BCG is a SEC-registered investment adviser (SEC file number 801-56943) with its principal place of business located in Cherry Hill, New Jersey. We have been in business since 1968. Horace Mann Educators Corp. is the direct owner of BCG Securities. Michael Weckenbrock is CEO and Adam Paglione is President and Chief Compliance Officer. Assets under our firm’s management were approximately $516,270,263 as of December 31, 2022. Portfolio Management Services Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop and manage a portfolio based on those discussions. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. We may also review and discuss a client’s prior investment history, as well as family composition and background. We charge an asset based fee for the management of these accounts, a portion of which is kept by the Investment Advisor Representative and by the firm. Section 5 provides more information regarding the fee structure. We will manage advisory accounts on a non-discretionary and discretionary basis. Account supervision is guided by the stated objectives of the client (i.e. preservation, conservative, moderate, moderately aggressive, or aggressive strategies), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Use of Sub-Advisers and Third-Party Managers We may also, when appropriate, sub-advise certain portions of a client portfolio to independent third-party managers or recommend direct investment with independent third-party managers, typically when those managers demonstrate knowledge and expertise is a particular investment strategy. As part of this service, we perform management searches of various unaffiliated third- party managers. Based on a client's individual circumstances and needs, we will determine which selected manager’s portfolio management style is appropriate for that client. Factors considered in making this determination include account size, risk tolerance, the opinion of each client and the investment philosophy of the selected manager. We encourage clients to review each third-party manager’s disclosure document regarding the particular characteristics of any program and managers selected by us. Once we determine which selected third-party manager(s) are most appropriate for the client, we will provide the selected registered investment adviser(s) with the client's investment goals and risk tolerance. The selected manager(s) will then create and manage the client's portfolio based upon the client's individual needs as exhibited in the client's IPS or investment plan. We will regularly and continuously monitor the performance of the selected third-party manager(s). If we determine that a particular selected manager(s) are not providing sufficient management services to the client, or are not managing the client's portfolio in a manner consistent with the client's IPS or investment plan, we will remove the client's assets from that selected manager(s) and place the client's assets with another third- party manager(s) at our discretion and without prior consent from the client. Our firm will conduct appropriate due diligence on all independent third-party managers, making reasonable inquiries into their performance calculations, policies and procedures, Code of Ethics, and other operational and compliance matters deemed important to account performance and risk management. Financial Planning Services Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information and analysis will be considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service will receive a written report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. In general, the financial plan will address any or all of the following areas of concern:  Personal: Family records, budgeting, personal liability, estate information and financial goals;  Tax & Cash Flow: Income tax and spending analysis and planning for past, current and future years. We will illustrate the impact of various investments on a client's current income tax and future tax liability;  Death & Disability: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis;  Retirement: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals;  Investments: Analysis of investment alternatives and their effect on a client's portfolio;  Estate: Analysis of financial issues with respect to living trusts, wills,

estate tax, powers of attorney, asset protection plans, nursing homes, Medicaid and elder law;  Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile; and/or  Business Planning: Employee benefits analysis, executive compensation planning, risk management, real estate planning, business transfer planning, employee recruiting needs, and expansion planning. Typically, if requested, the financial plan will be presented to the client within six months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided by the client. Pension Consulting Services We provide several consulting services separately or in combination. Clients may choose to use any or all of these services. Investment Policy Statement (“IPS”) Development or Review We will meet with the client (in person and/or over the telephone) to determine or review the client’s investment needs and goals. For clients needing an IPS, we will prepare a written IPS stating their needs and goals and encompassing a policy under which these goals are to be achieved. The IPS will also list the criteria for the selection of investment vehicles and the procedures and timing interval for monitoring investment performance. Selection of Investment Vehicles and Independent Money Managers We will review various investments, consisting primarily of mutual funds, service providers and strategies to determine which ones are appropriate to implement the client’s IPS. The nature and selection of investments and service providers to be recommended will be determined by the client, based on the IPS. Based on a client’s individual circumstances and needs, we will determine which independent manager’s portfolio is appropriate for that client. Factors we consider in making this determination include account size, risk tolerance, the opinion of each client and the investment philosophy of the independent adviser. If we believe that a selected independent adviser is not performing adequately or if we believe that a different manager is more suitable for a client’s particular needs, then we may suggest that a client contract with a different adviser. While we may assist the client in selecting a new adviser, any move to a new adviser is solely at the discretion of the client. Monitoring of Investment Procedures and Performance We will monitor client investments continuously based on the procedures and timing intervals delineated in the IPS. Although we will not be involved in any way in the purchase or sale of these investments, we will monitor the client's portfolio and will make recommendations to the client as market factors and the client's needs dictate. The frequency of reviews will be determined by the client’s needs and the IPS. Employee Communications: For pension, profit sharing and 401(k) plan clients in self-directed plans, we will provide periodic educational support and investment workshops designed for the plan participants. Topics to be discussed will be determined in conjunction with the plan sponsor and in accordance with guidelines established in ERISA Section 404(c). The educational support and investment workshops will not provide plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. Wealth Management/Consulting Services We provide wealth management services for individuals and businesses. Wealth management services are generally provided over the course of a year, and may be continued from year to year by mutual agreement. Depending on each client's circumstances and needs, our wealth management services may include: an evaluation of the likelihood of the client meeting certain financial goals or objectives, based on the client’s assets, liabilities, and relevant economic assumptions (a “Capital Needs Analysis”); tax planning; insurance planning; estate planning; risk management needs analysis; assessment of mortgages, debt refinancing, and loan alternatives; bill paying and budgeting analysis; strategies for philanthropic and multigenerational planning; gifting strategies, including amounts, form of gift (monetary or securities), and the manner of making the gifts, such as through trusts and foundations; family business succession planning; coordination of external advisors; and financial reporting. Services in General We tailor all of our investment recommendations and advice to the individual needs of each client. All investment recommendations and advice are based on information gathered through client questionnaires, electronic communications, telephone and in- person discussions. Our investment recommendations are not limited to any specific product or service offered by a broker dealer or insurance company and will primarily include advice regarding no- load or load-waived mutual funds, exchange-traded funds (ETFs), equity securities, and independent third-party managers. Occasionally, we may also advise on or recommend investments in the following instruments:  Fixed income securities  Certificates of deposit  Warrants  Commercial paper  Municipal securities  Variable life insurance  Variable annuities  United States government securities  Interests in pooled investment vehicles