CONCENTRUM WEALTH MANAGEMENT

The advisory business offers individualized investment advice to clients utilizing their firm’s Wrap Asset Portfolio Management service. Clients can place restrictions on the types of investments held in their portfolio, though some restrictions may not be possible due to the difficulty of managing the account. The firm only offers wrap fee accounts, managed on an individualized basis according to the client’s investment objectives, financial goals, risk tolerance, etc. They do not charge performance fees. The firm utilizes both in-house and outside portfolio managers. In-house accounts are managed by licensed investment adviser representatives (“IARs”) who undergo a rigorous review process before becoming licensed. Outside portfolio managers are selected based on past performance, investment philosophy, market outlook, and their disciplinary, legal, and regulatory history. The firm does not impose any requirements to open or maintain an account and manages wrap fee accounts for a variety of clients, including individuals, high net-worth individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and corporations.

The firm utilizes a variety of investment strategies in managing client accounts, ensuring they are appropriate for the client's needs and aligned with their investment objectives, risk tolerance, and time horizons. These strategies include: * **Trading:** This involves short-term securities sold within 30 days, margin transactions, option writing (including covered and uncovered options, as well as spreading strategies), long-term purchases held for at least a year, short-term purchases sold within a year, short sales, cryptocurrency products, and private placements. * **Long-Term Purchases:** These are securities held for at least a year, aiming for long-term growth and capital appreciation. * **Short-Term Purchases:** These are securities sold within a year, focusing on generating returns through market timing and capitalizing on short-term price fluctuations. * **Short Sales:** This involves borrowing and selling securities with the expectation of buying them back at a lower price later, profiting from a decline in the security's value. * **Cryptocurrency Products:** This includes investments in various digital currencies, aiming to capitalize on the potential growth and volatility of the cryptocurrency market. * **Private Placements:** These are investments in private companies or ventures, offering potential for higher returns but also carrying higher risk.

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