UNF provides financial planning, consulting, and investment management services. Prior to engaging UNF to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with UNF setting forth the terms and conditions under which UNF renders its services (collectively the “Agreement”). UNF has been in business as a registered investment adviser since July 31, 2009. Mark D. Herman is the principal owner of UNF. As of December 31, 2023, UNF had $165,227,714 assets under management, all of which are assets managed on a discretionary basis. This Disclosure Brochure describes the business of UNF. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of UNF’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees, or any other person who provides investment advice on UNF’s behalf and is subject to UNF’s supervision or control. Financial Planning and Consulting Services UNF provides its clients with a broad range of comprehensive financial planning and consulting services. These services include retirement, education planning, and tax and cash flow needs of the client. In performing its services, UNF is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. UNF may recommend the services of itself and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if UNF recommends its own services. The client is under no obligation to act upon any of the recommendations made by UNF under a financial planning or consulting engagement or to engage the services of any such recommended professional, including UNF itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of UNF’s recommendations. Clients are advised that it remains their responsibility to promptly notify UNF if there is ever any change in their financial situation or investment

objectives for the purpose of reviewing, evaluating, or revising UNF’s previous recommendations and/or services. Investment Management Services Clients can engage UNF to manage all or a portion of their assets on a discretionary or non-discretionary basis. UNF primarily allocates clients’ investment management assets among mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities, and certificates of deposits, in accordance with the investment objectives of the client. UNF also provides advice about any type of investment already held Page 5 © MarketCounsel 2024 in clients' portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Clients may also engage UNF to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, UNF directs or recommends the allocation of client assets among the various investment options available with the product. These assets are maintained at the underwriting insurance company or the custodian designated by the product’s provider. UNF tailors its advisory services to the individual needs of clients. UNF consults with clients initially and on an ongoing basis to determine risk tolerance, time horizon, and other factors that may impact the clients’ investment needs. UNF ensures that clients’ investments are suitable for their investment needs, goals, objectives, and risk tolerance. Clients are advised to promptly notify UNF if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon UNF’s management services. Clients may impose reasonable restrictions or mandates on the management of their account (e.g., require that a portion of their assets be invested in socially responsible funds) if, in UNF’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts.