Introduction Law & Associates, Inc. (“Law”, the “Firm”, “we” or “our”) was founded in 1980 and registered with the Securities and Exchange Commission (the “SEC”) in 1982. The oral and written communications we provide to the client, including this Brochure, contain information the client can use to evaluate Law and compare us to other advisers, to assist the client in making the decision to hire us or to continue to maintain a mutually beneficial relationship with us. This Brochure provides information about our qualifications and business practices. Ownership Law is a privately-owned corporation headquartered in Glen Echo, Maryland. Janice L. Henderson is the sole shareholder of the business. Services Provided For most of our client relationships, we provide Wealth Management Services, which includes Financial Planning Services, Investment Advisory Services, and Investment Management Services. A client may also hire us to provide only Financial Planning or only Investment Management Services as needed to address their particular needs. Financial Planning Services We will prepare an initial Comprehensive Financial Plan for the client, which will include the following services: (i) data collection, (ii) an initial case analysis, and (iii) an initial meeting with the client and, if requested, a follow-up meeting. Our Financial Planning Services will address the following areas, if applicable: cash flow planning, tax planning, education planning, distribution planning, risk management review, retirement plan strategies, estate planning (document review/strategy) and investment planning. After delivery of the initial Comprehensive Financial Plan, we will provide the client with periodic strategy sessions in person, by email or by telephone, as deemed necessary as mutually agreed upon, to review and implement the plan. These services shall be available at no additional charge until the first anniversary of the Client Agreement. After the first year, we provide Financial Planning Services, as needed, and periodically update the Comprehensive Financial Plan to adjust it for changes in the client’s financial situation or investment objectives. Divorce Financial Analysis Services Our Certified Divorce Financial Analyst (CDFA®) will work in partnership with the client’s attorney and help analyze and understand how financial decisions made during the divorce or mediation process will impact the client’s financial future. In concert with legal advisors, we are able to provide support to litigators as well as become part of a Collaborative Divorce Team. We’ll help the client navigate the following: Gathering of financial data, including balance sheet, cash flow and tax information, assisting in the identification of financial goals, developing a budget, establishing retirement goals, and identifying and setting realistic lifestyle expectations. Investment Management Services Programs In addition to the Financial Planning Services we offer, the client can request that we implement the investment strategies, as recommended in the financial plan. The client investment strategies can be implemented through fee-based and/or non-fee-based programs provided through Raymond James & Associates, Inc. (“RJA”), a member of the Financial Industry Regulatory Authority (“FINRA”), the Securities Investor Protection Corporation (“SIPC”), and member of the New York Stock Exchange. Our investment recommendations are determined based on the client’s investment objectives, risk tolerance, net worth, net income, age, time horizon, tax situation and other factors. We determine the client’s investment allocation by utilizing an Investment Policy Questionnaire. The client’s financial advisor receives a portion of the fee the client pays for the accounts listed immediately below. For further information on wrap fee accounts, refer to the RJA Wrap Program Brochure available at https://adviserinfo.sec.gov. The programs offered to clients are listed below. Accounts Administered by Raymond James & Associates, Inc. We exclusively utilize RJA as the broker-dealer for the execution of a client’s securities transactions. Factors we consider when recommending RJA include RJA’s financial strength, reputation, execution, pricing, research, and service. Ambassador The Ambassador program is a wrap fee investment advisory account offered and administered by RJA. Law will manage the client’s account on a non-discretionary basis according to the client’s objectives. Ambassador offers the client the ability to pay an asset-based advisory fee, which includes transaction costs within the advisory fee in lieu of a commission for each investment transaction conducted in the account. Accounts Administered by Third Party Managers We may recommend the services of a Third-Party Investment Adviser (“TPA”) to manage the client’s portfolio through RJA. Any program we recommend that is offered through RJA will be consistent

with the client’s financial needs, investment goals, and risk tolerance. Upon the client’s selection of a TPA, we will monitor the performance of the TPA to ensure its performance and investment approach remains aligned with the client’s investment goals. The TPA is granted discretionary authority by the client to manage and invest the client’s assets. If we recommend a TPA through RJA, the client will receive written disclosure of the TPA’s fees and costs prior to the client’s assets being placed with the TPA. Below is a list of the TPA programs offered: Freedom The Freedom Account is a wrap fee investment advisory account which allocates the client’s assets through discretionary mutual fund or exchange-traded fund (“ETF”) management, based upon the client’s financial objectives and risk tolerance. The client appoints Law as the client’s investment adviser to select the investment strategy and monitor performance on a continuing basis. American Funds Model Portfolios Program The American Funds Model Portfolios Program (“American Funds Program”) is a mutual fund advisory service that provides our clients the opportunity to allocate assets among various asset classes that cover a variety of investment objectives. The American Funds Program invests exclusively in American Funds mutual funds. The client appoints Law as the client’s investment adviser to select the investment strategy and monitor performance on a continuing basis. Raymond James Consulting Services Program (“RJCS”) The client appoints Law as the client’s investment adviser to select certain portfolio managers, monitor performance of the client’s account and provide administrative services. Based upon the client’s financial needs and investment objectives, Law will assist the client in selecting an appropriate manager(s). Eagle High Net Worth Program (“EHNW”) The client appoints Eagle Asset Management as the client’s investment adviser. Eagle is managed by Raymond James Investment Management, a wholly owned subsidiary of Raymond James Financial. The client may select one or more investment objectives. Eagle will manage the client’s account on a discretionary basis in accordance with the client’s financial needs and investment objectives. Services provided to the client include assisting the client in choosing the appropriate Eagle objective, monitoring the client’s performance and administrative services. RJA no longer offers the EHNW program to prospective clients, as the investment disciplines available in EHNW are generally also available through the RJCS program. However, existing EHNW accounts continue to be managed under the pre-existing investment agreement with Eagle Asset Management. Raymond James Research Portfolios Program The Raymond James Research Portfolios (“RJRP”) Program offers clients a managed account investment choice that leverages the research services of Raymond James’ Equity Capital Markets and Equity Portfolio & Technical Strategy Group divisions. The client appoints Law as the client’s investment adviser to select the investment strategy and monitor performance on a continuing basis. Raymond James Multiple Discipline Account Program The Raymond James Multiple Discipline Account (“MDA”) Program offers our clients access to certain investment strategies developed by Portfolio Managers participating in the MDA Program. The MDA Program is comprised of several strategies from the same manager and allows the manager to adjust allocations to strategies based on market conditions. Law will recommend the appropriate portfolio based on the client’s financial needs and investment objectives and monitor performance on a continuing basis. Freedom Unified Managed Account The Freedom Unified Managed Account (“UMA”) Program is an investment advisory account which, like the Freedom Account, allows our clients to allocate assets through discretionary mutual fund or ETF management, based upon the client’s financial objectives and risk tolerance. Additionally, our client’s assets may be invested through affiliated or unaffiliated investment advisers (“Managers”) registered with the SEC with whom RJA has entered into a sub-advisory agreement. The client appoints Law as the client’s investment adviser to select the investment strategy and monitor performance on a continuing basis. Outside Manager Program The Outside Manager (“OSM”) Program provides investment advisory services to accounts managed by an unaffiliated investment adviser that is not available through the aforementioned RJCS programs. In the OSM Program, the client may receive discretionary investment advisory services from the OSM Manager, and trade execution, custodial, advisory, and other services from RJA. Wrap Fee Programs As noted above, Law participates in wrap fee programs sponsored by RJA. Wrap accounts charge one fee, which includes investment management fees and any transaction fees. Assets Under Management As of December 29, 2023, the Firm has $214,191,633 in total assets under management.