A. Description of our advisory firm, including how long the firm and our principal owner(s) have been in business. We are dedicated to providing individuals, pensions, profit sharing plans, trusts, estates, corporations and other types of organizations and individual clients with a wide array of investment advisory services. Firefighters United Financial Services™ is a fictitious business name of Tamar Securities, LLC, a limited liability company formed in the State of California. Our firm has been in business as an investment adviser since June of 2010 and is solely owned by Amit Raz Stavinsky. Mr. Stavinsky has been a registered investment professional in the U.S. since 1991. The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is accomplished in part by knowing our client. Our firm has established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. B. Description of the types of advisory services we offer. At our firm, all the services provided first begin with an Investment Policy and/or an in-depth analysis of each client’s unique personal criteria that includes their goals, needs, risk tolerance, and income needs versus growth, tax, legal issues, liquidity requirements, and investment objectives and guidelines. Second, we use Global Asset Allocation Models that focus on preservation of capital, long-term asset growth, superior performance in both rising and falling market cycles, and absolute returns independent of the market’s strength or weakness are implemented. Next, our firm initiates procedures of Portfolio Implementation by performing the following disciplines:  Evaluating investment managers and holdings on the basis of both qualitative and quantitative criteria;  Making sure that portfolio managers consistently employ and follow their presubscribed disciplined investment process;  Subjecting all investment professionals and financial products to a rigorous screening process (This includes: organizational ownership, portfolio management tenure, investment process and implementation, investment research, long and short-term performance, and risk/reward assumed in portfolios as measured by their Beta, Alpha, active market timing, and significant sector and position concentration), and monitoring and rebalancing asset allocation models on either quarterly, semiannually or annual basis in order to establish an Efficient Frontier for increasing portfolio returns and decreasing volatility. ADV Part 2A – Firm Brochure Page 5 Firefighters United Financial Services™ Lastly, we conduct periodic ongoing reviews with all clients. This process includes the followings:  Review of portfolio managers, financial products, and of the entire investment holdings benchmarked each quarter against their respective Equity and Fixed Income indexes;  Recalibrate each client’s asset allocation models as their life circumstances change, and;  Present consolidated reporting that should include each client’s entire investment holdings throughout the banking industry. 1. Portfolio Management: Our firm offers Portfolio Management services. As part of this service clients will be provided asset management and financial planning or consulting services. This service is designed to assist clients in meeting their financial goals through the use of a financial plan or consultation. The client should also be made aware that they will be responsible for all transaction costs associated with the ongoing management of their accounts. The services for our Portfolio Management are as follows: a. Growth Market Value Securities Portfolios (GMVS™) Growth Market Value Securities, or GMVS™, is a discretionary, fee-based, long-term approach to investing in equity securities of innovative companies that have yet to capture meaningful market share in their respective industries. Additionally, at times, this program reserves the option to purchase preferred stocks, convertible preferred stocks, warrants, rights offerings, and options. Qualified participants, with signed options trading and margin application on file, will participate, when deemed appropriate, in purchasing and selling options for growth, income, and risk mitigation. This program seeks to identify emerging, disruptive, and innovative companies that sell at what we believe to be a discount to their intrinsic value. In general, this strategy will focus on small, mid-cap, and large cap companies that will fundamentally change how individuals interact, transact, consume, and socialize. More specifically, this equity portfolio will generally encompass what is formally known as the Fourth Industrial Revolution in technology, which typically includes emerging technologies such as 5G, autonomous driving, Internet of Things (IoT), financial technology (FinTech), blockchain, augmented reality (AR), and artificial intelligence (AI). This investment program, in general, will focus on companies that are in the earlier stages of their development relative to their industry counterparts. This will provide investors with the opportunity to gain exposure to technologically unique companies and industries that have yet to reach the peak of their growth. Consequently, this program is risky, aggressive in nature, and therefore, subject to extreme market volatility. Only clients with compatible investment-related predispositions, such as risk tolerance and investment goals, will be eligible to participate in this investment program. In general, a bottom-up investment approach will be used to identify companies with promising fundamentals, attractive growth prospects, and favorable business models that have recurring revenue streams. Although relevant macro-economic factors will be considered in making investment decisions, the primary focus will be on the individual business and its competitive position in the marketplace. Traditional valuation methodologies, such as discounted cash flow and comparative valuation models will be used to identify the attractiveness of the investment with respect to its historical and expected ADV Part 2A – Firm Brochure Page 6 Firefighters United Financial Services™ intrinsic value. Furthermore, an in-depth review of corporate management will be conducted to assess the efficacy of management’s decision-making, the robustness of its corporate governance framework, and the historical ability of management to attain their financial goals. Financial due diligence will primarily revolve around market share dominance, growth prospects, free cash flow generation, and ratio analysis, which can provide meaningful insight into the company’s liquidity and capital structure. Examples of ratios could include the current ratio, quick ratio, debt to equity ratio, and debt to assets ratio. Moreover, further analysis of both the income and cash flow statements will depict the operating performance of the company. Examples of such metrics that could be examined are revenue growth, earnings growth, operating margins, return on equity, and return on assets. The investment program will utilize different portfolio management techniques and guidelines to optimize the portfolio’s risk/reward parameters and thereby increase portfolio efficiency. To avoid idiosyncratic risk, the following guidelines have been put in place to promote diversification and reduce the portfolio’s industry concentration. The guidelines are as follows for this portfolio: (i) the portfolio, in general, will hold no more than 15 stocks, (ii) individual equity positions, generally, will not exceed 20 percent of the portfolio’s value, (iii) industry group and sub-sector holdings, in general, cannot exceed 40% of the portfolio, (iv) account total cash position, in general, cannot exceed 45% of portfolio value. The GMVS™ program includes different threshold balances of assets under management. In general, the minimum requirement to participate in the program is $100,000 in assets under management. However, in order to accommodate some of the firm’s legacy household clients and/or to be able, under certain circumstances, to provide additional investment options, the GMVS™ program has created a diluted version of its main discipline with lower threshold minimums of under $100,000 in assets under management. The underlying number and type of equity positions that make up the entire GMVS™ portfolio will vary based on the assets’ threshold balances in the program. For example, the GMVS™ program with accounts’ thresholds in assets under management of over $100,000 will likely carry higher number of different underlying equity positions in order to better target specific sectors and industries in the world economy. On the other hand, lower GMVS™ thresholds’ account balances of under $100,000 in assets under management will likely carry fewer underlying equity positions that are typically apart of the higher threshold account balances of the GMVS™ program. As such, accounts engaged in the GMVS™ discipline which maintain less than the $100,000 in assets under management threshold balances will be subject to increased concentration risk, as well as likely higher company risk, equity risk, volatility risk, market risk, capital risk, foreign exposure risk, legal and regulatory risk, liquidity risk, strategy risk, inflation risk, and interest rate risk. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. ADV Part 2A – Firm Brochure Page 7 Firefighters United Financial Services™ b. Fixed Income Portfolios (FIP ® ): Fixed Income Portfolio (FIP®) offers a discretionary fee-based value strategy that includes discounted/ premium taxable high yield bonds, double tax-exempt and taxable municipal bonds, preferred stocks, convertible bonds, and foreign- denominated bonds. The firm emphasizes discounted high-grade debt securities over equity and alternative investments in order to achieve both constant annual income returns and fixed income price appreciation. The firm may use proceeds accumulated from bond redemptions and income generated in order to invest in equities. Additionally, the investment process is gradual, fundamental in nature; and therefore, at times, supply constraints as well as low interest rate environment could lead to excessive cash balances whereby many of the buy orders bid on are not executed in a timely manner. Our group performs daily, in-depth, independent research of debt instruments regardless of size and ratings. In-house research of all prospectuses and published updates are analyzed and stacked against both the rating agencies’ opinion, and the street research reports. In addition, the same In- house research is also applied to the Municipal Debt Market in California. Near three decades of researching and investing in this space has landed our firm with a large data base of a vast California Municipal Debt issuance as well as a unique set of expertise to enable us to capitalize quickly when dislocations in this debt market occur. Management of Fixed Income Portfolios (FIP ® ) can be performed on a dual platform: Discretionary and Non-Discretionary fee basis (Registered Investment Advisor), and Discretionary and Non-Discretionary transactional basis through our firm’s association with the broker dealer: Purshe Kaplan Sterling Investments (PKS), and their clearing operations with National Financial Services (NFS). Additionally, the broker-dealers we do advisory business with and/or our firm’s preferred custodian-Schwab Institutional, may clear through RBC Capital Markets LLC, Pershing LLC, Legent Clearing, Inc. and Wedbush Morgan Securities. We seek professional Bid/Offer execution of bond trades, across all Fixed Income Desks on Wall Street. It is our motto to fight on behalf of our clients for best-in-class executions. In order to accomplish this optimal Bid/Offer pricing principal, we first establish multiple relationships with Fixed Income desks around the country. Second, all bond purchase Offerings are Bid on, and finally, all bond sell Offerings are put out for a Bid from at least three bond desks on Wall Street. This process ensures best in class trade executions; and therefore, substantially improves Bid/Offer pricings for the firm’s clients. In many cases, and at odds with Wall Street practices, this Bid/Offer execution platform is duplicated for odd lot bond offerings where there is not enough liquidity; thereby, allowing our firm to Bid on bond Offerings at even deeper discounts then is warranted in a typical marketplace. Lastly, independently of on which bond desk a Fixed Income transaction took place, all trades settle with our firm’s preferred custodian; Schwab Institutional. ADV Part 2A – Firm Brochure Page 8 Firefighters United Financial Services™ Periodic ongoing reviews are scheduled with all clients. This process includes the followings:  Review of the entire portfolio as well as its underlying Fixed Income Securities benchmarked each quarter against their respective Fixed Income indexes;  Recalibrate each client’s asset allocation models as his or her life circumstances change, and;  Present consolidated reporting that incorporates the Fixed Income Portfolios (FIP) with the entire holdings of the clients’ other investments disciplines. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. c. Independent Relative- and Value-Oriented Global Equity Portfolios: (1) Total Asset Fund (“TAF ® ”): “TAF®” offers a unique, discretionary fee based, managed money program that utilizes “no load” Exchange Traded Funds (ETFs) and/or Index Funds (Although there are no upfront sales charges, other fees and expenses do apply) in order to structure long-term Global Asset Allocation portfolios. The program endorses a top-down value discipline that seeks to identify globally undervalued Markets, Economic Sectors, Industries, Fixed Income, and Specific Securities in “Super Cycles” that sell at discounts to both their respective and historical intrinsic values. “Super Cycles” are defined as undervalued Economic Sectors, and Industries in the Global Economy that our firm believes are best positioned for “Long- Term Growth”. The select list due diligence process begins with a rigorous screening process of the entire global universe of over 1000 Exchange and/or Index Traded Funds (ETFs). Next, qualitative and quantitative assessments are applied for deciding on the best in class underlying funds that will end up making the Total Asset Fund (TAF®) portfolio. This extensive due diligence process of filtering out the entire global universe of all Exchange and/or Traded Index Funds includes, but is not limited to, the followings:  Researching organizational ownership;  Finding out portfolio management tenure;  Understanding the investment process and its implementation, and;  Studying long and short-term performance results. This process also attempts to evaluate risk/reward parameters assumed by Exchange and/or Traded Index Funds as measured by their quantitative and/or Mathematical Calculations of Risk. The followings are some of the criteria studied when quantitative risk parameters are evaluated: Beta, Alpha, Standard Deviation, Sharpe Ratio, and R-Squared. In addition, the followings are some of the risk parameters researched when qualitative data is included: Market Risk, Economic Sector Risk, Industry Risk, Significant Sector and ADV Part 2A – Firm Brochure Page 9 Firefighters United Financial Services™ Position Concentration Risk, Liquidity Risk, Management Fee Risk, and Net Asset Value Risk defined as market pricing at either above (Premium), below (Discount) or at (Par) to the Exchange Trading Fund’s true Net Asset Value. The program utilizes general asset management guidelines in order to attempt to achieve favorable risk/reward performance results independent of the market’s strength or weakness. The following are the guidelines implemented: (i) The portfolio, normally will not hold less than six Exchange Traded and/or Index Funds (ETFs), (ii) The discipline’s total cash position normally will not exceed 30% of the portfolio value, and (iii) Sector Exchange Traded and/or Index Fund value normally will not exceed 45% of the portfolio value. Throughout the tenure of the Total Asset Fund (TAF®) program, Global Asset Allocation models are either rebalanced quarterly, semi-annually, or annually. This process of rebalancing a diversified global portfolio across a strategic combination of asset classes, in turn can potentially increase the investment overall returns while decreasing its volatility. In general, Firefighters United Financial Services™’s “Top Down” global value strategy determines its ongoing asset allocation weighting among its underlying disciplines and asset classes. The investment process is gradual, fundamental in nature, and occasionally, technically driven. Implementing fundamental and technical analysis to uncover oversold market conditions can lead to excessive cash balances in the interim. Lastly, periodic ongoing reviews are scheduled with all clients. This process includes the followings:  Review of the entire portfolio as well as its underlying Exchange and/or Index Funds (ETFs) benchmarked each quarter against their respective Equity and Fixed Income indexes;  Recalibrate each client’s asset allocation models as his or her life circumstances change, and;  Present consolidated reporting that incorporates the Total Asset Fund (TAF®) portfolio with the entire holdings of the clients’ other investments disciplines. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. (2) Total Asset Market (“TAM ® ”): “TAM®” offers a disciplined, discretionary, and non-discretionary fee based mutual fund of funds program. It attempts to establish long-term Strategic Asset Allocation portfolios that are made out of a few select, mutual funds that are purchased at Net Asset Value (NAV). These funds are chosen out of a total universe of approximately 200 mutual fund families that include unaffiliated load-waived and no-load funds (Although there are no upfront sales charges, other fees and expenses do apply). ADV Part 2A – Firm Brochure Page 10 Firefighters United Financial Services™ The program endorses a top-down value discipline that seeks to identify globally undervalued Markets, Economic Sectors, Industries, Fixed Income, and Specific Securities in “Super Cycles” that sell at discounts to both their respective and historical intrinsic values. “Super Cycles” are defined as undervalued Economic Sectors, and Industries in the Global Economy that our firm believes are best positioned for “Long- Term Growth”. The due diligence process aims to identify some of the world’s best underlying mutual funds. It begins with a rigorous screening process of the entire global universe of about 200 mutual fund families. Next, qualitative, and quantitative assessments are applied for deciding on the best in class underlying mutual funds that will end up making the Total Asset Market (TAM®) portfolio. This extensive due diligence process of filtering out a global universe of approximately 200 mutual fund families includes but is not limited to the followings: (i) Researching organizational ownership, (ii) Finding out portfolio management tenure, (iii) Understanding the investment process and its implementation, and (iv) Studying long and short-term performance results. This process also attempts to evaluate risk/reward parameters assumed by the mutual fund managers as measured by their quantitative and/or Mathematical Calculations of Risk. The following are some of the criteria studied when quantitative risk parameters are evaluated: Beta, Alpha, Standard Deviation, Sharpe Ratio, and R-Squared. On the other hand, the following are some of the risk parameters studied when qualitative data is evaluated: Market Risk, Economic Sector Risk, Industry Risk, Significant Sector and Position Concentration Risk, Liquidity Risk, and Management Fee Risk of expense ratios, 12b-1 charges, and early withdrawals. The TAM program includes different assets under management thresholds. In general, the minimum requirement to participate in the program is $75,000 in assets under management. However, in order to accommodate some of the firm’s legacy household clients and/or to be able, under certain circumstances, to provide additional investment options, the TAM program has created a diluted version of its main discipline with lower threshold minimums than $75,000 in assets under management. The underlying number and type of mutual funds that make up the entire TAM portfolio will vary based on the assets’ threshold in the program. For example, the TAM program with assets under management of over $75,000 will likely carry a higher number of different underlying mutual funds in order to better target specific sectors and industries in world economy. On the other hand, lower TAM threshold account balances than $75,000 in assets under management will likely carry fewer underlying of different family funds that are typically apart of the higher threshold balances of the TAM program. As such, accounts engaged in the TAM discipline which maintain less than the $75,000 in assets under management threshold balances will be subject to increased concentration risk, as well as higher likely risks associated with the company risk, equity ADV Part 2A – Firm Brochure Page 11 Firefighters United Financial Services™ risk, volatility risk, market risk, capital risk, foreign exposure risk, legal and regulatory risk, liquidity risk, strategy risk, inflation risk, and interest rate risk. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. Throughout the tenure of the Total Asset Market (TAM®) program, Global Asset Allocation models are either rebalanced quarterly, semi-annually, or annually in order to achieve an optimal strategic asset allocation on the Efficient Frontier. This process of rebalancing a diversified global portfolio across a strategic combination of asset classes, in turn can potentially increase overall investment returns while decreasing volatility. Additionally, the investment process is gradual, fundamental in nature, and occasionally technically driven. Implementing fundamental and technical analysis to uncover oversold market conditions can lead to excessive cash balances in the interim. Lastly, the firm attempts to schedule periodic ongoing reviews

with all clients. This process includes the followings:  Review of the entire portfolio as well as its underlying mutual funds benchmarked each quarter against their respective Equity and Fixed Income indexes;  Recalibrate each client’s asset allocation models as his or her life circumstances change, and;  Present consolidated reporting that incorporates the Total Asset Market® (TAM®) portfolio with the entire holdings of the clients’ other investments disciplines. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. (3) Market Value Securities (“MVS ® ”): Market Value Securities (MVS®) offers a strategic, discretionary fee-based, long-term approach to Global Asset Allocation portfolios of mainly small to large cap individual equities. Additionally, at times this program reserves the option to purchase preferred, convertible preferred stocks, warrants, rights offering and options. Qualified participants, with signed Options Trading, and Margin Application on file, will participate, when deemed appropriate, in purchasing of options (Level 1) for Growth, Speculation, and Income, in Spread Trading (Level 2), and in Uncovered Options Trading (Level 3) for Speculation and Income. The investment philosophy is founded on the belief that superior investment performance depends primarily on investing in the most attractive global Economic Sectors, and Sub-Industries based, in general, on supply and demand analysis. The program endorses a top-down value discipline that seeks to identify globally undervalued Markets, Economic Sectors, Industries, and Specific Securities in “Super Cycles” that sell at discounts to both their respective and historical intrinsic values. “Super Cycles” are defined as undervalued Economic Sectors, and Industries in the ADV Part 2A – Firm Brochure Page 12 Firefighters United Financial Services™ Global Economy that our firm believes are best positioned for “Long-Term Growth”. For example, in our view, “Super Cycles” can encompass industrial and/or technological developments, similar to the internet wave of the 90s, that potentially can change the way individuals consume, socialize and communicate with one another. The first step in the process analyzes the relative attractiveness of global Economic Sectors, and their Sub-Industries. This is done first via in-depth analysis of supply and demand fundamentals, and growth rate projections. Second, global Economic Sectors and Sub-Industries are identified and selected. Third, individual small to large cap equities are researched. At the end, a rigorous due diligence process is implemented for identifying and selecting individual equities that sell at discounts to their respective and historical intrinsic values. Intrinsic values are determined by using discounted cash flow and relative valuation models. The fundamental analysis used to select the individual equities that end up making the Market Value Securities portfolio (MVS®) includes primarily low absolute and relative valuations such as price/earnings, price/book, price/cash, and debt to equity ratios. Other fundamental research followed is based on analysis of barriers to entry, market share, return on equity, growth projections, liquidity, market capitalization, free cash flow generation, debt structure, management tenure, quality of brand, and franchise value. The program utilizes general asset management guidelines in an attempt to achieve favorable risk/reward performance results independent of the market’s strength or weakness. The following are the disciplines implemented: (i) The portfolio, in general, can’t hold less than twenty stocks, (ii) Individual equity positions, in general, can’t exceed 15% of the portfolio value, (iii) Economic Sector holdings, in general, can’t exceed 45% of the portfolio value, (iv) Industry group holdings can’t, in general, exceed 30% of the portfolio value, (v) Account total cash position, in general, can’t exceed 30% of portfolio value; thereafter, the initial gradual process of allocating the funds per the program’s investment discipline, and (vi) In general, the portfolio can’t hold less than six Economic Sectors. In general, Firefighters United Financial Services™’s “Top Down” global value strategy and its bottom-up individual stock selection determine its ongoing asset allocation weighting among its underlying individual equity positions. The investment process is gradual, fundamental in nature, and occasionally, technically driven. Implementing fundamental and technical analysis to uncover oversold market conditions can lead to excessive cash balances in the interim. Our firm believes that prior to a “Super Cycle” peak companies will have massive capital expenditures associated with Growth, Mergers and Acquisitions activities. Eventually, at the height of a “Super Cycle” the sector and its individual equities will dominate the market from an earnings and market capitalization standpoint. For example, Technology and Telecommunications grew to 40% of the S&P 500 Index in February of 2000, and during the Japanese Real Estate bubble, properties in that country were valued at more than the entire combined U.S Real Estate market. When these signs are apparent, we will attempt to rotate out of the Economic Sectors, Sub-Industries, and ADV Part 2A – Firm Brochure Page 13 Firefighters United Financial Services™ their related Individual Equities in favor of new undervalued Economic Sectors and Sub- Industries in the world’s economy. Lastly, periodic ongoing reviews are scheduled with all clients. This process includes the followings:  Review of the entire portfolio as well as its underlying Economic Sectors, Sub- Industries and their respective Individual Equities benchmarked each quarter against their respective Equity and World Indexes;  Recalibrate each client’s asset allocation models as his or her life circumstances change, and;  Present consolidated reporting that incorporates the Market Value Securities or Growth Market Value Securities (MVS® or GMVS®) portfolios with the entire holdings of the clients’ other investments disciplines. The MVS® program includes different threshold balances of assets under management. In general, the minimum requirement to participate in the program is $100,000 in assets under management. However, in order to accommodate some of the firm’s legacy household clients and/or to be able, under certain circumstances, to provide additional investment options, the MVS® program has created a diluted version of its main discipline with lower threshold minimums of under $100,000 in assets under management. The underlying number and type of individual equity positions that make up the entire MVS® portfolio will vary based on the accounts’ threshold balances in the program. For example, the MVS® program with assets under management of over $100,000 will likely carry higher number of different underlying equity positions in order to better target specific sectors and industries in the world economy. On the other hand, lower MVS® thresholds’ balances than $100,000 in assets under management will likely carry fewer underlying equity positions that are typically apart of the higher threshold MVS® program. As such, accounts engaged in the MVS® discipline which maintain less than the $100,000 threshold balances in assets undermanagement will be subject to increased concentration risk, as well as likely higher company risk, equity risk, volatility risk, market risk, capital risk, foreign exposure risk, legal and regulatory risk, liquidity risk, strategy risk, inflation risk, and interest rate risk. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. (4) Total Asset Value (“TAV®”): Total Asset Value (TAV®) investment program offers a unique platform that attempts to combine, on a discretionary fee basis, four of Firefighters United Financial Services’™ investment disciplines. These investment disciplines include: 1) Total Asset Market (TAM®) 2) Total Asset Fund (TAF®); ADV Part 2A – Firm Brochure Page 14 Firefighters United Financial Services™ 3) Market Value Securities (MVS®) or Growth Market Value Securities Portfolios (GMVS®) 4) Fixed Income Portfolio (FIP®). Please Note: Total Asset Value (TAV®) is a diluted version of the above investment programs. Additionally, when Growth Market Value Securities (GMVS®) becomes the individual equity allocation in the TAV program as opposed to the Market Value Securities (MVS®) equity allocation, in general the volatility risk of the entire program is likely to increase. Total Asset Value ("TAV®") program is divided into two main investment disciplines: TAV® (a) Aggressive, and TAV® (ma) Moderately Aggressive. TAV® (a) Aggressive strives to achieve an asset allocation model which, in general, includes 25% investment weighting in Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), 35% investment weighting in Total Asset Fund (TAF®), and 40% investment weighting in Total Asset Market (TAM®). On the other hand, TAV® (ma) Moderately Aggressive strives to achieve an asset allocation model which, in general, includes 20% investment weighting in Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), 35% investment weighting in Total Asset Fund (TAF®) and 45% investment weighting in Total Asset Market (TAM®). Firefighters United Financial Services™’s "Top Down" global value strategy determines its ongoing asset allocation weighting among its three underlining disciplines namely MVS or alternatively GMVS, TAF and TAM in an attempt to achieve optimum risk reward performance results. Total Asset Value ("TAV®") is also subdivided into the following four additional main categories which include Fixed Income Portfolio (FIP®): (1) TAV® (a) Aggressive (FIP®) that strives to achieve an asset allocation model which, in general, includes 17% investment weighting in Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), 25% investment weighting in Total Asset Fund (TAF®), 28% investment weighting in Total Asset Market (TAM®), and 30% investment weighting in Fixed Income Portfolio (FIP®). (2) TAV® (ma) Moderately Aggressive (FIP®) that strives to achieve an asset allocation model which, in general, includes 13% investment weighting in Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), 20% investment weighting in Total Asset Fund (TAF), 27% investment weighting in Total Asset Market (TAM®), and 40% investment weighting in Fixed Income Portfolio (FIP®). (3) TAV® (FIP®) that strives to achieve an asset allocation model which, in general, includes 30% investment weighting in either Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), Total Asset Fund (TAF®) or Total Asset Market (TAM®), and 70% investment weighting in Fixed Income Portfolio (FIP®). As with the previous two main Total Asset Value ("TAV®") programs, Firefighters United Financial Services™’s "Top Down" global value strategy determines its ongoing asset allocation weighting among its four underlining disciplines namely MVS or alternatively ADV Part 2A – Firm Brochure Page 15 Firefighters United Financial Services™ GMVS, TAF, TAM, and FIP in an attempt to achieve an optimum risk reward performance result. (5) TAV® (FIP®) International, in general, utilizes alternative investments to U.S. domestic mutual funds. This program, designed for mostly foreign investors, includes the following three asset allocation models: a.) Total Asset Fund (TAF®), b.) Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), and c.) Fixed Income Portfolio (FIP®). The program disciplines include the following three sub categories: 1) TAV® (FIP®) International Portfolio that, in general, strives to achieve an asset allocation model of 55% investment weighting in Fixed Income Portfolio (FIP®), 15% investment weighting in Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), and 30% investment weighting in Total Asset Fund (TAF®), 2) TAV® (a) Aggressive (FIP®) International Portfolio that, in general, strives to achieve an asset allocation model of 40% investment weighting in Fixed Income Portfolio, 25% investment weighting in Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), and 35% investment weighting in Total Asset Fund (TAF®), and 3) TAV® (ma) Moderately Aggressive (FIP®) International Portfolio that, in general, strives to achieve an asset allocation model of 45% investment weighing in Fixed Income Portfolio (FIP®), 35% investment weighting in Market Value Securities (MVS®) or alternatively Growth Market Value Securities (GMVS®), and 20% investment weighting in Total Asset Fund (TAF®). As with the previous TAV programs, Tamar Securities, LLC’s “Top Down” global value strategy determines its ongoing asset allocation weighting among its underlining disciplines and asset classes. The investment process is gradual, fundamental in nature, and occasionally, technically driven. Implementing fundamental and technical analysis to uncover oversold market conditions can lead to excessive cash balances in the interim. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. (6) Fixed Income Portfolio (FIP®) and Market Value Securities (MVS®) Hybrid: This program combines the firm's MVS® global asset allocation portfolio of mainly small to large cap individual equities with our FIP® fixed income strategy of individual bonds such as discounted or premium taxable high yield bonds, double tax-exempt and taxable municipal bonds, preferred stocks, convertible bonds, and foreign- denominated bonds as follows: 1) FIP® MVS® Hybrid that strives to achieve an asset allocation model which in general consists of 60% investing weighting into the Fixed Income Portfolio (FIP®) strategy, and 40% investment weighting into the Market Value Securities (MVS®) program; 2) MVS® FIP® A (Aggressive) that strives to achieve an asset allocation model which in general consists of 70% investment weighing into the Market Value Securities (MVS®) program, and 30% investment weighting into the Fixed Income Portfolio (FIP®) strategy and; ADV Part 2A – Firm Brochure Page 16 Firefighters United Financial Services™ 3) MVS® FIP® MA (Moderately Aggressive) that strives to achieve an asset allocation model which in general consists of 60% investment weighting into the Market Value Securities (MVS®) program, and 40% investment weighting into the Fixed Income Portfolio (FIP®) strategy. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. (7) Cash Management: Cash management consists in general of short duration fixed income securities such as taxable and tax-free institutional money market funds, FDIC insured certificate of deposits, Treasury bills, mortgage-backed securities, commercial paper, government agencies, and low-to high grade corporate bonds, tax free and taxable municipal bonds, step up coupon bonds, convertible bonds, and preferred and floating rate preferred stocks. These portfolios can be subject to interest rate risk, credit risk, and market volatility risk. This program considers liquidity and cash needs per each individual or entity's unique requirements by structuring diversified laddered fixed income portfolios with different maturities, coupon payments and credit risks. Additional information on the relevant risks associated with investing within this program can be found in Item 8 of this Brochure. 2. Independent Money Managers: Our firm does not currently offer Independent Money Managers services. However, we have some Legacy clients enrolled in this service. 3. Financial Planning and Consulting: Our firm provides a variety of standalone financial planning and consulting services to clients for the management of financial resources based upon an analysis of current situation, goals, and objectives to clients who do not wish to engage in our Portfolio Management services. Financial planning services will typically involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, or Business and Personal Financial Planning. Written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients (e.g., recommending that clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education or charitable giving programs). Implementation of the recommendations will be at the discretion of the client. We may also refer clients to an accountant, attorney or other specialist. Our firm provides clients with a summary of their financial situation, and observations for financial planning engagements. Financial consultations are not typically accompanied by a written ADV Part 2A – Firm Brochure Page 17 Firefighters United Financial Services™ summary of observations and recommendations, as the process is less formal than the planning service. Assuming that all the information and documents requested from the client are provided promptly, plans or consultations are typically completed within 6 months of the client signing a contract with our firm. 4. Alternative Investments: Alternative Investments primary strategies include: a Long/Short Technology hedge fund, a Private Equity Fund, and a Private Equity Real Estate Portfolio. Our firm can endorse non- traditional investment strategies that could provide hedges and/or some downside market protection. For more information, please see Item 6 of this Firm Brochure. 5. Professional Alliance Network: Our firm’s Professional Alliance Network endorses, when appropriate, a secure environment in which the firm’s clients can find reputable professional services for transacting business activities such as Estate Planning, Insurance Purchases, and Mortgage Banking. Our firm employs a very selective process through which it identifies senior professionals that complement the overall financial needs of our clients. The Professional Alliance Network business model is based on an objective, and extensive due diligence process that attempts to select first class experienced professionals in their fields of expertise; and thereafter, to develop direct “firm to firm” relationships for the benefit of our clients. Some of the stringent criteria senior professionals comply with include the following: (i) Tenure and experience of the business professional, (ii) Extensive interviews of the lead professional and its staff members, (iii) In-depth investigations of all available referrals, (iv) Disclosure of organizational ownership (v) Orderly development of the business process and its implementation, (vi) Evaluating the personalities involved and their potential match with our firm’s clients, (vii) Allowing investigations of past complaints and pending unresolved legal matters, and (viii) Executing an independent, fully transparent, and competitive product purchases on best in class quality and price. When appropriate, financial products that are sold and generate disclosed-and-transparent commissions and/or fees will be shared by the professionals performing the task with our firm. At the end of this process, ongoing reviews are scheduled with all clients utilizing the Professional Alliance Network. This process includes the followings: (i) Review of the analysis done, recommended and implemented, and how does it enhance the client’s overall financial planning, (ii) Recalibrate each client’s financial planning models as his or her life circumstances change, and (iii) Present consolidated reporting that incorporates the products of the Professional Alliance Network with the entire holdings of the clients’ other investments disciplines. C. Explanation of whether (and, if so, how) we tailor our advisory services to the individual needs of clients, whether clients may impose restrictions on investing in certain securities or types of securities. 1. Individual Tailoring of Advice to Clients: ADV Part 2A – Firm Brochure Page 18 Firefighters United Financial Services™ At our firm all the services provided first begin with an in-depth analysis of each client’s unique personal criteria that include but is not limited to their goals, needs, risk tolerance, income needs, growth guidelines, tax consequences, legal issues, liquidity requirements, estate planning and investment objectives. The following main investment program should assist our firm to implement our individualized investment findings: (1) Fixed Income Portfolio (FIP®) , exchange-traded fund of funds portfolio (TAF®), mutual fund of funds portfolio (TAM®), individual equity portfolio (MVS® or GMVS®), a balanced portfolio of the firm’s four main disciplines (“TAV®”), and when appropriate, Alternative Investments for qualified investors. Additionally, we offer in-house Financial Planning and estate planning via the Professional Alliance Network. 2. Ability of Clients to Impose Restrictions on Investing in Certain Securities or Types of Securities: We do not usually allow Portfolio Management clients to impose restrictions on investing in certain securities or types of securities due to the level of difficulty this would entail in managing their account. Exceptions will be made on a case-by-case basis. In the rare instance where we would allow restrictions, it would be limited to issues of either social or environmental conflicts. Such restrictions, if implemented, will be either signed and entered in writing prior to any investment implementation or notated in the client’s file. D. Participation in Wrap Fee Programs. Our firm does not currently offer or sponsor a Wrap Account Portfolio Management services. However, we have some Legacy Clients enrolled in the Wrap Account Portfolio Management service E. Disclosure of the amount of client assets we manage on a discretionary basis and the amount of client assets we manage on a non-discretionary basis. We manage $1,077,626,651 on a discretionary basis and $11,601,858 on a non-discretionary basis as of 12/31/2023, totaling an aggregate $1,089,228,509 in Assets Under Management.