About Our Firm Blue Spark Capital Advisors is a fiduciary fee--­only wealth management firm based in New York City, with offices in the Berkshires of Massachusetts. We specialize in the needs of women and their families after divorce, death of a spouse or parent, or other life transition such as retirement or job change. We provide holistic and objective financial advice to women and their families. We consider all of our clients’ investment and life goals as a whole, offering investment management combined with comprehensive financial planning. As of March 8, 2024, Blue Spark managed $208,266,939 in discretionary assets under management (AUM). We have been in business since April 2012 and have offices in Hudson Yards in New York City, and in Great Barrington, Massachusetts. The firm is registered as an investment advisor with the United States Securities and Exchange Commission. Our Mission At Blue Spark Capital Advisors, we believe in a holistic approach. We aim to simplify your financial life, optimize your investments, and organize your personal financial planning. We work individually with you, to help develop a tailored plan that is right for your particular circumstances to help you achieve your most important financial goals. Movement in each piece of your financial plan can impact the other pieces, so we consider all your goals as a whole. For example, your retirement strategies can impact your college savings for your children as well as your estate planning goals. We believe that the appropriate allocation of investments for your objectives and risk tolerance – and the time frame for when you need your money – are some of the most important components in developing an investment portfolio. Through a well- planned, diversified approach to wealth building, we aim to give you peace of mind, freedom, and security. Fundamental Principles We advocate a measured and prudent strategy, a balancing of risk and return that is appropriate for your particular situation. Our investment philosophy centers on the fact that markets do not always rise, nor do they fall forever. We do not chase the highest returns nor do we aim to catch the top or the bottom of the market. We generally use a combination of low-cost ETFs and a select group of actively and passively managed mutual funds. Using an institutional method of “liability-driven investing” and broad diversification, we guide our clients to invest according to their specific time frame – when they need to use the assets. That then drives investment choices. We fully customize portfolios based on each client’s needs. We work with your accountant to overlay those investments to achieve optimal tax management, because the bottom line is what you keep. That helps our clients sleep at night. We keep in mind certain principles when designing an investment portfolio. The purpose is usually to fund current and future financial objectives, so your portfolio must take into account your goals, tolerance for risk, need for current income or liquidity, and many other considerations such as income and estate taxes. A main objective is to reduce risk through matching your liabilities – your expenses – with the appropriate investments. 6 Blue Spark Capital Advisors It’s important to remember that no one can predict the future. In fact, it’s the difference of opinion that makes a market. Investment and economic experts, each one provided with the same information, often come to different conclusions. We look at decades of market data, Nobel-Prize­winning academic and company research, and the latest discoveries in behavioral finance. We do not suggest that we, nor any of the asset managers that we recommend, will make the correct decision every time. We do believe that studying the historic trends and relationships of investment classes can provide valuable insight. To achieve diversification that reduces risk, we recommend allocating assets among stocks, bonds, and real estate, commodities, and other publicly traded alternative investments, as well as cash on occasion. Stocks are diversified further among different sized companies, and among U.S. and international, in both developed and developing economies. We follow a disciplined strategy through both the ups and downs of the financial markets. Many studies have shown that trying to “time” the market by chasing yield or running from losses is not beneficial over the long run. We hold ourselves to the fiduciary standard, which means our firm and its associates act in the utmost good faith in what we believe is in the best interest of our clients. As fiduciary investment advisors, we are required to put you – our client – first. Principal Owners Maura Griffin, CEO, Founder, and Principal, is 100% owner of Blue Spark Capital Advisors. Ms. Griffin is also the firm’s managing member, Chief Compliance Officer, and designated principal (supervisor). Types of Advisory Services Blue Spark Capital Advisors provides investment management combined with financial planning services. Investment Management Services We begin our relationship with a Discovery Meeting to learn more about you. We ask questions about your goals, your family, your history with money, current situation, and your worries and concerns. We do this to help you plot out timelines for your goals and discuss how best to get there. We provide our Investment Management Services on a discretionary basis, under a discretionary authority

agreement (defined in Item 16), which means we select your investments and execute trades in your account that we believe are right for you based on our mutually agreed upon Investment Policy Statement and our discussions of your goals and a variety of other factors including your specific objectives and market conditions. Our investment management services include the following:
• Investment strategy,
• Holistic financial planning,
• Asset allocation,
• Investment selection,
• Asset location for tax efficiency,
• Regular and continuous portfolio monitoring. We help prepare an Investment Policy Statement to reflect your investment objectives, time horizon, tolerance for risk, as well as any constraints or restrictions involving certain types of securities. The Investment Policy Statement is designed to be specific enough to provide future guidance while Blue Spark Capital Advisors 7 concurrently allowing flexibility to respond to changing market conditions. Financial Planning Services We believe that solid planning is imperative for a successful financial future and that planning should drive the selection, allocation, and class of investments chosen for each Client. For this reason, detailed financial planning is included in the services we provide to all of our investment management clients. We provide advice on cash flow analysis, retirement income needs, education funding, risk management, estate planning, maintaining adequate insurance, or other specific financial-related issues as you may request. We help position portfolios, for growth and income and maximum tax efficiencies; and we determine optimal cash flow strategies with methods for savings, debt reduction, and retirement income. We provide written recommendations and deliverables specified in our Agreement. We do not offer stand-alone financial planning engagements. We offer our services for people in situations such as: ▪▪ Newly Single or in Transition – Managing your finances after a major emotional life change, such as divorce or losing a spouse or parent, can be overwhelming. We can help you sort out your financial life during difficult emotional times. We aim to educate about personal finance topics as well as help you explore the many details of planning, investing, tax implications and personal finance. ▪▪ Nearing Retirement – It takes significant planning to arrange your finances so you can retire when you want, with the lifestyle you want. We analyze issues such as the earliest age you can retire and the maximum you can spend without outliving your assets. We prefer the term “financial independence” over “retirement” because it’s often not a full--­stop to work but a transition to a different kind of work. We provide a roadmap for those in retirement and those planning to retire. ▪▪ Seeking Retirement Income – After you have accumulated enough assets to comfortably leave your primary career behind, you may need help in turning those assets into a recurring revenue stream. It can be a puzzle to determine strategies for tax efficiencies in the drawdown phases. You may want help in determining how much you can comfortably spend, and which accounts to tap into first. We can calculate a plan for a sustainable withdrawal schedule and that will put you on the path to enjoying your life. ▪▪ Investment Risk-Averse – We craft a portfolio so you do not take any more risk than is necessary to reach your goals, nor be too safe and risk running out of money. This is often based on when you need your money for different goals, and matching the timing of those liabilities with the appropriate investments. ▪▪ Income & Property Preservation – We help determine whether you have adequate insurance in case of death or incapacity, to protect your property from a catastrophe, protect against lawsuits, and provide for long--­term care expenses. We do not sell insurance products. ▪▪ Planning for Your Estate & Legacy – We help ensure that you are able to provide for your heirs and charities and make it easier for them to sort out your affairs after you’re gone. With advance planning, we can help reduce amounts subject to estate taxes and advise on the 8 Blue Spark Capital Advisors correct legal structures to efficiently distribute your assets. We work hand--­in--­hand with your lawyers and CPAs. ▪▪ College – Many of our clients are focused on funding high school and college for their children or grandchildren, beginning either at birth or later on. Choosing the right vehicle for savings is important from a tax standpoint. We can answer many of your college--­related financial planning questions. General Information Blue Spark Capital Advisors tailors its services to the needs of each individual client. We provide our investment services on a discretionary basis; however, you can impose restrictions on what to invest in or what not to invest in. We do not offer any investment programs involving wrap fees. Our firm does not provide legal or accounting services, but with your consent we work closely with your accountants, lawyers, real estate agents, and other advisors to coordinate and implement your strategies. Our firm uses its best judgment and good faith effort in rendering its services. However, Blue Spark Capital Advisors cannot warrant or guarantee any particular level of account performance or that your account will be profitable over time. Past performance is not necessarily indicative of future results.