Firm Description MCS Family Wealth Advisors (MCS) offers asset management, personal financial planning and family wealth counseling to individuals, families, pension plans, business owners and family businesses. We specialize in providing hard-to-break wealth management strategies for high-net-worth clients. MCS offers informed and objective, yet highly personalized services, which may include asset management; retirement, estate, fringe benefits, education, charitable goals or special needs planning; family business issues including succession; expert witness testimony; and family business or family wealth diagnostic tools. MCS is an independent, privately owned, fee-only wealth management firm and was founded in 1991 by Michael C. Stalker, CFA. MCS employs Michael Stalker and Jeff Yamada, a Certified Financial Planner® professional. MCS outsources most of its non-professional tasks to specialists in fields such as accounting, human resources, and operations. This structure allows our advisors to focus their attention on professional services to our clients. Independent means that we work for the client. MCS does not represent or work for any other financial institution or firm. Clients receive unbiased, individually tailored recommendations based solely on their personal and financial needs and goals. Fee-only means that clients compensate MCS directly for our services and all of our charges are clearly disclosed. We are not influenced by potential commissions or referral rewards. Our financial philosophy is based on research that shows conservative risk- taking often leads to greater wealth accumulation than aggressive risk-taking. We strive to produce more predictable results by narrowing the range of possible outcomes. Our approach promotes consistent long-term asset growth. We manage risk to increase wealth® for our clients. The professionals at MCS take a pragmatic approach to achieve the best possible outcome. We designed our approach to reduce the volatility of returns, and our mission is to Transform money from a source of worry to a resource for fulfillment®. MCS asset management clients engage independent custodians, such as Charles Schwab & Co., and MCS obtains a limited power of attorney from each independent custodian to provide portfolio management services. Clients receive account statements from both their independent custodian and MCS. Firm History MCS Family Wealth Advisors was founded in 1991 by Michael C. Stalker, who began his financial career in 1983 as a stockbroker for NYSE member Newhard, Cook & Co. Michael soon came to realize that the interests of financial service companies often conflicted with the financial goals of the client. He saw that many clients needed more than mere brokerage services (i.e. facilitating the purchase of investment products). Clients needed unbiased investment advice from someone who would act in their best interests. In 1988, Michael earned the Chartered Financial Analyst designation, and began managing client investment assets in a fiduciary capacity in 1991. As the financial planning profession grew, Michael realized that many of his clients required services that went beyond asset management. In 1998, Michael met the requirements to hold the Certified Financial Planner® designation, and since 2003 Michael has employed Certified Financial Planner® professionals on his staff. MCS is an independent, fee-only firm. Types of Advisory Services MCS provides investment supervisory services, also known as asset management services or investment management services, and comprehensive financial planning services. These services are described in more detail in the “Types of Agreements” section of this brochure. Occasionally, MCS furnishes advice to clients on matters not involving securities, such as individual components of financial planning (including, but not limited to: retirement planning, estate planning, tax planning, or education planning), expert witness, business consulting, and family wealth consulting services. MCS also receives income from administering the Aspen Family Business Inventory, an assessment used in family business consulting. Sub-Advisors As part of our investment advisory services, we may use one or more sub-advisors to manage a portion or all of your investments on a discretionary basis. The sub- advisor(s) may use one or more model portfolios to manage your account and/or they may design a custom portfolio. We will regularly monitor the performance of your accounts managed by the sub-advisor(s), and may hire and/or fire any sub- advisor or re-allocate your assets without your prior approval based on you granting our firm discretionary authority. Upon entering into a Statement of Understanding with us, you authorize us to use sub-advisor(s) to service your account. You agree to allow us to share non-public, personal information with the sub-advisor for the purpose of administering and managing your account. We require any sub-advisor to execute a confidentiality agreement and not share Client information with any unauthorized person or entity. If a sub-advisor is utilized for your account, you will incur additional advisory fees. On your behalf, MCS will exercise its best efforts to negotiate the lowest sub- advisory fee available. You will be required to execute a limited power of attorney (“LPOA”) with MCS authorizing the sub-advisor to trade securities in your account, deduct its fee directly from your brokerage account, and granting MCS the power to open one or more separate brokerage accounts for the sub- advisor(s) at the custodian. Principal Owners The Restated Stalker Family Trust is the sole owner of MCS Financial Advisors, LLC, dba MCS Family Wealth Advisors. Amount of Assets Under Management As of 12/31/2022, MCS manages approximately $146,775,000 in assets for 68 clients. All assets are managed on a discretionary basis. We Do Not Participate in Wrap Fee Programs MCS does not sponsor, nor has it ever sponsored, any wrap fee program. A wrap fee program is defined as any advisory program under which a specified fee or fees not based directly upon transactions in a client’s account is charged for investment advisory services (which may include portfolio management or advice concerning the selection of other investment advisers) and the execution of client transactions. Agreements and Compensation The following agreements define the typical client relationships. Investment Management Agreement The financial needs of each person, each family, and each business are unique. We learn as much as we can about a client’s situation - financial status, lifestyle, values, and goals. This attention to each individual allows the professionals at MCS to provide effective investment selection and ongoing care of the investment portfolios under our management. A Statement of Understanding is executed by the client and Michael Stalker for all Asset Management engagements. MCS provides investment management services on a discretionary basis. Investment Management Fees The annual fee is subject to a $19,000 per client per year ($4,750 per quarter) minimum. Client accounts may be aggregated for fee calculation purposes. Where an exception to this minimum is granted for grandfathered Clients or for family members of Clients or employees, the minimum annual Fee may be expressed as 0.95% of assets with lower annual minimum amounts or, for Allied Professionals (defined as an attorney, tax professional or consultant with whom MCS shares, or shared, a client), 0.95% of assets with a $9,500 annual

minimum fee. In any case, the annual fee will not exceed 3% of the value of assets under management. Fees for portfolio advisory and management services are based on the account market value, prorated for any cash flow, at the end of each quarter. If the management of the Account commences at any time other than the beginning of a calendar quarter, the first quarterly fee shall be the greater of the prorated minimum quarterly Fee, or the prorated cash flows occurring during the quarter times the above scheduled percentages. Fees are deducted directly from Client’s brokerage account upon separate written authorization, unless Client requests to pay by check. Clients who pay by check are mailed an invoice. Payment of fees may result in the liquidation of Client’s securities if there is insufficient cash in the Account. If Client assets are invested in mutual funds, Client may be required to pay, in addition to the Adviser’s fee, a proportionate share of the mutual fund’s fees and charges. Clients are responsible for fees charged by their custodian, such as trade commissions, wire transfer fees, special custody fees, etc. Our fee schedule is as follows: First $2,000,000: $19,000 annually Next $3,000,000: 0.85% Next $5,000,000: 0.70% Balances over $10,000,000: Negotiable Comprehensive Financial Planning Agreement A comprehensive financial plan is designed to help clients with the major aspects of their finances and does not require investment management after the financial plan is completed (although asset management may be part of the engagement). Comprehensive financial planning services are outlined in the Financial Planning Engagement Letter. The financial plan may include, but is not limited to: a SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis; a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice and specific recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. Financial Planning Fees The estimated fee for a financial plan is based upon the facts known at the start of the engagement. Fees are computed at an hourly rate of $300 or $400 (depending on the advisor), and the final cost generally runs between $7,000 to $10,000 for a personal financial plan and $12,000 to $25,000 for a financial plan for business owners. Fees are billed monthly in arrears, and clients are required to make an initial payment of $2,500 before a comprehensive financial planning engagement begins. Since financial planning is a discovery process, certain financial exposures or predicaments may be brought to the client’s attention. Once identified, additional time and expense may be needed to address these issues. Also, clients impact the overall cost of the financial plan by providing accurate and complete information, making financial plan development less time consuming. After delivery of a financial plan, future face-to-face meetings may be scheduled as necessary. Should the client wish to engage MCS to assist in implementation of planning recommendations, this service can be performed at a reduced rate of $225 per hour (see Hourly Planning Engagements). Hourly Planning Engagements In certain circumstances financial advice that falls outside of our asset management or comprehensive financial planning services may be provided at the request of the client. This may include personal or corporate business and financial matters not involving securities, such as acting as an expert witness in securities litigation cases, insurance consultation, succession planning, estate planning, etc. These services are computed at an hourly rate as services are delivered and are invoiced monthly. Hourly rates are:  Family Business / Wealth Counseling $400  Chartered Financial Analyst (CFA) $400  CERTIFIED FINANCIAL PLANNER® (CFP®) Professional $300  Expert Witness Engagement $500  Concierge / Financial Plan Implementation $225 Family Business Consulting and Business/Practice Consulting may be billed on an hourly, project or per diem basis. Rates vary by scope of the engagement. MCS does not provide investment management or investment allocation advice on a stand-alone, hourly basis. Securities investment supervision on a fiduciary basis involves continuous, ongoing monitoring of client assets, and advice given today could be impacted dramatically by tomorrow’s events. Termination of Agreement A Client may terminate the Comprehensive Financial Planning or Hourly Planning Engagements at any time by notifying MCS in writing and paying the outstanding hourly charges for the time spent on the engagement prior to notification of termination. If the client made an advance payment, MCS will refund any unearned portion of the advance payment. MCS may terminate any of the aforementioned agreements at any time by notifying the client in writing. If the client made an advance payment, MCS will refund any unearned portion of the advance payment. Conflict of Interest Management MCS limits potential conflicts of interest in the following ways:  We are independent – no other firm owns MCS, nor does MCS own other financial firms. We are not affiliated with a brokerage firm, an insurance firm, a bank, or any other financial institution that would directly or indirectly compensate us for our clients’ business  We do not participate in Wrap-Fee programs  We do not manage or act as principal in any private investment funds  We do not sell insurance or other financial products for a commission  We do not act as principal and sell securities that we own to our clients  We do not have performance fee arrangements  We do not enter into “Soft Dollar” agreements with brokers  We do not participate in revenue-sharing arrangements  We neither pay nor receive client referral fees A potential conflict of interest arises when our Investment Management clients engage us for financial planning. Any financial planning advice that increases assets under our management will increase the investment management fee, and any advice that decreases assets under our management will decrease the management fee. The types of questions which could give rise to this conflict are questions such as: whether to pay off or pay down a home mortgage; whether to take a lump sum or an annuity from a pension plan; and whether to invest or maintain investments in assets that we will not manage. We strive to maintain a high degree of objectivity and to ensure that our advice is not based on these considerations. However, the potential for conflict of interests exists, and investment management clients should be aware of that fact as they consider our financial planning recommendations. Performance-Based Fees Performance-based fees are fees based on a share of capital gains on or capital appreciation of the assets of a client (this formula is common in hedge funds or other pooled investment vehicles), usually in comparison to a market benchmark index. MCS believes that performance-based fees may provide an incentive to favor riskier investments that are more likely to produce volatile returns, a result anathema to our investment philosophy. MCS does not charge performance-based fees.