Bard Financial Services, Inc. is an investment advisor with its principal place of business in Branford, Connecticut. The Firm is structured as a corporation under the laws of Connecticut. Kenneth Spitzbard and Jeffrey Welsh are the principal owners of Bard Financial. Bard Financial has been in the investment advisory business since 1984 and has been registered with the SEC as an investment adviser since January 2015. As of December 31, 2023, the Firm had assets under management of approximately $573 million, managed on a discretionary basis. Description of Advisory Services The Firm’s primary advisory services are described below: The Wealth Management Platform – Advisor Managed Portfolios Program: The Wealth Management Platform – Advisor Managed Portfolios Program (“Advisor Managed Portfolios”) provides comprehensive investment management of your assets through the application of asset allocation planning software as well as the provision of execution, clearing and custodial services through Pershing, LLC (“Pershing”). Advisor Managed Portfolios utilizes a risk tolerance questionnaire, fund profiling, performance data, and portfolio optimization tools. Utilizing these tools and based on your responses to a risk tolerance questionnaire and discussions that we have together regarding, among other things, investment objective, risk tolerance, investment time horizon, account restrictions, and overall financial situation, we construct a portfolio of investments for you. Your portfolio may consist of mutual funds, exchange traded funds (“ETFs”), equities, debt securities, variable annuity sub‐accounts (certain restrictions may apply) and other investments. You have the opportunity to place reasonable restrictions on investments held within the Advisor Managed Portfolios. Advisor Managed Portfolios Program’s annual management fee is negotiable with each client and generally ranges from .5% to 1.5% but can go up to 2.3%. The fee will be negotiated and stated in the fee schedule which must be signed by both Bard Financial and the client. Management fees for client accounts are calculated and billed in advance of each period (quarterly). Because Bard Financial is able to keep a larger percentage of the fees it charges for the Program, the Firm has a financial incentive for recommending the Program over other advisory programs. The Wealth Management Platform – Unified Managed Account Program (“UMA”): This program is sponsored by VISION2020 Wealth Management Corp., an SEC-registered Investment Adviser. VISION2020 Wealth Management Corp. is a subsidiary of Advisor Group, Inc., a wholly owned subsidiary of Advisor Group Holdings, Inc. Within this program, we establish Genesis Model Portfolio Accounts (GMPAs), within which we utilize professionally managed exchange-traded and mutual fund asset allocation portfolios. A GMPA can contain one or more investment managers, with each investing according to a specific strategy. The investment manager is responsible for selecting the funds within a portfolio, and for making changes to the funds selected. Each investment manager strategy is assigned to its own custodial account. This section is intended as a brief summary

of the UMA and AMP Programs. For further details about either of these programs, including a full list of Program Managers, please see the Wrap Fee Brochure that is provided by Vision2020 Wealth Management, the sponsor of both programs. We provide this Wrap Fee Brochure prior to or concurrent with your enrollment in the UMA or MAP Programs. Bard Financial Services, Inc. ADV Part 2A Page 5 Please read it thoroughly before investing. Retirement Plan Consulting Services: We offer retirement consulting services to employee benefit plans and their fiduciaries. The services are designed to assist the plan sponsor (you) in meeting its management and fiduciary obligations to the plan under the Employee Retirement Income Security Act of 1974 (“ERISA”). Retirement consulting services will consist of general or specific advice, and may include any one or all of the following: 1. Rendering investment advice to plan sponsors 2. Recommending plan investment menu 3. Review of qualified default investment alternatives (QDIAs) 4. Recommending and monitoring investment options 5. Rendering investment advice to plan participants 6. Providing ongoing support for plan operation 7. Supporting service provider transition/platform conversion 8. Conducting employee education meetings 9. Conducting group enrollment meetings 10. Conducting individual participant meetings 11. Phone/email support to participants We will determine with you in advance the scope of services to be performed and the fees for all requested services. Prior to engaging us to provide pension consulting services, you will be provided a written statement setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the relevant fees and fee-paying arrangements. The statement will explain in more detail the specific services we will provide to you. We will also provide additional disclosures about our services and fees, where required by ERISA. When we perform our agreed upon services, we will not be required to verify the accuracy or consistency of any information received from you. We will serve in a nondiscretionary ERISA fiduciary capacity with respect to some, but not all, of the services that we provide which will be further explained in our written statement. You are always free to seek independent advice about the appropriateness of any recommendations made by us. Administrative Services: We occasionally provide administrative services for existing clients. These services include, but are not limited to, calculation of cost bases and re‐registration of securities. Financial Projections: We occasionally prepare financial projections for other professionals (i.e., attorneys, accountants). They advise clients and their families on the viability of various living arrangements, given the financial situation. For example, professionals (you) may provide a client account balance, allocation (i.e., 40% stocks, 40% bonds, 20% cash), and annual client withdrawals. We will then provide projection(s) indicating the viability of the scenario. Your clients may or may not use these projections in relation to investment decisions. Bard Financial Services, Inc. ADV Part 2A Page 6