Providence Capital Advisors, LLC (“PCA”) is a Registered Investment Adviser (“Adviser”) which offers investment management and financial planning services to our clients. We are registered through and regulated by the Securities and Exchange Commission (“SEC”). We provide investment advice through Investment Adviser Representatives (“Advisor”) associated with us. These individuals are appropriately licensed, qualified, and authorized to provide advisory services on our behalf. PCA was founded in 2015. Tom Searson, Brian Jones, and Stephen Ratcliffe serve as the Principals of PCA. We provide portfolio management services to individuals, high net worth individuals, corporations, and small businesses. Our minimum account opening balance is $1,500,000 to engage both financial planning and investment management services and $500,000 for relationships limited to only investment management services. These minimums are negotiable under certain circumstances. Services We provide discretionary and non‐discretionary investment management services and financial planning services. Our focus is on helping you develop and execute plans that are designed to build and preserve your wealth. We do not participate in wrap fee programs. Investment Management Investment management is the professional management of securities in order to meet your specified investment goals. With an Investment Management Account, you engage us to assist you to meet your unique investment objectives. The investments in the investment management account may include stocks, bonds, options, master limited partnerships, exchange traded funds (“ETFs”), preferred stocks, mutual funds, alternative investments, etc. We will meet with you to discuss your financial circumstances, investment goals and objectives, and to determine your risk tolerance. We may ask you to provide statements summarizing current investments, income and other earnings, recent tax returns, retirement plan information, other assets and liabilities, wills and trusts, insurance policies, and other pertinent information. Based on the information you share with us, we will analyze your situation and recommend an appropriate investment strategy. Our recommendations and ongoing management are based upon your investment goals and objectives, risk tolerance, and the investment strategy you have selected. We manage multiple investment strategies for clients with a focus on individual securities. The allocation to each of these strategies is tailored to the specific needs and goals of each client. Some clients may be invested in just one of our strategies, while others may have exposure to all five. From time to time, and if appropriate, we also recommend that Clients invest in alternative investments. Only clients are considered for which these types of investments would be appropriate. Core Equity Portfolio Our Core Equity Portfolio focuses on identifying companies with secular or cyclical tailwinds that help propel growth within an industry. We focus on industry‐leading companies with competitive advantages that can capitalize on these tailwinds and drive above‐market growth. Disciplined valuation is a critical component to security selection in order to avoid overpaying for future growth potential. Our focus on industry‐leading companies results in a well‐diversified portfolio of global corporations that compete in our domestic market, developed international markets, and emerging international markets. When the right opportunities arise, the portfolio will include small cap and mid cap companies to complement the global multinational corporations. We manage risk in the portfolio by maintaining sector weightings between 50% and 200% of the S&P 500 sector weightings for the 8 major sectors. Portfolios typically include 25‐35 stocks. Diversified Income Portfolio Our Diversified Income Portfolio is a multi‐asset class combination of income‐producing securities. The portfolio includes high dividend paying common stocks, real estate investment trusts, preferred stocks, and fixed income. We believe this hybrid, diversified approach provides an optimal balance between a dependable income stream and risk management. The primary objective in selecting securities is the sustainability of the income stream, with a secondary focus on the ability of this income to increase over time. Covered Call Portfolio Our Covered Call portfolio uses call options to increase the income and decrease the volatility of a stock portfolio. A call option gives the owner the right to buy a stock before a specified date (expiration) and at a specified price (strike). In a covered call portfolio, this right is sold to someone else in exchange for income. The strategy is executed by buying a stock and simultaneously selling a call option on that stock. If the stock price is below the strike

price at expiration, we usually continue to hold the stock and sell another call option to bring in additional income. If the stock price is above the strike price at expiration, the stock will be sold at the strike price. Covered call portfolios typically go up less than the stock market during up markets and go down less than the stock market during down markets, which results in lower volatility. Covered call portfolios are optimal in a relatively flat or slightly positive equity market environment. We focus on call options that allow for modest price appreciation before the strike price and expire in 2‐ 4 months. Portfolios typically include approximately 15‐20 covered call positions. Fixed Income Portfolio Fixed Income provides the foundation of a balanced portfolio, and we therefore focus exclusively on high quality bonds with low default risk. Credit quality is the primary driver of security selection with yield generation a secondary driver. Taxable bond portfolios are constructed primarily with investment grade corporate bonds. Tax‐free bond portfolios are constructed using high quality municipal bonds taking into account the state in which the client resides. Exchange Traded Fund (ETF) Portfolio Our Equity ETF portfolio provides diversification across large cap, mid cap, small cap, developed international, and emerging markets. We tactically change allocations to these areas based on valuations, growth potential, and risk management. Furthermore, we add additional ETFs to the portfolio to gain exposure to specific investment themes or geographies. If the bond allocation of a balanced ETF portfolio is a size which does not warrant individual bonds, we complement the ETF equity allocation with bond ETFs. Your asset allocation may change as your personal circumstances change; therefore it is important that you notify us promptly when your financial situation, goals, objectives, or needs change. In addition, in some instances we may implement an investment strategy not listed above, based on the client’s goals and objectives. You shall have the ability to impose reasonable restrictions on the management of your account, including the ability to instruct us not to purchase certain stocks or other securities. These restrictions may be a specific company security, industry sector, asset class, or any other restriction you request. It is important to note that any restrictions may adversely affect the composition and performance of the investment portfolios. Under certain conditions, securities from outside accounts may be transferred into your advisory account; however, we may recommend that you sell any security if we believe that it is not suitable for the current recommended investment strategy. You are responsible for any taxable events in these instances. Certain assumptions may be made with respect to interest and inflation rates and the use of past trends and performance of the market and economy. Past performance is not indicative of future results. Financial Planning We provide comprehensive financial planning to our asset management clients. Financial planning is a comprehensive relationship which incorporates many different aspects of your financial status into an overall plan that intends to meet your goals and objectives. The financial planning relationship consists of face‐to‐ face meetings and ad hoc meetings with you and/or your other advisors (attorneys, accountants, etc.) as necessary. In performing financial planning services, we typically examine and analyze your overall financial situation, which may include issues such as taxes, insurance needs, overall debt, credit, business planning, retirement savings and reviewing your current investment program. Our services may focus on all or only one of these areas depending upon the scope of our engagement with you. It is essential that you provide the information and documentation we request regarding your income, investments, taxes, insurance, estate plan, etc. We will discuss your investment objectives, needs and goals, but you are obligated to inform us of any changes. We do not verify any information obtained from you, your attorney, accountant or other professionals. You are under no obligation to implement recommendations through us. You may implement your financial plan through any financial organization of your choice. We obtain information from a wide variety of publicly available sources. We do not have any inside private information about any investments that are recommended. All recommendations developed by us are based upon our professional judgment. We cannot guarantee the results of any of our recommendations. Assets Under Management As of December 31, 2023, we managed approximately $735,229,011 in discretionary assets, and approximately $34,799,780 in non‐discretionary assets, for total assets under management of $770,028,791.