A. CONSOLIDATED FINANCIAL MANAGEMENT GROUP, LLC (“CFMG”) was founded in September of 1998. The principal owners are: - James Mark Curry, CFP™ -Eddie Bell, CFP™ -Andy Roseberry MFE -Andy Bell, CFP™ -The Wiseman Agency B. INVESTMENT SERVICES. CFMG offers a combination of the following advisory services, where appropriate, to individuals, pension and profit sharing plans, trusts, estates, private funds or charitable organizations and corporations or other business entities: PORTFOLIO MANAGEMENT: CFMG provides continuous advice to a client regarding investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client’s particular circumstances are established, CFMG develops a client’s personal investment policy and creates and manages a portfolio based on that policy. CFMG will manage advisory accounts on a discretionary or non- discretionary basis. Account supervision is guided by the stated objectives of the client (i.e., maximum capital appreciation, growth, income, or growth and income). CFMG will create a portfolio consisting of one or all of the following: individual equities, bonds, other investment products, and mutual funds. CFMG will allocate the client’s assets among various investments taking into consideration the overall management style selected by the client. The mutual funds will be selected on the basis of any or all of the following criteria: the fund’s performance history; the industry sector in which the fund invests; the track record of the fund’s manager; the fund’s investment objectives; the fund’s management style and philosophy; and the fund’s management fee structure. Portfolio weighting between funds and market sectors will be determined by each client’s individual needs and circumstances. Clients will have the opportunity to place reasonable restrictions on the types of investments which will be made on the client’s behalf. Clients will retain individual ownership of all securities. Wrap Fee Program: Institutional Intelligent Portfolios™ CFMG provides portfolio management services through Institutional Intelligent Portfolios, an automated, online investment management platform for use by independent investment advisers and sponsored by Schwab Wealth Investment Advisory, Inc. (the “Program” and “SWIA,” respectively). Through the Program, CFMG offers clients a range of investment strategies we have constructed and manage, each consisting of a portfolio of exchange traded funds (“ETFs”) and a cash allocation. The client may instruct CFMG to exclude up to three ETFs from their portfolio. The client’s portfolio is held in a brokerage account opened by the client at SWIA’s affiliated, Charles Schwab & Co., Inc. (“CS&Co”). CFMG is independent of and not owned by, affiliated with, or sponsored or supervised by SWIA, CS&Co or their affiliates (together, “Schwab”). The Program is described in the Schwab Wealth Investment Advisory, Inc. Institutional Intelligent Portfolios™ Disclosure Brochure (the “Program Disclosure Brochure”), which is delivered to clients by SWIA during the online enrollment process. CFMG, and not Schwab, are the client’s investment adviser and primary point of contact with respect to the Program. CFMG is solely responsible, and Schwab is not responsible, for determining the appropriateness of the Program for the client, choosing a suitable investment strategy and portfolio for the client’s investment needs and goals, and managing that portfolio on an ongoing basis. SWIA’s role is limited to delivering the Program Disclosure Brochure to clients and administering the Program so that it operates as described in the Program Disclosure Brochure. CFMG has contracted with SWIA to provide us with the technology platform and related trading and account management services for the Program. This platform enables us to make the Program available to clients online and includes a system that automates certain key parts of our investment process (the “System”). The System includes an online questionnaire that helps us determine the client’s investment objectives and risk tolerance and select an appropriate investment strategy and portfolio. Clients should note that we will recommend a portfolio via the System in response to the client’s answers to the online questionnaire. The client may then indicate an interest in a portfolio that is one level less or more conservative or aggressive than the recommended portfolio, but we then make the final decision and select a portfolio based on all the information we have about the client. The System also includes an automated investment engine through which we manage the client’s portfolio on an ongoing basis through automatic rebalancing and tax-loss harvesting (if the client is eligible and elects.) We do not receive a portion of a wrap fee for our services to clients through the Program. Clients do not pay fees to SWIA in connection with the Program, but CFMG charges clients a fee for our services as described below under Item 5 Fees and Compensation. Our fees are not set or supervised by Schwab. Clients do not pay brokerage commissions or any other fees to CS&Co as part of the Program. Schwab does receive other revenues in connection with the Program, as described in the Program Disclosure Brochure. CFMG does not pay SWIA fees for its services in the Program. FINANCIAL PLANNING:

CFMG also provides advice in the form of a financial plan. Clients purchasing this service will receive a written report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. In general, the financial plan will address any or all of the following areas of concern: -Personal: Family records, budgeting, personal liability, estate information and financial goals. -Education: Education IRAs, financial aid, state savings plans grants and general assistance in preparing to meet dependent’s continuing educational needs through development of an education plan. -Tax & Cash Flow: Income tax and spending analysis and planning for past, current and future years. CFMG will illustrate the impact of various investments on a client’s current income tax and future tax liability. -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 investment alternatives and their effect on a client’s portfolio. CFMG 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, including a questionnaire completed by the client, and a written report is prepared. Should a client choose to implement the recommendations contained in the plan, CFMG suggests the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client’s discretion. CONSULTING: Clients can also receive investment advice on a more limited basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, reviewing a client’s existing portfolio, or any other specific topic. CFMG also provides specific consultation and administrative services regarding investment and financial concerns of the client. Additionally, CFMG provides advice on non-securities matters. Generally, this is in connection with the rendering of estate planning, insurance, and/or annuity advice. PENSION CONSULTING: CFMG provides several advisory services separately or in combination. While the primary clients for these services will be pension, profit sharing and 401(k) plans, CFMG will also offer these services, where appropriate, to individuals and trusts, estates and charitable organizations. Pension consulting services are comprised of four distinct services. Clients may choose to use any or all of these services. Investment Policy Statement Preparation (hereinafter referred to as ‘‘IPS’’): CFMG will meet with the client (in person or over the telephone) to determine the client’s investment needs and goals. CFMG may prepare a written IPS stating those needs and goals and encompassing a policy under which these goals are to be achieved. The IPS will also list the criteria for selection of investment vehicles and the procedures and timing interval for monitoring of investment performance. Selection of Investment Vehicles and Money Managers: CFMG will review various investments, consisting exclusively of mutual funds (both index and managed) to determine which of these investments are appropriate to implement the client’s IPS. The number of investments to be recommended will be determined by the client, based on the Investment Policy Statement. CFMG may also perform management searches of various independent registered investment advisers on behalf of a client. Based on a client’s IPS, CFMG will determine which independent adviser’s portfolio management is appropriate for that client. The factors considered in making this determination include the amount of assets to be managed, risk tolerance, the opinion of each client and the investment philosophy of the independent adviser. Monitoring of Investment Performance and Performance of Money Managers: Client investments and the independent money managers retained by the client will be monitored continuously based on the procedures and timing intervals delineated in the Investment Policy Statement. Although CFMG will not be involved in any way in the purchase or sale of these investments or the retention of these independent money managers, CFMG will supervise the client’s portfolio and will make recommendations to the client as market factors and the client’s needs dictate. Employee Communications: For pension, profit sharing and 401(k) plan clients wherein there are individual accounts with participants exercising control over assets in their own account (‘‘self-directed plans’’), CFMG also provides quarterly educational support and investment workshops designed for the Plan participants. The nature of the topics to be covered will be determined by CFMG and the client under the guidelines established in ERISA Section 404(c). The educational support and investment workshops will NOT provide Plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. As of 12/31/2023CFMG had Assets Under Management (AUM) of: Discretionary: $171,899,894 Non-Discretionary: $269,310,212 Total: $441,210,106