Ross Michael Pollard solely owns Breakwater Capital LLC and also provides services under Integrated Financial Planning and is an investment advisor that specializes in financial planning, which we define as the long-term process of wisely managing your finances so you can achieve your goals and dreams, while at the same time navigating the financial barriers that inevitably arise in every stage of life. Advisor provides financial planning and investment management services. Prior to engaging the firm to provide any of the services, the client is required to enter into one or more written agreements with Breakwater setting forth the terms and conditions under which Breakwater renders its services (collectively the “Agreement”). Breakwater began its operations in 2014, and is solely owned by Ross Pollard. Financial Planning Service Advisor may provide its clients with a broad range of comprehensive financial planning services. These services include business planning, investments, insurance, retirement, education, estate planning, and tax and cash flow needs of the client. Financial Planning starts with goal setting, and depending on your goals, the following areas may be addressed: Goal Setting – Goal Setting begins with the Personal Discovery, a one to two hour meeting in which we learn about the goals that will be central to your financial plan. We then collect all the financial data needed to analyze how much you should earn, spend and save to reach your goals. Retirement Planning – A lifetime cash flow projection is created to analyze when and under what circumstances your retirement can be achieved and maintained. Estate Planning – In conjunction with your estate planning attorney, we will help analyze and suggest the most appropriate estate planning techniques and tools. This analysis incorporates the income needs of dependents, philanthropic goals, business transition and trust management. Insurance – We advise you on the proper

amount and type of insurance for your needs. This advice can cover life, disability, property, automobile, long-term care and umbrella liability insurance. Breakwater does not sell insurance, nor do we receive commissions for referrals to insurance brokers. Philanthropic Giving – Advisor provides advice regarding tax-appropriate vehicles to accomplish your philanthropic objectives. Other Planning Services – Advisor provides advice regarding funding college accounts, real estate issues, and business transition planning. In performing its services, Advisor 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 authorized to rely on such information. The client is under no obligation to act upon any of the recommendations of Advisor. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of Advisor’s advice. Clients are advised that it remains their responsibility to promptly notify Breakwater if there is ever any change in their financial situation or investment objectives. Investment Management Services Clients can engage Breakwater to manage all or a portion of their assets on a discretionary basis. As of 03/11/2024 Breakwater managed approximately $128,294,481 all on a discretionary basis. Breakwater primarily allocates clients’ assets among mutual funds, exchange traded funds (“ETFs”) and options. Breakwater may also render advice to clients relative to variable life/annuity products they own, individual employer sponsored retirement plans, and/or 529 plans or other products that may not be held by the client’s primary custodian. Breakwater tailors its advisory services to the individual needs of clients. Breakwater consults with clients initially and on an ongoing basis to determine risk tolerance, time horizon and other factors that may impact the clients’ investment needs.