Balanced Financial Planning, Inc., (referred to as “BFP”, “we”, “us”, “our”, firm” or “advisor”) was formed as a corporation in the State of Kansas November 1st, 2004 by Rosemary O. Danielson CFP® and Jo Ellen Fritz CFP® RICP®. BFP is now owned equally by Jo Ellen Fritz, CFP® and BFP. BFP is located in Overland Park, Kansas. The firm provides financial planning services and investment advice to individuals and families. As of December 31, 2022, the firm had $67,108,115 in discretionary and $65,685,089 in non‐ discretionary regulatory assets under management. Clients have the flexibility to engage us one‐time, as needed Hourly, or on an ongoing basis via our Retainer Services. Retainer Services include the ongoing investment management of assets. Financial Planning Services: BFP provides hourly Financial Planning. Advice is rendered in the areas of cash flow and debt management, risk management, college funding, retirement planning, estate planning, and tax planning. Initial Engagement: For the Initial Engagement, your representative first conducts an initial interview and gathers data to assist client in determining specific needs, goals, objectives, and tolerance for risk. Your representative then prepares analyses of your current financial situation and possible future scenarios, when appropriate. Next, your representative presents the analysis and a written summary of the significant observations, assumptions, and recommendations over each area that the representative was engaged to provide advice. Upon the completion of this presentation, we will schedule a follow‐up meeting within 90 days and implement those recommendations authorized by the client, this type of engagement will conclude and the Client Service Agreement ‐ Initial Engagement terminates. We recommend periodic financial reviews, and it is the client's responsibility to initiate them. Clients requesting additional services after the Initial Engagement will be presented with a new Client Service Agreement best suited to the services the client seeks. If client has not engaged BFP for a period of eighteen (18) months, then BFP, will no longer consider them to be an active client. If the client contacts BFP after a period of eighteen (18) months the client may need to submit an updated Client Questionnaire as well as any additional

data needed by BFP and sign a new Client Service Agreement in order for BFP to perform the services requested by the client. Retainer Services: Clients seeking Retainer Services will complete the Initial Engagement, then the Retainer Services will pick up where the Initial Engagement ends. With Retainer Services, BFP will provide ongoing investment management and quarterly reports. Retainer clients are provided access to our firm for ongoing questions via phone calls, emails and/or office meetings. Retainer clients may elect to be Discretionary or Non‐Discretionary clients. Non‐Discretionary clients acknowledge that BFP cannot make any trades for the client without written or verbal authorization to BFP. BFP allows clients to impose reasonable restrictions on investment management of their account(s). Reasonable restrictions, including special instructions and limitations, regarding the investment management of the account(s) must be provided in writing. Hourly Services: Most clients find after the Initial Engagement that at least an annual review is beneficial for staying on track with their financial plan. Areas covered during a review are determined by the client. Typically, clients request a review of their investment portfolio semi‐annually or annually and updated retirement projections on a less frequent basis. No ongoing or automatic reviews are provided by BFP under the Client Service Agreement ‐ Hourly Engagement. It is the Client's responsibility to initiate the review by contacting BFP to schedule an appointment and provide all the necessary account statements to the representative two weeks prior to the scheduled review. Generally, client will receive a written summary report of investment recommendations at the review meeting, as appropriate. These consultations and those via phone or mail, including electronic mail (E‐ mail) are based on actual time. Estate Distribution Engagement: Upon the death of a client, the estate of the client may engage BFP to assist in the distribution of assets held at Fidelity Institutional Brokerage Services where BFP is listed as the investment adviser of record on the accounts. Such services will include establishing accounts as needed, including but not limited to new trust account(s), inherited IRA trusts and inherited IRA accounts.