Item 5: Account Requirement and Type of Clients ................................................................................... 24 Item 6: Portfolio Manager Selection and Evaluation ................................................................................ 24 Item 7: Client Information provided to Portfolio Managers ...................................................................... 25 Item 8: Client Contact with Portfolio Managers ........................................................................................ 25 Item 9: Additional Information .................................................................................................................. 25 INFORMATIONAL BROCHURE CHB Investment Group, LLC CHB Investment Group, LLC (CHB) is an independent registered investment advisor. The firm’s principal, Chris Brashier has more than 25 years in the industry. CHB provides comprehensive wealth planning and generational wealth management to individuals and families and family trusts. CHB’s process starts with an introductory meeting which is spent getting to know the client and what is most important to them, where the client is now financially and what they would like their money to accomplish for them. Once the client’s goals are identified, CHB constructs a cash flow analysis and an executive summary that brings together all the pieces to provide a holistic view of the client’s financial life. Financial planning services are provided as a part of investment management. CHB performs portfolio management and asset allocation services primarily on a discretionary basis. This means that while CHB will continue an ongoing relationship with each client, being involved in various stages of their lives and decisions to be made, CHB will not seek specific approval of changes to client accounts. Because CHB takes discretion when managing accounts, clients engaging us will be asked to execute a Limited Power of Attorney (granting us the discretionary authority over the client accounts) as well as an Investment Advisory Agreement that outlines the responsibilities of both the client and CHB. In the case of assets managed by a third-party manager, CHB may, have the discretion to hire and fire the third-party manager, in which case that change would be made in keeping with client objectives but not necessarily with prior client authorization. In limited circumstances, CHB may provide asset management services on a non-discretionary basis, which means CHB will consult with the client prior to implementing any investment recommendation. Clients should be aware that some recommendations may be time-sensitive, in which case recommendations not implemented because CHB is unable to reach a non-discretionary client may not be made on a timely basis and therefore the client’s account may not perform as well as it would have had CHB been able to reach the client for a consultation on the recommendation. Use of Third-Party Managers CHB may select certain Third-Party Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages a Third-Party Manager may be set forth in a separate written agreement with the designated Third-Party Manager. In addition to this brochure, clients may also receive the written disclosure documents of the respective Third-Party Managers engaged to manage their assets. CHB evaluates a variety of information about Third Party Managers, which may include the Third-Party Managers’ public disclosure documents, materials supplied by the Third-Party Managers themselves and other third-party analyses it believes are reputable. To the extent possible, CHB seeks to assess the Third-Party Managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. CHB also takes into consideration each Third-Party

Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. CHB continues to provide services relative to the discretionary selection of the Third-Party Managers. On an ongoing basis, CHB monitors the performance of those accounts being managed by Third Party Managers. CHB seeks to ensure the Third-Party Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Wrap Program The CHB Investment Group Wrap Program (the “Program”) is a wrap fee program sponsored by CHB. For some clients, CHB may include certain transactional costs in the client’s management fee. This arrangement is referred to as a “Wrap Program”. For accounts in the Wrap Program, CHB pays a fee to the custodian based on the clients’ transaction costs. Fees in the wrap program include transaction costs for the purchase or sale of securities, but do not include expenses related to the use of margin, wire transfer fees, the fees charged to shareholders of mutual funds or ETFs, mark-ups and mark- downs, spreads, odd-lot differentials, fees charged by regulatory agencies, and any transaction fees for securities trades executed by a broker-dealer other than the agreed upon custodian. Expenses for the management fees of third-party managers are also not included in the Wrap Program, and to the extent utilized, you will be responsible for such fees. Because CHB will be managing the assets of wrap fee program clients the same way as other non-wrap fee program clients, the use of external portfolio managers within the wrap program is expected to be limited. To the extent a third-party manager is utilized, the fees payable to such managers will not be included in the wrap program. Therefore, there is no difference between how CHB manages wrap free accounts and how CHB manages other accounts. Because of the nature of a wrap fee program, where wrap fees are not tied to an account’s frequency of trading and apply to generally all assets in the account, the wrap fee program client may pay more or less than if the client had compensated CHB outside of the wrap fee program. For example, if a client’s account is rarely traded, the transaction fees the client would have paid would be minimal, thus limiting the benefits of “wrapping” management fees and transaction fees. Clients whose accounts will be rarely traded should carefully consider whether the Wrap Program is appropriate. Clients are not required to participate in the Wrap Program. CHB receives a portion of the wrap fee for our services. Additionally, because of the nature of a wrap program, wherein clients pay one fee for advisory services as well as certain transactions, the actual fee to the firm will vary as the transaction costs charged to the program vary. This means that if transaction costs go down, either because the account is traded less or because the cost per trade goes down, the firm’s fees for the same advisory services will increase. Likewise, if the costs increase, the firm’s advisory compensation will decrease. The intention of the wrap program is to have CHB absorb the occasional transactional costs associated with trades in the client accounts. CHB does not engage other portfolio managers to manage assets within the wrap fee program. To the extent a third-party manager is utilized, the fees payable to such managers will not be included in the wrap program. CHB is the sole portfolio manager in the wrap program, which means that CHB receives a portion of the wrap fee for our services. Transaction fees are paid to various broker-dealers, mutual funds and ETFs. The remainder of the wrap fee is the management fee payable to CHB. CHB will receive no additional compensation for offering the wrap fee program. Please see the separate Wrap Fee Brochure for a more complete description of the Wrap Program. Assets Under Management As of December 30, 2022, CHB has a total of $163,512,584 of assets under management of which 584 accounts are managed on a discretionary basis and 62 accounts are managed on a non-discretionary basis.