Novi Wealth and its successor firm were founded in 1998. Novi Wealth is a Fee-Only™, comprehensive financial planning firm. There are six (6) CERTIFIED FINANCIAL PLANNER™ practitioners in the firm, all are members of the prestigious National Association of Personal Financial Advisors (NAPFA) and two are members of the Financial Planning Association (FPA). Novi Wealth is primarily owned and managed by its managing principal, Robert Dunn. Novi Wealth currently provides investment management services to approximately $425 million dollars in assets under management on both a discretionary and non-discretionary basis. Financial Planning: Novi Wealth provides its clients with financial planning and consultation services (e.g., review of goals and objectives, analysis and recommendations for cash flow planning, asset allocation/investment planning, income tax planning, insurance planning, estate planning, retirement planning, education planning, real estate/mortgage planning, etc.). Investment Management Services: Novi Wealth provides discretionary investment management services on a fee-only basis. Novi Wealth primarily allocates client’s investment assets among: (1) the various mutual funds, mutual fund asset allocation programs, and separate account management programs offered through Charles Schwab & Company, Inc. (“Schwab”)and/or (2) among various mutual funds, and/or independent managers offered by and/or obtained through SEI. In the event a sub-advisor is selected, Novi Wealth or the sub-advisor will provide its respective disclosure brochures (ADV Part 2A) to its clients. Novi Wealth takes a less subjective, more systematic approach to investing-an approach we can implement consistently and is easily understood by the investors. The investment philosophy, process, substantial education, and financial planning help our clients understand and stick with the plan personally created for them. 1. Passive management is preferable to active management, especially in the core portion of a portfolio. Find the most efficient investment method to increase the probability/likelihood of a client meeting their financial objectives. 2. We focus on the factors we can control such as asset allocation, expenses, and style purity. 3. Manage the total portfolio for the highest after-tax return not the highest pretax return. 4. Our stock investments will be high risk because of their overweighting towards small cap and value type stocks. Our bond investments will trend towards high quality and low duration to reduce the overall risk of the portfolio. We will include alternative asset classes such as global real estate and commodities in our portfolios to achieve as much diversification as possible. Our first step in the investment process is to decide on asset allocation that is appropriate to meet the client’s financial objectives. Three primary factors go into the allocation decision; needs and circumstances, risk tolerance and time horizon. Our financial planning process uncovers and clarifies the needs and circumstances. The next step is to get an understanding of a client’s risk tolerance. While there are no guarantees we discuss past investment experience and also request that each client complete the FinaMetrica risk tolerance

questionnaire. Their score provides a good approximation of the client’s risk tolerance. We combine their risk tolerance score with our knowledge of their goals, time horizon, and their past experience with the financial markets to formulate the most appropriate asset allocation. This asset allocation is documented and agreed upon with the client when we present to them their investment policy statement. We typically implement our investment strategies utilizing Schwab’s Institutional platform. When possible, we will invest the asset allocation model across multiple accounts for tax and expense efficiency. We will rebalance accounts as needed according to the investment policy statement. SEI is a global asset management company and sponsor of its own proprietary mutual funds. SEI Trust Company, a subsidiary of SEI, serves as custodian for each SEI account, and provides each client with reporting services, including consolidated monthly statements, quarterly performance reports, and year-end tax reports. SEI enables investment advisers such as Novi Wealth to offer its clients mutual fund asset allocation models, underlying individual mutual funds, separate account management services and investment management programs (i.e., tax managed investment programs, etc.) that are not otherwise available to the general public. As part of its overall investment management program, SEI offers quarterly rebalancing of each client’s investment assets for the purpose of maintaining the assets in accordance with the client’s previously designated percentage (%) asset allocations for the SEI account. If a client desires automatic account rebalancing, he/she/they/it must first provide such authorization directly to Novi Wealth, who will then advise SEI accordingly. Novi Wealth obtains many no-load mutual funds without transaction charges and other mutual funds at nominal transaction charges. With respect to its non-discretionary asset management services, Novi Wealth generally maintains ongoing responsibility to make recommendations, based upon the needs of the client, as to the securities the account may purchase or sell and, if such recommendation is accepted by the client, Novi Wealth is responsible for arranging or effecting the purchase or sale. Other Terms & Conditions: Prior to engaging Novi Wealth to provide any investment management or financial planning services, the client will be required to enter into an investment advisory agreement (“Advisory Agreement”) setting forth the terms and conditions under which Novi Wealth shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer. The Advisory Agreement between Novi Wealth and the client will continue in effect until terminated by either party. An advisory client will have a period of five (5) business days from the date of signing this agreement to unconditionally rescind the agreement and receive a full refund of all fees. The Advisory Agreement will continue in effect until terminated by either party within 30 days written notice to the other (email notice will not suffice). In the event the client terminates Novi Wealth’s services, the balance of any unearned fee, if any, shall be refunded to the client.