Firm Description Quantum Financial Planning Services Inc. (“Quantum,” “us,” or “we”) is an SEC- registered investment adviser founded in 1979. Quantum is owned by C. Eric Christiansen, Micah Coski, and Jordan Curnutt. We are a fee-only, comprehensive financial planning and investment advisory firm. We provide personalized confidential financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning and estate planning. OUR MISSION Quantum was founded with the purpose of providing assistance in the planning of a client's overall financial affairs. Quantum practices independent comprehensive financial planning, which includes two major components: financial planning, including initial planning and ongoing review of financial planning goals and objectives (Asset Management Services), and the design and monitoring of investment portfolios. Our goal is to staff Quantum with a team of professionals qualified to assist our clients in achieving their financial objectives. We work with the client and his or her other trusted professionals, providing financial planning consultation and overall coordination on a personal basis. Quantum offers investments advisory services through its Investment Advisory and Financial Planning Agreement. Our advice is tailored to your individual needs and goals. Through our financial planning software, you have access to view or receive reports. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. The initial meeting we have with prospective clients, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. When we recommend another professional to a client, we do not receive any direct or indirect compensation from that referral. To further avoid conflicts of interest, we do not recommend clients to related persons of our planners where such referral could lead to a commission for that related person. Although we do not expect there to be other conflicts of interest relating to recommendations and/or use of other professionals, such conflicts will be disclosed to the client at the time of engagement whenever applicable. Types of Advisory Services INITIAL OR ONE-TIME FINANCIAL PLANNING SERVICES We typically begin a new client relationship with comprehensive financial planning services, which focus on the client's personal goals such as funding children's college education, achieving financial independence, and providing adequate funds for dependents in the event of premature death. Typical client concerns are listed on the schedule titled Financial Planning Services attached to the Client Agreement. Our goal is to determine the optimum course of action for the realization of client financial planning objectives, taking into consideration client needs, earning power, financial resources and particular aversion to risk. Clients are provided with personalized written and oral financial planning advice designed to help them to identify, prioritize and achieve their financial goals. Such advice normally involves the development of specific strategies, alternatives and integrated solutions. At the client’s request we will offer limited scope financial planning services. For example, research on investments brought to us by the client and with which we are unfamiliar would fall into this category. The scope of one-time, miscellaneous financial planning services will be detailed in the Financial Planning Services schedule attached to the Client Agreement. FINANCIAL PLANNING ADVISORY SERVICES Financial planning advisory services involve reviewing the client's financial affairs, creating a financial plan, aiding the client in implementing agreed upon recommendations, including asset allocation, providing ongoing monitoring of goals and objectives, and making adjustments as circumstances change. The process begins with an initial consultation offered at no charge. The purpose is to determine if the client can benefit from financial planning and to what extent our services are needed. Before we charge our fee, the scope of the work and the fee are agreed upon and the Client Agreement with the Financial Planning Services schedule is executed. Financial planning requires a clear understanding of the client's current situation. Areas of examination include assets, liabilities, income, expenses, potential income taxes and estate taxes, trust agreements, wills, investments, insurance, personal and family obligations, employee benefit programs and careful consideration of investment vehicles. The client is expected to provide complete information in all relevant areas. Quantum maintains stringent client and data privacy policies and we will keep all of your information and the recommendations furnished to you in confidence. The various areas of client concern and recommendations are discussed orally and in writing in a series of meetings with the client. Upon agreement of specific recommendations an approved course of action is implemented. INITIAL ASSET ALLOCATION This service is designed for those clients having no need or desire for financial planning, but who desire investment planning services. These may include pension plans, children's trust, or clients who desire to monitor their own investments after the initial allocation is made. Quantum analyzes the client's current investments and makes recommendations regarding the retention, purchase, or sale of investments.

As much as possible, we attempt to move the client's portfolio toward the asset allocation mix of our current model appropriate for the goals and risk aversion of the particular client. ONGOING FINANCIAL PLANNING SERVICE We have identified specific needs present with high producing real estate professionals and have designed a comprehensive financial planning program tailored to these individuals. We believe such professionals have unique circumstances that don’t impact most other professionals, or don’t impact them in the same manner. We tailor this service to the client’s specific scenario, and typically provide the following:  Financial goal setting  Analysis and recommendations of cash management solutions  Evaluation of current investments, concentrations in one asset class, and overall net worth  Tax planning considerations  Modeling of rental income  Coordination with your other professionals, as needed This is an ongoing monthly service for a flat monthly fee. We provide this service only after completing our initial financial planning services for a flat fee. See Item 5 of this brochure for fee information. ASSET MANAGEMENT AND ONGOING FINANCIAL PLANNING SERVICES After the initial planning process, the client's goals and economic conditions continue to change. Revisions in the tax law, changes in inflation, fluctuation in interest rates and instability in investment mediums, combined with changes in the client's personal situation, require that financial and tax planning is an ongoing process. Quantum offers asset management and ongoing financial planning to provide periodic review and revisions of the major components of a client's financial plan to help assure that goals are being achieved. These services include summarizing individual investments and effecting changes to your existing portfolio, and updating your financial plan. Ongoing asset management and financial planning does not include the monitoring, review or surveillance of investment of other assets outside of Quantum’s management. Below are some services included in our Asset Management Services. INVESTMENT SERVICES These services include the design and construction of an investment portfolio consistent with the client’s financial constraints and objectives, risk tolerance and prevailing economic conditions. Economic factors such as the supply of money, various interest rates and changes in inflation are analyzed to help predict the future economic environment which, in turn, guides our asset allocation model and the selection of investments suitable for particular investment portfolios. Political factors are considered in those areas that impact our overall economic environment. Our asset allocation model helps us to determine what types of assets to include or exclude from portfolio considerations and in what proportion those asset types should be held. We do not adhere to the principle of attempting to “time” the market nor do we attempt to “switch” to a particular asset class to take advantage of peculiar and temporary insights into the capital markets. ONGOING ASSET ALLOCATION AND MANAGEMENT Quantum monitors the client's investment portfolio and makes investment changes as we believe they are needed. All or a portion of the client's investment portfolio may be managed as agreed to between the client and Quantum. The client's investment portfolio will be analyzed and reevaluated on a regular basis. Quantum will implement changes. The client acknowledges the risk involved in any investment and that any one investment may or may not perform as expected. Tailored Relationships Quantum services are always provided based on the individual needs of each client. This means, for example, that individual clients are given the ability to impose restrictions on the accounts under management, including specific investment selections and sectors. We work with each client on a one-on-one basis through interviews and ongoing conversation to determine the client’s investment objectives and suitability information. Asset Management Assets are invested primarily in mutual funds through a brokerage account. Investments may also include: exchange traded funds (ETFs), equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities, and U. S. government securities. Investments in private placements are not available through Quantum. We may recommend clients open a high-yield savings account with a third-party platform provider for larger cash positions. Important Information for Retirement Investors When we recommend that you rollover retirement assets or transfer existing retirement assets (such as a 401(k) or an IRA) to our management, we have a conflict of interest. This is because we will generally earn additional revenue when we manage more assets. In making the recommendation, however, we do so only after determining that the recommendation is in your best interest. Further, in making any recommendation to transfer or rollover retirement assets, we do so as a “fiduciary,” as that term is defined in ERISA or the Internal Revenue Code, or both. We also acknowledge we are a fiduciary under ERISA or the Internal Revenue Code with respect to our ongoing investment advisory recommendations and discretionary asset management services, as described in the advisory agreement we execute with you. To the extent we provide non-fiduciary services to you, those will be described in the advisory agreement. Assets Under Management and Advisement As of September 30, 2023, Quantum’s assets under management and advisement totaled $498,203,048. Of this amount, $466,424,799 are considered Regulatory Assets Under Management (Regulatory AUM) and were directly managed by Quantum. $452,421,096of our Regulatory AUM was managed on a discretionary basis and $14,003,703 was managed on a non-discretionary basis. Our assets under advisement (Non-Regulatory AUM), which were all non-discretionary assets held away from our firm, totaled $31,778,249.