HTG Investment Advisors Inc. (“HTG”) is an independent investment advisory firm devoted to the individual investor. Founded in 1993, HTG is a fee-only registered investment advisor located in Connecticut and registered with the U.S. Securities and Exchange Commission (“SEC”). The Advisor’s mission is to help individuals and families achieve their financial goals by providing investment counsel and management supported by an array of financial planning services. We are professionals and fiduciaries, which means that we put our clients’ interests first when providing advice. To reduce conflicts of interest, we strictly limit our revenues to fees paid to us solely by our clients. Our goal is to exceed our clients’ expectations for competence, service and trust. Assets under HTG’s management are held by independent custodians, including Schwab Institutional (a division of Charles Schwab & Co., Inc.), Fidelity Clearing & Custody Solutions (a division of Fidelity Investments, Inc. and related entities), TIAA-CREF, my529, or Fidelity Investments Life Insurance (each a “custodian”). HTG does not have custody of client assets, except for the authorized deduction of our fees. Please see Item 12 – Brokerage Practices and Item 15 – Custody. The Advisor serves as a fiduciary to clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each client and seeks to mitigate potential conflicts of interest. The Advisor’s fiduciary commitment is further described in the Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Principal Owners The firm’s principal owners are Robin Sherwood (Chairman, President, Chief Executive Officer and Chief Compliance Officer) and Lex Zaharoff (Executive Vice President, Assistant Secretary and Treasurer). 8 HTG Investment Advisors Inc. Amount of Assets Under Management As of December 31, 2023, HTG had $859,803,504 in assets under management, all of which are managed on a discretionary basis. Non-Participation in Wrap Fee Programs HTG does not participate in wrap fee programs. Wealth Advisory Services Program HTG works to understand a client’s unique family and financial circumstances and create a customized plan to meet that client’s objectives through a blend of financial planning and investment management. HTG’s planning process illuminates a client’s goals and provides that client with strategies and action steps to achieve those goals. Based on a client’s priorities, HTG may address wealth accumulation, retirement planning, education funding, charitable giving, tax-saving opportunities and coordinating multi-generational wealth transfer plans. HTG employs advanced planning software that helps a client get organized financially, assess their spending and saving, and gain a clear picture of their wealth. Our planning experts evaluate a client’s information to identify opportunities and collaborate with that client to create a customized strategy. While planning reveals and quantifies the client’s goals, investment management is the primary means to achieving them. Together, HTG and the client write an investment policy, which provides a roadmap with clear investment parameters. We invest each client’s portfolio on a discretionary basis in a mix of assets that balances that client’s need for safety and desire for growth. HTG uses a combination of carefully screened mutual funds and exchange traded funds (ETFs)

to implement the allocation. Customary elements of HTG’s services are:
• A review of client goals and objectives and defining the nature and scope of investments to be made
• Use of pooled investment vehicles and professional management for security selection
• Regular rebalancing portfolios to conform with target asset allocation plans
• Tax and cost sensitive portfolio construction and management
• Regular performance reporting and analysis 9 HTG Investment Advisors Inc.
• Detailed retirement planning projections
• Coordination with estate and insurance planning professionals to reach desired goals
• Analysis of complex investment decisions
• Analysis of executive compensation and corporate benefit programs
• Assistance in managing liabilities and other personal assets Retirement Accounts – When HTG provides investment advice to clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the client’s best interest, the Advisor will provide investment advice to a client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Use of Independent Managers – In certain circumstances, certain clients may have specific needs where HTG may recommend the use of an Independent Manager. In addition, HTG may offer investment advice under consulting or contract arrangements on negotiated terms. Participant Account Management – As part of the Advisor’s investment management services, when appropriate, the Advisor may use a third party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with investment discretion. Any such platform would enable the Advisor to gain access to Client account without having access through the Client’s credentials. This independent advisor access ensures that the Advisor will not have custody of Client funds or securities when implementing trades for the Client. The Advisor will not be affiliated with any such platform in any way and will receive no compensation from such a platform. A link will be provided to the Client allowing them to connect their account[s] to the platform for the Advisor’s secure access. Clients may impose reasonable restrictions on investing in certain securities or types of securities, which may be documented in an investment policy statement (“IPS”) or similar communication from HTG. 10 HTG Investment Advisors Inc. At no time will HTG accept or maintain custody of a client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All client assets will be managed within their designated account[s] at the custodian, pursuant to the client’s wealth advisory services agreement. For additional information, please see Item 12 – Brokerage Practices.