DESCRIPTION OF THE FIRM OLIO Financial Planning, LLC is a Virginia-domiciled limited liability company formed in November of 2015. We operate under the trade names OLIO Financial Planning and OLIO. Our firm is not a subsidiary of, nor does it control, another financial services industry entity. Our firm’s original registration as an investment advisor in the Commonwealth of Virginia occurred in 2016, followed by our registration with the SEC in 2017. When required, our firm and its associates notice file in other jurisdictions in which investment advisory business is conducted. Andrew J. Miller, CFP® is the firm’s Founder and Chief Executive Officer.1 He also serves as Chief Compliance Officer (supervisor), Managing Member, and maintains controlling interest in the firm. Additional information about Andrew J. Miller and his background is located in his brochure supplement. DESCRIPTION OF ADVISORY SERVICES OFFERED During or prior to your first meeting with the firm, you will be provided with this Form ADV Part 2A firm brochure that includes a statement involving our privacy policy, as well as a brochure supplement about the representative(s) who will be assisting you. We will also ensure that any material conflicts of interest have been disclosed to you that could be reasonably expected to impair the rendering of unbiased and objective advice. Should you wish to engage our firm for its services, you must first execute a client engagement. Thereafter discussion and analysis will be conducted to determine your financial needs, goals, holdings, etc. Depending on the scope of the engagement, you will be asked to provide copies of the following applicable documents early in the process: + Wills, codicils and trusts + Insurance policies + Mortgage information + Student loans + Tax returns + Divorce decree or separation agreement + Current financial specifics including W-2s or 1099s + Information on current retirement plans and benefits provided by your employer + Statements reflecting current investments in retirement and non-retirement accounts + Employment or other business agreements you may have in place + Completed risk profile questionnaires or other forms provided by our firm It is important that we are provided with an adequate level of information and supporting documentation throughout the term of the engagement including, but not limited to, source of funds, income levels, and an account holder or attorney-in-fact’s authority to act on behalf of the account, among other information that may be necessary for our services. The information and/or financial statements provided to us need to be accurate. Our firm may, but is not obligated to, verify the information that you have provided to us which will then be used in the advisory process. It is essential that you inform our firm of significant issues that may call for an update to your plan. Events such as changes in employment or marital status, an unplanned windfall, etc., can have an impact on your circumstances and plans. Our firm needs to be aware of such events so that adjustments can be made as necessary. 1 Refer to the brochure supplement(s) for an explanation of designation prerequisites and continuing education requirements. FINANCIAL PLANNING SERVICES Our firm’s financial planning services provide clients with advice on key topics as shown below. Financial planning services may be as broad-based or narrowly focused as you desire. The incorporation of most or all of the listed components allows not only a thorough analysis but also a refined focus of your plans so that the firm is able to assist you in reaching your goals and objectives. + Cash Management: Review of your income and expenses is conducted to determine your current surplus or deficit. + Risk Management: Review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture. + Employee Benefits: Review is conducted, and an analysis is made as to whether you, as an employee, are taking maximum advantage of your employee benefits. + Personal Retirement Planning: Typically includes projections of your likelihood of achieving your financial goals, with financial independence usually the primary objective. + Education Planning: Advice involving college funding could include projecting the amount that will be needed to achieve post-secondary education funding goals, along with savings strategies and the “pros-and-cons” of various college savings vehicles that are available. + Estate Planning: Our review typically includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. Our firm utilizes the services of a third-party digital estate planning service for clients who have the need for estate planning review, creation, or updates. + Tax Planning: Advice could include ways to minimize current and future income taxes as a part of your overall financial planning picture. + Divorce Planning: We will work with you to help you gain an understanding of your unique situation and provide you with a realistic financial picture so that you are in a better situation to communicate with legal counsel, a mediator or soon to be ex-spouse. BROAD-BASED V. MODULAR

FINANCIAL PLANNING A broad-based plan is an endeavor that requires detail. Certain variables can affect the cost involved in the development of the plan, such as the quality of your own records, complexity and number of current investments, diversity of insurance products and employee benefits you currently hold, size of the potential estate, and any special needs you or your dependents may have, among others. While certain broad-based plans may require 10 or more hours to complete, complex plans may require more than 20 hours. At your request, we may concentrate on reviewing only a specific area (modular planning), such as an employer retirement plan allocation, funding an education or estate planning issues, or evaluating the sufficiency of your current retirement plan. Note that when these services focus only on certain areas of your interest or need, your overall situation or needs may not be fully addressed due to limitations you may have established. Whether we have created a broad-based or modular plan, we will present you with a summary of our recommendations, guide you in the implementation of some or all of them per your decision, as well as offer you periodic reviews thereafter. In all instances involving our financial planning engagements, our clients retain full discretion over all implementation decisions and are free to accept or reject any recommendation we make. INVESTMENT CONSULTATION Investment consultation services often involve providing information on the types of investment vehicles available, employee retirement plans and/or stock options, investment analysis and strategies, asset selection and portfolio design, as well as limited assistance if your investment account is maintained at another broker/dealer or custodian. The strategies and types of investments that may be recommended are further discussed in Item 8 of this brochure. BUSINESS CONSULTATION We are available to assist businesses in a variety of ways to include strategy, practice management, general financial advice, debt management, as well as assisting you with matters involving coordination with your financial institution, attorney or accounting firm. PORTFOLIO MANAGEMENT SERVICES Ongoing and continuous supervision of clients’ portfolios are provided through our portfolio management services offering. You may engage our firm to implement the investment strategies that we have recommended to you. We typically prepare investment guidelines reflecting your objectives, time horizon, tolerance for risk, as well as any reasonable account constraints you may have for the portfolio. For example, you have the right to exclude certain securities (e.g., options, “sin stocks,” etc.) at your discretion. Portfolio guidelines will be designed to be specific enough to provide future guidance while allowing flexibility to work with changing market conditions. We will then develop a customized portfolio for you based on your unique situation, investment goals and tolerance for risk. We will involve the employment of a broad range or more narrowly focused choice of investment vehicles that are discussed in further detail in Item 8 of this brochure. We manage portfolios on a discretionary or nondiscretionary basis (defined in Item 16). Please note that it will remain your responsibility to promptly notify us if there is any change in your financial situation and/or investment objectives for the purpose of our reviewing, evaluating or revising previous account restrictions or firm investment recommendations. RETIREMENT PLAN SERVICES We provide investment advice to 401(k) plans in accordance with the Employee Retirement Income Security Act of 1974 (ERISA). Our retirement plan services include plan implementation services and fund selection. We monitor and analyze the plan’s investment lineup and meet with plan participants and provide education. We make recommendations on adjustments to the plan’s investment lineup, but the final decision as to whether to implement these recommendations remains with the plan sponsor; therefore, we provide these services as an ERISA § 3(21) fiduciary. Portfolio management may be accomplished by plan participants on a self-directed basis. Recordkeeping and plan administration services are provided by an unaffiliated third-party administrator of the plan’s choosing. Accounts may be maintained at our recommended custodian (see Item 12) or at the custodian of the plan sponsor’s preference. We assess an hourly or quarterly fee as described in Item 5. EDUCATIONAL WORKSHOPS We provide educational workshops involving a broad range of financial planning and investing topics such as issues related to general financial planning, educational funding, estate planning, retirement strategies, implications involving changes in marital status and various other current economic or investment topics. Our workshops are educational in nature and do not involve the sale of insurance or investment products. WRAP FEE PROGRAMS Our firm does not sponsor or serve as a portfolio manager in an investment program involving wrapped (bundled) fees. CLIENT ASSETS UNDER MANAGEMENT As of December 31, 2023, our firm had over $ 412 million of reportable client assets under its management, including over $392 million on a discretionary basis and over $20 million on a nondiscretionary basis.2