Kolinsky Wealth Management, LLC (“Kolinsky” or “KWM”) is a registered investment advisor firm registered with the Securities and Exchange Commission (SEC) since May 4, 2010. The Principal Owner and Managing Member of Kolinsky Wealth Management, LLC, Steven I. Kolinsky, has been in the industry for over 35 years assisting clients by taking a holistic approach to investment management and helping clients achieve their financial goals. Kolinsky Wealth Management is a full-service wealth management firm serving high net worth individuals and business owners. Kolinsky provides a comprehensive range of financial solutions for their clients including investment advisory services, retirement plan design and consulting, wealth transfer planning, and financial planning. Steven Kolinsky is joined by both his sons, Jason Kolinsky, and Chad Kolinsky to offer a multi-generational approach to investing. Financial Planning Kolinsky’s goal is to a work with its clients, such that, they utilize Kolinsky to help with all aspects of their financial and life goals. Many engagements will include financial planning. The process would begin with an introductory meeting where a Kolinsky professional meets in person with a client and discusses their overall financial goals. If the client elects to work with Kolinsky further, a subsequent discovery meeting would be scheduled where the client shares additional details regarding financial objectives, financial issues, cash flow management, tax planning, and a full investment review. Kolinsky will then customize a financial plan for each client for their specific needs that may cover college funding projections, insurance needs, and address specific estate and tax planning issues. Kolinsky will provide in depth analysis given the information provided to create a blueprint for each client detailing their assessment of when each financial objective (i.e. retirement) can occur and the income needed to meet their specific goals. A projected analysis utilizing various cash flows corresponding with the client’s unique situation is provided. Clients who receive planning services will either elect to continue to work with Kolinsky through asset management and/or ongoing planning for a fee, or they may choose to implement their plan elsewhere or not at all. Asset Management Kolinsky’s principal service is providing fee-based investment advisory services. When asset management services are performed they are done on either a discretionary or non-discretionary basis. In many cases, Kolinsky will have a financial plan to guide these decisions to ensure they are within the client’s investment objectives. In the event that a financial plan is not in place, Kolinsky will work with the client to gather their investment objectives and information through both a risk assessment questionnaire and client dialogue. When services are performed on a discretionary basis, Kolinsky will not seek specific approval of each change to a client account. For accounts where Kolinsky has full discretion, clients engaging us will be asked to execute a Limited Power of Attorney (granting us the discretionary authority over the client accounts) as well as an agreement that outlines the responsibilities of both the client and Kolinsky. Kolinsky Wealth Management, LLC Page 5 As mentioned, Kolinsky may provide asset management services on a non-discretionary basis, which means we will manage the clients’ accounts as we do for our discretionary clients, except we will consult with the client prior to implementing any investment recommendation. Clients should be aware that some recommendations may be time-sensitive, in which case recommendations not implemented because we are unable to reach a non-discretionary client may not be made on a timely basis and therefore client’s account may not perform as well as it would have had Kolinsky been able to reach the client for a consultation on the recommendation. Clients may engage Kolinsky to manage certain investment products that are not maintained at the primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Kolinsky directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Kolinsky may use a third-party platform called Pontera to facilitate management of held away assets such as 401(k) plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log- in credentials to affect trades. Kolinsky is not affiliated with the platform in any way and receives no compensation from them for using their platform. Clients will be assisted in linking their accounts to the platform. Once the Client account(s) is connected to the platform, we will review the current account allocations. When deemed necessary, we will rebalance the account considering the clients investment goals. To monitor our Client account(s) we have established drift thresholds for Asset Class and Holdings. If the Client account(s) drifts outside of the established thresholds the account will be rebalanced to the original allocation. Clients should be aware that because we are unable to debit our fees from these accounts, we may debit the applicable fees from other Client accounts custodied at Schwab or alternatively invoice Clients directly for this service. When additional fees from multiple managed accounts are debited from one account Clients should be aware that applicable account performance will be impacted. Retirement Plan Consulting Services Kolinsky will offer consulting services for both retirement plans and their participants. Kolinsky will provide research and analysis with regard to investment advice and fiduciary due diligence with regard to the selection and ongoing monitoring of funds for plan sponsors and individuals. Consulting Services for Qualified Plans Kolinsky will prepare and/or evaluate Investment Policy Statements (thereafter “IPS”) for plan sponsors and will follow the IPS to arrive upon or facilitate prudent investment related recommendations. Kolinsky will also assist plan sponsors with the selection of a 401(K) provider or qualified plan providers for their respective plans. This process may include a review of administrative, recordkeeping, compliance, and employee communication services. Kolinsky may also review fees associated with investments. Kolinsky will also assist with any conversion process between investment providers including interfacing with company consultants and relationship managers to facilitate conversions. Kolinsky will also provide an on-going analysis Kolinsky Wealth Management, LLC Page 6 of each qualified plans responsibilities, titled a Fiduciary Plan Review that ensures that those responsibilities are being met including services such as:
• Analysis of relevant design
• Developments in the qualified plan landscape
• Educational modules
• Plan benchmarking
• Administrative Compliance Checklists
• Fiduciary Fitness Program Diagnostics Consulting Services for Plan Participants Kolinsky will provide plan participants with strategic employee education and communications in connection with retirement plan programs. Kolinsky will assist participants by meeting with them in a group or in one-to-one settings to help educate and create custom risk-based models utilizing the offerings in the retirement

plans. Selection of Independent Managers Kolinsky may recommend and refer clients to unaffiliated money managers or independent managers through Managed Account programs sponsored by a third-party provider. In these arrangements, the client will then enter into a program and investment advisory agreement with the program sponsor and sub-advisors. Kolinsky will assist and advise the client in establishing investment objectives for the sub-advisors and continue to provide oversight of the client account and ongoing monitoring of the activities of the sub-advisors. The sub-advisors will develop an investment strategy to meet those objectives by identifying appropriate investments and monitoring such investments. Kolinsky evaluates a variety of information about the independent managers, which may include the independent managers’ public disclosure documents, materials supplied by the independent managers themselves and other third-party analyses it believes are reputable. To the extent possible, Kolinsky seeks to assess the independent managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. Kolinsky also takes into consideration each manager or sub- advisors’ management style, returns, reputation, financial strength and reporting among other factors. In consideration for such services, the program sponsor will charge a program fee that includes the investment advisory fee of the sub-advisors, the administration of the program and trading, clearance and settlement costs. The program sponsor will add Kolinsky’s investment advisory fee (described below in the answer to Item 5) and will deduct the overall fee from the client account quarterly in advance based on the fair market value at the end of the preceding quarter. The asset-based program fee is tiered and varies depending on the size of the account, the asset class of the underlying securities and the sub-advisor selected. The client, prior to entering into an agreement with a third party money manager selected by Kolinsky, will be provided with that manager’s Brochure that makes the appropriate disclosures. In addition, Kolinsky and its client will agree in writing that the client’s account will be managed by that selected third party money manager on a discretionary basis. Kolinsky Wealth Management, LLC Page 7 Asset Management – Institutional Intelligent Portfolios™ Program Kolinsky has recognized certain clients and their younger family members new to the investing space or with limited assets need an alternative to their traditional asset management methodology and program. For these clients and their families, Kolinsky will provide portfolio management services through an investment service called Institutional Intelligent Portfolios™, an automated, online investment management platform for use by independent investment advisors offered by Schwab Performance Technologies (the “Program” and “SPT,” respectively). Through the Program, Kolinsky will offer clients a range of investment strategies we have constructed and manage, each consisting of a portfolio of exchange traded funds (“ETFs”) and a cash allocation. The client’s portfolio is held in a brokerage account opened by the client at SPT’s affiliate, Charles Schwab & Co., Inc. (“CS&Co”). We are independent of and not owned by, affiliated with, or sponsored or supervised by SPT, CS&Co or their affiliates (together, “Schwab”). The minimum investment required to open an account in the Institutional Intelligent Portfolios Program is $5,000, therefore enabling certain clients to begin a formal investment program We, and not Schwab, are the client’s investment advisor and primary point of contact with respect to the Program. We are solely responsible, and Schwab is not responsible, for determining the appropriateness of the Program for the client, choosing a suitable investment strategy and portfolio for the client’s investment needs and goals, and managing that portfolio on an ongoing basis. We have contracted with SPT to provide us with the technology platform and related trading and account management services for the Program. This platform enables us to make the Program available to clients online and includes a system that automates certain key parts of our investment process (the “System”). The System includes an online questionnaire that helps us determine the client’s investment objectives and risk tolerance and select an appropriate investment strategy and portfolio. Clients should note that we will recommend a portfolio via the System in response to the client’s answers to the online questionnaire. The client may then indicate an interest in a portfolio that is one level less or more conservative or aggressive than the recommended portfolio, but we then make the final decision and select a portfolio based on all the information we have about the client. The System also includes an automated investment engine through which we manage the client’s portfolio on an ongoing basis through automatic rebalancing and tax-loss harvesting (if the client is eligible and elects). Clients do not pay fees to SPT in connection with the Program, but Kolinsky charges clients a fee for our services as described below under Item 5 Fees and Compensation. Our fees are not set or supervised by Schwab. Clients do not pay brokerage commissions or any other fees to CS&Co as part of the Program. Schwab does receive other revenues, including (i) the profit earned by Charles Schwab Bank, a Schwab affiliate, on the allocation to the Schwab Intelligent Portfolios Sweep Program described in the Schwab Intelligent Portfolios Sweep Program Disclosure Statement; (ii) investment advisory and/or administrative service fees (or unitary fees) received by Charles Schwab Investment Management, Inc., a Schwab affiliate, from Schwab ETFs™ Schwab Funds® and Laudus Funds® that we select to buy and hold in the client’s brokerage account; (iii) fees received by Schwab from third-party ETFs that participate in the Schwab ETF OneSource™ program and mutual funds in the Schwab Mutual Fund Marketplace® (including certain Schwab Funds and Laudus Funds) in the client’s brokerage account for services Schwab provides; and (iv) Kolinsky Wealth Management, LLC Page 8 remuneration Schwab may receive from the market centers where it routes ETF trade orders for execution. American Funds Kolinsky has an agreement to establish 529 investment advisory accounts directly through American Funds in their F2 advisory share class funds. These accounts are managed by Kolinsky based on the client’s needs, goals and objectives. The fee for such accounts varies from 0.00%- 0.50% per annum. Kolinsky does not provide portfolio management services to wrap fee programs. Additional Consulting Servicess Kolinsky also provides 1031 Exchange consulting services, which, based on the client's individual circumstances, may include but are not limited to the following: finding replacement properties, connecting the client with qualified intermediaries, and developing the exchange strategy. Clients receiving 1031 Exchange consulting services are charged an additional fixed fee as negotiated based on the complexities of each exchange situation. Kolinsky may invoice the Client directly for this service or alternatively the Client may elect to have the fee deducted from exchange proceeds held at the Client’s Qualified Intermediary. As of December 31, 2023, Kolinsky manages $401,299,372 of which $398,455,470 is managed on a discretionary basis. In addition, as of the same date, Kolinsky provided ongoing retirement consulting services to approximately $153,383,314 in client assets resulting in approximately $554,682,686of total client assets under advisement.