Meridian Financial Partners LLC (“Meridian Financial”) has been in business since July, 2015. The firm’s principal owners are Nathan Gilbert and The Sarah J. Yakel Revocable Living Trust u/a dated February 16, 2024, of which, Sarah Yakel is a trustee. Jointly, they have more than 50 years of financial experience. Meridian Financial provides personalized asset management and financial planning services. We strive to build lasting relationships and create an exceptional experience that provides clients with individualized attention and a wealth plan tailored to their needs. Our belief is that making clients feel like they are part of the Meridian Financial family fosters a strong working relationship, with an added personal touch. We attempt to help build, maintain, and preserve the assets that clients have worked so hard to accumulate. ASSET MANAGEMENT Our predominant service is asset management. When a client has at least $250,000 (subject to our discretion to waive this minimum) we will invest their assets in a manner consistent with their investment objectives. To ascertain these objectives, the client experience begins with a thorough orientation process and continues as we attempt to learn about you and your family over the years. Meridian Financial’s approach to asset management is based on developing and maintaining a strong relationship with each client through regular communication. We want these exchanges to be initiated by both the firm and the client, as needs arise, or even just as communication for the sake of keeping in touch. This is important as Meridian Financial believes successful asset management services can best be provided when there exists a relationship between client and advisor based on mutual trust. That trust is developed over time and maintained through honest and open communication, which is an aspect of our industry Meridian Financial believes, is frequently absent. When advisors and clients only communicate on a superficial level, rather than striving to get to the fundamental drivers of a client’s goals or advisor’s concerns and strategies, clients come away with cluttered, confused ideas as to where they are going and how to get there. Meridian Financial does not expect, nor want clients to simply trust the firm to take care of the investments without significant input from the client. Rather, it is Meridian Financial’s goal to keep clients educated and organized, which we believe puts them in the best position to exercise the ongoing financial discipline required to acquire and maintain wealth. This is why we do not force clients into a specific strategy or product. Instead, we welcome clients to discuss investment preferences or place reasonable restrictions on how we manage their assets. We review each account on its own merits, using the information we have from the client to guide our recommendations. While Meridian Financial leans toward longer period investments, sometimes asset allocation or underlying security selection needs to change somewhat rapidly in order to protect principal from an unforeseeable market event, or to allow for various changes in asset class performance to be rebalanced in the client’s portfolio. Accordingly, we believe we work best when managing assets on a discretionary basis, which means that within the guidelines of a given client’s objectives and restrictions, we will make changes in client portfolios without specific consultation with the client prior to the change. We will in limited circumstances work with clients on a non-discretionary basis, in which case we will contact the client prior to making changes in a portfolio. However, if we are unable to reach a non-discretionary client, the recommended trade will not be made which can compromise the portfolio. All clients will be required to sign an agreement between the client and Meridian Financial, which outlines the firm’s, and the client’s responsibilities during the engagement. The agreement will also include a limited power of attorney (which

grants Meridian Financial the ability to place trades in a client account, not the ability to execute documents of any kind on your behalf). Client assets will always be maintained with a third party custodian, who will send each client a statement at least quarterly showing the holdings in their portfolio, any transactions made, the costs for those transactions, and any fees debited from their accounts. We encourage clients to thoroughly review those statements and contact Meridian Financial with any questions, concerns, or thoughts. All clients, but especially those with smaller accounts, should be advised they may receive similar services from other professionals for higher or lower overall costs. FINANCIAL PLANNING Meridian Financial believes some degree of financial planning is always required in order to manage a client’s assets well. The firm will not be able to help a client meet goals if those goals are not well defined, and the rationale behind those goals explained. The financial planning process at Meridian Financial is not necessarily readily distinguishable from the asset management process, in that it continues through the engagement just as asset management does. But at the inception of a relationship, a significant portion of time will be allocated towards information gathering and organizing the client’s current circumstances, likely future needs, and aspirations. Separating the client’s aspirations from potential realities is done at this stage. Clients will be asked to provide information in the form of documents, such as statements for existing accounts, insurance policies, and tax status. Other background on both income and necessary and desired expenditures is reviewed during discussions with each client. Meridian Financial believes that these discussions are crucial to setting up and maintaining the proper asset allocations for client portfolios, because too often clients focus on a number such as a number they believe they need for retirement, as opposed to a state of affairs, such as maintaining a lifestyle during retirement or other goals. These are not always one and the same, because the number a client believes is the goal is not always the right number to reach their actual goals. Separating the two is most important, and helps clients avoid the ever present noise and focus on what they really want. The planning process must be ongoing, because needs and resources can and do change. Meridian shall generally provide financial planning and related consulting services regarding non- investment related matters, such as estate planning, tax planning, insurance, etc. inclusive of its advisory fee in Item 5, below. Meridian does not serve as an attorney, accountant or insurance agent, and no portion of our services should be construed as legal, accounting or insurance services. Accordingly, Meridian does not prepare estate planning documents or tax returns, not does it sell insurance products. If you request, Meridian Financial may recommend the services of other professionals for implementation purposes. You are under no obligation to engage the services of any such recommended professional. You retain absolute discretion over all such implementation decisions and are free to accept or reject any recommendation from Meridian Financial. If you engage any professional recommended by Meridian Financial, you agree to seek recourse exclusively from and against the engaged professional. In performing our services, Meridian counts on the accuracy of information received by you or from other professionals. Moreover, it is your responsibility to promptly let us know if there are ever any changes in your financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. ASSETS UNDER MANAGEMENT As of December 31, 2023, Meridian Financial had a total of $400,472,593 assets under management across 1,227 accounts. Of that total, there was $348,627 held in 5 non-discretionary accounts.