Daniels + Tansey is a limited liability partnership formed under the laws of the State of Delaware and an investment advisor registered with the Securities and Exchange Commission (SEC)1. As such, Daniels + Tansey is subject to a fiduciary standard of care. Simply stated, investment recommendations by Daniels + Tansey must be in the best interest of its clients and client’s interests always take precedence to those of Daniels + Tansey. Daniels + Tansey’s partners include DeVon Daniels, Christopher F. Daniels, Susan Benson, Adele McIntosh, Christopher W. Daniels, T. Jordan Daniels, and Tim DeAngelo. Daniels + Tansey offers advisory services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations and other organizations on a discretionary and non-discretionary basis. Daniels + Tansey offers the following services as part of its advisory business: 1. Investment Advisory Services 2. Wealth Management Services 3. Multi Family Office Services 4. Financial Planning and Consulting 5. Matrimonial Financial Planning and Litigation Support As of December 31, 2022, the firm had discretionary assets under management of $ 515,301,771, non- discretionary assets under management of $ 19,763,218 and total assets under management of $ 535,064,989. When we act as your investment advisor, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should carefully read and understand this disclosure document and ask us about conflicts outlined here, because they can affect the investment advice we provide you. Investment Advisory Services Prior to engaging Daniels + Tansey to provide investment advisory services, the client will be required to enter into an Investment Advisory Agreement with Daniels + Tansey. This agreement sets forth the terms and conditions of the engagement, describes the scope of the services to be provided and the portion of the fee, if any, that is due from the client prior to Daniels + Tansey commencing services. Daniels + Tansey believes the first step in establishing an investment advisory relationship is getting to know our client. Therefore, our financial professionals assist clients in developing an appropriate Investment Policy Statement (IPS). The IPS for each client is customized and implementation usually includes active tax management with the goal of achieving cost efficient portfolio management. Investment management services are primarily offered to clients on a discretionary basis. Some exceptions will apply. The firm provides continuous monitoring and management of the investment vehicles chosen to implement portfolio strategies. As necessary, client portfolios are rebalanced, or policies and strategies are 1 Registration does not imply any specific level of skill or training. modified if circumstances or as client objectives dictate. Portfolios are diversified based upon the client’s IPS which considers a risk profile, investment time horizon, financial goals, income (current and potential), and other various suitability factors. Once this process is complete, we will develop a portfolio, using a mix of equities, fixed income securities, mutual funds and exchange traded funds. Clients should note that accounts with less than $200,000 of assets under management will be managed primarily through the use of exchange traded funds (aka ETFs). For accounts holding legacy positions, including mutual funds, clients should let our firm know of any restrictions from selling those funds. If the client chooses non-discretionary services, the ultimate decision to buy or sell securities remains with the client. For our accredited investors, and those whose portfolios are deemed appropriate, we may also use alternative investments, such as limited partnerships, private equity funds, and REITs that are not publicly traded. These types of investments contain considerable risk and therefore, are only recommended for portfolios that can withstand the possibility of exposure to loss of principal. Although we generally manage portfolios directly, in some cases, and for certain types of securities, we will engage third party asset managers to act as sub- advisors in meeting specific needs of portfolio management. When our firm engages a sub-advisor to manage assets in the client’s account, Daniels + Tansey will also provide the client with the sub-advisor’s most current ADV Part 2A. Clients should carefully review the sub-advisor’s ADV Part 2A disclosures and contact our firm with any questions. In addition to statements received from qualified custodians, clients receive quarterly detailed written reports from Daniels + Tansey with respect to their investment portfolio. As requested, clients may receive preliminary tax information (e.g., realized and unrealized gains/losses, interest and dividends received) to facilitate tax planning. Clients are advised that certain assumptions may be made with respect to interest and inflation rates and the use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. As the client’s financial situation, goals, objectives or needs change, the client must notify Daniels + Tansey promptly. Clients may impose reasonable restrictions on their account by notifying our firm through email or in writing. Wealth Management Services A client may elect to have Daniels + Tansey provide wealth management services in addition to the investment advisory services noted above. Such services may include recommendations for cash flow strategies and implementation

of such strategies based upon the client’s unique cash flow needs. Further, Daniels + Tansey may provide assistance with establishment, if requested, of other non-discretionary accounts at selected custodians. Daniels + Tansey may also perform an annual review of client’s total investment assets including assets not managed by Daniels + Tansey (e.g., deferred compensation arrangements, retirement plans, stock options and direct real estate investments). Our firm also provides advice regarding recommendations for investment options available in a client’s company sponsored retirement plan. Clients can also engage our firm to provide an insurance needs analysis, as appropriate and requested, for life, disability, and long-term care protection; recommendations on types of policies, and appropriate coverage. Daniels + Tansey will review and make recommendations regarding the client’s property and casualty insurance coverage, if so requested. Other miscellaneous wealth management services may include review of a client’s mortgages, debt financing and loan alternatives. Our firm provides consultation regarding a client’s estate planning issues and/or strategies for philanthropic and multi-generational planning. Daniels + Tansey may also provide consultation with a client’s other professionals regarding insurance, tax, investment, estate, and retirement planning. Multi-Family Office Services Daniels + Tansey provides additional family office related services beyond the aforementioned wealth management services for certain clients. Such services may include but are not limited to the following:
• Enhanced Cash Flow Management – provide cash flow projections, budget analysis and assistance with balancing family checking accounts.
• Integrated Wealth Management – development of multi-generational wealth transfer strategies to maximize family wealth based on tax minimization. Coordination of executive benefits (deferred compensation, employee stock options, restricted stock, and retirement plans) with estate plan and financial plan. Development of business succession and transfer strategies for closely held family businesses.
• Family Advisory Meetings – coordinate family advisory meetings with family financial advisors. Develop financial education for children. Assist in development of family mission statement and governance. Development of philanthropic strategies based on family mission statement.
• Risk Management – insurance consultation with advisors, coordination of family financial security and wealth preservation.
• Tax and Accounting – assist Ann Taylor Tansey & Co., P.A. (“ATT”), a related tax and accounting firm, with tax planning and tax return preparation and also provide financial investment information requested in the event of tax authority audit. Financial Planning and Consulting Daniels + Tansey provides financial planning and consulting to clients to assist with long or short-term objectives as defined by the client. Such services are not on-going in nature and generally are completed within six months of the date of the engagement. Some consulting with respect to asset allocation is on-going and the firm receives periodic payments for such advice. Assistance with development of a comprehensive financial plan may include, but is not limited to, advice on the following issues:
• Cash flow management
• Retirement planning
• Risk management
• Estate planning Further, Daniels + Tansey may provide a review and update of the client’s existing financial plan. Consultation or planning services may include any of the following at the specific request of the client:
• Review of the client’s overall financial situation and issue of a written report of recommendations
• Review of estate planning issues
• Preparation of a review of retirement planning issues
• Review of educational funding issues
• Preparation of a written asset allocation report and associated recommendations
• Preparation of a portfolio analysis report and associated recommendations
• Client-initiated hourly consultation services on myriad issues raised by the client, on an as needed basis
• Review of cash flow issues
• Review of investment risk analysis
• General tax issues and projections
• Review of fringe benefit considerations
• Business related issues to include multi-generational family planning
• Other miscellaneous services based on unique client needs Matrimonial Financial Planning and Litigation Support Services Daniels + Tansey provides matrimonial financial planning and litigation support services. The services we provide may include the following:
• Financial Education – assist in the development of the marital estate and financial implications of division of the marital estate. The education process provides an in-depth analysis of the family’s assets and liabilities as well as tax implications attendant to the division of the marital estate.
• Financial Settlement Projections – assist clients in the review of various options and financial implications of settlement alternatives.
• Standard of Living During the Marriage – assist clients in determining support and maintenance requirements through income and expense analysis.
• Post-Financial Settlement Planning – assist in the development of an integrated wealth management plan.
• Remarriage Planning – assist the client in understanding the financial considerations of a re-marriage including the benefits of a prenuptial agreement and a plan for sharing income and expenses.