Professional Financial Solutions, LLC (PFS) has been in operation since 1997. The firm is independently owned, primarily by Michael McLenigan, and Renee Sewall as of January 1, 2022. PFS offers three services: Financial Planning, Consulting, and Investment Management. FINANCIAL PLANNING PFS may provide its clients with a broad range of financial planning and/or consulting services (including investment and non-investment-related matters). PFS’s services are tailored to the individual goals and needs of clients. PFS provides financial planning services, which usually are focused on retirement, but can include other client goals. Using information provided by clients, PFS will analyze their goals in light of their situation to determine how to help them achieve their goals. The end product is a document that includes a narrative summary, recommendations, and the financial analysis. CONSULTING Consulting is offered to those clients that wish to focus on one issue related to their financial situation. An example might be a strategy to pay down credit card debts. Since these are unique engagements, it is difficult to describe the analysis but in most cases a document will be prepared to illustrate the client’s situation and the recommended course of action to accomplish the client’s goal. This type of service is rarely performed. INVESTMENT MANAGEMENT PFS also offers investment management services for their clients. These services are offered on a fee-only basis. These clients are predominately individuals. Advice is provided on both the accounts managed by PFS as well as those outside of PFS, such as the client’s current employer retirement plan. PFS generally recommends that our clients hold mutual funds and exchange traded funds in their portfolios. In most cases, PFS will prepare an Investment Policy Statement for investment management clients. This document outlines the client’s target allocation and is based on their risk tolerance and goals. As a result, each allocation decision is tailored to the specific client. Clients can impose limits or restrictions on investing in certain securities or types of securities in the portfolio. Such limits,

if significant, may cause results to be different than what PFS would expect. If the limitations are significant, PFS may decide to no longer serve as adviser to the client. Investments managed as of December 31, 2023: Managed on a discretionary basis: $261,370,195 Managed on a non discretionary basis: $24,753,549 Total investments managed: $286,123,744 Client Obligations In performing its services, PFS shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. If requested by the client, PFS may recommend the services of other professionals for implementation purposes. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from PFS. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify PFS if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising PFS’s previous recommendations and/or services. Agreements Prior to engaging PFS to provide financial planning, consulting services, and/or investment management services, the client will be required to enter into a formal agreement with PFS setting forth the terms and conditions of the engagement as well as describing the scope of the services to be provided. For investment management services, the client will also complete a separate custodial/clearing agreement with each designated broker-dealer/custodian. Assignment Neither PFS nor the client may assign PFS’s client agreement without the prior consent of the other party. Transactions that do not result in a change of actual control or management of PFS shall not be considered an assignment. PFS’s services are tailored to the needs of its clients. A client’s financial plan is customized to his/her situation, every portfolio is personalized, and the level of services needed by a client will vary given what is going on in his/her life in a given period.