PFP, a corporation organized under the laws of the State of Florida since May 13, 1991, is 100% owned by David M. Maggio. PFP began as a State of Florida registered investment adviser on October 30, 1992 and became a registered investment adviser with the SEC on June 23, 1999. In addition, we are notice filed with the appropriate states in which notice filings are required in order to conduct business as an investment adviser and to provide the investment advisory products and services described within this document. Please note that certain states do not require us to notice file if we have five or fewer clients that reside in a particular state. As of December 31, 2022, we have $262,097,387 of assets under management managed on a discretionary basis and $1,040,518 managed on a non-discretionary basis. We offer investment advisory services to individuals, and pension and profit sharing plans. This Disclosure Brochure provides you with information regarding our qualifications, business practices, and the nature of advisory services that should be considered before becoming our advisory client. Please contact Mr. Maggio, if you have any questions about this Brochure. Individuals associated with us will provide our investment advisory services. These individuals are appropriately licensed and qualified to provide advisory services on our behalf. Such individuals are known as Investment Advisor Representatives (“IARs”). Below is a description of the investment advisory and financial planning services we offer. For more detail on any product or service please reference the advisory agreement, wrap brochure (if applicable), or speak with your PFP IAR. Investment Advisory Services Our IARs provide investment supervisory services to clients through an analysis of personal financial planning objectives. The supervisory services emphasize providing adequate cash flow, the minimizing of taxes, planning for retirement and other long-term objectives adopted and coordinated with the client. We offer investment advisory services primarily through our Elite Account Program and Premier Account Program which are private managed accounts, affected through Schwab Institutional Services (“Schwab”), a registered broker-dealer. Custody of funds and securities are maintained by Schwab, not by us. These programs strive to offer individualized continuous and regular investment advisory services to you in connection with establishing and monitoring your investment objectives, risk tolerance, asset allocation goals and time horizon. You have the opportunity to place reasonable restrictions or constraints on the way your account is managed; however, such restrictions may affect the composition and performance of your portfolio. For these reasons, performance of the portfolio may not be identical with our average client. We use

a leading technology provider for portfolio management. We have substantially invested our time and resources in the tools that best serve our clients, protect their assets, and keep our business running seamlessly regardless of circumstances. The systems have enhanced rebalancing applications with excellent reporting capabilities. All our technology data is secured and backed up with multiple redundancies. Furnishes Advice to Clients on Matters Not Involving Securities Alternately, PFP offers financial planning services on an hourly or fixed fee basis. We offer financial plans encompassing, but not limited to, the following: - Personal Financial Planning; - Insurance and Estate Planning; - Capital Need Analysis; - Tax & Cash Flow; - Retirement Planning; - Investment Analysis and Planning; - Education Planning; - Business Planning; and - Performance Reports Financial planning information will be obtained through personal interviews concerning your current financial status, future goals and attitudes towards risk. Related documents that you supplied are carefully reviewed, along with data gathered from you, and a written report is issued. IRA Rollover Recommendations For purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") when applicable, PFP is providing the following acknowledgment to clients. When PFP provides investment advice to clients regarding their retirement plan account or individual retirement account, PFP is 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 PFP makes money creates some conflicts with your interests, so PFP operates under an exemption that requires PFP to act in the clients’ best interest and not put PFP’s interest ahead of the clients. Under this exemption, PFP must:
• Meet a professional standard of care when making investment recommendations (give prudent advice),
• Never put PFP’s financial interests ahead of the clients when making recommendations (give loyal advice),
• Avoid misleading statements about conflicts of interest, fees, and investments,
• Follow policies and procedures designed to ensure that PFP gives advice that is in the clients’ best interest,
• Charge no more than is reasonable for PFP’s services, and
• Give the clients basic information about conflicts of interest. PFP benefits financially from the rollover of the clients’ assets from a retirement account to an account that PFP manages or provides investment advice, because the assets increase PFP’s assets under management and, in turn, PFP’s advisory fees. As a fiduciary, PFP only recommends a rollover when PFP believes it is in the clients’ best interest.