A. Description of the Advisory Firm B. Types of Advisory Services access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, Adviser will review the current account allocations. When deemed necessary, Adviser will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. Financial Planning Financial plans and financial planning areas may include, but are not limited to: Personal Finance: financial recordkeeping practices, budgeting, consolidation of financial accounts, financial goal planning, bill payment and other financial practices Investments: asset allocation, investment expenses, diversification, and proper use of investment vehicles Debt/Cash Flow: budgeting, emergency liquidity reserve, debt pay down plans, use of credit, deductibility of interest payments, and financing concerns Retirement: optimization of Social Security benefits, pension payout options, health care planning, and cash flow planning Income Tax: tax efficient location of assets, proper use of tax-deferred investment vehicles such as IRAs and 401(k)s, charitable gift planning, and capital gain/loss harvesting Employee Benefits: employer matching of retirement contributions, insurance options, and stock compensation Insurance and Risk Management: BFS will review need for life, health, property/casualty, disability, excess liability (umbrella), and long-term care coverage Education: college funding plans and assistance with applications for financial aid Estate: review of trusts, wills, beneficiary designations, the need for further planning for tax and non-tax reasons, choice of trustee, and preparation of a financial inventory for use by the executor of a client’s estate For Investment Supervisory Services clients these services are covered by the fee schedule in Item 5 below. At the discretion of BFS, a client may pay for these services on an hourly basis if it is determined that they are not in a position to utilize Investment Supervisory Services. Since the number of hours required to complete projects listed above can vary greatly from client to client, the project scope and estimated hours for completion are documented in Exhibit I of the Financial Planning Agreement and the hourly fee is documented in Exhibit II of the agreement. As described above, BFS offers financial planning services regarding non‐investment related matters. No representatives of BFS serve as an attorney, accountant, or insurance agent. BFS may refer the services of other professionals to clients for non‐investment related advice or implementation purposes. Clients are free to interview other candidates and are not required under any circumstances to hire a professional referred by BFS. The terms of such additional engagements (including fees) are completely separate from and in addition to the services

contracted with BFS. Fees for services of such professionals are the client’s responsibility. Services Limited to Specific Types of Investments BFS generally limits its investment advice and/or money management to mutual funds and ETFs. BFS may use other securities as well to help diversify a portfolio when applicable. BFS offers the same suite of services to all of its clients. However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax situation, liquidity needs, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent BFS from properly servicing the client account, or if the restrictions would require BFS to deviate from its standard suite of services, BFS reserves the right to end the client engagement. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. BFS does not participate in any wrap fee programs. As of March 1, 2024, total assets under management are $142,300,000. Of this total, $113,300,000 are managed on a discretionary basis and $29,000,000 are managed on a non- discretionary basis. C. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee Programs E. Amounts Under Management Investment Supervisory Services Fees Total Assets Under Management Annual Fee First $1,000,000 1.25% Next $1,000,000 ($1,000,001 - $2,000,000) 1.00% Next $1,000,000 ($2,000,001 - $3,000,000) 0.75% Next $2,000,000 ($3,000,001 - $5,000,000) 0.50% Assets over $5,000,000 0.15% When calculating fees based on the above schedule, a minimum annual fee of $12,500 applies. Fee Schedule for Non-Profit Accounts: Total Assets Under Management Annual Fee First $1,000,000 0.60% Next $1,000,000 ($1,000,001 - $2,000,000) 0.50% Next $1,000,000 ($2,000,001 - $3,000,000) 0.40% Next $2,000,000 ($3,000,001 - $5,000,000) 0.30% Assets over $5,000,000 0.10% When calculating fees based on the above non-profit fee schedule, a minimum annual fee of $6,000 applies. BFS reserves the right to discount the above fee schedules and/or reduce or waive minimum fees at its discretion depending upon specific client circumstances and complexity. The final fee schedule is attached as Exhibit II of the Investment Advisory Contract. Fees are paid quarterly in advance except for the initial invoice, which is calculated using the close of business value of the portfolio on the day that portfolio implementation was completed and will apply retroactively to the contract date and in advance to the nearest quarter end. For example, if the contract is signed on April 10 and portfolio implementation is complete on May 15, the May 15 close of business portfolio value will be used to calculate the initial quarterly invoice prorated for the period April 10 – June 30. Clients may terminate their contracts with thirty days’ written notice.