William Mack & Associates, Inc. (“WMA” or “Adviser”) is a fee-only Registered Investment Adviser. WMA’s registration was granted by the U.S. Securities and Exchange Commission (“SEC”) on September 3, 1992. William Mack (CRD Number 1434254) is the President of the Adviser and owns 80% of the equity of the firm. Theodore Karl Bugenski (CRD Number 2167202) is Vice President of the Adviser and owns 20% of the equity of the firm. Dave Dickinson (CRD Number 1688810) is the firm’s Chief Compliance Officer. The firm is not publicly owned or traded. There are no indirect owners of the firm or intermediaries, which have any ownership interest in the firm. The term “fee-only” means WMA and its Adviser Representatives are compensated for services via advisory fees paid by clients. WMA and its Adviser Representatives do not accept brokerage or insurance commissions. “Adviser Representatives” are those persons registered and authorized by WMA to provide financial and investment advisory services on behalf of WMA. WMA is not a broker/dealer or custodian. Client assets are managed on an individualized basis. WMA does not sponsor or manage any wrap programs. As of December 31, 2023, the firm managed, on a discretionary basis, $752,583,000 of client assets which represented 849 accounts and managed, on a nondiscretionary basis, $2,200,000 which represented 3 accounts. WMA may offer a complimentary general consultation to discuss financial and investment advisory services available; to give a prospective client an opportunity to review services desired; and to determine the possibility of a potential Client-Adviser relationship. WMA and its Adviser Representatives may recommend the services of WMA. Clients are never obligated to engage services after the complimentary consultation. Services begin only after the client and Adviser formalize the relationship with a properly executed Client Agreement. After the formal engagement and depending upon the scope of the engagement, the Adviser and client will share in a data gathering and discovery process in an effort to determine the client’s needs, goals, intentions, time horizons, risk tolerance and investment objectives, based upon information provided by the client and the nature of services requested. The client and Adviser may complete a risk assessment, investment policy statement or similar document, depending upon the nature of services to be provided. Investment Management and Planning Services WMA offers a “Retainer Service,” whereby it provides ongoing investment management services to clients on a discretionary or non-discretionary basis. This service includes ongoing investment advice, investment tracking, performance monitoring, trade execution and financial planning. This is WMA’s primary service offering. Diversification, tax-efficiency, and low-cost investing are the cornerstones of WMA’s investment philosophy. WMA utilizes actively managed and index mutual funds, as well as ETFs, when crafting a portfolio strategy designed to help achieve a client’s stated specific goals and objectives, based on their disclosed risk tolerance level. WMA will generally seek to allocate the client’s assets among various investments, taking into consideration the overall management style and portfolio framework selected by the client. WMA may utilize proprietary investment models as described on pages 10-12 of this brochure. WMA attempts to construct a diversified portfolio of investment recommendations that are within its realm of expertise. In each case, the stated individual needs, goals and desires of clients are taken into consideration. The client may impose reasonable restrictions on investing in certain types of securities by telling us verbally or in writing. Where clients retain WMA on a non-discretionary basis, the client is welcome to implement recommendations in whole or in part via the financial services provider(s) of their choice. When providing advice on investments within retirement plans, the advice and any recommendations are limited to plan offerings. Clients engaging investment Advisory services must play an active role. The Adviser requires the client to participate in the formation of the investment plan, the development of investment advice and recommendations and the ongoing services provided. Clients may call the office during regular business

hours to discuss their portfolio or ask questions, but the Adviser recommends that clients initiate a meeting with the Adviser no less than annually. However, clients are obligated to immediately inform the Adviser of any changes in their financial situation to provide the Adviser with the opportunity to review the portfolio to ensure it is still structured to help meet the client’s stated needs and objectives. Retainer clients also receive WMA’s financial planning services in addition to investment management. WMA is available to provide consultation in the areas of insurance, taxes, retirement, college planning and estate planning. Depending on specific client needs, the Adviser will analyze a client’s present position relative to his/her goals and objectives and make a recommendation on how to achieve the client’s goals. Clients requiring assistance on issues relating to matters outside of financial and investment advisory topics should consult their personal tax adviser, legal counsel, or other professionals for expert opinions. WMA can prepare a financial plan or review an existing plan and the client is welcome to implement recommendations in whole or in part, at their discretion. Thereafter, plan reviews are available annually, at the request of the client during the term of the management agreement. In providing ongoing investment management services, WMA will manage investor funds in accordance with the investment policy/strategy as selected by the client. WMA will provide ongoing monitoring of the portfolio in accordance with the directives provided. The underlying portfolio assets will be reviewed internally on a frequent basis (generally quarterly or more often), depending upon the types of investments, market conditions, at the discretion of the Adviser, or as may be specifically requested by the client. WMA also remains available by appointment during the Adviser’s normal business hours, for consultations. Financial Planning – Hourly Services WMA also offers hourly-based financial planning services in the areas of insurance, taxes, investment, retirement, college planning and estate planning. Depending on specific client needs, the Adviser will analyze a client’s present position relative to his/her goals and objectives and make a recommendation on how to achieve the client’s goals. Financial planning services are hourly based and are not ongoing services. WMA can tailor its planning services to include short-term and/or long-term goal planning as directed by the client. When these planning services only focus on certain areas of client interests, needs or is otherwise limited, clients must understand that a client’s overall financial and investment needs and objectives may not be considered as a result of time and/or service restraints placed on the Adviser’s services. Clients requiring assistance on issues relating to matters outside of financial and investment advisory topics should consult their personal tax adviser, legal counsel, or other professionals for expert opinions. When providing advice on investments within retirement plans, the advice and any recommendations are limited to plan offerings. Implementation of any advice or recommendations pertaining to securities or non-securities matters (such as insurance), in whole or in part, is entirely at the client’s discretion via the service provider(s) of the client’s choice. Financial Planning Services generally utilize long-term strategies so that continuous monitoring is not required. The advice provided by the Adviser may include recommendations for updates and reviews. Clients are welcome but are never obligated to retain the Adviser for additional or follow- up services. Where additional or new services are desired, WMA may require an amended or new client agreement. Financial Planning Services will not include any portfolio monitoring, investment reviews or investment management. Investment Management Services may be available via a new client agreement. Services to Other Registered Investment Advisers In addition, the officers of WMA provide investment review and consultation services to an affiliated Registered Investment Adviser. WMA provides back-office administration services to this other firm. These professional firm services are separate and distinct from the services provided by WMA to its clients.