HOEY INVESTMENTS, INC

Hoey Investments, Inc. is an independently owned SEC-registered advisor founded in January 2008. The firm is headquartered in Coatesville, Pennsylvania and is owned and operated by Francis Hoey, who serves as President and firm Principal. Hoey Investments provides investment advisory services on a discretionary basis to a variety of clients, including individuals, pension and profit-sharing plans, business entities, trusts, estates, and charitable organizations. These services are tailored to each client's individual goals, objectives, time horizon, and risk tolerance. In addition to investment advisory services, Hoey Investments may also provide financial planning and consulting services on a stand-alone fee basis. These services may include estate planning and insurance planning, but the firm does not serve as an attorney or accountant and therefore does not prepare estate planning documents or tax returns. If requested, Hoey may recommend other professionals for implementation purposes, but the client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from the firm.

Hoey Investments utilizes two primary investment strategies: Long Term Purchases and Short Term Purchases. Long Term Purchases involve holding securities for at least a year, while Short Term Purchases involve holding securities for less than a year. Both strategies are considered fundamental investment strategies, meaning they rely on historical and present data to make financial forecasts. Longer term investment strategies require a longer investment time period to potentially develop, while shorter term investment strategies require a shorter investment time period but may incur higher transactional costs due to more frequent trading.

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