Saybrook Wealth Group offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to Saybrook Wealth Group rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Saybrook Wealth Group setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). Saybrook Wealth Group filed for registration as an investment adviser in November 2021 and is owned by Stephen Norton. As of December 31, 2023, Saybrook Wealth Group had $196,711,823 in assets under management; $18,002,054 of which was managed on a discretionary basis and $178,709,769 of which was managed on a non-discretionary basis. While this brochure generally describes the business of Saybrook Wealth Group, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on Saybrook Wealth Group’s behalf and are subject to the Firm’s supervision or control. Financial Planning and Consulting Services Saybrook Wealth Group offers clients a broad range of financial planning and consulting services. This includes goal planning as well as more formal financial planning and social security analysis through the use of third-party software solutions. While the financial planning and consulting services is available on a stand-alone basis, certain of them can also be rendered in conjunction with investment portfolio management as part of a comprehensive wealth management engagement (described in more detail below). In performing these services, Saybrook Wealth Group is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. Saybrook Wealth Group recommends certain clients engage the Firm for additional related services, its Supervised Persons in their individual capacities as insurance agents and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage Saybrook Wealth Group or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Saybrook Wealth Group under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Saybrook Wealth Group’s recommendations and/or services. Investment and Wealth Management Services Saybrook Wealth Group provides clients with wealth management services which include a broad range of financial planning and consulting services as well as discretionary and/or non-discretionary management of investment portfolios. Saybrook Wealth Group primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities and independent investment managers (“Independent Managers”) in accordance with their stated investment objectives. Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Clients can engage Saybrook Wealth Group to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Saybrook Wealth Group directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company, or the custodian designated by the product’s provider. Saybrook Wealth Group tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. Saybrook Wealth Group consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify Saybrook Wealth Group if there are changes in their financial situation or if

they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if Saybrook Wealth Group determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. AblePlanning.com Saybrook Wealth Group provides a web-based service under the name AblePlanning.com. AblePlanning.com provides special needs planning services to families and individuals. Retirement Plan Consulting Services Saybrook Wealth Group provides various consulting services to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and includes any or all of the following services:
• Plan Design and Strategy
• Plan Review and Evaluation
• Executive Planning & Benefits
• Investment Selection
• Plan Fee and Cost Analysis
• Plan Committee Consultation
• Fiduciary and Compliance
• Participant Education As disclosed in the Advisory Agreement, certain of the foregoing services are provided by Saybrook Wealth Group as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), each plan sponsor is provided with a written description of Saybrook Wealth Group’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Firm reasonably expects under the engagement. Educational Workshops Saybrook Wealth group provides periodic educational seminar sessions for those desiring information on personal finance. Topics may include issues related to general financial planning, educational funding, student debt management, budgeting, estate planning, retirement strategies, and various other current economic topics. Our workshops are educational in nature and do not involve the sale of investment products. These workshops are at no cost to the attendees. Use of Independent Managers As mentioned above, Saybrook Wealth Group selects certain Independent Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages an Independent Manager are set forth in a separate written agreement with the designated Independent Manager. That agreement can be between the Firm and the Independent Manager (often called a subadvisor) or the client and the Independent Manager (sometimes called a separate account manager). In addition to this brochure, clients will typically also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. Saybrook Wealth Group evaluates a variety of information about Independent Managers, which includes the Independent Managers’ public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, the Firm seeks to assess the Independent Managers’ investment strategies, past performance, and risk results in relation to its clients’ individual portfolio allocations and risk exposure. Saybrook Wealth Group also takes into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing, and research capabilities, among other factors. Saybrook Wealth Group continues to provide services relative to the discretionary or non-discretionary selection of the Independent Managers. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers. Saybrook Wealth Group seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. The Firm will recommend Raymond James & Associates (“RJA”), member NYSE/SIPC, or another of its affiliates (collectively, along with Raymond James Financial Services, Inc. (“Raymond James”)) as custodian. More details about Raymond James are described below. The Firm expects to engage the Independent Managers through one or more of Raymond James’s programs. The Independent Managers can be affiliated with Raymond James which results in a conflict of interest for Raymond James to approve and favor these Independent Managers in their programs. The Firm does not, however, receive any additional compensation if a Raymond James affiliate is selected as the Independent Managers. Clients will sign a separate agreement with Raymond James that names Saybrook Wealth Group (either directly or through an investment adviser representative of Saybrook Wealth Group) as the investment adviser.