A. Description of the Advisory Firm B. Types of Advisory Services o recommending other service providers, such as custodians, administrators and broker-dealers o creating a written pension consulting plan Selection of Other Advisors AFA does not direct clients to third party money managers. Financial Planning AFA’s financial planning services begin with a thorough review of a client’s finances, personal goals, risk tolerance, and personal preferences. The data collected is reviewed by our financial team. Client receives a comprehensive financial analysis and retirement plan. Financial plans and financial planning may include, but are not limited to: investment planning, life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. These services are based on hourly fees and the final fee structure is documented in Exhibit II of the Financial Planning Agreement. In offering financial planning, a conflict exists between the interests of the investment advisor and the interests of the client. The client is under no obligation to act upon the investment advisor's recommendation, and, if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment advisor. Subscription Services AFA provides subscription services for a fee. These services include a newsletter that will offer recommendations on purchasing and selling specific securities, sectors, asset classes, market commentary and analysis, or other specific groupings of securities at a stated time. Educational Seminars/Workshops AFA provides periodic educational seminars and workshops to the general public. Services Limited to Specific Types of Investments AFA generally limits its investment advice and/or money management to mutual funds, equities, bonds, fixed income, ETFs, REITs, and insurance products including annuities. AFA may use other securities as well to help diversify a portfolio when applicable. AFA offers the same suite of services to all of its clients. However, specific client financial plans and their implementation

are dependent upon the client. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent AFA from properly servicing the client account, or if the restrictions would require AFA to deviate from its standard suite of services, AFA reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. AFA DOES NOT participate in any wrap fee programs. AFA has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 99,239,502.00 $ 6,780,737.00 December 2023 Investment Supervisory Services Fees These fees are negotiable depending upon the needs of the client and complexity of the situation, and the final fee schedule is attached as Exhibit I of the Investment Advisory Agreement. Fees are paid quarterly in advance, and clients may terminate their Agreements with written notice. Refunds are given on a prorated basis, based on the number of days remaining in a quarter at the point of termination. Fees that are collected in advance will be refunded based on the prorated amount of work completed up to the day of termination within the quarter terminated. The fee refunded will be the balance of the fees collected in advance minus the daily rate* times the number of days in the quarter up to and including the day of termination. (*The daily rate is calculated by dividing the quarterly AUM fee by the number of days in the termination quarter). Clients may terminate their Agreements without penalty, for full refund, within 5 business days of signing the advisory Agreement. Advisory fees are withdrawn directly from the client’s accounts with client written authorization. Lower fees for comparable services may be available from other sources. A. Fee Schedule C. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee Programs E. Amounts Under Management