Overview

Assets Under Management: $134 million
High-Net-Worth Clients: 4
Average Client Assets: $32 million

Frequently Asked Questions

DBD RETIREMENT AND FINANCIAL SERVICES charges 0.85% on the first $1 million, 0.75% on the next $2 million, 0.50% on all assets according to their SEC Form ADV filing. See complete fee breakdown ↓

Yes. As an SEC-registered investment advisor (CRD #328239), DBD RETIREMENT AND FINANCIAL SERVICES is subject to fiduciary duty under federal law.

DBD RETIREMENT AND FINANCIAL SERVICES serves 4 high-net-worth clients according to their SEC filing dated January 12, 2026. View client details ↓

According to their SEC Form ADV, DBD RETIREMENT AND FINANCIAL SERVICES offers financial planning, portfolio management for individuals, selection of other advisors, and educational seminars and workshops. View all service details ↓

DBD RETIREMENT AND FINANCIAL SERVICES manages $134 million in client assets according to their SEC filing dated January 12, 2026.

According to their SEC Form ADV, DBD RETIREMENT AND FINANCIAL SERVICES serves high-net-worth individuals. View client details ↓

Services Offered

Services: Financial Planning, Portfolio Management for Individuals, Investment Advisor Selection, Educational Seminars

Fee Structure

Primary Fee Schedule (DBD RETIREMENT AND FINANCIAL RESOURCES ADV PART 2A AND 2B)

MinMaxMarginal Fee Rate
$0 $1,000,000 0.85%
$1,000,001 $2,000,000 0.75%
$2,000,001 and above 0.50%
Illustrative Fee Rates
Total AssetsAnnual FeesAverage Fee Rate
$1 million $8,500 0.85%
$5 million $31,000 0.62%
$10 million $56,000 0.56%
$50 million $256,000 0.51%
$100 million $506,000 0.51%

Clients

Number of High-Net-Worth Clients: 4
Percentage of Firm Assets Belonging to High-Net-Worth Clients: 95.35
Average High-Net-Worth Client Assets: $32 million
Total Client Accounts: 37
Discretionary Accounts: 37
Minimum Account Size: None

Regulatory Filings

CRD Number: 328239
Filing ID: 2038187
Last Filing Date: 2026-01-12 15:15:37

Form ADV Documents

Primary Brochure: DBD RETIREMENT AND FINANCIAL RESOURCES ADV PART 2A AND 2B (2026-01-12)

View Document Text
Item 1 – Cover Page Signature Resources, LLC. 5700 Creekfall Lane Fuquay Varina, NC 27526 (407) 852-8682 Date of Disclosure Brochure: January 2026 ____________________________________________________________________________________ This disclosure brochure provides information about the qualifications and business practices of Signature Resources, LLC. (also referred to as we, us and Signature Resources throughout this disclosure brochure). If you have any questions about the contents of this disclosure brochure, please contact Lance Hope-Gill at 407-852-8682 or SR@signatureresourcesllc.com. The information in this disclosure brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. information about Signature Resources is also available on the Additional Internet at www.adviserinfo.sec.gov. You can view our firm’s information on this website by searching for Signature Resources, LLC. or our firm’s CRD number 329244. *Registration as an investment adviser does not imply a certain level of skill or training. Signature Resources, LLC Page 1 Form ADV Part 2A Disclosure Brochure Item 2 – Material Changes Since our last required annual amendment to this disclosure brochure was submitted in February 2025 there have been no material changes been made to this brochure. We will continue to ensure that you receive a summary of any material changes to this and subsequent disclosure brochures within 120 days after our firm’s fiscal year ends. Our firm’s fiscal year ends on December 31, so you will receive the summary of material changes no later than April 30 each year. At that time, we will also offer or provide a copy of the most current disclosure brochure. We may also provide other ongoing disclosure information about material changes as necessary. Signature Resources, LLC Page 2 Form ADV Part 2A Disclosure Brochure Item 3 – Table of Contents Item 1 – Cover Page ..................................................................................................................................... 1 Item 2 – Material Changes ............................................................................................................................ 2 Item 3 – Table of Contents ............................................................................................................................ 3 Item 4 – Advisory Business ........................................................................................................................... 4 Introduction................................................................................................................................................ 4 Description of Advisory Services .............................................................................................................. 4 Limits Advice to Certain Types of Investments ......................................................................................... 5 Tailor Advisory Services to Individual Needs of Clients ............................................................................ 5 Client Assets Managed by Signature Resources...................................................................................... 6 Item 5 – Fees and Compensation ................................................................................................................. 6 Asset Management Services .................................................................................................................... 6 Item 6 – Performance-Based Fees and Side-By-Side Management ............................................................ 7 Item 7 – Types of Clients .............................................................................................................................. 7 Minimum Investment Amounts Required .................................................................................................. 8 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ....................................................... 8 Methods of Analysis .................................................................................................................................. 8 Investment Strategies ............................................................................................................................... 9 Risk of Loss ............................................................................................................................................. 10 Item 9 – Disciplinary Information ................................................................................................................. 11 Item 10 – Other Financial Industry Activities and Affiliations ...................................................................... 11 Item 11 – Code of Ethics, Participation in Client Transactions and Personal Trading ............................... 11 Code of Ethics Summary ........................................................................................................................ 11 Affiliate and Employee Personal Securities Transactions Disclosure .................................................... 12 Item 12 – Brokerage Practices .................................................................................................................... 12 Directed Brokerage ................................................................................................................................. 14 Handling Trade Errors ............................................................................................................................. 14 Block Trading Policy ................................................................................................................................ 15 Agency Cross Transactions .................................................................................................................... 15 Item 13 – Review of Accounts..................................................................................................................... 15 Account Reviews and Reviewers ............................................................................................................ 15 Statements and Reports ......................................................................................................................... 15 Item 14 – Client Referrals and Other Compensation .................................................................................. 16 Item 15 – Custody ....................................................................................................................................... 16 Item 16 – Investment Discretion ................................................................................................................. 17 Item 17 – Voting Client Securities ............................................................................................................... 18 Item 18 – Financial Information ................................................................................................................... 18 Item 19 – Requirements for State-Registered Advisers ............................................................................. 18 Business Continuity Plan ............................................................................................................................ 20 Customer Privacy Policy Notice .................................................................................................................. 20 FORM ADV PART 2B BROCHURE SUPPLEMENT – Lance Hope-Gill .................................................... 22 Signature Resources, LLC Page 3 Form ADV Part 2A Disclosure Brochure Item 4 – Advisory Business Signature Resources is an investment adviser registered with the State of Florida and the State of North Carolina and is a Limited Liability Company formed under the laws of the State of Florida. • Lance Hope-Gill is the firm’s Principal, Chief Compliance Officer and Investment Advisor Representative. • Renee Hopegill is the 100% Owner of Signature Resources. • Signature Resources led its initial application to become registered as an investment adviser in December 2023. Introduction The investment advisory services of Signature Resources are provided to you through an appropriately licensed and qualified individual who is an investment adviser representative of Signature Resources (referred to as your investment adviser representative throughout this brochure). Description of Advisory Services The following are descriptions of the primary advisory services of Signature Resources. Please understand that a written agreement, which details the exact terms of the service, must be signed by you and Signature Resources before we can provide you the services described below. Asset Management Services – Signature Resources offers asset management services, which involves Signature Resources providing you with continuous and ongoing supervision over your specified accounts. You must appoint our firm as your investment adviser of record on specified accounts (collectively, the “Account”). The Account consists only of separate account(s) held by qualified custodian(s) under your name. The qualified custodians maintain physical custody of all funds and securities of the Account, and you retain all rights of ownership (e.g., right to withdraw securities or cash, exercise or delegate proxy voting and receive transaction confirmations) of the Account. The Account is managed by us based on your financial situation, investment objectives and risk tolerance. We actively monitor the Account and provide advice regarding buying, selling, reinvesting or holding securities, cash or other investments of the Account. We will need to obtain certain information from you to determine your financial situation and investment objectives. You will be responsible for notifying us of any updates regarding your financial situation, risk tolerance or investment objective and whether you wish to impose or modify existing investment restrictions; however, we will contact you at least annually to discuss any changes or updates regarding your financial situation, risk tolerance or investment objectives. We are always reasonably available to consult with you relative to the status of your Account. You have the ability to impose reasonable restrictions on the management of your accounts, including the ability to instruct us not to purchase certain securities. Signature Resources, LLC Page 4 Form ADV Part 2A Disclosure Brochure It is important that you understand that we manage investments for other clients and may give them advice or take actions for them or for our personal accounts that is different from the advice we provide to you, or actions taken for you. We are not obligated to buy, sell or recommend to you any security or other investment that we may buy, sell or recommend for any other clients or for our own accounts. Conflicts can arise in the allocation of investment opportunities among accounts that we manage. We strive to allocate investment opportunities believed to be appropriate for your account(s) and other accounts advised by our firm among such accounts equitably and consistent with the best interests of all accounts involved. However, there can be no assurance that a particular investment opportunity that comes to our attention will be allocated in any particular manner. If we obtain material, non-public information about a security or its issuer that we may not lawfully use or disclose, we have absolutely no obligation to disclose the information to any client or use it for any client’s benefit. Limits Advice to Certain Types of Investments Signature Resources provides investment advice on the following types of investments: • Mutual Funds • Exchange Traded Funds (ETFs) • Exchange-listed Securities • Corporate Debt Securities • Certificates of Deposit • Municipal Securities • US Government Securities Although we generally provide advice only on the products previously listed, we reserve the right to offer advice on any investment product that may be suitable for each client’s specific circumstances, needs, goals and objectives. (Please refer to Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss for more information.) Tailor Advisory Services to Individual Needs of Clients Advisory services are always provided based on your individual needs. This means, for example, that when we provide asset management services, you are given the ability to impose restrictions on the accounts we manage for you, including specific investment selections and sectors. We work with you on a one-on-one basis through interviews and questionnaires to determine your investment objectives and suitability information. We will not enter into an investment adviser relationship with a prospective client whose investment objectives may be considered incompatible with our investment philosophy or strategies or where the prospective client seeks to impose unduly restrictive investment guidelines. Signature Resources, LLC Page 5 Form ADV Part 2A Disclosure Brochure Client Assets Managed by Signature Resources As of December 31, 2025, the firm managed $84,192,632 of client assets, $84,133,713 are managed on a discretionary basis and $58,919 are managed on a non-discretionary basis. Item 5 – Fees and Compensation In addition to the information provided in Item 4 – Advisory Business, this section provides additional details regarding our firm’s services along with descriptions of each service’s fees and compensation arrangements. It should be noted that lower fees for comparable service may be available from other sources. The exact fees and other terms will be outlined in the agreement between you and Signature Resources. Asset Management Services Fees charged for our asset management services are charged based on a percentage of assets under management, billed in advance (at the start of the billing period) on a quarterly calendar basis and calculated based on the fair market value of your account as of the last business day of the previous billing period. Fees are prorated (based on the number of days service is provided during the initial billing period) for your account opened at any time other than the beginning of the billing period. If asset management services are commenced in the middle of the billing period, then the prorated fee for that billing period is based on the value of the Account when services commence and is due immediately and will be deducted from Account when services commence. The asset management services continue in effect until terminated by either party (i.e., Signature Resources or you) by providing written notice of termination to the other party. Any prepaid, unearned fees will be promptly refunded by Signature Resources to you. Fee refunds will be determined on a pro rata basis using the number of days services are actually provided during the final period. Fees charged for our asset management services are negotiable based on the type of client, the complexity of the client's situation, the composition of the client's account (i.e., equities versus mutual funds), the potential for additional account deposits, the relationship of the client with the investment adviser representative, and the total amount of assets under management for the client. For our asset management services, client will be charged the following annual fee based upon the amount of assets under management: Assets Under Management $0 – $1,000,000 $1,000,001 – $2,000,000 $2,000,001 and above Annual Fees 0.850% 0.750% 0.500% Signature Resources believes that its annual fee is reasonable in relation to: (1) services provided and (2) the fees charged by other investment advisers offering similar services/programs. However, our annual investment advisory fee may be higher than that charged by other investment advisers offering similar Signature Resources, LLC Page 6 Form ADV Part 2A Disclosure Brochure services/programs. In addition to our compensation, you can also incur charges imposed at the mutual fund level (e.g., advisory fees and other fund expenses). The investment advisory fees will be deducted from your account and paid directly to our firm by the qualified custodian(s) of your account. You will authorize the qualified custodian(s) of your account to deduct fees from your account and pay such fees directly to our firm. Our firm will send you a billing statement prior to time that fee deduction instruction is sent to the qualified custodian(s) of your account. The billing statement will detail the formula used to calculate the fee, the assets under management and the time period covered. See Item 15 – Custody for more details. You should review your account statements received from the qualified custodian(s) and verify that appropriate investment advisory fees are being deducted. The qualified custodian(s) will not verify the accuracy of the investment advisory fees deducted. Brokerage commissions and/or transaction ticket fees charged by the qualified custodian are billed directly to you by the qualified custodian. Signature Resources does not receive any portion of such commissions or fees from you or the qualified custodian. In addition, you may incur certain charges imposed by third parties other than Signature Resources in connection with investments made through your account including, but not limited to, 12(b)-1 fees, short-term redemption fees and charges imposed by the qualified custodian(s) of your account. Management fees charged by Signature Resources are separate and distinct from the fees and expenses charged by investment company securities that may be recommended to you. A description of these fees and expenses are available in each investment company security’s prospectus. Item 6 – Performance-Based Fees and Side-By-Side Management Performance-based fees are defined as fees based on a share of capital gains on or capital appreciation of the assets held in a client’s account. Item 6 is not applicable to this Disclosure Brochure because we do not charge or accept performance-based fees. Item 7 – Types of Clients Signature Resources generally provides investment advice to the following types of clients: Individuals • • High net worth individuals • Pension and profit-sharing plans • Corporations or business entities other than those listed above You are required to execute a written agreement with Signature Resources specifying the particular advisory services in order to establish a client arrangement with Signature Resources. Signature Resources, LLC Page 7 Form ADV Part 2A Disclosure Brochure Minimum Investment Amounts Required There are no minimum investment amounts or conditions required for establishing an account managed by Signature Resources. However, all clients are required to execute an agreement for services in order to establish a client arrangement with Signature Resources. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Signature Resources uses the following methods of analysis in formulating investment advice: Charting - This is a set of techniques used in technical analysis in which charts are used to plot price movements, volume, settlement prices, open interest, and other indicators, in order to anticipate future price movements. Users of these techniques, called chartists, believe that past trends in these indicators can be used to extrapolate future trends. Charting is likely the most subjective analysis of all investment methods since it relies on proper interpretation of chart patterns. The risk of reliance upon chart patterns is that the next day's data can always negate the conclusions reached from prior days' patterns. Also, reliance upon chart patterns bears the risk of a certain pattern being negated by a larger, more encompassing pattern that has not shown itself yet. Fundamental – This is a method of evaluating a security by attempting to measure its intrinsic value by examining related economic, financial and other qualitative and quantitative factors. Fundamental analysts attempt to study everything that can affect the security's value, including macroeconomic factors (like the overall economy and industry conditions) and individually specific factors (like the financial condition and management of a company). The end goal of performing fundamental analysis is to produce a value that an investor can compare with the security's current price in hopes of figuring out what sort of position to take with that security (underpriced = buy, overpriced = sell or short). Fundamental analysis is considered to be the opposite of technical analysis. Fundamental analysis is about using real data to evaluate a security's value. Although most analysts use fundamental analysis to value stocks, this method of valuation can be used for just about any type of security. The risk associated with fundamental analysis is that it is somewhat subjective. While a quantitative approach is possible, fundamental analysis usually entails a qualitative assessment of how market forces interact with one another in their impact on the investment in question. It is possible for those market forces to point in different directions, thus necessitating an interpretation of which forces will be dominant. This interpretation may be wrong and could therefore lead to an unfavorable investment decision. Technical – This is a method of evaluating securities by analyzing statistics generated by market activity, such as past prices and volume. Technical analysts do not attempt to measure a security's intrinsic value, but instead use charts and other tools to identify patterns that can Signature Resources, LLC Page 8 Form ADV Part 2A Disclosure Brochure suggest future activity. Technical analysts believe that the historical performance of stocks and markets are indications of future performance. Technical analysis is even more subjective than fundamental analysis in that it relies on proper interpretation of a given security's price and trading volume data. A decision might be made based on a historical move in a certain direction that was accompanied by heavy volume; however, that heavy volume may only be heavy relative to past volume for the security in question, but not compared to the future trading volume. Therefore, there is the risk of a trading decision being made incorrectly since future trading volume is an unknown. Technical analysis is also done through observation of various market sentiment readings, many of which are quantitative. Market sentiment gauges the relative degree of bullishness and bearishness in a given security, and a contrarian investor utilizes such sentiment advantageously. When most traders are bullish, then there are very few traders left in a position to buy the security in question, so it becomes advantageous to sell it ahead of the crowd. When most traders are bearish, then there are very few traders left in a position to sell the security in question, so it becomes advantageous to buy it ahead of the crowd. The risk in utilization of such sentiment technical measures is that a very bullish reading can always become more bullish, resulting in lost opportunity if the money manager chooses to act upon the bullish signal by selling out of a position. The reverse is also true in that a bearish reading of sentiment can always become more bearish, which may result in a premature purchase of a security. There are risks involved in using any analysis method. To conduct analysis, Signature Resources gathers information from financial newspapers and magazines, inspection of corporate activities, research materials prepared by others, corporate rating services, timing services, annual reports, prospectuses and filings with the SEC, and company press releases. Investment Strategies Signature Resources uses the following investment strategies when managing client assets and/or providing investment advice: Long term purchases. Investments held at least a year. Short term purchases. Investments sold within a year. Tactical asset allocation. Allows for a range of percentages in each asset class (such as Stocks = 40-50%). The ranges establish minimum and maximum acceptable percentages that permit the investor to take advantage of market conditions within these parameters. Thus, a minor form of market timing is possible, since the investor can move to the higher end of the range when stocks are expected to do better and to the lower end when the economic outlook is bleak. Strategic asset allocation. Calls for setting target allocations and then periodically rebalancing the portfolio back to those targets as investment returns skew the original asset allocation percentages. The concept is akin to a “buy and hold” strategy, rather than an active trading approach. Of course, the strategic asset allocation targets may change over time as the client’s Signature Resources, LLC Page 9 Form ADV Part 2A Disclosure Brochure goals and needs change and as the time horizon for major events such as retirement and college funding grow shorter. Primarily Recommend One Type of Security We do not primarily recommend one type of security to clients. Instead, we recommend any product that may be suitable for each client relative to that client’s specific circumstances and needs. Risk of Loss Past performance is not indicative of future results. Therefore, you should never assume that future performance of any specific investment or investment strategy will be profitable. Investing in securities (including stocks, mutual funds, and bonds, etc.) involves risk of loss. Further, depending on the different types of investments there may be varying degrees of risk. You should be prepared to bear investment loss including loss of original principal. Because of the inherent risk of loss associated with investing, our firm is unable to represent, guarantee, or even imply that our services and methods of analysis can or will predict future results, successfully identify market tops or bottoms, or insulate you from losses due to market corrections or declines. There are certain additional risks associated with investing in securities through our investment management program, as described below: • Market Risk – Either the stock market as a whole, or the value of an individual company, goes down resulting in a decrease in the value of client investments. This is also referred to as systemic risk. • Equity (stock) market risk – Common stocks are susceptible to general stock market fluctuations and to volatile increases and decreases in value as market confidence in and perceptions of their issuers change. If you held common stock, or common stock equivalents, of any given issuer, you would generally be exposed to greater risk than if you held preferred stocks and debt obligations of the issuer. • Company Risk. When investing in stock positions, there is always a certain level of company or industry specific risk that is inherent in each investment. This is also referred to as unsystematic risk and can be reduced through appropriate diversification. There is the risk that the company will perform poorly or have its value reduced based on factors specific to the company or its industry. For example, if a company’s employees go on strike or the company receives unfavorable media attention for its actions, the value of the company may be reduced. • Fixed Income Risk. When investing in bonds, there is the risk that the issuer will default on the bond and be unable to make payments. Further, individuals who depend on set amounts of periodically paid income face the risk that inflation will erode their spending power. Fixed-income investors receive set, regular payments that face the same inflation risk. • Options Risk. Options on securities may be subject to greater fluctuations in value than an investment in the underlying securities. Purchasing and writing put and call options are highly specialized activities and entail greater than ordinary investment risks. Signature Resources, LLC Page 10 Form ADV Part 2A Disclosure Brochure • ETF and Mutual Fund Risk – When investing in an ETF or mutual fund, you will bear additional expenses based on your pro rata share of the ETF’s or mutual fund’s operating expenses, including the potential duplication of management fees. The risk of owning an ETF or mutual fund generally reflects the risks of owning the underlying securities the ETF or mutual fund holds. You will also incur brokerage costs when purchasing ETFs. • Management Risk – Your investment with our firm varies with the success and failure of our investment strategies, research, analysis and determination of portfolio securities. If our investment strategies do not produce the expected returns, the value of the investment will decrease. Item 9 – Disciplinary Information Item 9 is not applicable to this Disclosure Brochure because there are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of our business or integrity. Item 10 – Other Financial Industry Activities and Affiliations Signature Resources is not and does not have a related person that is a broker/dealer, municipal securities dealer, government securities dealer or broker, an investment company or other pooled investment vehicle (including a mutual fund, closed-end investment company, unit investment trust, private investment company or "hedge fund," and offshore fund), another investment adviser or financial planner, a futures commission merchant, commodity pool operator, or commodity trading advisor, an accountant or accounting firm, a lawyer or law firm, an insurance company or agency, a pension consultant, a real estate broker or dealer, and a sponsor or syndicator of limited partnerships. We are an independent registered investment adviser and only provide investment advisory services. We are not engaged in any other business activities and offer no other services except those described in this Disclosure Brochure. Item 11 – Code of Ethics, Participation in Client Transactions and Personal Trading Code of Ethics Summary An investment adviser is considered a fiduciary and has a fiduciary duty to all clients. Signature Resources has established a Code of Ethics to comply with the requirements of the securities laws and regulations that reflects its fiduciary obligations and those of its supervised persons. The Code of Ethics also requires compliance with federal securities laws. Signature Resources Code of Ethics covers all individuals that are classified as “supervised persons”. All employees, officers, directors and investment adviser representatives are classified as supervised persons. Signature Resources requires its supervised persons to consistently act in your best interest in all advisory activities. Signature Resources imposes certain requirements on its affiliates and supervised persons to ensure that they meet the firm’s Signature Resources, LLC Page 11 Form ADV Part 2A Disclosure Brochure fiduciary responsibilities to you. The standard of conduct required is higher than ordinarily required and encountered in commercial business. This section is intended to provide a summary description of the Code of Ethics of Signature Resources. If you wish to review the Code of Ethics in its entirety, you should send us a written request and upon receipt of your request, we will promptly provide a copy of the Code of Ethics to you. Affiliate and Employee Personal Securities Transactions Disclosure Signature Resources or associated persons of the firm may buy or sell for their personal accounts, investment products identical to those recommended to clients. This creates a conflict of interest. It is the express policy of Signature Resources that all persons associated in any manner with our firm must place clients’ interests ahead of their own when implementing personal investments. Signature Resources and its associated persons will not buy or sell securities for their personal account(s) where their decision is derived, in whole or in part, by information obtained as a result of employment or association with our firm unless the information is also available to the investing public upon reasonable inquiry. We are now and will continue to be in compliance with applicable state and federal rules and regulations. To prevent conflicts of interest, we have developed written supervisory procedures that include personal investment and trading policies for our representatives, employees and their immediate family members (collectively, associated persons): • Associated persons cannot prefer their own interests to that of the client. • Associated persons cannot purchase or sell any security for their personal accounts prior to implementing transactions for client accounts. • Associated persons cannot buy or sell securities for their personal accounts when those decisions are based on information obtained as a result of their employment, unless that information is also available to the investing public upon reasonable inquiry. • Associated persons are prohibited from purchasing or selling securities of companies in which any client is deemed an “insider”. • Associated persons are discouraged from conducting frequent personal trading. • Associated persons are generally prohibited from serving as board members of publicly traded companies unless an exception has been granted to the Chief Compliance Officer of Signature Resources. Any associated person not observing our policies is subject to sanctions up to and including termination. Item 12 – Brokerage Practices Clients are under no obligation to act on the recommendations of Signature Resources. If the firm assists in the implementation of any recommendations, we are responsible to ensure that the client receives the best execution possible. Best execution does not necessarily mean that clients receive the lowest possible commission costs but that the qualitative execution is best. In other words, all conditions considered, the transaction execution is in your best interest. When considering best execution, we look at a number of factors besides prices and rates including, but not limited to: Signature Resources, LLC Page 12 Form ADV Part 2A Disclosure Brochure • Execution capabilities (e.g., market expertise, ease/reliability/timeliness of execution, responsiveness, integration with our existing systems, ease of monitoring investments) • Products and services offered (e.g., investment programs, back office services, technology, regulatory compliance assistance, research and analytic services) • Financial strength, stability and responsibility • Reputation and integrity • Ability to maintain confidentiality We exercise reasonable due diligence to make certain that best execution is obtained for all clients when implementing any transaction by considering the back-office services, technology and pricing of services offered. Brokerage Recommendations Signature Resources may recommend/require that clients establish brokerage accounts with the Schwab Institutional division of Charles Schwab & Co., Inc (“Schwab”), a FINRA-registered broker-dealer, Member SIPC, to maintain custody of clients’ assets and to effect trades for their accounts. Although Signature Resources may recommend/require the clients establish accounts at Schwab, it is the client’s decision to custody assets with Schwab. Signature Resources is independently owned and operated and not affiliated with Schwab. Signature Resources may recommend additional unaffiliated broker-dealers to affect fixed income transactions. Schwab provides Signature Resources with access to its institutional trading and custody services, which are typically not available to Schwab retail investors. These services generally are available to independent investment advisors on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the advisor’s clients’ assets are maintained at Schwab Institutional. These services are not contingent upon Signature Resources committing to Schwab any specific amount of business (assets in custody or trading commissions). Schwab’s brokerage services include the execution of securities transactions, custody, research, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require significantly higher minimum initial investment. For Signature Resources clients’ accounts maintained in its custody, Schwab generally does not charge separately for custody services but is compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Schwab or that settle into Schwab accounts. Schwab Institutional also makes available to Signature Resources other products and services that benefit Signature Resources but may not directly benefit clients’ accounts. Many of these products and services may be used to service all or some substantial number of Signature Resources’ accounts, including accounts not maintained Schwab. Schwab’s products and services that assist Signature Resources in managing and administering clients’ accounts include software and other technology that (i) provides access to client account data (such as trade confirmations and account statements); (ii) facilitate trade execution and allocate aggregated trade orders for multiple client accounts; (iii) provide research, pricing and other market data; (iv) facilitate payment of Signature Resources fees from some of its accounts; and (v) assist with back-office functions, recordkeeping and client reporting. Signature Resources, LLC Page 13 Form ADV Part 2A Disclosure Brochure Schwab Institutional also offers other services intended to help Signature Resources manage and further develop its business enterprise. These services may include: (i) compliance, legal and business consulting; (ii) publications and conferences on practice management and business succession; and (iii) access to employee benefits providers, human capital consultants and insurance providers. Schwab Institutional may discount or waive fees it would otherwise charge for some of these services or pay all or part of the fees of a third-party providing these services to Signature Resources. Schwab Institutional may also provide other benefits such as educational events or occasional business entertainment of Signature Resources personnel. While as a fiduciary, Signature Resources endeavors to act in it’s clients’ best interests, Signature Resources recommendation that clients maintain their assets in accounts at Schwab may take into account availability of some of the foregoing products and services and other arrangements not solely on the nature of cost or quality of custody and brokerage services provided by Schwab, which can create a conflict of interest. Directed Brokerage Clients are allowed to select the broker-dealer that will be used for their accounts. Clients directing the use of a particular broker/dealer or other custodian must understand that we may not be able to obtain the best prices and execution for the transaction. Under a client-directed brokerage arrangement, clients may receive less favorable prices than would otherwise be the case if the client had not designated a particular broker/dealer or custodian. Directed brokerage account trades are generally placed by Signature Resources after effecting trades for other clients of Signature Resources. In the event that a client directs Signature Resources to use a particular broker or dealer, Signature Resources may not be authorized to negotiate commissions and may be unable to obtain volume discounts or best execution. In addition, under these circumstances a disparity in commission charges may exist between the commissions charged to clients who direct Signature Resources to use a particular broker or dealer versus clients who do not direct the use of a particular broker or dealer. Soft Dollar Benefits An investment adviser receives soft dollar benefits from a broker-dealer when the investment adviser receives research or other products and services in exchange for client securities transactions or maintaining an account balance with the broker-dealer. Signature Resources does not have a soft dollar agreement with a broker-dealer or a third-party. Handling Trade Errors Signature Resources has implemented procedures designed to prevent trade errors; however, trade errors in client accounts cannot always be avoided. Consistent with its fiduciary duty, it is the policy of Signature Resources to correct trade errors in a manner that is in the best interest of the client. In cases where the client causes the trade error, the client is responsible for any loss resulting from the correction. Depending on the specific circumstances of the trade error, the client may not be able to receive any gains generated as a result of the error correction. In all situations where the client does not cause the trade error, the client is made whole and any loss resulting from the trade error is absorbed by Signature Resources if the error is caused by Signature Resources. If the error is caused by the broker-dealer, the broker-dealer is responsible for handling the trade error. If an investment gain results from the correcting trade, the gain remains in the client’s account unless the same error involved other client account(s) that Signature Resources, LLC Page 14 Form ADV Part 2A Disclosure Brochure should also receive the gains. It is not permissible for all clients to retain the gain. Signature Resources may also confer with a client to determine if the client should forego the gain (e.g., due to tax reasons). Signature Resources will never benefit or profit from trade errors. Block Trading Policy We may elect to purchase or sell the same securities for several clients at approximately the same time. This process is referred to as aggregating orders, batch trading or block trading and is used by our firm when Signature Resources believes such action may prove advantageous to clients. If and when we aggregate client orders, allocating securities among client accounts is done on a fair and equitable basis. Typically, the process of aggregating client orders is done in order to achieve better execution, to negotiate more favorable commission rates or to allocate orders among clients on a more equitable basis in order to avoid differences in prices and transaction fees or other transaction costs that might be obtained when orders are placed independently. Signature Resources uses the average price allocation method for transaction allocation. Under this procedure Signature Resources will calculate the average price and transaction charges for each transaction included in a block order and assign the average price and transaction charge to each allocated transaction executed for the client’s account. If and when we determine to aggregate client orders for the purchase or sale of securities, including securities in which Signature Resources or our associated persons may invest, we will do so in accordance with the parameters set forth in the SEC No-Action Letter, SMC Capital, Inc. Neither we nor our associated persons receive any additional compensation as a result of block trades. Agency Cross Transactions Our associated persons are prohibited from engaging in agency cross transactions, meaning we cannot act as brokers for both the sale and purchase of a single security between two different clients and cannot receive compensation in the form of an agency cross commission or principal mark-up for the trades. Item 13 – Review of Accounts Account Reviews and Reviewers Managed accounts are reviewed at least quarterly. While the calendar is the main triggering factor, reviews can also be conducted at your request. Account reviews will include investment strategy and objectives review and making a change if strategy and objectives have changed. Reviews are conducted by Lance Hope-Gill, with reviews performed in accordance with your investment goals and objectives. Statements and Reports For our asset management services, you are provided with transaction confirmation notices and regular monthly account statements in writing directly from the qualified custodian. Signature Resources, LLC Page 15 Form ADV Part 2A Disclosure Brochure You are encouraged to always compare any reports or statements provided by us against the account statements delivered from the qualified custodian. When you have questions about your account statement, you should contact our firm and the qualified custodian preparing the statement. Item 14 – Client Referrals and Other Compensation Signature Resources does not directly or indirectly compensate any person for client referrals. The only compensation received from advisory services is the fees charged for providing investment advisory services as described in Item 5 of this Disclosure Brochure. Signature Resources receives no other forms of compensation in connection with providing investment advice. We receive an economic benefit from Schwab in the form of the support products and services it makes available to us and other independent investment advisers whose clients maintain their accounts at Schwab. These products and services, how they benefit us, and the related conflicts of interest are described above (see Item 12 – Brokerage Practices). The availability of Schwab’s products and services is not based on us giving particular investment advice, such as buying particular securities for our clients. Please see Item 5, Fees and Compensation, Item 10, Other Financial Industry Activities and Affiliations and Item 12, Brokerage Practices, for additional discussion concerning other compensation. Item 15 – Custody Custody, as it applies to investment advisors, has been defined by regulators as having access or control over client funds and/or securities. In other words, custody is not limited to physically holding client funds and securities. If an investment adviser has the ability to access or control client funds or securities, the investment adviser is deemed to have custody and must ensure proper procedures are implemented. Signature Resources is deemed to have custody of client funds and securities whenever Signature Resources is given the authority to have fees deducted directly from client accounts. For accounts in which Signature Resources is deemed to have custody, we have established procedures to ensure all client funds and securities are held at a qualified custodian in a separate account for each client under that client’s name. Clients or an independent representative of the client will direct, in writing, the establishment of all accounts and therefore are aware of the qualified custodian’s name, address and the manner in which the funds or securities are maintained. Finally, account statements are delivered directly from the qualified custodian to each client, or the client’s independent representative, at least quarterly. Clients should carefully review those statements and are urged to compare the statements against reports received from Signature Resources. When clients have questions about their account statements, they should contact Signature Resources or the qualified custodian preparing the statement. When fees are deducted from an account, Signature Resources is responsible for calculating the fee and delivering instructions to the custodian. At the same time Signature Resources instructs the custodian to deduct fees from your account; Signature Resources will send you an invoice itemizing the fee. Itemization will include the formula used to calculate the fee, the amount of assets under management the fee is based on, and the time period covered by the fee. Signature Resources, LLC Page 16 Form ADV Part 2A Disclosure Brochure Additionally, Signature Resources, is deemed to have custody of client funds and securities when Signature Resources has standing authority (also known as a standing letter of authorization or “SLOA”) to move money from a client’s account to a third-party account. As such, our firm has adopted the following safeguards in conjunction with our custodian: • The client provides instructions to the qualified custodian, in writing, that includes the client’s signature, the first/third party’s name, and either the first/third party’s address or the first/third party’s account number at a custodian to which the transfer should be. • The client authorizes the investment adviser, in writing, either on the qualified custodian’s form or separately, to direct transfers to the first/third party either on a specified schedule or from time to time. • The client’s qualified custodian performs appropriate verification of the instruction, such as a signature review or other method to verify the client’s authorization and provides a transfer of funds notice to the client promptly after each transfer. • The client can terminate or change the instruction to the client’s qualified custodian. • The investment adviser has no authority or ability to designate or change the identity of the first/ third party, the address, or any other information about the first/third party contained in the client’s instruction. • The investment adviser maintains records showing that the first/third party is not a related party of the investment adviser or located at the same address as the investment adviser. • The client’s qualified custodian sends the client, in writing, an initial notice confirming the instruction and an annual notice reconfirming the instructions. Item 16 – Investment Discretion When providing asset management services, Signature Resources maintains trading authorization over your Account and can provide management services on a discretionary basis. When discretionary authority is granted, we will have the authority to determine the type of securities and the amount of securities that can be bought or sold for your portfolio without obtaining your consent for each transaction. If you decide to grant trading authorization on a non-discretionary basis, we will be required to contact you prior to implementing changes in your account. Therefore, you will be contacted and required to accept or reject our investment recommendations including: • The security being recommended • The number of shares or units • Whether to buy or sell Once the above factors are agreed upon, we will be responsible for making decisions regarding the timing of buying or selling an investment and the price at which the investment is bought or sold. If your accounts are managed on a non-discretionary basis, you need to know that if we are not able to reach Signature Resources, LLC Page 17 Form ADV Part 2A Disclosure Brochure you or you are slow to respond to our request, it can have an adverse impact on the timing of trade implementations and we may not achieve the optimal trading price. You will have the ability to place reasonable restrictions on the types of investments that may be purchased in your Account. You may also place reasonable limitations on the discretionary power granted to Signature Resources so long as the limitations are specifically set forth or included as an attachment to the client agreement. Item 17 – Voting Client Securities Proxy Voting Signature Resources does not vote proxies on behalf of Clients. We have determined that taking on the responsibilities for voting client securities does not add enough value to the services provided to you to justify the additional compliance and regulatory costs associated with voting client securities. Therefore, it is your responsibility to vote all proxies for securities held in Account. You will receive proxies directly from the qualified custodian or transfer agent; we will not provide you with the proxies. You are encouraged to read through the information provided with the proxy-voting documents and make a determination based on the information provided. Although we do not vote client proxies, if you have a question about a particular proxy feel free to contact us. However, you will have the ultimate responsibility for making all proxy-voting decisions. Item 18 – Financial Information This Item 18 is not applicable to this brochure. Signature Resources does not require or solicit prepayment of more than $500 in fees per client, six months or more in advance. Therefore, we are not required to include a balance sheet for the most recent fiscal year. We are not subject to a financial condition that is reasonably likely to impair our ability to meet contractual commitments to clients. Finally, Signature Resources has not been the subject of a bankruptcy petition at any time. Item 19 – Requirements for State-Registered Advisers Executive Officer and Management Personnel Lance Hope-Gill Educational Background: University of Florida, BS in Finance: 1995 Business Experience: Signature Resources, Principal, Chief Compliance Officer, 04/2025 to Present; Signature Resources, Investment Advisor Representative, 04/2025 to Present; United Community Bank, Managing Director of Sales & Strategy, 03/2024 to 03/2025, Signature Resources, LLC Page 18 Form ADV Part 2A Disclosure Brochure United Community Bank, Chief Fiduciary Officer, 06/2021 to 03/2024, Seaside Capital Management, Inc., Principal and Investment Advisor Representative, 02/2019 to 12/2023 Seaside National Bank & Trust, Senior Fiduciary Officer and Investment Analyst, 02/2014 to 06/2021 Charter Investment Advisors, Inc., Vice President, 08/1996 to 04/2014 Other Business Activities See Item 10 – Other Financial Industry Activities and Affiliations. No Performance Based Fees As previously disclosed in Item 6, Signature Resources does not charge or accept performance-based fees. No Arbitrations Signature Resources or any of its associated persons have not been the subject of any client arbitrations or similar legal disputes. No Arrangement with Issuer of Securities Signature Resources and its management do not have any relationship or arrangement with any issuer of securities. Renee Hopegill Educational Background: University of Florida, Masters Degree in Education, 1996 Business Experience: Signature Resources, Owner, 11/2023 to Present; Unemployed, 06/2020 to 11/2023; Orange County Public Schools, Gifted Services Coordinator, 08/2016 to 06/2021; Other Business Activities See Item 10 – Other Financial Industry Activities and Affiliations. No Performance Based Fees As previously disclosed in Item 6, Signature Resources does not charge or accept performance-based fees. No Arbitrations Signature Resources or any of its associated persons have not been the subject of any client arbitrations or similar legal disputes. Signature Resources, LLC Page 19 Form ADV Part 2A Disclosure Brochure No Arrangement with Issuer of Securities Signature Resources and its management do not have any relationship or arrangement with any issuer of securities. Business Continuity Plan Signature Resources has a business continuity and contingency plan in place designed to respond to significant business disruptions. These disruptions can be both internal and external. Internal disruptions will impact our ability to communicate and do business, such as a fire in the office building. External disruptions will prevent the operation of the securities markets or the operations of a number of firms, such as earthquakes, wildfires, hurricanes, terrorist attack or other wide-scale, regional disruptions. Our continuity and contingency plan has been developed to safeguard employees’ lives and firm property, to allow a method of making financial and operational assessments, to quickly recover and resume business operations, to protect books and records, and to allow clients to continue transacting business. The plan includes the following: • Alternate locations to conduct business; • Hard and electronic back-ups of records; • Alternative means of communications with employees, clients, critical business constituents and regulators; and • Details on the firms’ employee succession plan Our business continuity and contingency plan is reviewed and updated on a regular basis to ensure that the policies in place are sufficient and operational. Customer Privacy Policy Notice The information contained in this section will also be disclosed in Signature Resources Privacy Policy Statement. This statement will be provided to all clients in accordance with the rules and regulations of the Gramm-Leach-Bliley Act of 1999. As a registered investment advisor, Signature Resources, LLC. and its investment adviser representatives will gather and develop personal information regarding our clients. This information will be gathered and developed by us for the following purposes: 1. To determine the client’s financial goals and objectives 2. To determine the level of advisory services needed and desired by the client 3. To provide the client with specific recommendations regarding advisory services 4. To provide the client with specific recommendations regarding financial products 5. To provide ongoing support and recommendations regarding financial products held in the client’s account Signature Resources, LLC Page 20 Form ADV Part 2A Disclosure Brochure Client information that Signature Resources, LLC. will collect may include, but not be limited to the following: • • • Information received from clients on financial inventories through consultations with its representatives. This information may include personal and household information such as income, spending habits, investment objectives, financial goals, statements of account and other records concerning the clients’ financial conditions and assets, together with information concerning employee benefits and retirement plan interests, wills, trusts, mortgages and tax returns. Information developed as part of financial plans, analyses or investment advisory services. Information concerning investment advisory account transactions, Information about clients’ financial products and services transactions with Signature Resources, LLC. When a client account is closed, Signature Resources, LLC. will continue to keep all client information confidential in accordance with the principles stated in its privacy policy. A copy of the Privacy Policy Notice will be delivered to all clients in writing by at least one of the following methods: • By hand delivering a copy to the client • Mailing a copy to the client’s address on record • If business is conducted electronically, a notice may be posted on an electronic site as long as the client acknowledges receipt of the Privacy Policy Notice prior to the client obtaining any services or products from Signature Resources, LLC. A copy of the Privacy Policy Notice will be provided to the client no later than the time a client establishes a relationship with Signature Resources, LLC., unless this situation would cause a delay in the client obtaining services and the client agrees to accept the notice at a later date. When this situation applies, a copy of the Privacy Policy Statement will be delivered to the client within a reasonable time period following the transaction. Any time a change is made to the Privacy Policy, the statement to clients will be revised. The revised statement will be given to all affected clients prior to any disclosure of information. In addition, Signature Resources, LLC. will provide a copy of its Privacy Policy Statement to all current and existing clients at least annually. Signature Resources, LLC Page 21 Form ADV Part 2A Disclosure Brochure FORM ADV PART 2B BROCHURE SUPPLEMENT – Lance Hope-Gill Item 1 – Cover Page Lance Hope-Gill Signature Resources, LLC. 5700 Creekfall Lane Fuquay Varina, NC 27526 (407) 852-8682 Date of Supplement: January 2026 This brochure supplement provides information about Lance Hope-Gill that supplements the Signature Resources, LLC. (“Signature Resources”) disclosure brochure. You should have received a copy of that brochure. Please contact Lance Hope-Gill at 407-852-8682 or at SR@signatureresourcesllc.com if you did not receive Signature Resources brochure or if you have any questions about the contents of this supplement. Item 2 – Educational Background and Business Experience Lance Hope-Gill Born 1973; CRD # 3066537 Post-Secondary Educational Background: University of Florida, BS in Finance: 1995 Business Background: Signature Resources, Principal, Chief Compliance Officer, 04/2025 to Present; Signature Resources, Investment Advisor Representative, 04/2025 to Present; United Community Bank, Managing Director of Sales & Strategy, 03/2024 to 03/2025, United Community Bank, Chief Fiduciary Officer, 06/2021 to 03/2024, Seaside Capital Management, Inc., Principal and Investment Advisor Representative, 02/2019 to 12/2023 Seaside National Bank & Trust, Senior Fiduciary Officer and Investment Analyst, 02/2014 to 06/2021 Charter Investment Advisors, Inc., Vice President, 08/1996 to 04/2014 Professional Designations Certified Financial Planner (CFP) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Signature Resources, LLC Page 22 Form ADV Part 2A Disclosure Brochure The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. CFP Acknowledgment: Lance Hope-Gill acknowledges his responsibility as a CFP® Certificant to adhere to the standards that have been established in the CFP Board’s Standards of Professional Conduct. If you become aware that Lance Hope-Gill’s conduct may violate the Standards of Professional Conduct, you may file a complaint with the CFP Board at www.CFP.net/complaint. Signature Resources, LLC Page 23 Form ADV Part 2A Disclosure Brochure Code of Ethics for CFP In addition to abiding by our Code of Ethics, some of our representatives are Certified Financial Planners™ (CFP®) and also abide by the Code of Ethics and Responsibility Code of the Certified Financial Planner™ Board of Standards, Inc. The Code of Ethics and Responsibility Code requires CFP® designees to not only comply with all applicable laws and regulations but to also act in an ethical and professional responsible manner in all professional services and activities. The principles guiding CFP® designees are: • Integrity • Objectivity • Competence (in providing services and maintaining knowledge and skills to do so) • Fairness (to clients, principals, partners and employers and disclosing any conflicts of interest in providing services) • Confidentiality (keeping all client information confidential without the specific client consent unless in response to legal process or in defense of charges of wrongdoing or civil dispute) • Professionalism • Diligence You can obtain a copy of the Code of Ethics and Responsibility Code by requesting a copy from one of our representatives. Item 3 – Disciplinary Information Lane Hope-Gill has no legal or disciplinary events to report. Item 4 – Other Business Activities Lane Hope-Gill has no other business activities to report. Item 5 – Additional Compensation Lane Hope-Gill does not receive any additional compensation or benefits. Item 6 – Supervision Lane Hope-Gill is the Chief Compliance Officer of Signature Resources. He is responsible for overseeing and enforcing the firm’s compliance programs that have been established to monitor and supervise the activities and services provided by the firm and its representatives. Lane Hope-Gill can be contacted at 407-852-8682. Item 7 – Requirements for State-Registered Advisers Lane Hope-Gill has not been involved in an arbitration award and has not been found liable in an arbitration claim alleging damages in excess of $2,500. He has not been involved in any award or found Signature Resources, LLC Page 24 Form ADV Part 2A Disclosure Brochure liable in any civil, self-regulatory organization, or administrative proceeding. Additionally, he has not been the subject of a bankruptcy petition. Signature Resources, LLC Page 25 Form ADV Part 2A Disclosure Brochure