Ciccarelli Advisory Services Inc. (“CAS”) was founded with the goal of assisting our clients in every aspect of their financial life. After four decades, that goal is still our vision. We strive to create financial stability and independence for our clients and take a family focused approach to caring for each and every client. We have been an SEC registered Investment Advisor since 1984 and manage, as of September 30th, 2023 $1,148,449,416 of assets on a non-discretionary basis. As such, CAS provides investment advisory services in a fiduciary capacity in accordance with the Advisers Act; the Employee Retirement Income Security Act of 1974 (“ERISA”); and such other governing laws as may be applicable within our particular relationship with you. The principal owners of the firm are co-founders Kim Ciccarelli Kantor, President; and Raymond F. Ciccarelli, Vice President. Each of our Advisory Associates may offer all or any combination of the advisory services and programs described herein to our clients (“you”), depending upon your unique situation and goals and to the extent specifically requested by you. Prior to engaging Ciccarelli Advisory Services to provide advisory services, you will be asked to enter into a Ciccarelli Advisory Services Client Agreement with CAS setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the relevant fees and fee-paying arrangements. COMPREHENSIVE FINANCIAL MANAGEMENT In general, services will begin with a comprehensive financial management plan tailored to each prospective CAS client. The planning process is organic and involves a close review of existing financial positions of each prospective client and an investment plan for each client. However, each client’s situation is unique and, as a result, financial plans vary in length and scope and in certain instances are foregone in their entirety. Once the financial plan is mutually agreed-upon we begin to implement the plan. On an ongoing basis we will meet with you to review your financial journey. In order to fully prepare a financial plan, we engage with you in a series of meetings. In these meetings, we review your goals and investment objectives and formulate a plan that addresses some or all of the following key issues: financial management; financial independence; cash flow and budgeting; income tax planning; investment planning; risk management; estate planning; legacy planning; and business succession planning. We focus on the specific personal goals articulated by you, including, for example, how to achieve and maintain financial independence, funding for children’s college education and/or providing adequate funds for dependents in the event of death or disability. Each prospective client is expected to provide complete information in all relevant areas. Careful consideration is given to subjective factors such as your prior investment experience; ability and desire to manage your assets; your tolerance for risk; and familiarity with various investment vehicles. The goal is to determine the optimum course of action necessary to assist in realizing your short-term and long-term objectives. We will then develop and propose a financial plan designed to meet your goals. CAS recommends its full financial planning services only to those clients whose needs and financial circumstances warrant such services. In other instances, for those clients who either do not need or desire comprehensive financial planning services, CAS offers investment-only services. As part of this service, an advisor will analyze your current investment portfolio and will, as necessary, make recommendations relative to the portfolio and its holdings. Those recommendations are based on your stated investment goals, objectives, time horizon, and risk tolerance. Similarly, some clients benefit from only receiving financial planning services. As part of this service, we analyze your financial situation and prepare a financial plan for you but do not provide specific investment recommendations or ongoing investment advisory/management services to you. Non-Discretionary Investment Management CAS manages client assets on a non-discretionary basis; each client must approve each recommendation before a specific trade can be placed. Following the initial implementation, we review and monitor your portfolio for adherence to the agreed-upon securities. Recommendations are based on your particular needs and goals. From time to time, we may recommend

changes to the underlying securities to rebalance the portfolio, recommend removing securities that no longer meet your goals and objectives, and address other changes to your financial situation. Tax Reduction Planning Our tax reduction planning services may include a comprehensive review of your tax return to identify and maximize tax reduction strategies, communication with your CPA to maximize opportunities, complimentary consultation with your tax preparer, recommendations of tax solutions including tax advantaged investments, and staying up-to-date on and presenting new tax laws unique to your situation. Retirement Income & Distribution Planning Our retirement income and planning services may include analysis of your current and future income needs, analysis of potential tax liabilities, ongoing development and implementation of recommendations to fund your cash flow needs, recommendations for distribution of your employer retirement plans, qualified plans, and IRAs; and analysis of the beneficiaries of your IRAs to compliment your estate plan. Family Wealth and Protection Planning The family wealth and legacy planning services that we offer may include analysis of your existing estate plan and addressing the most current inheritance tax regulations, complimentary consultation and ongoing communication with your attorney, assistance in transferring your assets to trusts designed for your unique family circumstances, providing guidance on the appropriate and necessary steps in the event of the death of a loved one, review of beneficiary designations and asset titling; solutions to help you meet your needs for long-term care, disability, and life insurance protection; philanthropic planning to perpetuate your legacy and foster your passions and relationships, and generational planning to assist your heirs in developing financial literacy and leadership skills. Retirement Plan Consulting Services We provide retirement plan consulting services to employee benefit plans and their fiduciaries. The services are designed to assist the plan sponsor (hereafter the “Company”) in meeting their management and fiduciary obligations to the plan under the Employee Retirement Income Securities Act (“ERISA”). Retirement consulting services will consist of general or specific advice, and may include any one or all of the following: strategic planning and investment policy development/review; plan review; plan cost and fee review; third party service provider liaison; assessment of investments; and participant education and communication. The Company may also engage Ciccarelli Advisory Services to provide additional services for separate compensation which may include plan conversion; executive benefits review; and coordination with other advisors, tax, accounting, or legal counsel. We do not render legal, tax, nor accounting advice or prepare any legal documents for you. Your personal attorney will be solely responsible for providing legal advice, legal opinions, legal determinations, and legal documents. Your personal tax advisor or accountant will be solely responsible for any tax or accounting services provided to you. Advisory Insurance To round out our comprehensive financial planning services, we can also offer you investment advisory insurance product options in the form of fixed or variable annuities. This fee-based relationship is designed to allow the custodian to debit your advisory fees directly from your contract on a tax-favored basis. This means that when your management fees are drawn directly from your contract no surrender period or withdrawal charges apply. The sub-accounts chosen under this program are designed to meet your individual needs, stated goals, and investment objectives. Additionally, you have the opportunity to place reasonable restrictions on the types of investments to be held in your portfolio. When you choose an advisory insurance option, we work with you to determine your risk profile and investment objectives. Upon determining the design of your investment program, your Advisor will make recommendations regarding the specific types of securities held in the portfolio, the asset allocation program, and the frequency of rebalancing. A complete description of the programs, services, fees, payment structures and termination features is available via the applicable disclosure brochures, investment advisory contracts, and account opening documents.