Fact Sheet

Investment Manager:   Harnett Investment Advisers LLC.

Clients Types:   Individuals, families, businesses, foundations, endowments and non-profits.

Account Types:   Various taxable and tax-deferred accounts, according to what best suit our clients’ needs. Many clients may have several different types of accounts depending on their individual, family or business needs.

Services:   Financial planning and investment management.

Fees:   Fee only. We charge competitive advisory fees, typically on an annual or quarterly basis. These fees vary according to the type of assets under management. For example, we charge a significantly lower fee for managing bond investments than stock investments, and we charge no fee for cash management.

Business Background:   Harnett Investment Advisers LLC is an independent investment advisory firm licensed by the State of California and is registered in all the states in which it conducts business.

Oversight:   All client accounts benefit from systematic portfolio management and risk control. Clients have direct access to their accounts and receive monthly account statements. In addition, all client assets are held with and traded by a well-capitalized, national brokerage firm.

Founder:   Michael K. Harnett is the founder and President of the firm. Mr. Harnett has 15 years financial industry experience and a distinguished record of public service. Mr. Harnett received an M.B.A. from Harvard Business School and a B.S. with distinction from the U.S. Naval Academy.