A. Description of the Advisory Firm B. Types of Advisory Services Financial Planning Financial plans and financial planning may include but are not limited to investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Educational Seminars/Workshops Capstar Financial provides periodic educational seminars and workshops to current clients and prospective clients. Selection of Third-Party Money Managers Our firm evaluates a variety of information about Third-Party Money Managers, which includes the Third-Party Money Managers’ public disclosure documents, materials supplied by the Third-Party Money Managers themselves, and other third-party analyses it believes are reputable. To the extent possible, the firm seeks to assess the Third-Party Money Managers’ investment strategies, past performance, and risk results in relation to its clients’ individual portfolio allocations and risk exposure. Our firm also takes into consideration each Third-Party Money Manager’s management style, returns, reputation, financial strength, reporting, pricing, and research capabilities, among other factors. Our firm continues to provide services relative to the discretionary or non-discretionary selection of the Third-Party Money Managers. On an ongoing basis, the firm monitors the performance of those accounts being managed by Third-Party Money Managers. Our firm seeks to ensure the Third-Party Money Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Services Limited to Specific Types of Investments Capstar Financial generally limits its investment advice to common stock, mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/ inflation linked bonds, non-U.S. securities and private placements. Capstar Financial may use other securities as well to help diversify a portfolio when applicable. Capstar Financial will tailor a program for each individual client. This will include an interview session to get to know the client's specific needs and requirements as well as a plan that will be executed by Capstar Financial on behalf of the client. Capstar Financial can use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent Capstar Financial from properly servicing the client account, or if the restrictions would require

Capstar Financial to deviate from its standard suite of services, Capstar Financial reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. Capstar Financial does not participate in wrap fee programs. D. Wrap Fee Programs E. Assets Under Management Capstar Financial has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $148,053,812 $169,675 December 2023 Portfolio Management fees Total Assets Under Management Annual Fees $0.00 - $250,000 Up to 2.00% $250,000 — and up Up to 1.75% The advisory fee is calculated using the value of the assets in the Account on the last business day of the prior billing period. Fees are billed quarterly upfront. If a client starts investing in the middle of a billing cycle the fees will be pro-rated. These fees are generally negotiable, and the final fee schedule will be memorialized in the client's advisory agreement. If a client has multiple accounts, Capstar Financial will aggregate the account balances to lower the fees. Clients may terminate the agreement without penalty for a full refund of Capstar Financials' fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract immediately upon written notice, and the fees will be pro- rated. Financial Planning fees Fixed Fees The negotiated fixed rate for creating client financial plans is between $500 and $5,000. Clients may terminate the agreement without penalty, for full refund of Capstar Financials' fees, within five business days of signing the Financial Planning Agreement. Thereafter, clients may terminate the Financial Planning Agreement generally upon written notice. Educational Seminar/Workshop fees Capstar Financial will charge no fee for a retirement elevated course. Selection of Other Advisers Fees In addition to the advisory fees paid to Capstar, clients also incur certain charges imposed by other third parties, such as broker-dealers, custodians, trust companies, banks, and other financial institutions (collectively “Financial Institutions”). These additional charges include securities brokerage commissions, transaction fees, custodial fees, margin costs, fees attributable to alternative assets utilized by the Third- Party Money Managers, reporting charges, fees charged by the Third-Party Money Managers, charges imposed directly by a mutual fund or ETF in a client’s account, as disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot differentials, transfer taxes, wire transfer