V OA Portfolio Management Services Include but is not limited to:  Investment Policy Statement  Risk Tolerance assessment  Investment Strategy  Asset Allocation  Investment Selection  Constant Portfolio Monitoring Investment Advisory Services for Qualified Retirement Plans OA offers investment advisory services for qualified retirement plans consisting of but not limited to a review of a client’s current plan, while considering client’s investment objective, risk tolerance and cost. The portfolio could include but not limited to exchange traded Funds, mutual Funds, actively managed funds, passively managed funds. This service aims to provide clients with investment choices which allow the client to achieve their investment objectives at a reasonable cost. The investment choices within a client’s retirement plan would be reviewed on a regular basis. NOTE: For all services mentioned above, the advisor assists the client in the gathering and organizing of all relevant data. Once that data is obtained, the advisor then sets out to help establish each client’s risk tolerance, investment horizon and investment objectives. Investment Advice Limited to Specific Types of Investments OA investment recommendations are not limited to any specific product or service and will generally include the following securities:  Exchange listed securities  Corporate Debt  Municipal Securities  United States Government Securities  Closed End Funds  Exchange Traded Funds VI  Mutual Funds  OA may use additional securities when appropriate for diversification. Note: Some types of investments involve additional risk. All recommendations implemented will be consistent with the client’s stated investment objectives, risk tolerance and suitability. C. Tailored Advisory Services and Client Imposed Security Restrictions OA offers tailored advisory

services to all of its clients. Each client’s Investment Policy Statement and plan is used to construct a portfolio that meets the client’s objectives, risk tolerance and time horizon. Clients have the flexibility to impose reasonable restrictions on investing in certain securities, types of securities or industry sectors. However, should client imposed restrictions prevent OA from meeting the client’s investment objectives or force OA to deviate from its core advisory services, OA reserves the right to terminate the relationship. D. Wrap Fee Programs OA does not participate in wrap fee programs. Note: Rule 204-3(g)(4) defines wrap fee program to be a "program under which any client is charged a specified fee or fees not based directly on transactions in a client's account for investment advisory services (which may include portfolio management or advice concerning the selection of other advisers) and execution of client transactions." E. Amount of Clients Assets Under Management OA, as of year ending December 2023 has $70,275,671 assets under management on a Discretionary and/or Non-Discretionary basis. VII A. Fee Schedule Assets Under Management (AUM) Annual Fee % OA annual fee for Investment Advisory Services is based on a percentage of assets under management and generally starts at 1.50%. In certain circumstances and depending on the needs of the client, the AUM fee is negotiable at the discretion of OA. Discounts, not generally available to our advisory clients, may be offered to family members and friends of associated persons of our firm. Investment Supervisory Fees for Qualified Retirement Plans Assets Under Management Annual Fee First $1,500,000 0.50% Up to $3,500,000 0.40% Over $3,500,000 0.35% Note: Over $3,500,000 in plan assets, fees may vary based on number of participants in the plan.