Firm Description Financial Horizons, Inc. was founded in 1971. Financial Horizons, Inc. provides investment management to individuals, trusts and pension and profit sharing plans. Advice is provided through consultation with the client and may include: determination of financial objectives, investment management and retirement planning. Financial Horizons, Inc. is strictly a fee-only investment management firm. The firm does not receive commissions for purchasing or selling stocks, bonds, mutual funds, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. Financial Horizons, Inc. does not act as a custodian of client assets. The client always maintains asset control. Financial Horizons, Inc. places trades for clients under a limited power of attorney. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Principal Owners James T. Adams is 100% Types of Advisory Services Financial Horizons, Inc. provides investment supervisory services, also known as asset management services; manages investment advisory accounts not involving investment supervisory services. As of December 31, 2023, Financial Horizons, Inc. manages approximately $161,254,619 in assets for approximately 18 clients. Approximately $161,254,619 is managed on a discretionary basis, and $ 0 is managed on a non-discretionary basis. Tailored Relationships The goals and objectives for each client are documented in our client relationship management system. Clients may impose restrictions on investing in certain securities or types of securities. Types of Agreements The following agreements define the typical client relationships. Financial Planning Agreement Not Applicable Advisory Service Agreement Clients choose to have Financial Horizons, Inc. manage their assets in order to obtain ongoing in-depth advice. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for an Advisory Service Agreement is provided to the client in writing prior to the start of the relationship. An Advisory Service Agreement includes: cash flow management; investment management (including

performance reporting); retirement planning; as well as the implementation of recommendations within each area. The annual Advisory Service Agreement fee is based on a percentage of the investable assets according to the following schedule: 2.00% on $200,000 1.50% on $500,000 1.25% on $750,000 1.00% on $1,000,000 .75% on $2,000,000 and above Current client relationships may exist where the fees are higher or lower than the fee schedule above. Although the Advisory Service Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at the client’s discretion. The client or the investment manager may terminate an Agreement by written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the quarter completed. The portfolio value at the completion of the prior full billing period is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. Retainer Agreement Not Applicable Investment Management Agreement Not Applicable Tax Preparation Agreement Not Applicable Hourly Planning Engagements Not Applicable Asset Management Assets are invested primarily in stocks and bonds. Assets may also be invested in no-load or low-load mutual funds and exchange-traded funds. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Discount brokerages may charge a transaction fee for the purchase of some funds. Stocks and bonds are purchased or sold through a brokerage account. The brokerage firm may charge a fee for stock and bond trades. Financial Horizons, Inc. does not receive any compensation, in any form, from fund companies. Investments may include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, and mutual funds shares), and U. S. government securities. Initial public offerings (IPOs) are not available through Financial Horizons, Inc. Termination of Agreement A Client may terminate the aforementioned agreement at any time by notifying Financial Horizons, Inc. in writing. If the client made an advance payment, Financial Horizons, Inc. will refund any unearned portion of the advance payment. Financial Horizons, Inc. may terminate the agreement at any time by notifying the client in writing. If the client made an advance payment, Financial Horizons, Inc. will refund any unearned portion of the advance payment.