Dew Point Capital, Inc. is an investment advisor firm registered with the U. S. Securities and Exchange Commission since September 2021. Previously, the firm was a state registered investment advisor since September 2019. The principal owner of Dew Point Capital, Inc. is Steven Cooper, Managing Director. Advisory Services Dew Point Capital, Inc.’s (“Dew Point” or “Advisor”) principal service is providing fee-based investment advisory services and financial planning services. The Advisor practices custom management of portfolios, on a discretionary basis, according to the client’s objectives. The Advisor’s primary approach is to use a strategic allocation strategy aimed at reducing risk and increasing performance. The Advisor may use exchange listed securities, over-the-counter securities, foreign securities, warrants, corporate debt securities, CDs, municipal securities, mutual funds, ETFs and United States government securities to accomplish this objective. The Advisor measures and selects mutual funds by using various criteria, such as fund cost, institutional affiliation and history, the fund manager’s personal investment in the fund, tenure, and/or overall career performance. The Advisor may recommend, on occasion, redistributing investment allocations to diversify the portfolio in an effort to reduce risk and increase performance. The Advisor may recommend specific stocks to increase sector weighting and/or dividend potential. The Advisor may recommend employing cash positions as a possible hedge against market movement which may adversely affect the portfolio. The Advisor may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position(s) in the portfolio, change in risk tolerance of client, or any risk deemed unacceptable for the client’s risk tolerance. Retirement Planning Services Dew Point provides retirement income planning services to clients and are intended to offer comprehensive guidance related to the management of a client's assets and income over the course of their retirement. The Advisor will attempt to provide accurate and comprehensive advice and recommendations about how to address a number of key questions concerning a client's retirement future. Retirement Plan Consulting Services Dew Point will evaluate the existing qualified retirement plan solutions. Dew Point will evaluate at a minimum, the qualified retirement plans fiduciary compliance program, recordkeeping and third-party administration services, investment policy statement and management process, employee communication and education program, and retiree/rollover transitional consulting services. Based on the evaluation, Dew Point will make objective recommendations to the plan sponsor. Upon approval, Dew Point will implement, manage, and monitor the recommendations with the authorization of the plan sponsor. Dew Point Capital, Inc. Page 5 As part of the process, Dew Point will provide an investment policy statement. Dew Point will recommend, monitor, and benchmark the selected investment platform according to the investment policy statement. Dew Point will also evaluate and recommend investment options to be included in the Plan, and monitor the characteristics of those investment options to ensure they meet the investment needs of the Plan. Dew Point will also assist in the development of the initial policy recommendations.

In consideration for this service, Dew Point will receive an investment advisory fee, billed quarterly in arrears based on the average daily balance of plan assets. The Plan Sponsor will make the decisions about which investment recommendations accept and for those chosen, will add them to the platform. Dew Point is only making recommendations to the client about which investment products should be included. Dew Point will make recommendations concerning the model portfolios/asset allocations, and underlying investment options used to construct the portfolios/allocations and not the individual participants elections, or asset allocation of any participants should they elect to customize their own portfolio. Additionally, Investment Advisor Representatives of Dew Point may provide consultation services on general non-securities advice on topics including operations management, business model integration and management, and retirement plan consulting and business planning. Selection of Other Advisors Dew Point may periodically recommend and refer clients to unaffiliated money managers or investment advisors. Through this arrangement, the client will then enter into an advisory agreement with the third-party money manager authorizing them to manage assets in accordance with the investment objectives established between the client and third-party money manager and by identifying appropriate investments and monitoring such investments. In consideration for such, the third-party money manager will receive an investment advisory fee, billed in accordance with its Form ADV Part 2A (Brochure) which the client will receive prior to signing the third- party money manager advisory agreement. The third-party money manager’s management fee is 1.00% per annum. The third-party money manager will pay Dew Point’s advisory fee of 0.50% per annum of the assets it manages out of its management fee. Dew Point will assist and advise the client in establishing investment objectives for the sub-advisors and continue to provide oversight of the client account and ongoing monitoring of the activities of the sub-advisors. Dew Point may also assist in the development of the initial policy recommendations and managing the ongoing client relationship. Financial Planning In addition to investment supervisory services, Dew Point may provide Financial Planning Services to some of its clients. The Advisor’s Financial Planning services may include recommendations for portfolio customization based on their client’s investment objectives, goals and financial situation, recommendations relating to investment strategies as well as tailored investment advice. Financial planning may also include non-investment advice such as developing strategies to achieve retirement or other financial goals, tax optimization strategies, cash flow and budgeting analysis and recommendations, financing and financial education, estate planning, and asset protection strategies. Dew Point will tailor its advisory services to its client’s individual needs based on meetings and conversations with the client. If clients wish to impose certain restrictions on investing in certain Dew Point Capital, Inc. Page 6 securities or types of securities, the Advisor will address those restrictions with the client to have a clear understanding of the client’s requirements. Dew Point does not provide portfolio management services to wrap fee programs. As of December 31, 2023, Dew Point had $155,135,000 in discretionary and $6,374,000 in non- discretionary client assets under management.