Culver Investment Company LLC is an investment advisory firm founded in 1997. The firm works directly with retail clients seeking financial planning, advisory, or investment management services. In addition, because of the firm’s direct relationship and common ownership of Culver Retirement Services, Inc., which offers consulting and administrative services to ERISA qualified retirement plans, the firm frequently works in an institutional capacity to numerous qualified retirement plans. In respect to discretionary managed investment accounts, the firm’s specialty is in US large capitalization stocks (value and growth), US middle capitalization stocks (value and growth), high quality domestic corporate bonds, and US government bonds. In instances where a client’s Investment Policy Statement requires investment classes outside of these specialties, we will recommend third party money managers or mutual funds. Because Culver Investment Company LLC will earn a higher percentage of the management fee charged from accounts it manages directly versus those it “hires out,” a conflict of interest will exist to manage a client’s account directly.