GARLIKOV ADVISORS, INC. provides investment advisory services. The majority of our clients give us discretion to trade their accounts. Clients may choose to follow our proprietary investment model (The GARLIKOV Model) or work with us to develop a personalized asset allocation strategy. Under The GARLIKOV Model, we trade accounts based on a capital preservation, conservative growth philosophy. Discretionary trades are based on technical indicators, fundamental analysis, and input from all members of the investment committee. GARLIKOV ADVISORS, INC. enters into trades under this model with a time horizon of greater than thirty (30) days. GARLIKOV ADVISORS, INC. does not “day trade”. Market events or circumstances may cause us to exit trades prior to thirty (30) days having elapsed. GARLIKOV ADVISORS, INC. specializes in managing assets inside variable universal life (“VUL”) insurance contracts. GARLIKOV ADVISORS, INC. found that assets inside VUL contracts are often neglected to the detriment of the policyholder, which is why the GARLIKOV Model was initially developed. The Model is designed to preserve policy cash values during volatile or uncertain periods, and grow cash values when opportunities are present. GARLIKOV ADVISORS, INC. recognizes and tracks the issues that may arise if policy cash values fluctuate similar to the equity markets. As of December 31, 2023, GARLIKOV ADVISORS, INC. has $188,985,907 of discretionary assets under management. GARLIKOV ADVISORS, INC. develops personalized investment

strategies for clients who choose not to follow the firm's discretionary model. GARLIKOV ADVISORS, INC., at the request of a client, may also complement this strategy by allocating a portion of the client's assets into a sector rotation strategy. Customized portfolios are available to insurance clients who have $100,000 or more in policy cash values. Donald E. Garlikov recommends Exchange Traded Funds (“ETFs”) mutual funds, and fixed income for clients with customized portfolios through his registration with TLG Advisors, Inc. GARLIKOV ADVISORS, INC. does not recommend individual stocks. Clients with discretionary or customized portfolios may consult with GARLIKOV ADVISORS, INC. on certain restrictions (client-based restrictions) they would like to impose on their accounts. GARLIKOV ADVISORS, INC. retains discretion when determining whether or not to impose the client-based restriction. GARLIKOV ADVISORS, INC. is likely to grant the client’s request where the client has a customized portfolio. Any such client-based restrictions must be recorded in writing either in the client’s investment management agreement or with a separate written correspondence acknowledged by GARLIKOV ADVISORS, INC. Other services offered: GARLIKOV ADVISORS, INC. provides charitable asset management. GARLIKOV ADVISORS, INC. has existed since 1982 and is 100% owned by Donald E. Garlikov. Mr. Garlikov is an active participant of the GARLIKOV ADVISORS, INC. investment committee and is involved in the GARLIKOV ADVISORS, INC. day-to-day business operations.