NorthAvenue LLC (“NorthAvenue” or “Firm”) is a fee-only firm founded by Kristen Moosmiller in April of 2018. Ms. Moosmiller is the firm’s managing member and sole principal owner. NorthAvenue offers financial planning and investment management services. Clients can engage the Firm to provide both financial planning and investment management services as part of an on-going, fixed fee engagement (“Inclusive Engagement”) or stand-alone financial planning services through a one-time fixed fee engagement (“Financial Tune-Up Engagement”). Prior to NorthAvenue rendering services, clients will enter into a written agreement with NorthAvenue that sets forth the relevant terms and conditions of the advisory relationship. When NorthAvenue provides investment advice to Clients regarding a retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way NorthAvenue makes money creates some conflicts with your interests, so we operate under a special rule that requires NorthAvenue to act in your best interest and not put our interests ahead of yours. Financial Planning Services NorthAvenue offers clients a broad range of financial planning services through its Inclusive Engagements and Financial Tune-Up Engagements. These services include any or all of the following functions: o Cash Flow Forecasting o Trust and Estate Planning o Financial Reporting o Education Planning o Student Loan Analysis o Goal Setting o Family and Generational Planning o Insurance Planning o Retirement Planning o Tax Planning and Preparation Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by NorthAvenue. 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 the NorthAvenue recommendations and/or services. Investment Management Services In addition to Financial Planning services described above, the NorthAvenue Inclusive Engagements include recommendations to clients for the allocation of assets among various no-load mutual funds (i.e., funds that have no upfront or backend sales fees) and exchange-traded funds (“ETFs”), U.S. Government bonds, U.S. Government Agency bonds, and certificates of deposit 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. In addition, clients can engage NorthAvenue 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, NorthAvenue 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. NorthAvenue tailors its investment management services to meet

the needs of its individual clients and their objectives and seeks to ensure that its recommendations are consistent with those needs and objectives. NorthAvenue meets with clients on an initial and periodic basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the Firm’s advice with respect to clients’ portfolios. Clients are advised promptly to notify NorthAvenue if there are changes in their financial situation in between scheduled meetings. Clients can impose reasonable restrictions or mandates on the Firm’s recommendations if NorthAvenue determines, in its sole discretion, the conditions would not materially impact the performance of an investment strategy or prove overly burdensome to the Firm’s consulting efforts. Use of Independent Managers For investment management services, we may use an unaffiliated independent investment manager to manage all or a portion of a clients’ investment account(s). NorthAvenue has entered into an arrangement with Asset Dedication, LLC (“Asset Dedication”), an independent registered investment adviser not affiliated with NorthAvenue for investment management services to clients’ accounts. Through this arrangement NorthAvenue may recommend and use Asset Dedication’s investment strategies and services for its clients’ accounts, when appropriate, based on each client’s individual needs. NorthAvenue will perform initial and ongoing oversight and due diligence over the selected independent manager[s] to ensure the managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. NorthAvenue is responsible for determining a suitable investment strategy and portfolio for the client’s investment needs and goals with Asset Dedication. NorthAvenue is available to answer questions that the clients may have regarding their account. Asset Dedication will have discretionary authority to determine the securities to be purchased and sold for the client’s accounts managed by Asset Dedication according to the investment strategy selected by NorthAvenue. Asset Dedication also provides operational support to NorthAvenue for the delivery of and reporting of portfolio management services. NorthAvenue implements transactions on behalf of clients in their accounts held at Charles Schwab & Co., to the extent clients authorize it to do so (i.e. through the Advisory Agreement or other grant of limited power of attorney) using discretionary authority. Meaning, NorthAvenue will direct, in our sole discretion, and without first contacting you, the investment and reinvestment of the assets in your account in stocks, bonds, mutual funds, exchange traded funds and other securities as well as in cash or cash equivalents. In the sole discretion of NorthAvenue, its investment management services may also be provided on a non-discretionary basis. Meaning NorthAvenue will only conduct trades in a client’s account after having received their consent. Clients who utilize the custody, brokerage and clearing services of other Financial Institutions (as defined below) are responsible for implementing transactions recommended by the Firm for their own accounts. NorthAvenue does not participate in wrap fee programs. Assets Under Management As of December 31, 2023, NorthAvenue managed $140,582,540 in assets on a discretionary basis.