D & G Advisory Group, LLC has been providing financial planning and investment advisory services since January of 2003. We provide these services primarily to individual, high-net worth clients. We also serve pension and profit-sharing plans, banks and thrift institutions, trusts, estates, charitable organizations, corporations, and other business entities. Principal Owners David M. Jones is the President of D & G Advisory Group, LLC, as well as the principal owner. Gail A. Jones is the Vice President of D & G Advisory Group, LLC, and is a partial owner. Types of Advisory Services D & G Advisory Group, LLC offers advisory services that primarily focus on investment account management. We also offer some additional services, including various areas of financial planning such as retirement analysis, college tuition planning, tax planning, estate planning and long term care planning. Financial planning services consist of gathering from the client, the client’s financial information and history, including, but not limited to:  retirement goals  financial goals and objectives  investment horizon  financial needs  investment risk tolerance levels  cash flow analysis  cost of living needs  education needs  savings tendencies  any other applicable financial information Using this gathered information, we prepare a recommendations letter or investment policy, which addresses the client’s situation. This letter or policy may be comprehensive in nature or modular, as determined by the client’s needs. We base these investment recommendations on the client’s financial situation at the time and on financial information disclosed to us by the client. When preparing these recommendations, we make certain assumptions regarding interest and inflation rates, as well as regarding past trends and performance of the market and economy. However, past performance is in no way an indication of future performance. We cannot offer any guarantees or promises that the client’s financial goals and objectives will be met. Further, the client must continue to review any recommendations, and update the investment plan based upon changes in the client’s financial situation, goals or objectives or changes in the economy. Should the client’s financial situation, goals, objectives or needs change, the client must notify D & G Advisors promptly of the changes. Advisory services for individually-managed accounts Our focus is on value investing and our horizon is long-term. We conduct our research via a variety of sources and methods. These include:  financial newspapers and magazines  research materials prepared by others  corporate rating services  inspections of corporate activities  annual reports, prospectuses, and filings with the Securities and Exchange Commission  company press releases For our investment management, we primarily use various types of equity securities, corporate, government, and municipal bonds, mutual funds, and certificates of deposit.

When we feel it is appropriate, we also utilize warrants, variable annuities, futures contracts, securities options, and partnerships, such as those related to real estate, energy interests, and leasing. Occasionally, we also provide financial planning or investment supervisory services which will involve non-securities investments such as life insurance, annuities, equity-indexed annuities and services such as estate, business, and long-term care planning. D&G Advisory Group, LLC offers annuities, both fee-based and commission-based, through Schwab. The recommendation and type of annuity used is always based on clients’ investment objectives, risk tolerance, and time horizon. Both types of annuities contain sub-accounts where the investments are held and managed by D&G. If the client decides to purchase an annuity, the fee-based annuity’s sub-account is charged D&G’s advisory fee. The commission-based annuity’s sub-account is not charged D&G’s advisory fee. We tailor client portfolios to the client’s individual needs. We then meet with and speak to the client regularly to determine whether there has been any significant change in the client’s circumstances and financial needs. This way, we can continue to monitor whether the client’s account continues to conform to the client’s investment objectives and requirements. We generally attempt to accommodate any investment restrictions that have been made know to us by clients (for example: an aversion to tobacco or casino companies). D&G Advisory Group, LLC does not outsource any investment management services. We actively manage all client accounts ourselves, whether it be by utilizing ETFs or equities, fixed income vehicles, or alternative investments. Brokerage Services We recommend that our client accounts use the brokerage services of Charles Schwab & Co, Inc. (“Schwab”), member SIPC, to purchase and sell securities on their behalf. Schwab, provides trade execution, clearing and other related services for client brokerage accounts. D & G’s referral of clients to Schwab involves a conflict of interest. Implementing or setting up client accounts with Schwab may generate payments to D & G, such as the 12b-1 fees discussed under Item 5 – Fees and Compensation, which are in addition to any other hourly fees that D & G may charge. We fully disclose the nature of the relationship and compensation arrangement between Schwab, D & G Advisors, and the client to all prospective clients. We do not participate in wrap-fee programs. We do have discretion over client accounts, if the Client chooses the option to grant us discretion. We do not publish research reports or sell newsletters. We do work with our clients’ accountants and attorneys, when appropriate, to discuss estate planning, generation skipping and tax efficiency. As of January 17, 2024, our total assets under management are $131,811,595, of which $131,220,307 are assets managed on a discretionary basis, and $591,288 are assets managed on a non-discretionary basis.