New Century’s overriding goal is to help its clients and their families achieve financial independence. To that end, New Century provides a full range of financial, retirement, and estate planning services. New Century’s team of professionals seeks to craft practical solutions to its clients’ most pressing concerns, from funding their children’s education and their own retirement to supporting favorite charities and providing a comfortable life for their children and grandchildren. New Century provides financial planning, consulting, investment and wealth management services. Prior to engaging New Century to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with New Century setting forth the terms and conditions under which New Century renders its services (collectively the “Agreement”). New Century has been in business since February 9, 1996. Richard Oring is the Firm’s owner. As of December 31, 2023, New Century had $ 201,731,729.00 of assets under management on a discretionary basis. This Disclosure Brochure describes the business of New Century. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of New Century’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or any other person who provides investment advice on New Century’s behalf and is subject to New Century’s supervision or control. Financial Planning and Consulting Services New Century may provide its clients with a broad range of comprehensive financial planning and consulting services. These services may include business planning, investments, retirement, estate planning, education and tax and cash flow needs of the client. These services may be included as part of New Century’s wealth management services, described below. Financial planning offered as part of investment management client fees. Firm will continue to offer financial planning as a stand-alone service. In performing its services, New Century is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. New Century may recommend the services of itself, its Supervised Persons in their individual capacities as registered representatives of a broker-dealer, and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if New Century recommends its own services. The client is under no obligation to act upon any of the recommendations made by New Century under a financial planning or consulting engagement or to engage the services of any such recommended professional, including New Century itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of New Century’s recommendations. Clients are advised that it remains their responsibility to promptly notify New Century if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising New Century’s previous recommendations and/or services. Investment and Wealth Management Services Clients can engage New Century to manage all or a portion of their assets on a discretionary or non- discretionary basis. In addition, New Century may provide clients with wealth management services which may include financial planning and consulting services as well as discretionary and/or non-discretionary management of investment portfolios. New Century tailors its advisory services to the individual needs of clients. New Century consults with clients initially and on an ongoing basis to determine risk tolerance, time horizon and other factors that may impact the clients’ investment needs. New Century ensures that clients’ investments are suitable for their investment needs, goals, objectives and risk tolerance. Certain clients may receive more formal financial planning services as part of the initial assessment either for a fixed or hourly fee, or as part of the overall management fee (as described below). Clients are advised to promptly notify New Century if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon New Century’s management services. Clients may impose reasonable restrictions on the management of their account if, in New Century’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. To implement its management recommendations, New Century offers a variety of investment programs through Osaic Wealth, Inc. (“Osaic”) and otherwise in accordance with the client’s investment objectives. Currently, the Firm utilizes the following programs in managing client assets. In addition, New Century will provide additional documents to clients regarding the programs prior to or concurrent with enrollment in a program. Please read it thoroughly before investing.” Vision2020 Wealth Management Platform – Advisor Managed Portfolios Program (“Advisor Managed Portfolios”) The Advisor Managed Portfolios provides comprehensive investment management of client assets through the application of asset allocation planning software as well as the provision of execution, clearing and custodial services through Pershing, LLC (“Pershing”). Advisor Managed Portfolios provides risk tolerance assessment, efficient frontier plotting, fund profiling and performance data, and portfolio optimization and re-balancing tools. Utilizing these tools, and based on client responses to a risk tolerance questionnaire (“Questionnaire”)

and discussions that the Firm has together with clients regarding, among other things, investment objectives, risk tolerances, investment time horizons, account restrictions, and overall financial situations, the Firm constructs a portfolio of investments. Portfolios may consist of mutual funds, exchange traded funds, equities, options, debt securities, variable life, variable annuity sub-accounts and other investments. Each portfolio is designed to meet your individual client needs, stated goals and objectives. Additionally, clients have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. For further Advisor Managed Portfolios details, please see the Advisor Managed Portfolios Wrap Fee Program Brochure. New Century provides this brochure to clients prior to or concurrent with enrollment in Advisor Managed Portfolios. Please read it thoroughly before investing.” Vision2020 Wealth Management Platform – Model Portfolios Program (“Model Program”) The Model Program offers clients managed asset allocation models (“Asset Allocation Models”) of mutual funds, exchange traded funds (“ETFs”) or a combination thereof diversified across various investment styles and strategies. The Asset Allocation Models are constructed by managers (“Program Managers”) such as Russell Investment Management Company, SEI Investments Management Corporation and Morningstar Associates, LLC. Based upon the risk tolerance of each client, the Model Program utilizes a system that selects a specific Asset Allocation Model. After the Asset Allocation Model is chosen, the Firm, with the assistance of the Model Program sponsor, will open a Model Program account. Client assets will be invested in the specific investments contained within the recommended Asset Allocation Model. Clients have the opportunity to place reasonable restrictions on investments held within the Model Program account. Vision2020 Wealth Management Platform – SMA and UMA Program (“Wealth Managed Account Program” or “WMAP”) The Wealth Managed Account Program provides clients with the opportunity to invest assets across multiple investment strategies and asset classes by implementing an asset allocation strategy. WMAP is a Wrap Account program that offers these advisory services along with brokerage and custodial services for a single, asset-based, advisory fee. New Century presents clients with a WMAP asset allocation model (“WMAP Model”) for approval which will consist of: 1) third party money managers (“WMAP Managers”) who will manage the WMAP account according to a particular equity or fixed income model or strategy, 2) no-load mutual funds (“Funds”), or 3) exchange traded funds (“ETFs”) or any combination thereof (individually or collectively, “WMAP Investments”). WMAP Investments will be managed according to the selected WMAP Model. WMAP Investments are held within a separately managed account or a series of separately managed accounts (collectively, “SMA Account”) or in one, unified managed account (“UMA Account”). New Century will suggest a WMAP Model based on responses to a risk tolerance questionnaire (“Questionnaire”) and discussion that the Firm has with the client regarding among other things, investment objective, risk tolerance, investment time horizon, account restrictions, and overall financial situation. In addition, clients have the opportunity to place reasonable restrictions on investments held within the WMAP account. Use of Independent Managers New Century may select certain Independent Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages an Independent Manager may be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure, clients may also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. New Century evaluates a variety of information about Independent Managers, which may include the Independent Managers’ public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, the Firm seeks to assess the Independent Managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. New Century also takes into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. New Century continues to provide services relative to the discretionary or non-discretionary selection of the Independent Managers. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers. New Century seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Sale of Research New Century may sell its research and analysis to various institutions as part of its institutional consulting services. New Century’s institutional consulting services are generally related to its proprietary signals. New Century will charge a fixed fee for these services and does not render such consulting services to its investment advisory clients. Educational Seminars, Speaking Engagements, and Online Education Courses New Century and their DBA’s currently offers seminars, accepts speaking engagements, and provides online and in- person educational content and courses. Educational courses and content are offered via our website to the public on a variety of financial topics.