A. Description of the Advisory Firm B. Types of Advisory Services making recommendations for changes o recommending other service providers, such as custodians, administrators and broker-dealers o creating a written pension consulting plan Services Limited to Specific Types of Investments D&A generally limits its investment advice and/or money management to mutual funds, equities, bonds, fixed income, debt securities, ETFs, real estate, hedge funds, REITs, insurance products including annuities, private placements, and government securities. D&A may use other securities as well to help diversify a portfolio when applicable. Financial Planning D&A starts with an extensive review of a client's financial situation which includes assets and liabilities as well as estate, tax, and insurance needs. The Firm then employs a risk tolerance and risk capacity-focused simulation to get a detailed cash flow analysis and proposed asset allocation. Financial planning services are typically bundled alongside our discretionary investment management services, but they can also be offered independently. Financial plans and financial planning include, but are not limited to:
• investment planning;
• life insurance and annuities;
• tax concerns;
• retirement planning;
• college planning; and
• debt/credit planning. D&A may recommend clients engage the firm for additional related services as part of the financial plan, or we may recommend other professionals to implement recommendations made by D&A. Such additional services by D&A or another professional will be provided for additional compensation, commensurate with the nature, extent, complexity, and other characteristics of such services. Clients are advised that a conflict of interest, or the perception of one, may exist because the firm may have additional incentive to recommend such additional services based on the compensation to be received, rather than solely based on the client's needs, and in some cases, based on the prospect of cross- referrals of advisory clients from the other professional or his or her firm. Clients are under no obligation to act upon any recommendations made by D&A under a financial planning engagement or to engage the services of a third-party professional. Clients retain the absolute right to decide whether or not to act on such recommendations, and if they choose to act on such recommendations, whether to engage the Firm or such professional for such services or to engage another investment adviser or professional of their choosing, which may charge less (or more) for such services. Should a client choose to implement the recommendations contained in the plan, D&A suggests the client work closely with his/her attorney, accountant and/or insurance agent. Flourish Cash We may recommend clients use Flourish Cash, a service offered by Stone Ridge Securities LLC, a registered broker-dealer and FINRA member. Stone Ridge Securities LLC is not a bank. Flourish Cash is an online high-yield savings account that allows clients to receive generally higher interest rates on their cash. D&A and Flourish do not have any fee arrangement nor benefit to recommending Flourish as a service. If we recommend Flourish as a service, it’s due to it’s highly competitive interest rates, FDIC protection, user-friendly digital presence, and other factors. D&A does not receive any research or other soft-dollar benefit by nature from its relationship

with Flourish Cash, nor does D&A receive any referrals in exchange for recommending or using Flourish Cash Implementation of financial plan recommendations is entirely at the client's discretion. Financial planning recommendations are of a generic nature and are not limited to any specific product or service offered by a broker dealer or insurance company. No Legal, Accounting or Tax Advice. D&A will act solely in its capacity as a registered investment advisor and does not provide any legal, accounting or tax advice. Client should seek the counsel of a qualified accountant and/or attorney when necessary. D&A may assist clients with tax harvesting, and we will work with a client’s tax specialist to answer any questions related to the client’s portfolio account. D&A offers the same suite of services to all of its clients. However, specific client financial plans and their implementation are dependent upon the client fact finder and risk tolerance, which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. 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 D&A from properly servicing the client account, or if the restrictions would require D&A to deviate from its standard suite of services, D&A reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. D&A DOES NOT participate in any wrap fee programs. D. Wrap Fee Programs C. Client Tailored Services and Client Imposed Restrictions E. Amounts Under Management D&A has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $313,071,682 $0 December 31, Investment Supervisory Services Fees Total Assets Under Management Annual Fee $0 - $499,999 1.50% $500,000 – $999,999 1.25% $1,000,000 - $2,999,999 1.00% $3,000,000 – $4,999,999 0.80% $5,000,000 – and above 0.65% These fees are negotiable depending upon the needs of the client and complexity of the situation. The final fee schedule will be attached as Exhibit II of the Investment Advisory Contract. Fees are paid monthly in advance, and clients may terminate their contracts with five days’ written notice. Refunds are given on a prorated basis, based on the number of days remaining in a month at the point of termination. Fees that are collected in advance will be refunded based on the prorated amount of work completed up to the day of termination within the month terminated. The fee refunded will be the balance of the fees collected in advance minus the daily rate* times the number of days in the month up to and including the day of termination. (*The daily rate is calculated by dividing the monthly AUM fee by the number of days in the termination month. Clients may terminate their contracts without penalty, for full refund, within 5 business days of signing the advisory contract. Advisory fees are withdrawn directly from the client’s accounts with client written authorization. D&A may specifically direct clients to Plan Confidence utilizing Pontera's software (formerly FeeX). The annual fee schedule is as follows: Total Assets Total Fee $0 - $499,999 1.50%