Program Description The program is designed to offer clients a diversified, long-term approach to their personal investment goals and objectives through a discretionary asset management and allocation program, which may involve the use of third- party money managers. The program consists of several model portfolios and strategies utilizing various security investments (mutual funds, stocks, bonds, ETFs and other securities). LPA provides continuous advice to clients regarding investment of client funds based on the individual needs of the client. Through personal discussions and other means, goals and objectives based on a client's particular circumstances are established. This information is then used to select the appropriate strategies for managing the client assets. LPA provides this service to individuals, pension or profit-sharing plans, trusts, estates, charitable organizations and corporations. LPA will manage advisory accounts on a discretionary basis. Account supervision is guided by the stated objectives of the client. Investment Discretion Clients authorize LPA to buy, sell or otherwise trade securities in Accounts without discussing the transactions with the Client in advance. This discretion may include; United States government securities, exchange-listed securities, Options contracts on securities and commodities, Warrants, Corporate debt securities, Commercial paper, Interests in partnerships investing in real estate and oil and gas interests, Municipal securities and mutual fund shares. This discretion is exercised under LPA’s fiduciary responsibility to manage the account within the acceptable level of risk determined by the Legacy Planning Risk Tolerance Questionnaire as well as conversations between the client and LPA. The scope of discretion may be modified or changed by LPA upon 30-day advance written notice to Client. Client also authorizes LPA to take all necessary action to effect securities transactions for the Account. This grant of discretion shall remain in full force and effect until terminated by Client or LPA pursuant to an Agreement, or until LPA receives notice of Client’s death. If, in the event of Client’s death, LPA acts in good faith pursuant to this grant of discretion without knowledge of Client’s death, any action so taken, unless otherwise invalid or unenforceable, shall be binding on Client’s successors in interest. Advisory Fees, Billing and Compensation Under our wrap fee program, clients are charged a specified annual fee — not based directly on transactions in their accounts — for Investment Advisory Services, which include portfolio management, third-party manager selection, custody (except as indicated in the “General Information on Fees” section below), brokerage and other costs of execution of client transactions, and other services provided under the program. A portion of the fee goes to LPA for services provided under the wrap fee program, and a portion goes towards third-party brokerage, execution, and custody costs. Please note that the wrap fee is separate and distinct from the fees and expenses charged by mutual funds & ETFs to their shareholders and is separate and distinct from fees charged by third- party money managers. Unlike clients in the wrap fee program, clients in the non-wrap fee program pay LPA on a per-trade commission basis, and pay the costs of brokerage, execution, and custody separately. The wrap fee program may cost more or less than purchasing the covered wrap fee services separately, depending on a variety of factors, including the amount of trading in the account and the costs of the services purchased separately. The annual fee for Investment Advisory Services is billed quarterly in advance based on the month-end value of assets under management at the end of the previous calendar quarter. The authorization or agreement to remove any assets from the Accounts is limited to the agreed upon investment adviser fee as stated on the client agreement. If the Advisory Agreement is executed at any time other that the first day of a calendar quarter, the Legacy Planning & Associates, Inc. Page 4 Appendix 1 – 3/22/2023 fee will apply on a pro rata basis, meaning that the advisory fee is payable in proportion to the number of days in the quarter for which you are a client. For example: if you enter into the Advisory Agreement on February 15th, you will be billed an advisory fee from Feb 15th through March

31st based on the Feb month end Value (February 28th). If the account value on February 28th is 100,000 with a 1.5% Quarterly fee, the prorated amount deducted for the first quarter would be ($100,000*1.5% / 4) = 375 * (45/90) = $187.50 The custodian of the account will provide the client with a statement, not less than quarterly indicating all amounts disbursed from the account including, separately, the amount of advisory fees paid. On an annualized basis, LPA's fees for ongoing investment advisory services, subject to negotiation, range from 1.00% to 2.00%. All fees are negotiable. When authorized by clients, advisory fees are withdrawn from the client's account on or about the 4th business day of April, July, October and January for the upcoming quarter. Termination of Advisory Agreement An LPA agreement may be terminated be either party at any time without penalty upon receipt of written notice. Such termination shall not, however affect liabilities or obligations incurred or arising from transactions initiated under a client agreement prior to such termination, including the provisions regarding arbitration, which shall survive expiration or termination of the agreement. Upon termination, client shall have the exclusive responsibility to monitor the securities in the account, and LPA shall have no further obligation to act or advise with respect to client's assets. You may terminate the Client Agreement upon written notice to our firm. Written notice must be sent to Legacy Planning & Associates, Inc. 2851 Charlevoix Dr. SE, Ste. 314, Grand Rapids MI 49546. You will incur a pro rata charge for services rendered prior to the termination of the Advisory Agreement, which means you will incur an advisory fee only in proportion to the number of days in the quarter for which your account is under the signed advisory agreement. If you have pre-paid advisory fee that we have not earned yet, you will receive a prorated refund of those fees. For example: if you terminated the advisory agreement on March 1st you will only be responsible for the advisory fee from Jan 1 through Feb 28 (59 of the 90 days in the quarter). If the 1st quarter fee (billed in January based on the 12/31 value) is $1,000, you would only pay 65.55% of that fee (59/90) and therefore receive a rebate of $344.44 (31/90 * $1,000). Negotiability of Fees LPA’s fees may vary among clients for the services provided due to differing client needs, circumstances, objectives and services. The above fee schedules are the firm's basic fee schedules generally charged to clients, absent negotiable circumstances. General Information on Fees Mutual Fund, ETF or Custodial Fees and Expenses: Our wrap fee does not cover all fees and costs. The fees not included in the wrap fee include charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be disclosed in the fund’s prospectus (i.e., fund management fees and other fund expenses), mark- ups and mark-downs, spreads paid to market makers, fees (such as a commission or markup) for trades executed away from [Schwab/Custodian] at another broker-dealer, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. Trading Fees: All fees charged by the clearing firm to enact mutual fund, ETF, stock, bond or other securities transactions for Wrap Accounts are paid by LPA. Clients are not responsible for trading fees in a Wrap Account. Legacy Planning & Associates, Inc. Page 5 Appendix 1 – 3/22/2023 Fee Calculation: The advisory fee charged by LPA is calculated as described above and is not charged on the basis of a share of capital gains or capital appreciation of the funds or any portion of the funds of an advisory account (Section 102(b) of the Michigan Uniform Securities Act). Advisory Fees in General: Clients should note that similar advisory services may, or may not, be available from other registered investment advisors for similar or lower fees. RETIREMENT ROLLOVER CONFLICTS OF INTEREST When we recommend you rollover a retirement account for us to manage, this creates a financial incentive because we charge a fee for our services. We attempt to mitigate the conflict of interest by acting in your best interest and applying an impartial conduct standard to all rollovers. Please note that you are not under any obligation to roll over a retirement account to an account managed by us.