Atlantic Financial Services, Inc. (hereinafter called “AFS”) is a Registered Investment Adviser based in Towson, Maryland, and incorporated under the laws of the State of Maryland. AFS is wholly owned by Craig G. Fischer. AFS is registered with the SEC and subject to the rules and regulations of the US Advisers Act. Founded in June 1984, AFS provides investment advisory services, which may include, but are not limited to, the review of client investment objectives and goals, recommending asset allocation strategies of managed assets among investment products such as cash, stocks, mutual funds and bonds, annuities, and/or preparing written investment strategies. Our investment advice is tailored to meet our clients’ needs and investment objectives. Clients may impose restrictions on investing in certain securities or types of securities (such as a product type, specific companies, specific sectors, etc.) by providing a signed and dated written notification, of which an e-mail is also an acceptable form of notification. AFS also provides consulting services. This may include advice on only an isolated area of concern such as estate planning, retirement planning, insurance coverage or any other specific topic. Depending on the area of concern, AFS may recommend that the client work with his or her attorney, accountant, insurance agent, stockbroker and /or other service provider to implement the advice. AFS may recommend service providers to the client to implement the advice. AFS provides investment advisory and other financial services through its Investment Advisory Representatives ("IAR") to accounts opened with AFS. Managed Accounts are available to individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations and other business entities. AFS provides non-discretionary investment advisory services to some of its clients through various managed account programs. AFS will assist clients

in determining the suitability of the Managed Account Programs for the client. The IAR is compensated through a comprehensive single fee and the account may be assessed other charges associated with conducting a brokerage business. AFS and its IAR, as appropriate, will be responsible for the following:
• Performing due diligence
• Recommending strategic asset and style allocations
• Providing research on investment product options, as needed
• Providing client risk profile questionnaire
• Obtaining investment advisory contract from client with required financial, risk tolerance, suitability and investment vehicle selection information for each new account
• Performing client suitability check on account documentation, review the investment objectives and evaluate the investment vehicle selections
• Providing Firm Brochure (this document) Employee Benefit Plan Consulting Services Clients can also receive investment advice on a more limited basis. This may include advice on only an isolated area of concern such as estate planning, retirement planning, insurance coverage or any other specific topic. Depending on the area of concern, AFS may recommend that the client work with his or her attorney, accountant, insurance agent, stockbroker and /or other service provider to implement the advice. AFS may recommend service providers to the client to implement the advice. AFS provides several advisory services separately or in combination. While the primary clients for these services will be sponsors and fiduciaries of pension, profit sharing and 401(k) plans, AFS will also offer these services, where appropriate, to trusts, estates and charitable organizations. Clients may choose to use any or all of these services. AFS will not manage benefit plans as part of this service. As of December 31, 2023, AFS has total assets under management in the amount of $140,659,844 on a non-discretionary basis. Form ADV, Part 2A, Item 5