 1998 and also has experience at Ceros Financial Services Inc. since 2012. In addition to his advisory role, Cassell is an independent insurance agent for various companies. Premier Wealth Advisory Services provides portfolio and active management to individuals, high-net-worth clients, trusts, and retirement plans, offering discretionary and non-discretionary management across multiple asset classes. The firm employs a blend of technical and fundamental analysis combined with tactical timing strategies, monitoring accounts daily and reviewing them at least monthly.

Stephen Parkin is the sole advisor at S.P. Parkin & Co, an independent firm based in Chesterfield, MO. He holds Series 63 and Series 65 licenses and has 23 years of industry experience. His career includes long-term roles at Guardian Life Insurance Co. of America, Integrated Asset Management, Inc., and his own firms dating back to 1981. In addition to advisory services, Mr. Parkin is licensed to sell insurance through his firm, primarily to benefit clients. S.P. Parkin & Co. serves individual investors, corporations, churches, and endowments by providing investment supervisory services, portfolio management, financial planning, and consulting. The firm manages assets on a discretionary basis using four model portfolios with tactical sector rotation and employs multiple forms of analysis to adjust allocations. It also publishes a quarterly newsletter and operates an affiliated insurance agency, features that are uncommon among solo independent advisers.

John Gower is the sole advisor at John C. Gower, CFP, EA, an independent financial advisory firm. He holds the CFP® and Series 65 designations and has eight years of industry experience, with over 30 years at his current firm. In addition to financial planning, he provides tax preparation services as part of his business. The firm offers fee-only financial planning and investment advisory services primarily to individuals and families, as well as small businesses, trusts, and retirement plans. It manages approximately $42 million in client assets and emphasizes asset allocation, diversification, tax management, and risk control using no-load mutual funds, ETFs, individual securities, REITs, and CDs.

Curtis Sawyer is the sole advisor at Sawyer Capital Management in Wildwood, MO, with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Sawyer Capital Management since 2007. Since 2010, he has also been associated with Webster University. Sawyer Capital Management provides discretionary investment management and financial planning to individuals, trusts, charitable organizations, small businesses, and sponsors of pension and profit-sharing plans. The firm’s investment approach is based on Modern Portfolio Theory and a passive, asset-class strategy using no-load mutual funds and ETFs, supported by written investment policy statements, Monte Carlo analysis, and periodic rebalancing. It offers a combination of individual wealth management and formal retirement-plan consulting services, including plan-level analysis and participant education.

Gregory Livingston is the sole advisor at Livingston & Associates, Ltd., an independent wealth management firm based in Wildwood, MO. He holds Series 63 and Series 65 licenses and has 24 years of industry experience. Livingston has managed his firm since 2001. Livingston & Associates serves primarily individual clients, including some high-net-worth households, and a limited number of corporate retirement-plan clients. The firm emphasizes a passive-management approach with portfolio management, financial planning, insurance offerings, and occasional business consulting, and distinguishes itself by providing insurance brokerage services and strategic relationships for legal, accounting, and banking needs.

David Zaegel is a CFP® with 12 years of experience in financial advising, currently serving as the sole advisor at CWOs for Hire LLC in Saint Louis, MO. He has been with CWOs for Hire since 2016 and is also a minority owner and accountant at CPAs for Hire LLC, an accounting and tax firm, where he provides CFO services and tax return preparation. Additionally, he owns Fastball LLC, an investment education business he restarted in 2025. CWOs for Hire LLC offers personalized investment management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and corporate clients. The firm uses a combination of fundamental, technical, cyclical, and charting analysis with both passive and active management strategies, and maintains a referral relationship with an affiliated accounting firm.

Patrick Robert is a CFP® professional with two years of experience, currently serving as the sole advisor at Generational Wealth Specialists. He has been involved with PKR Investments, LLC since 2009 and owns J&P Deluxe Properties. PKR Investments, LLC is an independent advisory firm that provides financial planning and consulting for individual and high-net-worth clients, primarily through referrals to third-party managers. The firm develops tailored plans addressing cash flow, retirement, tax, and estate issues, and monitors recommended managers without exercising discretionary trading authority or custody of client assets.

Jay Peters is a CFP® and ChFC® affiliated with AECH Financial, an independent advisory firm, with 11 years of industry experience. He previously worked at Cetera and MSMF Wealth Management from 2016 to 2025. Outside of advising, Peters serves as an elected board member of a homeowners association and is involved in consulting and networking roles in real estate and referral partnerships. AECH Financial, founded in 2025, offers discretionary portfolio management to individuals, trusts, estates, corporations, and ERISA plan sponsors under 3(21) arrangements. The firm combines quantitative, fundamental, technical, cyclical, and economic analysis with both long- and short-term trading and strategic asset allocation, supporting approximately $24 million in assets across 82 client relationships.

Stephanie Calderas is a financial advisor at PathFinder Financial Services with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked with MRM Asset Allocation Group, Inc. Outside of advising, Stephanie is an Enrolled Agent who prepares tax returns, a licensed life, health, and disability insurance agent, and a licensed real estate agent in Missouri. PathFinder Financial Services provides discretionary and nondiscretionary investment management and advisory services to individuals and pension and profit-sharing plans. The firm emphasizes long-term, fundamentally driven portfolio construction and uses third-party managers and models, including a sub-advisory model managed by Congress Wealth Management, while conducting ongoing oversight and annual reviews.

Jeffrey Risley is a CFP® professional with 24 years of industry experience. He has been the principal advisor at Risley Capital Management LLC since 2011. The firm is an independent SEC-registered investment adviser managing approximately $163 million in assets, serving individual clients including high-net-worth households as well as state and municipal government entities. Risley Capital Management offers personalized investment policies and utilizes a combination of fundamental analysis, technical methods, and asset allocation across various securities, providing discretionary and non-discretionary portfolio management alongside consulting and tax-preparation services.

Michael Carroll is the principal of Carroll Wealth Management Inc., an independent registered investment adviser based in Chesterfield, MO. He holds Series 63 and Series 65 licenses and has 23 years of experience in the financial industry. Carroll has led his own firm since 2009. He maintains a licensed insurance agent designation, though he does not actively use it. Carroll Wealth Management Inc. offers discretionary portfolio management and financial planning primarily to individuals and high-net-worth clients. The firm focuses on client-specific Investment Policy Statements, employs a variety of analytical methods, and manages all accounts in-house, utilizing a broad range of investment strategies and asset types.

Misook Yu is a CFP® certificant with 11 years of industry experience, currently serving as the sole advisor at Yu Financial Advice, LLC in Chesterfield, MO. She has operated Yu Financial Advice since 2015 and runs YU & Money LLC, a separate business focused on publishing and providing general financial education through seminars and online courses. Yu Financial Advice delivers financial planning and consulting services to individual clients, emphasizing client education and tailored plans that cover cash flow, retirement, insurance, tax strategies, estate planning, and college savings. The firm does not provide investment management, instead recommending passive, low-cost index funds and ETFs, with clients typically implementing investment transactions themselves.

Brian Bingham is the owner of Elite Investment Advisors, LLC in Manchester, MO, holding a Series 65 registration with 25 years of industry experience. He founded Investor Education Network, LLC, where he creates and delivers market education courses. Since 2010, he has volunteered as a leader and board member with the American Association of Individual Investors, focusing on stock selection strategies, and he also leads Investor's Business Daily Meetup Groups to educate individual investors. Elite Investment Advisors is an independent, state-registered firm managing discretionary accounts primarily for individuals, IRAs, trusts, and businesses. The firm employs a trading-oriented approach with concentrated portfolios, using a combination of fundamental growth-stock selection, technical analysis, market timing, and short-term trading.

Brendan Freeman is a financial advisor at Cauble & Harre Wealth Management, Inc. in St. Louis, MO, with seven years of industry experience. He previously worked at First Business Bank and Regions Bank before joining Cauble & Harre in 2025. Freeman holds Series 65 and Series 63 licenses. Cauble & Harre Wealth Management, Inc. is a fee-only firm serving individuals, high-net-worth households, and select institutional clients. The firm uses customized portfolios based on written Investment Policy Statements, combining indexed and active strategies with selective tactical shifts, and manages roughly $300 million across about 100 client relationships.

Timothy Hunt is a Certified Financial Planner® with 37 years of industry experience. He has been with St. Louis Financial Planners, Inc. since 1980 and St. Louis Financial Planners Asset Management since 1996. Outside of his advisory role, he is a part owner of both firms and occasionally notarizes investment-related documents for clients, as well as assists with re-registering investments into living trusts. St. Louis Financial Planners, Inc. provides financial planning and advisory services primarily to individuals and plan sponsors, focusing on retirement, tax, estate, and college planning, as well as risk management. The firm emphasizes written financial plans and ongoing account monitoring, using technical analysis with individual equities and ETFs, and refers portfolio management to its affiliated registered adviser.

Steven Farris is a financial advisor with Aquilant Advisors in St. Louis, MO, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with Aquilant Advisors since 2016 and also has affiliations with Cambridge Investment Research Advisors Inc. Farris serves as a finance committee member for Kirk of the Hills School and works as an independent insurance agent. Aquilant Advisors serves individual clients, including high-net-worth households, as well as retirement plan sponsors and participants. The firm provides asset management, financial planning, fiduciary retirement plan consulting, and uses a documented investment process to construct customized portfolios through third-party platforms.

Kendall Young is a CFP® professional with 19 years of industry experience, currently serving at Cauble & Harre Wealth Management, Inc. since 2019. He has also been affiliated with Matter Family Office since 1998. Kendall serves as the Board Chairman of the Financial Planning Association, a volunteer role focused on advancing the CFP® profession. Cauble & Harre Wealth Management is a fee-only firm serving individuals, high-net-worth clients, and institutional entities. The firm provides discretionary portfolio management and comprehensive financial planning, utilizing model asset allocations that combine index funds, actively managed funds, ETFs, and select individual securities.