FAM offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to FAM rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with FAM setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). FAM has been registered as an investment adviser since 1986 and is owned by Scott M. Kahan and Viktoria Kamin. As of December 31, 2023, FAM had $341,301,033 assets under management, $303,282,169 of which was managed on a discretionary basis and $38,018,864 of which was managed on a non-discretionary basis. While this brochure generally describes the business of FAM, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on FAM’s behalf and are subject to the Firm’s supervision or control. Financial Planning is the process of meeting your life goals through the development and proper management of your financial resources. Life goals may include buying a home, saving for college, planning for retirement, or wealth accumulation. The Firm’s services include both Financial Planning and Investment Management on an ongoing basis. Financial Planning and Consulting Services Financial planning is an all-inclusive process, requiring review and analysis of all aspects of a client’s financial situation that can include: Cash Flow; Tax Planning; Retirement Planning; Education Planning; Estate Planning; Investment Analysis; and Insurance Review. The financial planning process consists of a series of steps taken to help the client accomplish their goals. 1. FAM works with the client to identify their objectives; 2. FAM gathers the information pertinent to the client’s overall financial situation such as income, expenses, taxes, insurance coverage, retirement plans, investments, wills and trusts; 3. FAM reviews the client’s current financial situation based upon the information gathered; 4. FAM provides recommendations and strategies for achieving the client’s goals; 5. FAM assist the client in implementing the recommendations; Page | 5 © MarketCounsel 2024 6. FAM monitor the plan on an on-going basis for needed changes In performing these services, FAM is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. FAM recommends certain clients engage the Firm for additional

related services and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage FAM to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all implementation of financial planning and consulting decisions and are under no obligation to act upon any of the recommendations made by FAM. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising FAM’s recommendations and/or services. Investment Management Services FAM provides clients with discretionary and/or non-discretionary management of investment portfolios along with the broad range of financial planning and consulting services discussed above. FAM primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities, commercial paper, and certificates of deposit in accordance with their stated investment objectives. Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. These positions may not be maintained at the client’s primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. FAM tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. FAM consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify FAM if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if FAM determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Page | 6 © MarketCounsel 2024