Prism Planning Partners is an Illinois limited liability company owned by Ron Bernstein, Nicole Sullivan, and Daniel Peters, and has been providing advisory services since 2018. As of December 31, 2023, Prism managed $163,913,102 all on a discretionary basis. Prism Planning Partners offers a variety of investment advisory services to our clients with discretionary authority. Prism Planning Partners’ services include investment management, financial planning and consulting services. Prior to providing advisory services, clients are required to enter into a written agreement with Prism Planning Partners. Investment Management Services Prism manages investment portfolios for individuals, trusts, charitable organizations, businesses and qualified retirement plans. Prism will work with a client to determine the client's investment objectives and investor risk profile and will design a written investment policy statement. Prism uses investment and portfolio allocation software to evaluate alternative portfolio designs. Prism evaluates the client's existing investments with respect to the client's investment policy statement. Prism works with new clients to develop a plan to transition from the client's existing portfolio to the portfolio recommended by Prism. Prism will then continuously monitor the client's portfolio holdings and the overall asset allocation strategy and hold review meetings with the client regarding the account as necessary. Prism will typically create a portfolio of no-load mutual funds and may use model portfolios if the models match the client's investment policy. Prism will allocate the client's assets among various investments taking into consideration the overall management style selected by the client. Prism primarily recommends portfolios consisting of passively managed asset class and index mutual funds. Prism primarily recommends mutual funds that follow a passive asset class investment philosophy with low holdings turnover. Client portfolios may also include some individual equity securities in situations where disposition of these securities would present an overriding tax implication or the client specifically requests they be retained for a personal reason. These situations will be specifically identified in the client’s Investment Policy Statement (“IPS”). Prism manages mutual fund and equity portfolios on a discretionary or non-discretionary basis according to the investment policy selected by the client. A client may impose any reasonable restrictions on Prism’s discretionary authority, including restrictions on the types of securities in which Prism may invest client’s assets and on specific securities, which the client may believe to be appropriate. Prism has retained Buckingham Strategic Partners (“BSP”) to act as a discretionary sub-advisor. BSP shall provide various model asset allocation portfolios (each a “Portfolio”, collectively “Portfolios”) for selection by Prism. Each Portfolio strives to achieve long-term risk and return objectives through diversification among multiple asset classes using investment options available to BSP, which may include, but are not limited to, mutual funds and/or exchange traded funds from Dimensional Fund Advisors LP, Bridgeway Capital Management, Inc., AQR Capital Management, LLC, The Vanguard Group, Inc., Stoneridge Asset Management, LLC or other providers selected by Buckingham Strategic Partners. Each Portfolio is designed to meet a particular investment goal which Prism has determined is suitable based on the client's circumstances. Once the appropriate Portfolio(s) has been determined, the Portfolio will continuously be managed based on the portfolio’s goal and BSP will have the discretionary authority to manage the Portfolio(s), including periodically rebalancing. However, Prism, on behalf of its client, will have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Should material life events occur, clients should immediately contact Prism to determine if changes to an account and the allocation of the assets held in the account are necessary. On an ongoing basis, Prism will answer clients’ inquiries regarding their accounts and review periodically with clients the performance of their accounts. Prism will periodically, and at least annually, review clients’ investment policy and discuss the re-balancing of each client's accounts to the extent appropriate. Prism will provide to investment manager any updated client financial information or account restrictions necessary for investment manager to provide sub-advisory services. In addition to managing the client’s investment portfolio, Prism may consult with clients on various financial areas including income and estate tax planning, business sale structures, college financial planning, retirement planning, insurance analysis, personal cash flow analysis, establishment and design of retirement plans and trust designs, among other things. Prism does not participate in or sponsor any wrap fee programs. Financial Planning Services Prism offers a broad range of financial planning and consulting services for our clients. Planning services can be provided on a stand-alone basis, or in conjunction with our investment management services. Financial Planning includes, in all or part, but is not limited to, the preparation of a financial plan which may include reviews and recommendations on any or all of the following areas depending on the Client’s circumstances:
• Investment Planning
• Investment Policy Statements
• Portfolio Review and Evaluation
• Budgeting and Cash Flow Planning
• Debt Management
• Capital Needs Analysis (Goal Funding)
• Insurance Analysis
• Employee Benefits
• Tax Management & Planning
• Trust and Estate Planning
• Charitable Giving
• Social Security
• Retirement Planning Financial planning services can vary and is customized depending on each client’s complexity and circumstances. The financial planning services will be defined and agreed upon by both parties in advance. For example, a client not using Prism’s investment management services may request a comprehensive financial plan, or certain components of our planning services. The amount of time it takes to provide each of the financial planning services will depend on the client’s unique circumstances and will vary from client to client. Our services are customized based on what a client may request. In addition, the amount of time it takes to provide these services is dependent on the quality and scope of the information that is

provided by the client to the advisor. Prism Planning Partners’ financial planning service follows the process and average timeframe below: 1) Establish/define relationship with client (4 hours) – This includes meeting with clients to discuss Prism’s service offerings. We will also spend time learning about the Client’s situation, goals, objectives, attitudes and values and overall satisfaction with the Client’s current financial situation. 2) Data gathering (3 hours) – Prism will work with the Client to collect necessary data regarding multiple aspects of a Client’s financial situation and, where applicable, confer with outside financial professionals with whom the Client may be working. 3) Analyze Client situation and develop initial recommendations (8-12 hours) a. Budgeting and Cash Flow Planning – We will review income and expenses. Prism may provide suggestions for expense reductions in certain situations. We will also address any concerns the Client may have currently or that we may foresee occurring in the future. b. Portfolio review and evaluation – We ensure investment accounts are properly diversified, in line with stated goals and objectives, and risk assumed is in line with client’s objectives and comfort level. We review fees to verify fees being charged are not excessive. We ensure tax sensitivity is accounted for (where applicable). We will review stock options (where applicable). We may make recommendations to rebalance employer sponsored retirement programs (where applicable). c. Insurance analysis – We will review insurance policies in force, including life, disability, property and casualty, and long-term care. While we do not sell or recommend specific insurance products to purchase, we will perform a cost/benefit analysis. We will also perform an insurance needs analysis. d. Employee benefits review – We review the Client’s benefits package to ensure Clients are taking full advantage of offerings available. e. Tax management – We will review the last 5 years of tax returns. We perform analysis to ensure the Client’s tax situation is being optimally managed both currently and in retirement. We conduct analysis to coordinate tax efficient withdrawal strategies in retirement. We do not prepare taxes and will coordinate with client’s CPA. f. Estate plan review – We review documents currently in place and make recommendations for the to complete or revise missing or outdated documents in with their legal professional. g. Charitable giving – In cases where the Client has charitable intentions, we will review and provide charitable planning strategies. We will work with the Client’s legal professionals and/or CPA to implement the strategies the client elects to adopt. h. Social Security analysis – We analyze the optimal time for each spouse to begin benefits, in coordination with other retirement income sources. i. Pension/Annuity analysis (if applicable) – We help determine the appropriate timing to begin receiving withdrawals, and appropriate method for taking withdrawals. j. Retirement Planning – We determine a tax efficient withdrawal sequence. We review the feasibility of Roth IRA conversions. k. Scenario development – We stress test the Client’s situation against unfortunate events (for example, a long-term care need, increase in expenses, increase in inflation). 4) Initial recommendation presentation (4 hours) a. We present our initial findings to the Client and discuss the findings. b. We prepare custom scenarios a client may request (for example, wanting to retire early or purchase a vacation home) 5) Implementation of Financial Planning Recommendations (5 hours) a. We work with clients to prioritize recommendations and put the recommendations into place. This may involve making a recommendation to an outside financial professional such as an attorney, accountant, or insurance agent. b. We will meet with the outside financial professional along with the Client if a more advanced strategy is being contemplated (such as substantial gifting). c. We may consult on cash flow – assist with implementation of expense monitoring suggestions (if applicable). 6) Monitor and Review a. Monitor cash flow – income, expenses, and spending if requested by the Client. b. Provide an annual review of tax returns and update Client information. We discuss any questions we may have regarding their tax situation. c. Provide investment account monitoring/rebalancing/suggestions for tax efficiency, d. Consult when new financial situations arise. This may include new investment opportunities; new major purchases; changes to insurance; modifications to estate plan; or new desires for gifting. e. We will meet with clients at least semi-annually for 1 hour at a time, and spend 1-2 hours doing pre/post meeting work. Clients are free to decline any offer of financial planning services. Should a client choose to implement the recommendations in the plan, Prism suggests the client work closely with his/her attorney, accountant or insurance agent. Implementation of financial plan recommendations is entirely at the client’s discretion. Clients are encouraged to review their plan on a regular basis, especially if there are any changes in their financial situation, goals, needs, or investment objectives. In certain circumstances, as agreed to between the Client and Prism, these financial planning services may be scaled back to match the Client’s needs. These services are outlined in the Client’s financial planning agreement. Consulting Services Prism provides a wide array of customized consulting services which may vary greatly in depth and scope and may be offered in a variety of different situations or circumstances that relate to your financial picture. We may consult with you regarding topics that are not covered under our general financial planning services or may not rise to the level of financial planning in the extent of data-gathering and breadth and depth of recommendations. We may consult on such items as a real estate purchase, a sale analysis or review of a financial account. The scope and cost of our consulting services are defined in writing prior to the engagement, and will depend on the complexity of the situation. Consulting services will be offered to any client who the advisor deems to have circumstances that could be aided by our consulting services. Some factors in this determination may be the advisor’s experience and level of expertise with the situation. Clients are free to decline any offer of consulting services.