Berger Financial Group, Inc. (“Berger Financial” or “Adviser” or “Firm”) established in 1996, provides financial and retirement planning, wealth management, income tax planning, and succession planning investment solutions to individuals, high net worth individuals and families, trusts, estates, businesses, and retirement plans. Berger Financial Group, Inc. is principally owned by the Berger Financial Group Employee Stock Ownership Plan Trust in addition to certain employees having minority ownership in the Adviser. Berger Financials’ advisers and their branch offices may use other names that are held out to the public. Such names are known as “doing business as” or “dba” names. Although the Firm permits such use, advisory services are offered through Berger Financial. Therefore, these “dbas” provide portfolio management and financial and retirement planning services substantially similar to those services offered by Berger Financial and described herein. As a registered investment adviser subject to Section 206 of the Advisers Act, Berger Financial acts as a Fiduciary related to the conduct of its investment advisory services. As such Berger Financial has an obligation to act in the best interest of its Clients guided by the core fiduciary duties of loyalty and care. Wealth Management Berger Financial provides discretionary wealth management services to a broad range of Clients. Wealth management services primarily include investing Client assets in proprietary investment strategies advised by the Adviser. Berger Financial determines the investment objectives and risk tolerance for each wealth management Client during the account opening process and reassesses periodically thereafter. Once the Client’s risk tolerance, time horizon and investment objective are established, Berger Financial will recommend a proprietary investment strategy/ies or individually design a portfolio of investments which include one or a combination of stocks, bonds, mutual funds, ETFs, options, allocation models, and other securities and/or contracts relating to the same, including investing assets in short-term money-market instruments. We encourage Clients to inform us in the event of any significant life changes, such as setting a retirement date, having a child, etc., so that we can perform an assessment to determine the proper investment strategy from that point forward. Typically, we review accounts internally and no less than annually with our Clients, which should be sufficient given our long-term strategic approach to money management. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to the acceptance by the Adviser. Berger Financial’s investment strategies are primarily long-term focused, but the Adviser may buy, sell, or re-allocate positions that have been held less than one year to meet the objectives of a particular strategy or due to market conditions. Financial Planning Berger Financial offers comprehensive financial planning services to Clients which include time horizon, net worth, cash flow analysis, college cost and savings estimates, estate tax strategies, wealth distribution and plan implementation services. Financial planning services are provided through the wealth management agreement or through a separate agreement. Implementation of the recommendations of the financial plan are typically executed at the discretion of the Client. Retirement and Estate Planning Retirement planning analyses includes hypothetical wealth accumulation that compares lifetime income needs to portfolio resources, together with an assessment of the probability of achieving the desired financial outcome based on those resources. Estate planning analyses may include an assessment of estate tax estimates, survivor income projections, long-term care coverage and estate planning strategies for consideration. A financial plan may include product analysis, such as an analysis of equity, fixed income, mutual funds, and other financial products. Retirement Plan Consulting Berger Financial provides retirement plan consulting based on a negotiated scope of services, such as consulting with retirement plan administrators, other fiduciaries to retirement plans, plan participants and other parties. Berger Financial will not actually manage plan assets. Depending on the negotiated scope of services, Berger Financial may participate in enrollment meetings, provide supplemental educational materials to the plan or plan participants, conduct education and provide investment materials for participant-directed plans, search and evaluate investment alternatives for the plan, review past performance of the plan’s current investment options, provide one-time, ongoing or periodic performance monitoring reports

for the plan’s current investment options. Services provided to plan participants may be provided at a group level, or to individual plan participants. Unless otherwise specified in the agreement between Berger Financial and the plan, any education and investment materials provided are intended to constitute “education” and not individualized “investment advice.” Income Tax Planning Certain associated persons of the Adviser are Certified Public Accountants (“CPAs”) and provide a full range of income tax preparation and planning for individuals, businesses, trusts and estates for the Adviser’s financial planning Clients. Income tax planning involves using strategies to minimize your taxable income including, but not limited to, postponing income, shifting income, deduction planning, investment tax planning, and utilizing year-end tax planning. Our CPAs also assist Clients in preparing their federal and state income tax returns. This service is separate and distinct from the Adviser’s investment management and financial planning services. Rollover to IRA Investors considering rolling over assets from a qualified employer-sponsored retirement plan (“Employer Plan”) to an Individual Retirement Account (“IRA”) should review and consider the advantages and disadvantages of an IRA rollover from their Employer Plan. A plan participant leaving an employer typically has four options (and may engage in a combination of these options): 1) Leave the money in the former employer’s plan, if permitted; 2) Rollover the assets to a new employer’s plan (if available and rollovers are permitted); 3) Rollover Employer Plan assets to an IRA; or 4) Cash out the Employer Plan assets and pay the required taxes on the distribution. At a minimum, Investors should consider fees and expenses, investment options, services, penalty-free withdrawals, protection from creditors and legal judgments, required minimum distributions, and employer stock. Berger Financial encourages you to discuss your options and review the above listed considerations with an accountant, third-party administrator, investment adviser to your Employer Plan (if available), or legal counsel, to the extent you consider necessary. By recommending that you rollover your Employer Plan assets to an IRA, Berger Financial and your financial adviser earn fees as a result. In contrast, leaving assets in your Employer Plan or rolling the assets to a plan sponsored by your new employer likely results in little or no compensation to Berger Financial. Berger Financial has an economic incentive to encourage investors to rollover Employer Plan assets into an IRA managed by Berger Financial. Investors face increased fees when they move retirement assets from an Employer Plan to a Rollover IRA account. Even if there are no costs associated with the IRA rollover itself, there will be costs associated with account administration, investment management, or both. In addition to the fees charged by Berger Financial, the underlying investment (mutual fund, ETF, annuity, or other investment) charges a management fee and expenses. Custodial and trading fees also apply. Investing in an IRA with Berger Financial will typically be more expensive than an Employer Plan. Additional resources about IRA Rollovers are available to investors through FINRA’s web site at www.finra.org. IRA Rollover Recommendations For purposes of complying with the DOL’s Prohibited Transaction Exemption 2020-02 (“PTE 2020- 02”) where applicable, we are providing the following acknowledgment to you. 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. Regulatory Assets Under Management As of December 31, 2023, discretionary regulatory assets under management were approximately $1,661,051,044.