General Disclosures

Hyve Disclosures

Hyve AVD Part 2A

Hyve Invest Inc. (“Hyve Invest”) is an SEC-registered investment adviser. Alpaca Securities LLC (“Alpaca”), a registered broker dealer, member of Financial Industry Regulatory Authority (“FINRA”) and Securities Investor Protection Corporation (“SIPC”), provides brokerage products and services.

Hyve Invest Inc. is a wholly-owned subsidiaries of Hyve Inc. (“Hyve”). Hyve and its affiliates operate a website at (the "Site" (which includes our blog)) and a mobile application (the "App").

All product names, logos, and brands are property of their respective owners. Use of these names, logos, and brands is for identification purposes only, and does not imply endorsement or affiliation.

Hyve Invest

Hyve Invest provides investment advisory services only to investors who are advisory clients of Hyve Invest ("Clients") pursuant to written advisory client agreements, which investors are urged to read and carefully consider in determining whether such agreements are suitable for their individual facts and circumstances. Hyve Invest does not provide personalized financial planning, such as estate, tax, or retirement planning. Nothing on the Site or the App should be construed as a solicitation or offer, or recommendation, to buy or sell any security. For more details, see Hyve Invest’s Form CRS, Form ADV Part II and other disclosures.

Past Performance Is No Guarantee Of Future Results, And Any Expected Returns Or Hypothetical Projections May Not Reflect Actual Future Performance. Furthermore, Past Returns May Reflect The Performance Of Assets For A Finite Time, Or During A Period Of Extreme Market Activity. All Investments Involve Risk And May Lose Money. There can be no assurance that an investment mix or any projected or actual performance shown on the Site or App will lead to the expected results shown or perform in any predictable or specific manner. It should not be assumed that investors will experience returns comparable to those shown or that any or all Clients actually experienced such returns.

In accounts in which Hyve Invest employs its investment strategies, including portfolio rebalancing and tax-loss harvesting, high levels of trading may occur. High levels of trading could result in (a) bid-ask spread expense; (b) trade executions that may occur at prices beyond the bid-ask spread (if quantity demanded exceeds quantity available at the bid or ask); (c) trading that may adversely move prices, such that subsequent transactions occur at less favorable prices; (d) trading that may disqualify some dividends from qualified dividend treatment; (e) unfulfilled orders or portfolio drift, in the event that markets are disorderly or trading halts altogether; and (f) unforeseen trading errors.

If you transfer assets from one Hyve account to another Hyve account your transferred assets may also be liquidated by the software. Liquidating your transferred account may cause, among other things, realized capital gains or losses in specific securities, surrender fees, and redirection of declared dividends or distributions. You should also be aware that liquidating securities prior to transferring an account to be invested in a Hyve portfolio may subject you to the same risks.

Clients should be aware that in some limited instances it may be difficult or impossible to trade the Clients’ securities. This liquidity risk may be caused by numerous factors, including but not limited to: 1) extreme market volatility, 2) a decision by exchange participants to withhold some or all of their quoted market bids, 3) exchange technical issues or exchange closure, 4) delisted or halted securities, and/or 5) a position across Client accounts that is large relative to the average daily trading volume of the security.

Hyve Invest Process

Hyve Invest employs a risk-based approach to portfolio management, always focusing on the net impact to our clients. Risk management is the foundation of our investment philosophy, and across all our investment decisions and research we take a comprehensive, integrated approach to managing not just investment risk, but also operational risk.

Our investment methodology is based on Modern Portfolio Theory, for which the Nobel Prize was awarded in 1990. It is considered state-of-the-art portfolio modeling, but is only one possible way to invest. Clients should be aware that Hyve Invest’s process is based in part on a careful evaluation of past price performance and volatility in order to evaluate future probabilities. Although Hyve Invest seeks multiple asset classes for its Clients in order to diversify portfolios, it is possible that different or unrelated asset classes may all exhibit similar price changes in similar directions. This correlation of price behavior may adversely affect a Client, and may become more acute in times of market upheaval or high volatility.

Recommended Portfolios

Hyve uses low cost, index-based exchange traded funds (ETFs) in its Client Portfolios to represent the following asset classes: US Stocks Foreign, Developed Market Stocks, Emerging Market Stocks, Dividend Growth Stocks, US Bonds, US Corporate Bonds, Municipal Bonds, Treasury Inflation-Protected Securities (TIPS), Real Estate, and Commodities. Clients are recommended a portfolio based on the results of a risk questionnaire, which evaluates their ability and willingness to take risk.

ETF Disclosures

The securities employed in certain Client accounts include exchange-traded funds or other publicly registered funds ("ETFs"), which generally are registered investment companies under the Investment Company Act of 1940. Although Hyve Invest believes its selection process identifies ETFs with high liquidity, low expenses, and low tracking error, Hyve Invest selection process does not guarantee the quality of a particular ETF or that it will 1) be profitable, 2) properly track any comparable index, 3) trade in a liquid fashion, or 4) trade at or above its publicly-posted net asset value.

Hyve Invest reserves the right to change at any time the selection of ETFs that it recommends if, in Hyve Invest’s sole discretion, any ETF does not meet requirements for continued listing on the platform. Clients should be aware that changes in the selection of ETFs employed by Hyve Invest’s investment management service may result in the sale of their existing holdings and may subject them to additional tax liability.

An ETF typically includes embedded expenses that may reduce its net asset value and therefore directly affect its performance and indirectly affect a Client’s portfolio performance or an index benchmark comparison. These embedded expenses may include management fees, custodian fees, and legal and accounting fees. ETF expenses may change from time to time at the sole discretion of the ETF issuer.

Furthermore, ETF performance may not exactly match the performance of the index or market benchmark that the ETF is designed to track because 1) the ETF incurs expenses and transaction costs not incurred by any applicable index or market benchmark; 2) certain securities comprising the index or market benchmark tracked by the ETF may, from time to time, temporarily be unavailable; and 3) supply and demand in the market for either the ETF and/or for the securities held by the ETF may cause the ETF shares to trade at a premium or discount to the actual net asset value of the securities owned by the ETF.

Certain ETF strategies may from time to time include fixed income, commodities, foreign securities, American Depositary Receipts, or other securities for which expenses could be higher than otherwise charged for exchange-traded equity securities, and for which market quotations or valuation may be limited or inaccurate.

Performance Disclosures

Performance information is presented net of all management fees and expenses, unless marked otherwise. Commissions are not considered since Clients on the Hyve Invest’s platform are not charged trading commissions. For all time periods, the performance information includes the reinvestment of dividends and interest unless otherwise noted.

Any comparison to traditional financial advisors is based on an evaluation of average fees and returns. Actual results may be different for each investor and there can be no guarantee of enhanced returns due to additional diversification, ETF selection, or the use of Hyve Invest’s investment management service.

Investors who become Clients may experience different results than what is reflected in available hypothetical results. There is a potential for loss, as well as gain, that may not be reflected in hypothetical information. The hypothetical performance results shown do not represent the results of actual trading using Client assets but were achieved by means of the retroactive application of a model designed with the benefit of hindsight. Investors should carefully review all additional information presented by Hyve Invest as part of any hypothetical comparison.

Any comparisons to indices are provided for illustrative purposes only. An index is a broadly diversified, unmanaged group of securities, which may include only large capitalization companies or companies of a certain size. Broadly based indices may be shown only as an indication of the general performance of the financial markets during the periods indicated. Because of the differences between the client allocations and any indices shown, Hyve Invest cautions investors that no index is directly comparable to the performance shown since each index has its own unique results and volatility, and such indices, if shown, should not be relied upon as an accurate comparison.

The return, composite, and performance information shown on the Site or App uses or includes information compiled from third-party sources, including independent market quotations and index information. Hyve Invest believes the third-party information comes from reliable sources, but Hyve Invest does not guarantee the accuracy of the Site or App information and may receive incorrect information from third-party providers. Unless otherwise indicated, the information on the Site or App has been prepared by Hyve Invest and has not been reviewed, compiled or audited by any independent third-party or public accountant.

Fee and Account Disclosures

Recommendations and fees may vary for each Client. Advisory fees for a fully discretionary account are charged in accordance with the fee schedule outlined in Hyve Invest’s Form ADV Part 2.

Hyve Invest does not make any representations regarding the execution quality of orders placed with our executing broker-dealer partner.

Description of "Free." Certain ETF products, offered through Hyve Invest, may be free of commissions; however, management and/or other fees may be charged for investment products managed by outside companies, which are unaffiliated entities of Hyve Invest.

Alpaca Disclosures

Alpaca Use and Risk Disclosures
Alpaca Terms and Conditions
Alpaca Securities Privacy Notice
Alpaca PFOF Disclosure
Alpaca Margin Disclosure Statement
Alpaca Extended Hours Trading Risk Disclosure
Alpaca Business Continuity Plan Summary
Alpaca Securities LLC Customer Relationship Summary (Form CRS)

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Hyve Invest, Inc. is a wholly-owned subsidiary of Hyve, Inc.and an SEC-registered investment adviser. SEC Registration does not imply any level of skill or training. More information about Hyve Invest Inc., including our investment strategies, fees, and objectives, can be found in our ADV Part2, which is available on the SEC website. Certain Hyve Investment Services are provided in partnership with Alpaca Securities LLC (“Alpaca”), a registered broker dealer, member of Financial Industry Regulatory Authority (“FINRA”) andSecurities Investor Protection Corporation (“SIPC”). For details on SIPC protection, please visit Investments are not FDIC insured and may lose value. Investing in securities involves risk, including possible loss of principal and fluctuation in value. Past performance does not guarantee o rindicate future results. Please consider, among other important factors, your investment objectives and your risk tolerance.By using this website, you accept and agree to Hyve’s Terms of Use and Privacy Policy. Hyve’s financial planning and Investment advice available to residents of the United States and is only provided to customers of Hyve, Inc and Hyve Invest, Inc. Any historical returns, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings and other information provided are for illustrative purposes only and are not to be considered investment recommendations.Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Apple, the Apple logo, and iPhone are trademarks of Apple, Inc., registered in the United States and the Google Play logo are trademarks of Google LLC. Apple App Store, Google Play Store and Trustpilot ratings are from February 2023 through February 2024. Apple App Store and Google Play Store ratings compiled by Apple, Inc., and Google, Inc., respectively, who receive compensation for hosting our app. Trustpilot ratings compiled by Trustpilot, Inc.