Who we Are Goldberg Advisers, LLC dba Capital Trust Advisers (referred to as “we,” “our,” “us,” “CTA,” or “Goldberg”) has been registered as an investment advisor since 2000. Mr. John Goldberg is responsible for day-to-day management of our operations and is the Managing Member, Mr. Sanford Lowengart, III is the Chief Operating Officer. Goldberg will provide management services to balanced portfolios under the name of Capital Trust Advisors (“CTA”).
Wealth Management Using the name Capital Trust Advisors, we provide continuous advice to clients regarding the investment of client funds based on the individual needs of each client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, CTA establishes a client's personal investment strategy and manages a portfolio based on that strategy. During the data-gathering process, CTA determines the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. CTA may also review and discuss a client’s prior investment history, as well as family composition and background.
CTA manages advisory accounts on a discretionary basis. Account supervision is guided by, amongst other considerations, information discovered during the data-gathering process, such as the client's stated objectives (i.e., capital appreciation, growth, income, growth and income, or capital preservation).
We provide our clients with investment advisory services consisting of discretionary asset management through use of equity, fixed income and balanced (between equity securities such as stocks and fixed income securities such as municipal and government bonds) portfolios. Our wealth management services include asset allocation, investment management, financial and retirement planning and net worth/cash flow planning. We generally expect that our clients’ investments are mutual funds and exchange traded funds.
Our services and processes are designed to determine and address our individual client’s general wealth management needs, with a focus on coordination and implementation of the client’s overall investment, retirement and tax and estate plans. This process involves the use of a detailed confidential client questionnaire/new account form designed to collect information as to the client’s investment and financial circumstances and objectives, time horizon expectations and risk tolerance as well as the collection of certain key financial

documents. We then may prepare a written investment or asset allocation policy based upon the client information collected.
Some of our clients’ investments are in what we call Held-Away accounts. Held-Away accounts are client accounts that are accessible by the client, and don't routinely provide for access by investment advisers. In order to provide more comprehensive advice, we recommend that you grant one of our service providers, ByAllAccounts, Inc., access to your Held-Away accounts. ByAllAccounts, Inc.
downloads the holdings information for these accounts to our portfolio management software so we can take those investments into account when we invest your portfolio. We can also provide recommendations for changes in the Held-Away accounts, when appropriate. At no time will we be able to access your Held-Away account directly.
We will tailor our advisory services to our clients’ individual needs based on meetings and conversations with each client. If clients wish to impose certain restrictions on investing in certain securities or types of securities, we will address those restrictions with the client to have a clear understanding of the client’s requirements.
We do not provide portfolio management services to a wrap fee program.
Financial Planning CTA offers financial planning services to its clients. Financial planning involves an evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. CTA gathers required information through personal interviews.
Information gathered may include the client's current financial status, tax status, future goals, objectives and attitudes towards risk. CTA carefully reviews information supplied by the client in preparing recommendations. Should the client choose to implement the recommendations made, CTA suggests the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker.
Implementation of financial plan recommendations is entirely at the client's discretion. Financial Planning recommendations are typically not limited to any specific product or service offered by a broker dealer or insurance company. All recommendations are generally of a generic nature.
Assets Under Management As of February 28, 2024, we have $330.0 million in discretionary assets under management. We have no non-discretionary assets under management.