A. Firm Information M&R Capital Management, Inc (“M&R Capital” or the “Advisor”) is a registered investment advisor located in Summit, New Jersey and is organized as a Corporation under the laws of Florida. M&R Capital was founded in 1993 and is owned by John Maloney and operated by both John Maloney (Chairman and Chief Executive Officer) and Michael Charvala (Chief Operations Officer and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by M&R Capital. B. Advisory Services Offered M&R Capital offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, charitable organizations and retirement plans (each referred to as a “Client”). Investment Management Services M&R Capital provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing both discretionary and non-discretionary investment management and related advisory services. The Advisor works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. All Client assets will be managed within their designated account[s] at the Custodian or delegate, pursuant to the Client investment advisory agreement. Please see Item 12 – Brokerage Practices. Financial Planning Services M&R Capital will typically provide a variety of financial planning and consulting services to Clients, pursuant to a written financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals, objectives and financial situation. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, general financial planning, education planning, insurance needs, divorce planning, asset allocation planning, estate planning, business planning, investment planning, retirement planning, personal savings, education savings and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement any

transactions through the Advisor. M&R Capital may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation but is not compensated for making such recommendations. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not require a written summary. Plans or consultations are typically completed within four months of the contract date, assuming all information and documents requested are provided promptly. C. Client Account Management Prior to engaging M&R Capital to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. D. Held Away Account Management Page 5 M&R Capital uses a third-party platform to facilitate management of defined contribution plan participant accounts, with discretion. The Advisor manages these accounts using the Pontera Order Management System. Please refer to Item 12 – Brokerage Practices for more information. Written Acknowledgement of Fiduciary Status We act as a Fiduciary for all of our clients, however, when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. E. Wrap Fee Programs M&R Capital Management is a portfolio manager for various wrap fee programs: Morgan Stanley Vision, Wells Fargo, and RBC Wealth Management. F. Assets Under Management As of December 31, 2022, M&R Capital has $454,433,265 in assets under management, of which $428,358,426 is in discretionary assets under management and $26,074,839 is in non-discretionary assets under management.