A.DescriptionoftheAdvisoryFirm Insight Folios, Inc. dba Insight Folios (hereinafter “INS”) is a Corporation organized in the State of Michigan. The firm was formed in December 2014, and the principal owner is Paul L. Durso. B.TypesofAdvisoryServices Portfolio Management Services INS offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. INS creates an Investment Policy Statement and/or Simplicitree Plan for each client, 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 INS evaluates the current investments of each client with respect to their risk tolerance levels, income needs, and time horizon. INS will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Return and income needs are documented in the Investment Policy Statement and/or Simplicitree Plan, which is given to each client. INS seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of INS’s economic, investment or other financial interests. To meet its fiduciary obligations, INS attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, INS’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 INS’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. Annual Planning Client circumstances are subject to change at any time with any frequency so advice cannot be viewed from the perspective of a static financial plan. The flexibility of the Simplicitree software greatly assists in guiding clients through “what if” scenarios as clients consider their future. INS’ comprehensive view of planning with clients includes:
• Budgeting, personal liability, estate information and goals
• Tax minimization and income strategies
• Special planning requirements like travel expenses, long term care provision, the impact of rental property, etc.
• Investment analysis with respect to income generation potential, liquidity, and risk
• Insurance sufficiency – Long term care, life, health, etc.
• Effective Social Security benefit decisions
• Team of advisers approach – it is important for a client’s financial adviser, tax preparer and estate planning attorney to all understand and support the comprehensive plan for the client Sub-Advisory Services INS will act in the capacity of sub-adviser to other registered investment adviser firms. Financial Planning INS provides financial planning services. Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, all questions, information, and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service develop and receive a personalized Simplicitree Report which provides the client with a detailed financial plan designed to assist the client achieve his or her financial goals and objectives. In general, the financial plan can address any or all of the following areas: PERSONAL: We review family records, budgeting, personal liability, estate information and financial goals. TAX & CASH FLOW: We analyze the client’s income tax and spending and planning for past, current, and future years; then illustrate the impact of various investments on the client's current income tax and future tax liability. INVESTMENTS: We analyze investment alternatives and their effect on the client's portfolio. INSURANCE: We review existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile. RETIREMENT: We analyze current strategies and investment plans to help the client achieve his or her retirement goals. DEATH & DISABILITY: We review the client’s cash needs at death, income needs of surviving dependents, estate planning and disability income. ESTATE: We assist the client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, review estate tax, powers of attorney,

asset protection plans, nursing homes, Medicaid, and elder law. When client requires services and expertise that is outside the realm in which we practice, we help the client engage professional specialists in these areas and work as a team for the client's benefit. We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, returns objectives and attitudes towards risk. We, or the outside professionals involved, carefully review documents supplied by the client, and where appropriate, we then enter their information into the Simplicitree Software and deliver a report to the client. Should the client choose to implement the recommendations contained in the plan, we suggest the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client's discretion. We also discuss general non-securities topics that may include tax and budgetary planning, estate planning and business planning. INS does not provide tax or legal advice. Typically, the financial plan is presented to the client within six months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided. Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. ERISA Plan Advisory Service INS offers advisory services to ERISA Plans. These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Selection of Other Advisers INS may direct clients to third party money managers. INS will be compensated via a fee share from the advisors to which it directs those clients. The fees shared will not exceed any limit imposed by any regulatory agency. Before selecting other advisors for clients, INS will always ensure those other advisors are properly licensed or registered as an investment advisor. Services Limited to Specific Types of Investments INS generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds, commodities, and private placements. INS may use other securities as well to help diversify a portfolio when applicable. Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. C.ClientTailoredServicesandClientImposedRestrictions INS offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client Investment Policy Statement and/or Simplicitree Plan which outlines each 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 INS from properly servicing the client account, or if the restrictions would require INS to deviate from its standard suite of services, INS reserves the right to end the relationship. D.WrapFeePrograms A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. INS does not participate in any wrap fee programs. E.AssetsUnderManagement INS has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 257,740,047 $ 1,031,460 December 2022