BUSINESS AND OWNER Normandy Investment Advisors (referred to as “Normandy”, “we”, “us”, “our”, firm” or “adviser”) is the business name for Summit Investment Advisors, Inc., a Kansas corporation, which was formed in 2006 and has its principal place of business in Leawood, Kansas. It commenced operation as an investment adviser in 2021. Jeffrey A. Tudas, CFP®, Founder and Principal, is the sole shareholder. Mr. Tudas shares management responsibilities with Brent A. Caswell, AIF®, Principal. ADVISORY SERVICES OFFERED Normandy Investment Advisors provides personalized wealth management solutions and customized portfolio management to its clients. Normandy works closely with each client to identify their goals, investment objectives, risk tolerance, liquidity needs, and financial situation to formulate a customized financial strategy. We may incorporate retirement planning, social security strategizing, risk management, wealth transfer planning, tax planning and/or education funding, as appropriate to your situation. Using the financial strategy as a guide, we develop an asset allocation for you and then provide portfolio management. Portfolio management services are primarily offered on a discretionary basis. Normandy will monitor client account(s), make trades, and rebalance, as appropriate to the client’s investment strategy. Please see Item 16 – Investment Discretion for more information. Generally, when creating a portfolio, we will utilize stocks, bonds, options, exchange traded funds (ETFs) and/or mutual funds. Additionally, if a portfolio has legacy positions, we will assist our clients in managing these holdings. Wealth Management Consulting. Wealth management consulting services are offered where clients need an a la carte solution. We offer a variety of financial planning analyses and services. Portfolio consulting services are offered where clients have an account held away from our firm that cannot be moved to our recommended custodian. Clients may provide us with view only access or periodic statements. In these

circumstances, Normandy will provide portfolio recommendations only, which the client must implement. Retirement Plan Consulting. Non-Discretionary. Additionally, we offer services to pension or other employee benefit plans (including 401(k) plans). In these circumstances, Normandy will provide portfolio recommendations only, which the client must implement. Discretionary. Additionally, we offer services to participants in pension or other employee benefit plans (including 401(k) plans). We use a third-party platform to facilitate discretionary management of these held away assets. The client will receive a link which will allow them to connect their account(s) to the platform. Once the account is connected to the platform, Normandy will review the current account allocations. As appropriate, taking into consideration the client’s investment goals and risk tolerance, Normandy will rebalance the account and/or change the asset allocations. With both types of retirement plan consulting, our advice is restricted to the allocation of the assets among the investment alternatives provided by the retirement plan. CLIENT NEEDS AND RESTRICTIONS Our investment advice is tailored to each client, as described above. Normandy allows clients to impose reasonable restrictions on the management of the account(s). Reasonable restrictions, including special instructions and limitations, regarding the portfolio management of the account(s) must be provided in writing. Clients are responsible for notifying us of any updates regarding their financial situation, investment objectives, or risk tolerance and whether they wish to impose or modify any existing investment restrictions. NORMANDY INVESTMENT ADVISORS | Form ADV 2A | v. March 2024 Page| 5 WRAP FEE PROGRAMS Normandy does not participate in any wrap fee programs. ASSETS UNDER MANAGEMENT As of December 31, 2023, we have $129,618,354 discretionary and $0 in non-discretionary regulatory assets under management. Additionally, we provide retirement plan consulting services to $23,621,492 in non- regulatory assets under management.