Item 5 – Additional Compensation ........................................................................................................................ 16 Item 6 -Supervision .................................................................................................................................................... 16 P a g e | 4 A. Firm Information O’Brien Capital Management, Inc. (“OCM”) is a registered investment adviser with the United States Securities and Exchange Commission, and was organized as a corporation in the State of New York in June 2005. John M. O’Brien, CFP® is the only principal owner. B. Advisory Services Offered Investment Advisory Services OCM provides continuous, active management of Client investment portfolios. OCM will emphasize continuous personal client contact and interaction in providing discretionary investment supervisory services. Discretion is limited to purchases and sales of securities. Further, OCM will work with clients to identify their investment goals and objectives as well as risk tolerance in order to create an initial portfolio allocation designed to complement clients’ educational, home ownership, and retirement funding goals and objectives. OCM may create a portfolio, consisting of individual stocks or bonds, exchange traded funds, no-load funds and/or load-waived funds (front-end commissions will not be charged), or any other security deemed appropriate by OCM. Investment strategy will generally focus primarily on a long term buy and hold approach as opposed to short-term trading. Each portfolio will be initially designed to meet a particular investment goal, which OCM has determined to be suitable to the client’s circumstances. Once the appropriate portfolio has been determined, OCM will review the portfolio quarterly and if necessary, suggest to the client that rebalancing take place, based upon the client’s individual needs, stated goals and objectives. Accounts are typically managed on a discretionary basis, though non-discretionary services are also available. See Item 16 – Investment Discretion for more information. Financial Planning Services OCM provides comprehensive financial planning and consulting services. Generally, such financial planning services will involve preparing a financial

program or rendering a financial consultation for clients based on the client’s financial circumstances, objectives, risk tolerance and time horizon. This information normally would cover present and anticipated assets and liabilities, including insurance, savings, investments, and anticipated retirement or other employee benefits. The program developed for financial consultation rendered to the clients will usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients obtain insurance or revise existing coverage, establish an individual retirement account, increase or decrease funds held in savings accounts or invest funds in securities. OCM may develop tax or estate plans for its clients and recommend professional accountants or attorneys to implement the plan. Clients are under no obligation to engage the services of any such recommended professional. Clients retain absolute discretion over all implementation decisions and are free to accept or reject any recommendation from OCM. C. Client Account Management OCM tailors our advisory services to the individual needs of each client. OCM will work with each client to determine and understand their unique circumstances, including their: financial objectives, risk tolerance, time horizon, liquidity preferences and tax situation. With these guidelines in place OCM determines an appropriate asset allocation for the client and constructs a portfolio utilizing: P a g e | 5  Individual company stocks  Stock and bond mutual funds  Individual fixed income securities (bonds)  US and international equity (stock)  Exchange Traded Funds (ETFs)  Exchange Traded Notes  Bond ETFs  Other instruments deemed appropriate. Each client will have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. OCM will not attempt to manage short-term market fluctuations with active trading (market- timing/allocation). However, all portfolios are rebalanced as necessary upon OCM review. More or less frequent rebalancing may be required depending on macro-economic, market or sector factors. D. Wrap Fee Programs OCM does not manage any wrap fee programs. E. Assets Under Management. As of December 31, 2023, OCM manages the following assets: Discretionary Assets $32,860,290 Non-Discretionary Assets $0 Total $32,860,290