Beckerman Institutional, LLC (“Beckerman Institutional” or the “Firm”) has been in business since 2007. Daniel Beckerman is the Firm’s only principal owner. Beckerman Institutional provides asset management and accompanying financial planning services for retail clients, as well as asset management and retirement plan consulting for retirement plans. Financial Planning and Asset Management Beckerman Institutional begins with assessing the client’s needs and risk tolerance. Client needs refers to the end purpose of client funds, or what the client wants the funds to do for them. Some purposes include retirement, planning for purchases, estate planning, charitable giving and other uses for client funds. Risk tolerance refers to the client’s preference and comfort level in terms of short term market swings. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a client's prior investment history, as well as family composition and background. Beckerman Institutional will then develop an investment portfolio for the client in keeping with those objectives and risk tolerance. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. During the course of the relationship, Beckerman Institutional will also perform incidental financial planning and consulting services. When we perform asset management services, we will do so on either a discretionary or non- discretionary basis. When you engage us on a discretionary basis we will continue an ongoing relationship with each client being involved in various stages of their lives and decisions to be made, but we will not seek specific approval of changes to client accounts. When we take discretion managing accounts, clients engaging us will be asked to execute a Limited Power of Attorney (granting us the discretionary authority over the client accounts) as well as an agreement that outlines the responsibilities of both the client and

Beckerman Institutional. We manage non-discretionary accounts the same as we do for our discretionary clients, except we will consult with the client prior to implementing any investment recommendation. Clients should be aware that some recommendations may be time-sensitive, in which case recommendations not implemented because we are unable to reach a non-discretionary client may not be made on a timely basis and therefore client’s account may not perform as well as it would have had Beckerman Institutional been able to reach the client for a consultation on the recommendation. If you request, Beckerman Institutional may recommend the services of other professionals for implementation purposes. You are under no obligation to engage the services of any such recommended professional. You retain absolute discretion over all such implementation decisions and are free to accept or reject any recommendation by Beckerman Institutional. If you engage any professional recommended by Beckerman Institutional, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from and against the engaged professional. Retirement Plan Consulting Beckerman Institutional offers fee based qualified retirement plan services that provide non- discretionary services to sponsors and trustees of qualified retirement plans. Beckerman Institutional will assist the plan in establishing a menu of mutual funds and / or models to offer to participating employees of the qualified retirement plan. Employees will self-direct the investments of their accounts within the plan. Beckerman Institutional will recommend investments to the plan sponsor, monitor the plan’s investments, suggest replacements as appropriate, provide participant education and other services as requested by the plan sponsor for the plan. Beckerman Institutional does not participate in or sponsor a wrap program. As of January 1, 2024, we were actively managing $ 212,967,120 of clients' assets on a discretionary basis plus $ 6,957,946 of clients' assets on a non-discretionary basis.