Atwood Financial Planning LLC (“Atwood” or “AFP”) is a fee-only financial planning firm specializing in helping clients understand their cash flow and budgeting, the amounts they should have in savings for emergencies and goals, how to pay down debt, how much to save for retirement, how much TERM life insurance to have, and what estate planning documents are recommended. Atwood also works with clients on investing and portfolio planning. We recommend a general approach to investing for retirement and non-qualified savings that will then be specified in our meetings by running various scenarios and understanding each client’s risk appetite and goals. Atwood is principally owned by Lori Atwood, CFP® and has been in business since June 30, 2017. Atwood has no assets under management and is a fee for service firm only. Atwood does not sell any products, nor does it collect commissions from any other entity or person. Lori Atwood, CFP® and Principal of Atwood Financial Planning LLC, as well as any Associate (an investment advisor representative working with Atwood) working with Atwood has a fiduciary duty toward clients. Lori Atwood and all Associates working with Atwood have a duty to act in a manner they reasonably believe to be in the best interest of clients, and in good faith. Atwood tailors its financial planning services to each client’s specific needs. Atwood may provide advice regarding investments related generally to index fund/ETF portfolios, government issued securities and cash/cash equivalents as well as the client’s current holdings. Atwood does not use a questionnaire or survey to assess risk tolerance of clients. Instead, recommendations are made based on specific client goals and risk appetite specified through discussions. Atwood does not advise on specific individual stocks or corporate bonds unless already held by the client. In relation to Atwood’s general investment approach and recommendations, our Associates may recommend various broker-dealers and/or custodians to allow a client to implement the agreed plan. Atwood has no affiliation with any brokers-dealers/custodians or other service providers recommended and typically more than one broker/dealer/custodian will be recommended to give the client a choice. Atwood does not provide any services as part of a wrap fee program. Clients can cancel services with AFP at any time during the planning process and will only owe fees for meetings already held. AFP will charge a cancellation fee if a meeting is canceled within 2 business days of the scheduled time. For all services, Clients may terminate their engagement with Atwood within five (5) business days of signing an Agreement with no obligation and without penalty. After the initial (5) business days,

the Agreement may be terminated by Atwood with thirty (30) days written notice to Client and by the Client at any time with written notice to Atwood. In the case of hourly engagements, fees will be prorated based on the work completed at the stated hourly rate. All unpaid earned fees will be due to Atwood and all unearned fees will be refunded to the Client. Any increase in fees will be acknowledged in writing by both parties before any increase in said fees occurs. Atwood Financial Planning LLC provides small business and start-up financial planning. Atwood Financial Planning LLC works with a self-employed individual, start-up or going concern on financing, business model, pricing, operations efficiency, business account organization and portfolio management for the organization. Atwood Financial Planning also works with institutions (501c3 and other designations) on portfolio management, account organization and cash management. Atwood Financial Planning LLC has five Corporate Financial Wellness Solutions including the following: 1. Running financial “challenges” for institutions and corporations that are charged based on the hours required for each challenge. 2. Hours Bundles including 10 hours of one-on-one financial planning time. Engagement Letters are between the employee participant and Fearless Finance. Our fiduciary duty is to the client participant and not the employer. 3. Platform Solution that includes running the Fearless Finance platform for basic recommendations for each employee who runs it, the Financial Planning Foundations live webinar and integration with the institution’s technology. Employees can run the algorithm unlimited times. 4. Live virtual seminars customized to each employer’s needs. The seminars are one hour long and available to as many employees as the employees want as long as the technology will accommodate them. 5. AFP will provide Small Group Planning and Small Group Planning Participants will receive 5, hour-long, online webinar sessions with one of our Associates. Participants will go through Cash Flow, Goal-Setting, Savings and Debt, Long-term Investing and Retirement Savings in a more general format than one-on-one planning but will be able to put their own plan together with the guidance of the Associate and support of the small group environment. We will contact the client annually to offer a check-in meeting and update their financial plan. The hourly rate applies to all check-in meetings. Lori Atwood, CFP® and Atwood Financial Planning LLC Associates occasionally hold educational seminars on personal financial planning and organization. Seminars are generally one-off in nature and focus on general household financial organization, saving and budgeting.