Firm Description Marvel Financial Planning, Inc. (“MFP”) (d/b/a Encircle Financial Strategies) (“EFS”) is a corporation formed on September 17, 2001. The investment adviser is applying to be registered with the Securities and Exchange Commission (“SEC”) under the Investment Advisers Act of 1940, as amended (the “Investment Advisers Act”). The principal owner of MFP is Katharine B. Marvel. The primary types of investment advisory services offered by the Adviser are investment management and financial planning. Investment Management Investment advisory services offered by Encircle Financial Strategies are specifically tailored to meet the needs of each client. Prior to delivering investment advisory services, the Adviser will ascertain each client’s specific investment objective. Then Encircle Financial Strategies will allocate, or recommend that the client allocate, their investment assets consistent with the designated investment objective. Clients may impose reasonable restrictions on any of the Adviser’s investment advisory services at any time, but restrictions must be delivered to the Adviser in writing, and must be signed by the client. Financial Planning Encircle Financial Strategies offers financial planning services. These financial planning services will include one or more of the following elements, customized to each client’s needs: financial planning including retirement planning, cash flow, Social Security planning, tax planning, risk management, education planning and estate planning. Encircle Financial Strategies begins with an intensive fact-finding session which helps the Adviser become familiar with the client’s current financial situation (which may include, among other things, investments, income taxes, employer benefits, insurance, estate planning, family circumstances and risk tolerance and capacity.) as well as their personal goals and priorities for the next several years. Then, working from this comprehensive information, the Adviser prepares a detailed financial plan which documents the client’s situation, identifies all areas which will be impacted, and makes specific goal- oriented recommendations. The Adviser’s specific goal-oriented recommendations are designed to educate

and allow a client to coordinate his/her financial affairs more efficiently, prudently reduce income taxes, and attempt to improve his/her overall net worth. Once this Plan has been discussed with the client, the recommendations that the client feels comfortable with are scheduled for implementation with specific deadlines to be met. Encircle Financial Strategies continues to assist the client based on a review of services in all applicable areas of financial planning including retirement planning, cash flow, Social Security planning, tax planning, risk management, education planning and estate planning. The review schedule will be determined at each client meeting. Please note: It is always the client’s responsibility to promptly notify Encircle Financial Strategies if there is any change in their financial situation or investment objective. This notification of change allows the Adviser an opportunity to review, evaluate, or revise our previous recommendations or services. Tailored Relationships At the Adviser, advisory services are tailored to the specific needs of each client. Prior to providing advisory services, the Adviser will ascertain each client’s investment goals and objectives. The Adviser then allocates and/or recommends that the client allocate investment assets consistent with the designated investment objective. The client may, at any time, impose reasonable restrictions on the Adviser’s services, but restrictions must be delivered to the Adviser in writing, and must be signed by the client. In performing services for the client, the Adviser is not required to verify any information it received from the client or from the client’s other professionals and the Adviser is expressly authorized by the client to rely on this information. Each client is advised that it remains the client’s responsibility to promptly notify the Adviser if there is ever any change in the client’s financial situation or investment objectives for the purpose of reviewing, evaluating or revising the Adviser’s previous recommendations or services to the client. Managed Assets As of October 2023, MFP managed a total of $104,972,385 in discretionary assets under management and $0 in non-discretionary assets under management.