Smith Financial Investment Advisors, Inc. (“SFIA”) is a SEC Registered Investment Adviser, founded in January 2009 and Registered with the SEC in May 2010. SFIA is wholly owned by firm’s President, Richard A. Smith. Including his time prior to founding SFIA, Richard Smith has over thirty years of experience in the financial services industry. As of December 31, 2023, SFIA manages approximately $332,832,586 of assets for individual, retirement plan, and charitable foundation clients; we manage $188,626,795 of these monies on a discretionary basis. For information on SFIA’s key investment personnel, please see our Brochure Supplements. SERVICES OFFERRED Advisory Services SFIA offers financial consulting services to clients including investment supervisory services, comprehensive financial planning, retirement planning, education planning, estate planning, business consulting, insurance review, asset allocation, and investment consulting. We believe that any investment, insurance or other financial decision is best made in the context of a client’s complete financial picture and in the context of all of a client’s financial goals, rather than independently. As part of these services, our advisors will typically collect and analyze a comprehensive package of your financial data, including investments, insurance policies, tax returns, wills and other estate planning documents and financial statements (business and personal), depending on the scope of the engagement. SFIA enters into written agreements outlining the services that clients desire and that we agree to

complete. RETIREMENT PLAN CONSULTING SFIA offers various retirement plan services, including investment supervisory services, administration, employee enrollment and education, plan design review, vendor and service provider analysis, fiduciary investment review and recommendation, development of investment policy statement, and investment committee/fiduciary education and consultation. Our process is designed to maximize the participant experience through selection of quality, diversified investment options by implementing a process for plan fiduciaries that complies with relevant laws, regulations and fiduciary best practices, thus protecting plan fiduciaries from liability. As part of these services, our advisors will typically collect plan documents and amendments, government filings, participant statements, plan valuations, asset statements and vendor/provider agreements. INVESTMENT ADVICE THROUGH CONSULTATIONS & ADVICE NOT INVOLVING SECURITIES SFIA also provides investment advice and other advice not involving securities to clients through the course of financial planning services. The fee is a negotiated, flat fee, charged in advance and determined by the complexity of the client’s planning needs. The financial planning process assists the client in determining their goals with regards to retirement, education, life insurance, disability coverage, long-term health care, etc. It provides the framework for future planning decisions based on the client’s goals. In addition, budgeting and cash flow management techniques are developed when working with clients.