Murray Financial Services (“MFS”) is a SEC-registered investment adviser with its principal place of business located in California. Murray Financial Services began conducting business in 2015. Kevin Ian Murray, is Murray Financial Services’ sole owner. Murray Financial Services offers the following advisory services to our clients: Discretionary Portfolio Management Murray Financial Services provide continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client’s particular circumstances are established, we develop a client’s personal investment policy and create and manage a portfolio based on that policy. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, liquidity need as well as tax considerations. As appropriate, we also review and discuss a client's prior investment history, as well as family composition and background. We manage these advisory accounts on a discretionary basis. Account supervision is guided by the client's stated objectives and risk tolerances; including the following: - Aggressive growth - Growth - Growth with income - Conservative growth - Conservative - Capital preservation Securities used by MFS are, primarily, but not exclusively, limited to Dimensional Fund’s mutual funds. If appropriate and requested by a Client, MFS may use other types of securities available for purchase. The following securities may be included in the mutual funds used for Client accounts or they may be used on an individual basis when MFS determines that the use of individual securities is appropriate:
• Exchange-listed securities, including ETFs (exchange traded funds)
• Securities traded over-the-counter
• Corporate debt securities (other than commercial paper)
• Certificates of Deposit
• United States governmental securities Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity, and suitability. We provide an additional service for accounts not directly held at custodians we recommend and to which we do not have direct access (“Held Away Accounts”). , but where we do have discretion, and may leverage an Order Management System to implement tax-efficient asset location and opportunistic rebalancing strategies on behalf of the client. The Held Away Accounts are primarily, but not exclusively, 401(k) accounts, Health Savings Account’s, and other such accounts. We regularly review the available investment options in these Held Away Accounts, monitor them, and rebalance and implement our 5 | P a g e strategies in the same way we do other accounts, though using different tools as necessary. This service does not create an additional cost for the client, and is billed in accordance with our standard fee schedule. The fee relating to any Order Management System used in connection with servicing Held Away Accounts is paid by Murray Financial Services.. Financial Planning We provide financial planning services. Financial planning is a comprehensive evaluation of a client’s current and future financial

state by using currently known variables to predict future cash flows, asset values, and withdrawal plans. Through the financial planning process, all questions, information, and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service receive a written report which provides the client with a detailed financial plan designed to assist the client achieve his or her financial goals and objectives. We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, return objectives, and attitudes towards risk. We carefully review documents supplied by the client which may include a questionnaire completed by the client and prepare a written report. Should the client choose to implement the recommendations contained in the plan, we suggest the client work closely with his/her attorney, accountant, insurance agent, and/or other financial adviser. Implementation of financial plan recommendations is entirely at the client's discretion. We also provide general non-securities advice on topics that may include tax and budgetary planning, estate planning and business planning. Typically, the financial plan is presented to the client within six months of the contract date, if all information needed to prepare the financial plan has been promptly provided. Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. Limited Planning – Consulting Clients can also receive investment advice on a more focused basis. This may include advice on only an isolated area(s) of concern, such as estate planning, retirement planning, or any other specific topic. We also provide specific consultation and administrative services regarding investment and financial concerns of the client. Consulting recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. Pension Consulting Services MFS offers consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: o identifying investment objectives and restrictions o providing guidance on various assets classes and investment options o recommending mutual funds to utilize plan assets in ways designed to achieve objectives o monitoring performance of mutual funds and other investment options and making recommendations for changes 6 | P a g e o recommending other service providers, such as custodians and administrators These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Assets under Management Discretionary assets under management as of December 2023 are: $ 117,265,467.00 Non-discretionary assets under management as of December 2023 are: $ 1,153,088.00 You are under no obligation to act upon MFS’ financial planning recommendations. You are free to select any broker, dealer, RR, insurance agent you wish to implement planning recommendations received from MFS.