Ridge Investment Advisors prides itself on providing custom-tailored, separately managed
accounts, built on a solid foundation of research, experience and hands-on hard work to meet
the goals and expectations of our clients.

To achieve these results, Ridge Investment Advisors follows a time-proven process to guide
their wealth management:

PLANNING — A preliminary questionnaire, critique and several one-on-one meetings are scheduled. And once you decide to work with us, we'll provide you with a New Account Kit: this includes information on our history, background and an overview of our relationship, plus contracts and documents that we'll fill out together, for your keeping.

ANALYSIS – From your first conversation, we'll analyze your situation, goals, needs and develop a unique plan that helps you reach your goal. We measure your risk tolerance while simultaneously considering your return objectives.

IMPLEMENTATION – We'll build your portfolios with individual stocks based on your personal characteristics to meet your goals. We strive for a risk-balanced 60/40 blend of stocks and bonds.

MAINTENANCE — Your portfolio is frequently rebalanced and monitored. Changes are made
based on past performance and future expectations, giving you peace of mind.

COMMUNICATION — We are available as a constant resource to answer your questions from tax strategies to long-term planning or simply to discuss the ever-changing markets.

Within this method, we follow these disciplines:

• Analysis of macro events to forecast where markets will be 12-18 months out
  
  
• Attending investment conferences to broaden our knowledge base and seek out the latest in new ideas and thinking
  
  
• Using a variety of risk and performance statistics to gain insight on the characteristics of each portfolio
  
  
• Using screening tools to find the new best stock ideas to invest in
  
  
• Close scrutiny and analysis of the best ideas for vetting and due diligence
  
  
• Presenting new stock ideas from our Research Committee on a monthly or more frequent basis to our Investment Committee for consideration
  
  
• Frequent meetings to discuss each individual portfolio so that we can determine the best course of actions for each client

Investment advisors use Form ADV to:

• Register with the Securities and Exchange Commission
• Register with one or more state securities authorities
• Amend those registrations

Privacy Act Statement
Sections 203(c) and 204 of the Advisers Act [15 U.S.C. §§ 80b-3(c) and 80b-4] authorize the SEC to collect the information required by Form ADV. The SEC collects the information for regulatory purposes, such as deciding whether to grant registration. Filing Form ADV is mandatory for advisers who are required to register with the SEC. The SEC maintains the information submitted on this form and makes it publicly available. The SEC may return forms that do not include required information. Intentional misstatements or omissions constitute federal criminal violations under 18 U.S.C. § 1001 and 15 U.S.C. § 80b-17