A. Description of the Advisory Firm B. Types of Advisory Services
• 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.
• Give you basic information about conflicts of interest. Services Limited to Specific Types of Investments KAG generally limits its investment advice to mutual funds, fixed income securities, insurance products including annuities, equities, ETFs and treasury inflation protected/inflation linked bonds. KAG may use other securities as well to help diversify a portfolio when applicable. KAG will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by KAG on behalf of the client. KAG may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. KAG participates in Wrap Fee Programs and will receive a portion of the wrap fee for advisory services. KAG has the following assets under management: Total AUM: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $160,206,988 $ 138,677,127 $ 21,529,861 December 2023 C. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee

Programs E. Assets Under Management Portfolio Management Fees Lower fees for comparable services may be available from other sources. KAG will be compensated via a fee share arrangement with the advisers with whom KAG has shared or delegated responsibilities. The sharing of responsibilities for each outside manager relationship will be documented in the contract between KAG and the applicable co-advisor or third-party adviser. The total fee to be paid will be quoted in advance as a percentage of assets under management, and the annual rate will generally range from 0.8% to 2.0% (but the total fee paid will not exceed any limit imposed by any regulatory agency). In instances where KAG shares responsibilities with a co-adviser, KAG and the co- adviser will share the total fee. In instances where KAG delegates responsibilities to a third-party investment advisers, KAG and the third party adviser will receive separate fees. The fees in both cases are negotiable and will not exceed any limit imposed by any regulatory agency. Clients are encouraged to review the applicable adviser’s Form ADV including firm brochure and brochure supplement as well as the respective client agreement information about Third-Party Advisers and their arrangement with KAG. Clients may terminate the agreement without penalty for a full refund of KAG's fees within five business days of signing the advisory agreement. Thereafter, clients may terminate the advisory agreement generally with 7 days' written notice. Educational Seminars/Workshops KAG provides periodic educational seminars and workshops to clients and the general public. Payment of Portfolio Management Fees Advisory fees are charged monthly or quarterly and may be due in advance or in arrears depending on the management platform. Fees are withdrawn directly from the client’s accounts with written authorization from the client.