Firm Description Financial Futures Limited Liability Company, (referred to as “we,” “our,” “us,” or “FFLLC”) was founded in 2004. FFLLC is a fee-only financial planning and investment management firm. We provide personalized financial planning and investment management to individuals, families, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client and may include determination of financial objectives, identification of financial problems, cash flow management, retirement planning, budgeting, tax planning, insurance review, investment management, education and college funding, and estate planning. FFLLC is solely compensated through direct fees paid by its clients and not through any product-based commissions or any third-party companies. As a part of financial planning, investment advice is offered, with the client making the final decision on investment selection. FFLLC does not act as a custodian of client assets. The client always maintains asset control. FFLLC places trades for clients under a limited power of attorney with discretionary authority. FFLLC will invest client’s accounts in certain percentages amongst numerous asset classes (e.g., stocks, corporate and government bonds, ETFs, mutual funds, and other investment managers) A written evaluation of each client's initial financial situation, often in the form of a Financial Plan with Action Steps, is offered to the client provided that the client has provided FFLLC with all of the client’s current and pertinent financial information. Annual reviews of the client’s financial situation are also offered to provide reminders of the specific course of action that need to be taken. More frequent reviews may be requested by the client if an unexpected change in financial situation occurs. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed to the client in the unlikely event they should occur. In performing its services, FFLLC shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. If requested by the client, FFLLC may recommend the services of other professionals for implementation purposes. The client is under no obligation to engage the services of any such recommended professional. Each client is advised that it remains his/her responsibility to promptly notify FFLLC if there is ever any change to his/her financial situation or investment objectives for the purpose of reviewing and/or revising FFLLC’s previous recommendations and/or services. Furthermore, clients may request restrictions on investing in certain securities subject to FFLLC’s agreement to such a restriction. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Principal Owners Jorie Barnett Johnson, CFP® is a 100% owner and managing member. Types of Agreements FFLLC works with clients via either a Client Relationship Agreement or on an Hourly Project Basis. Financial Planning Relationship A financial planning relationship usually includes an initial written financial plan, annual written updates to the financial plan, assistance with the implementation of the financial plan, on-going financial advice, monitoring of the plan, and investment management. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of current debts and recommendations for changes, if applicable; a review of insurance policies and recommendations for changes, if necessary; one or

more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice and specific recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. Investment advice typically consists of recommendations including mutual funds and exchange-traded funds. Recommended investments may also include: equities (stocks), warrants, bonds, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities, U. S. government securities, options contracts, futures contracts, and interests in partnerships. Initial public offerings (IPOs) are not available through FFLLC. The initial fee for a financial plan is predicated upon the facts known at the beginning of the engagement. The initial fee range is typically $2,500 to $5,000. Since financial planning is a discovery process, situations occur wherein the client is unaware of certain financial exposures or predicaments. In the event that the client’s situation is substantially different than disclosed at the initial meeting, a revised fee will be provided for mutual agreement. The client must approve the change of scope in advance of the additional work being performed when a fee increase is necessary. Compilation of the written financial plan typically takes 6-8 weeks. Once complete, the written financial plan is presented to the client. Every financial plan is equipped with a list of Action Items that must be completed or implemented to fully execute the financial plan. Failure to complete this Action List may result in compromising the projections of the financial plan. FFLLC assists clients with implementing the Action Items detailed in the financial plan. Realistic and measurable goals are set and objectives to reach those goals are defined in the financial plan. As goals and objectives change over time, suggestions are made and implemented on an on-going basis. FFLLC offers to update each client’s financial plan annually. Clients may request a financial plan update when convenient or when unexpected situations arise. A conflict of interest exists to the extent FFLLC’s financial planning recommends the utilization of FFLLC to manage their assets for a fee. In order to address this conflict, the client is under no obligation to act upon the investment adviser's recommendation, and if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser. Although the Financial Planning Relationship Agreement is an on-going agreement, the length of service to the client is at the client’s discretion. The initial agreement has a minimum term of nine months after which time has elapsed, the client or FFLLC may terminate the Agreement by written notice to the other party. If termination occurs prior to the end of a billing quarter, fees will be billed on a pro-rata basis for the portion of the quarter completed. Hourly Planning Engagements FFLLC provides hourly planning services for clients who need advice on a limited scope of work. Financial plans cannot be completed through an hourly engagement. The scope of each hourly engagement is determined solely by the client. Termination of Agreement A Client may terminate any agreement at any time by notifying FFLLC in writing and paying for the time spent on the investment advisory engagement prior to notification of termination. If the client made an advance payment, FFLLC will refund any unearned portion of the advance payment. FFLLC may terminate any agreement at any time by notifying the client in writing. If the client made an advance payment, FFLLC will refund any unearned portion of the advance payment. FFLLC does not sponsor or participate in any wrap fee programs. As of May 2024, FFLLC manages approximately $196 million in assets under management, all on a discretionary basis.