The Firm provides investment advisory services to individuals, and retirement plan sponsors for profit and non-profit corporations. The emphasis is on long-term investing, with capital appreciation being the goal in up markets and preservation of capital being the goal in down markets. Portfolio Management Services Our Firm provides continuous advice to clients regarding their assets. We manage advisory accounts on a discretionary basis. Account supervision is guided by the stated objectives of the client (i.e., aggressive, capital appreciation, growth, balanced, conservative and capital preservation). Account management is performed based on each client’s unique set of circumstances, goals and needs. Through personal discussions, in which goals and objectives based on a client's circumstances are established, we develop a client's personal investment policy or individual investment plan and decide on a model portfolio or customized portfolio based on that policy or plan. During our data gathering process, we determine the client’s individual objectives, time horizons, risk tolerance and liquidity needs. We may also review and discuss a client’s prior investment history and experiences, as well as family composition and background. We will manage advisory accounts on a discretionary basis, as agreed with each client. For discretionary accounts, we will execute transactions without seeking prior client consent. However, clients may impose reasonable restrictions on investing in certain securities, types of securities or industry sectors. Account supervision is guided by the stated objectives of the client (i.e., conservative, income, balanced conservative growth, growth, capital appreciation) as well as tax considerations. The Firm is not the custodian of the client’s assets. Currently, the majority of all assets under management are held at Fidelity Advisory Services (Fidelity).

Fidelity is the preferred custodian of the Firm. The Firm provides investment advice generally focused on the following types of securities: Equity Securities, Certificates of Deposit, Investment Companies/Mutual Funds, Exchange Traded Funds (ETFs), Municipal Securities, Alternative Investments, Corporate Debt, and U.S. Government Securities Financial Planning The Firm offers various levels of financial planning services to clients or potential clients. Based on the client’s needs and objectives, the Firm will create a financial plan that would potentially include a net worth statement, a cash flow analysis, a review of existing investments and/or retirement assets, investment recommendations, strategic tax planning, estate planning recommendations or education planning. A financial plan typically includes investment recommendations or consultative advisory services on client investment decisions. Implementation of the recommendations is at the client’s discretion and their responsibility unless they decide to engage the Firm for full or partial discretionary investment management and ongoing financial advice. Fees charged for financial planning and consulting services are included as part of the Advisory Fees outlined below and are negotiable based on the unique circumstances of the client. The Firm has been in business since December 5, 1996. As of December 31, 2023, the assets under management with the firm is detailed as follows: Type of Accounts Total Assets Number of Accounts Discretionary Accounts $496,298,457 2,059 Non-Discretionary Accounts $4,899,523 14 Total $501,197,980 2,073 The owners of the Firm are Terence L. Horan, Michael Napier, Geoffrey Solomon and Greg Hoernschemeyer. Mr. Terence L. Horan is the majority shareholder. As a note, Mr. Terence L. Horan is also a direct shareholder with affiliated Advisor, HORAN Capital Advisors, LLC (HCA).