Firm Description BARTLEY FINANCIAL ADVISORS, LLC (BFA), (“FIRM NAME”) was founded in September of 2000. BFA provides personalized confidential financial planning and investment management to individuals, pension and profit sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client and can include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. BFA is strictly a fee-only financial planning and investment management firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. Investment and security selection advice is provided and discussed with the client. BFA does not act as a custodian of client assets. The client always maintains asset control. BFA places trades for clients under a limited power of attorney. A written evaluation of each client's initial situation is provided to the client, often in the form of a net worth statement. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. 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. 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 Robert C. Bartley Trust is the primary owner. Robert C. Bartley is the trustee of the Robert C. Bartley Trust. Types of Advisory Services BFA provides investment supervisory services, also known as asset management services and furnishes investment advice through consultations. On more than an occasional basis, BFA furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, and trust services that often include estate planning. As of December 31, 2023 BFA manages approximately $105,694,217 of client assets on a discretionary basis, and $22,793,729 on a non- discretionary basis. Asset Management Services Assets are invested primarily in no-load or low-load mutual funds, exchange- traded funds, stocks and bonds through a discount brokerage firm. Mutual funds and exchange-traded funds charge each fund shareholder an investment management fee that is disclosed in the fund’s prospectus. Discount brokerage firms charge a transaction fee for the purchase of mutual funds. Exchange-traded funds, stocks and bonds are purchased or sold through a brokerage account. The brokerage firm charges a fee for these trades. BFA does not receive any compensation, in any form, from fund companies or brokerage firms. Investments can also include; warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U. S. government securities, options contracts, futures contracts, and interests in partnerships. Initial public offerings (IPOs) are not available through BFA. Tailored Relationships The specific goals and objectives for each client are discussed and documented. Clients

may impose restrictions on investing in certain securities or types of securities. Types of Agreements The following agreements define the typical client relationships. Agreements may not be assigned without client consent. Advisory Agreement Most clients choose to have BFA manage their assets in order to obtain ongoing in-depth advice and planning. All aspects of the client’s financial affairs are reviewed. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for an Advisory Agreement is provided to the client in writing prior to the start of the relationship. An Advisory Agreement includes: cash flow management; insurance review; investment management (including performance reporting); education funding planning; retirement planning; estate planning; and tax planning , as well as the implementation of recommendations within each area. The annual Advisory Agreement fee includes both financial planning and investment management fees. The total financial planning and investment management fee is based on the amount of planning work required and the complexity of the issues involved. It is based on a client’s income and net worth. The total fee is broken down to one simple fee based on a percentage of the investable assets according to the following schedule: First $1,000,000 1.00% per year $1,000,000 but less than $2,000,000 .90% per year $2,000,000 but less than $3,000,000 .80% per year $3,000,000 but less than $4,000,000 .70% per year $4,000,000 but less than $5,000,000 .60% per year More than $5,000,000 Quote The minimum annual fee is based on the complexity of a client’s situation and is included in the Advisory Agreement. The minimum fee is negotiable. The minimum annual fee, when applicable, is increased annually, in January, based on the Cost-of-Living adjustment issued by the U.S. Government for the year. In the event of deflation, fees will remain the same. Current client relationships exist where the fees are higher or lower than the fee schedule above. In addition, due to the size or complexity of a new client’s situation, the investment management fees charged can be higher than the schedule noted above. The fees charged would not exceed 2% per year. The Advisory Service Agreement is an ongoing agreement. The length of service to the client is at the client’s discretion. The client or BFA can terminate an Agreement at any time by written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the quarter completed. The portfolio value at the completion of the prior full billing quarter plus a quarter of the annual financial planning fee (or minimum quarterly fee) is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. Hourly Planning Engagements BFA provides hourly planning services for clients who need advice on a limited scope of work. The hourly rate for limited scope engagements is $450 for Robert Bartley and from $125 - $275 for other team members, which is disclosed in an engagement letter. Termination of Agreement or Engagements A Client can terminate any of the aforementioned agreements or engagements at any time by notifying BFA in writing and paying the unpaid fees prior to notification of termination. If the client made an advance payment, BFA will refund any unearned portion of the advance payment. BFA can terminate any of the aforementioned agreements at any time by notifying the client in writing. If the client made an advance payment, BFA will refund any unearned portion of the advance payment.