YHB Investment Advisors, Inc. (YHB) was organized in December 1989. YHB is 100% independently owned and managed. Paul Martel and Mark Everette each have ownership interests exceeding 25%. The owners are actively involved in the ongoing operations and management of the company. As of December 31, 2023, the firm had discretionary authority of approximately $1.75 billion of regulated assets under management. Our services are outlined below. Personal Asset Management Services YHB provides to clients personalized investment advisory services consisting of:
• Education as to basic investment concepts, policies and disciplines
• Recommendations for target allocations, investment markets and product types
• Investment policy guidelines
• Recommendation, selection, and trade execution of securities
• Ongoing asset review and management
• Quarterly reports including:
• Account holdings
• Performance data
• Quarterly market newsletters
• Access to YHB Charitable Endowment, a donor-advised fund
• Ongoing availability for questions on investment markets and strategies Financial/Administrative/Consulting Services We also provide special analyses, bookkeeping, or other services tailored for individual circumstances. This may include consulting services to certain clients who are seeking guidance in a specific area or for a specific purpose, either on a short-term or ongoing basis. Such consulting may address any of the following areas:
• Establishing investment policy guidelines
• Reviewing and selection of managers
• Ongoing manager evaluation and review
• Aggregated portfolio and performance reporting
• Other specialized consulting 2 January 1, 2024 Pension

Consulting Services: The primary clients for these services will be 401(k) and profit-sharing plans. Clients may choose to use any or all of the following services.
• Investment Policy Guideline (IPG) Preparation: We will meet with the client (in person or by telecommunication) to determine an appropriate investment strategy that reflects the plan sponsor's stated investment objectives for management of the overall plan. Our firm then prepares a written IPG detailing those needs and goals and the criteria for selection of investment vehicles as investment monitoring procedures.
• Selection of Investment Vehicles: We assist plan sponsors in constructing appropriate asset allocation models. We will then review various funds (both index and managed) to determine which investments are appropriate to implement the client's IPG. The number of investments to be recommended will be determined by the client.
• Monitoring of Investment Performance: We monitor client investments continually based as outlined in the IPGs. Although in some situations our firm may not be involved in any way in the purchase or sale of these investments, we supervise the client's portfolio and will make recommendations to the client as market factors and the client's needs dictate.
• Employee Communications: For profit sharing and 401(k) plan clients with individual plan participants exercising control over assets in their own account (''self-directed plans''), we may also provide annual educational support designed for the plan participants. The nature of the topics to be covered will be determined by us and the client under the guidelines established in ERISA Section 404(c). The educational support will NOT provide plan participants with individualized, tailored investment advice or asset allocation recommendations.