iv B. Compensation to Non – Advisory Personnel for Client Referrals ............................................................................................................... 19 Item 15: Custody ............................................................................................................................................................................................ 19 Item 16: Investment Discretion ........................................................................................................................................................................ 20 Item 17: Voting Client Securities (Proxy Voting) ............................................................................................................................................ 20 Item 18: Financial Information ........................................................................................................................................................................ 20 A. Balance Sheet ............................................................................................................................................................................................. 20 B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients ................................................... 21 C. Bankruptcy Petitions in Previous Ten Years ................................................................................................................................................ 21 Item 19: Requirements For State Registered Advisers ..................................................................................................................................... 21 A. Principal Executive Officers and Management Persons; Their Formal Education and Business Background .............................................. 21 B. Other Businesses in Which This Advisory Firm or its Personnel are Engaged and Time Spent on Those (If Any) ...................................... 21 C. How Performance-based Fees are Calculated and Degree of Risk to Clients ............................................................................................... 21 D. Material Disciplinary Disclosures for Management Persons of this Firm ..................................................................................................... 21 E. Material Relationships That Management Persons Have With Issuers of Securities (If Any) ....................................................................... 22 Zimmermann Investment Management & Planning LLC (hereinafter “ZIM”) is a Limited Liability Company organized in the State of Pennsylvania. The firm was formed in May 2018, and the principal owner is Curt H Zimmermann. Portfolio Management Services ZIM offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. ZIM creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels). Portfolio management services include, but are not limited to, the following:
• Investment strategy • Personal investment policy
• Asset allocation • Asset selection
• Risk tolerance • Regular portfolio monitoring ZIM evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. ZIM will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. ZIM seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of ZIM’s economic, investment or other financial interests. To meet its fiduciary obligations, ZIM attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, ZIM’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is ZIM’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent, including initial public offerings ("IPOs") and other investment opportunities that might have a limited supply, among its clients on a fair and equitable basis over time. Pension Consulting Services ZIM offers

consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: A. Description of the Advisory Firm B. Types of Advisory ServicesA. Description of the Advisory Firm B. Types of Advisory Services C. Client Tailored Services and Client Imposed RestrictionsB. Types of Advisory Services A. Description of the Advisory FirmItem 4: Advisory Business
• identifying investment objectives and restrictions
• providing guidance on various assets classes and investment options
• recommending money managers to manage plan assets in ways designed to achieve objectives
• monitoring performance of money managers and investment options and making recommendations for changes
• recommending other service providers, such as custodians, administrators, and broker-dealers
• creating a written pension consulting plan These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Financial Planning Financial plans and financial planning may include but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Services Limited to Specific Types of Investments ZIM generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), structured products (for suitable clients), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors) and non-U.S. securities. ZIM may use other securities as well to help diversify a portfolio when applicable. ZIM offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent ZIM from properly servicing the client account, or if the restrictions would require ZIM to deviate from its standard suite of services, ZIM reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. ZIM does not participate in wrap fee programs. C. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee ProgramsC. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee Programs E. Assets Under ManagementD. Wrap Fee Programs ZIM has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 287,356,231.00 $ 18,281,968.00 December 2022 Portfolio Management Fees Total Assets Under Management Annual Fees All Assets 1.00% The advisory fee is calculated using the value of the assets in the Account on the last business day of the prior billing period. These fees are generally negotiable, and the final fee schedule will be memorialized in the client’s advisory agreement. Clients may terminate the agreement without penalty for a full refund of ZIM's fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract generally with 14 days' written notice. Pension Consulting Services Fees Asset-Based Fees for Pension Consulting Total Assets Under Management Annual Fee All Assets 0.50% - 1.00% The advisory fee is calculated using the value of the assets on the last business day of the prior billing period. These fees are generally negotiable and depend on the level of service chosen by the client. The final fee schedule will be memorialized in the client’s advisory agreement. Clients may terminate the agreement without penalty for a full refund of ZIM's fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the pension consulting agreement generally with 14 days' written notice. ZIM bills based on the balance on the first day of the billing period E. Assets Under Management