Description of Our Advisory Firm Compass Financial Services, Inc. (“Compass”) was organized in 1999. The owners of Compass are Steve Conard, Caleb Pearson, Guy Leman, Julie Greer, and Justin Van Houten with Steve Conard and Justin Van Houten as principal owners. We provide investment advice to individuals, retirement plans, trusts, estates, charitable organizations, corporations and other business entities through our wrap program. We also provide advice to clients on financial planning, retirement planning, estate planning, tax planning which may include mortgages, automobiles, 529 plans, and other similar financial matters. Advice may be provided on matters that include, but are not limited to, life insurance, property and casualty insurance, and long-term care insurance. Compass is a fiduciary and is required to act in a client’s best interest at all times. Wrap Fee Program Our wrap fee program allows clients to pay a single fee for investment advisory services and associated custodial transaction costs. Because our firm absorbs client transaction fees under a wrap arrangement, an incentive exists to limit trading activities in client accounts. Custodial transaction costs are not included in the advisory fee charged by our firm for non-wrap services and are to be paid by the client to their chosen custodian. Depending on the client’s account or portfolio trading activity, clients may pay more for using our wrap fee services than they would for using our non-wrap services. This conflict of interest is mitigated by our fiduciary responsibility to always act in our client’s best interest, and as such we do not manage wrap accounts in any manner different from non-wrap accounts. Clients can engage our wrap fee program to manage all or a portion of their assets on a discretionary basis. Clients can establish accounts at LPL Financial (“LPL”) for the custody of assets, with our assistance. We typically provide investment advice on mutual fund shares, insurance products (including variable annuities and life insurance) and ETFs (exchange-traded funds). We may also provide investment advice on exchange-listed securities, securities traded over-the-counter, certificates of deposit, securities option contracts, REITs (real estate investment trusts), and any type of investment held in a client’s portfolio at the inception of the advisory relationship. This may not be an all-inclusive list. We may also render non-discretionary investment advisory services to clients relative to their individual employer-sponsored retirement plans, and/or 529 plans or other products that may not be held by the client’s primary custodian. In so doing, we either direct or recommend the allocation of client assets among the various investment options that are available with the product. Client assets are maintained at the specific insurance company or custodian designated by the product. Investment Management We use a time-tested, disciplined approach to investing. We are a “total portfolio” manager using an active, diversified investment approach. We believe that a portfolio should be diversified using asset classes that cross correlate. Typically, we tailor our portfolios to the individual needs of our clients by evaluating the client’s investment guidelines and objectives which we use to guide us in making investment decisions for each client. If you desire, you may impose restrictions on the securities or types of securities you would like us to invest in. As of December 31, 2023, we manage $288,212,009 in client assets on a discretionary basis for total assets under management. Fees and Compensation Investment Management Fee We provide investment management services for an annual fee based upon a percentage of the market value of the assets being managed. Our investment management fee does include transaction executions costs, custodial fees, or other costs. On an annualized basis, our current fees for investment management services will not exceed 1.75% of the assets under management. Our annual fee is prorated and charged quarterly, in advance, based upon the market value of the assets being managed by us on the last day of the previous quarter. The annual fee is negotiable and we may charge additional fixed fees for planning/projects in certain circumstances. Fees for Management during Partial Quarters of Service For the initial period of investment management services, the fees are calculated on a pro rata basis. The Agreement will continue in effect until terminated by either party pursuant to the terms of the Agreement. Our fees are prorated through the date of termination and any remaining balance is charged or refunded to the client, as appropriate.

If assets are deposited into or withdrawn from an account after the inception of a quarter, the fee payable with respect to such assets will be adjusted or prorated based on the number of days remaining in the quarter. Although the Adviser believes its management fee is competitive, clients may be able to find similar services at higher or lower costs. Clients should also be aware of the fact that different clients are charged different negotiated fees, thus some clients pay more or less than others for similar services. Also, there can be no assurance that transactions effected through us result in the lowest per transaction cost possible to a client. Prospective clients should be aware that in addition to the advisory fees, each mutual fund in which a client's assets are invested also pays its own advisory fees and other internal expenses which already have been deducted from the fund's reported performance. Depending on the fund, a client may be able to invest directly in the shares issued by the fund with or without incurring any sales or third-party management fees. Account maintenance fees are also deducted by the Custodian. In addition, there are tax effects pertaining to fund share redemptions, and other sales, made by the Adviser on behalf of clients. Redemptions and sales are taxable events which may accelerate the recognition of capital gains, and losses, and frequent redemptions and sales may result in short-term, rather than long-term, capital gains and losses. Fees payable to the Adviser for Investment Management Services are, with the client’s prior permission, automatically deducted from the client's account when due. The Adviser will liquidate money market shares to pay the fee and, if money market shares or cash value are not available, other investments will be liquidated. Authorization for the deduction of fees from the managed account is contained in the Agreement. The client may terminate the authorization for automatic deduction at any time by notifying the Adviser in writing. If we make a trade error that results in a loss to a client, we will make the client whole. If we make a trade error that results in a gain to a client, LPL, and not us, keeps the gain. In that case, LPL will keep the gain to defray the processing costs associated with errors. Other Compensation Commissions or Sales Charges for Recommendations of Securities Clients can engage certain persons associated with the firm (but not the firm itself) to render securities brokerage services under a commission arrangement. Clients are under no obligation to engage such persons and may choose brokers or agents not affiliated with this firm. Under this arrangement, clients may implement securities transactions through certain of our Investment Adviser Representatives in their respective individual capacities as registered representatives of LPL, an SEC registered broker- dealer and member of FINRA. LPL may charge brokerage commissions to effect these securities transactions and thereafter, a portion of these commissions may be paid by LPL to such representatives. Prior to effecting any transactions clients are required to enter into a new account agreement with LPL. The brokerage commissions charged by LPL may be higher or lower than those charged by other broker- dealers. We do not charge an advisory fee on the same assets for which our Investment Adviser Representatives receive commissions. First and foremost, our objective as a firm is to place nothing before the best interests of our clients. However, a conflict of interest exists to the extent that advisory representatives can recommend the purchase of securities where they receive commissions or other additional compensation as a result. The receipt of commissions provides an incentive for advisory representatives to recommend investment products based on compensation they will receive from selling such products, rather than on the client’s needs. We do not allow advisors to earn a commission on products that are included within our advisory accounts. We take the following steps to mitigate the possibility that the advisory representatives will recommend an investment product based on commission rather than on the client’s needs: we address the inherent conflicts as noted in the paragraph above, by disclosing them to you in this Brochure and disclosure is made to the client at the time a brokerage account is opened through LPL, identifying the nature of the transaction or relationship, the role to be played by LPL and the advisory representative, individually, and any compensation (e.g. commissions) to be paid by the client.