Steven Feldstein and Associates (the “Firm”) was founded in 1974 by Steven Feldstein, an investment adviser representative, as the Sole Proprietor. The firm became Steven Feldstein and Associates, LLC on March 1, 2014. The firm provides financial planning services, as well as investment management services on a non-discretionary basis. All services provided are based on the individual needs of each client. The Firm currently works with approximately 700 accounts with a majority living and working in New Jersey, New York, and Connecticut. Steven Feldstein meets with clients quarterly to review their portfolios and to keep them moving towards their objectives. The Firm’s investment management philosophy has not changed for over 40 years. Buy businesses, not stocks. Look for long-term fundamentals that outweigh short-term worries on Wall Street. Use long-term horizons and enormous patience to find companies trading at a discount to free cash flow, book value, and earnings. The Firm’s fundamental belief is that all undervaluation will eventually correct. As our criteria for investment, we look for strong franchises that have the freedom to price, strong experienced management that is owner oriented, and businesses trading within 30% of tangible book value, with 10% return on equity for every dollar of book value purchased. The Firm requires approval from the client before it places any transactions on the client’s behalf and will honor any reasonable restrictions on investing in certain securities or types of securities imposed by the client in writing. Mr. Feldstein was born

in 1952 and graduated from Hunter College with a major in Business Administration. He has served as President of Feldstein Financial Group since 1999; and from 1999 to this day as sole proprietor of the Firm. In addition, he is a Certified Financial Planner with the knowledge and skills necessary to objectively assess a client’s financial status, identify problem areas, and provide comprehensive client-based financial planning. He is a Chartered Financial Consultant providing a complete planning process in an organized manner to collect and analyze information on a client’s total financial situation, to identify and establish specific financial goals and to formulate, implement, and monitor a comprehensive plan to achieve specific client set forth goals. As a Chartered Life Underwriter, Mr. Feldstein provides insight into the life insurance business, its economy, operation and distribution systems, and its resurging importance for safe and secure investments. Mr. Feldstein is also a member of the Million Dollar Round Table (“MDRT”) which is an association for the accomplished sales professionals in the life insurance based financial services business. Along with the MDRT he is also a member of the Financial Planning Association, an organization for the financial planning community. In addition to Mr. Feldstein, the Firm may from time to time employ other investment advisor representatives who will follow the Firm’s philosophy as described above under Mr. Feldstein’s supervision. As of December 31, 2023, the Firm managed approximately $119,979,711 in non- discretionary client assets.