You can access professionally advised investment solutions through BNY Mellon’s Pershing and its affiliated registered investment adviser, Lockwood Advisers, Inc (“Lockwood”). The combination of Lockwood and third-party investment solutions provide our Investment Advisor Representatives (IARs) with a diverse investment offering, designed to seek a broad array of investment goals.

Lockwood AdvisorFlex Portfolios

The Lockwood AdvisorFlex portfolio offers a flexible multi-manager ETF/mutual fund wrap account managed by Lockwood. With thirty-two objectives-based portfolios, the portfolios provide investors with asset allocations based on Lockwood’s capital market views, while allowing your representative the flexibility to select from a diverse universe of investment vehicles researched by Lockwood.

Lockwood/American Funds Core Portfolios

Developed by Lockwood, the portfolios consist primarily of American Funds mutual funds along with select ETFs. With three traditional portfolios, the portfolios are designed for investors seeking to combine the investment philosophies and capital market view of Lockwood with the long-term investment results of American Funds.

Lockwood Asset Allocation Portfolios

Managed by Lockwood, the portfolios are multi-manager ETF/mutual fund wrap accounts consisting of five traditional, risk based portfolios that span the risk spectrum targeting mass-affluent to high net worth investors. The portfolios provide investors with investments researched by Lockwood and asset allocations based on Lockwood’s capital market views.

Lockwood WealthStart Portfolios

Managed by Lockwood, the portfolios consist of multi-manager, multi-asset class ETF/mutual fund portfolios consisting of twelve portfolios, six tax-aware and six traditional that span the risk spectrum targeting emerging to mass-affluent investors. These portfolios are designed for investors seeking Lockwood’s investment vehicle research and portfolio management using predominately ETF portfolios.

BlackRock Portfolios

BlackRock Model Portfolios aim to intelligently incorporate active risk, either through tactical ETF trading or through exposure to active mutual funds, to further enhance potential returns and increase portfolio diversification.

Vanguard Strategic ETF Portfolios

Vanguard ETF Strategic model portfolio are designed specifically of financial advisors as complete investment solutions. Each portfolio invests in Vanguard ETFs, holding stock and/or bond funds in an asset mix that you and your advisor select.

Calvert Portfolios

Calvert’s Responsible Allocation portfolio models are built with Calvert mutual funds that utilize Calvert’s financial and responsible investment analysis, consisting of three portfolios which target mass-affluent to high net worth investors. The portfolios are designed for investors seeking broad diversification managed in accordance with Calvert’s proprietary environmental, social and governance (ESG) principles.

Morningstar Portfolios

Managed by Morningstar, these portfolios are multi-manager mutual fund portfolios using different asset allocation approaches in either mutual funds, ETFs or trusts from different third party managers that have gone through an independent, proprietary research process.

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Envestnet Asset Management Inc. (“Envestnet”) is an investment management firm founded in 1999 that provides investment management and investment advisory services through independent investment managers. Envestnet offers portfolios through 4 different investment managers to build client portfolios to attempt to assist you in achieving your financial goals.

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We are pleased to continue to service existing accounts; however, new accounts cannot be opened through this offering.

Quarterly fees for investment account management services are based on a percentage of your assets, which aligns your adviser’s interests with yours.

Fees are based solely on the level of assets in your account, independent of the level of trading activity. By deciding to pay a fee based on services provided rather than transactions, you should understand that the fee may be higher than the cost of a commission alternative during periods of lower trading activity.

There are many factors to consider when deciding if a fee-based account is right for you.

Before making a decision, you should consider: your past and anticipated investment activity; past and anticipated use of the products and services available in the account; the value and type of eligible assets; the costs and potential benefits of the service; investment objectives and goals; additional financial and planning services provided by your IAR; and personal preferences concerning available payment alternatives.

You should also consider whether it would be better to pay separately for each trade executed and each product and service used. Since these factors may change, you should periodically re-evaluate whether the ongoing use of a particular asset-based fee program continues to be appropriate for your needs.

Please ask your IAR for a complete schedule of charges, which is available in the HMII & Lockwood Advisors’ Forms ADV Part 2A disclosure brochure or the Lockwood Advisors Investment Advisory Agreement.

HMII’s IARs will always help you construct your financial portfolio with products to help assist you with your goals. By doing so, our investment adviser representatives will use every investment tool possible to help you reach your financial goals for you and your family.