plan’s investment management agreement with the Firm. Statements that the services that Advisor will provide to covered ERISA plans will be as an ERISA fiduciary and registered investment adviser plan’s investment management agreement with the Firm. Description of the direct compensation to be paid to Advisor Item 5 of this Form ADV Part 2A and the client plan’s investment management agreement with the Firm. Description of the indirect compensation Advisor might receive from third parties in connection with providing services to covered ERISA plans, if any Items 10, 12 and 14 of this Form ADV Part 2A Description of the compensation to be shared between Advisor and any third party or any affiliated entity, if any Items 5, 10, 12 and 14 of this Form ADV Part 2A, if applicable. Compensation that Advisor will receive upon termination of its agreement to provide investment management services, if any The manner in which the compensation from the client plan will be received by Advisor. Item 5 of this Form ADV Part 2A. *Client-prepared investment management agreements may or may not contain disclosures or contain them in different locations in the agreement. Who PTCG is Pring Turner Capital Group (“PTCG”) has been registered as an investment adviser since 1988. PTCG’s principals are Thomas Kopas, Chief Executive Officer, Martin Pring, Chairman, Pamela Iwaszewicz, Financial Planner, and James Kopas, Portfolio Manager & Chief Compliance Officer. Services PTCG offers PTCG offers investment advisory services on a fee-only basis to its clients, which include individuals, pension and profit-sharing plans, business entities, trusts, estates, and charitable organizations, etc. PTCG may also serve as sub- advisor to clients of other registered advisor. PTCG utilizes an active asset allocation management process built around the ebb and flows of a business cycle. PTCG manages conservative balanced portfolios of equities and fixed income investments. Quality, value and income are emphasized and characteristic of PTCG’s portfolios. PTCG’s management services are tailored to each client's objectives and risk tolerances within its overall philosophy. For individuals and their related entities, PTCG determines whether there is a compatible fit between the client's goals and objectives and PTCG's philosophy and decision-making process in the initial intake stages. To determine compatibility, PTCG establishes individual risk tolerances, investment guidelines and objectives with potential new clients during the initial intake and account setup. Clients may impose certain restrictions on investing in certain securities or specific types of securities. PTCG also provides portfolio management services through Institutional Intelligent PortfoliosTM, an automated, online investment management platform for use by independent investment advisors and sponsored by Schwab Wealth Investment Advisory, Inc. (the “Program” and “SWIA,” respectively). Through the Program, PTCG offers clients a range of investment strategies it has constructed and manages, each consisting of a portfolio of exchange traded funds (“ETFs”) and a cash allocation. A client may instruct PTCG to exclude up to three ETFs from their portfolio. The client’s portfolio is held in a brokerage account opened by the client at SWIA’s affiliate, Charles Schwab & Co., Inc. (“CS&Co”). We are independent of and not owned by, affiliated with, or sponsored or supervised by SWIA, CS&Co or their affiliates (together, “Schwab”). The Program is described in the Schwab Wealth Investment Advisory, Inc. Institutional Intelligent PortfoliosTM Disclosure Brochure (the “Program Disclosure Brochure”), which is delivered to clients by SWIA during the online enrollment process. PTCG, and not Schwab, are the client’s investment advisor and primary point of contact with respect to the Program. PTCG is solely responsible, and Schwab is not responsible, for determining the appropriateness of the Program for the client, choosing a suitable investment strategy and portfolio for the client’s investment needs and goals, and managing that portfolio on an ongoing basis. SWIA’s role is limited to delivering the Program Disclosure Brochure to clients and administering the Program so that it operates as described in the Program Disclosure Brochure. PTCG has contracted

with SWIA to provide us with the technology platform and related trading and account management services for the Program. This platform enables PTCG to make the Program available to clients online and includes a system that automates certain key parts of our investment process (the “System”). The System includes an online questionnaire that helps PTCG determine the client’s investment objectives and risk tolerance and select an appropriate investment strategy and portfolio. Clients should note that PTCG will recommend a portfolio via the System in response to the client’s answers to the online questionnaire. The client may then indicate an interest in a portfolio that is one level less or more conservative or aggressive than the recommended portfolio, but PTCG then make the final decision and select a portfolio based on all the information we have about the client. The System also includes an automated investment engine through which PTCG manages the client’s portfolio on an ongoing basis through automatic rebalancing and tax-loss harvesting (if the client is eligible and elects). PTCG does not receive a portion of a wrap fee for our services to clients through the Program. Clients do not pay fees to SWIA in connection with the Program, but PTCG charges clients a fee for its services as described below under Item 5. Schwab does receive other revenues in connection with the Program, as described in the Program Disclosure Brochure. PTCG does not pay SWIA fees for its services in the Program so long as PTCG maintains $100 million in client assets in accounts at CS&Co that are not enrolled in the Program. If PTCG does not meet this condition, then PTCG pays SWIA an annual fee of 0.10% (10 basis points) on the value of its clients’ assets in the Program. This fee arrangement gives PTCG an incentive to recommend or require that its clients with accounts not enrolled in the Program be maintained with CS&Co. As part of the advisory services provided to clients, PTCG may provide financial planning which takes a comprehensive view of different aspects of the client’s current financial situation to develop a plan that allows us to help the client meet their investment goals and objectives. During the financial planning process, the client will participate in meetings to identify and prioritize their objectives, gather information, evaluate recommendations, and track progress towards the goals. The financial planning relationship may include meetings with the client’s other specialized advisors (attorneys, accountants, etc.) Depending on the client’s objectives, a formal written financial plan may cover general financial planning, estate planning, educational fund planning, business succession planning, individual tax planning, business planning, retirement planning, corporate retirement planning, risk management and insurance planning. PTCC may make observations relating to legal or tax issues, but does not provide legal or tax advice. A PTCC financial plan generally consists of observations, assumptions, strategies, and recommendations. The client is generally presented with a formal written plan based on the information they have provided. The client may choose to implement all or any part of the plan through PTCC or another professional of their choice. For certain consulting or ad-hoc requests, a written summary may not be provided. Financial plan recommendations may create a potential conflict between the interests of the advisor and that of the client. For instance, if a financial planning recommendation were to increase the level of investment assets with the advisor, it would increase the advisory management fee paid to the advisor. Assets Under Management As of June 30, 2023, PTCG managed assets of $206,029,593 on a discretionary basis and $ 439,254 on a non-discretionary basis for a total of $206,468,847. Sub-Advisory Engagements PTCG may also serve as a sub-adviser to unaffiliated registered investment advisers per the terms and conditions of a written Sub-Advisory Agreement. With respect to its sub-advisory services, the unaffiliated investment advisers that engage PTCG’s sub-advisory services maintain both the initial and ongoing day-to-day relationship with the underlying client, including initial and ongoing determination of client suitability for PTCG’s designated investment strategies.