Firm Description and Owners Luesink Financial Planning LLC (LFP) was established in 2008. In June of 2014, Clare Stenstrom joined the firm and the name was changed to Luesink Stenstrom Financial (LSF). The principal owners are Anja Luesink and Clare Stenstrom. LSF provides holistic financial life planning, financial transition planning and investment management services, customized to meet the client's needs. Types of Advisory Services Financial Planning Luesink Stenstrom Financial prepares a holistic financial plan for each client, ‘holistic’ meaning that the analysis takes into consideration multiple financial concerns together at the same time instead of looking at the parts individually. These include cash flow analysis, retirement planning, insurance, tax planning, college planning, estate planning and investment analysis and recommendations on all or parts of these depending on the client’s wishes. The financial plan is a strategy for accomplishing the client’s goals that is implemented and monitored overtime. The scope and nature of service to be provided are the areas that follow: 1 A thoughtful discovery process to understand your goals around which we build the financial plan. 2. Review and evaluation We will review and analyze financial information furnished to us in the Confidential Financial Planning Questionnaire, your on-line Financial Profile and documents provided. 3 Written plan Based on our review, we will prepare an analysis. We will also prepare, in writing, specific recommendations that will seek to address your concerns. Our recommendations will include general strategies based on our analysis of your circumstances. Where appropriate, we will include financial illustrations and projections for greater understanding of the potential outcomes of the alternatives. 4. Implementation We can assist you in implementing strategies that we have agreed upon. We can assist you investing your money or provide ongoing asset management. We work closely together with your other advisors to make sure that we are providing the highest level of coordinated, professional advice to you. We will be available on an ongoing basis, by telephone or in person, to answer questions, to assist you or your other advisers to take the necessary actions, and to make recommendations regarding these matters. We will bill separately for any such additional services provided, based upon time expended at our standard hourly rates or we will charge a retainer fee to be decided after plan presentation. Alternatively you may choose to do the implementation of our recommendations yourself. Wealth Management Luesink Stenstrom Financial manages assets and provides on-going wealth management services. Investment Advisory Services In general, LSF requires individual clients to have their assets managed by the company to establish a relationship, but in individual cases the principals of the firm can decide to work with a client that only wants Financial Life Planning or Financial Transition Planning engagements. LSF advises clients on existing portfolios in the context of their overall financial situation and goals. LSF analyzes whether this portfolio is suitable in view of the client’s risk tolerance, time horizon and to achieve the client’s goals and recommends changes if necessary. LSF will manage the client’s assets on a discretionary basis in accordance with the client’s investment objectives. “Discretionary basis” means that LSF in its capacity as an investment manager will from time to time invest and reinvest and make trading decisions in complete discretion without consulting our client(s). The client will

sign a limited Power of Attorney to give this authority to LSF; LSF will not be able to transfer any money out of the account, unless the client approves or directs in writing. The authorization for payment of management fees from the account(s) is included in the investment advisory contract. LSF may invest client’s assets in a variety of asset classes, including mutual funds, equities, fixed income or other securities. LSF may also invest client’s assets through the use of sub advisors. Despite having assets managed on a discretionary basis, clients may place reasonable restrictions on the management of their assets. LSF does not offer, sponsor, or participate in a wrap program. As of December 31, 2023 LSF manages approximately $70,490,669 on a discretionary basis, and currently is not managing assets on a non- discretionary basis. Ongoing Wealth Management Services These further include:
• Ongoing asset and investment management: trading, monitoring, rebalancing and tax management
• On-going financial planning services with updates of the financial plan
• LSF assists with the implementation tasks such as buying insurance, working with attorneys, insurance agents and accountants to make sure that all understand the ‘master plan’ and are working together
• Annual goal tracking and update
• Cash flow planning
• Regular tax planning to optimize your current and future tax situation
• Regular review of your estate plan and beneficiary designations
• Yearly update of insurance needs
• Major expense planning –major purchases, business planning
• Long-range and lifestyle planning Transition Planning When life changes, money changes, and when money changes life changes. ™ Sudden change in your financial situation can be a life-altering event. Some of these events are planned for, such as retirement, the sale of a business or an anticipated inheritance. Other types of events many come out of the blue – like winning the lottery, divorce or the death of a spouse. These life transition events vary widely, some joyous and others very sad. No matter the reason or the event, you now face a major change in your life. Obviously transition means change. When life changes, money changes, and when money changes life changes. But the most important part of managing change isn’t the money. People in transition may gravitate toward the money—the numbers—because they are concrete and easily definable. But in most instances, the numbers are farther down the priority list than people think. Transition Planning recognizes that there are two sides to money: the personal side and the technical side. The tendency for many people when facing a transition is to try to move quickly from the ending of one situation to what we call the New Normal. That would be nice, but it is a misconception to believe that life works in that way. There are distinct stages in most transitions from ‘a life that was’ to ‘what will be’. In the Passage there is a lot of confusion and stress and if pressed to make quick decisions this may lead to regrettable decisions. While in a transition, the focus needs to be on the personal side. Our approach recognizes that. We will focus specifically on the communication preferences of each client to build a pathway through the personal and technical issues that present themselves. This usually takes several meetings to cover transition orientation, discovery, organization and protocol development. We will act as a Thinking Partner to help clients successfully navigate their own personal journey and make the right decisions at the right time.