A. Description of the Advisory Firm B. Types of Advisory Services Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Services Limited to Specific Types of Investments FCWS generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), equities, hedge funds, private equity funds, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds, commodities, non-U.S. securities and private placements, although FCWS primarily recommends and futures. FCWS may use other securities as well to help diversify a portfolio when applicable. FCWS will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by FCWS on behalf of the client. FCWS may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent FCWS from properly servicing the client account, or if the restrictions would require FCWS to deviate from its standard suite of services, FCWS reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. FCWS does not participate in any

wrap fee programs. FCWS has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $326,000,000 $0.00 12/31/2022 C. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee Programs E. Assets Under Management Portfolio Management Fees Total Assets Under Management Annual Fees $0 - $2,000,000 Up to 1.50% $2,000,001 - $5,000,000 Up to 1.00% $5,000,001 – And Up Up to 0.85% The advisory fee is calculated using the value of the assets on the last business day of the prior billing period. These fees are generally negotiable, and the final fee schedule is attached as Exhibit II of the Investment Advisory Contract. Clients may terminate the agreement without penalty for a full refund of FCWS's fees within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment Advisory Contract immediately upon written notice. Financial Planning Fees Fixed Fees The negotiated fixed rate for creating client financial plans is between $1,000 and $2,500. Clients may terminate the agreement without penalty, for full refund of FCWS’s fees, within five business days of signing the Financial Planning Agreement. Thereafter, clients may terminate the Financial Planning Agreement generally upon written notice. Payment of Portfolio Management Fees Asset-based portfolio management fees are withdrawn directly from the client's accounts with client's written authorization on a daily, monthly or quarterly basis, or may be invoiced and billed directly to the client on a quarterly basis. Clients may select the method in which they are billed within the policies of the selected custodian. Fees are paid in advance.