Our professional mission is to help individuals, couples and families develop holistic, comprehensive financial plans and asset management strategies. As Certified Financial Planner™ CFP®, professionals, we honor our fiduciary responsibility and are ethically bound to act in clients’ best interests. As independent financial advisors, we have no proprietary products to sell nor any corporate agenda to fulfill. Heritage Financial Counselors is a limited liability company formed under the laws of the State of New Jersey in 2016, and is wholly owned by Charles P. Weidman, CFP®, Managing Partner. Types of Advisory Services Offered GENERAL: Heritage Financial Counselors provides a variety of financial planning, investment management and consultation services. Financial Planning: Our integrated financial planning approach is designed to educate clients and to create a strategic collaboration regarding retirement planning, tax planning, multigenerational estate planning, insurance planning, and investment management, all within the context of their life plan/situation. Heritage Financial Counselors’ five-step financial planning process includes (1) discovering client financial goals and priorities, (2) analyzing client financial situation, (3) developing the financial plan, (4) implementing financial strategies, and (5) monitoring financial progress. Clients are provided summary reports (net worth, cash flow, retirement projections), detailed analysis where appropriate, and a secure login to access their financial planning information online. Financial plans generally include recommendations for a course of activity/action(s) to be taken by the client and by Heritage Financial Counselors, as appropriate. The Financial Planning & Consulting Agreement describes services, roles and responsibilities, including the fee arrangement. Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. To the extent requested and engaged by the client to do so, Heritage Financial Counselors will generally provide financial planning and related consulting services regarding matters such as tax and estate planning, insurance, etc. per the terms and conditions of a separate agreement and a separate fee as discussed at Item 5 below, the fee for which shall generally be based upon the individual providing the service and the scope of the services to be provided. Prior to engaging Heritage Financial Counselors to provide planning or consulting services, clients are generally required to enter into a Financial Planning and Consulting Agreement with Heritage Financial Counselors setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to Heritage Financial Counselors commencing services. Clients recognize that the value and usefulness of Heritage Financial Counselors’ services will be dependent upon the information the client provides and the client’s active participation in the formulation and implementation of Planning objectives. We believe that it is important for the client ADV Part 2A – Firm Brochure Page 5 Heritage Financial Counselors, LLC to address financial planning issues on an ongoing basis. It remains each client’s responsibility to promptly notify Heritage Financial Counselors if there is ever any change in his/her/its financial situation or objectives. Investment Management: Investment management is the process of aligning the goals in a client’s financial plan/situation with targeted investment strategies. Our objective is to help clients clarify the purposes for their wealth, both near term and longer term. We then develop investment management strategies to help clients achieve their aims. We base our portfolio recommendations on client goals, time horizon and risk profile. Investment portfolios are primarily comprised of Exchange Traded Funds (ETFs) and no- load, low cost, asset-class mutual funds. Once a client’s asset allocation strategy is established, we utilize the operational, administrative, and information reporting services provided by Buckingham Strategic Partners. Heritage Financial Counselors provides non-discretionary investment advisory services on a fee basis as discussed at Item 5 below. The Wealth Advisory Agreement describes roles and responsibilities, as well as the fee arrangement. For individual retail (i.e., non-institutional) clients, Heritage Financial

Counselors’ annual investment advisory fee shall generally (exceptions can occur-see below) include investment advisory services, and, to the extent specifically requested by the client, financial planning and consulting services. In the event that the client requires extraordinary planning and/or consultation services (to be determined in the sole discretion of Heritage Financial Counselors), Heritage Financial Counselors may determine to charge for such additional services, the dollar amount of which shall be set forth in a separate written notice to the client. Please Note: Non-Discretionary Service Limitations. Clients that determine to engage Heritage Financial Counselors on a non-discretionary investment advisory basis must be willing to accept that Heritage Financial Counselors cannot effect certain account transactions without express consent to such transaction(s) from the client. Thus, in the event that Heritage Financial Counselors would like to make a transaction for a client’s account, and client is unavailable, Heritage Financial Counselors may be unable to effect the account transaction (as it would for its discretionary clients) without first obtaining the client’s consent. Portfolio Activity. Heritage Financial Counselors has a fiduciary duty to provide services consistent with the client’s best interest. Heritage Financial Counselors will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Heritage Financial Counselors determines that changes to a client’s portfolio are unnecessary. Clients remain subject to the fees described in Item 5 below during periods of portfolio inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by the Heritage Financial Counselors will be profitable or equal any specific performance level(s). Please Note: Socially Responsible (ESG) Investing Limitations. Socially Responsible Investing involves the incorporation of Environmental, Social and Governance (“ESG”) considerations into the investment due diligence process. We do not have or recommend an ESG strategy. ADV Part 2A – Firm Brochure Page 6 Heritage Financial Counselors, LLC Client Obligations. In performing our services, Heritage Financial Counselors shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Moreover, it remains each client’s responsibility to promptly notify Heritage Financial Counselors if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Heritage Financial Counselors) will be profitable or equal any specific performance level(s). Disclosure Brochure. A copy of Heritage Financial Counselors’ written Brochure as set forth on Part 2A of Form ADV and Form CRS (Client Relationship Summary) shall be provided to each client prior to, or contemporaneously with, the execution of an agreement between the client and Heritage Financial Counselors. Tailoring of Advisory Services Our firm offers individualized investment advice to our Asset Management clients. We also tailor financial consulting engagements to meet specific situations, including estate settlements, business succession planning, or charitable giving strategies. Each Asset Management client has the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Restrictions on investments in certain securities or types of securities may not be possible due to the level of difficulty this would entail in managing the account. Participation in Wrap Fee Programs Our firm does not offer or sponsor a wrap fee program. Regulatory Assets Under Management As of December 31, 2023, our firm manages $179,205,556 on a non-discretionary basis.