Advisory Business FIRM INFORMATION Trail Ridge Investment Advisors, LLC (“TRIA,” “we,” “us,” “our”), a limited liability company, became a registered investment advisory firm in 2016. PRINCIPAL OWNERS TRIA is owned and controlled by Trail Ridge Wealth Management, Inc. David Chadwick Jones, Jef- frey B. Kadavy, Mark K. Kerwood, Peter B. Loritz, and Jacqueline C. Zipser own and control Trail Ridge Wealth Management, Inc. Jeffrey B. Kadavy services as the Chief Compliance Officer of TRIA. INVESTMENT ADVISORY SERVICES Portfolio Management TRIA offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. TRIA creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client's specific situation. Portfolio management services include, but are not limited to, the following: • Determine investment strategy • Tailor a personal investment policy • Asset allocation • Asset selection • Assessment of risk tolerance • Regular portfolio monitoring TRIA evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. TRIA will require discretionary authority from portfolio management clients in order to select securities and execute transactions without permission from the client prior to each transaction. However, TRIA may present private investment opportunities to clients who are self-described “accredited investors.” In such cases, clients will determine whether to invest, how much to invest and from which account(s) they will invest. TRIA seeks to make investment decisions in accordance with the fiduciary duties owed to its ac- counts and without consideration of TRIA’s economic, investment, or other financial interests. To meet its fiduciary obligations, TRIA attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, TRIA’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 TRIA’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent, includ- ing 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. 5 Financial Planning We provide various financial planning services that help you understand your overall financial situation and help you set financial objectives. We accomplish this by helping you review your financial goals, tax planning strategies, asset allocation, risk management, retirement planning, and other areas and objectives. We provide our financial planning services on either an hourly basis or through an ongoing financial advice subscription. Generally, financial planning provided on an hourly basis will include preparing a comprehensive written financial plan. Ongoing financial advice subscriptions, however, do not necessarily include preparation of a comprehensive written financial plan but rather include “on-call advice,” where an advisor answers a client’s financial questions as they arise on an ongoing basis. SERVICES LIMITED TO SPECIFIC TYPES OF INVESTMENTS TRIA generally limits its investment advice to mutual funds, fixed income securities, exchange- traded REITs, insurance products, including annuities, equities, ETFs (including ETFs in the digital assets, commodities, and precious metal sectors), treasury inflation protected/inflation-linked bonds, and non-U.S. securities. TRIA will provide investment advice regarding exchange-traded REITs and annuities; it may invest in exchange-traded REITs for client portfolios but will not invest in annuities. Other securities may also be used to help diversify a portfolio when applicable. TRIA will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements, as well as a plan that will be executed by TRIA on behalf of the client. TRIA may use “model allocations” together with a specific set of recom- mendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs, which restrictions will be documented in the Investment Policy Statement. How- ever, if the restrictions prevent TRIA from properly servicing the client account, or if the re- strictions would require TRIA to deviate from its standard suite of services, TRIA reserves the right to end the relationship. WRAP FEE PROGRAMS TRIA does not participate in or offer wrap fee programs. ASSETS UNDER MANAGEMENT As of December 31, 2023, TRIA managed $244,919,838 on a discretionary basis and $5,007,711 on a non-discretionary basis.