D.M. Brenner, Inc. (“DMB, Inc.”, “We”, “Our”, “the Firm”) is registered with the SEC, with its principal place of business located in Solana Beach, California. DMB, Inc. is organized as a Corporation under the laws of the State of California. As described below, DMB, Inc. offers customized financial planning services to its clients, investment advisory services and qualified plan services to qualified plan sponsors. DMB, Inc. furnishes investment advice on a wide variety of matters (including matters not involving securities), based upon each client’s specific investment objectives, risk tolerance, investment time horizon, tax considerations and other information provided by the client. The firm is wholly owned by David M. Brenner, CLU®, ChFC ®. David M. Brenner started his career in the financial services industry in 1985 and began conducting business as a Registered Investment Advisor (“RIA”) in 1996. TYPES OF ADVISORY SERVICES OFFERED FINANCIAL PLANNING This service is designed to assist Clients in meeting their financial goals using a variety of financial planning tools and software along with personal consultations. We evaluate a client’s current financial situation and resources, goals, attitudes about money, risk tolerances and life values. Using currently known values and assumptions about future variables, we model cash flows, taxes, and net worth in a variety of scenarios. Clients engaging us for this service receive a written report which provides the client with a detailed financial plan designed to educate the client about their options and guide them in achieving their goals. Clients may engage us for a One-time Financial Plan or for On-going Financial Planning services. Clients may also retain us to address a specific area of planning. The terms of the engagement will be detailed in the executed Agreement. Financial plans can address any or all of the following areas:
• PERSONAL and FAMILY CIRCURMSTANCES: We review lifestyle goals, family relationships, and life values.
• CASH FLOW: We analyze the actual income and spending for recent and current years and estimates for future years. We illustrate how various cash flow strategies impact future after- tax income and net worth.
• INVESTMENTS: We evaluate investment portfolios using Modern Portfolio Theory to compare their risk/return ratio to the client’s personal risk tolerance and expectations for returns. We emphasize after-tax return for taxable accounts.
• RETIREMENT INCOME: We evaluate all sources of income including pensions, Social Security, and investments to determine the timing of benefits that maximizes lifetime income.
• COLLEGE FUNDING: We assist in estimating future college costs and develop a strategy for funding the client’s portion of those costs.
• DEATH & DISABILITY: We review the client’s and family’s financial needs at death or disability, including taxes, liabilities, and income needs for surviving dependents.
• INSURANCE: We review life, health, disability, and long-term care insurance needs. We recommend appropriate levels of coverage and evaluate the cost-effectiveness of existing policies.
• ESTATE PLANNING: We work with the client’s legal and tax advisors to develop a plan for the management and distribution of the client’s assets beyond their lifetime. Consideration is given to the objectives for heirs and charitable interests and to minimize estate and income taxes. As part of its financial planning services, DMB, Inc. may recommend the services of itself, and its advisory representatives to implement its recommendations. Clients are advised that a potential conflict of interest exists if DMB, Inc. recommends its own investment management services as part of a financial planning engagement. However, in all cases, DMB, Inc. and its advisory representatives will only make such recommendations if they believe them to be in the best interests of the client. Clients are to accept or reject any of the Firm’s recommendations provided under a financial planning engagement and further retain the authority and discretion over all such implementation decisions. Should a client decide to implement any recommendations contained in their financial plan, the client can, but is under no obligation to, utilize DMB, Inc.’s investment management to implement those recommendations. Clients who wish to engage DMB, Inc. for non-discretionary or discretionary investment management services may be required to enter into a separate written agreement with the Firm for such services, for which DMB, Inc. will be paid a separate fee based on assets under management as

set forth under Item 5. ASSET MANAGEMENT This service is designed to align the client’s investment portfolio with their financial goals, risk profile and expectations of returns. Asset allocation models based on Modern Portfolio Theory are created using mutual funds, exchange traded funds (“ETFs”), stocks, bonds, options, and other publicly traded securities. The client’s individual investment strategy is tailored to their specific needs, investment goals and time horizon. Once the appropriate portfolio suitable to the client’s individual circumstances has been determined, it will be regularly monitored and rebalanced. If necessary, portfolios will be reallocated to meet your changing needs and goals. Upon client request, our firm provides a summary of observations and recommendations for the planning or consulting aspects of this service. Our firm may utilize SMA managers or Sub-Advisers to aid in the implementation of an investment portfolio designed by our firm. Before selecting a firm or individual, our firm will ensure that the chosen party is properly licensed or registered. For non-qualified accounts, DMB offers tax-aware portfolios that are designed to maximize after-tax returns. We may partner with third-party managers, who charge an annual fee of up to 0.65% to manage those models and administer the tax strategies. As a cost-savings measure, clients have the option of having the fixed-income portion of the model managed in-house. This is further described in Item 5 of this Form ADV 2A Firm Brochure. COMBINED FINANCIAL PLANNING & ASSET MANAGEMENT Financial Planning and Asset Management are offered as a combined service for a single fee, as disclosed in item 5. QUALIFIED PLAN SERVICES DMB, Inc. provides consulting services to qualified plan sponsors. DMB Inc. will assist plan sponsors with designing the plans, choosing providers (investment management and recordkeeping), and monitoring the plans. As the needs of the plan sponsor dictate, DMB, Inc. will meet with the plan sponsor at least annually, or as determined by the sponsor, to review the plan’s performance. All qualified plan services shall be in compliance with the applicable state and federal law(s). These services apply to accounts that are a pension or other employee benefit plan (a “Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). When providing our Pension Consulting Services, we acknowledge that we are a fiduciary within the meaning of Section 3(21) of ERISA but only with respect to those services request by the plan sponsor and memorialized in the separate Client Engagement Agreement. WRAP FEE PROGRAMS DMB, Inc. provides neither portfolio management services for, nor sponsors, any wrap fee programs, as that term is defined in the instructions to Form ADV. However, DMB, Inc. may recommend third- party advisor who sponsor, organize, and/or administer wrap fee programs through their platform. The third party SMA manager or Sub-Adviser provider sponsoring this program will provide clients with a copy of the advisor’s Wrap Fee Program Brochure (Appendix 1 to Part 2A), setting forth important information about the applicable program. ADVISORY AGREEMENTS Prior to engaging DMB, Inc. for investment advisory and/or financial planning services, the client will be required to enter into one or more written agreements with DMB, Inc. setting forth the terms and conditions under which DMB, Inc. shall render its services. DMB Inc. will provide a brochure and brochure supplements to each client or prospective client prior to or contemporaneously with the execution of an investment advisory agreement. The terms and conditions under which the client shall engage a SMA manager or Sub-Adviser investment strategist or program sponsor will be set forth in a separate written agreement directly with the third-party advisor and/or program sponsor selected. The advisory relationship will continue until terminated by the client, DMB, Inc., or the sponsor/advisor, in accordance with the provisions of these agreements. A client agreement with DMB, Inc. may be canceled at any time, at the discretion of either party, for any reason upon receipt of 5 days written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded. In calculating a client’s reimbursement of fees, we will pro-rate the reimbursement according to the number of days remaining in the billing period. REGULATORY ASSETS UNDER MANAGEMENT As of December 31st, 2023, our firm manages $152,350,062 on a discretionary basis and $8,290,283 on a non-discretionary basis.