A. Quantum Financial Advisors, Inc. (the “Registrant”) is a corporation formed in June, 1996 in the state of Delaware. The Registrant became registered as an investment adviser in 1996. The Registrant is owned by Joseph F. Rinaldi who is also the Registrant’s President. B. As discussed below, the Registrant offers investment advisory services and financial planning and related consulting services to the extent specifically requested by a client. INVESTMENT ADVISORY SERVICES Platinum Level Accounts, $5 million -$10 million receive: Daily customized Gain/Loss report & quarterly investment newsletter. Quarterly reviews by phone, teleconferencing or personal meetings. Complimentary mortgage financing advice Complimentary year-end tax assistance with Gain/Loss report. Complimentary family cash flow pro forma. Complimentary quarterly broadcast—Money & Capital Markets Monitor. Personalized online account access with financial & performance reporting. Invitation to roundtable educational "lunch & learn" seminars and/or dining meetings. Prime Brokerage execution with other Broker/Dealers. Preferred Participation in IPOs (to the extent available). Access to the Chief Investment Officer (“CIO”). Such access is limited to times scheduling availability at a mutually convenient time between the CIO and the client. Gold Level Accounts, $1 million-$5 million receive: Daily customized Gain/Loss report & quarterly investment newsletter. Annual reviews by phone, teleconferencing or personal meetings. Complimentary mortgage financing advice Complimentary year-end tax assistance with Gain/Loss report. Complimentary family cash flow pro forma. Complimentary quarterly broadcast—Money & Capital Markets Monitor Personalized online account access with financial & performance reporting. Invitation to roundtable educational "lunch & learn" seminars and/or dinning meetings. Prime Brokerage execution with other Broker/Dealers. Participation in IPOs (to the extent available). Silver Level Account, $500,000 to $1 million receive: Daily customized Gain/Loss report & quarterly investment newsletter. Annual reviews by phone, teleconferencing or personal meetings. Complimentary mortgage financing advice Complimentary year-end tax assistance with Gain/Loss report. Complimentary family cash flow pro forma. Complimentary quarterly broadcast—Money & Capital Markets Monitor. Personalized online account access with full financial & performance reporting. Invitation to roundtable educational "lunch & learn" seminars and/or dinning meetings. Prime Brokerage execution with other Broker/Dealers. Participation in IPOs (to the extent available). Bronze Level Account, $250,000 to $500,000 receive: Daily customized Gain/Loss report & quarterly investment newsletter. Annual reviews by phone or teleconferencing. Complimentary mortgage financing advice Complimentary year-end tax assistance with Gain/Loss report. Complimentary family cash flow pro forma. Complimentary quarterly Broadcast—Money & Capital Markets Monitor. Personalized online account access with full financial & performance reporting. Invitation to roundtable educational "lunch & learn" seminars and/or dinning meetings. Prime Brokerage execution with other Broker/Dealers. Participation in IPOs (to the extent available). Client Accounts<=$250,000 receive: Daily customized Gain/ Loss report & quarterly investment newsletter. Annual reviews by phone or teleconferencing. Complimentary year-end tax assistance with Gain/Loss report. Complimentary quarterly broadcast-—Money & Capital Markets Monitor. Personalized online account access, with full financial & performance reporting. Invitation to educational "lunch & learn" seminars and/or dinning meetings. Superior Prime Broker execution for accounts with greater than or equal to $100,000 in equity value per account. Potential Participation in IPOs (to the extent available). Sub-Advisory Relationships The Registrant serves as a sub-adviser to other investment advisers or their accounts according to the terms and conditions of a written agreement. In those instances, the Registrant maintains discretionary authority for a portion of the assets allocated to it by the other investment adviser. The other investment adviser is responsible for the day-to- day relationship with the client, including determining their initial investment objectives and whether the Registrant’s investment services remain appropriate for the client. The Registrant does not typically have contact with the end-client, but is available to answer questions that the end-client may have about the Registrant’s services. The range of fees associated with these engagements are identified in Item 5 below, but are separately negotiated with each investment adviser. The other investment adviser is responsible for determining the appropriateness of the Registrant’s fees for their clients. FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE) The Registrant may provide financial planning and/or consulting services (including investment and non-investment related matters, including estate planning and insurance planning) on a stand-alone fee basis. Such services include, but are not limited to, cash flow planning, goal setting, retirement planning, insurance planning, and estate planning. Registrant’s planning and consulting fees are negotiable, but generally range from $1,000 to $5,000 on a fixed fee basis, and from $250 to $500 on an hourly rate basis, depending upon the level and scope of the services required and the professionals rendering the services. Prior to engaging the Registrant to provide planning or consulting services, clients are generally required to enter into a Financial Planning and Consulting Agreement setting forth the terms and conditions of the engagement and the fees that a client will pay. If requested by the client, Registrant may recommend the services of other professionals for implementation, including the Registrant’s representative in their capacity as insurance agents. (See disclosure at Item 10 C.). The client is under no obligation to engage the services of any recommended professional. The client retains absolute discretion over all implementation decisions and is free to accept or reject any recommendation from the Registrant. If the client engages any recommended professional, and a dispute arises, the client agrees to seek recourse exclusively from the engaged professional. Nothing in this brochure may be interpreted to limit or modify the investment adviser’s fiduciary duties to its clients and nothing in this brochure shall be deemed a waiver of any right or remedy that a client may have under federal or state securities laws. Federal and state securities laws impose liabilities under certain circumstances on persons who act in good faith. Clients are responsible for promptly notifying the Registrant if there is ever any change in their financial situation or investment objectives so that the Registrant can review, and if necessary, revise its previous recommendations or services. RETIREMENT CONSULTING The Registrant also provides non-discretionary retirement plan consulting services, where it assists sponsors of self-directed retirement plans with the selection and/or monitoring of investment alternatives (generally open-end mutual funds) that plan participants can choose in self-directing the investments for their individual plan retirement accounts. In addition, to the extent requested by the plan sponsor, the Registrant shall also provide participant education designed to assist participants in identifying the appropriate investment strategy for their retirement plan accounts. If the client accounts are part of an employee benefit plan governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), we acknowledge that we are a fiduciary within the meaning of Section 3(21) of ERISA (but only with respect to the provision of investment advice provided to the plan’s sponsor). MISCELLANEOUS Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. As indicated above, to the extent requested by the client, Registrant may provide financial planning and related consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. Registrant does not serve as a law firm or accounting firm, and no portion of its services should be construed as legal or accounting services. Accordingly, Registrant does not prepare estate planning documents or tax returns. To the extent requested by a client, Registrant may recommend the services of other professionals for certain non-investment implementation purposes (i.e., attorneys, accountants, insurance agents). The client is under no obligation to engage the services of any recommended professional. The client retains absolute discretion over all implementation decisions and is free to accept or reject any recommendation from Registrant or its representatives. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter, the client agrees to seek recourse exclusively from and against the engaged professional. Retirement Rollovers. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). The Registrant does not generally provide recommendations on rollovers to clients. Instead, upon request, the Registrant may provide educational materials to the client for the client’s consideration as the client determines whether a rollover is appropriate for their individual situation. No client is under any obligation to roll over retirement plan assets to an account managed by Registrant. Unaffiliated Private Investment Funds. Registrant also provides investment advice regarding private investment funds. Registrant, on a non-discretionary basis, may recommend that certain qualified clients consider an investment in private investment funds, the description of which (the terms, conditions, risks, conflicts and fees, including incentive compensation) is set forth in the fund’s offering documents. Registrant’s role relative to unaffiliated private investment funds shall be limited to its initial and ongoing due diligence and investment monitoring services. If a client determines to become an unaffiliated private fund investor, the amount of assets invested in the fund(s) shall be included as part of “assets under management” for purposes of Registrant calculating its investment advisory fee. Registrant’s fee shall be in addition to the fund’s fees. Registrant’s clients are under absolutely no obligation to consider or make an investment in any private investment fund(s). Risks. Private investment funds generally involve various risk factors, including, but not limited to, potential for complete loss of principal, liquidity constraints and lack of transparency, a complete discussion of which is set forth in each fund’s offering documents, which will be provided to each client for review and consideration. Unlike liquid investments that a client may own, private investment funds do not provide daily liquidity or pricing. Each prospective client investor will be required to complete a Subscription Agreement, pursuant to which the client shall establish that the client is qualified for investment

in the fund, and acknowledges and accepts the various risk factors that are associated with such an investment. Valuation. In the event that Registrant references private investment funds owned by the client on any supplemental account reports prepared by Registrant, the value(s) for all private investment funds owned by the client shall reflect the most recent valuation provided by the fund sponsor. However, if subsequent to purchase, the fund has not provided an updated valuation, the valuation shall reflect the initial purchase price. If subsequent to purchase, the fund provides an updated valuation, then the statement will reflect that updated value. The updated value will continue to be reflected on the report until the fund provides a further updated value. As result of the valuation process, if the valuation reflects initial purchase price or an updated value subsequent to purchase price, the current value(s) of an investor’s fund holding(s) could be significantly more or less than the value reflected on the report. Unless otherwise indicated, Registrant shall calculate its fee based upon the latest value provided by the fund sponsor Interval Funds/Risks and Limitations: Where appropriate, Registrant may utilize interval funds (and other types of securities that could pose additional risks, including lack of liquidity and restrictions on withdrawals). An interval fund is a non-traditional type of closed-end mutual fund that periodically offers to buy back a percentage of outstanding shares from shareholders. Investments in an interval fund involve additional risk, including lack of liquidity and restrictions on withdrawals. During any time periods outside of the specified repurchase offer window(s), investors will be unable to sell their shares of the interval fund. There is no assurance that an investor will be able to tender shares when or in the amount desired. There can also be situations where an interval fund has a limited amount of capacity to repurchase shares and may not be able to fulfill all purchase orders. In addition, the eventual sale price for the interval fund could be less than the interval fund value on the date that the sale was requested. While an internal fund periodically offers to repurchase a portion of its securities, there is no guarantee that investors may sell their shares at any given time or in the desired amount. As interval funds can expose investors to liquidity risk, investors should consider interval fund shares to be an illiquid investment. Typically, the interval funds are not listed on any securities exchange and are not publicly traded. Therefore, there is no secondary market for the fund’s shares. Because these types of investments involve certain additional risk, these funds will only be utilized when consistent with a client’s investment objectives, individual situation, suitability, tolerance for risk and liquidity needs. Investment should be avoided where an investor has a short-term investing horizon and/or cannot bear the loss of some, or all, of the investment. There can be no assurance that an interval fund investment will prove profitable or successful. In light of these enhanced risks, a client may direct Registrant, in writing, not to purchase interval funds for the client’s account. Educational Seminars. The Registrant may provide educational seminars and workshops about general financial planning and investment advisory topics on an infrequent and limited basis. The Registrant does not receive any form of compensation in exchange for this service. Non-Discretionary Service Limitations. Clients that determine to engage the Registrant on a non-discretionary investment advisory basis must be willing to accept that the Registrant cannot affect any account transactions without obtaining the client’s consent. For instance, although the firm does not recommend market timing as an investment strategy, in the event of a market correction event where the firm cannot reach the client, a client may suffer investment losses or miss potential investment gains. Upon request, Registrant may provide advice to clients regarding their employer- sponsored retirement plan accounts on a non-discretionary basis. Registrant does not execute trades on the advice it provides on accounts held away from Schwab. In addition, the Registrant does not maintain client’s login credentials to assist with managing these accounts. Socially Responsible (ESG) Investing Limitations. Socially Responsible Investing involves the incorporation of Environmental, Social and Governance (“ESG”) considerations into the investment due diligence process. ESG investing incorporates a set of criteria/factors used in evaluating potential investments: Environmental (i.e., considers how a company safeguards the environment); Social (i.e., the manner in which a company manages relationships with its employees, customers, and the communities in which it operates); and Governance (i.e., company management considerations). The number of companies that meet an acceptable ESG mandate can be limited when compared to those that do not and could underperform broad market indices. Investors must accept these limitations, including potential for underperformance. Correspondingly, the number of ESG mutual funds and exchange-traded funds are limited when compared to those that do not maintain such a mandate. As with any type of investment (including any investment and/or investment strategies recommended and/or undertaken by Registrant), there can be no assurance that investment in ESG securities or funds will be profitable or prove successful. Registrant does not maintain or advocate an ESG investment strategy but will seek to employ ESG if directed by a client to do so. If implemented, Registrant shall rely upon the assessments undertaken by the unaffiliated mutual fund, exchange traded fund or separate account portfolio manager to determine that the fund’s or portfolio’s underlying company securities meet a socially responsible mandate. Cash Positions. Registrant continues to treat cash as an asset class. As such, unless determined to the contrary by Registrant, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Registrant’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Registrant may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Registrant’s advisory fee could exceed the interest paid by the client’s money market fund. Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion Registrant shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund (or other type security) available on the custodian’s platform, unless Registrant reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. The above does not apply to the cash component maintained within a Registrant actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager and cash balances maintained for fee billing purposes. The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any Registrant unmanaged accounts. Diversification Limitations: The Registrant’s managed portfolios may include concentrated investment positions that could enhance portfolio risk and reward. Accounts managed by the Registrant may not constitute a fully diversified or balanced portfolio that is suitable for investment of all of the client’s assets. Client Obligations. The Registrant will not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely on the information in its possession. Clients are responsible for promptly notifying the Registrant if there is ever any change in their financial situation or investment objectives so that the Registrant can review, and if necessary, revise its previous recommendations or services. Cybersecurity Risk. The information technology systems and networks that Registrant and its third-party service providers use to provide services to Registrant’s clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Registrant’s operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Registrant are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although Registrant has established procedures to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that Registrant does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Disclosure Statement. A copy of the Registrant’s written Brochure as set forth on Part 2 of Form ADV shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Advisory Agreement or Financial Planning and Consulting Agreement. C. The Registrant shall provide investment advisory services specific to the needs of each client. Prior to providing investment advisory services, an investment adviser representative will determine each client’s investment objectives. Thereafter, the Registrant shall allocate and/or recommend that the client allocate investment assets consistent with the designated investment objective(s). The client may, at any time, impose reasonable restrictions, in writing, on the Registrant’s services. D. The Registrant does not participate in a wrap fee program. E. As of March 25, 2024, the Registrant had $102,220,171 in assets under management on a discretionary basis and $40,931,657 in assets under management on a nondiscretionary basis, and in total managed approximately $143,151,828.