Main Street Financial Solutions (or the “Firm”) offers a variety of advisory services, which include financial planning, consultation services, and investment management services. Prior to Main Street Financial Solutions rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Main Street Financial Solutions setting forth the relevant terms and conditions of the advisory or consulting relationship. Main Street Financial Solutions was originally formed in New Jersey in June 2002 and, in January 2018, was domiciled in Pennsylvania. The Firm is principally owned by Brett Danko. The Firm was originally registered as an investment adviser in 2009. As of December 31, 2023, Main Street Financial Solutions had $1,770,646,602 in regulatory assets under management, $1,738,108,010 of which was managed on a discretionary basis and $32,538,592 of which was managed on a non-discretionary basis. While this brochure generally describes the business of Main Street Financial Solutions, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors, financial professional (or other persons occupying a similar status or performing similar functions), employees or any other person who provides investment advice on Main Street Financial Solutions’ behalf and is subject to the Firm’s supervision or control. Financial Planning Main Street Financial Solutions offers clients a broad range of financial planning and consultation services, which may include a review of goals and objectives, analysis and recommendations for cash flow planning, asset allocation/investment planning, income tax planning, insurance planning, estate planning, retirement planning, education planning, stock option planning, and real estate/mortgage planning. Main Street Financial Solutions does not, however, furnish legal or tax advice. Investors requiring legal or tax advice are encouraged to consult their legal or tax professional in these matters. Prior to engaging Main Street Financial Solutions to provide any of these services, the prospective investor is required to enter into a advisory agreement with the Firm setting forth the terms and conditions of the client engagement and describing which specific financial planning and consultation services will be provided. In performing these services, Main Street Financial Solutions is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.) and is expressly authorized to rely on such information. Main Street Financial Solutions recommends certain clients engage the Firm for additional related services, its Supervised Persons in their individual capacities as insurance agents or registered representatives of a broker-dealer and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage Main Street Financial Solutions or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Page | 5 © Main Street Financial Solutions, LLC 2024 Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Main Street Financial Solutions under a financial planning engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Main Street Financial Solutions’ recommendations and/or services. Investment and Wealth Management Services Main Street Financial Solutions manages client investment portfolios on a discretionary or non- discretionary basis. Main Street Financial Solutions primarily allocates client assets among various mutual funds, exchange- traded products, including exchange-traded funds (“ETFs”) and exchanged-traded notes (“ETNs”), individual debt and equity securities, options and independent investment managers (“Independent Managers”) in accordance with their stated investment objectives. Clients can engage Main Street Financial Solutions to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as life insurance, annuity contracts and assets held in employer sponsored retirement plans or qualified tuition plans (e.g., 529 plans). In these situations, Main Street Financial Solutions directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Main Street Financial Solutions tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios

are managed in a manner consistent with those needs and objectives. Main Street Financial Solutions consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify Main Street Financial Solutions if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if Main Street Financial Solutions determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Use of Independent Managers As mentioned above, Main Street Financial Solutions selects certain Independent Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages an Independent Manager may be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure, clients may also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. Page | 6 © Main Street Financial Solutions, LLC 2024 Main Street Financial Solutions evaluates a variety of information about Independent Managers, which includes the Independent Managers’ public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, the Firm seeks to assess the Independent Managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. Main Street Financial Solutions also takes into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. Main Street Financial Solutions continues to provide services relative to the discretionary or non- discretionary selection of the Independent Managers. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers. Main Street Financial Solutions seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Retirement Plan Consulting Services Main Street Financial Solutions provides various consulting services to qualified employee benefit or defined contribution plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and includes any or all of the following services:
• Plan Design and Strategy
• Plan Review and Evaluation
• Executive Planning & Benefits
• Investment Selection
• Plan Fee and Cost Analysis
• Plan Committee Consultation
• Fiduciary and Compliance
• Participant Education As disclosed in the advisory agreement, certain of the foregoing services are provided by Main Street Financial Solutions as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), each plan sponsor may require an additional contractual agreement that includes a written description of Main Street Financial Solutions’ fiduciary status, the specific services to be rendered and all direct and indirect compensation the Firm reasonably expects under the engagement. Alternative Investments The Firm works with CAIS Capital, LLC and Capital Integration Systems LLC (collectively “CAIS”) and Institutional Capital Network, Inc. (“iCapital”) and has granted Advisory Representatives access to their alternative investment platforms. CAIS, iCapital and their affiliates conduct the initial and on-going due diligence (investment and operational) on private equity and hedge fund offerings available on their platforms. The Firm relies on the due diligence provided by CAIS and iCapital related to the offerings Page | 7 © Main Street Financial Solutions, LLC 2024 available on their platforms. Please note that with privately held alternatives valuations can lag a month or more and are received from the issuer’s or offerings’ third-party administrator. The fee billing calculation uses this data to calculate the Program Fee (as defined below in Item 5 Fees and Compensation). Please refer to Item 5 Fees and Compensation for additional information on fee calculation. The Firm will allow a fee to be charged on an Alternative Investment (Regulation D product) position in an advisory account with a proper Client Agreement on file. The position cannot be one where a commission and a fee is charged.