D. Wrap Fee Programs E. Assets Under Management Financial Planning Financial plans and financial planning may include but are not limited to investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Educational Seminars/Workshops Capstar Financial provides periodic educational seminars and workshops to [clients and the general public]. Selection of Third-Party Money Managers Our firm evaluates a variety of information about Third-Party Money Managers, which includes the Third-Party Money Managers’ public disclosure documents, materials supplied by the Third-Party Money Managers themselves, and other third-party analyses it believes are reputable. To the extent possible, the firm seeks to assess the Third-Party Money Managers’ investment strategies, past performance, and risk results in relation to its clients’ individual portfolio allocations and risk exposure. Our firm also takes into consideration each Third-Party Money Manager’s management style, returns, reputation, financial strength, reporting, pricing, and research capabilities, among other factors. Our firm continues to provide services relative to the discretionary or non-discretionary selection of the Third-Party Money Managers. On an ongoing basis, the firm monitors the performance of those accounts being managed by Third-Party Money Managers. Our firm seeks to ensure the Third-Party Money Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Services

Limited to Specific Types of Investments Capstar Financial generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/ inflation linked bonds, non-U.S. securities and private placements. Capstar Financial may use other securities as well to help diversify a portfolio when applicable. Capstar Financial will tailor a program for each individual client. This will include an interview session to get to know the client's specific needs and requirements as well as a plan that will be executed by Capstar Financial on behalf of the client. Capstar Financial can use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent Capstar Financial from properly servicing the client account, or if the restrictions would require Capstar Financial to deviate from its standard suite of services, Capstar Financial reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. Capstar Financial does not participate in wrap fee programs. Capstar Financial has the following assets under management: