Description of Advisory Firm Claremont Financial Group, Inc. (“CFG” or the “Advisor and also “we”, “our” or “us”) is a privately- owned corporation headquartered in Claremont, California. CFG is registered as an investment advisor with the U.S. Securities and Exchange Commission (“SEC”). CFG was founded in January 1994 and has been registered as an investment advisor since February 2006. Gaetan Scalzo is the owner of CFG. Advisory Services Offered CFG offers personal financial planning and investment management services to individuals, high net worth individuals, trusts, estates and charitable organizations (each a “Client”). 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. CFG’s fiduciary commitment is further described in the Advisor’s 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. Personal Financial Planning Services CFG offers personal financial planning services for a fee. We specialize in providing advice to professionals, pre-retirees and those who are retired. CFG uses financial strategies consistent with the Client's financial condition, tax status, and risk/reward objectives. Strategies may focus on investments, insurance, taxes, and/or estate plans. Over the series of planning meetings, we compile written information and analysis, which may include one or more of the following areas: 1. the Client's objectives and financial goals, 2. a review of the Client's assets, liabilities, income and expenses, 3. a review, analysis and recommendations regarding one or more of the subject planning areas previously listed, 4. a summary of findings, and 5. an action guide or "To Do" list. Personal financial planning (the analysis, written report, and subsequent modifications and services) is a service separate from our investment management services. Clients have full discretion as to how they choose to implement the recommendations discussed in the financial planning phase. CFG will generally recommend implementation of financial plans, using CFG or an affiliate as the investment advisor. There are no requirements to use us, or our affiliate, for investment management services. The investment management services, described below, are part of the implementation process that occurs once the initial planning has been accomplished. Use of our investment management services is not required. Some Clients may use the services of CFG only for the financial planning; others may choose to use CFG only for investment management services. Many Clients engage CFG for both of these services. Our personal financial planning services do not include preparation of any kind of income tax, gift, or estate tax returns nor preparation of any legal documents, including wills or trusts. We do not provide Clients with any legal or accounting advice. We describe fees charged for personal financial planning services in Item 5 below. Investment Management Services CFG offers asset allocation systems through third-party providers (“Investment Platforms”) including Pacific Financial Group, LLC (formerly The Elements Financial Group, LLC and herein “PFG”), an affiliate of CFG, and Orion Platform Services, LLC (“Orion”) We will use a sub-advisor to manage portfolios for Clients where an asset allocation system is not suitable for a Client. Through these Investment Platforms, we advise Clients as to the selection of asset allocation models and provide continuous monitoring of the models. We describe the material investment risks under the heading Specific Security Risks in Methods of Analysis, Investment Strategies, and Risk of Loss. We discuss our discretionary authority below under Item 16 – Investment Discretion. For more information about the restrictions Clients can put on their account[s], see Tailored Services and Client Imposed Restrictions in this item below. We describe the fees charged for investment management services in Item 5 below. Limitations on Investments – In some circumstances, CFG’s advice may be limited to certain types of securities. Limitation by Issuer – In the event CFG is managing assets within an annuity, CFG is limited to those investment options chosen by the insurance agency. No Load Mutual Funds – The vast majority of mutual fund investments we recommend are in the form

of no load or load waived mutual funds. Limitation by Client – CFG may also limit advice based on certain Client-imposed restrictions. For more information about the restrictions Clients can put on their accounts, see Tailored Services and Client Imposed Restrictions in this Item below. Non-Managed Assets – CFG may offer securities trading activities for non-managed positions in a Client’s managed account[s], acting as an intermediary between the Client and the custodian. We do not provide investment advice regarding that portion of the Client’s managed account designated as non- managed assets nor do we provide opinions as to the merits of any non-managed asset held in the account[s]. We also do not make any judgments as to the appropriateness of assumed risk or suitability of any non-managed investment given the Client’s situation. CFG offers this service at no charge and at our discretion, in consideration of the Client’s other accounts that we manage. Retirement Accounts – When the Advisor 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. At no time will CFG 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 terms of the advisory agreement. For additional information, please see Item 12 – Brokerage Practices. Tailored Services and Client Imposed Restrictions CFG manages Client accounts based on the investment strategy the Client chooses, as discussed below under Item 8 – Methods of Analysis, Investment Strategies, and Risk of Loss. CFG applies the selected strategy for each Client based on the Client’s individual circumstances and financial situation. We make investment decisions for Clients based on information the Client supplies about their financial situation, goals, and risk tolerance. Our recommendations may not be suitable if the Client does not provide us with accurate and complete information. It is the Client’s responsibility to keep CFG informed of any changes to their investment objectives or restrictions. Generally, CFG does not allow Clients to impose restrictions on investing in certain securities or types of securities in the accounts. CFG reserves the right to not accept and/or terminate management of a Client’s account[s] if we feel that a Client wants to put a restriction that limits or prevents us from meeting or maintaining the Client’s investment strategy. Wrap Fee Program CFG does not sponsor a wrap fee program in connection with their investment management services. A wrap fee program is defined as any advisory program under which a specified fee or fees not based directly upon transactions in a Client’s account is charged for investment advisory services (which may include portfolio management or advice concerning the selection of other investment advisers) and the execution of Client transactions. Whenever a fee is charged to a Client for services described in this brochure (whether wrap fee or non-wrap fee), we will receive all or a portion of the fee charged. A complete description of these programs and related fees, charges, when due and termination procedures are described in the respective manager’s disclosure brochures, which you receive at or prior to the time a third-party managed account is established. Assets Under Management As of December 31, 2022, CFG manages $100,035,737 in Client assets, $96,277,760 of which are managed on a discretionary basis and $3,757,977 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor.