The Adviser offers an investment program (“Program”) to clients (“Clients”) (i) at computer kiosks that are connected to the internet and located in third-party financial institutions, including regional and community banks, with whom the Adviser has entered into agreements regarding the offering of advisory services (“Intermediaries”) and (ii) through an online website and/or other web-based programs. Clients should be aware that investments in the Program are not FDIC insured, and placements of kiosks with Intermediaries and other arrangements with Intermediaries are not endorsements by those Intermediaries of the Adviser’s services. Information provided by Clients at the time of entering into the advisory relationship will be used to tailor the Program to the Client’s individual needs. Clients will provide information about, among other things, their investment objectives, risks, and portfolio holdings. Information will be gathered at the time of the account opening and periodically thereafter. The Program will then create an asset allocation strategy for each Client based on several proprietary models that have been created and are maintained by the Adviser. The Adviser’s may from time to time advise on investments outside the proprietary models. Investment strategy is limited to advice regarding Exchange Traded Funds (“ETF”), mutual funds, variable and fixed annuities, and similar investments. Clients may impose reasonable restrictions on the investments held in their account by calling the Adviser at 888.345.2163. Further information on asset allocation strategies offered through the Program can be found below. The Adviser’s DBAs used to transaction business are as follows: Nest Egg at OceanFirst Bank, Nest Egg at Phoenixville Federal Bank, Nest Egg at Flanagan State Bank, Nest Egg

at German American State Bank, Nest Egg at Washington State Bank, Nest Egg at First Bank Hampton, Nest Egg at Prevail Bank, Nest Egg at Republic Bank, Nest Egg at Fortifi Bank, Nest Egg at KeySavings Bank and Nest Egg at JWCole. The Adviser offers a fixed annuity model through Lincoln Financial Group (“Lincoln”). Specifics regarding the annuities are found in the annuity prospectus and application documents. The Advisor also offers 401(k) Plans through Vestwell, Inc. (“Vestwell”) and Lincoln. Investment selections may be limited to the choices offered through Vestwell and Lincoln’s investment models. The Adviser is also affiliated with a broker-dealer registered with the Financial Industry Regulatory Authority (“FINRA”), and certain associated persons of the Adviser may also be registered as a broker- dealer registered representative (See Item 10 – Other Financial Industry Activities and Affiliate for more information). In certain cases, Clients may be offered investment advisory and/or brokerage services. Before engaging with the Adviser or the affiliated broker-dealer, Clients should take time to consider the differences between an advisory relationship and a brokerage relationship to determine which type of service and their associated fees (whether asset-based or transaction-based) best serves the client’s investment needs and goals. Clients should speak to the Adviser to understand the different types of services available through the Adviser and its affiliated broker-dealer. Additional information is available on the Adviser’s Form CRS. Adviser manages Client assets only on a discretionary basis. Wrap Fee Programs The Adviser does not offer wrap fee programs. Assets Under Management As of December 31, 2023, the Adviser has $74,147,389 in assets under management.