A. Compass Financial Management LLC (“Compass”) was formed on January 13, 2011, in the State of Delaware and became an SEC-registered investment advisory (RIA) firm on April 13, 2011. Compass transitioned to state registration in July 2012. As of March 6, 2020, Compass transitioned from state to federal registration. Compass is owned and managed by: Matthew Markowski Partner Date of Birth: August 26, 1976 Practice: 20 Years Professional Experience Education: Bachelors in Math & Economics from Hamilton College and MBA from Seton Hall University in Finance Licenses: Series 63, and CFP® Business: July 2018 – Partner Compass Michael Markowski Partner Date of Birth: March 17, 1973 Practice: 20 Years Professional Experience Education: Bachelors in Business from Hardwick College Licenses: Series 63, and Series 65 Business: July 2018 – Partner Compass Christopher Markowski Partner Date of Birth: June 26, 1971 Practice: 20 Years Professional Experience Education: Bachelors in Political Science from Syracuse University Licenses: Series 65 Business: July 2018 – Partner Compass Joshua Markowski is actively involved in portfolio construction and back-office support. He is responsible for execution of trades, money movements, client and advisor support among other things B. As d i s c u s s e d below, Compass offers to its clients (individuals, high net worth individuals, banking or thrift institutions, pension and profit sharing plans, trusts, estates, etc.): discretionary investment advisory services and retirement plan consulting services on a fee basis. INVESTMENT ADVISORY SERVICES The client can engage Compass to provide discretionary investment advisory services on a fee basis. Compass’ annual investment advisory fee is generally based upon a percentage (%) of the market value of the assets placed under Compass’ management. Compass’ annual investment advisory fee shall include investment advisory services, and, to the extent specifically requested by the client and agreed by Compass, consulting services. Prior to engaging Compass to provide investment advisory services, clients are required to enter into an Investment Management Agreement with Compass setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client. Compass provides investment advisory services specific to the needs of each client. Before providing investment advisory services, an investment advisor representative will ascertain each client’s investment objective(s), financial situation and time frame. Thereafter, Compass will allocate investment assets consistent with the designated investment objective(s), financial situation, and time frame. Compass primarily allocates client investment assets among various individual equity (stocks), debt (bonds) and fixed income securities, mutual funds and/or exchange traded funds (“ETFs”) on a discretionary basis. Once allocated, Compass provides ongoing monitoring and review of account performance, asset allocation and client investment objectives. RETIREMENT PLAN CONSULTING SERVICES Compass also provides non-discretionary pension consulting services, pursuant to which it assists sponsors of self-directed retirement plans with the selection and/or monitoring of investment alternatives (generally open-end mutual funds) from which plan participants shall choose in self-directing the investments for their individual plan retirement accounts. In addition, to the extent requested by the plan sponsor, Compass shall also provide participant education designed to assist participants in identifying the appropriate investment strategy for their retirement

plan accounts. The terms and conditions of the engagement shall generally be set forth in a 401(k) Consulting Agreement between Compass and the plan sponsor. Compass’ annual investment consulting fee for 401(k) Plans shall be prorated and paid quarterly, in arrears, based upon the market value of the plan assets on the last day of the previous quarter, as valued by the broker-dealer or custodian of the assets. There may be an exception to the methodology used by the custodian. MISCELLANEOUS Non-Investment Consulting/Implementation Services. To the extent requested by the client, C om p a ss m ay pr ov i d e co n su l t i ng servi ces r eg ar di ng non-investment r e l a t ed matters, such as estate planning, tax planning, insurance, etc. Neither Compass, nor any of its representatives, serves as an attorney, accountant, or licensed insurance agent, and no portion of Compass’ services should be construed as same. To the extent requested by a client, Compass may recommend the services of other professionals for certain non- investment implementation purposes (i.e. attorneys, accountants, insurance, etc.). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Compass. Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Please Also Note: It remains the client’s sole responsibility to promptly notify Compass if there is ever any change in his/her/its financial situation, investment objectives or time frame for the purpose of reviewing/evaluating/revising Compass’ previous and/or current recommendations and/or services. Trade Error Policy. Compass shall reimburse accounts for losses resulting from Compass’ trade errors but shall not credit accounts for such errors if resulting in market gains. The gains and losses are reconciled within Compass’ custodian firm account and Compass retains the net gains and losses. Client Obligations. In performing its services, Compass shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Moreover, each client is advised that it remains his/her/its sole responsibility to promptly notify Compass if there is ever any change in his/her/its financial situation, investment objectives or time frame for the purpose of reviewing/evaluating/revising Compass’ previous and/or recommendations and/or services. Disclosure Statement. A copy of Compass’ written Brochure as set forth on Part 2A of Form ADV shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Management Agreement. C. Compass shall provide investment advisory services specific to the needs of each client. Before providing investment advisory services, an investment advisor representative will ascertain each client’s investment objective(s), financial situation, or time frame. Thereafter, Compass shall allocate and/or recommend that the client allocate investment assets consistent with the designated investment objective(s), financial situation, or time frame. The client may, at any time, impose reasonable restrictions, in writing, on Compass’ services. Additional financial consulting services shall be provided to the client at no extra charge. D. Compass does not offer or participate in a wrap fee program. E. As of December 31, 2023, Compass has the following assets under management: Discretionary: $409,358,131