Vermillion and White Wealth Management Group (hereinafter referred to as VWG) was formed in August of 2013. The principals of VWG are Ryan L. Vermillion and Brian J. White, CFP ®. Whether the goal is to enhance, preserve, or transfer wealth, Vermillion and White Wealth Management Group’s (hereinafter referred to as VWG) objective is to help clients achieve their goals through comprehensive financial planning and quality investment advice. VWG is committed to servicing our clients with a personal, professional, and dedicated approach. The investment philosophy of Vermillion and White Wealth Management Group is based on matching a client’s portfolio with their respective risk tolerance, time horizon, and investment objectives. Our focus is to help clients develop investment strategies that assist in helping them achieve their goals. VWG is designed to assist clients with the development of financial planning and investment strategies based on these stated objectives. To assist clients in developing these strategies, VWG can, but is not required to, use various financial data gathering and investment risk-tolerance questionnaires. These tools will be used on an as needed basis for VWG clients. Investment vehicles include money markets, CD’s, treasury securities, corporate bonds, municipal bonds, preferred stocks, mutual funds, exchange-traded funds, options, and individual stocks. Investments are selected according to how well, in VWG’s opinion, they are expected to help meet the clients’ objectives. Financial and investment recommendations will be client specific. Once VWG completes its analysis, a review of their findings will take place with each client prior to any investment implementation. VWG offers investment advisory and financial planning services to individuals, entities and trusts on a discretionary and non-discretionary basis (as defined below). VWG also offers non- discretionary pension consulting services to employer retirement plans (401(k) plans). Such pension consulting services involve selection of investment menus, assistance with educating participants as to the terms of the plan, evaluating the performance of selected investment options, and advising participants on investment options based on each participant’s investment profile, risk tolerances, time horizon and objectives. With a client’s consent, our firm may also provide discretionary and non-discretionary individual wealth management services to client’s “Held Away Accounts.” Held Away Accounts are assets held at custodians that are not directly accessible by our firm, such as a client’s employer- sponsored retirement plan. The custody and management of Held Away Accounts are discussed in greater detail in Item 15, Custody. Clients who request individual wealth management services for Held Away Accounts must agree to the Pontera Order Management System (“Pontera”) End User Terms and Condition and Privacy Policy, and must further agree to keep VWG appraised of any changes to the user name and password access credentials for the Held Away Accounts. VWG does not use client’s

usernames or passwords to manage Held Away Accounts. Rather, such access credentials are provided to Pontera, which grants us access to the Held Away Accounts for viewing and trading authority only. We are only able, through the Pontera system, to view the holdings and balances of Held Away Accounts and enter trades in the Held Away Accounts under our discretionary or non-discretionary authority. As described below, services will be invoices against the client’s other accounts that are held by our qualified custodian(s). THIRD PARTY ADVISORY SERVICES We may also offer you the services of various third-party money managers (“Third-Party Money Managers” or “TPMMs”) for the provision of certain investment advisory programs including mutual fund wrap and separately managed accounts. In doing so, we act in a “co-advisory” capacity. When acting in a co-advisory capacity, VWG and the Third-Party Money Manager are jointly responsible for the ongoing management of your account. In connection with this arrangement, your Advisory Representative will provide assistance in the selection and ongoing monitoring of a particular Third-Party Money Manager. Factors VWG considers in selection of a particular Third-Party Money Manager include, but are not limited to: (1) Our assessment of a particular Third-Party Money Manager; (2) Your risk tolerance, goals, objectives and restrictions, as well as investment experience; and (3) The assets you have available for investment. In addition to the advisory relationship that you will have with these Third-Party Money Managers, you will also enter into an advisory relationship with VWG by signing our investment management agreement. If you are interested in learning about these services, please note that a complete description of the programs, services, fees, payment structure and termination features are available through the applicable Third-Party Money Manager’s disclosure brochure, investment advisory agreement, and account opening documents. You should understand that the services provided by us through these Third-Party Money Managers are under certain conditions directly offered by them to you. The fees charged by Third-Party Money Managers who offer their programs directly to you may be more or less than the fees charged by VWG for our participation in the investment programs. Trading by Third-Party Money Managers may sometimes trigger wash sale rule implications. A wash sale occurs when a security is sold at a loss and then the same or substantially identical security is repurchased within a short time period. The Third-Party Money Manager may not be able to manage accounts in a manner to avoid wash sale implications. You are encouraged to consult with a tax advisor to discuss any tax implications involving your portfolios in these and in all advisory programs. As of December 31, 2023, VWG managed 825 customer accounts with a combined total of $203,336,800 in assets, of which, $153,336,800 in assets are managed on discretionary basis and approximately $50,000,000 are managed on a non-discretionary basis.