5 Assets Under Management as of 04/30/2023: Total Discretionary AUM- $146373546 Total Non-Discretionary AUM- $105461245 FINANCIAL PLANNING SERVICES: We also provide advice in the form of a Financial Plan. If you purchase this service, you will receive a written report, providing a detailed financial plan designed to achieve your stated goals and objectives. We will also provide you the opportunity to be active in the plan preparation by providing information we need. Our Financial Plans will address any or all of the following areas of concern:
• Personal: Family records, budgeting, personal liability, estate information and financial goals.
• Tax & Cash Flow: Income tax and spending analysis and planning for past, current, and future years. We will illustrate the impact of various investments on your 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 your current strategies and investment plans to help you achieve your retirement goals.
• Investments: Analysis of investment alternatives and their effect on your portfolio. We gather the required information through in-depth personal interviews. Information gathered includes a current financial status, future goals, and attitudes towards risk. Related documents supplied by you and a completed questionnaire are carefully reviewed and a written report is prepared. Implementation of the prepared plan or recommendations is solely at your discretion, and you will also determine how you want to implement the plan or recommendations. We encourage you to utilize any desired professional or group of professionals to assist in the implementation. THIRD PARTY INVESTMENT ADVISER SELECTION SERVICES: We may recommend that you utilize the services of a Third-Party Investment Adviser (“TPA”) to manage your portfolio. We would recommend to you a TPA whose investment style is believed to be consistent with your financial needs, investment goals, tolerance for risk and stated investment objectives. Upon selection of a TPA, we will monitor the performance of the TPA to ensure their performance and investment style remains aligned with the investment goals and objectives, the TPA is granted discretionary authority by you to manage and invest your assets. Clients who are referred to TPA’s will receive full disclosure, including services rendered and fee schedules at the time of the referral by delivery of a copy of the relevant TPA’s brochure or equivalent disclosure document. We have entered into agreements with various TPA’s including but not limited to Green Investment Management, Inc., First Clearing Corporation, LLC, TD Ameritrade, ICON Distributors, Assetmark, Inc., Genworth Financial Wealth Management, Loring Ward, SEI Investments, BTS Asset Management, Inc. and First Mercantile. Currently, the only TPA that we are using is Green Investment Management, Inc. The Manager of the TPA may impose a minimum dollar amount of initial client assets for the investment advisory services as disclosed in the management agreement. These minimums may be waived at the Manager's discretion. You will be provided the appropriate Manager's disclosure statement, in addition to the Manager's ADV Part II and privacy policy, prior to placing

the assets with the Manager. CONSULTING SERVICES: You 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, or any other specific topic. We provide specific consultation services regarding your current or projected financial position or other investment and financial concerns that you may have. Assets Under Management- Portfolio Management Program Fee Schedule: Assets Under Management Annualized Fee $ 0 to $ 250,000 3.00% $250,001 to $ 500,000 2.00% $500,001 to $1,000,000 1.00% Over $1,000,000 Negotiable The above- listed fees may be in excess of the industry norm. Similar advisory services may be obtained for less. We have a minimum managed account size of $10,000; however, our account minimums and fees charged are negotiable. Portfolio Management fees will be billed in one of two ways: (1) Fees will be directly deducted from your account at the custodian quarterly in advance from your accounts within thirty (30) days following the end of the quarter. We will send the qualified custodian written notice of the amount of the fee to be deducted from your account. We and/or the custodian shall provide written notice/invoice documentation reasonably supporting the determination of the investment advisor fees. The Custodian will send to you a quarterly Account statement that shows the amount of our advisory fee, the value of your assets upon which the fee was based, and the specific manner in which the fee was calculated. We will verify that the Custodian sends Account statements on a quarterly basis. You should compare invoices for advisory fees to the corresponding custodian statement. Statements should be received from the custodian no less than quarterly. If statements are not received, contact us immediately. (2) Fees will be directly invoiced on a quarterly basis within (30) days following the end of the quarter. Our fees are based on the percentages listed in the Fee Schedule on ending account market values based on the calendar quarter custodial statement. Fees for the initial quarter will be adjusted pro-rata based upon the number of calendar days in the calendar quarter that the Agreement goes into effect. Fees are calculated by multiplying the assets under management market value by the relevant percent and dividing such product by four (4). Accounts opened in mid-quarter will be assessed at a pro-rated management fee. We are not compensated on the basis of a share of either capital gains or capital appreciation, or any portion of the portfolio. Either party may terminate the Portfolio Management Agreement at any time and for any reason, upon thirty (30) days written notice to the other party. Upon notice of termination, we will await further instructions from you as to what steps you request to liquidate and/or transfer the portfolio and remit the proceeds. Upon instructions received, we will instruct broker dealers, mutual fund sponsors, and others to liquidate and/or transfer the portfolio and remit proceeds back to you or a designated third party. A refund of our unearned Portfolio Management Fee will be made on a prorated basis from the time of termination. No proration for breakpoints is achieved during the quarter. Breakpoints are applied when billing occurs in the next quarter.