A. The Firm and its Owners Personal CFO Solutions, LLC (“Personal CFO”, “Firm”, “we”, “us” or “our”), is a New Jersey limited liability company that was formed in May 2011. Personal CFO is owned equally by John Vieira, Patrick Nolan and Bryan Landadio. B. The Firm’s Services 1. Financial Planning and Consulting Personal CFO specializes in financial planning and consulting services. These services are comprised of ongoing financial counseling services for clients which incorporate the following areas: investment planning; income tax planning and preparation; estate planning & wealth transfer planning; employee benefit elections; insurance reviews and recommendations; financing of purchases; and cash flow modeling including retirement planning. We also provide various services relative to client assets not under Personal CFO’s management, including reviewing and monitoring such assets, and various activities related to such services. Personal CFO provides services to its client via meetings where financial exhibits are presented, discussed, and reviewed. Client meetings typically take place in person with the exception of geographic challenges that preclude face to face meetings. In those instances, teleconferences are utilized. Typically, Personal CFO will assist the client with the implementation of the financial plan while working with the client’s attorney, accountant, and/or insurance agent. The implementation of this plan will generally take the form of the Portfolio Management services described below. Personal CFO will also recommend the services of other professionals, such as tax, legal and mortgage professionals. Personal CFO does not receive any compensation for such referrals. The client is under no obligation to engage the services of any such recommended professional, and retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Personal CFO. 2. Discretionary Portfolio Management Services Personal CFO’s portfolio management services involve providing discretionary investment advice based on a client’s individual investment objectives and financial situation on an ongoing and continuous basis. In conjunction with the financial planning services described above, Personal CFO will interview clients and confirm their investor profile and risk tolerance. This profile will be openly communicated and discussed with the client at scheduled meetings. Clients have the ability to change their desired profile based upon market, economic and world events, as well as personal life events such as a pending retirement. Using the determined client profile, if suitable to the client’s investor profile, the Firm will recommend Personal CFO Managed Portfolios (the “Program”) described in Form ADV Part 2A, Appendix 1 (“Wrap Fee Brochure”). The Personal CFO Managed Portfolios allocates client investable assets among various investment company securities (such as mutual funds and ETFs). As an alternative to the program, if suitable to the client’s investor profile, Personal CFO recommends that its clients allocate investment assets on a discretionary basis to independent investment manager programs offered through one or more independent managers (the “Independent Manager”). In the event that an Independent Manager is utilized, the client will be required to execute a separate written agreement with the Independent Manager (“Independent Manager Advisory Agreement”) and will incur additional fees imposed directly by the Independent Manager. Additionally, Financial Planning clients who have elected to not utilize

the Program or an Independent Manager, as part of the ongoing financial planning services, will allow Personal CFO to recommend and effect transactions on their behalf in their accounts on discretionary basis. These clients are responsible for all brokerage fees. 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). When Personal CFO provides rollover advice to a client or prospect regarding a retirement plan account or individual retirement account, Personal CFO is acting 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. If Personal CFO recommends that a client roll over their retirement plan assets or transfer an IRA into an account to be managed by Personal CFO, and Personal CFO will earn an advisory fee on the rolled over assets, that recommendation creates a conflict of interest. Accordingly, Personal CFO operates under a special rule that requires Personal CFO to act in the client or prospects best interest and not put Personal CFO’s interest ahead of the client’s or prospects. No client is under any obligation to roll over retirement plan assets or transfer IRA assets to an account managed by Personal CFO. We are available to address any questions that a client or prospective client may have regarding the conflict of interest presented by such rollover recommendation. 3. 401k Consulting The firm also occasionally acts as a 401k consultant for various 401k plans on a non-discretionary basis. In providing 401k consulting services, the firm assists the client in determining risk tolerance and investment objectives that are appropriate for each plan. This service is offered ancillary to the Firm’s discretionary portfolio management service, and Personal CFO does not receive additional compensation beyond that charged for its Personal CFO Managed Portfolios. C. Miscellaneous Information About the Firm’s Services In connection with the provision of Personal CFO’s services, Personal CFO tailors its advisory services to the client’s individual needs. It does this by completing a client suitability assessment for each client, and by maintain regular contact between Personal CFO and the client to ensure that the client’s goals and risk tolerance are current. Clients can impose reasonable restrictions on Personal CFO’s services, which can include restrictions on investing in certain securities or types of securities. D. Wrap Fee Accounts Personal CFO is the sponsor and manager of the Personal CFO Managed Portfolios Wrap Fee Program. Wrap fee accounts and allocation decisions are managed primarily based upon input from the investment management team. Other accounts are managed primarily by the Financial Advisor responsible for that client. See Personal CFO’s Wrap Fee Brochure for additional details and Wrap Fee Specific disclosures. Personal CFO receives a portion of the wrap fee for the management services provided to Personal CFO Managed Portfolios. E. The Firm’s Assets Under Management As of December 31, 2023, Personal CFO’s had $1,166,285,610 in discretionary assets under management.