Firm Description Family CFO operated as a sole proprietorship from September 2003 until incorporation in 2006. Services We provide personalized confidential financial planning and investment management to individuals, pension and profit sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with you and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. We are strictly a fee-only financial planning and investment management firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. We accept discretionary authority to manage securities accounts on behalf of clients. We have the authority to determine, without obtaining your specific consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. We do not act as a custodian of client assets. You always maintain asset control. We place trades for you under a limited power of attorney. A written evaluation of your initial situation is provided to you, often in the form of a net worth statement. Quarterly reviews are conducted for investment portfolio and communicated to you. Planning issues other than investment portfolio are conducted on an as needed basis. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by you on an as-needed basis. Conflicts of interest will be disclosed to you in the unlikely event they should occur. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to you. Our Principal Owner Rajendran Revocable Family Trust is the sole shareholder. Annamalai & Santhi Rajendran are the trustees. Types of Advisory Services We provide investment supervisory services, also known as asset management services; manage investment advisory accounts not involving investment supervisory services and furnish investment advice through consultations. Manage portfolio of assets:
• Emphasize asset allocation and diversification. This is key to long run success.
• Assess client’s risk profile periodically and adjust the portfolio accordingly.
• Allocation between bonds and equities are established or changed with client’s concurrence; however sub allocations within equity and within bonds are made without prior consultation with you.
• Once established, portfolio changes, in general will be minor. We do not recommend “market timing”
• All the monies will be in client’s names.
• Invest mostly via low cost mutual funds or ETFs
• In general, do not recommend individual stocks.
• Based on client’s availability, will hold face-to-face meetings quarterly and review performance. Perform tax planning and risk planning as required Co-ordinate estate planning with estate planning attorney. Emphasize low cost, tax efficiency, diversification and staying the course On more than an occasional basis, we furnish advice to you on matters not involving securities, such as financial planning matters, taxation issues, and trust services that often include estate planning.

Financial Planning Depending on your needs and interests, we may provide advice in the form of a Financial Plan. The Financial Plan will assess the likelihood of you achieving various goals and objectives dependent on various personal and financial assumptions, including portfolio design, lifestyle, work and retirement plans, pursuit of charitable and/or family goals and normal savings and consumption behavior. Depending on your needs, the Plan may also address elements of tax and estate planning and insurance, including life, disability, health and long term care insurance. Assets under Management As of December 31, 2022, we managed approximately $165,448,034 in assets for approximately 50 clients on a discretionary basis Tailored Relationships The goals and objectives for you are documented as a result of our discussions. Our Agreement with you may not be assigned without your consent. Types of Agreements The following agreements define the typical client relationships. Asset Management Agreement Assets are invested primarily in no-load and exchange-traded funds, usually through discount brokers or fund companies. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Discount brokerages charge a transaction fee for the purchase and sale of funds. Stocks and bonds may be purchased or sold through a brokerage account when appropriate. The brokerage firm charges a fee for stock and bond trades. We do not receive any compensation, in any form, from fund companies. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), and U. S. government securities. Termination of Advisory Service Agreement The contract may be terminated by either party upon (30) thirty days prior written notice to the other party. Financial Planning Agreement Occasionally, we engage in a planning-only agreement. A financial plan is designed to help you with all aspects of financial planning. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice and specific recommendations are provided as part of a financial plan. Implementation of the recommendations is at your discretion. Hourly Planning Engagements Occasionally, we provide hourly planning services for clients who need advice on a limited scope of work. The hourly rate for limited scope engagements is $500. Termination of Financial Planning Agreement You may terminate any of the aforementioned agreement at any time by notifying us in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. If you made an advance payment, we will refund any unearned portion of the advance payment. We may terminate any of the aforementioned agreements at any time by notifying you in writing. If you made an advance payment, we will refund any unearned portion of the advance payment.