Services Our goal is to offer customized advisory services for our Client or Clients (hereafter referred to as the “Client”) based on their needs, goals, objectives, and risk tolerance. These services are provided to the Client by Investment Advisor Representatives, hereafter referred to as the “IAR”, of the Firm. The Firm offers services that may incorporate any or all of following: 1) Investment Management Services 2) Financial or other types of Planning Services 3) Consulting & Advisory Services, also referred to as Assets Under Advisement (AUA), and 4) Qualified Retirement Plan Services. In this brochure supplement, we will focus on the Investment Management Services that the Firm offers through it’s Wrap Fee Program known as the Caitlin John Wrap Fee Program (“CJWFP”). Investment Management Services The Firm is the sponsor of it’s CJWFP. The CJWFP is an advisory program in which the Firm receives a portion of the fees charged through the CJWFP which includes a single negotiable fee based on the overall Client’s needs and services for advisory services, investment management oversight, administrative and custodial services/fees, and includes the use of services by a third-party investment advisor (“TPIA”). If these services were rendered separately, Clients may be able to secure a lower or higher total cost, depending on where the collective and identical services are being rendered. Through the CJWFP, the Client is provided with portfolio management services using model and/or asset allocation portfolios. Each model portfolio is focuses on a particular investment goal. The IAR will assist the Client in understanding the nature of the CJWFP and determining its suitability, identifying the Client's investment objectives, establishing the Client's risk tolerance; all based on information provided by the Client concerning their financial situation, personal and financial goals, risk tolerance, investment time horizon and other similar factors. Once the Client's goals and objectives are established and an investment profile is created, the IAR may provide a copy of the Client's investment profile to the TPIA, also commonly known as a portfolio manager or investment manager, for implementation. The IAR may continue to monitor the Client's CJWFP account to evaluate if the investment style and portfolio model selected by the Client continues to match the Client's investment profile. The IAR must meet with the Client at least annually (either in person or via telephone) to evaluate the Client's ongoing participation and specifically determine whether there has been any change in the Client's financial circumstances. Any such changes by the Client will be communicated and facilitated by the IAR with the TPIA. It is important to note that models & allocations are always managed by the TPIA based on the discipline of each individual model or allocation. If the Client’s personal circumstances change, they should contact their IAR to consider a reallocation of their portfolio accordingly. The Client has the opportunity to place reasonable restrictions on the types of investments to be held in their account. The Client will retain individual ownership of all securities. Account supervision is guided by the Client's stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. The CJWFP Investment Advisory Agreement between the Firm and the Client may be modified upon such terms as may be mutually agreed upon in writing. This CJWFP Brochure is limited to describing the services, fees, and other necessary information a Client should consider prior to becoming a Client within the CJWFP. For a complete description of the other services and fees offered by our Firm, the Client should refer to our Form ADV Part 2: Firm Brochure. You may obtain a copy of our Firm Brochure by viewing it on our website at www.caitlinjohn.com or request a copy by mail to 1024 E Grand River Ave, Brighton, MI 48116. Additionally, you can call us at (810) 355-1325 or by email at info@cjadvisor and request a copy be sent to you. Fees The CJWFP fees pay for our firm's advisory services to Clients, brokerage/custodial fees as well as administrative expenses of the CJWFP. The Firm utilizes TD Ameritrade Institutional for purposes of trade execution and custodial management for Clients in the CJWFP. The broker/custodial and administrative costs are included in the CJWFP. The Firm and it’s IARs are compensated from the fees paid through the CJWFP. A portion of this compensation may be more or less than what the Firm and IAR would receive if the Client participated in other programs or paid separately for other advice or services. The compensation is based on the remainder of the fees paid after all included costs and expenses are paid for. TPIAs and Sub-Advisors within the CJWFP are compensated between 25-125 basis points (bp) for providing their asset management services. Although these amounts may be changed from time to time without notice to Clients, such changes will not impact the total Wrap Fee paid by Clients. Wrap fees deducted from the Client’s account with TD Ameritrade Institutional will be calculated by the Firm’s accounting department. For further details, please review each custodian’s disclosure documents when establishing an account. The CJWFP fees are charged quarterly in advance based on the ending account balance as of the last business day of the prior quarter month. The Wrapped Fee Program structure to be charged to the client(s) will range from 1.98% - 2.48% and will be discussed between the Client(s) and the IAR. Further details of this fee structure are located in the Investment Management Agreement which will be signed by the Client(s). The CJWFP fee will be calculated as follows: The total amount of assets per the Client’s account at end of calendar quarter x (multiply) by the annual percentage fee of assets charged to Client ÷ (divided) by 4 quarters = (equals) the quarterly amount deducted from Client’s account. If management begins after the start of a month, CJWFP fees will be prorated accordingly. When authorized by the Client, fees will

be debited from the account in accordance with the terms set forth in the Investment Management Advisory Agreement. Assets that are added or withdrawn interim quarter, either one time or systematically, will only be subject to a pro-rata fee billing debit or credit if the asset amount is equal to or greater than $10,001.00. Pro-rata fee adjustments will be made to the Clients account within 30 business days from the transaction date. Other Fees and Expenses There are certain fees assessed by the Custodian regardless of the fee structure types charged by the Firm. These fees may include the following: (i) $250.00 annual fee will incur per security when holding any Reg-D, Private Placement, and/or Alternative type securities. An example would be but not limited to a Public Non-Traded REIT, (ii) a charge of $24 per Mutual Fund for all incoming or transferred in-kind Mutual Fund’s that are needed/required to be liquidated for reallocation in an Unwrapped fee structure, (iii) If the Client(s) chooses to close their account with the Firm and transfer their account(s) to another custodian, the custodian will charge a transfer/closing fee of $125.00 to assist with the completion of the asset transfer process. Please, carefully review your contract with your current custodian to better understand these fees and other fees that they may charge for various services. The Firm or the IAR does not receive any compensation from these additional Fees. These fees will either be charged directly by the custodian or debited to the Firm, in which case the Firm will bill the client(s) separately for reimbursement. Additionally, $2.92 monthly technology fee will be charged by the Firm for all Unwrapped fees structures. This fee is billed by the Firm separately, quarterly in advance, via the custodian and are not refundable. Additional Information about CJWFP fees Under the CJWFP, the participant receives investment advisory services, the execution of securities brokerage transactions, custody, and reporting services for a single specified CJWFP Fee. Clients are cautioned that depending on the level of fees charged by the executing broker-dealer, and the amount of portfolio activity in the Clients' account, the value of the services provided under the CJWFP may exceed the total cost of such services had they been provided separately. In addition, the CJWFP Fee may be higher or lower than that charged by other sponsors of comparable Wrap Fee Programs. Additionally, a disparity in wrap fees may exist between the wrap fees charged to other Clients. General Information Refund and Termination of the Advisory Relationship: The Client has the right to terminate an agreement without penalty within 5 business days after entering into the agreement. All services offered by the Firm may be modified upon such terms as may be mutually agreed upon with the Client in writing. The Investment Management Agreement may be canceled at any time, by either party, for any reason upon receipt of 5 business days written notice. As disclosed above, certain fees are paid in advance of services provided. Upon termination of any account, any prepaid, unearned fees will be promptly refunded. Notice of termination for any service(s) by the Client can be sent to the Firm at 1024 E Grand River Ave, Brighton, MI 48116, emailed to [email protected], or by contacting the Client’s IAR. The Firm will not charge an account opening or set up fee but reserves the right to charge an account closing fee of $100 per account. The Custodian typically will also charge an account closing fee as well. Please review the Custodians website for the specific details. Once the Client’s account has been completely transferred out, it will be considered closed and the Firm will facilitate a pro-rata fee refund. The Firm will refund the pro-rata fees to the Client’s custodial account to be swept by the Custodian and sent to the Client’s new financial institution. The pro-rata refund amount owed to the Client will be calculated as follows: Fees paid to the Firm during the current calendar quarter ÷ (divided) by the number of days in the current quarter x (multiplied) by the number of days remaining until the end of current calendar quarter = (equals) the amount to be refunded less the account closing fee, if applicable. *NOTE: Notice of termination by Client(s) should be sent to the Firm at 1024 E Grand River Ave, Brighton, MI 48116 or email to [email protected]. The Client has the right to terminate an agreement without penalty within 5 business days after entering into the agreement. Exchange-Traded Funds: Shares of ETFs held in Client accounts are bought and sold on an exchange and not, like mutual funds, directly from the fund itself. The price of ETF shares fluctuates in accordance with changes in the net asset value (NAV) per share, as well as in response to market supply and demand. Accordingly, ETF shares may trade at a price which differs from NAV per share of the ETF. Grandfathering of Minimum Account Requirements: Pre-existing advisory Clients are subject to the Firm's minimum account requirements and advisory fees in effect at the time the Client entered into the advisory relationship. Therefore, our firm's minimum account requirements will differ among Clients. ERISA Accounts: The Firm is deemed to be a fiduciary to advisory Clients that are employee benefit plans or individual retirement accounts (IRAs) pursuant to the Employee Retirement Income and Securities Act (“ERISA”), and regulations under the Internal Revenue Code of 1986 (the "Code"), respectively. As such, our firm is subject to specific duties and obligations under ERISA and the Internal Revenue Code. To avoid engaging in prohibited transactions, the Firm may only charge fees for investment advice and management services. The Firm and/or our related persons do not receive any commissions or 12b-1 fees. Limited Prepayment of Fees: Under no circumstances do we require or solicit payment of fees in excess of $1200 more than six months in advance of services rendered.