GrandView Asset Management LLC (“GrandView”) has been in business since 2006, but became an independently registered investment adviser in July, 2014. The firm is owned by Bruce A. Smith. GrandView provides personalized investment management and financial planning services. The firm provides financial advice to individuals, families, trusts, charitable organizations and foundations, pensions and corporations. Financial Planning In most cases, the client will supply GrandView information including income, investments, savings, insurance, age, and many other items that are helpful to the firm in assessing your financial goals. The information is typically provided during personal interviews and supplemented with written information. Once the information is received, we will discuss your financial needs and goals with you, and compare your current financial situation with the goals you state. Once these are compared, we will create a financial and/or investment plan to help you meet your goals. The plan is intended to be a suggested blueprint of how to meet your goals. Not every plan will be the same for every client. Each one is specific to the client who requested it. Because the plan is based on information supplied by you, it is very important that you accurately and completely communicate to us the information we need. Also, your circumstances and needs may change as your engagement with us progresses. It is very important that you continually update us with any changes so that if the updates require changes to your plan, we can make those changes. Otherwise, your plan may no longer be accurate. Asset Management If you wish us to manage your investment accounts, we will ask you to provide us with investment guidelines, so that we can create asset allocations that meet your needs. Some examples of guidelines include your risk tolerance, or a maximum amount of assets to be held in non-U.S. investments, or a limit on the amount of stocks in your portfolio. GrandView can assist you in developing these guidelines. Each client will have a written investment policy statement to guide both you and us in the management of your assets. Asset management services may be provided on a “discretionary” or on a “non- discretionary” basis. When GrandView is engaged to provide asset management services on a discretionary basis, we will monitor your accounts to ensure that they are meeting your asset allocation requirements. If any changes are needed to your investments, we will make the changes. These changes may involve selling a security or group of investments and buying others or keeping the proceeds in cash. You may at any time place restrictions on the types of investments we may use on your behalf, or on the allocations to each security type. You will receive written or electronic confirmations from your account custodian after any changes are made to your account. You will also receive statements at least quarterly from your account custodian. Clients engaging us on a discretionary basis will be asked to execute a Limited Power of Attorney (granting us the discretionary authority over the client accounts) as well as an Investment Management Agreement that outlines the responsibilities of both the client and GrandView. When a client engages us to provide investment management services on a non-discretionary basis, we monitor the accounts in the same way as for discretionary services. The difference is that changes to your account will not be made until we have confirmed with you (either verbally or in writing) that our proposed change is acceptable to you. Wrap Program The GrandView Wrap Program (the “Program”) is a wrap fee program sponsored by

GrandView Asset Management LLC (“GrandView”) which has been an independently registered investment adviser since July, 2014. GrandView’s wrap fee program is only offered to clients who have their assets managed of a discretionary basis. For those clients, GrandView may include certain transactional costs in the client’s management fee. This arrangement is referred to a “Wrap Program”. Fees included in the wrap fee include transaction fees for the purchase or sale of securities, but do not include expenses related to the use of margin, wire transfer fees, the fees charged to shareholders of mutual funds or ETFs, mark-ups and mark-downs, spreads, odd-lot differentials, fees charged by regulatory agencies, and any transaction fees for securities trades executed by a broker-dealer other than Schwab Advisor Services. Because GrandView will be managing the assets of wrap fee program clients the same way as other non-wrap fee program clients, the use of external portfolio managers within the wrap program is expected to be limited. Therefore, there is no difference between how GrandView manages wrap fee accounts and how GrandView manages other accounts. Because of the nature of a wrap fee program, where wrap fees are not tied to an account’s frequency of trading and apply to generally all assets in the account, this fee arrangement is not appropriate for all accounts. For example, a wrap fee arrangement would not be appropriate for an account that holds primarily cash and cash equivalents, fixed income securities or no-transaction-fee mutual funds for a substantial period of time. GrandView does not include any custodial accounts in the wrap fee program. Clients whose accounts will be rarely traded should carefully consider whether the Wrap Program is appropriate. Clients are not required to participate in the Wrap Program. GrandView receives a portion of the wrap fee for our services. GrandView does not engage other portfolio managers to manage assets within the wrap fee program. GrandView is the sole portfolio manager in the wrap program, which means that GrandView receives a portion of the wrap fee for our services. Transaction fees are paid to various broker-dealers, mutual funds, and ETFs. The remainder of the wrap fee is the management fee payable to GrandView. GrandView does have an incentive to recommend Schwab to clients in order to reduce the fixed fee for transactions. GrandView attempts to mitigate this conflict by requiring that the firm’s employees acknowledge their fiduciary duty to place client interests ahead of their own, evaluating all aspects, including the wrap program asset-based transaction pricing when considering what broker- dealers to recommend. GrandView will receive no additional compensation for offering the wrap fee program. Please see the separate Wrap Fee Brochure for a more complete description of the Wrap Program. Retirement Plan Consulting/Plan Participants For a business owner or charitable organization director, navigating the landscape of pension issues can be overwhelming. Choosing the investment options for plan participants can be daunting. Our retirement sponsor clients can have GrandView provide assistance in choosing and monitoring the plan participant options. This can help ensure participants are receiving the most they can from this important benefit. For asset management clients, GrandView will upon request provide assistance with the choice of and monitoring of the investment options in the client’s qualified self-directed ERISA plan. Assets under Management As of December 31, 2023, GrandView managed approximately $ 263,642,772 in assets of which $259,863,213 are on a discretionary basis.