Collie Financial Planning, Inc. is an independent, Fee-Only Registered Investment Advisor that provides comprehensive financial planning and investment portfolio management services to individuals and businesses and retirement plan services to small and medium sized businesses. Collie Financial Planning, Inc. was founded in 2005 by Michael Collie, CFP®, AIF®, CKA®. Michael is the sole principal owner of Collie Financial Planning, Inc. Comprehensive financial planning is the process of helping clients create, and plan for their financial goals. This process incorporates looking at all areas of a client's financial situation, including, but not limited to, insurance planning and risk management, cash flow and lifestyle management, retirement planning and income distribution, education planning, investment and asset management, tax planning, strategic giving, and wealth transfer and estate planning. The term Fee-Only refers to the method of compensation. The National Association of Personal Financial Advisors (NAPFA) defines a Fee-Only advisor as one who, in all circumstances, is compensated solely by the client, with neither the advisor nor any related party receiving compensation that is contingent on the purchase or sale of a financial product. A Fee-Only planner may not receive commissions, rebates, awards, finder's fees, bonuses, or any form of compensation from others because of a client's implementation of the individual's planning recommendations. Collie Financial Planning, Inc. tailors its advisory services to the individual needs of clients. This is done by getting to know clients and their specific situation, understanding their specific goals and objectives, and discussing how our firm can partner with them in trying to achieve these goals and objectives. When this partnership includes investment management, Collie Financial Planning, Inc., and its clients discuss various types of investment

options, including any restrictions on types of securities that clients may wish to impose on the holdings within their investment accounts. In some instances Collie Financial Planning, Inc. may utilize Separately Managed Accounts that have a sub-advisor to Collie Financial Planning, Inc. to assist in managing client assets. In this case, the client will enter into a sub-advisory agreement with the sub- advisor and their fees will be charged separately from those charged by Collie Financial Planning, Inc. Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Collie Financial Planning, Inc. serves clients on an individual basis, however Collie Financial Planning, Inc. sometimes provide educational workshops and seminars to non-clients. As of 12/31/2023, Collie Financial Planning, Inc. managed $120,061,234.00 in assets for its clients on a discretionary basis.