Briggs Advisory Group, Inc., (hereinafter “Briggs”) provides wealth management services to its clients, including but not limited to, investment management, personal financial planning and retirement plan services. Briggs is owned by Harold E. Briggs, Jr. and Christopher J. Ricci and has been providing wealth management services since 2018. As of December 31, 2022, Briggs managed $421,357,710 on a discretionary basis and $0 on a non-discretionary basis. Investment Management Services: Briggs manages investment portfolios for individuals, qualified retirement plans, trusts, not-for-profit organizations, and small businesses. Briggs will work with a client to determine the client's investment objectives and investor risk profile and will design a written Investment Policy Statement (IPS) that aligns with the clients’ stated goals and objectives. Briggs evaluates the client's existing investments with respect to the client's IPS. Briggs uses investment and portfolio allocation software to evaluate alternative portfolio designs. Briggs works with new clients to develop a plan to transition from the client's existing portfolio to the portfolio recommended by Briggs. Briggs will then continuously monitor the client's portfolio holdings and the overall asset allocation strategy and hold review meetings with the client regarding the account as necessary. Briggs will typically create a portfolio of passively managed asset classes, comprised of no-load index based mutual funds and/or exchange traded funds (ETFs). Model portfolios may be used if the models match the client's investment policy. Briggs will allocate the client's assets among these various asset classes and investments taking into consideration the overall risk and return profile of the client. Client portfolios may also include some individual equity securities, mutual funds, ETFs and bonds in situations where disposition of these securities would present an overriding tax implication or the client specifically requests they be retained for a personal reason. Briggs will note such situations within the client’s IPS when an IPS is maintained for the client. Briggs manages mutual fund and equity portfolios on a discretionary or non-discretionary basis. A client may impose any reasonable restrictions on Briggs’s discretionary authority, including restrictions on the types of securities in which Briggs may invest client’s assets and on specific securities, which the client may believe to be appropriate. Briggs may also recommend to advisory clients fixed income portfolios, which consist of managed accounts of laddered individual bond portfolios. Briggs will request discretionary authority from advisory clients to manage fixed income portfolios, including the discretion to engage an independent third-party fixed income manager. Briggs has contracted with Buckingham Strategic Partners, LLC for sub-advisory services with respect to clients’ fixed income accounts. A client agreement, including this discretionary authority granted to Briggs by the client to hire a fixed income sub-advisor, may be canceled at any time for any reason upon receipt of 30-days’ written notice. Pursuant to its discretionary authority, Briggs will engage the third-party fixed income manager. The fixed income manager will be provided with the discretionary authority to invest client assets in fixed income securities consistent with the client’s IPS. The manager will also monitor the account for changes in credit ratings, security call provisions, and tax loss harvesting opportunities (to the extent that the manager is provided with cost basis information). On an ongoing basis, Briggs will answer clients’ inquiries regarding their accounts and review periodically with clients the performance of their accounts. Briggs will periodically request, at least annually, to meet with each client to review the clients’ investment policy, risk profile and discuss the re- balancing of each client's accounts to the extent appropriate. Briggs will provide any updated client financial information or account restrictions to third-party investment managers necessary for the investment manager to provide sub-advisory services. In addition to managing the client’s investment portfolio, Briggs may consult with clients on various financial planning areas including income and estate tax planning, college financial planning, retirement planning, insurance and

risk management analysis, personal cash flow analysis, investment analysis, establishment and design of retirement plans and trust designs, among other things. Briggs does not participate in or sponsor any wrap fee programs. Retirement Plan Services: Briggs also provides advisory services to participant-directed retirement plans through third-party administration services, which are online bundled service providers offering an opportunity for plan sponsors to provide their participants with daily account access, valuation, and investment education. Briggs will analyze the plan's current investment platform, and assist the plan in creating an investment policy statement defining the types of investments to be offered and the restrictions that may be imposed. Briggs will recommend investment options to help achieve the plan's objectives, provide participant education meetings, and monitor the performance of the plan's investment vehicles. Briggs will recommend changes in the plan's investment vehicles as may be appropriate from time to time. Briggs generally will review the plan's investment vehicles and investment policy as necessary. For certain retirement plans, Briggs also works in coordination and support with Buckingham Strategic Partners, LLC. Retirement plan clients will engage both Briggs and Buckingham Strategic Partners, LLC. Buckingham Strategic Partners, LLC will provide to the client additional discretionary investment management services and will exercise discretionary authority to select the plan investments made available to the plans’ participants by selecting and maintain the plans’ investments according to the goals and investment objectives of the plan. Briggs will continue to work with plans to monitor plan investments, provide fiduciary plan advice including regular considerations of the goals and objectives of the plan, and provide participant education services to the plan. Financial Planning Services: Briggs also provides advice in the form of Financial Planning. Clients using this service may receive various written financial reports, providing the client with detailed financial information designed to assist the client in achieving their stated financial goals and objectives. In general, the financial plan will address any or all of the following areas of concern based upon the client’s individual goals and objectives:
• Personal: Family records, budgeting, personal liability, estate information and financial goals.
• Education: Education IRAs, state savings plans, grants and general assistance in preparing to meet dependent’s continuing educational needs through development of an education plan.
• Risk: Review of existing insurance policies to ensure proper coverage for life, disability and long- term care.
• Tax & Cash Flow: Income tax and spending analysis and planning for past, current and future years.
• Death & Disability: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis.
• Retirement: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals.
• Investments: Analysis of current and alternative investment holdings and costs, examining the potential long-term effects on a client’s portfolio, recommending appropriate investment options, allocations, or adjustments. Briggs gathers required information through in-depth personal interviews. Information gathered includes a client’s current financial status, future goals and attitudes towards risk. Related documents supplied by the client are carefully reviewed and a written report may be prepared. Should a client choose to implement the recommendations in the plan, Briggs will work closely with the client and his/her attorney, accountant and/or other professional service advisors to help ensure the plan recommendations are implemented as designed. Implementation of financial plan recommendations is entirely at the client’s discretion. Clients are encouraged to review their plan on a regular basis, especially if there are any changes in their financial situation, goals, need, or investment objectives. Special Situations: From time to time, Briggs may be engaged to provide assistance or consulting in areas, such as, but not limited to, estate administration, divorce settlement, and debt management.