General Information Prudent Street Financial Advisors, LLC (hereinafter referred to as “Prudent Street”) was formed in 2012 and provides financial planning, portfolio management, insurance brokerage, employee benefit and general financial consulting services to its clients. At the outset of a client relationship Prudent Street works to understand a client’s objectives, financial circumstances, and prior experience. Information is obtained through dialogue with the client and the use of various assessment tools. Clients may elect to retain Prudent Street to prepare an objectives‐based, comprehensive financial plan. This report is presented to the client for consideration. In most cases, clients subsequently retain Prudent Street to provide long-term investment portfolio management services, as well as insurance products, when appropriate. For both financial planning and investment advisory clients, Prudent Street typically develops 1) a “Client Profile” capturing the client’s financial circumstances, goals, and risk tolerance; and 2) an “Investment Plan” that outlines the client’s investment objectives and guidelines. The Client Profile and the Investment Plan are discussed regularly with each client. When Prudent Street provides only limited financial planning or other financial consulting services, a summary of the project(s) will be prepared to the extent necessary or advisable under the circumstances. Individual Financial Planning Financial planning, one of the services provided by Prudent Street, may be provided as a stand‐alone service or may be coupled with ongoing portfolio management. It may include advice that addresses one or more areas of a client's financial situation such as estate planning, risk management, budgeting, cash flow, retirement planning, education funding, and investment portfolio needs. Depending on a client’s particular situation, the financial planning process may include some or all the following:
• Gathering facts concerning the client's personal and financial situation
• Assisting the client in establishing financial goals and objectives
• Analyzing the client's present situation and anticipated future circumstances considering the client's financial objectives
• Identifying problems foreseen in the accomplishment of the client’s financial goals and objectives and offering alternative solutions
• Making recommendations to the client to help achieve retirement plan goals and objectives
• Designing an investment portfolio that best aligns with client objectives and risk profile
• Providing estate plan design guidance (does not include document drafting)
• Reviewing basic life, disability, and long-term care insurance needs
• Periodically reviewing client goals and objectives and measuring progress toward them Once a financial plan is delivered, the client may choose to have Prudent Street implement the plan and manage their investment portfolio on an ongoing basis. However, the client is under no obligation to act upon any of the recommendations made by Prudent Street and/or engage the services of Prudent Street or any other recommended professional. Portfolio Management As described above, at the beginning of a client relationship, Prudent Street gathers information from the client which is evaluated when developing the client’s Investment Plan. The Investment Plan will be updated as necessary based on changes in the client’s financial circumstances or changes in economic, political or market conditions. Prudent Street manages client investment portfolios on a discretionary basis. As a discretionary investment adviser, Prudent Street has the authority to supervise and direct a client portfolio without prior consultation with the client. Notwithstanding the foregoing, clients may impose certain written restrictions on Prudent Street in the management of their investment portfolios, such as prohibiting the inclusion of certain types of investments in an investment portfolio or prohibiting the sale of certain investments held in the account at the commencement of the relationship. Each client should note, however, that restrictions imposed by a client may adversely affect the composition and performance of their portfolio. Each client should also note that his or her investment portfolio is treated individually by considering each purchase or sale for the client’s account.

For these and other reasons, performance of client investment portfolios within the same investment objectives, goals and/or risk tolerance may differ. Clients should not expect that the composition or performance of their investment portfolios would necessarily be consistent with similar clients managed by Prudent Street. Corporate Retirement Plans Prudent Street advises the fiduciaries of corporate retirement plan sponsors with the selection and monitoring of plan investments. When delivering these investment fiduciary services, Prudent Street acts within the scope of either an ERISA 3(21) or 3(38) investment fiduciary. Prudent Street advises clients to implement an Investment Policy Statement (IPS) to guide investment selection and monitoring of their plan’s investments. The IPS’s primary purpose is to guide a plan’s investment-related decisions. When such policy already exists, Prudent Street evaluates the IPS with the client to insure its alignment with plan objectives, the most important of which is to serve the needs of plan participants and their beneficiaries. Plan fiduciaries are encouraged to review their IPS periodically. In conjunction with its corporate retirement investment fiduciary services, Prudent Street may also assist a plan with certain administrative functions, including employee enrollment & education, plan provider benchmarking, design consulting, compliance assistance, and plan provider transition/conversion support. A plan’s administrative operations are generally the responsibility of the plan sponsor/administrator, recordkeeper and third-party administrator. Financial Consulting In addition to the foregoing services, Prudent Street may provide other financial consulting services to clients. These services are provided on a project-by-project basis, and may include, without limitation, financial organization, asset transaction & re-finance analytics, cash flow planning for specified events, decision risk analysis, estate consultation, tax projections, insurance portfolio review, as well as other matters requested by a client and agreed to by Prudent Street. The scope and fees for “other” consulting services will be negotiated with each client at the time of engagement. Rollover Recommendations The DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") became effective July 1, 2022. When Prudent Street provides investment advice regarding a retirement plan account or individual retirement account, Prudent Street acts as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way Prudent Street earns money creates some conflicts with client interests, so Prudent Street operates under a special rule that requires us to act in a client’s best interest, not our own. Under the rule's provisions, Prudent Street must: i) meet a professional standard of care when making investment recommendations (give prudent advice); ii) never place Prudent Street’s financial interests ahead of a client’s when making recommendations (give loyal advice); iii) avoid misleading statements about conflicts of interest, fees, and investments; iv) follow policies and procedures designed to ensure that Prudent Street gives advice that is in a client’s best interest; v) charge no more than is reasonable for Prudent Street’s services; and, vi) give clients basic information about conflicts of interest. Prudent Street benefits financially from the rollover of assets from a retirement account to an account that Prudent Street manages or provides investment advice, because the assets increase Prudent Street’s assets under management and, in turn, its advisory fees. As a fiduciary, Prudent Street only recommends a rollover when it is in a client’s best interest. This Summary and Prudent Street’s Client Relationship Summary (Form CRS) are provided at least annually to all clients within 120 days of our fiscal year‐end. Prudent Street’s last annual update was filed on March 30, 2022. An other-than-annual-amendment was filed on October 31, 2022. Principal Owners David L. Richardson is sole owner of Prudent Street. Type and Value of Assets Currently Managed As of December 31, 2023, Prudent Street managed $163,031,949 on a discretionary basis, and $139,656,864 on a non‐discretionary basis.