Comprehensive Financial Management LLC (“CFM”) is a California limited liability company operating as a multi-family office and investment advisory firm. CFM was founded by Michael G. Mohr in August, 1986 and began offering its current services in 1996. CFM is currently managed by two partners – Gregory R. Hardester, who joined in 1996; and Jeffrey R. Alvord, who joined in 2007. CFM is wholly- owned by its principals. CFM views every client relationship as a long-term partnership. We seek client input and welcome feedback on how to serve our clients better. We tailor investment strategies to fit the short and long-term goals and needs of our clients. CFM customizes and personalizes our broad range of services to provide each client with the best service possible. In addition to investment advisory services, CFM also provides the following services to our clients:
• Financial planning
• Estate planning
• Tax management, analysis, and consulting
• Accounting and bill pay
• Financial audit assistance
• Lifestyle asset acquisition and management
• Governance consulting
• Philanthropic management
• Risk management consulting Investment Advisory and Financial Planning Services CFM’s investment advisory and financial planning services are designed to be part of a collaborative process that results in an integrated approach to meeting each client’s short and long-term goals and targets. Each client has an engagement manager who works with the client to design and implement investment strategies that will deliver the financial means to achieve the client’s goals, targets, and aspirations. CFM generally utilizes the following process to design a custom set of investment strategies and services for each client:
• Identify and prioritize client goals and objectives: CFM tailors each client’s investment portfolio based on a detailed understanding of the client’s goals, objectives, and preferences. Goals include financial security, support of family members, wealth preservation, business responsibilities, and charitable and philanthropic goals.
• Gather and analyze relevant information: CFM uses data to recommend asset allocation and investment strategies. CFM may work with third-party service providers (legal, accounting, and other advisers) to obtain

relevant information and coordinate strategies and actions.
• Propose recommendations: CFM prepares a plan for the client. Strategies and plans are revised until the plan satisfies the client or the engagement manager.
• Plan Implementation: After the client or engagement manager approves the plan, CFM begins the implementation process, drawing on existing investments, in-house financial professionals and external manager relationships as appropriate.
• Monitoring progress: CFM reviews goals at least annually to ensure progress and continued alignment with client objectives. Clients can review their goals with CFM at any time. In some cases, a trust or other entity is created to benefit a client’s family member and the investment plan is driven by the terms of the gift and the nature of the entity. IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor (“DOL”) Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL’s Prohibited Transaction Exemption 2020-02 (“PTE 2020-02”) where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. As of December 31, 2023, CFM managed $16,674,688,257 in total assets on a solely discretionary basis.