Nicholas Richard Cladis

Cladis Investment Advisory LLC (CIA) is an independent registered investment advisor headquartered in Billings, Montana. CIA provides investment advisory services to individuals, trusts, estates, charitable organizations, corporations, pension and profit-sharing plans, and other business entities.

Capstone Wealth Management, Inc. provides financial advisory services. Its services include insurance consulting; existing disability income and life insurance policy assessment; negotiate, acquire, manage insurance portfolios; and support of accountants and attorneys in estate plan design. The company is headquartered in Billings, MT.

UBS Financial Services, Inc. is a registered investment advisor and wealth management firm headquartered in Weehawken, New Jersey. The firm is a wholly-owned subsidiary of UBS Americas Inc., ultimately held by UBS Group AG (SWX: UBSG; NYSE: UBS) in Switzerland. Founded in 1969, UBS Financial Services provides investment advisory services to individuals, banks, thrift institutions, mutual funds and other investment companies, pension and employee benefit plans, trusts, estates, charities, corporations and other business and government entities.