Firm Description Independent Financial Advisors, Inc., VFF dba Veach Family Financial (“VFF”) was founded in 1994. Veach Family Financial provides personalized confidential investment management to individuals, pension and profit sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial concerns, investment management, education funding, retirement planning, and estate planning. Veach Family Financial is a fee-only investment management firm. The firm is not a “broker-dealer” and, as such, does not sell stocks, bonds, mutual funds, limited partnerships, or other similar products. The firm is not affiliated with any (broker-dealers) that sell securities. The firm manages assets placed with qualified custodians like Schwab Institutional. No commissions are accepted by Veach Family Financial No finder’s fees are accepted by Veach Family Financial Investment advice is an integral part of planning for the future. In addition, Veach Family Financial advises clients regarding cash flow, college, financial, retirement, and estate planning. Veach Family Financial does not take custody or maintain control of client assets. Veach Family Financial places trades for clients under a limited power of attorney. An evaluation of each client's initial situation is performed. Periodic reviews are conducted at least quarterly. More frequent reviews may occur on a case by case basis. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management services may be beneficial to the client. Principal Owners Clifford Ray Veach, Jr., is a 60% stockholder. Andrew Reid Veach is a 20% stockholder. Eryn Veach is a 20% stockholder. Types of Advisory Services Veach Family Financial provides investment supervisory services, also known as asset management services; furnishes investment advice through consultations; and may determine financial objectives, may identify financial problems, may provide investment management, education funding counseling, and retirement and estate planning. Frequently, Veach Family Financial furnishes advice to clients on matters not involving securities, such as education and retirement planning matters and trust services that often include estate planning. As of December 31, 2023 Veach Family Financial managed approximately $112,434,156 in assets for approximately 180 client households. Other than participant directed investment 401(k) plans, all assets are managed on a discretionary basis. Tailored Relationships Investment agreements and/or investment policy statements are maintained for each client. In addition to describing the firm’s investment philosophy, the investment policy statement identifies each client’s specific asset allocation range. Clients may deviate from the firms recommendations and may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without client consent. Types of Agreements The following agreements define the typical client

relationships. Advisory Service/Investment Management Agreement Most clients choose to have Veach Family Financial manage their assets in order to obtain ongoing in-depth advice and life planning. If our clients so choose, we will review all aspects of the their financial affairs, including those of their minor children. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for an Advisory Service/Investment Management Agreement is provided to the client in writing prior to the start of the relationship. An Advisory Service/Investment Management Agreement includes investment management (including performance reporting). Other available services include education planning, retirement planning, as well as assisting with the implementation of recommendations within each area. Although the Advisory Service/Investment Management Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at the client’s discretion. The client or the investment manager may terminate an Agreement at any time by written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the quarter completed. The average portfolio value at the completion of the prior full billing quarter is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. Asset Management Assets are invested primarily in no-load mutual funds, and ETFs usually through discount brokers or fund companies. Fund companies charge each fund shareholder an investment management fee (expense ratio) that is disclosed in the fund prospectus. Discount brokers may charge a transaction fee for the purchase of some funds which is in addition to the funds expense ratio. Occasionally, individual stocks and bonds may be purchased or sold through a brokerage account when appropriate or directed by the client. Brokerage firms may charge a fee for such trades. Veach Family Financial does not receive any compensation in any form from fund companies or brokerage firms. Investments may also include: equities (stocks & ETFs), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (mutual funds shares), U. S. government securities, options contracts, futures contracts, and interests in partnerships. Initial public offerings (IPOs) are not available through Veach Family Financial Termination of Agreement A client may terminate any of the aforementioned agreements at any time by notifying Veach Family Financial in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. If the client made an advance payment, Veach Family Financial will refund any unearned portion of the advance payment. Veach Family Financial may terminate any of the aforementioned agreements at any time by notifying the client in writing. If the client made an advance payment, Veach Family Financial will refund any unearned portion of the advance payment.