LEWIS FINANCIAL MANAGEMENT was founded by Douglas J. Lewis, CFP®, in February, 1984. In 2001, Lewis Financial Management changed its corporate structure to Lewis Financial Management, LLC (“LFM”). Douglas J. Lewis, CFP® and Linda P. Lewis, MS, are the principal owners of the firm. Douglas J. Lewis, CFP® and Deborah R. Lewis, CFP®, are the active financial planners. LEWIS FINANCIAL MANAGEMENT, LLC provides personalized confidential Financial Planning services to individuals and small businesses. Advice is provided through consultation with you and includes determination of financial objectives, identification of financial problems, investment management, cash-flow planning, charitable trust design (if applicable), tax planning, insurance planning, retirement and financial independence planning, college education planning, and estate planning. ASSETS UNDER MANAGEMENT as of 12/31/2023: Discretionary basis: NONE (LFM does not maintain discretion over client accounts) Non-discretionary basis: $415,279,724 LEWIS FINANCIAL MANAGEMENT, LLC provides non-discretionary investment advice on stocks, bonds, mutual funds, U.S. government securities, real estate investment trusts (REITs), oil and gas limited partnerships, business development companies (BDCs), and other alternative investments, depending on your needs and objectives. We do not provide advice on commodities, futures, or commercial paper. We do not take discretionary trading authority over your accounts. You make the final decision on investment selection. You always maintain investment control. The initial contact is a Telephone Conference where we get personal and financial information about you in preparation for a face-to-face meeting. This call is free of charge and helps us determine the extent to which Financial Planning will be of benefit to you and allows you to ask questions about our process. The Financial Planning sequence includes ongoing meetings, reviews, and recommended portfolio rebalancings. Other professionals, such as lawyers, accountants, insurance agents, etc., are included in the meetings by telephone as needed, making the most of your time with us. The INITIAL FINANCIAL ADVISORY CONSULTATION (IFAC) is $250 per hour with a 3-hour minimum or as long as needed. When you call for an appointment, we send you a packet containing the “5 Keys” to be completed and sent back to us before the meeting. We then prepare “hypothetical” reports showing your initial financial situation to be used during the meeting. This is the framework that allows Doug and Deborah to know you well enough to answer the questions brought to them. This is an advice only meeting and no investments are made. At the end of the IFAC meeting, Doug or Deborah will recommend either: 1. CONTINUING FINANCIAL ADVISORY CONSULTATIONS. References available. 2. COMPREHENSIVE FINANCIAL PLANNING. If suitable for Comprehensive Financial Planning, Doug or Deborah will provide a fee quote for services and client references. Investment Advice Data Gathering Meeting Implementation Meeting Financial Plan Document Tax Advice Financial Plan Presentation Cash-Flow Advice Implementation/Investment Meeting Insurance Advice Estate Meeting Retirement Advice Monthly Reports Estate Advice Advisory Meetings Portfolio Recommendations Annual Reviews TELEPHONE CONFERENCE (Free) INITIAL FINANCIAL ADVISORY CONSULTATION (Hourly Fee) OPTION 1 CONTINUING FINANCIAL ADVISORY CONSULTATIONS (Hourly Fee) OPTION 2 COMPREHENSIVE FINANCIAL PLANNING (Flat Fee) ITFEE: HOURLY Those who choose this option will schedule subsequent appointments. There is no minimum asset requirement for any Financial Advisory Consultation. Under this option, no database is created and no ongoing reports are generated. These meetings may be for: Investment Advice Review of Existing Portfolios Investment Vehicle Choices Liquidity versus Illiquidity Debt versus Equity Implementation Meetings Investment Portfolio Design Investment Education Facilitation of Paperwork Tax Advice Tax Advantaged Investments Tax Advantaged Strategies Cash-Flow Advice Income versus Expenses Net Monthly Margin Pay-Yourself-First Investment Strategy Insurance Advice Types of Insurance Needs Analysis Insurance Illustrations Retirement Advice Types of Retirement Savings Options and Funding Meeting Your Retirement Income Needs Estate Advice Revocable Living Trusts/Wills Charitable Trusts Powers of Attorney HIPAA Forms Healthcare Powers of Attorney
• Portfolio Review Meetings are scheduled by you
• Reports are produced for the meeting only FEE: $250 per hour MINIMUM: Two hours MAXIMUM: Meetings may last as long as you desire FEE: INITIAL FLAT FEE PLUS CONTINUING PERCENTAGE OF ASSETS UNDER MANAGEMENT, BILLED QUARTERLY Our Philosophy We use the orthodox Financial Planning process for Certified Financial Planners, which includes six steps:
• Data Gathering
• Goal Setting
• Identifying Financial Problems
• Providing a written Financial Plan Document
• Implementing of Recommendations
• Continuous and Regular Supervisory and Management Services Our Process Our Financial Planning process begins with construction of a database, which we subsequently use to produce your Financial Plan document. We then provide ongoing monthly supervisory and management services based on your Financial Plan. A. CONSTRUCTION

OF YOUR PERSONALIZED DATABASE B. WRITING YOUR PERSONALIZED FINANCIAL PLAN DOCUMENT C. CONTINUOUS AND REGULAR SUPERVISORY AND MANAGEMENT SERVICES A. Your Personalized Financial Planning Database The heart of Comprehensive Financial Planning is the construction and maintenance of a database which integrates all aspects of your financial life. Your living expenses, income sources, income taxes, investment portfolio, insurance, wills, and trusts are all incorporated into this database. This allows us to perform estate and income tax forecasting as well as track and analyze the historical data of your investment portfolio. We base our recommendations, contained in the Financial Plan Document, on the financial analyses and reports generated from this database. The financial information in the database is updated on a daily basis with the exception of retirement plan numbers (401(k)s, Pension Plans, etc.) which are updated when statements are received from you. B. Your Personalized Financial Plan Document The Financial Plan Document is the “road map” of the Financial Planning process and contains 12 separate sections: 1. Personal Data 2. Goals/Objectives 3. Issues and Problems 4. Assumptions 5. Financial Statement 6. Cash Flow Analysis and Recommendations 7. Tax Analysis and Recommendations 8. Insurance Analysis and Recommendations 9. Investment Analysis and Recommendations 10. Implementation Schedule 11. Financial Independence Analysis and Recommendations 12. Estate Analysis and Recommendations Detailed investment advice and specific recommendations are provided as part of your Financial Plan. The six sections that have recommendations are personally written by Doug or Deborah and not computer generated. C. Continuous and Regular Supervisory and Management Services We send reports monthly. We review your portfolio at least semi-annually and make recommendations as needed. We also schedule Annual Review meetings where we discuss your Financial Statement, Cash-Flow situation and Tax Projection in addition to a detailed Portfolio Review. We have an ongoing responsibility to make recommendations based on your needs, investment objectives, and any restrictions you place on your account. Investments may include mutual funds, money market accounts, real estate investment trusts (REITs), real estate limited partnerships (RELPs), and other direct participation programs. We tailor our advisory services to your needs. Content and Frequency of Reports (Comprehensive Financial Planning Only) Below is the typical schedule for client review and written reports: 1. PORTFOLIO ANALYSIS/ASSET ALLOCATION REPORT: (January, April, July, October) An analysis of your investments by time-weighted rate of return, current yield, investment category, ownership, and the portfolio as a whole. In addition, color- coded pie charts showing Asset Class Allocation accompany the analysis. 2. FINANCIAL STATEMENT: (February, September) An analysis of your assets, liabilities and net worth, including your real estate and other non-investment assets 3. ESTATE ANALYSIS (March, August) 4. TAX ANALYSIS REPORT: (May, November) A two-year projection of what your Federal and State Taxes may be and strategies available to reduce your taxes 5. CASH FLOW REPORT: (June, December) A two-year forecast of all income sources, living expenses, and surplus or shortfall 6. ANNUAL REVIEWS: A composite of all your reports from your database, prepared at your request 7. PORTFOLIO REBALANCING INVESTMENT RECOMMENDATIONS: (As Needed) We review your portfolio at least semi-annually and send recommendations as needed. ***We do not maintain discretionary authority over your accounts. ***We do not participate in, or sponsor, any wrap-fee programs. INITIAL FEE: FOR DATABASE CONSTRUCTION AND FINANCIAL PLAN DOCUMENT: The initial fee for the production of your Financial Planning database and the writing of your Financial Plan document is based upon the estimated complexity of the Plan and the estimated time required. The fee range is ½% to 1% of investable assets. This is a flat-fee quote given to you at the end of the Initial Financial Advisory Consultation. ONGOING ANNUAL FEE: CONTINUOUS AND REGULAR SUPERVISORY AND MANAGEMENT SERVICES: We offer two fee schedules based on Assets Under Management with a minimum of investable assets of $2,000,000. Each offers you unlimited hours of consultation without an hourly charge. The Fee-Only arrangement applies when you want to use your own stockbroker to implement our investment and insurance recommendations. The Reduced-Fee or Fee Plus Commission, “Fee-Based”, arrangement applies when, at the time of entering into our Advisory Agreement, you wish to implement your Financial Plan recommendations through Douglas J. Lewis, CFP®, Linda P. Lewis, MS, or Deborah R. Lewis, CFP®, in their capacity as registered representatives of The Strategic Financial Alliance, Inc. The Fee- Based arrangement is not a fee offset by commissions or 12b-1 fees. ANNUAL FEE COMPUTATION TABLE (ASSETS UNDER MANAGEMENT – “AUM”) INVESTABLE ASSETS REDUCED FEE FEE-ONLY On the first $1,500,000 .38% 1% Next $1,500,001 to $2,500,000 .20% 1% Over $2,500,000 .15% 1% We calculate the annual fee on your investable assets. Fees are paid quarterly, in advance, based on this calculated annual amount. However, if your portfolio goes up in value during the following three quarters, we do not increase your fee. It is frozen for the entire year. We update the fee calculation annually on the anniversary of your initial plan presentation. The revised fee is based on the value of your investable assets on that date. The minimum quarterly fee is $1,675. You may discontinue this Fee-Based arrangement at any time.