Aznar Financial Advisors, LLC (“Aznar Financial Advisors, LLC” or the "firm") provides fee-only financial planning and investment management services to individuals, families, trusts and estates. Services provided by the firm may be general in nature or focused on particular areas of interest or need, depending upon each client's unique circumstances or specific request. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. Aznar Financial Advisors, LLC is located in the state of New Jersey and is registered as an investment adviser with the U.S. Securities and Exchange Commission. Ms. Hards (noted in the accompanying Part 2B) is the only shareholder of the firm. Client Assets Under Management and Advisement As of December 31, 2022, our firm managed $113,605,583 of assets on a discretionary basis. Introductory Review For prospective clients, a complimentary meeting is typically conducted by Marnie B. Hards. This initial meeting may take place in person or over the telephone and is intended to discuss the firm’s services and see whether the firm and the prospective client are a good fit for a relationship. Should the prospective client wish to engage Aznar Financial Advisors, LLC for its services, the prospective client and the firm must enter into a written agreement. Once an engagement has been entered, additional information will be gathered from the client, such as the client’s financial needs, goals, investments, and other important factors. Financial advice or plans provided are based upon the information disclosed by the client or the client’s legal agent and incorporate the client's financial situation at the time the plan is presented. In performing its services, the firm is not required to verify any information received from the client or from the client's agents. Financial Planning and Investment Consultation Services The firm offers financial planning services and investment consultation relating to the various components the client may desire. A financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Aznar Financial Advisors, LLC does not provide specific securities recommendations as part of a financial plan; these services are provided as part of an ongoing investment management and financial planning relationship, which will be discussed later in this section. When financial planning services focus only on certain areas of client interest or need, the client must understand that their overall financial situation or needs may not be fully addressed due to limitations they have established. The client retains absolute discretion over all implementation decisions and is free to accept

or reject any recommendation made by the firm. Further, it remains each client's responsibility to promptly notify Aznar Financial Advisors, LLC if there is a material change in his or her financial situation or investment objectives for the purpose of Aznar Financial Advisors, LLC reviewing, evaluating, or revising the firm's recommendations or services. Aznar Financial Advisors, LLC does not provide accounting, legal or property and casualty insurance advice. With the client's consent, the firm may work with the client's other advisers, (such as accountants and attorneys, etc.) to assist with coordination and implementation of agreed upon strategies. The client should be aware that their other advisers will charge them separately for their services and these fees will be in addition to those of the firm. Engagements involving financial planning and investment consultation services are concluded upon delivery of the requested service; however, the client is encouraged to revisit the firm’s recommendations periodically and is free to engage the firm in the future. Unless the firm is engaged for ongoing services through a written agreement that includes review and updates, it would be the client's responsibility to monitor and review his or her own financial plan and portfolio. Financial Planning and Investment Management Services Aznar Financial Advisors, LLC provides investment supervisory services to its clients through portfolios deemed appropriate to each client's investment objectives and tolerance for risk. These services are provided according to an executed investment management and financial planning agreement between the client and the firm. Many clients choose to have Aznar Financial Advisors, LLC manage their assets under this investment management and financial planning agreement to obtain ongoing advice and planning. Under this type of service agreement, the client should feel encouraged to raise any changes to their financial situation or investment objectives and Aznar Financial Advisors, LLC will remain available to discuss those changes. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for an ongoing investment management and financial planning agreement is provided to the client in writing prior to the start of the relationship. An investment management and financial planning agreement generally includes cash flow management; insurance review; investment management (including performance reporting); education planning; retirement planning; estate planning; and personal tax planning, as well as the implementation of recommendations within each area. The firm will assist the investment management and financial planning client in preparing an investment policy statement (IPS) reflecting the client's investment objectives, time horizon, policy constraints and risk tolerance. The IPS will be designed to be specific enough to provide guidance to the firm while concurrently allowing flexibility to respond to changing market conditions. Since the IPS will to a large extent be a product of information and data provided by the client, the client is responsible for review and final approval of the statement.