Description of Advisory Firm WH Cornerstone Investments Inc. provides financial planning, consulting, and investment management services to its advisory clients. The Firm is owned by its Principals, William M. Harris, and Paula S. Harris, and has been conducting business as an investment adviser since 1998. WH Cornerstone Investments Inc. seeks to provide clients with a plan of action that gets them excited about the future, always with an eye toward the overall vision and individual needs of the client. The Firm works with clients on a regular basis to define their goals, track their progress and fine-tune their approach to achieving those goals. The Firm’s unique perspective and clarity of purpose allows it to produce an objective, concrete plan based on a thorough analysis of a client’s overall circumstances. WH Cornerstone Investments Inc. begins any relationship by gaining a holistic understanding of a client’s entire state of affairs. With this information, the Firm aims to develop a comprehensive plan that will be stable enough to stay true to a client’s specific goals, yet flexible enough to revisit and revise as needs evolve and conditions change. Prior to engaging WH Cornerstone Investments Inc. to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with the Firm, setting forth the terms and conditions of the advisory relationship (collectively the “Agreement”). WH Cornerstone Investments Inc. has approximately $160,036,005 of assets under management as of December 31, 2023. $159,842,708 of these assets is managed on a discretionary basis, and $193,297 is managed on a non-discretionary basis. While this brochure generally describes the business of WH Cornerstone Investments Inc., certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of WH Cornerstone Investments Inc.’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), or employees, or any other person who provides investment advice on the Firm’s behalf and is subject to its supervision or control. Types of Advisory Services Financial Planning and Consulting Services WH Cornerstone Investments Inc. may provide its clients with a broad range of comprehensive financial planning and consulting services. Each engagement is designed to address the specific needs of the individual client and may include any or all of the following functions:
• Investment Planning • Business Planning • Risk Management
• Retirement Planning • Estate Planning • Tax Planning
• Asset Allocation • Insurance Planning • Lifestyle Analysis Financial planning and consulting services are offered as either a stand-alone service or as part of a comprehensive wealth management service (as described below). In performing its services, WH Cornerstone Investments Inc. is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. WH Cornerstone Investments Inc. may recommend the services of itself, and/or other professionals to implement its recommendations. A potential conflict of interest exists if WH Cornerstone Investments Inc. recommends its own services, such as insurance or investment management. The client is under no obligation to act upon any of the recommendations made by WH Cornerstone Investments Inc. under a financial planning or consulting engagement or to engage the services of any such recommended professional, including

WH Cornerstone Investments Inc. itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of the Firm’s recommendations. Clients are advised that it remains their responsibility to promptly notify WH Cornerstone Investments Inc. if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising WH Cornerstone Investments Inc.’s previous recommendations and/or services. Investment Management and Wealth Management Services Clients can engage WH Cornerstone Investments Inc. to manage all or a portion of their assets on a discretionary or non- discretionary basis. In addition, the Firm may provide clients with wealth management services which could include a broad range of financial planning and consulting services as well as discretionary and/or non- discretionary management of investment portfolios. WH Cornerstone Investments Inc. primarily allocates clients’ investment management assets among mutual funds, exchange-traded funds (“ETFs”) and individual debt and equity securities. WH Cornerstone Investments Inc. may allocate or make recommendations regarding the securities components of variable annuities and variable life insurance contracts in accordance with the investment objectives of the client. When appropriate, WH Cornerstone Investments Inc. will also research and offer advice pertaining to other types of investments held in client portfolios. The Firm is sometimes called upon to render investment management services to clients relative to their variable life/annuity product holdings, individual employer-sponsored retirement plans, education savings accounts (“529 plans”), and/or other savings and investment vehicles. Such assets are often held in accounts not located at the client’s primary custodian. In these instances, WH Cornerstone Investments Inc. will either direct or recommend the allocation of said assets among the specific investment options made available through the respective plan, product, or offering. WH Cornerstone Investments Inc. seeks to tailor its advisory services to the individual client, endeavoring to properly match asset allocation decisions with each client’s respective investment objectives and risk tolerance. While certain common positions may be held across many of the Firm’s client portfolios, each client's specific circumstances (appropriate asset allocation, tax status, suitability, etc.) are taken into consideration during the investment planning process. The Firm evaluates these factors while remaining mindful of the client’s other less tangible concerns or issues. Accordingly, clients are urged to promptly notify WH Cornerstone Investments Inc. regarding changes in their financial situations or investment objectives, and to alter or impose additional restrictions upon the Firm’s management services. The Firm does not provide securities brokerage services or serve as the sponsor or manager to a wrap fee program (i.e., an investment program where advisory and brokerage services are bundled together under a single fee). Educational Seminars We may provide educational seminars on an “as announced” basis for groups seeking general advice on investments and other areas of personal finance. The content of these seminars will vary depending upon the needs of the attendees. These seminars are purely educational in nature and do not involve the sale of any investment products. Information presented will not be based on any one individual person’s needs, nor does WH Cornerstone Investments Inc. provide individualized investment advice to attendees during these seminars.