Firm Description Curtis & Bissonette, Inc., hereinafter referred to as C&B or the Firm, began operations on October 17, 1988 as a Registered Investment Advisory firm, registered with the Securities and Exchange Commission (SEC). The Firm is headquartered in Lake Placid, New York and maintains ongoing registration as an advisory firm in the State of New York. The Firm provides personalized confidential financial planning, asset management and related consulting services to individuals, high net worth individuals, pension and profit-sharing plans, trusts, charitable organizations and small businesses. Recommendations to clients are made based on consultation with the client and analysis of each client’s specific financial needs. Provided services may include the following:
• Determination of financial objectives
• Identification of financial problems
• Cash flow management
• Tax planning
• Insurance review
• Investment management
• Education funding
• Retirement planning
• Estate planning While C&B is a fee-based advisory firm, some advisors of C&B are Registered Representatives of Cadaret, Grant & Co., Inc., a FINRA and SIPC member securities broker/dealer, separate from their role as fee-based advisors of the Firm. As such, they are permitted to conduct separate, commission-based brokerage transactions for clients through non-advisory brokerage accounts held through Cadaret, Grant. These transactions may include, but are not limited to, trading activities in commission-based products such as annuities, insurance, stocks, bonds, exchange traded funds, open- and closed- end mutual funds and limited partnerships. Cadaret, Grant also serves as Introducing Broker for C&B’s advisory clients utilizing the Firm’s asset management services through Pershing LLC or other qualified custodial platforms. As such, advisors of C&B route trading transactions via Cadaret, Grant to Pershing’s trading desk utilizing Pershing’s NetX360® system. C&B does not act as a custodian of client assets. Instead, custody of advisory client accounts is maintained by Pershing, LLC, hereinafter referred to as Pershing, which is also a FINRA and SIPC member firm. C&B may, to better serve specific client needs, recommend to its clients the use of other custodians, with the client retaining the discretion to accept such recommendations. Investment advisory services are provided to clients on either a discretionary or non-discretionary basis. Discretionary accounts permit our advisors to select the types and amounts of securities traded and the timing of transactions without prior consultation with the clients, yet the clients always retain control of their assets. Discretionary authorizations are contained within the advisory agreements signed by the clients upon retaining the services of the Firm. Non-discretionary accounts require the advisor to review with the client and gain approval of all trading activities from the client prior to trade executions. A written evaluation of each client's initial situation is provided to the client, often in the form of a net worth statement. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews may occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) may be engaged directly by the client, on an as-needed basis. Conflicts of interest will be immediately disclosed to the client in the unlikely event they should occur. The initial meeting with prospective clients, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Principal Owners Gwyn-Anne Bissonette is the sole owner of C&B, retaining 100% of its ownership interest. Types of Advisory Services C&B provides both investment supervisory services, also known as asset management services, and financial planning or consultative services to its clients. Asset management services may entail the active or passive management of investment accounts, furnishing of investment advice through consultations with clients, issuing periodic newsletters or special reports to its clients about securities and market conditions or trends and evaluating securities held by clients to foster an understanding of their assets relative to their stated goals and objectives. Financial planning services are provided to clients to assist them in pursuing both short- and long-range financial goals. This is accomplished through a process of collecting client information about the client’s current financial condition, clarification of their goals, identification of their past efforts and current abilities in pursuit of their goals and ongoing progress reviews relative to any actions taken. On more than an occasional basis, C&B furnishes consulting services to clients on matters not involving securities, such as taxation, trust management and estate planning. In this area, the Firm does not act in the capacity as a tax or legal advisor to its clients nor does it generally provide the client with written reports or recommendations. The Firm is compensated for its advisory services to clients through asset management, based on a percent or assets under management, or through advisory fees, which may be fixed or hourly fees depending on the types of services elected by the clients. As previously stated, asset management clients can grant us discretionary powers which permit the execution of transactions on the client’s behalf without consulting with or obtaining consent from them in advance of the transactions. As of December 31, 2023, the end of its last completed fiscal year, C&B was managing $47,387,453 in assets for thirty-one (34) advisory clients in sixty-eight (67) accounts. Of these assets, $44,235,548 was managed on a discretionary basis and $3,151,905 on a non-discretionary basis. Tailored Relationships The goals and objectives for each client are documented in our client relationship management system. Investment strategies are then created that reflect the stated goals and objectives of each client. Clients may impose restrictions on investing in certain securities or types of securities. Accounts are reviewed with clients at least annually. Types of Agreements Prior to engaging C&B’s services, clients are required to sign an agreement which defines the services that will be provided by the Firm. The following agreements define the typical client relationships between C&B and its clients. Agreements may

not be assigned or transferred to parties other than the original clients entering into the agreements. Since C&B does not maintain custody of client assets, however, separate agreements may also need to be executed between custodial firms and the client, in addition to the agreements of the Firm described below. Since neither C&B nor its advisors act as attorneys, their recommendations should not be interpreted as legal advice. Financial Planning and Consulting Service Agreement Information regarding a client’s personal and financial situation and objectives is collected by the advisor through a confidential interview process. This data is analyzed and a written financial plan, with specific recommendations, is presented to clients if and when appropriate to do so. Financial planning services may address any or all of the following client concerns:
• Estate and Gift Planning
• Education Planning
• Investment Management
• Retirement Planning
• Comprehensive Financial Planning
• Risk Management (insurance issues)
• Other Non-investment Related Matters A financial plan may include, but is not limited to a net worth statement, cash flow statement, review of investment accounts including reviewing past asset allocations, providing asset repositioning recommendations, strategic tax planning, education planning with funding recommendations, review of retirement accounts and plans including recommendations and one or more retirement scenarios, review of insurance policies and recommendations for changes, if necessary and an estate planning review with related recommendations. While the Firm doesn’t provide legal or accounting advice relative to its financial plans, it may act as a facilitator in these areas between clients and their legal and/or tax advisors relative to the recommendations made in a financial plan. Detailed investment advice and specific asset management recommendations are normally provided as part of a financial plan. Implementation of the Firm’s recommendations is at the discretion of the client and may be implemented with either C&B or with a financial advisor of the client’s choosing. Consulting services may be provided to clients regarding other financial-related concerns in situations where detailed or comprehensive financial planning is either not necessary or not desired. Common areas of concern addressed by these services may include, but aren’t limited to the following:
• Education planning
• Simple investment planning
• Death, disability and retirement planning
• Tax planning
• Net worth, cash flow and financial position
• Risk management (insurance)
• Other investment or non-investment issues Estate planning Asset Management Services Most clients choose to have C&B manage their investable assets in order to obtain ongoing in-depth advice and life planning. All aspects of the client’s financial affairs are reviewed, including those of their children. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. Based on specific client objectives and suitability factors, the advisor will execute an advisory agreement with the client which focuses primarily on either income generation or growth of equity assets. The scope of services and related fees are provided to the client in a written agreement at the time the Firm is hired. C&B’s Investment Advisory Agreement provides for consideration of the following issues in conjunction with the Firm’s asset management services:
• Cash Flow Management
• Periodic Net Worth Reviews
• Risk Management (Insurance Issues)
• Asset Investment Strategies
• Education Planning
• Retirement Planning
• Tax Planning
• Estate Planning Advisory services are seen as ongoing and agreements are self-renewing unless terminated by either the client or the Firm. Fees and terms within the agreement, however, may be adjusted periodically to serve the client’s ongoing needs. Clients are notified in writing of any adjustments to their agreements. Retainer Agreement C&B may, at its discretion, charge a retainer to clients for financial planning, consulting and/or asset management services. Should it do so, the retainer terms will be clearly stated in the agreement signed by the client. Asset Management C&B requires a minimum account value of $250,000 to open or maintain an asset management relationship. Advisors generally recommend that clients allocate their investment assets to various vehicles deemed by the advisor to be appropriate and consistent with the client’s suitability and objectives. These investment vehicles may include, but are not limited to, exchange-listed securities, foreign securities, corporate debt securities, certificates of deposit, municipal securities, variable annuities, mutual funds, variable universal life insurance, exchange-traded funds, and U.S. Government securities. Additionally, will provide advice on existing investments you may hold at the inception of the advisory relationship or on other types of investments for which you ask advice. Fees related to investment vehicles are clearly identified to the client, either by the advisor or by prospectus, prior to investing. C&B does not participate in Initial Public Offerings (IPOs) or Private Placements within advisory client accounts. As previously stated, securities transactions in advisory accounts are executed through Pershing, C&B’s advisory account custodian. Other brokerage firms, broker/dealers and/or custodians may be utilized if requested by the client or deemed more appropriate by the advisor and approved by the client. Under client-directed brokerage circumstances, however, clients are advised that their direction may hinder C&B’s ability to achieve best execution on trades or negotiate commissions which could be beneficial to the client. Termination of Agreements Either C&B or the client may terminate any of the advisory service agreements at any time by notifying the other party in writing thirty (30) days prior to the termination date. C&B will be entitled to bill fees up to the termination date. Clients will be promptly refunded any prepaid, unearned fees upon termination. In addition, C&B reserves the right to terminate any advisory engagement where a client has willfully concealed or has refused to provide pertinent information about financial situations when necessary and appropriate, in C&B’s judgment, to providing proper financial advice. Any unused portion of fees collected in advance will be refunded to the client.