Three Points Financial, Inc. (“TPF”) is a fee-only comprehensive financial planning firm that specializes in providing comprehensive, tax-focused financial planning and investment advisory services to individuals and families. TPF was established as an S-Corporation in May 2006 (previous name-Alpers Financial Planning, Inc.) Firm Ownership Mary R. Alpers (CRD#4777789) owns 85% and Steven F. Cruice Jr. owns 15%. Firm Description TPF offers a wide range of financial services. Specifically, TPF distinguishes itself from traditional investment advisory firms by providing comprehensive services for clients that include investment analysis, strategies, and recommendations, retirement planning, tax and estate planning, risk management, business development, rental analysis, and more. TPF holds itself to a fiduciary standard, which means we act in utmost good faith in what we believe is in the best interest of each one of our clients. As fiduciary investment advisors, we are legally required to put your interests first. We do not sell insurance or investment products, and we do not accept commissions from any product recommendations we make to you. We do not pay referral or finder’s fees, nor do we accept such fees from other firms. As of 2/24/2023, TPF advises on approximately 115,593,365 of investment assets. Of this total, TPF advises approximately $111,878,922 on a non-discretionary, non-custodial basis and approximately $3,714,443 on a discretionary basis. Currently, Mary R. Alpers, CFP® and Steven F. Cruice Jr., CFP®, CPA provide investment analysis and recommendations. TPF requires non-discretionary authority for new clients. TPF does have legacy clients that have discretionary authority. Non-discretionary authority requires TPF to obtain the Client’s prior approval of each specific transaction prior to executing investment trades, as well as for the selection and retention of sub-advisors to the account. TPF will act in accordance with a Statement of Investment Policy (or similar document used to establish the Client’s objectives and suitability) regardless of whether authority is discretionary or non-discretionary. TPF will only execute transactions for clients when specifically requested, approved, and authorized by clients in writing (via a fully executed limited power of attorney “LPOA”) for non-discretionary clients. TPF and the Client will enter into an agreement which details the scope of the relationship and responsibilities of both TPF and the Client. Advice and services provided under the agreement are tailored to the stated objectives of the Client(s). TPF provides the following three types of services: 1. Open Retainer: An Open Retainer provides comprehensive fiduciary financial planning for a fixed fee. Clients will have on the average six to seven meetings in the initial year, and two to four in subsequent years, depending on complexity, tax preparation,

and client preference. After the first year, we renew the contract with an ongoing renewal automatic agreement, unless terminated by either the Client or TPF. In addition to scheduled meetings, additional face-to-face, e-mail and/or phone consultations are included at no additional charge. Open retainer is defined as ongoing services with reasonable availability to the Client throughout the year. Additional face to face meetings requested by the Client beyond regularly scheduled meetings are accommodated into the schedule as needed and as is reasonable. Initial Year of Open Retainer - Scheduled meeting topics are listed below. TPF will schedule meetings to cover those topics relevant to you, such as: - Tax preparation (if included in contract) - Budgeting and cash flow - Goal Setting - Tax planning - Inventory/Analysis of client assets, including Rental Property(ies) - Retirement planning - Portfolio analysis - Develop asset allocation strategies/recommendations - Estate planning review - Implementation of investment recommendations upon Client request - Small business analysis - Insurance analysis - Education planning - Analysis of employee benefits Renewal Years of Open Retainer - Typical topics covered: - Tax planning & Tax preparation, Including Ongoing Rental Analysis - Goal setting review (as needed) - Investment review/Rebalancing/Recommendations - Retirement plan updates - Review Estate Planning periodically - Review Insurance periodically - Other financial planning topics (namely change of residence, business analysis) 2. Limited Retainer: If an Open Retainer relationship is not desired or practical, Limited Retainer services are also offered. Limited Retainer services are narrower in scope and usually focus on one or more of the following areas but without comprehensive retainer services: goal setting, asset/liability analysis, tax planning, cash flow management, investment review, retirement planning, risk management, estate planning and record keeping. The service includes various client consultations as well as written and/or oral recommendations resulting from such consultations. The Limited Retainer does not constitute a comprehensive financial planning engagement and follow-up advice and/or implementation assistance is not provided following the completion of the project. For the most part, oversight of client’s assets is not included, although there are few exceptions for long time clients with smaller investment holdings. Additionally, tax return preparation is not automatically included with the Limited Retainer, but may be purchased as part of this service, at the Client’s request and based on TPF’s availability during tax season. Clients who wish to upgrade to the Open Retainer option may receive credit toward Open Retainer fees for all amounts paid under Limited Retainer agreements for the past six months.