Fidelity Investments

Fidelity’s mission is to strengthen the financial well-being of our customers and deliver better outcomes for the clients and businesses we serve. Fidelity’s strength comes from the scale of our diversified, market-leading financial services businesses that serve individuals, families, employers, wealth management firms, and institutions. With assets under administration of $12.6 trillion, including discretionary assets of $4.9 trillion as of December 31, 2023, we focus on meeting the unique needs of a broad and growing customer base. Privately held for 77 years, Fidelity employs more than 74,000 associates with its headquarters in Boston and a global presence spanning nine countries across North America, Europe, Asia and Australia. For our Terms and Conditions, please visit http://go.fidelity.com/LIterms

john hancock

At John Hancock, we have a simple mission: helping our customers live longer, healthier, better lives.™For over 160 years, people have trusted us to be honest, reliable, and 100% committed to our customers. Now, we are marrying the best of a longstanding company with leading-edge innovation that is transforming our industry. Whether it’s helping our clients plan for their financial future, helping local communities grow stronger, or helping our employees chart a course for their careers, we’re committed to offering help every step of the way. For terms of use, please visit: https://www.johnhancock.com/legal.html John Hancock is an equal opportunity employer - AA/F/M/D/V

Santander US

Santander in the U.S. is a diversified financial business with ~15,000 employees, 5 million customers and $155 billion in assets. Santander’s purpose is to help people and businesses prosper. In the U.S., Santander does this through Santander Bank, N.A. (SBNA), its retail and commercial bank in the U.S. northeast; Santander Consumer USA Holdings Inc. (SC, NYSE: SC), its consumer finance unit based in Dallas, Texas; through private banking through Banco Santander International in Miami; and in investment banking and markets through a New York branch and Santander Investment Securities, Inc. Santander US is part of Banco Santander S.A. (NYSE:SAN), a leading retail and commercial bank based in Spain with a meaningful presence in 10 core markets in Europe and the Americas.

Morningstar

Morningstar, Inc. is a leading provider of independent investment insights in North America, Europe, Australia, and Asia. The Company offers an extensive line of products and solutions that serve a wide range of market participants, including individual and institutional investors in public and private capital markets, financial advisors and wealth managers, asset managers, retirement plan providers and sponsors, and issuers of fixed-income securities. Morningstar provides data and research insights on a wide range of investment offerings, including managed investment products, publicly listed companies, private capital markets, debt securities, and real-time global market data. Morningstar also offers investment management services through its investment advisory subsidiaries, with approximately $328 billion in AUMA as of Sept. 30, 2024. The Company operates through wholly-owned subsidiaries in 32 countries.

citizens wealth management

Citizens Wealth Management is a division of Citizens Financial Group, Inc. (NYSE CFG) - one of the oldest and largest financial institutions in the United States. Our wealth management division is well positioned to help meet the needs of individuals and families. We serve our clients by offering financial planning, retirement planning, insurance and other services. Citizens Wealth Advisors focus on what's most important to help our clients craft a personalized financial plan - no matter where they are on their financial journey. Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens. SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE: *NOT FDIC INSURED *NOT BANK GUARANTEED *NOT A DEPOSIT *NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY *MAY LOSE VALUE