Financial Planning Services (“The Adviser”) is a State Registered Investment Adviser. The Adviser offers financial planning and/or investment advisory services to its Clients. Such services are offered through its Investment Adviser Representatives (“Adviser Representatives”). Separate and apart from their registration as Adviser Representatives of the Adviser, the Adviser Representatives are also Registered Representatives of Osaic WealthOsaic Wealth, Inc., (“Osaic Wealth”), a SEC registered broker/dealer and investment adviser. Osaic Wealth is also a member of the Financial Industry Regulatory Authority (‘FINRA”) and various other regulatory bodies. Osaic Wealth does not provide any investment advisory services in conjunction with or as part of the financial planning and/or investment advisory services provided by the Adviser. The Adviser has been a registered investment advisor since 1983 and as of 12/2022 manages $3,916,854.00 of assets on a non-discretionary basis and $94,391,712.00 of assets on a discretionary basis. During 2020, ownership of the Adviser transitioned from Kenneth P. Schmidt to Jacob A. Schmidt. DESCRIPTION OF SERVICES PROVIDED Financial Planning Services The Adviser, through its Adviser Representatives, will typically provide a variety of financial planning services to individuals or families regarding the management of their financial resources, based upon an analysis of client’s needs. Generally, such financial planning services will involve preparing a financial program for clients based on the client’s financial circumstances and objectives. This information normally would cover present and anticipated assets and liabilities, including insurance, savings, investments, and anticipated retirement or other employee benefits. The program developed for the clients will usually include recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients establish an individual retirement account, increase or decrease funds held in savings accounts, invest funds in securities, or obtain insurance or revise existing coverage. The Adviser Representatives may develop tax or estate plans for clients and/or refer clients to an accountant or attorney, for further related planning. The Adviser Representatives may also create a cash flow analysis or work with and advise the clients as to the rearrangement of cash flow in order to fund certain long term objectives such as buying a house, planning for college, retirement, etc. Portfolio Monitoring and Performance Appraisal The Adviser will emphasize periodic personal client contact and interaction rather than continuous and regular account supervision. The Adviser Representatives will work with clients to identify their investment goals and objectives as well as risk tolerance in order to create an initial portfolio allocation designed to complement their clients’ educational, home ownership and retirement funding goals and objectives etc. The Adviser Representatives will create a portfolio, consisting of one or more of the following: individual stocks or bonds; no-load funds, (funds with no front-end or deferred sales charges and whose total charges against net assets for sales related expenses and/or services do not exceed .25%); load-waived funds (front-end commissions will not be charged); front-end load fee exclusion (advisory fees will not be charged for a period of two years from the date the sales charge was earned) for mutual funds bought prior to engaging the Adviser’s services; and/or front-end load mutual funds. Such portfolios may also consist of variable life and/or variable annuity sub-accounts, which the Adviser’s Representatives may have already sold to their clients on a full commission basis, in their

capacity as Registered Representatives of Osaic Wealth. Investment strategy will focus primarily on a long term buy and hold approach as opposed to short-term trading. Each portfolio will be initially designed to meet a particular investment goal, which the Adviser has determined to be fitting to the client’s circumstances. Once the appropriate portfolio has been determined, the Adviser will review the portfolio periodically, based on a time table agreed to by the client, and if necessary, rebalance such portfolio, based upon the client’s individual needs, stated goals and objectives. However, each client will have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. The Adviser’s strategy, generally, will be to seek to meet client investment objectives while providing clients with access to the personal advisory services of its Adviser Representatives on at least an annual basis, or more often, depending upon prior agreement between each Adviser Representative and clients. The Adviser Representatives will not attempt to manage short-term market fluctuations with active trading (market-timing/ allocation etc.). However, the adviser may reallocate the portfolio as necessitated by large-scale, macroeconomic changes in the securities markets. Asset Allocation Services For External Pension, Profit Sharing, 401k and 403b Plan Assets As part of a financial planning analysis and engagement, the Adviser and its Adviser Representatives will assist clients in determining their investment goals and objectives partly based on risk tolerance and retirement plan time horizons. The Adviser will then recommend an initial asset allocation. However, when such assets are held outside of the control of Osaic Wealth and the Adviser, the clients will be responsible for accepting and implementing the Adviser’s recommendations. Further, the Adviser will neither provide Continuous Supervisory or Portfolio Monitoring services for such accounts nor receive ongoing, asset-based compensation. However, clients will be able to engage the Adviser Representatives to conduct a review of such accounts as part of the Financial Plan provided by the Adviser to the client. Wealth Management Platform – Advisor Managed Portfolios Program We offer the Vision2020 Wealth Management Program (“WMP”) which provides comprehensive investment management of a client’s assets through the application of asset allocation planning software as well as the provision of execution, clearing and custodial services through Pershing, LLC (“Pershing”). The Advisor Managed Portfolios program provides risk tolerance assessment, efficient frontier plotting, fund profiling and performance data, and portfolio optimization and re-balancing tools. Utilizing these tools, and based on the client’s responses to a risk tolerance questionnaire (“Questionnaire”) and discussions that we have together regarding, among other things, investment objective, risk tolerance, investment time horizon, account restrictions, and overall financial situation, we construct a portfolio of investments for our clients. This portfolio may consist of mutual funds, exchange traded funds, equities, options, debt securities, variable life, and/or variable annuity sub-accounts (certain restrictions may apply) or other investments. Each portfolio is designed to meet the client’s individual needs, stated goals and objectives. Additionally, the client has the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. For further WMP details please see the WMP Program Brochure. We provide this brochure to the client prior to or concurrent with enrollment in WMP. Please read it thoroughly before investing.