A. Andrews Advisory Associates, LLC (“AAA” or “Advisor”) has been federally registered as an investment adviser since 2006. Christina June Brown , CFP® has been in financial services since 1999 and has been with the firm since 2007. She is a 52.5% owner of the firm. Travis T. Tsukayama, CFP® has been with the company since 2015, and is a 47.5% owner of the firm. There are three affiliated Investment Adviser Representatives: Christina June Brown, CFP® (CRD# 3178052) and Travis T. Tsukayama, CFP® (CRD# 6705780). Christina June Brown, CFP® and Travis T. Tsukayama, CFP® are CERTIFIED FINANCIAL PLANNERTM Professionals who have fulfilled the certification and renewal requirements of the CFP Board. They have completed a comprehensive program of study at a college or university approved by the CFP Board, have several years of professional experience related to financial planning, and have passed a comprehensive CFP® certification exam covering financial planning, tax, retirement and estate planning, investment management and insurance. Christina and Travis are members of the CFP Board, the Financial Planning Association (FPA®), and the local FPA chapter, FPA of Hawaii. B. Types of Advisory Services. Our tailored Keep It Simple Strategy® centers on diversification through asset allocation, dollar-cost averaging and periodic rebalancing. We provide value for our clients by creating all our clients’ investment portfolios in-house with cost-effective passive investments with no minimums and no transaction fees, when possible. We eliminate layers of additional management fees and company expenses by investing as directly in the stock and bond markets as practical. As investment fiduciaries, we place our clients’ best interests first by investing simply and in a disciplined manner. We provide four distinct types of advisory services for individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. There is a separate Agreement for each type of service. The Agreement specifically sets forth the terms governing the services provided by AAA; clients should carefully review the Agreement prior to approval. 1. Discretionary Investment Management Services. AAA has the power and discretion to supervise, manage, and direct the investment of the assets in the Account, including the authority to purchase, sell, invest, exchange, convert, and trade the Account assets and to place all orders for the purchase and sale of securities with or through brokers, dealers, or issuers selected by the Advisor, or to otherwise effect transactions with respect to the Account, without prior consultation with the client. AAA may also have the authority to request disbursements to the client, and to deduct management fees.  Asset Allocation Portfolios consist of stocks, exchange-traded funds, mutual funds, certificates of deposit (CDs) and cash.  Dividend Boosters Discipline® is a focused individual stock strategy consists of about 25 domestic US companies that have a global footprint and a history of increasing dividends, diversified across major economic sectors. The Dividend Boosters Discipline® strategy is generally appropriate for

larger, more established portfolios. 2. Non-Discretionary Investment Advisory Services. AAA offers non-discretionary investment advisory services only to current clients on a "grandfathered-in" basis. AAA will provide the client with personalized advice on the assets in the client’s account(s) as listed and described in the client’s Agreement. AAA has the authority to purchase, sell, invest, exchange, convert, and trade Account assets and to place orders for the purchase and sale of securities with prior approval of each transaction from the client. AAA may also have the authority to request disbursements to the client, and to deduct management fees. 3. Qualified Retirement Plan Platform with a separate participant Recordkeeper. Our investment platform was developed by our firm and features no-load, no-transaction-fee Exchange Traded Funds (ETFs) and mutual funds with no minimum transaction size, held in a custodial trust account. Within each plan, there are three customized options:  Discretionary Advisor-Managed Model Portfolios. AAA is a discretionary ERISA Section 3(38) Fiduciary Investment Manager solely responsible for the selection and monitoring of investment choices within five asset allocation model portfolios based on participants’ tolerance for volatility. Models are comprised of the same self-directed choices available to participants. The portfolios are named Aggressive, Growth, Balanced, Moderate and Conservative.  Non-Discretionary Participant Self-Directed Choices. AAA is also a non-discretionary ERISA Section 3(21) Fiduciary, recommending and monitoring a diverse list of investment choices for participants to self-direct. The Client can add or delete choices and approves the final list of investment choices available for participants.  Non-Discretionary Separate Brokerage Account. For an additional annual administrative cost and separate transaction fees, participants may choose to self-direct a full range of investments in a separate brokerage account with the same custodian that handles the plan platform. 4. Financial Planning Services. Our firm offers Financial Planning services billed at an hourly rate. At the discretion of AAA, incidental financial planning services may be included as part of the clients’ fee for other services. C. Each client’s portfolio is tailored to their individual needs, including their goals, time horizon, and tolerance for investment volatility. We hold a meeting or series of meetings designed to gather all relevant facts regarding each clients’ individual circumstances. Portfolios can be customized for any reason, such as the client’s desire for socially responsible or sustainable investing. We accommodate our clients’ requests for holding legacy assets or other exceptions to our standard recommendations. We manage each portfolio individually. We provide a service, not a product. D. AAA does not assign any advisory contract to any outside parties without the written consent of the client. E. Our firm does not offer or sponsor a wrap fee program. F. Client assets managed by AAA on a discretionary basis total $155,193,569. Client assets managed by AAA on a non-discretionary basis total $43,215,540. (as of December 31, 2023).