A. Description of the Advisory Firm CMC Financial Group, LLC (hereinafter “CMCFG”) is a Registered Investment Adviser based in Atlanta, Georgia, and incorporated under the laws of the State of Georgia. CMCFG is owned by Mark Barry McCarthy and Philip Oraien Catledge. CMCFG is registered with the Securities and Exchange Commission and is subject to its rules and regulations. Incorporated in December 2008, CMCFG previously provided investment advisory and brokerage services as a DBA through another firm, however in March 2018 CMCFG became an independently registered investment adviser with the Securities and Exchange Commission. B. Types of Advisory Services Portfolio Management Services CMCFG offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. Each client completes a form which outlines the client’s current situation (income, tax levels, and risk tolerance levels). Portfolio management services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring CMCFG evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. CMCFG will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in a software generated risk assessment, which is provided to each client. CMCFG seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of CMCFG’s economic, investment or other financial interests. To meet its fiduciary obligations, CMCFG attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, CMCFG’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is CMCFG’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. CMCFG may recommend clients to third-party investment advisers to manage all or a portion of the client's assets. Before recommending other advisers to clients, CMCFG will ensure those other advisers are properly licensed or registered as an investment adviser. CMCFG conducts due diligence on any third-party investment adviser, which may involve one or more of the following: phone calls, meetings and review of the third- party adviser's performance and investment strategy. CMCFG will review the ongoing performance of the third-party

adviser as a portion of the client's portfolio. Financial Planning Financial plans and financial planning may include but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Retirement Plan Services CMCFG provides retirement plan consulting services to employer sponsored retirement plans. The services may include general advising to the Investment Manager / Sponsor of the Plan on investment options, as well as participant education. Services Limited to Specific Types of Investments CMCFG generally does not limit its investment advice, but most often provides investment advice related to mutual funds, fixed income securities, insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds, non-U.S. securities, although CMCFG primarily recommends ETFs. CMCFG may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions CMCFG offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent CMCFG from properly servicing the client account, or if the restrictions would require CMCFG to deviate from its standard suite of services, CMCFG reserves the right to end the relationship. D. Wrap Fee Program CMCFG may recommend a Wrap Fee Program for the client’s account(s). A “Wrap Fee Program” for purposes of the SEC is a program under which investment advisory and brokerage execution services are provided for a single “wrapped” fee that is not based on the transactions in a client account. CMCFG provides discretionary and non- discretionary investment advisory services to its clients through a Wrap Fee Program. Wrap Fee Program accounts recommended by CMCFG are not managed differently from non-Wrap Fee Program accounts. Because brokerage execution costs are included in the client’s overall advisory fee, the client’s fee may be greater than those that have accounts in non-Wrap Fee Program accounts, however fees will not exceed the fee schedule stated in CMCFG’s Wrap Fee Brochure. All clients with Wrap Fee Program accounts will be provided with CMCFG’s Wrap Fee Brochure. This Brochure is focused on non-Wrap Fee Program accounts. E. Assets Under Management CMCFG has the following assets under management, calculated on December 31, 2023: Discretionary: $147,907,688 Non-discretionary: $48,430,174 Form ADV, Part 2A, Item 5