A. Description of the Advisory Firm LK Financial Planning LLC is a Limited Liability Company organized in the state of New York. This firm was formed in April of 2012, and the principal owner is Lawrence O. Kamin. B. Types of Advisory Services LK Financial Planning LLC (hereinafter “LKFP”) offers the following services to advisory clients: Investment Supervisory Services LKFP offers ongoing portfolio management services based on the individual goals, objectives, time horizon, income, assets, tax situation, and risk tolerance of each client. For those clients who seek portfolio management, LKFP creates an Investment Policy Statement that sets forth a recommended asset allocation tailored to each client’s specific situation. Investment Supervisory Services include, but are not limited to, the following:  Investment strategy  Asset allocation  Risk tolerance  Personal investment policy  Asset selection  Regular portfolio monitoring LKFP evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. In most cases, LKFP will request discretionary authority from clients in order to select securities appropriate for the recommended asset allocation and execute transactions without permission from the client prior to each transaction. Financial Planning Financial plans and financial planning may include but are not limited to advice related to: investment planning, life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. These services are based on fixed fees or hourly fees and the final fee structure is documented in the Financial Planning Agreement. If you request, LKFP may recommend the services of other professionals for implementation purposes.

You are under no obligation to engage the services of any such recommended professional. You retain absolute discretion over all such implementation decisions and are free to accept or reject any recommendation from LKFP. If you engage any professional recommended by LKFP, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from and against the engaged professional. C. Client Tailored Services and Client Imposed Restrictions LKFP offers the same suite of services to all of its clients. The specific services to be performed are set forth in the client agreement. Moreover, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which is based upon each client’s current situation (income, tax levels, and risk tolerance levels) and sets forth a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent LKFP from properly servicing the client account, or if the restrictions would require LKFP to deviate from its standard suite of services, LKFP reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. LKFP does not participate in any wrap fee programs. E. Assets under Management As of January 30, 2024 LKFP had a total of $74,556,485 in assets under management across 40 Discretionary accounts.