We are headquartered in Grand Rapids, Michigan. We began business as a securities broker-dealer in 1978. We began offering investment advisory services in 2000. Our principal owners include Mario Bernardi, Ryan Diepstra, Randall L. Hansen, Kevin Kelly, James Klunder, Michael Ochoa, and Katie Tuinstra. Advisory Services We offer discretionary and non-discretionary investment management and financial planning services. Prior to engaging us to provide services, you will be required to enter into a written agreement with us setting forth the terms and conditions under which we will provide our services (“Investment Management Agreement”). Our specific services, terms of our compensation, method of payment, and other important information are explained in more detail below. Our clients include individuals, businesses, trusts and estates, retirement plan sponsors and plan participants, foundations, endowments, and other charitable organizations. Our investment advisory services are provided by and through our firm’s investment adviser representatives. We do not have an investment committee that determines the investment advice or recommendations to be given to our clients. Instead, each of our investment adviser representatives exercises his or her professional judgment to provide investment advice, recommendations, and advisory services. Our Services for Individually Managed Accounts We offer investment management services through individually managed accounts (“Individually Managed Accounts”), as described in the following paragraphs. There is no minimum size for our Individually Managed Accounts. Assessing Your Financial Needs and Objectives In handling Individually Managed Accounts, our representatives will meet or speak with you to learn about your investment objectives, your investment timeline, your risk tolerance, and other information about your personal circumstances. Based on the information gathered, your investment adviser representative will tailor advice to your needs and recommend a portfolio consisting of one or more categories of securities which we believe will serve your investment objectives in light of your risk tolerance. You may impose restrictions on investing in certain securities or types of securities. During the interview process with our representatives, you should take care to ensure that the information you provide is accurate and complete. The information you provide us will play a key role in our ability to properly assess your investment objectives and risk tolerance. We do not independently verify or update the information you provide. Centennial Securities Company, Inc 2 Form ADV Part 2A You should promptly inform us of any material change in your personal information, financial circumstances (including cash flow needs), investment objectives, or risk tolerance. We will assume you have not had any material change in your circumstances unless you tell us otherwise. While we will use our best efforts to recommend investments that are designed to address your investment objectives and risk tolerance, we cannot assure you our recommendations will achieve your objectives. Past performance of investments is not necessarily indicative of future performance. Election of Discretionary or Non-Discretionary Investment Management Services We offer both discretionary and non-discretionary accounts. In a non- discretionary account, you must approve each of our investment recommendations prior to implementing them. When making investment decisions yourself, you should consider the important information contained in the current prospectus for the mutual fund or other security, if applicable. We would be happy to answer any investment-related questions you may have. The other option we offer is to have your account managed on a discretionary basis. Discretionary investment authority permits us to direct the purchase or sale of securities held for your account in accordance with your investment strategy and objective without obtaining your permission for each specific transaction. Unless otherwise agreed, there are no specific limitations on the securities to be bought or sold or on the amount of such securities for a particular account other than the standard limitations inherent in actions prudently taken in the context of your particular circumstances. Discretionary investment management authority does not permit us to withdraw or transfer money from your account, except to pay our fees as described below. Customized Portfolios We develop customized portfolios based on our professional judgment, investment research, and analysis, as well as the experience of our representatives, including the use of asset allocation software provided by our clearing broker- dealer and qualified custodian, RBC Correspondent Services, a division of RBC Capital Markets, LLC (“RBC”), headquartered in Minneapolis, Minnesota. Subject to our firm’s general supervision, the investment adviser representative with whom you choose to work will determine the investment advice you receive. Based on your personal circumstances and risk tolerance, your representative will recommend a customized investment portfolio. In recommending one or more investment strategies, we seek to combine various risk categories that, when considered as a whole, have a blended risk/return characteristic that is consistent with your overall risk tolerance and investment objectives, and time horizon. We may change the investments from time-to-time Centennial Securities Company, Inc 3 Form ADV Part 2A based on a variety of factors, including such things as our assessment of the stock market, interest rates, the economy, recent developments impacting specific securities, and other considerations. We change your portfolio’s composition or its investment weighting by purchasing or selling securities held in your account. Investment decisions will be driven primarily by changes in our recommended asset allocation for your account, rather than the timing of your purchase or sale of any particular investment or how long you have held it. We will generally purchase, sell, and hold investments in your portfolio without specific consideration of your other investments and without regard to the specific tax consequences resulting from the purchase or sale of an investment in your account. For specific tax questions or concerns, you should consult a tax professional. Our customized approach helps us to manage your account while providing you with the appropriate amount of flexibility. For example, you may already own some investments that you wish to hold for personal or other reasons. You may own some securities that we would not have recommended, but that you may not want to sell for tax reasons. We are not responsible for the suitability of investments that you have selected without our recommendation whether or not you continue to hold them after we begin managing your account. Investment Management Services through Centennial’s Wrap Fee Program In addition to the programs discussed in this brochure, we offer customized portfolios through an advisory program that is our sponsored wrap fee program— Centennial Select (our “Program”). We emphasize continuous personal client contact and interaction in providing discretionary and non-discretionary investment management services. If you participate in our Program,

we charge an asset-based fee which covers our advisory services and transaction execution in lieu of commissions. Clients participating in our Program are also typically charged fees incurred by the firm for holding client assets on RBC’s advisory platform and mailing trade confirmations. These fees will apply unless otherwise negotiated with your investment adviser representative. Fees collected may exceed fees incurred, resulting in a profit to our firm or representatives. Our Program is generally managed in the same fashion as the programs discussed in this brochure using similar products and investment strategies as those discussed in more detail below. A complete description of this Program and its fees are contained in our Part 2A Appendix 1 (“Wrap Fee Brochure”). To request a copy of our Wrap Fee Brochure, please contact your investment adviser representative or our office at 616-942-7680. Investment Management Services outside of Advisory Programs You are not obligated to participate in our Program, or any of the programs discussed below, in order to implement our investment advice. If you engage us outside of these programs, we will provide our investment advice to you, but we will implement Centennial Securities Company, Inc 4 Form ADV Part 2A your transactions through another broker-dealer/custodian of your choice. You may impose reasonable restrictions or limitations on the types of investments in your account by providing us with such restrictions or limitations in writing. Third-Party Managers and Advisory Programs made available through RBC We offer investment management services to identify, monitor, and manage unaffiliated third-party investment managers (“Third-Party Managers”) through investment programs offered by or through RBC. Accounts for these investment programs are carried by RBC as the qualified custodian. Through our relationship with RBC, we presently offer RBC Unified Portfolios (“RBC UP”) and Third-Party Mangers through Envestnet Direct. For externally managed programs, we will select and recommend managers based on a number of factors including, but not limited to, their investment experience, specialty, and historical performance. We will discuss the background of these managers with you to determine whether one or more of them may be suitable to manage some or all of your account. We will also monitor your account on an ongoing basis and recommend changes when and if necessary. In conjunction with these Third-Party Managers’ programs, we act as a solicitor for, and offer advice about these programs. Similar to our Program, the sponsor selects the investments, monitors and evaluates investment performance, executes your portfolio transactions without commission charges, and provides custodial services for your assets. All of these services are generally provided for an asset-based fee which is paid to the program sponsor, who in turn pays a portion of the fee to the to us. We will serve as your primary contact for these Third-Party Managers and the related investment programs. . We are not, however, responsible for investment advisory or brokerage services performed by a Third-Party Manager. In each of these advisory programs you will sign an Advisory Master Services Agreement with RBC. Our related services will also be covered by their contract. RBC will charge and collect the program-related fees and charges; in turn, RBC will pay us our share of those fees. Some of these investment programs allow you to purchase and sell mutual funds. These accounts may not be used for market timing strategies or activities for mutual funds or any high frequency trading activity. Neither we and RBC will not be responsible for any losses resulting from market timing activities or any action taken under its market timing policies. RBC Unified Portfolios (“RBC UP”): RBC UP is a unified managed account that provides clients with access to multiple model portfolios provide by Investment Managers, mutual funds and ETFs all within a single account with RBC Wealth Management or Envestnet providing overlay services. RBC UP allows you to bring your investments together in one account, receive professional money management, strategic tax management services, overlay portfolio management services for a single fee based on the value of your account. You’ll have access to a variety Centennial Securities Company, Inc 5 Form ADV Part 2A of investments, including mutual funds, professional money managers, and exchange traded funds (ETFs). The minimum investment to utilize this program is $10,000. At this level clients will have access to several ETF portfolios and rebalancing capabilities. With a minimum investment of $25,000, clients will also have access to a variety of RBC and other third- party model portfolio providers. If interested, ask your representative for a list of all third- party model portfolio providers. In addition to the negotiated advisory fee, RBC charges a platform fee of 20 basis points and an overlay manager fee of 5 basis points. These fees are charged to cover the cost of executing transactions in your account. The platform fee may be reduced as accounts increase in assets. Envestnet Direct (“Envestnet”): Envestnet is a leading provider of integrated portfolio, practice management, and reporting solutions to financial advisors and institutions. Their open architecture platform encompasses a broad range of institutional-quality research, investment products, and advisory resources. Envestnet provides access to a vast array of investment vehicles and Third-Party Manager relationships that may be otherwise unavailable. Account minimums and fees can range based on the program and manager selected by you and your representative. In addition to the negotiated advisory fee, RBC charges a 10 basis point custody fee, Envestnet charges a platform fee, and the Third-Party Manager charges a management fee. These fees are charged to cover the cost of holding your assets and executing transactions in your account. Specific fee information should be discussed with the representative with whom you decide to work. Financial Planning and Consulting Services We also offer tailored financial planning and consulting services. Whether you decide to engage us to perform comprehensive financial planning or a more narrow approach, you may select from a wide menu of financial topics, including: investment product and services planning, tax planning, financial planning with needs analysis, insurance planning, business planning, estate planning (other than legal services), real estate and mortgage analysis, personal and business budgeting, purchase recommendations, cash flow management, and retirement planning. Depending on which of our representatives you decide to work with and their respective level of expertise and certification, not all services may be available. Our project or hourly fees for these services are described below in the “FEES AND COMPENSATION” section. There is no firm-level minimum net worth required for our financial planning and consulting services, although certain representatives may personal minimums. Centennial Securities Company, Inc 6 Form ADV Part 2A Assets Under Management As of December 31, 2022, we provided continuous and regular management services on a discretionary basis for accounts valued, in the aggregate, at approximately $485,478,325 and on a non-discretionary basis for accounts valued, in the aggregate, at approximately $459,314,551.