Beyond Financial Services (“BFS”) provides investment advice and financial planning services to individuals and families, high net worth individuals, trusts, estates, special needs trustees, conservatorships, and non-profit organizations. Our advisory services are described below, and our brokerage services are described further below in Item 10. Other Financial Industry Activities and Affiliations. The investment advisory process includes the review and analysis of each Client’s objectives, cash flow requirements, financial constraints, risk tolerance, and special needs. Various strategies are discussed and/or presented to assist the Client in meeting their financial and personal objectives. Based on information provided by the Client, the Advisor makes recommendations as to how assets and other resources should be deployed and allocated as well as specific investment recommendations to accomplish the desired allocation. All investments are made on a non-discretionary basis. The Advisor provides ongoing investment advisory services including periodic portfolio reviews and adjustments to recommended strategies and investment allocations. BFS relies on Clients to notify them of any changes in their objectives, goals, and risk tolerance, as well as any other material changes in their personal circumstances (such as employment, marital status, financial condition, etc.). These changes may require adjustments in a Client’s investment account and to the investment strategies employed. Advisor will not be bound by any Investment Policy Statement (IPS) or investment guidelines unless Advisor is specifically advised of those restrictions by the Client in writing.

All securities transactions in connection with any recommendations are handled on a non-discretionary basis. This means that Client permission must be secured prior to executing any securities transaction. As a result, Client may further restrict their purchase of any security or types of securities. Portfolio recommendations may include: equities (e.g. exchange-listed securities and securities traded over the counter); corporate debt (other than commercial paper); certificates of deposit; municipal bonds; investment company products (e.g. mutual fund shares, variable life insurance, or variable annuities); and/or United States Government or Agency securities. Under limited situations, portfolios might contain other assets. BFS does not make recommendations regarding the purchase of commodities, futures, precious metals, warrants, or commercial paper. When BFS acts as an Investment Advisor, we are considered to have a fiduciary relationship with you and are held to legal standards under applicable federal and state securities laws. If you are an investment advisory Client, we owe you a fiduciary duty under the Advisers Act in connection with the specific investment advisory service we will be providing to you. An example of this duty is our obligation as an Investment Advisor to make full and fair disclosure of all material facts about our services and our relationship and an obligation to place your interests before our own when managing your account. Our charges for investment advisory services are set forth below. BFS does not participate in any wrap fee programs. As of December 31, 2023, BFS manages approximately $151,619,765 in non-discretionary accounts.