Description of the Advisory Firm St. Clair Advisors (“SCA,” “we,” “our,” or “us”) was founded in 2010 as an independent, practitioner owned, multi-family office serving the broad financial needs of a select group of wealthy families, business owners and corporate executives. Our clients demand an objective, integrated approach to wealth management—one that links comprehensive tax and financial planning with sophisticated investment counseling. We meet these demands by providing comprehensive, integrated wealth management services. St. Clair Advisors is managed by its three Principals: David W. Sommer – Chief Executive Officer, Chief Investment Officer and CCO Craig A. Steinbrink – Chief Operating Officer Fred G. Botek – Director of Tax and Family Office Services Types of Advisory Services Our wealth management services include investment advisory, tax planning and compliance, wealth transfer, retirement planning and charitable planning. Specifically, these services may include some or all the following:
• Development of an appropriate integrated asset allocation plan
• Selection and placement of appropriate investment strategies and/or individual securities
• Objective investment performance evaluation
• Estate planning and net worth analysis
• Tax planning and compliance
• Cash flow analysis and budgeting
• Bill pay services
• Property/casualty and life insurance reviews We integrate our investment advisory and financial planning services to create efficient, highly customized financial plans that result in the simplification of our clients’ financial affairs. Once we develop these plans, we add further value by serving as the single point of contact for other professionals that currently provide services to our clients which results in the efficient implementation of the plan. Retirement Rollovers - No Obligation/Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If we recommend that a client roll over their retirement plan assets to an account to be managed by us, such a recommendation creates a conflict of interest if we will earn new (or increase existing) compensation because of the rollover. No client is under any obligation to rollover retirement plan assets to an account managed by St. Clair Advisors. Assets under Advisory: We may provide periodic comprehensive reporting services which can incorporate all of a client’s investment assets, including those investment assets that are not managed by St. Clair Advisors (“Assets under Advisory”). Unless otherwise specifically agreed to in writing, our services relative to Assets under Advisory is limited to reporting only. The client and/or their designated other investment professional(s) will maintain supervision, monitoring and trading authority and shall be exclusively responsible for the investment performance for any Assets under Advisement. If St. Clair Advisors is asked to make a recommendation as to any Assets under Advisement, the client is under no obligation to accept the recommendation, and St. Clair Advisors shall not be responsible for implementation of any recommendation. In the event a client desires St. Clair Advisors provide investment management services for the Assets under Advisement, the client may engage us to do so. Selection of Other Advisors We may direct client assets to third-party money managers for management on

a discretionary basis. Before selecting these managers, we will ensure that such third-party money managers’ investment strategies meet client objectives. We do not participate in any wrap fee programs. Services Limited to Specific Types of Investments Within the scope of our responsibilities as investment counsel to clients, we use third- party money managers, mutual funds, ETFs, individual equities, fixed income instruments, debt securities, hedge funds, REITs, private placements, cash equivalents and government securities. We may also use other securities to help diversify a portfolio when appropriate. Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all clients. However, client financial plans and investment portfolios are dependent upon each client’s specific financial situation. The implementation and execution of these plans can differ among clients and is dictated by each client’s specific goals, objectives, time horizon, tax bracket and tolerance for risk. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent us from properly implementing recommended investment strategies, or if the restrictions would require us to deviate from our standard suite of services, we reserve the right to terminate our relationship as investment adviser with such client. Assets under Management SCA has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $871,993,851 None 12/31/2023 SCA Item 5: Fees and Compensation Fee Schedule The fees for our comprehensive Wealth Management Services can be charged in one of three (3) ways:
• based on assets under management (AUM) and /or Assets under Advisement (AUA),
• a fixed fee, or
• a per project fee. If your Wealth Management Service fee is based upon AUM, the fee ranges from 0.25% to 1% per year on net assets under management. If your Wealth Management Service includes AUA, the fee ranges from 0.10% to .25% per year on net assets under advisement. Our Wealth Management fees may vary from client to client and is based on the size, scope, and complexity of the relationship. Payment of Fees Fees are paid quarterly, in advance, but never more than one quarter in advance. Assets under management and assets under advisement-based fees are calculated at the beginning of each calendar quarter, using the most recent quarter end market value for the liquid assets held in your account. For private placement investments, we will use the value from the most recent capital statement we have received plus/minus any contributions or distributions received since the date of the most recent capital statement we have received. Clients may terminate their Investment Advisory Agreement with thirty days’ written notice. Refunds are given on a prorated basis based on the number of days remaining in a quarter at the point of termination. Fees may be paid directly to us by invoice or by a clients’ custodian directly from the client’s accounts with the client’s prior written authorization. Clients Are Responsible for Third-party Fees Clients are responsible for the payment of all third-party fees which could include external money manager fees, custodian fees, investment platform fees, transaction fees, performance reporting fees, wire fees, etc. Those fees are separate and distinct from the fees and expenses charged by us. Please see Item 12 of this brochure regarding broker/custodian fees and practices. Outside Compensation for the Sale of Securities to Clients Neither SCA nor its supervised persons accept any compensation for the sale of securities or other investment products, including asset-based sales charges or service fees from the sale of mutual funds.