OWNERSHIP/ADVISORY HISTORY API Financial Advisors, LLC aba Quility Financial Advisors (“We”) was founded in July 2019 by Matthew Myland and Paul Stanley. We are a Delaware Limited Liability Company registered with the Securities and Exchange Commissions since July 2019. Mr. Stanley and Mr. Myland are our firm’s Managing Members with Mr. Stanley being our Chief Compliance Officer. We were established as an affiliated investment adviser of Solomon API LLC, which is also owned and controlled by Mr. Myland and Mr. Stanley. ADVISORY SERVICES OFFERED FINANCIAL PLANNING SERVICES Our financial planning services involve a review of your financial situation, goals, and risk tolerance. Through a series of personal interviews and the use of risk tolerance questionnaires we will collect pertinent dates and identify goals, objectives, financial problems, and potential solutions. With this information, we tailor your financial plan and the advice we give to you. Our advice may cover any of the following topics: net worth statement, cash flow analysis, tax analysis, insurance and long-term care analysis, tax planning strategies, retirement planning, 401k review, financial goal setting, risk management, college savings, and other needs identified during our meetings with you. You will receive a written financial plan following our meetings. PORTFOLIO MANAGEMENT Our portfolio management services are offered on a discretionary basis and are custom-tailored to meet your individualized needs and investment objectives. We work with you to understand your investment objectives, time frame, risk tolerance, and other considerations. Once we have this information, we create an individualized portfolio based on a combination of model portfolios or investment strategies created by Solomon API LLC, our subadvisor (“Solomon”). Solomon will maintain models or investment

strategies that we have agreed upon with Solomon. Solomon executes all trades on our behalf in your accounts, but we will be responsible for the overall direct relationship with you. We also offer additional portfolios, managed through Luminist Capital. We have full discretion to hire and fire Solomon or Luminist Capital. PARTICIPANT ACCOUNT MANAGEMENT We use a third-party platform to facilitate the management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of client funds because we do not have direct access to client log-in credentials when we affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the client allowing him or her to connect an account(s) to the platform. Once the client account(s) is connected to the platform, we will review the current account allocations. When deemed necessary, we will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that Quility Financial Advisors Page 4 ADV Part 2A – 3/22/2023 harm account performance. Client account(s) will be reviewed at least annually, and allocation changes will be made as deemed necessary. TAILORED SERVICES We document your goals and objectives before any investing takes place. You may impose restrictions on investing in certain securities or types of securities. WRAP PROGRAM We do not participate in a Wrap Fee Program. CLIENT ASSETS MANAGED As of February 28, 2024, we manage approximately $44,500,000 in client assets on a discretionary basis.