Introduction Callan Family Office offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to Callan Family Office rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Callan Family Office setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). While this brochure generally describes the business of Callan Family Office, 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 Callan Family Office’s behalf and are subject to the Firm’s supervision or control. Callan Family Office filed for registration as an investment adviser in December 2021 and is owned by Plectrum LLC, DCH Capital Management LLC, Toxaway LLC, Blue Wolf Ventures LLC, Laker Capital LLC, Ram Private Holdings LLC, JAWS Capital I LLC, Yellow Springs LLC, BOPL LLC, WTNGrace Holdings, LLC, Fleetwood d’Elegance LLC, Jcubed3 LLC, Magevney Capital LLC, Windy Knoll LLC, Wondra Investments LLC, Taughannock LLC, Tavyke Farms LLC, Wooded Acres LLC Mark Frazier, Tom Raymond, Ronald Lennie Bell, Amy Jucoski and Jeremy Rice. As of December 31, 2023, Callan Family Office has $4,767,784,116 in assets under management; $4,121,006,927 of which was managed on a discretionary basis and $646,777,189 of which was managed on a non-discretionary basis. Investment and Wealth Management Services Callan Family Office manages client investment portfolios on a discretionary and non- discretionary basis. In addition, Callan Family Office provides most clients with wealth management services which include a broad range of financial planning and consulting services. Callan Family Office primarily allocates client assets among various third-party independent managers (also called separate account managers, model managers, and, herein, “Independent Managers”), use of direct indexing capabilities, and privately placed securities (including debt, equity, real assets, and/or interests in pooled investment vehicles) in accordance with their stated investment objectives. While in most cases the Independent Managers will recommend individual debt and equity securities (among other investments including mutual funds and exchange-traded funds, or “ETFs”), the Firm will also directly manage such investments in certain circumstances. Where appropriate, the Firm may also provide 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. Disclosure Brochure | April 25, 2024 5 Callan Family Office 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. Callan Family Office 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 Callan Family Office 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 Callan Family Office 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. Financial Planning and Advisory and Consulting Services Callan Family Office offers family office services which include financial planning, financial administration, bill pay, historical performance reporting, data aggregation, document safe-keeping and exchange, philanthropic consulting, and family governance and education. The Firm provides these services to families as a complement to their investment services. These consultative services and financial education are principally being used for successor generations. Callan Family Office’s financial administration services team can assist clients in collecting, storing and processing bill payments as needed, as well as aggregate personal and business data into financial statements to track and report on assets, liabilities, equity, and cash flows, at a detailed level. Data aggregation provides an administrative accounting of all assets held by clients irrespective of whether they are managed by Callan Family Office or by another provider. Callan Family Office's Advisory and Consulting Practice revolves around the Firm’s philanthropic, family governance and education programs for individual clients, their families, foundations and endowments. In addition to the advice and consulting around client specific topics, best practices, and thought leadership, the Firm offers seven (7) programs to support families in achieving their charitable and legacy goals. The Firm believes that a well-crafted, meaningful family road map reflective of family values, strengths, and priorities can successfully live on for multiple generations. In performing these services, Callan Family Office 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. Callan Family Office recommends certain clients engage the Firm for additional related services 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 Callan Family Office 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 Callan Family Office under a financial planning or consulting engagement. Clients are advised that it remains their Disclosure Brochure | April 25, 2024 6 responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Callan Family Office’s recommendations and/or services. The Firm’s business advisory practice prioritizes the following: consulting with business owners to maximize net proceeds to owner/family through three phases of transaction (Pre/During/Post): entrepreneur education and advocacy to avoid sub-optimal outcomes while being agnostic to the transaction/transition timing or exit option; advice on strategic options analysis and assist in navigating unsolicited offers and; value optimization by

assisting in owner and transaction readiness. Use of Independent Managers Callan Family Office provides investment management services through a variety of products and investment vehicles. These include but are not limited to separately managed accounts, model managed accounts, mutual funds, ETFs and other pooled or collectively managed funds. As mentioned above, Callan Family Office selects certain Independent Managers to actively manage a portion of its clients’ assets on either a discretionary or non-discretionary basis. 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), the Firm and an Independent Manager delivering a model portfolio on a non-discretionary basis (often called model delivery), or the client and the Independent Manager. In addition to this brochure, clients can also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets on request. Callan Family Office 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. Callan Family Office also considers each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. Callan Family Office 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. Callan Family Office seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Disclosure Brochure | April 25, 2024 7 Model Delivery For certain investments, Callan FO may utilize a third-party investment manager’s model portfolio (“Model”) to deliver and implement an Independent Manager, Research Provider, or Sub-Adviser’s strategy. Callan FO may utilize a manager’s Model when Callan FO believes that value can be added in terms of lowering overall investment and trading expenses, increasing tax-efficiency of the strategy, or enabling customization and personalization of the strategy, as well as in cases when the manager only offers its strategy through Model Delivery. In implementing a Model, Callan FO will use its discretion to determine the timing and manner of such implementation, and, if appropriate, will take other factors into consideration affecting the management of the underlying Client account. Factors such as capital gain or loss management, client preferences, and systematic tracking-error-based rebalancing may cause the client account to vary from the underlying Model. In addition, account performance and risk measures may vary from the Model and differ from a fully delegated separately managed account that does not account for these client-specific circumstances. These services may be provided directly by Callan FO or by a third-party, and fees can apply. Direct Indexing Passive investment allocations may be implemented in part, or in whole, through Direct Indexing. Direct Indexing involves purchasing a subset of the underlying shares of a reference index with the goal of realizing a return and volatility like the reference index while achieving one or more client specific goals. These client goals may include tax- loss harvesting, customization of the underlying index constituents, factor or style tilts, applying security restrictions, or incorporating an investor’s ESG/SRI criteria. Direct Indexing accounts do not typically own all the securities in a reference index, and therefore will experience tracking error to the underlying index returns. Performance variations could be positive or negative, and volatility could be higher or lower than the index. Factor exposures, realized tax losses, ESG/SRI criteria, and other Direct Index metrics will fluctuate based on market conditions, and outcomes will be unique to each client’s situation and strategy. Direct Index strategies require ongoing trading and rebalancing to maintain alignment between the client account and the reference index, and rebalancing decisions consider one or multiple client goals or restrictions that have been specified for the Direct Index account. Direct Indexing services rely heavily on technological services which may be interrupted by unforeseen forces. These services may be provided directly by Callan FO or by a third-party, and fees can apply. Overlay Services In some circumstances, Callan FO may employ Overlay Services to provide better coordination of investment strategies across the various sub-advisors within a client portfolio or across related portfolios in a client household. Callan FO will use its discretion to determine the extent and approach of such services with the goal to create value through actions such as wash sale avoidance, tax lot management, capital gain deferral, management of loan to value or margin levels, targeting client specified Disclosure Brochure | April 25, 2024 8 total portfolio characteristics (i.e. yield, quality, etc.), options overlay, and management of variance of the portfolio relative to targets or benchmarks. Given the high level of customization required, these services are provided on a best-efforts basis and client acknowledges that performance and general outcomes are unique to their situation. These services may be provided directly by Callan FO or by a third-party, and fees can apply. The nature and extent of the services, including risk and liability exposure, shall be reflected in that fee. To the extent that Callan FO provides Model Delivery, Direct Index, or Overlay Services directly to clients, the firm can charge a fee and earn additional revenue for its services. Callan FO offers these services directly to clients, as opposed to using a third-party solution, when the firm believes it can reduce overall investment expenses, increase tax-efficiency, meet client demand for personalization, provide household-level coordination of investment strategies, or provide other technology capabilities that are not readily available to clients via third-party solutions. In the provision of these services, Callan FO may have an encumbered interest in utilizing a vendor for part of its offering from which there may be a perceived or real economic benefit. Callan FO acts in a fiduciary capacity in its provision of these services and all investment and wealth management services provided to clients.