Financial Management Strategies, Inc. (FMS) is a Registered Investment Adviser that is registered with the U.S. Securities & Exchange Commission (SEC). As an Advisory firm, FMS, which is wholly owned by a group of its affiliated Investment Advisers, acts as a fiduciary when working with clients. As a fiduciary, we are held to the highest standard of care in the financial industry. This means our advice and actions are guided by a clear set of core duties designed to protect and advance your best interests:

• Act in your best interest: We are legally required to prioritize your financial well-being above our own.
• Disclose potential conflicts: We fully and fairly disclose any potential conflicts so you can make informed decisions.
• Provide objective advice: Our recommendations are based solely on what is best for you, not on what is most profitable for us.
• Align strategies with your goals: Every strategy we design reflects your specific objectives, needs, and circumstances.
• Consider cost-efficiency: We consider both cost and efficiency when executing trades or selecting investments.
• Ensure accuracy in recommendations: We base our guidance on the most accurate and current information available.
• Maintain transparency: We are upfront with you about our fees, which typically are a percentage of assets under management or a flat fee, and disclose all material facts relevant to your relationship with us.

Just as we stand behind you in pursuing your financial goals, we are supported by a network of respected firms that provide the resources and operational strength we need to serve you effectively.