A. Description of the Advisory Firm One Day In July LLC (hereinafter, “ODIJ”) is a limited liability company, an SEC-registered investment advisor. Registration does not imply a certain level of skill or monitoring. The firm was formed in May of 2016, and the principal owner is Daniel Cunningham. Jayne Bills serves as the firm’s Chief Compliance Officer. B. Types of Advisory Services Investment Advisory Services to Individuals, High Net Worth Individuals, Charitable Organizations, Corporations or Business Entities, Municipal Government Entities, and Pension Plans ODIJ offers ongoing discretionary investment advisory services based on the individual goals, objectives, time horizon, and risk tolerance of each client. ODIJ obtains a completed Investment Suitability Questionnaire from each client which outlines the client’s current situation (income, risk tolerance, and investment knowledge). ODIJ also gathers information regarding the client’s current employment status, as it is important for assessing investment suitability. ODIJ then constructs a plan to aid in the selection of a portfolio that matches each client's specific situation and goals. The initial plan ODIJ constructs for a client may change over time at ODIJ’s discretion. In general, though not always, significant changes to a portfolio will be discussed with the client prior to alteration. Portfolio management services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Annual portfolio review
• Environmental investing ODIJ evaluates the current investments of each client with respect to their risk tolerance levels, goals, and time horizon. ODIJ assists clients to meet personal financial goals such as saving for retirement and paying for higher education. ODIJ also offers its clients an environmental investing service. This service focuses on environmental and low-carbon investments, which are made in business enterprises that have a low carbon footprint or do not traffic in the sale of products that involve carbon, such as oil or coal. Investments are generally, though not always, made in environmentally-focused exchange- traded funds (ETFs). To determine whether an investment is environmentally-focused, ODIJ uses metrics based upon carbon intensity and fossil fuel reserves. Using these metrics, ODIJ selects a core equity portfolio for the client. Clients may also elect to include one or several “impact portfolio” positions consisting of funds or ETFs that are primarily environmentally- focused but may cost more and experience more volatility than the client’s core equity portfolio. For further information regarding the metrics of environmental investing and the impact portfolio, please see Item 8.A. of this brochure under the heading, Investment Strategies. The terms of the Advisory Fee (as defined in Item 5.A. of this brochure) applicable to ODIJ’s environmental investing service are identical to such terms for the firm’s other investment advisory services. At the outset of its engagement, ODIJ 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 Suitability Questionnaire. ODIJ seeks to ensure that investment decisions are made in accordance with the fiduciary duties owed to its clients and without consideration of ODIJ’s economic, investment, or other financial interests. To meet its fiduciary obligations, ODIJ attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, ODIJ’s policy is to seek fair and equitable allocation of investment opportunities and transactions among its clients to avoid favoring one client over another over time. It is ODIJ’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. ODIJ does not provide trust administration services to its clients. Notwithstanding ODIJ accepts discretionary authority over Accounts titled in the name of an estate planning trust, ODIJ will not accept or exercise any authority over the administration of any trust, nor will ODIJ engage in the interpretation or construction of any trust instrument. Financial Planning Services ODIJ representatives provide certain limited financial planning advice to clients in the course of providing investment advisory services, to the extent that clients request such advice. In such cases, clients receive planning attention focused on their specific financial and savings goals within the context of their individual or family circumstances. Often, though not always, the objectives will include maximizing savings and providing cash flow to investments. Other areas of focus may include, without limitation, evaluating client resources, identifying financial time horizons and tolerance for risk, review and consideration of issues such as needed cash flow, major purchase decisions, college planning, retirement planning, business exit planning, estate planning considerations, longevity and elder care considerations, charitable gift planning, and the tax consequences of certain financial decisions. ODIJ provides implementation strategies to accomplish these objectives. ODIJ does not charge an additional fee for providing financial planning services nor does ODIJ provide these services under a separate contract. If ODIJ provides any financial planning services, they are included within the scope of services provided under the investment advisory contract and the cost is included within the Advisory Fee. ODIJ recommends that its clients regularly consult with their tax, accounting, estate planning and insurance advisors prior to and throughout their engagement of ODIJ with respect to both financial planning strategies and investment of their assets. From time to time, ODIJ refers complex financial planning cases to an unaffiliated third-party financial planner, tax planner or other unaffiliated third-party professionals (“Third-Party Professionals”) to assist clients with recommendations, advice, financial planning strategies (including tax return preparation, household payment administration and bill payment), and other services not directly related to ODIJ’s services. ODIJ does not receive any compensation for these referrals. Unless otherwise indicated by ODIJ in writing, ODIJ does not undertake to, nor does it, perform specific due diligence regarding Third-Party Professionals and such referrals do not constitute endorsements by ODIJ of the Third-Party Professional or their services. Referrals to Third-Party Professionals are made as an accommodation. ODIJ is not acting in a fiduciary capacity when providing referrals to Third-Party Professionals. Services provided by Third-Party Professionals are distinct from those provided by ODIJ and typically involve additional terms of service. In instances where ODIJ maintains a business relationship with a Third-Party Professional, such relationship should not influence the referral or the service received by the Third-Party Professional. Services Provided to Custodian-Linked and Held-Away Accounts Clients have the option to engage ODIJ to provide investment advisory services to either Custodian-Linked or Held-Away Accounts, or both. A “Custodian-Linked Account” is an account under management with ODIJ (“Account”) that is linked to ODIJ through a qualified custodian, such as Charles Schwab or Altruist, for purposes of executing trades in connection with ODIJ’s investment advisory services. A “Held-Away Account” is an Account held by a custodian that is not linked to ODIJ through a qualified custodian for purposes of providing investment advisory services. Held-Away Accounts can include, without limitation, 403(b), 401(a), employer-sponsored and solo 401(k), 457, SIMPLE IRA, SEP-IRA, and 529 Accounts. It should be noted that 529 Accounts may be Custodian-Linked or Held-Away, depending upon whether the Accounts are held by a custodian linked to ODIJ. When clients engage ODIJ to manage Custodian-Linked Accounts, ODIJ will have automatic access to those Accounts for purposes of making trades within, and (except with respect to 529 Accounts) deducting the Advisory Fee from, those Accounts. When clients engage ODIJ to provide services to Held- Away Accounts, clients must grant authorization to ODIJ to access those Accounts through a platform maintained by a third-party service provider for the purpose of reviewing Accounts and allocating investments, making securities trades, and performing associated recordkeeping, from the Held-Away Accounts. ODIJ will not accept a client’s login credentials to access their Held-Away Accounts. Once a client grants ODIJ authorization to access Held-Away Accounts, ODIJ will not seek additional consents from the client to effect individual trades. Clients who grant access to ODIJ to Held-Away Accounts do not do so for purposes of deducting any portion of the Advisory Fee (defined herein) nor the Plan Fee (defined herein). Neither the Advisory Fee nor the Plan Fee (together, the “Fees”) are deducted from Held-Away Accounts or from 529 Accounts (regardless of whether they are Custodian-Linked or Held-Away Accounts). Please see Item 5.B. and Item 15 of this brochure for additional information regarding the payment of the Advisory Fee allocable to Held-Away Accounts and 529 Accounts, as well as Advisory Fee deduction from Custodian-Linked Accounts other than 529 Accounts. No Investment Management Advice without Agreement Unless otherwise specifically agreed to by ODIJ, financial planning is not designed to be specific to any particular investment

account(s). When providing a consolidated financial summary of accounts to clients, data included may contain information provided by clients about third-party accounts that ODIJ does not manage or with respect to which ODIJ does not provide investment advice. As such, clients should understand that ODIJ does not serve as the investment advisor on all securities listed in these consolidated financial summaries. ODIJ will not supervise client assets or provide any recommendations as to investments unless granted authority, in writing, to manage the particular assets. Investment advisory services provided to clients are governed by a written investment advisory agreement between ODIJ and each client. Newsletters, Booklets, Lunch-and-Learns, Webinars, and Other Educational Events ODIJ publishes informational newsletters at no additional cost to its clients. The newsletters are circulated electronically to clients via electronic mail approximately every few weeks. ODIJ also publishes a paper booklet at no additional cost to clients that is mailed quarterly via United States Postal Service. ODIJ periodically offers educational Zoom webinars and “Lunch-and Learns” or other educational in-person events to both existing and prospective clients. Such webinars and in-person events are generally offered free of charge. Benefit Plan Consulting ODIJ provides nondiscretionary investment consulting services to employee benefit plans (the “Plans”) including: § Pension or other employee benefit plans (including 401(k) plans) governed by ERISA; and § 403(b) tax-sheltered annuity plans. ODIJ provides such services to the Plans as a section 3(21) limited scope advisor and not a section 3(38) co-fiduciary under the Employee Retirement Income Security Act of 1974 (ERISA). Under this limited scope of service, ODIJ (a) does not accept liability in the event of a participant lawsuit and (b) does not exercise discretion over the selection of investment options. Third-party record-keepers and third-party administrators, and not ODIJ, provide recordkeeping and administration services to the Plans. ODIJ is not responsible for advising Plan participants with respect to any Required Minimum Distributions (RMDs) or for facilitating RMDs from any Plan Accounts. In addition, the Plan sponsor or its designee has final decision-making authority regarding all investment matters. ODIJ will work with representatives of the Plan sponsor to provide the following investment consulting services to the Plan: § Recommending a set of low-fee, diversified investment options for the Plan; determining the course of action to take on behalf of the Plan with respect to the Plan’s investments; and § Providing limited education and enrollment assistance to Plan participants (specific and individualized investment advice is not provided to Plan participants unless they enter into a separate contract with ODIJ). ODIJ may present Plan clients with mutual fund model asset allocation portfolios. Each model portfolio is designed to meet a particular investment goal, such as allocations tailored to the retirement of a hypothetical Plan participant by a specific date. Plan clients are not obligated to select from any model asset allocation portfolio offered by ODIJ. Under the investment consulting agreement between the Plan and ODIJ, we do not have discretionary authority or control over the Plan assets nor discretionary authority or control over administration of the Plan. Advice is provided to the Plan in the form of recommendations to the trustees. Our role is to serve as a consultant to the Plan. The consulting services provided are limited to those assets identified on the executed investment consulting agreement between the Plan and ODIJ. ODIJ also provides discretionary investment advisory services to Plan participants that enter into a contract with ODIJ. Details regarding these services can be found above under the heading, Portfolio Management Services to Individuals, High Net Worth Individuals, Charitable Organizations, Corporations or Business Entities, Municipal Government Entities, and Pension Plans. Types of Investments ODIJ generally limits its investment advice to exchange-traded funds (ETFs), corporate bond or treasury bond ETFs, mutual funds, fixed income securities, equity securities, real estate funds (including REITs), individual treasury bonds and treasury inflation protected/inflation-linked bonds, corporate bonds, commodities, or non-U.S. securities. ODIJ primarily recommends a blend of index funds across asset classes to a majority of its clients but may use other securities as well to help diversify a portfolio when applicable. Due to the fact that some representatives of ODIJ operate independently, investment advice provided by representatives may vary from ODIJ’s general investment principles. Funds and investments are carefully selected based upon their costs, tracking error to benchmarks, tax implications, breadth of the securities within the fund, assets under management, and (where clients have selected ODIJ’s environmental investing strategy) the carbon footprint of the business enterprise underlying the investment. For further information regarding the selection of environmental investments, please refer to Item 4.B. of this brochure under the heading Types of Advisory Services. While ODIJ generally recommends passively- managed, low-cost ETFs or mutual funds, during the period when a non-Plan client transitions his or her Account(s) to ODIJ, and potentially thereafter, his or her Account(s) may contain non- index fund holdings such as individual stocks, bonds, mutual funds not defined as an index fund, annuities, or other investments. This may be due to the client’s preference, taxable gain avoidance, or other reasons such as (with respect to annuities) the inability to trade due to custodian-imposed restrictions. Investments are made subject to the objectives of the client. Within the context of a client’s investment plan, his or her portfolio will be periodically rebalanced to asset class allocation targets, including any contributions and withdrawals. Due to variances in market conditions, asset allocation guidelines are not necessarily strictly followed. Between rebalance points, cash may accrue in a client’s Account(s) as a result of dividends and interest paid or new asset contributions to the Account(s). Such cash may reside in cash until the next rebalance. C. Client Tailored Services and Client Imposed Restrictions ODIJ will tailor a program for each individual client. With respect to Plan clients, ODIJ will work with Plan trustees or other representatives of the Plan to recommend a set of low-fee, diversified investment options for the Plans. Ultimately, the Plan’s trustees or other representatives will decide whether to accept or modify the set of investment options ODIJ recommends. With respect to non-Plan clients, ODIJ will conduct an interview session to get to know the client’s specific needs and requirements and develop an initial investment plan that will be executed by ODIJ on behalf of the client. Each customized investment plan will consider the client’s personal restrictions, needs, and targets. ODIJ manages portfolios in the context of each client's financial and other objectives, risk tolerances, and cash flow needs. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs. Portfolios do not follow investment plans exactly. Rather, they are structured using the investment plans as benchmarks and may be modified as clients’ needs or objectives change over time. Investment plans may also change over time as a result of discussions between ODIJ and the client without completion of an updated written investment plan or Investment Suitability Questionnaire. In the course of providing services to clients who are at or nearing retirement age or clients with Inherited Individual Retirement Accounts (IRAs), ODIJ advises clients regarding required minimum distributions (“RMDs”) from their tax-qualified retirement Accounts. Any advice that ODIJ provides with respect to RMDs is only applicable with respect to IRAs, 401(k), 403(b), 401(a), 457, or other qualified Accounts that are under management with ODIJ and only for the year or years that they are under management with ODIJ. ODIJ does not have access to information about accounts not under management, or to information about Accounts that are currently under management relating to years or periods before or after they were under management with ODIJ. Clients are urged to speak to their legal and tax advisors about RMDs from qualified accounts not under management with ODIJ and about RMDs required during any periods that any Accounts were not under management with ODIJ. Where ODIJ provides advice regarding RMDs from Account(s) that were under management for only a portion of a given year, ODIJ must rely upon the client to provide information regarding the Account(s) for the portion of the year that the Account(s) were not under management. ODIJ is not responsible for RMD calculations based upon inaccurate or insufficient information provided by the client. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. ODIJ does not participate in any wrap fee programs. E. Assets under Management ODIJ has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Calculated as of: $ 777,524,130 $ 20,145,027 12/31/23 ODIJ’s non-discretionary assets under management include assets of the Plans for which ODIJ serves solely as a consultant and does not have discretionary authority or the ability to execute trades or make any other changes directly within the Plan Accounts.