HILL INVESTMENT GROUP PARTNERS, LLC

The advisory business involves third-party promoters who introduce potential clients. These promoters must provide the potential client with a copy of the disclosure brochure and a disclosure statement explaining the compensation arrangement for the referral. The disclosure statement must include information about whether the promoter is a client or non-client, the compensation for the referral, material conflicts of interest, and the material terms of the compensation arrangement. The advisory business also involves relationships with other Focus firms. For services provided by FRS to clients of other Focus firms, FRS receives a percentage of the upfront commission or a percentage of the ongoing premiums for policies placed with insurance carriers. This compensation does not come from insurance solutions provided to any of the advisory firm's clients, but the volume generated by client transactions benefits FRS and Focus in attracting, retaining, and negotiating with brokers and insurance carriers. The firm mitigates this conflict by fully disclosing the arrangements to clients and offering FRS solutions on a nondiscretionary and fully disclosed basis.

HIG's investment philosophy is designed for investors who desire a buy-and-hold strategy. They believe that frequent securities trading increases brokerage and other transaction costs, which their strategy seeks to minimize. They also avoid securities that they believe classify as having any unusual risks. HIG's investment advice seeks to limit risk through broad diversification among asset classes. They work with clients to create written investment objectives or a written investment policy statement based on the client's goals and risk tolerance. HIG uses investment and portfolio allocation software to evaluate alternative portfolio designs and monitors the client's portfolio holdings and overall asset allocation strategy at least quarterly.

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