Firm Description Campbell Financial Partners, LLC (Campbell Financial Partners) was founded in 2006 by Kathleen Campbell and is a fee-only firm offering financial planning and investment management services. The term "fee-only" means that all fees are paid directly by the client, never from commissions, referral fees, or any other incentive-type fees. The firm does not sell annuities, insurance, or any other commissioned products. Principal Owners Kathleen Campbell is 80% owner and James Moore is 20% owner of the firm. Types of Advisory Services Campbell Financial Partners offers both financial planning and investment management services. Campbell Financial Partners’ annual investment advisory fee shall 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 our sole discretion), Campbell Financial Partners 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. Campbell Financial Partners provides investment advisory services specific to the needs of each client. Before providing investment advisory services, an investment adviser representative will ascertain each client’s investment objectives. Thereafter, Campbell Financial Partners will recommend that the client allocate investment assets consistent with the designated investment objectives. Campbell Financial Partners primarily recommends that clients allocate investment assets among various mutual funds and/or exchange traded funds (“ETFs”) in accordance with the client’s designated investment objective(s). Once allocated, Campbell Financial Partners provides ongoing monitoring and review of account performance, asset allocation and client investment objectives. Financial Planning: In limited circumstances, Campbell Financial Partners provides financial planning and/or investment planning advice at a fixed price or an hourly rate to clients who need such advice without investment management. The hourly rate for such engagements is $300; the fixed price, if applicable, is determined based on the estimated time and complexity of the requested services. The minimum fee for any hourly or project-based engagement is $1,200, which minimum requirement may be waived or reduced at the discretion of Campbell Financial Partners. Please see Item 5 for more information. On more than an occasional basis, Campbell Financial Partners assists clients with matters not involving securities, such as cash flow, retirement savings, taxation issues, and general estate planning. Campbell Financial Partners does not offer, or provide, tax or legal advice outside the scope of financial planning. As of December 31, 2023, Campbell Financial Partners manages approximately $166,055,228 in discretionary assets. We do not offer non-discretionary investment management. Tailored Relationships The goals and objectives for each client are documented. Investment objectives are created that reflect the client's stated goals, objectives, and risk tolerance. Clients may impose restrictions on investing in certain securities or types of securities by indicating such in their investment objectives. Agreements may not be assigned without client consent. Types of Agreements The following describes the typical client relationships: Financial Planning: A financial plan is designed to help the client with their long-term financial planning. The financial plan may include, but is not limited to: a net worth statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; tax planning; a review of retirement accounts and plans including recommendations; one or more retirement scenarios; social security claiming recommendations, estate planning suggestions; and education planning with funding recommendations. The client is, at all times, free to accept or reject any financial planning recommendations provided by Campbell Financial Partners. Implementation of the recommendations in the financial plan is at the discretion of, and is the sole responsibility of, the client, unless otherwise agreed. Please Note: Planning Limitations. Campbell Financial Partners believes that it is important for the client to address financial planning issues on an ongoing basis. Campbell Financial Partners’ advisory fee, as set forth at Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with. It remains each client’s responsibility to promptly notify Campbell Financial Partners 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. Limitations of Financial Planning and Non-Investment Consulting/Implementation Services: As indicated above, to the extent requested by a client, Campbell Financial Partners will generally provide financial planning and related consulting services inclusive of its advisory fee as set forth at Item 5 below (exceptions may occur based upon assets under management, special projects, etc. for which Campbell Financial Partners may charge a separate fee). However, neither Campbell Financial Partners nor its investment adviser representatives assist clients with the implementation of any financial plan, unless they have agreed to do so in writing. Campbell Financial Partners does not monitor a client’s financial plan and it is the client’s responsibility to revisit the financial plan with Campbell Financial Partners, if desired. Furthermore, although Campbell Financial Partners may provide recommendations regarding noninvestment related matters, such as estate planning, tax planning and insurance, Campbell Financial Partners does not serve as an attorney or accountant and no portion of its services should be construed as legal or accounting services. Accordingly, Campbell Financial Partners does not prepare estate planning documents or tax returns. To the extent requested by a client, Campbell Financial Partners may recommend the services of other professionals for certain non-investment implementation purposes (i.e., attorneys, accountants, insurance, etc.), The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Campbell Financial Partners and/or its representatives. If the client engages any recommended unaffiliated professional and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional(s) (i.e., attorney, accountant, insurance agent, etc.), and not Campbell Financial Partners, shall be responsible for the quality and competency of the services provided. Custodian Charges - Additional Fees: As discussed below at Item 12, when requested to recommend a broker-dealer/custodian for client accounts, Campbell Financial Partners generally recommends that Shareholders Service Group and Pershing, LLC, a subsidiary of The Bank of New York Mellon, (collectively “SSG”) serve as the broker-dealer/custodian for client investment management assets. Broker-dealers such as SSG charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian (while certain custodians do not currently charge fees on individual equity transactions, others do). When beneficial to the client, individual fixed‐income and/or equity transactions may be effected through broker‐dealers with whom Campbell Financial Partners and/or the client have entered into arrangements for prime brokerage clearing services, including effecting certain client transactions through other SEC registered and FINRA member broker‐dealers (in which event, the client generally will incur both the transaction fee charged by the executing broker‐dealer and a “trade-away” fee charged by SSG). These fees/charges are in addition to Campbell Financial Partners’ investment advisory fee at Item 5 below. Campbell Financial Partners does not receive any portion of these fees/charges. Use of Mutual and Exchange Traded Funds: Most mutual funds and exchange traded funds are available directly to the public. Therefore, a prospective client can obtain many of the funds that may be utilized by Campbell Financial Partners independent of engaging Campbell Financial Partners as an investment advisor. However, if a prospective client determines to do so, he/she will not receive Campbell Financial Partner’s initial and ongoing investment advisory services. In addition to Campbell Financial Partner’s investment advisory fee described below, and transaction and/or custodial fees discussed below, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). The mutual funds and exchange traded funds utilized by Campbell Financial Partners are generally available directly to the public. Thus, a client can generally obtain the funds recommended and/or utilized by Campbell Financial Partners independent of engaging Campbell Financial Partners as an investment advisor. However, if a prospective client does so, then they will not receive Campbell Financial Partners' initial and ongoing investment advisory services. Please Note-Use of DFA Mutual Funds: Campbell Financial Partner utilizes the mutual funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers approved by DFA. Thus, if the client was to terminate Campbell Financial Partners’ services, and transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds, will generally apply. Cybersecurity Risk: The information technology systems and networks that Campbell Financial Partners and its third-party

service providers use to provide services to Campbell Financial Partners’ clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Campbell Financial Partners’ operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Campbell Financial Partners are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although Campbell Financial Partners has established its systems to reduce the risk of cybersecurity incidents from coming to fruition, there is no guarantee that these efforts will always be successful, especially considering that Campbell Financial Partners does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Portfolio Activity: Campbell Financial Partners has a fiduciary duty to provide services consistent with the client’s best interest. Campbell Financial Partners 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 Campbell Financial Partners 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 Campbell Financial Partners will be profitable or equal any specific performance level(s). Cash Positions: Campbell Financial Partners continues to treat cash as an asset class. As such, unless determined to the contrary by Campbell Financial Partners, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Client’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Campbell Financial Partners may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Client’s advisory fee could exceed the interest paid by the client’s money market fund. Cash Sweep Accounts: Account custodians generally require that cash proceeds from account transactions or cash deposits be swept into and/or initially maintained in the custodian’s sweep account. The yield on the sweep account is generally lower than those available in money market accounts. To help mitigate this issue, Campbell Financial Partners shall generally purchase a higher yielding money market fund available on the custodian’s platform with cash proceeds or deposits, unless Campbell Financial Partners reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to, the amount of dispersion between the sweep account and a money market fund, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. Retirement Rollovers: Potential for Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Campbell Financial Partners recommends that a client roll over their retirement plan assets into an account to be managed by Campbell Financial Partners, such a recommendation creates a conflict of interest if Campbell Financial Partners will earn new (or increase its current) compensation as a result of the rollover. If Campbell Financial Partners provides a recommendation as to whether a client should engage in a rollover or not, Campbell Financial Partners is acting as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. No client is under any obligation to roll over retirement plan assets to an account managed by Campbell Financial Partners. Client Obligations: In performing its services, Campbell Financial Partners 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, each client is advised that it remains their responsibility to promptly notify Campbell Financial Partners if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Campbell Financial Partners’ previous recommendations and/or services. Disclosure Brochure: A copy of Campbell Financial Partner’s written Brochure and Client Relationship Summary, as set forth in Part 2 of Form ADV and Form CRS respectively, shall be provided to each client prior to the execution of any advisory agreement managed by Campbell Financial Partners. Campbell Financial Partners does not participate in a wrap fee program. Investment Management Most clients choose to have Campbell Financial Partners manage their assets to obtain ongoing in-depth advice and professional asset management. All known aspects of the client’s financial affairs are reviewed. Realistic and measurable goals are set and objectives to reach those goals are identified. Campbell Financial Partners primarily recommends and utilizes no load or low-cost mutual funds and exchange- traded funds. The client retains the responsibility to keep Campbell Financial Partners informed of any material changes to Client's objectives, needs, and goals as they pertain to investment management. Unless the client has identified in the Investment Objectives to the contrary, there are no restrictions imposed upon the firm with respect to the management of the client's accounts. Hourly or Fixed Fee Engagements In limited circumstances, Campbell Financial Partners may provide hourly or fixed fee consulting services for clients who need advice on a limited scope of work. The hourly rate for limited scope engagements is currently $300.00, billed in 15-minute increments. Whether hourly or fixed, there is a minimum fee of $1,200, which minimum requirement may be waived or reduced at the discretion of Campbell Financial Partners. Please see Item 5 for more information. Asset Management Assets are invested primarily in no-load, low expense mutual funds and exchange-traded funds. Stocks and bonds may be purchased or sold through a brokerage account when appropriate. Campbell Financial Partners does not receive any compensation, in any form, from fund companies or brokerage firms. Existing investments in client accounts (prior to engaging Campbell Financial Partners) may include, but are not limited to: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual fund shares), investment trusts, and U.S. government securities. Initial public offerings (IPOs) and non-traded REITS are not available through Campbell Financial Partners. Client Retirement Plan Assets: If requested to do so, Campbell Financial Partners shall provide investment advisory services relative to 401(k) plan assets maintained by the client in conjunction with the retirement plan established by the client’s employer. In such event, Campbell Financial Partners shall allocate (or recommend that the client allocate) the retirement account assets among the investment options available on the 401(k) platform. Campbell Financial Partners’ ability shall be limited to the allocation of the assets among the investment alternatives available through the plan. Campbell Financial Partners will not receive any communications from the plan sponsor or custodian, and it shall remain the client’s exclusive obligation to notify Campbell Financial Partners of any changes in investment alternatives, restrictions, etc. pertaining to the retirement account. Unless expressly indicated by Campbell Financial Partners to the contrary, in writing, the client’s 401(k) plan assets shall be included as assets under management for purposes of Campbell Financial Partners calculating its advisory fee. Termination of Agreements A Client may terminate any of the aforementioned services at any time by notifying Campbell Financial Partners in writing and paying the rate for the time spent on client's matters prior to termination. The client or Campbell Financial Partners may terminate the agreement at any time by written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the work completed or for a portion of the quarter completed (for investment management clients). The portfolio value at the completion of the prior full billing quarter is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. If the client made an advance payment, Campbell Financial Partners will promptly refund any unearned portion of the advance payment.