Berkshire Advisors, Inc. provides asset management, financial planning, and institutional asset management. Berkshire Advisors, Inc. will provide customized client portfolios, or one of Berkshire’s asset allocation models based on each individual client’s risk. Clients may impose restrictions on investing in certain types of securities. Berkshire Advisors, Inc. utilizes third party qualitative and fundamental research in its investment decisions. Berkshire Advisors, Inc. may utilize individual stock, bonds, no load, and load waived mutual funds to create its client’s portfolio management. Berkshire Advisors, Inc. files with the Pennsylvania Banking/Security Division, however Berkshire is in the process of transitioning over to a Federally registered investment advisor.
• Berkshire Advisors Principals and Investment Advisor Representative’s (“IAR”) are: Mr. Jay R. Kemmerer – President & CEO, Chief Compliance Officer, Principal
• 34 years of financial experience
• Licensed to sell life insurance in the state of Pennsylvania Mr. Travis Speelman – Wealth Consultant
• 1 year of financial experience
• Focusing on Broad based Financial Planning, Retirement Planning and Education Retirement Programs Description Of The Berkshire Advisors’ Asset Management Account Program The Berkshire Advisors Asset Management Account Program offers clients an asset management account (hereinafter referred to as “Advisory Account”) in which Berkshire Advisors, in its capacity as a registered investment advisor, assists clients in developing a personalized asset allocation program. Advisory Accounts are designed primarily to assist clients in developing a custom-tailored portfolio of mutual fund shares (including no-load mutual funds and/or loaded funds purchased at net asset value), variable annuities, individual equity securities, individual fixed income securities or a combination of mutual fund shares, variable annuities (including no-load or low-load variable annuity contracts), Berkshire Advisors will

offer the Advisory Account to interested clients. Berkshire Advisors shall obtain the necessary financial data from the client, assist the client in determining the suitability of the Advisory Account and help the client set the appropriate investment objectives and strategies. Each client’s Advisory Account will be opened pursuant to a written investment contract in which the client will authorize Berkshire Advisors to purchase and sell various financial instruments that includes no- load and load-waived mutual funds; variable annuity contract sub-accounts (hereinafter referred to collectively as “mutual funds”); individual equities; and individual fixed income securities on a discretionary basis. Berkshire Advisors can liquidate previously purchased mutual funds and other securities pursuant to the investment objectives chosen by the client. In addition, the Firm manages 401k accts that we cover (there is no discretion over participant accounts.) Each client’s Advisory Account will consist of a percentage mix of asset classes to assist the client in meeting their needs may be and or not limited to the Berkshire Select Equity Portfolio. The percentage weightings within the asset classes will be based on the client’s risk profile, investment objectives, individual preferences, and availability. The portfolio can consist of individual equity securities, individual fixed income securities, and alternative investments including but not limited to: hedge funds, private equity funds, mezzanine funds, venture funds, REITs, REMICs, and privately placed debt and/or equity to achieve their investment objectives. The IARs manage accounts, which may include mutual fund shares, variable annuities, individual equity securities, individual fixed-income securities, or a combination thereof. As of December 31, 2022, Berkshire Advisors, Inc. managed $99,481,337 of client assets under management on a discretionary basis and $4,700,000 on a non-discretionary basis, for a total of $104,181,337 regulatory assets under management.