FINANCIAL PLANNING SERVICES: We provide advice in the form of a comprehensive Financial Plan. If you purchase this service, you will receive a written report, providing a detailed financial plan designed to achieve your stated goals and objectives. We will also provide you the opportunity to be active in the plan preparation by providing information we need. Our Financial Plans will address any or all of the following areas of concern:
• Personal: Family records, budgeting, personal liability, estate information and financial goals.
• Tax & Cash Flow: Income tax and spending analysis and planning for past, current and future years. We will illustrate the impact of various investments on your current income tax and future tax liability.
• Death & Disability: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis.
• Retirement: Analysis of your current strategies and investment plans to help you achieve your retirement goals.
• Investments: Analysis of investment alternatives and their effect on your portfolio. The financial plan will include generic recommendations as to general types of investment products or specific securities that are appropriate for the client to purchase given his/ her financial situation and objective. Related documents supplied by you and a completed questionnaire are carefully reviewed and a written report is prepared. Implementation of the prepared plan or recommendations is solely at your discretion and you will also determine how you want to implement the plan or recommendations. We encourage you to utilize any desired professional or group of professionals to assist in the implementation. THIRD PARTY INVESTMENT ADVISER SELECTION SERVICES: In certain circumstances we will recommend that you utilize the services of a Third-Party Investment Adviser (“TPA”) to manage your portfolio. We would recommend to you a TPA whose investment style is believed to be consistent with your financial needs, investment goals, tolerance for risk and stated investment objectives. Upon selection of a TPA, we will monitor the performance of the TPA to ensure their performance and investment style remains aligned with the investment goals and objectives, The TPA is granted discretionary authority by you to manage and invest your assets. Clients who are referred to TPA’s will receive full disclosure, including services rendered and fee schedules at the time of the referral by delivery of a copy of the relevant TPA’s brochure or equivalent disclosure document. The Manager can impose a minimum dollar amount of initial client assets for the investment advisory services as disclosed in the management agreement. These minimums can be waived at the Manager's discretion. Clients will be provided the appropriate Manager's disclosure statement, in addition to the Manager's ADV Part 2 and privacy policy, prior to placing the assets with the Manager. TIMING SERVICE.FUND MANAGEMENT PROGRAM: Our timing service consists of using the moving average of a stock index to determine buy or sell decisions of that investment. ADVISORY PROGRAMS WITH WELLS FARGO: The Advisory programs are

sponsored by Wells Fargo Clearing Services, LLC. The program utilizes either custom or model allocations. The program consists of:
• Separate Account Program,
• Multi-Manager Account,
• Mutual Fund Advisory,
• Advisor Directed,
• Client Directed,
• ETF Advisory PORTFOLIO MANAGEMENT PROGRAM FEE SCHEDULE: Assets Under Management Annualized Fee $ 25,000 - $ 499,999 3.00% $ 500,000 - $4,999,999 2.50% $ 5,000,000 - $9,999,999 2.00% $10,000,000 + Negotiable Our account minimums and fees charged are negotiable in situations where your portfolio size begins outside our published fee brackets or in other situations deemed appropriate by us in our sole discretion. The above listed fee can be in excess of the industry norm and similar advisory services can be obtained for less. Portfolio Management fees will be billed in one of two ways. (1) Fees will be directly deducted from your account at the custodian quarterly in advance from your accounts within thirty (30) days following the end of the quarter. We will send the qualified custodian written notice of the amount of the fee to be deducted from your account. We shall provide written notice/invoice documentation reasonably supporting the determination of the investment advisor fees. We will send to you a quarterly account billing statement that shows the amount of our advisory fee, the value of your assets upon which the fee was based, and the specific manner in which the fee was calculated. We will verify that the Custodian sends Account statements on a quarterly basis. You should compare invoices for advisory fees to the corresponding custodian statement. Statements should be received from the custodian no less than quarterly. If statements are not received, contact us immediately. (2) Fees will be directly invoiced quarterly in advance within (30) days following the end of the quarter. The level of the all-inclusive fee is unaffected by the number of transactions effected for the account. Our fees are based on the percentages listed in the Fee Schedule on account market values based on the first business day of each calendar quarter. Fees are calculated by multiplying the assets under management market value by the relevant percent and dividing such product by number of days in the quarter. Fees for the initial quarter will be adjusted pro-rata based upon the number of calendar days in the calendar quarter that the Agreement goes into effect. Termination You have the right to terminate the Investment Advisory Agreement without penalty within five (5) business days from the date of execution of the Investment Advisory Agreement. You must deliver written notice requesting termination of the Investment Advisory Agreement to us. Any prepaid fees will be refunded. Thereafter, either party can terminate the Investment Advisory Agreement upon written notice to the other party. You will be entitled to a pro rata refund of any prepaid quarterly fee based upon the ASSETS UNDER MANAGEMENT: As of December 31, 2022, Phillips Capital Advisors, Inc. has approximately $145,266,492 in discretionary assets under management and $443,318,834 in non-discretionary assets under management for a total of $588,585,326 in total assets.