MAS was founded in January 2001. In September 2021, HUB International Limited (“HUB”), a Delaware corporation, purchased Millennium Advisory Services, Inc. As of January 1, 2024, MAS managed approximately $707,519,606 on a discretionary basis. DISCRETIONARY INVESTMENT ADVISORY SERVICES MAS assesses the financial needs of each client through the completion of a guided data gathering process which provides a basis for a goals based financial plan. The information collected in that process is used to create a custom plan and asset allocation that takes into account various aspects of a client’s personal circumstances and life goals, particularly the client’s priorities among goals, age, time horizon, investment goals and objectives, financial circumstances, investment experience, investment limitations, trading restrictions and risk tolerance. Clients will generally be placed in one of the following models: Aggressive Growth, Capital Growth, Growth, Moderate Growth, Balanced, Balanced Income, or Conservative. MAS generally retains full investment discretion and trade authorization once the initial asset allocation decision with the client has been completed and will monitor the portfolios on an on-going basis. MAS’s models are generally constructed using investments in index exchange traded funds (“ETFs”) and open-end mutual funds for each of the investment strategies. For certain clients, MAS may be restricted to a limited menu of investment options as determined by a client’s retirement plan. Clients should also proactively notify Advisor of any changes in their financial situation or investment or life goal objectives. MAS also offers a Cash Management Solution which utilizes short-term cash investments to clients with the need for greater liquidity who wish to achieve a greater potential yield on their holdings without exposing the assets to a larger degree of market risk. For this Solution we typically utilize a mix of fixed income securities and money market mutual funds. In addition, MAS uses a third-party platform to facilitate discretionary management of “held away” assets of certain clients, such as defined contribution plan participant accounts. MAS does not have direct access to Client log-in credentials to affect trades and therefore do not have custody of client funds. The funds are custodied with the defined contribution plan provider(s). MAS is not affiliated with the platform in any way and receives no compensation from them for using the platform. A link will be provided to the client allowing them to connect an account(s) to the platform. Once the client account(s) is connected to the platform, MAS reviews the current account allocations. On a periodic basis and when otherwise deemed necessary, we will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. We regularly review the available investment options in these accounts, monitor them, and rebalance and implement our strategies in the same way we do other accounts, though using different tools as necessary. We are fiduciaries under the Investment

Advisor Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries 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. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. FINANCIAL PLANNING SERVICES MAS also offers written comprehensive and segmented financial plans. A comprehensive plan can include, but is not limited to, the topics of personal planning (family records, budgets, personal liability, etc.), cash flow and management, business planning, education planning, risk management, investment analysis, disability and long term care, retirement planning, estate planning, tax planning, insurance analysis, benefit plans and stock option analysis. A segmented plan can include any topic(s) requested by the client. MAS will work with the client to determine client’s goals and objectives and the advisory services needed to help meet those goals and objectives. Once all information and documents have been gathered, a plan will be created summarizing the client’s assets, liabilities, and other relevant financial information relative to the client’s goals and objectives. A final written plan will include specific recommendations to the client and might also include scenarios in topics such as benefit plans or asset allocations. EDUCATION AND COMMUNICATION SERVICES Advisor offers to provide the following services to retirement plans:
• Conduct group presentations on campus and virtually to employees to explain the differences between the new group contract retirement plan and any prior retirement plan contracts.
• Educate plan participants about the updated investment options available in the new retirement plan and the potential benefits of the new investment menu to help employees reach their retirement goals.
• Develop a financial plan based on the financial analysis of the employee’s personal circumstances and goals. The plan will include asset allocation recommendations for retirement accounts and outside assets.
• Meet privately with those employees to deliver their financial plan.
• Provide periodic written communications via email and group presentations on campus and virtually to help employees stay informed on issues such as saving, investing and retirement.