A. Description of the Advisory Firm B. Types of Advisory Services Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; education planning; and debt/credit planning. Investment planning involves working with clients to make sure their investments match their respective risk tolerance and goals. Tax concerns are addressed by working with the client to determine and compare effective tax rates for income, capital gains and other earnings or investments, then attempting to allocate the client’s resources accordingly. Life insurance planning entails reviewing the life insurance and/or disability insurance needs of the client, together with any applicable dependents, spouse or other relatives, and assessing appropriate coverage for these individuals. College planning entails helping clients save for higher education, whether for the client or his/her children or other dependents, in the ideal manner to suit the client’s overall financial goals and means. Financial planning to address retirement entails making sure clients are financially equipped for retirement in light of the client’s anticipated income and expenses, investments, and other assets. Debt/credit planning consists of breaking down client budgets and aiding clients in decision-making as to current debt, anticipated significant expenses and potential debt, and avoiding excessive debt. Services Limited to Specific Types of Investments BKWM, LLC generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, private equity funds, equities, ETFs and non-U.S. securities. BKWM, LLC may use other securities as well to help diversify a portfolio when applicable. BKWM, LLC 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 BKWM, LLC on behalf of the client. BKWM, LLC may use model allocations

together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Given that BKWM, LLC focuses investments on meeting the goals of the individual client, the mix between the Income and Growth Portfolio is based on the amount of income the individual client needs to meet their goals. In addition, a lot of the clients will have large company stock positions - each individual is different in the amount of stock they own and will choose to diversify those holdings differently. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent BKWM, LLC from properly servicing the client account, or if the restrictions would require BKWM, C. Client Tailored Services and Client Imposed Restrictions LLC to deviate from its standard suite of services, BKWM, LLC reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. BKWM, LLC does not participate in wrap fee programs. BKWM, LLC has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $145,057,516 $0 December 31, 2022 Portfolio Management Fees Total Assets Under Management Annual Fees First $1,500,000 2.00% Next $1,500,000 1.75% Next $2,000,000 1.50% Next $5,000,000 1.00% Over $10,000,000 Negotiable The advisory fee is calculated using the value of the assets in the Account on the last business day of the prior billing period. These fees are generally negotiable and the final fee schedule will be memorialized in the client’s advisory agreement. Clients may terminate the agreement without penalty for a full refund of BKWM, LLC's fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract immediately upon written notice. D. Wrap Fee Programs E. Assets Under Management