Description of Advisory Firm IMPACTfolio®, LLC is registered as an Investment Adviser with the Securities & Exchange Commission. IMPACTfolio® became licensed as an investment Adviser in January 2018. Jeffrey Scott Arnold is the Chief Compliance Officer and a Managing Member. Rebecca Laelia Kennedy and Julie Denise McDaniel are Managing Members of IMPACTfolio®, LLC. As of December 31, 2022, IMPACTfolio®, LLC reported $148,474,774 in discretionary and zero non-discretionary Assets Under Management. Types of Advisory Services Investment Management Service & Ongoing Financial Planning Services We are in the business of managing individual investment portfolios utilizing an asset allocation model approach that provides several investment model options for clients based on their investment policy statement. Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's circumstances are established, we develop a client's personal investment policy with an asset allocation target and create and manage a portfolio based on that policy and allocation targets. We provide our investment management services on a discretionary basis and will not give advance notice or seek the Client’s consent when making changes or adjustments to the Portfolio. We may also review and discuss a client’s prior investment history, as well as family composition and background. Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure. IMPACTfolio® integrates environment, social responsibility, and corporate governance (ESG) factors with traditional financial analysis. Responsible investing and ESG strategies may operate by either excluding the investments of certain issuers or by selecting investments based on their compliance with factors such as ESG. These strategies may exclude certain securities, issuers, sectors, or industries from a client’s portfolio, potentially negatively affecting the client’s investment performance if an excluded security, issuer, sector, or industry outperforms. Responsible investing and ESG are subjective by nature, and IMPACTfolio® may rely on rankings, ratings, scores, and other analytic metrics provided by third parties in determining whether an issuer meets our standards for inclusion or exclusion. A client’s perception may differ from that of IMPACTfolio® or a third party on how to judge an issuer’s adherence to responsible investing principles. This service also involves working with an Adviser on an ongoing basis to build and customize a holistic financial plan, monitor the plan’s progress, and amend the plan over time for changes in the client’s situation and goals. As part of the ongoing financial planning process, a client will still receive a written or electronic financial plan designed to help achieve his or her stated financial goals and objectives. Follow-up meetings will be conducted as necessary and at the client's convenience. On at least an annual basis there will be a full review of the financial plan to ensure its accuracy and ongoing appropriateness. Updates and changes to the plan can be implemented at that time or sooner, if requested by the client. Project-Based Financial Planning (Hourly) Project-based financial planning includes an evaluation of a client’s current and future financial state by using currently known variables to estimate future cash flows, asset values and withdrawal plans. Once the information is reviewed, the Adviser will conduct various analyses and discuss the findings with the client. Ultimately, the client will receive a written or an electronic report, providing the client with a detailed financial plan designed to help achieve his or her stated financial goals and objectives. The client and Adviser will work together to select the specific areas to cover. These areas may include, but are not limited to, the following: ● Business Planning: We provide consulting services for clients who currently operate their own business, are considering starting a business, or are planning for an exit from their current business. Under this type of engagement, we work with you to assess your current situation, identify your objectives, and develop a plan aimed at achieving your goals. ● Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We

may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts. ● College Planning: Includes projecting the amount that will be needed to achieve college or other post- secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren’s education expenses (if appropriate). ● Employee Benefits Optimization: We can provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals. ● Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request. ● Financial Goals: We will help clients identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal. ● Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile. ● Investment Analysis: This may involve developing an asset allocation strategy to meet clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure. ● Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, typically focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years. ● Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long‐term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self‐insuring”). ● Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation. We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval. Excluding the aforementioned investment management services, our clients retain full control over all implementation decisions and are free to accept or reject any recommendation we make in their financial plan. If a client so chooses, we will guide them in the implementation of some or all of the recommendations. However, an additional fee for implementation help may be required if engaged in a project-based financial planning. See