Advisory Firm Kachkovsky & Fisher, Inc. (“K&F”) is a corporation founded in 2001 by Garry Kachkovsky, CFP® and Kristian R. Fisher, CFP® under the laws of Arizona. Garry and Kristian are the sole equal owner partners and investment advisor representatives at K&F. K&F provides investment management and financial planning and consulting services for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. As a fiduciary, it is our duty to always act in the client’s best interest. This is accomplished in part by knowing the client. Our firm has established a service- oriented advisory practice with open lines of communication. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. Advisory Services Investment Management K&F provides investment management services that include the development of an investment strategy that is unique to each client, presentation and implementation of investment recommendations, and ongoing supervision and management of client investment assets. Investment Advisor Representatives (“IARs”) of K&F monitor accounts to identify situations that may warrant actions be taken on behalf of a client’s portfolio. Other services include periodic rebalancing, semi-annual and annual reviews with clients, quarterly newsletter and periodic market commentary communications. Reviews include, but are not limited to, suitability, performance, asset allocation, change in investment objectives and risk tolerance. IARs review client portfolios, and communicate with clients at least annually, for conformity with respect to portfolios, investment objectives, change in the client’s financial situation and account performance. K&F does not provide tax or legal services. Financial Planning and Consulting In addition to investment management services, K&F provides financial planning and consulting services to clients. Financial planning services are typically offered to investment management clients at no additional charge. K&F may also from time to time offer stand-alone planning services charged at an hourly rate. Financial planning and consulting services will involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass one or more of the following areas:  Cash Flow & Debt Management – This involves advice with respect to cash accounts, financial obligations, and cash management.  Risk Management & Insurance Planning – This includes risk management associated with advisory recommendations based on the combination of insurance types that best meet a client’s specific needs, e.g. life, health, disability, and long- term care, and others as appropriate.  Investment Planning – This involves advice with respect to asset selection and allocation, as well as investment income accumulation techniques. Evaluations are made of existing and, when applicable, potential investments in terms of their economic and tax characteristics as well as their suitability for meeting client’s objectives. Tax consequences and their implications are identified and evaluated in general terms.  Retirement Planning – This involves advice with respect to alternatives and techniques for accumulating wealth for retirement income or advice relative to appropriate distributions of assets following retirement. Tax implications and consequences are identified and evaluated in general terms.  Education Planning – This includes alternatives and strategies with respect to the complete or partial funding of college or other post-secondary education experience. Tax consequences and their implications are identified and evaluated in general terms.  Estate Planning – This service involves advice with respect to property ownership, distribution strategies, estate tax reduction, and tax payment techniques. It involves a discussion of gifts, trusts, etc. and the disposition of business interests. Tax consequences and their implications are identified and evaluated. At the request of the Client, our firm will engage the client’s chosen personal estate attorney or planner, with regard to advising the wealth management of the estate planning.  Tax Planning – Tax planning is referred to the client’s chosen personal tax advisor. Our firm may offer advice as to how tax laws may affect various financial decisions, e.g. acquisitions, pension strategy, investing in new opportunities or consolidation of existing investments, and individual taxation issues, among others.  Business Succession Planning – This includes alternatives and strategies with respect to continuity or disposition of the business upon the business owners’ retirement, death, disability, or decision to sell. Tax implications and consequences are identified and evaluated.  Consolidation of Finances – As a result of performing some or all of the services listed in points 1 through 8 above, our firm may be able to recommend strategies or methods for consolidating the client’s financial situation in order for the client to manage their financial situation more easily and to obtain efficiency, cost savings, and diversification. For clients seeking financial advice involving analysis of a particular investment, investment portfolio, or overall financial situation, K&F through its IARs, provides financial planning and consulting services designed to meet the client’s specific financial needs and objectives. These consulting services include review of aspects of an individual’s current financial situation, with emphasis on income tax planning, estate tax planning, insurance planning, education planning, retirement planning and capital needs planning. To the extent other services are needed, the IAR will assist the individual in those areas in which he is competent. IARs may also help the client coordinate the implementation of any recommendations made, including referral to

other practicing professionals such as an attorney, accountant or insurance agent whose services may be required. In preparing a financial plan for a client, the IAR gathers information deemed relevant to the particular service provided through personal interviews with the client and through documents and/or client profile questionnaires completed by the client. Each service includes an analysis of the client’s financial information, which may, but is not necessarily required to include items such as: their current assets, income, investments, liabilities, short and long-term capital and liquidity needs, risk tolerance and short and long- term financial goals and objectives. Should a client choose to implement the recommendations contained in the financial plan, IARs generally make recommendations with respect to products and services offered by K&F. However, the decision to implement any recommendation rests exclusively with the client, and the client has the right to decide where to implement any such recommendations. In addition to providing individual financial planning and investment advisory consulting services to individuals and corporations, IARs may also provide advice and consultation to Retirement Plan Sponsors and Pension Plans. Typical services rendered include, but are not necessarily limited to: development of an Investment Policy Statement, fund and investment selection, participant education, fund performance monitoring and guidance on ERISA fiduciary obligations. Financial Planning and consulting fees are negotiable between the client and IAR. Fees charged for these services will be dependent upon the anticipated time to provide the services and complexity of the plan and or client’s financial situation. The fees are determined in advance and disclosed to the client at the time the Investment Advisory Consulting Agreement is executed. Retirement Plan Consulting: Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising may include:  Establishing an Investment Policy Statement – Our firm will assist in the development of a statement that summarizes the investment goals and objectives along with the broad strategies to be employed to meet the objectives.  Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investment options and make recommendations for appropriate changes.  Asset Allocation and Portfolio Construction – Our firm will develop strategic asset allocation models to aid Participants in developing strategies to meet their investment objectives, time horizon, financial situation and tolerance for risk.  Investment Monitoring – Our firm will monitor the performance of the investments and notify the client in the event of over/underperformance and in times of market volatility.  Participant Education – Our firm will provide opportunities to educate plan participants about their retirement plan offerings, different investment options, and general guidance on allocation strategies. In providing services for retirement plan consulting, our firm does not provide any advisory services with respect to the following types of assets: employer securities, real estate (excluding real estate funds and publicly traded REITS), participant loans, non-publicly traded securities or assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). All retirement plan consulting services shall be in compliance with the applicable state laws regulating retirement consulting services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to provide services to such accounts, our firm acknowledges its fiduciary standard within the meaning of Section 3(21) or 3(38) of ERISA as designated by the Retirement Plan Consulting Agreement with respect to the provision of services described therein. Customized Portfolios K&F tailors individual client portfolios in the following ways:  We review a client’s personal risk tolerance and time horizon, and then allocate investments among stocks, bonds and cash in order to optimize the trade-off between risk and return for that particular client.  We review a client’s liquidity needs to make sure they have sufficient cash on hand to fund either regular or unexpected portfolio withdrawals.  We gather information about each client’s tax situation to make sure that we are achieving the best possible investment returns on an after-tax basis.  We make accommodations for investments that a client may hold that are outside of our normal set of recommendations. We also make accommodations for those clients who wish to engage in Socially Responsible Investing by researching and using SRI-strategy mutual funds.  We allow each client to place reasonable restrictions on the types of investments to be held in their 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. Wrap Fee Programs Our firm offers and sponsors a wrap fee program. Investment Management services are only offered through wrapped accounts, which are managed on an individualized basis according to the client’s investment objectives, financial goals, risk tolerance, etc. Please see our Part 2A, Appendix 1 (the “Wrap Fee Program Brochure”) for more information. Discretionary Management As of December 31st, 2023, K&F manages $180,797,337 on a discretionary basis and $30,697,336 on a non-discretionary basis. Our total assets under management are $211,494,673.