Schmidt Financial Management, Inc. (“SFM”) was organized in 2003 but has been in the advisory business since 2023. Evan Schmidt is the principal owner. Investment Management Services SFM will manage Client’s household assets on a discretionary basis based on information regarding Client’s investment goals and objectives, financial situation and tax status. This information will be provided initially by Client and updated periodically as material changes to Client’s financial situation occur. Client grants SFM unlimited discretionary trading authority to select third party investment managers and execute securities transactions on behalf of Client without obtaining specific Client consent prior to each investment manager selection and each transaction. However, clients may impose restrictions on investing in certain securities or types of securities. SFM will implement customized investment allocation utilizing unaffiliated third-party portfolio managers, mutual funds, ETF/ETNs and individual securities among other investments. SFM conducts a due diligence investigation, selection and monitoring process regarding various investment options utilized. Household assets are comprised of Client assets held within custodial accounts linked to the Client household as agreed upon by Client and SFM. Household assets consist of cash, securities and debt instruments initially placed into the custodial accounts by Client plus all investments, reinvestments and proceeds of the sale of those assets, including, without limitation, all dividends, interest, appreciation and other additions, and additional custodial accounts established in the future that are agreed by Client and SFM to be included in household assets. The third-party managers that have been retained to support the SFM will be licensed as investment advisers in the states where they conduct business or with the Securities and Exchange Commission. A copy of the disclosure brochure for each third-party investment manager will be provided prior to or when a client’s assets are allocated to a manager. Sub-Advisory Services SFM has entered into sub-advisory agreements with various independent investment advisers (“Sub-advisers”). Sub-advisers are often chosen because they possess certain expertise in securities or investment strategies that the Adviser does not have. Sub- advisory relationships enable SFM to offer clients a broader range of services. Under separate agreement SFM will have the authority to allocate and reallocate client assets among various investment managers and will allocate assets to the Sub-advisers based on that authority. Sub-advisers are licensed as investment advisers by their resident states and other applicable jurisdictions or with the Securities and Exchange Commission. SFM will gather information about a client's financial situation and investment objectives. The Sub-adviser will have the

power and authority to supervise and direct all investment decisions for those accounts designated by SFM on a discretionary basis, including the purchase and sale of securities and any other transactions unless specifically directed otherwise by the Adviser in writing. The Sub-adviser will have discretionary authority to aggregate (combine) purchases and sales of securities with similar orders of non- SFM clients and proportionately divide up securities if unable to fill all orders. An account will be deemed to have purchased or sold its proportionate share of the securities at the average price determined for the overall transaction when transactions are aggregated. More information on the Sub-adviser’s aggregation policies is shown in the Sub-Adviser’s brochure. Assets Under Management As of December 31, 2023, SFM manages $0 in discretionary assets and $0 in nondiscretionary assets for a total of $0 in client assets. Financial Planning & Consulting Services SFM provides financial planning and consulting services consistent with a client’s financial and tax status, in addition to their risk tolerance and investment objectives. SFM gathers enough data to perform an analysis of client liabilities, cash flow, net worth and tax assessments. SFM also evaluates a client’s insurance coverage and needs. SFM creates a Financial Roadmap that may incorporate but isn’t limited to the following: Asset Management  Detailed Risk Tolerance Assessment  Asset Allocation Optimization (including Held Away Accounts)  Screening and Selection of Funds/Managers  Investment Oversight  Personalized, Regularly Updated Financial Plan  Real Estate Transaction Analysis  Strategic Portfolio Distribution Liability Management  Tax Planning / Minimization  Estate Planning  Education Funding Strategies  Insurance Planning  Trust & LLC Personal Liability Strategies Relationship Management  CPA  Asset Manager  Attorney  Private Banking  Trust Company  Philanthropy  Insurance Broker Held Away Accounts We use a third party platform to facilitate financial planning and consulting services associated with held away assets such as defined contribution plan participant accounts. We do not have direct access to Client log-in credentials. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. Financial Planning Conflicts of Interest A conflict of interest is created whenever SFM or an associated person recommends products or services to a client for which SFM or an associated person receives compensation. However, financial planning clients are under no obligation to act upon any recommendations of SFM or to execute any transactions through SFM or an associated person if they decide to follow the recommendations.