Coyle Financial Counsel, LLC (“Coyle” or the “firm”) is an SEC registered Investment Advisory firm, with the following beneficial owners: Coyle Holdings, LLC (owned by Gary W. Klaben and Kevin T. Coyle), Adam R. Blonsky, and John G. Finley. Coyle’s principal office and place of business is located at 2700 Patriot Blvd., Suite 440, Glenview, IL 60026. Regular business hours are from 8:30 am – 5:00 pm Monday thru Friday. The firm can be contacted by phone at 847-441-5644 and by fax at 847-441-5258. Coyle has one branch office: 12381 S. Cleveland Ave., Suite 200, Fort Myers, FL 33907. Founded in 1972, Coyle provides three basic services to advisory clients: Discretionary Asset Advisory Services, Non-Discretionary Asset Advisory Services, and Wealth Advisory Services. Each of these separate services are further described below as well as in the applicable Advisory Contract. Services are provided to individuals, families, retirement plans, trusts, estates, charitable organizations and/or other business entities. As of 12/31/2023, the firm managed $723,186,255 of discretionary client assets and $99,857,880 of non-discretionary client assets. Financial Assessment Services Coyle shall provide Client with services with respect to such facets of Client’s financial situation as provided in the Financial Assessment Agreement or as specifically requested by Client and outlined by Coyle (the “Assessment Services”). The Assessment Services include the following: Step 1: Current Financial Assessment. The first step of the Financial Assessment Service (FAS) is to provide the Client with a thorough and detailed understanding of their current financial situation. Through broad discussion, detailed fact-finding and thoughtful consideration, the goal is to assist the Client in assessing their preparedness toward achieving their short-term, intermediate, and long-term financial objectives. Step 2: Projections. After reviewing the Client’s current financial situation, Coyle will filter the various details of the Client’s financial picture into a projection showing how it may evolve in the future under the assumptions of its current configuration. Coyle and the Client will assess the Client’s preparedness for achieving their goals together, considering areas for potential improvements and evaluate potential action steps. At this stage of the process, other professional advisors (e.g., the Client’s attorney, accountant, insurance agent, etc.) may need to be consulted to assess the viability of alternatives being considered. Please note that Coyle cannot provide any tax or legal advice or opinions. Step 3: Recommendations. Once projections based upon current circumstances are complete, Coyle will then summarize its recommendations and provide an alternate projection incorporating potential changes. Coyle will then compare each of these projections and review them with the Client. The ultimate goal of the FAS is to assist the Client in understanding alternatives that may enhance their ability to achieve their objectives, provide clarity on how such planning initiatives could be implemented and introduce processes to consider that may prove beneficial as the Client continues to work toward achieving desired objectives. The Client will have complete discretion regarding what recommendations from the FAS to implement, if any, as well as who the Client wishes to retain to assist them in any such implementation. The FAS does not include follow-up assistance or ongoing coordination related to the implementation of any recommendations resulting from this service. In such circumstances, separate engagements between the Client and Coyle are required. Discretionary Asset Advisory Services The Investment Advisory services Coyle provides consists of the purchase and sale of securities and management of accounts for clients. Services typically include: 1. Establishment and ongoing review/adjustment of Investment Objectives 2. Establishment and adjustment of overall asset allocation strategy 3. Selection, review and evaluation of investment portfolios 4. Performance analysis and evaluation 5. Portfolio rebalancing 6. Strategic risk management Coyle provides investment strategies that employ tactical and strategic asset allocation approaches to the management for its discretionary accounts as further described in Item 8 of this brochure. Coyle’s discretionary asset advisory

services are predicated on the client's investment objectives, goals, tolerance for risk, and other personal and financial circumstances. Coyle will analyze each client's current investments, investment objectives, goals, age, time horizon, financial circumstances, investment experience, investment restrictions and limitations, and risk tolerance and implement a portfolio consistent with such investment objectives, goals, risk tolerance and related financial circumstances. In addition, Coyle may utilize third-party software to analyze individual security holdings and separate account managers utilized within the client’s portfolio. Clients have the right to provide the firm with any reasonable investment restrictions that should be imposed on the management of their portfolio (to be noted on the client agreement), and should promptly notify the firm in writing of any changes in such restrictions or in the client's personal financial circumstances, investment objectives, goals and tolerance for risk. Coyle will remind clients of their obligation to inform the firm of any such changes or any restrictions that should be imposed on the management of the client’s account. Coyle will also contact clients at least annually to determine whether there have been any changes in a client's personal financial circumstances, investment objectives and tolerance for risk. Non-Discretionary Advisory Services Coyle provides Non-Discretionary services for clients including managing assets in variable contract subaccounts. The scope of this non-discretionary service may include individual account and/or overall portfolio consulting and advice, consolidated reporting and assistance in the development of investment policies, guidelines, and objectives, the selection of managers (which may or may not include Sub-Managers), performance monitoring and manager evaluations and searches. Coyle may retain the services of other investment advisers specializing in manager searches, monitoring, and evaluation. Use of Sub-Managers Coyle also offers individual account management investment programs that are managed by Sub- Managers which clients may select to include in their overall investment plan by completion of the applicable Investment Approach designation. These Sub-Managers contracted with Coyle to provide separate account investment. The fees charged by Sub-Managers are in addition to Coyle’s fees. These Sub-Managers may (subject to written client consent) execute transactions for Coyle clients through the Custodian Coyle currently uses: Schwab Institutional (“Schwab”), a division of Charles Schwab & Co., Inc, a FINRA registered broker/dealer, member SIPC. Financial, Wealth and Family Consulting Services Coyle provides various levels of ongoing consultative services on a fee basis. Such services and the sub-service components comprise three (3) major areas: Planning, Coordination and Investment Advice, Consulting & Administration. The scope of and fee for such services and sub- service varies according to the complexity of the client’s personal, family, business, investment and estate affairs. Project-Based Services Coyle provides various limited scope project-based services on a fee basis. The fee for such services varies according to the project scope. The fee and scope for a particular project is jointly agreed upon between Coyle and the client. The areas that Coyle may provide Wealth Advisory or Project-Based Services may include the following: 1. Comprehensive Financial Planning 2. Investment Research and Administration 3. Asset Allocation and Portfolio Management 4. Cash Flow Management 5. Record Keeping & Reporting 6. Comprehensive Financial Reporting 7. Risk Management 8. Tax & Compliance 9. Business Planning 10. Lifestyle Management 11. Estate Planning and Administration 12. Strategic Philanthropy & Administration 13. Family Meetings & Education 14. Family Legacy Planning Coyle does not provide tax or legal advice. Monthly Subscription Services Coyle offers a variety of topics designed for individuals who are in various stages of the wealth cycle (i.e., Initiators, Accelerators, and Accumulators). These services may include important information regarding cash flow management, budgeting, a variety of financial planning topics such as insurance, executive compensation, tax planning, investments, risk, education planning and a variety of reporting services.