Kalos Management is a corporation organized under the laws of the state of Georgia. Daniel and Carol Wildermuth founded the Alpharetta-based investment advisory firm in 2004. Kalos Management is an SEC registered investment advisory firm. As of December 31, 2022, we managed approximately $128,562,434 in client assets where we made all of the investment decisions (discretionary assets). We are currently not managing any client assets on a nondiscretionary basis. Advisory Services We offer investment advisory services to you directly. We consult with you directly to obtain detailed financial information and other pertinent data. In providing investment advice to you and all of our clients, we consider: ➢ your financial situation, ➢ risk tolerance, ➢ investment horizon, ➢ liquidity needs, ➢ tax considerations, ➢ financial goals, ➢ income (current and potential), ➢ portfolio size, ➢ net worth, ➢ investment objectives, and ➢ any other issues important to your state of affairs. You should notify us promptly if there are any changes in your financial situation or investment objectives. You should also notify us if you wish to impose any reasonable restrictions upon the management of your account. Our Financial Professionals manage client portfolios by choosing a third- party manager, sub-advisor and platform that best meets the clients’ goals and objectives. Assets are allocated within a mix of securities that include all or some of the following: ➢ equities, ➢ bonds, ➢ mutual funds, ➢ exchange traded funds, ➢ interval funds, and ➢ direct participation programs (“DPP”s). Securities and sector allocations are selected with the aid of fundamental analysis and the review of independent research, news sources and rating services. Assets are typically managed to an allocation model. We

have entered into agreements with various unaffiliated investment advisers for the provision of certain investment advisory services. We will provide personal advisory services to you through assisting you in the selection of a particular adviser. Factors considered in helping you with this selection include: ➢ your Financial Professional’s preference for a particular unaffiliated investment adviser; ➢ your risk tolerance, goals and objectives, as well as investment 2 | P a g e experience; and, ➢ the amount of assets you have available for investment. Detailed information about these programs can be found in the individual unaffiliated investment adviser’s disclosure document, which is available upon request and will be provided to you prior to opening such an account. Financial Planning We can prepare and provide you with a written financial plan designed to help you achieve your financial goals and investment objectives. The preparation of such a plan necessitates that you provide us with personal data such as: ➢ family records, ➢ budgeting, ➢ personal liability, ➢ estate information and ➢ additional financial goals. The financial plan will include any or all of the following as requested or directed by you and agreed by contract: ➢ asset protection, ➢ tax planning, ➢ business succession, ➢ strategies for exercising stock options, ➢ cash flow, ➢ education planning, ➢ estate planning and wealth transfer, ➢ charitable gifting, ➢ long-term care and disability planning, ➢ retirement planning, ➢ insurance planning, and ➢ risk management. We do not provide accounting or legal advice. Should you choose to implement the recommendations contained in the plan, we suggest that you work closely with your attorney, accountant, insurance agent, and stockbroker.