A. Firm Information Kennedy Investment Group, Inc. (“KIG” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission. The Advisor is organized as a Corporation under the laws of the State of New Jersey. KIG was founded in October 2003 and is owned and operated by John W. Kennedy III (President and CEO). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by KIG. B. Advisory Services Offered KIG offers investment advisory services to individuals, high net worth individuals, and retirement plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. KIG's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services KIG provides tailored investment advisory solutions to its Clients. This is achieved through personal Client contact and interaction while providing a broad range of comprehensive financial planning and discretionary investment management over Client portfolios. These services are described below. Financial Planning Services – KIG provides a variety of financial planning services to Clients. Financial planning services involve preparing a formal financial plan, which encompass one or more areas of need including but not limited to investment planning, retirement planning, education planning, estate planning, tax planning, insurance planning, and other areas of a Client’s financial situation. KIG will work closely with each Client to understand their financial situation, investment goals, objectives, and overall risk tolerance. A financial plan developed for the Client will include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their portfolio or asset allocation strategy, commence, or alter retirement savings, and/or establish education savings. KIG may also refer Clients to an accountant, attorney, or other specialists, as appropriate for their unique situation. Financial planning recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Investment Management Services - KIG provides customized discretionary investment management services to its Clients. KIG works closely with each Client to create a portfolio strategy based on their investment goals, objectives, and risk tolerance. KIG will construct an investment portfolio, consisting of low-cost, diversified mutual funds and/or exchange-traded funds (“ETFs”), individual stocks, bonds, options contracts, and alternative investments to meet the needs of its Clients. The Advisor may retain other types of securities from a Client’s legacy investments based on portfolio fit and/or tax considerations. KIG’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. KIG will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. KIG evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. KIG may recommend, on occasion, redistributing investment allocations to diversify the portfolio. KIG may recommend specific positions

to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. KIG may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will KIG accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g., commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Use of Independent Managers - KIG may recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In certain instances, the Client may be required to authorize and enter into an investment management agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Client’s investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial portfolio recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). C. Client Account Management Prior to engaging KIG to provide investment advisory services, each Client is required to enter into an agreement with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy – KIG, in connection with the Client, will develop a portfolio strategy that seeks to achieve the Client’s investment goals, time horizon, financial situation, and risk tolerance for each Client.
• Investment Management and Supervision – KIG will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs KIG includes securities transaction fees together with its wealth management fees. Including these fees into a single asset-based fee is considered a “Wrap Fee Program”. The Advisor customizes its wealth management services for its Clients. The Advisor sponsors the KIG Financial Wrap Fee Program solely as a supplemental disclosure regarding the combination of fees. Depending on the level of trading required for the Client’s account[s] in a particular year, the Client may pay more or less in total fees than if the Client paid its own securities transaction fees. Please see Appendix 1 – Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. E. Assets Under Management As of December 31, 2022, KIG manages $397,444,659 in Client assets, all of which are managed on a discretionary basis. Clients may request more current information at any time by contacting the Advisor.