Firm Description The Monitor Group, Inc., founded in 1992, provides personalized confidential financial planning and investment management services to individuals and families. We advise clients through consultation which may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning and estate planning. The Monitor Group, Inc. is strictly a Fee-Only financial planning and investment management firm. We do not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships or other commissioned products. We are not affiliated with entities that sell financial products or securities. We do not accept commissions in any form, nor do we pay or receive finder’s fees. Investment advice and recommendations are provided, with the client making the final decision on investment strategy. The Monitor Group, Inc. does not act as a custodian of client assets. The client always maintains asset control. We place trades for clients under a limited power of attorney. We provide a written evaluation of each client's initial situation in the form of a financial plan document that includes analysis and recommendations. The process includes periodic reviews as reminders of specifics steps to be taken. More frequent internal reviews occur, but are not necessarily communicated to the client unless immediate changes are recommended. The client may engage other professionals (e.g. attorneys, accountants, insurance agents, etc.) on an as-needed basis. Conflicts of interest will be disclosed to the client in the unlikely event they should occur. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Principal Owners Paul B. McNair owns The Monitor Group, Inc. Types of Advisory Services The Monitor Group, Inc. provides comprehensive financial planning services addressing all aspects of client’s financial circumstances in addition to investment advisory services. The Monitor Group, Inc. also provides separate investment advisory services that do not include comprehensive planning. The Monitor Group, Inc. Page 2 Types of Advisory Services (continued) In certain circumstances, we furnish advice to clients on issues of limited scope such as retirement planning and/or estate planning. As of December 31, 2023, The Monitor Group, Inc. managed $138,481,575 in assets, $137,272,509 of which is managed on a discretionary basis, and $1,209,066 on a non-discretionary basis. Tailored Relationships An important part of our work is assisting clients to define and prioritize their goals and objectives, which we document in our client relationship management system. We track and review progress with each client in achieving these goals and objectives. We also create Investment Policy Statements (IPS) for clients that reflect their stated goals and objectives. Types of Agreements The Monitor Group, Inc. provides the services most appropriate to each client’s needs under one of the following agreements. Financial Planning and Investment Advisory Agreement The Monitor Group, Inc. provides comprehensive financial planning services under our Financial Planning and Investment Advisory Agreement. This includes preparation, presentation and monitoring of a personal financial plan and investment advisory and management services. The financial plan may include, but is not limited to: a net worth

statement; a cash flow statement; a review of investment accounts with recommendations for reallocation and repositioning; strategic tax planning; a review of retirement accounts and plans including, if necessary, one or more retirement scenarios; a review of insurance policies and recommendations for changes, if appropriate; estate planning review and recommendations; and education planning with funding recommendations. Investment Advisory services include developing an Investment Policy Statement (IPS) detailing the client’s investment goals, implementing a strategy consistent with those goals, and periodic review and repositioning of investments in order to maintain the strategy. The Monitor Group, Inc. Page 3 Financial Planning and Investment Advisory Agreement (continued) At the client’s request, we work with their other professionals, such as attorneys, accountants, and insurance agents to coordinate and implement their financial planning decisions. The fee for a Comprehensive Financial Plan is predicated upon the facts known at the start of the engagement. The fee is negotiable based on client circumstances and the complexity of issues. Financial planning is a discovery process. Our clients commit to provide complete information and to be open and candid with us regarding their financial circumstances and personal money attitudes. We set a fixed annual fee which is payable in quarterly installments, in advance, at the beginning of each quarter. This Agreement may be cancelled without penalty within five (5) days of its acceptance. Thereafter, it continues in effect until terminated by the client or The Monitor Group, Inc. by giving thirty (30) days written notice. However, our Agreement provides that the first year’s fee is earned in full when the plan is presented, and subsequent fees are earned when paid. Investment Management Agreement Our Investment Management Agreement is executed when financial planning is not provided as part of the relationship. The client engages The Monitor Group, Inc. to manage their investment assets on an ongoing basis. These particular services include developing an appropriate investment strategy based on the client’s goals and objectives, time horizon, tax circumstances and risk tolerance. This strategy is incorporated in a written Investment Policy Statement (IPS). The strategy is implemented primarily using No-Load Mutual Funds, Exchange-Traded Funds (ETFs), Money Markets, Certificates of Deposit and other cash equivalents. If a client’s circumstances dictate, we may recommend no-load, no-surrender penalty variable annuities. We do not sell any of the aforementioned products as a Fee-Only Firm, but can assist with implementation of our recommendations if the Client asks us to do so. The Agreement may be terminated by either party with thirty (30) days written notice. If the fee is terminated in the first year, the client owes a termination fee equal to the balance due on one year’s fee. Otherwise, any fees paid for a period beyond the 30-day notice will be refunded. Letter of Agreement This Agreement is used for special circumstances and limited engagements. The scope of work is described in Schedule A, “Services to be Provided”, attached to the Letter of Agreement setting out the standard terms and conditions of the engagement. The Monitor Group, Inc. Page 4 This is a fixed fee engagement with payment terms specified in the Agreement. The Agreement ends when the specified work is complete. Termination of Agreement The termination provisions for each of our three forms of Agreement are included in the above descriptions.