TEPLITZ FINANCIAL GROUP LLC (“TFG”) is a limited liability company formed in the state of New Jersey on June 28, 2002. TFG became registered as an Investment Adviser Firm on September 2, 2005 and recently transitioned from a state-registered investment adviser in New Jersey to a federally covered adviser with the SEC in July 2022. TFG is equally owned by Daniel Teplitz with a 50% ownership along with Ari Teplitz with a 50% ownership. Ari also acts as TFG’s CCO. As discussed below, TFG offers to its clients (individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations and business entities) investment advisory services, and, to the extent specifically requested by a client, financial planning and consulting. INVESTMENT ADVISORY SERVICES The client can determine to engage TFG to provide discretionary investment advisory services on a fee-only basis. TFG’s annual investment advisory fee is based upon a percentage (%) of the market value of the assets placed under TFG’s management (between 1.00% and 1.50%) as follows: Market Value of Portfolio % of Assets $0 - $1,000,000 1.0% $1,000,001 - $2,500,000 0.75% $2,500,001 - $5,000,000 0.56% $5,000,001 - $10,000,000 0.42% $10,000,001+ 0.31% TFG's annual investment advisory fee may be discounted at TFG’s discretion and shall include investment advisory services. The fees listed in the above table are a blended tier starting at 1% of the first $1,000,000, then .75% after achieving the next threshold. In the event the client requires extraordinary financial planning (to be determined in the sole discretion of TFG), TFG may determine to charge for such additional services, the dollar amount of which shall be set forth in a separate written notice to the client. FINANCIAL PLANNING AND CONSULTING SERVICES To the extent specifically requested by TFG we may determine to provide financial planning and/or consulting services on a stand-alone separate fee basis. TFG’s financial planning and consulting fees are negotiable, but generally range from a fixed fee of $1,500 to $3,000 and from $150 to $250 on an hourly rate basis, depending upon the level and scope of the service(s) required and the professional(s) rendering the service(s). Prior to engaging TFG to provide financial planning and consulting services, clients are generally required to enter into a Financial Planning and Consulting Agreement with TFG setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to TFG commencing services. If requested by the client, in performing its services, TFG shall not be required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. TFG may recommend the services of itself, its Advisory Affiliates in their individual capacities as registered representatives of a broker-dealer, and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if TFG recommends its own services. The client is under no obligation to act upon any of the recommendations made by TFG under a financial planning/consulting engagement and/or engage the services of any such recommended professional, including TFG itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of TFG’s recommendations. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from TFG. Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Please Also Note: It remains the client’s responsibility to promptly notify TFG if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising TFG’s previous recommendations and/or services. SUB-ADVISORY ARRANGEMENTS TFG may engage sub-advisors for the purpose of assisting it with the management of its client accounts. The sub-advisor(s) shall have discretionary authority for the day-to-day management of the assets that are allocated to it by TFG. The sub-advisor shall continue in such capacity until such arrangement is terminated or modified by TFG. Currently, TFG may recommend the investment management services of SEI Private Trust Company (“SEI”), TD Ameritrade Institutional (“TDAI”) and AssetMark. The terms and conditions under which the client shall engage the Independent Manager(s) shall be set forth in separate written agreements between (1) the client and TFG and (2) the client and the designated Independent Manager(s) and/or wrap fee program sponsor. TFG shall continue to render advisory services to the client relative to the ongoing monitoring and review of account performance, for which TFG shall receive an annual advisory fee which is based upon a percentage of the market value of the assets being managed by the designated Independent Manager(s). Factors that TFG shall consider in recommending Independent Manager(s) include the client’s stated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fees charged by the designated Independent Manager(s),

together with the fees charged by the wrap fee program sponsor and corresponding designated broker-dealer/custodian of the client’s assets, may be exclusive of, and in addition to, TFG’s investment advisory fee set forth above. As discussed above, the client may incur additional fees than those charged by TFG, the designated Independent Manager(s), wrap fee program sponsor (if applicable), and corresponding broker- dealer and custodian. Certain Independent Manager(s) may impose more restrictive account requirements and varying billing practices than TFG. In such instances, TFG may alter its corresponding account requirements and/or billing practices to accommodate those of the Independent Manager(s) or wrap fee program sponsor. If TFG refers a client to certain Independent Manager(s) where TFG’s compensation is included in the advisory fee charged by such Independent Manager(s) and the client engages those Independent Manager(s), TFG shall be compensated for its services by receipt of a fee to be paid directly by the Independent Manager(s) to TFG in accordance with the requirements of Rule 206(4)-3 of the Investment Advisers Act of 1940, as amended, and any corresponding state securities laws, rules, regulations, or requirements, but not to exceed an aggregate amount of 3%. TFG’s Chief Compliance Officer, Ari Teplitz, remains available to address any questions concerning TFG’s sub-advisory arrangements. CUSTODIANS TFG may contract with other firms for administrative services in carrying out its duties under the Asset Management Agreement, including trade processing at the direction of TFG, collection of management fees, record maintenance and report preparation, and Client agrees to execute a limited power of attorney in favor of such firms as required for them to carry out those services. TFG intends to use SEI, TDAI and AssetMark for such services, plus research and marketing assistance. Client acknowledges that SEI, TDAI and AssetMark act only as a provider of administrative services to TFG and TFG is responsible to client for all investment advice provided pursuant to the Investment Advisory Agreement. No additional fee is paid by TFG to SEI, TDAI or AssetMark. DISCLOSURE STATEMENT A copy of TFG’s written Brochure as set forth in this Part 2A of Form ADV shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Management Agreement or Financial Planning and Consulting Agreement. Any client who has not received a copy of TFG’s written Brochure at least 48 hours prior to executing the Investment Management Agreement or Financial Planning and Consulting Agreement shall have five (5) business days after executing the agreement to terminate TFG’s services without penalty. TFG shall provide investment advisory services specific to the needs of each client. Prior to providing investment advisory services, an investment adviser representative will ascertain each client’s investment objective(s). Thereafter, TFG 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 TFG’s services. TFG currently has sub-advisor arrangements with AssetMark Investment Management. AssetMark Investment Management: AssetMark acts in a sub-advisory capacity for TFG client accounts. An advisory agreement with TFG will be retained to allow AssetMark to act in a sub- advisory capacity. TFG will direct AssetMark to manage the account according to specified guidelines. AssetMark allocates portfolios among individual securities and/or fixed income and retail mutual funds and ETFs through allocations discussed with TFG. Fund groups and ETF sponsors, if used, are compensated by expense ratio. Under this sub-advisory arrangement AssetMark may have limited contact with clients and will manage accounts according to the instructions of TFG who has retained AssetMark to act in a sub-advisory capacity. The advisory fees received by AssetMark will be determined by the agreement entered between TFG and AssetMark. Financial Planning: TFG IARs can provide comprehensive, individualized financial planning services to clients, either on an hourly or fixed fee basis. The Financial Plan may be for a portion of the overall financial needs of the client or a completed comprehensive plan of the client's entire needs which may include analysis of investable assets, college planning, retirement planning as well as insurance needs. Analysis is based on the goals of the Client which is gathered in meetings with the IAR. All advisory services are required to be tailored to the individual needs of the Client. IARs will determine and gather necessary data during client meetings. Such data may include: client's current financial situation, client's personal goals and objectives, tolerance for risk and investment style of the client. This information can be gathered in various forms, including conversations between the Client and IAR, and/or the Client completing questionnaires to assess tolerance of investment risk, or other questionnaires when appropriate. Clients may impose restrictions on specific securities or types of securities. IARs will honor this restriction by documenting the file. Clients should communicate the request for restriction to the IAR. As of December 31, 2022, TFG had $91,708,090 in assets under management on a discretionary basis and $10,892,992 in assets under management on a non-discretionary basis for a total of $102,601,082 in assets under management.