ABOUT US Redwood Financial Planning, LLC was founded by Jared Friedman in 2010 to provide portfolio management services and financial products through his registration with investment advisers and broker-dealers. In 2018, the firm obtained registration as an investment advisory firm in the State of New Jersey. As of March 14, 2023, RFP had $101,283,218 in regulatory assets under management, all of which is managed on a discretionary basis. RFP is managed by Jared Friedman, President, who owns 50% of the entity alongside Co-President Michael McLane. PORTFOLIO MANAGEMENT SERVICES RFP offers ongoing portfolio management services to Clients. RFP will obtain pertinent information concerning the Client such as financial condition, investment objectives, and general risk characteristics. RFP will tailor the Client’s portfolio to the needs of the Client. Client reserves the right to impose restrictions or guidelines on the management of the Client's assets, including any limitations on the purchase or sale of securities. Assets managed by RFP are invested in exchange traded funds predominantly although other security types may be utilized. RFP will not provide advice, recommend, or select futures or commodity contracts. RFP can manage Client assets on a discretionary basis as well as on a non-discretionary basis. Providing discretionary authority allows RFP to purchase, sell, invest, reinvest, exchange, and trade the assets in the account(s) of the Client, subject to any restrictions imposed by the Client. This means RFP will have the authority to determine what securities and investments are to be bought or sold, the amount of transactions, and the timing of transactions. RFP will recommend a broker-dealer for the custody of Client assets and the execution of transactions. RFP does not impose a minimum investment amount for obtaining the services of RFP. Clients will receive account statements from the custodian no less than quarterly concerning all transactions, balances and portfolio holdings within their account. THIRD PARTY ASSET MANAGEMENT SERVICES RFP may utilize the services of third-party managers to offer asset management services to Clients. Prior to entering into an agreement with the third-party asset managers to provide asset management services, RFP has conducted due diligence as to the background, reputation, performance, investment styles, and other determining criteria. Once due diligence has been conducted, RFP determines whether to utilize the third-party asset manager. Prior to introducing Pennsylvania clients to another investment adviser/third-party manager, RFP will be responsible for determining whether the investment adviser/third-party manager is properly licensed, noticed filed, or exempt from registration with the Pennsylvania Department

of Banking and Securities. Based on the needs and desires of the Client, RFP will assist the Client in the selection of a third- party asset manager. RFP will continue to monitor the performance of the third-party asset manager as it relates to the Client’s assets. As the type and nature of services offered by the third-party asset manager will often vary between different third-party asset managers, it is important for the Client to carefully review a copy of the Form ADV of such third-party asset manager as well as any promotional materials provided to gain a complete and full understanding of the third-party asset manager’s services and any requirements that they impose. The Client should be aware that the third-party asset manager may or may not require assets to be managed on a discretionary basis, may limit the types of securities to be used, may not tailor assets to the needs of the Client, and may have minimum dollar requirements to participate in such services. FINANCIAL PLANNING SERVICES Clients may seek to obtain financial planning services from RFP. RFP provides a range of financial planning services. Examples of financial planning services include retirement planning, tax related investment planning, cash flow management, risk management, education funding and insurance planning. The type and amount of financial planning services is the choice of the client. RFP can assist the Client in the identification process of what types and how much financial planning assistance a Client may need. In some cases, Clients desire comprehensive financial planning services that range from investment advice, insurance planning, education funding, retirement planning, and many more types of financial planning services. Conversely, some Clients may want to focus on a particular matter, such as insurance planning, or have some time to speak to a financial planner about the matter they are concerned about or have questions. When providing financial planning and financial planning consultation services, RFP gathers information through interviews concerning a Client’s current financial status, future goals, attitude towards risk and time horizon. A Client may be required to complete a questionnaire and provide additional documentation as reasonably requested by RFP. Upon conclusion of the services, Clients will be furnished a written report providing analyses and recommendations. Implementation of a financial plan is solely at a Client’s discretion and may require a Client to work closely with their attorney, accountant, investment professional, and/or insurance agent. Should a Client decide to implement any or all recommendations obtained from the financial planning services, the Client is under no obligation to utilize RFP or its advisors for such implementation.