Description of Advisory Firm Key Financial, Inc. (hereinafter referred to as the “Advisor” or “KFI”) is registered as an Investment Adviser with the Securities and Exchange Commission. KFI was formed in March of 1997 and Patricia (also referred to as “Patti”) Clark Brennan (CRD Number 1454607) is the one hundred percent (100%) equity owner. Mrs. Brennan also acts as the firm’s CEO, and Chief Compliance Officer. The Advisor is not publicly owned or traded. There are no indirect owners of the Advisor or intermediaries that have any ownership interest in the Advisor. The Advisor provides investment management services on a continuous and ongoing basis. Client cases are managed on an individualized basis and services are tailored to meet clients’ specified needs, goals, and objectives. Clients may impose restrictions on their accounts. The Advisor does not sponsor any wrap programs. As of December 31, 2023, KFI manages $ 1,894,480,054 on a discretionary basis and $271,711,514 on a non-discretionary basis. Types of Advisory Services Principal Business: Advisor believes financial decisions should be based on the client’s desired financial outcomes with portfolio management and the deployment of financial resources serving the overall goals of each client. Therefore, KFI’s principal business purpose is to provide comprehensive financial planning services and investment recommendations that are intended to adhere closely to the client’s stated goals and objectives. In certain instances, advice regarding investments and asset allocation as deemed appropriate may be provided without comprehensive financial planning. Estate planning may be done on a modular basis with retirement cash flow analysis in order to help determine the probability of a client maintaining their lifestyles and standards of living in retirement. KFI manages client accounts on a discretionary or non-discretionary basis according to the client’s preference (as designated in the client’s advisory agreement). For accounts managed on a discretionary basis, the Advisor is authorized to implement recommendations and effect investment transactions related to the assets in clients’ Account(s). Clients authorize the Advisor, without prior consultation, consent, or approval to give instructions regarding the amount of securities to be bought or sold and/or the timing of such transactions to the custodian to implement securities transactions on behalf of clients. This authority does not extend to the withdraw or transfer of funds from clients’ account(s). Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 5 For accounts managed on a non-discretionary basis, the Advisor may provide periodic recommendations to clients and if such recommendations are approved/authorized, the Advisor will make the authorized transaction for the clients’ accounts. See Non-Discretionary Service Limitations below. As previously mentioned, KFI does not believe clients should prepay for services and has adopted a policy of billing in arrears. As such, fees are due and payable on the first business day of each calendar quarter based on the value of the client's account on the last business day of the previous calendar quarter. Advisor may choose to “grandfather” existing clients and bill them according to previously agreed upon fee schedules. Clients are directed to Item 12 (below) for a discussion of the Advisor’s brokerage practices. Comprehensive Financial Planning Services (Phase One – Initial Financial Plan): KFI, through its Investment Adviser Representatives, meets with prospective clients to explore basic points of personal and/or business financial planning. There is no charge for this initial consultation. Once the Advisor has been engaged to prepare an Initial Financial Plan, under the terms of the Phase One Agreement, the client is required to complete a Financial Planning Questionnaire and provide necessary or requested documents to aid in the development of the financial plan. Once the relevant information is received, the Advisor evaluates client’s asset allocation, securities, income taxes, estate planning, retirement planning, personal investments, insurance, financing options, cash flow, company benefits, and any other financial aspects applicable to the services of the Financial Planning Agreement. After the financial plan has been developed and stress tested, a follow-up meeting is scheduled where the written financial plan is delivered. The written financial plan generally includes an overview of the planning assumptions, an analysis of the clients’ projected long-term cash flow, and the potential impact of current strategies on the clients’ financial circumstances. In many cases, alternative planning scenarios may be presented to offer potential solutions to allow clients to achieve their stated goals and objectives. The financial plan and all assumptions are carefully reviewed for accuracy with the client, and it is clearly communicated that the client is under no obligation to implement any of the recommendations through the Advisor or the firm. If the client is satisfied and agrees to the proposed recommendations of the Initial Financial Plan, the client may proceed to an ongoing Financial Planning and Asset Monitoring (“Phase Two”) relationship with the Advisor. If a Phase Two Agreement is signed, the Advisor will implement the recommendations approved by the client. Recommendations can be made for retail accounts or advisory accounts (subject to the client’s preference), and Advisor shall disclose whether the Advisor will be compensated on the basis of asset-based fees (earned by KFI) or whether commissions will be earned (earned by the KFI Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 6 representative in his/her separate individual capacity as a registered representative of Osaic Wealth-see below). If the client does not choose to proceed to Phase Two, no ongoing planning or asset monitoring will be provided, and the client is solely responsible for the (1) decision to implement, and (2) the act of implementation for any of the recommendations that the client deems to be appropriate. Access to staff and online portals will cease according to the terms of the Phase One Agreement. Comprehensive and modular planning may include the following services as requested by the client and deemed appropriate by the Advisor: Services & Fees SCHEDULE A Services to be performed by the Planner for the Client can include (Check those that apply): Include 1. Goal Setting ________ 2. Cash Flow Projections ________ 3. Net Worth Statement ________ 4. Retirement Needs analysis and retirement income projections ________ Asset Projections ________ Monte Carlo Analysis (Probability of Success Back test) ________ 5. Risk Capacity Analysis ________ 6. Review of Current Portfolio Review of Current Asset Allocation and investments ________ Specific Allocation and Investment Recommendations ________ Proposed Portfolio ________ 6. Insurance Life Insurance Analysis ________ Disability Analysis ________ Long Term Care Analysis ________ 7. Income Tax Projections, Analysis and Planning ________ 8. Estate Planning ________ 9. Education Needs and Funding Analysis ________ 10. Other Services (as needed) ________ Clients should be mindful that the value and usefulness of financial planning services of the Advisor will be dependent upon accuracy and timeliness of information provided, and upon the client’s active participation in the formulation of financial planning objectives and Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 7 implementation of plans to attain those objectives. The client will provide copies of insurance policies, wills, tax returns, and other documents and information as the Advisor may reasonably request to permit complete evaluation and prepare planning and investment recommendations to the client. KFI recognizes that the value of any financial plan goes beyond the written plan and involves carefully monitoring clients’ progress toward their financial goals and objectives. Without this, a static plan can become obsolete as changes in a client’s financial situation, the economy, tax laws, and markets can have a significant impact on the success of the Initial Financial Plan. Further, recommendations made based on these factors may cause any Phase One recommendations to become less appropriate, outdated, or no longer advisable. As such, KFI’s investment advisory structure is designed to align the firm’s interests with the best interests of the client. Ongoing Financial Planning & Asset Management (Phase Two – Advisory Services): If subsequently engaged to do so, the Advisor will monitor the clients’ financial plan and furnish periodic updates recommendations (as needed) regarding the allocation of present financial resources among different types of assets (including investments, savings, and life insurance). If a comprehensive financial plan has not been prepared, the clients can request these services at any time, generally for a separate initial planning fee. These services will be performed with the intent to better correlate the investment strategies and deployment of assets with the clients’ financial planning objectives. Clients may continue to utilize the Advisor in an investment program of Asset Allocation and to monitor clients’ objectives, risk tolerance, and financial constraints. In order to manage clients’ portfolios as an element of the ongoing financial planning services, the Advisor will offer Key Advisory Services Accounts (“KAS Accounts”), which are accounts that authorize the Advisor to purchase no-load mutual funds, load-waived funds, and other equity, ETF's, debt, and option securities on behalf of the clients. No initial sales charges or commissions will be assessed in these accounts, nor will the Advisor charge any amount over and above the minimum broker-dealer commission and clearing charges. As such, in addition to the quarterly account fees described below, clients generally could also be required to pay separate per-trade transaction charges. Please see the client agreement for a complete list of transaction charges. Neither the Advisor, nor any of its representatives, will receive any portion of the transaction charges for KAS advisory accounts. The Advisor will request the relevant financial data from clients and assist in the selection of appropriate investments. The investment strategy will be tailored to the specific needs of each client and will depend on each client’s financial goals and individual or personal/family situation. For the avoidance of doubt, Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 8 the client retains the opportunity to place reasonable restrictions on investments held within their KAS Account, and if applicable, the client should promptly notify the Advisor by providing such restrictions in writing. Please Note: Planning Limitations. Advisor believes that it is important for the client to address financial planning issues on an ongoing basis. Advisor’s advisory fee, as set forth at Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with the Advisor. It remains each client’s responsibility to promptly notify Advisor if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Alternative Advisory Service Arrangements Advisor Managed Accounts (Key Investment Clients (KIC)/ Investment Only Service) – While the Advisor believes that every client can benefit from a financial plan, from time to time, clients may decide that comprehensive financial planning services are not necessary given their financial situation or preference. Under such circumstances, clients may choose to engage the Advisor for discretionary asset management services that do not include comprehensive financial planning services. These clients will be billed according to the KAS Account fee schedule as the Advisor does charge a separate fee for Phase One financial planning services. Outside Accounts - Asset allocation selection and portfolio monitoring services may be provided for clients with external pension, profit sharing, 401k, 403b, mutual fund or brokerage accounts held at custodians or broker-dealers outside of the Advisor's broker-dealer, as part of the financial planning advisory services. Aggregation of outside accounts into clients’ personal website (eMoney) is an accommodation, and advisor takes no responsibility to ensure outside accounts are connected, aggregating properly, or being updated in clients’ financial plans. For the avoidance of doubt, continuous management and ongoing performance reporting will not be provided for outside accounts. Since data feeds come directly from the Advisor’s Custodian, ongoing monitoring, continuous management, and performance reporting will only be provided for assets under custody of Osaic Wealth or its clearing firm, Pershing LLC. Neither KFI, nor any of its representatives, maintain passwords from clients/ pension, profit sharing, 401k, 403b, mutual fund or brokerage accounts held at broker-dealers/custodians other than Osaic Wealth and Pershing. Grandfathered Retail Accounts - Clients who engaged the Advisor for services prior to the availability of discretionary asset management services (KAS Accounts) are grandfathered under the Advisor’s previous asset-based fee structure of one-third of one percent (0.333%) of assets Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 9 under management for financial planning and asset monitoring. Recommendations are made on a periodic basis. This program is not available to new clients, except for new clients related to an existing grandfathered retail account client Grandfathered Converted KAS Accounts –Grandfathered Retail Account clients who desire access to institutional pricing, discretionary investment services, and continuous and ongoing management of client portfolios can choose to convert to a KAS Account. Clients who take advantage of this account conversion will receive the grandfathered advisory fee rate of sixty- five basis points Grandfathered Third-Party Managed Accounts - In certain circumstances the Advisor may utilize the services of RTD Financial Advisors (“RTD”) serving as a third-party money manager. RTD utilizes Charles Schwab (“Schwab”) as the broker-dealer firm. In general, the minimum account size is $250,000. The Advisor provides recommendations regarding asset allocation which is the process of selecting a mix of asset allocation of capital to those assets based on the client's objectives, risk tolerance, and time constraints. Quarterly status and repositioning reports are provided by RTD. As part of KFI’s agreement with RTD, the Advisor will be compensated sixty-five percent (65%) of advisory fees collected from clients that pertain to services rendered pursuant to this agreement. Assets Held or Managed Away: As part of an initial financial planning analysis and engagement, the Advisor will assist clients in determining their investment goals and objectives, risk tolerance, and retirement plan investment time horizon(s). The Advisor will then recommend an initial asset allocation. However, if such assets are custodied outside of the control and oversight of the Advisor or Advisor’s broker-dealer (Osaic Wealth , Inc.) or custodian (Pershing LLC), the client is responsible for the implementation of the Advisor’s recommendations and ongoing monitoring of asset allocation and performance. Termination - Clients can terminate their relationship with the Advisor by providing written notice in accordance with the terms of their signed agreement. KFI bills for ongoing financial planning and asset monitoring services in arrears so issues related to the refunding of prepaid fees generally do not apply. If an extraordinary circumstance involving the termination of services after a prepayment, the client would then receive, where applicable, a prorated refund of any prepaid advisory fees. Such prorated refund will be based upon actual services and termination costs incurred up to and at the time of termination of the Advisor’s services. Educational Seminars - KFI offers free financial education seminars as a means of introducing the knowledge, expertise, and services of the Advisor to the public. The Advisor also hosts client appreciation events and meetings from time to time. Mutual fund companies and annuity companies may participate in covering the costs associated with these events and seminars. Such participation presents a potential conflict of interest. However, the client’s best Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 10 interest shall always be placed ahead of the interests of the Advisor and/or its associated persons. Trust Services - KFI participates in Pershing’s Trust Network and may recommend clients who need personal trust services to certain corporate trustees in the Trust Network. If a client employs a corporate trustee, neither KFI, nor its associated persons, receive compensation from the corporate trustee. All fees paid to the corporate trustee for services performed are separate from, and in addition to, fees paid to KFI for financial planning and advisory services performed. Clients are under no obligation to use any recommended corporate trustee(s) for personal trust services. Miscellaneous - Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. Subsequent to completion of Phase One, as engaged by the client, KFI will generally provide financial planning and related consulting

services regarding non-investment related matters, such as tax and estate planning, insurance, etc., inclusive of its advisory fee set forth at Item 5 below (exceptions could occur based upon assets under management, special projects, extraordinary events, stand-alone planning engagements, etc. for which Advisor may charge a separate or additional fee). Please Note: KFI believes that it is important for the client to address financial planning issues on an ongoing basis. KFI’s advisory fee, as set forth in Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with KFI. Please Also Note: KFI does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, KFI does not prepare legal documents, prepare tax returns, or sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purpose (i.e. attorneys, accountants, insurance, etc.), including some KFI representatives in their separate individual capacities as Registered Representatives of Osaic Wealth, Inc. (“Osaic Wealth”), an SEC registered and FINRA member broker-dealer, and as licensed insurance agents. See Item 10 below. 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 KFI and/or its representatives. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional[s] (i.e. attorney, accountant, insurance agent, etc.), and not KFI, shall be responsible for the quality and competency of the services provided. Please Further Note - Conflict of Interest: The recommendation by a KFI representative that a client purchase a securities or insurance commission product from a KFI representative in his/her individual capacity as a representative of Osaic Wealth and/or as an insurance agent, presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 11 and/or insurance products based on commissions to be received, rather than on a particular client’s need. No client is under any obligation to purchase any securities or insurance commission products from a KFI representative. Clients are reminded that they may purchase securities and insurance products recommended by a KFI representative through other, non- affiliated broker-dealers and/or insurance agents. questions that a client or prospective client may have regarding the above conflicts of interest. Please Note: Retirement Rollovers - Potential for Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If KFI recommends that a client roll over their retirement plan assets into an account to be managed by KFI, such a recommendation creates a conflict of interest if KFI will earn new (or increase its current) compensation as a result of the rollover. If KFI provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), KFI is acting as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. No client is under any obligation to roll over retirement plan assets to an account managed by KFI, whether it is from an employer’s plan or an existing IRA. KFI’s Chief Compliance Officer, Patti Brennan, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Portfolio Activity - KFI has a fiduciary duty to provide services consistent with the client’s best interest. If engaged for ongoing management (referred to as Phase 2) KFI will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when KFI determines that changes to a client’s portfolio are neither necessary, nor prudent. Clients remain subject to the fees described in Item 5 below during periods of account inactivity. Cash Sweep Accounts. Account custodians generally require that cash proceeds from account transactions or cash deposits be swept into and/or initially maintained in the custodian’s sweep account. The yield on the sweep account is generally lower than those available in money market accounts. To help mitigate this issue, Advisor shall generally purchase a higher yielding Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 12 money market fund available on the custodian’s platform with cash proceeds or deposits, unless Advisor reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to, the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. Please Note: The above does not apply to the cash component maintained within the Advisors’ actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any of the Advisors’ unmanaged accounts. Cybersecurity Risk. The information technology systems and networks that Advisor and its third-party service providers use to provide services to Advisor’s clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Advisor’s operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Advisor are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although Advisor has established its processes to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that Advisor does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Custodian Charges-Additional Fees - As discussed below, in conjunction with KFI’s employees’ relationship with Osaic Wealth (broker-dealer), who utilizes Pershing LLC as a clearing firm, shall serve as the broker-dealer/custodian for client investment management assets. Clearing firms, such as Pershing, charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 13 mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian. However, the commissions and/or transaction fees charged by Osaic Wealth and Pershing may be higher or lower than those charged by other broker-dealer/custodians. While certain custodians do not currently charge fees on individual equity transactions [including ETFs], others do). Currently, Pershing charges transaction fees or commissions for ETFs and equities utilized by KFI. Although KFI is not a frequent trader, its primary investment vehicles for client accounts are ETFs Thus, clients who utilize Pershing will incur transaction fees for ETF transactions that those at other custodians may not incur do not incur (Please Note: there can be no assurance that Pershing will not change their transaction fee pricing in the future). These fees/charges are in addition to KFI’s investment advisory fee in Item 5 (below). KFI does not receive any portion of these fees/charges. Any Questions: KFI’s Chief Compliance Officer, Patti Brennan, remains available to address any questions that a client or prospective client may have regarding the above. Borrowing Against Assets/Risks. A client who has a need to borrow money could determine to do so by using a Pledged Assets Loan where, in consideration for a lender (i.e., a bank, etc.) to make a loan to the client, the client pledges its investment assets held at the account custodian as collateral. Collateralized loans are generally utilized because they typically provide more favorable interest rates than standard commercial loans. These types of collateralized loans can assist with a pending home purchase, permit the retirement of more expensive debt, or enable borrowing in lieu of liquidating existing account positions and incurring capital gains taxes. However, such loans are not without potential material risk to the client’s investment assets. The lender (i.e. custodian, bank, etc.) will have recourse against the client’s investment assets in the event of loan default or if the assets fall below a certain level. For this reason, KFI does not recommend such borrowing unless it is for specific short-term purposes (i.e. a bridge loan to purchase a new residence). KFI does not recommend such borrowing for investment purposes (i.e. to invest borrowed funds in the market). Regardless, if the client was to determine to use a pledged asset loan, rather than liquidating assets in the client’s account, KFI continues to earn a fee on such Account assets. Please Note: The Client must accept the above risks and potential corresponding consequences associated with the use pledged assets loans. Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 14 ERISA PLAN and 401(k) INDIVIDUAL ENGAGEMENTS: Trustee Directed Plans. KFI may be engaged to provide investment advisory services to ERISA retirement plans, whereby the Firm shall manage Plan assets consistent with the investment objective designated by the Plan trustees. In such engagements, KFI will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). KFI will generally provide services on an “assets under management” fee basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the Firm. Participant Directed Retirement Plans. KFI may also provide investment advisory and consulting services to participant directed retirement plans per the terms and conditions of a Retirement Plan Services Agreement between KFI and the plan. For such engagements, KFI shall assist the Plan sponsor with the selection of an investment platform from which Plan participants shall make their respective investment choices (which may include investment strategies devised and managed by KFI), and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision-making process. Client Retirement Plan Assets. If requested to do so, and as an accommodation, KFI can also provide investment advisory services relative to 401(k) plan assets maintained by the client in conjunction with the retirement plan established by the client’s employer. In such event, KFI shall recommend that the client allocate the retirement account assets among the investment options available on the 401(k) platform. KFI’s recommendations shall be limited to the allocation of the assets among the investment alternatives available through the plan. KFI will not be managing the plan on a continuous and on-going basis and will not receive any communications from the plan sponsor or custodian. It shall remain the client’s exclusive obligation to notify KFI of any changes in investment alternatives, restrictions, etc. pertaining to the retirement account. Neither KFI, nor any of its representatives, maintain passwords from clients/ pension, profit sharing, 401k, 403b, mutual fund or brokerage accounts held at broker- dealers/custodians other than Osaic Wealth and Pershing. eMoney: Account Aggregation. We may provide our clients with access to online platforms hosted by eMoney. The eMoney platform allows a client to view their complete asset allocation, including those assets that we do not manage (the “Excluded Assets”). We do not provide investment management, monitoring, or implementation services for the Excluded Assets. Therefore, we shall not be responsible for the investment performance of the Excluded Assets. You and/or your other advisors that Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 15 maintain trading authority, and not us, shall be exclusively responsible for the investment performance of the Excluded Assets. In addition, eMoney also provide access to other types of information, including financial planning concepts, which should not, in any manner whatsoever, be construed as services, advice or recommendations provided by us. We do not provide investment management, monitoring or implementation services for the Excluded Assets. If we are asked to make a recommendation as to any Excluded Assets, you are under absolutely no obligation to accept the recommendation, and we shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. You may engage us to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Investment Advisory Agreement between us and you. Finally, we shall not be held responsible for any adverse results a client may experience if you engage in financial planning or other functions available on the eMoney platform without our assistance or oversight. Please Note: Non-Discretionary Service Limitations - Clients that determine to engage KFI on a non-discretionary investment advisory basis must be willing to accept that the KFI cannot affect any account transactions without obtaining prior consent to any such transaction(s) from the client. Thus, in the event that KFI would like to make a transaction for a client’s account, and client is unavailable, KFI will be unable to affect the account transaction (as it would for its discretionary clients) without first obtaining the client’s consent. Client Obligations. In performing our services, KFI 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. Moreover, it remains each client’s responsibility to promptly notify KFI, in writing, if there is ever any change in their financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Disclosure Brochure. A copy of KFI’s written disclosure statement as set forth on Part 2 of Form ADV and our Form CRS ( Relationship Summary) shall be provided to each client prior to, or contemporaneously with, the execution of KFI’s Investment Advisory Agreement. KFI shall provide investment advisory services specific to the needs of each client. Prior to providing investment advisory services, an investment adviser representative will ascertain each client’s investment objective(s). Thereafter, KFI shall allocate and/or recommend that the client allocate investment assets consistent with the designated Form ADV - Part 2A (KFI 2024 Firm Brochure) - Page 16 investment objective(s). The client may, at any time, impose reasonable restrictions, in writing, on KFI’s services. Please Note: Investment Risk - Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by KFI) will be profitable or equal any specific performance level(s). KFI does not participate in a wrap fee program.