A. Firm Information J.M. Bruderman & Company, LLC d/b/a Bruderman Private Wealth ("Bruderman”, the "Firm," "We," "Us," or "Our") was organized as a New York limited liability company in August 2022. The Firm is an investment adviser registered with the Securities and Exchange Commission ("SEC") with its principal office and place of business in New York. Mr. James M. Bruderman, President, is majority owner and sole manager of the firm. The Firm specializes in servicing high-net-worth individuals and families. We aim to create and deliver customized investment strategies aligned with our Client's vision and aspirations. We take a holistic approach to financial planning and investing where We consider current and future cash needs to ensure that our Client's lifestyle requirements are met. We focus on the Client as a whole, not just the portion of a client's investable assets. Bruderman delivers tailored holistic solutions for ultra-high net worth individuals and families. Our processes are designed to optimize these financial disciplines and deliver a personalized wealth management experience to each Client. B. Description of Services Portfolio Management Services We offer discretionary portfolio management services to our clients. Discretionary portfolio management means We will make investment decisions and place buy or sell orders in your account without contacting you first. These decisions would be made based on your stated investment objectives. To this end, clients grant Us a limited Power of Attorney with discretionary trading authority over all Client accounts to buy, sell, or rebalance client portfolios. Under limited circumstances, We may offer non-discretionary portfolio management. Non- discretionary portfolio management service means We must obtain your approval before making purchases, selling, or rebalancing client portfolios. Our investment advice is tailored to meet our Client's needs and objectives. If you decide to retain Bruderman to manage your portfolio, We will meet with you to gather your financial information, determine your goals, and decide how much risk you should take in your investments. The information We collect will assist Us with implementing an asset allocation strategy that will be specific to your goals, whether We are actively investing for you or simply providing you with advice. Bruderman also deploys various managed account programs as part of its portfolio management process utilizing exchange-traded funds, mutual funds, equity securities, corporate debt securities, municipal securities, and U.S. government securities. We may also recommend private placements, hedge funds, and private equity funds if and when appropriate. We monitor client portfolios' performance continuously and rebalance portfolios whenever necessary, as changes occur in market conditions, your financial circumstances, or both. Managed Account Program. The Managed Account Program seeks to invest client funds in diversified portfolios comprising a range of internally and externally managed strategies. Portfolios are constructed according to each Client's needs and consider a client's financial planning goals, risk tolerance, and return objective. The Managed Account Program may invest in the strategies described and other investment strategies depending on the Client's goals, needs, and wishes. Clients should note that the Managed Account Programs have various minimum account and minimum fee requirements, some of which may be waived at the discretion of Bruderman. We may group certain related client accounts ("householding") for the purposes of achieving the minimum account size and determining the annualized Fee. Nevertheless, from time to time, our minimum separate account size may require that the Firm decline to accept particularly small accounts or move the funds into a program in which the funds would satisfy the minimum account and Fee requirements. The following represent Managed Account Programs that deploy specific "model" strategies generally utilized to invest client assets. Bruderman may also structure other Managed Account Programs tailored to the Client's investment objectives. Bruderman Select Equities Program Strategies Select Dividend Strategy. The Select Dividend Strategy seeks to achieve current income and long-term capital appreciation by investing in a diversified high conviction portfolio of dividend- paying stocks. Stock selection is driven by fundamental research focused on valuation, financial strength, and management quality. The selection universe consists of U.S. and non-U.S. domiciled large-cap companies, and the strategy targets low turnover. The Dividend Strategy typically invests in a portfolio of 20-30 large-capitalization companies and no more than 30% of assets in any sector. Select Growth Strategy.

The Select Growth Strategy seeks to achieve long-term capital appreciation by investing in a diversified high conviction portfolio of stocks exhibiting high revenue earnings or cash flow growth. Stock selection is driven by fundamental research focused on valuation, financial strength, and management quality. The selection universe consists of U.S. and non-U.S. domiciled large-cap companies, and the strategy targets low turnover. The Growth strategy typically invests in a portfolio of 20-30 large-capitalization companies and no more than 30% of assets in any sector. Select Small Cap Strategy. The Select Small Cap Strategy seeks long-term capital appreciation by investing in a diversified high conviction portfolio of stocks exhibiting attractive valuation, financial strength, and management quality characteristics. The selection universe consists of companies with market capitalizations below $10 billion. The strategy typically invests in a portfolio of 20-40 small-capitalization companies and no more than 30% of assets in any sector. Select Corporate Income Strategy. The Select Corporate Income Strategy seeks to achieve current income by investing in a diversified high conviction portfolio of higher-yielding ETFs, closed-end funds, and mutual funds. The strategy invests primarily in corporate bond ETFs with maturities across the 1-10-year yield curve. A portion of assets may be held in tactical positions that may provide higher yields and risk. However, the strategy will seek to maintain an overall exposure to investment-grade securities. The strategy may take a view on duration and may be shorter, longer, or neutral relative to the maturity of the benchmark. Select Income Strategy. The Select Income Strategy seeks to achieve high current income and long-term capital appreciation by investing in a portfolio of high-income producing securities, including individual equities, real estate investment trusts ("REITs"), mutual funds, closed-end funds, business development companies ("BDCs") and exchange-traded funds ("ETFs"). The strategy typically invests in a portfolio of 20-40 securities and invests no more than 30% of assets in any one sector. Financial Planning Services Bruderman offers broad-based financial planning services including, but not limited to, tax planning, insurance planning, estate planning, disability planning, business planning, retirement planning, education planning, and budgeting and cash flow analysis. Bruderman strives to achieve a client's long-term financial goals by implementing a financial planning process that may include any or all of the following steps:  Assessment of a client's present financial situation by collecting information regarding net worth and cash flow statements, tax returns, insurance policies, investment portfolios, pension plans, and employee benefit statements.  Identification of a client's financial and personal goals and objectives. Goals or objectives may include financing a child's college education or retirement planning. The identified goals or objectives are specific, realistic, and measurable. All goals include time horizons.  Resolution of finance-related problems. Obstacles to achieving financial independence are identified so that a resolution may occur. Examples of problem areas can include too little or too much insurance coverage, inadequate cash flow, or a high tax burden.  Plan Design. A written financial plan is prepared that includes recommendations and solutions to address financial-related problems. Implementation of the financial plan. The financial plan is finalized and agreed upon. The recommendations and solutions are executed to reach the desired goals and objectives. Evaluation of the financial plan is conducted periodically. The financial planning service provides the option of completing a periodic review and revision of the plan to ensure that the financial goals are achieved. Financial plans are based on your financial situation and the financial information you provide to Us. If your financial situation, goals, objectives, or needs change, you must notify Us promptly. We also provide financial planning services that cover a specific area, such as retirement or estate planning. We offer consultative services where We set an appointment to meet with you for financial planning advice for an hourly fee. You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations, you may implement Our recommendations by utilizing our investment advisory services or using advisory services elsewhere. Bruderman does not provide tax or legal advice. Clients are urged to seek advice from qualified tax and legal professionals. Regulatory Assets Under Management Bruderman Private Wealth Firm has $114,125,000 Regulatory Assets Under Management ("RAUM") as of March 31, 2023.