Description of the Advisory Firm Constant Guidance Financial LLC (referred to as “CGF Advisor”, “CGF”, the “Advisor”, “we”, “our”, “us”) is a Registered Investment Adviser with the Securities and Exchange Commission (“SEC”). CGF Advisor is organized as a Limited Liability Company (LLC) under the laws of the State of Massachusetts. CGF Advisor was founded in October 2014, and is owned and operated by its President and CEO, Mitch S. Zides, CFA, CFP®. Mr. Zides also serves as Chief Compliance Officer and Portfolio Manager. We hold ourselves to a fiduciary standard, which means our firm has a legal duty to always try to put the interest of our clients ahead of its own. We are a fee-only investment advisor that doesn’t charge commissions, sales fees, custody fees or receive any referral fees from third parties. We are proud to be directly compensated by our clients. We carefully manage, disclose, and minimize all potential conflicts of interest. Our goal is to provide the highest quality service at a reasonable fee, which is always fully transparent. We maintain the highest standards of ethics. A. Types of Advisory Services CGF Advisor provides wealth management advice, investment advisory, and retirement plan consulting to individuals, trusts, estates, charitable organizations, corporations, plan sponsors, and other business entities. Each client’s needs are different and the financial counseling recommendations and advice are customized to meet the client’s unique objectives. Although each client may have unique needs, the types of services are similar. These services include asset allocation, investment planning, retirement planning, estate planning, risk management strategies, and comprehensive financial counseling. We manage accounts on a discretionary basis. When we manage your accounts on a discretionary basis, we have the authority to make purchase and sell decisions for your account(s) consistent with the goals and objectives. Client’s investment objectives are determined through data gathering, risk assessment questionnaires and interviews during the initial planning process. In addition, we may coordinate with attorneys to develop estate plans, insurance agents, and accountants for tax planning and the preparation of tax returns. Financial Planning For individual clients, CGF Advisor begins the relationship with a financial planning overview. As needed, or as requested by the client, analysis may be offered for areas such as retirement planning, estate planning, education funding, and other matters specific to each client’s circumstances. 2 | Constant Guidance Financial, LLC FORM ADV Part 2 VERSION 12/31/2023 CGF Advisor offers a unique planning philosophy that incorporates goal-based planning with full cash flow after retirement. We meet with our clients regularly, either in person or via telephone, to discuss progress towards goals and to make necessary changes as needed. This service is offered at no additional charge to CGF Advisor investment management clients. On a case-by-case basis, CGF Advisor may accept Financial Planning engagements for individuals who are not ongoing portfolio management clients. These engagements are standalone, meaning they are limited in scope and not ongoing, and billed on an hourly rate or on a project basis. If you engage us to perform these services, you will receive a written agreement detailing the services, fees, terms and conditions of the relationship. You will also receive this Brochure. You are under no obligation to implement recommendations through us. CGF Advisor does not manage or place Client assets into a wrap fee program. Investment Advisory CGF Advisor provides investment advice and portfolio management services on an ongoing basis. We provide in-depth and rigorous analysis of existing investment portfolios and construction of new portfolios. In performing investment management services, we typically examine and analyze your overall financial situation, which may include issues such as taxes, insurance needs, overall debt, credit, business consulting, retirement savings and reviewing your current investment program. Our services may focus on all or only one of these areas depending upon the scope of our engagement with you. In most cases, an Investment Policy Statement is established that summarizes your specific financial circumstances, including goals and objectives, risk tolerance, and time horizon for investing. This information is used in the design, implementation and management of a diversified and risk appropriate investment portfolio. Thereafter, CGF Advisor actively manages your portfolio on an ongoing basis and will rebalance the portfolio as required by changes in market conditions and/or changes in your financial circumstances. The Advisor may employ cash positions and option strategies (if consent is given prior in writing) as possible hedges against market

movement, which may adversely affect the portfolio. Our tailored portfolio asset allocations will include but will not be limited to cash, bonds (corporate debt, certificates of deposit, municipal securities and US Government securities), stocks, exchange-traded funds, closed-end fund and mutual funds. We will select specific securities that will provide diversification to help meet each client's stated investment objectives and risk objectives. The types of Investment Advisory services rendered include asset allocation strategies and discretionary management of investment strategies. 3 | Constant Guidance Financial, LLC FORM ADV Part 2 VERSION 12/31/2023 Services Limited to Specific Types of Investments We generally limit our investment advice to Exchange Traded Funds (ETFs), stocks, bonds, and mutual funds. We will also trade closed end funds (CEFs), equity options, and may use other securities as well to help diversify a portfolio when applicable. 401K Consulting Services CGF Advisor offers a range of services to retirement plans governed by the Employee Retirement Income Security Act of 1974 (“ERISA”) and their participants. CGF Advisor provides investment advice in the form of mutual fund evaluation and recommendation services to 401k plans and the plan’s trustees. Our ERISA services include but are not limited to establishing an Investment policy statement, participant and sponsor education, 404(c) Safe Harbor advice, service provider due diligence, and investment advice. Typically, there are one or more trustees (employees of the company sponsoring the plan) who are the 401k “named fiduciaries” under ERISA supervised by the DOL (Department of Labor). Our services are provided to, and contracted by the Named Fiduciaries responsible for the overall administration of the Plan (and their various service providers, including a custodian, plan administrator, etc.). We will also monitor the current managed investment line up including the investment’s performance compared to an applicable benchmark cost. If we determine that a fund no longer meets our criterion, we will select possible alternatives and present them to the plan sponsor. In providing services for some 401k plans, CGF Advisor has the discretionary authority to make changes to the funds within the plan that are made available to plan participants to buy and sell. We may conduct plan participant meetings when a change is made either to the structure of the plan or if the investment lineup changes as a result of our decisions. We will detail the changes being made, how it affects the current participants, review the current investment opportunities, how participants may make changes to their investment selections, and will answer any questions a participant may have. We will review with the participants how to select the investments. Client Tailored Services and Client Imposed Restrictions We provide investment advisory services and offer the same services to all clients. Each client is required to enter into an Investment Advisory Agreement with the Advisor that defines the terms, conditions, authority and responsibilities of the Advisor and the client. These services may include: Establishing an Investment Policy Statement – Each specific financial plan and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation. This statement outlines the client’s investment goals and objectives along with the strategy to be employed to meet those objectives. An Investment Policy Statement 4 | Constant Guidance Financial, LLC FORM ADV Part 2 VERSION 12/31/2023 generally includes specific information – goals, investment strategy, risk tolerance, and security restrictions imposed by the client. Asset Allocation – We will develop a strategic asset allocation that is customized to each client’s investment objectives, financial situation, time horizon, values, and risk profile for each client. Financial Planning – We will develop a comprehensive plan for each client, helping them to identify, and quantify, their short-term and long-term financial goals. Investment Management and Supervision – We will provide investment management and ongoing oversight of the client’s accounts and overall portfolio, in accordance with the IPS and Investment Advisory Agreement. We routinely assess account performance and adjust accordingly. Wrap Fee Programs CGF Advisor does not sponsor or participate in third-party wrap fee program. Amounts Under Management As of December 31, 2023, CGF Advisor clients have entrusted our firm with the following of their life savings (assets under management): Number of Accounts Assets under Management Discretionary Accounts 565 $128,146,765 Non-discretionary Accounts 0 0 Total 565 $128,146,765