Firm Description and Types of Advisory Services DJY is an investment adviser providing investment advisory services as well as financial planning services to individuals, high net worth individuals, pension and profit-sharing plans, trusts, estates and corporations. DJY was founded in 2004. Principal Owners DJY is owned by David J. Yvars, Sr., Chief Executive Officer, Senior Portfolio Manager and Chief Compliance Officer, and David J. Yvars, Jr., Chief Financial Officer. Investment Advisory Services DJY generally advises portfolios on a discretionary basis, although some portfolios may be non- discretionary. Through personal interviews, DJY gathers information about client assets, liabilities, investment goals, objectives and time horizon. DJY’s creates customized, structured portfolios, tailored to each client’s individual risk tolerance. Asset allocation mix may fluctuate and vary depending on DJY’s recommendations and market conditions. DJY may provide a detailed financial plan consistent with a client's financial status, investment objectives and constraints, risk tolerance and tax status. The financial plan may include the following areas of concern: personal, retirement, investments, tax and cash flow, and death and disability. The financial plan may also include generic recommendations as to general types of investment products or specific securities that may be appropriate for the client to purchase given his or her financial situation and objectives. Financial Planning DJY offers financial planning services to clients for which it provides Investment Advisory Services. Financial planning services may include a review of all aspects of a client’s current financial situation, including the following components: cash management, risk management, insurance, education funding, goal setting, retirement planning, estate and charitable giving planning, tax planning, and capital needs planning. DJY may meet with the client to review risk tolerance, financial goals and objectives, and time horizons and may prepare a written financial plan. Financial planning services are based on the client’s financial situation at the time and are based on financial information disclosed by the client to DJY. Certain assumptions may be made with respect to interest and inflation rates and use of past trends and performance of the

market and economy. DJY does not offer any guarantees or promises that client’s financial goals and objectives will be met. Clients should notify DJY promptly of any changes to the client’s financial goals, objectives or financial situation as such changes may require a review of the plan and changes to recommendations. Tailored Relationships DJY tailors investment advisory services to the individual needs of the client. The goals and objectives for each client are documented in our client relationship management system. Client Profiles are created that reflect the stated goals and objective. DJY clients are allowed to impose restrictions on the investments in their account. DJY may accept any reasonable limitation or restriction to discretionary authority on the account placed by the client. All limitations and restrictions placed on accounts must be presented to DJY in writing. Fiduciary Statement DJY and its employees are fiduciaries who must take into consideration the best interests of our clients. DJY will act with competence, dignity, integrity, and in an ethical manner, when dealing with clients. DJY will use reasonable care and exercise independent professional judgement when conducting investment analysis, making investment recommendations, trading, promoting our services, and engaging in other professional activities. As a fiduciary, DJY has the obligation to deal fairly with our clients. DJY has the following responsibilities when working with a client:
• To render impartial advice;
• To make appropriate recommendations based on the client’s needs, financial circumstances and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented in an accurate manner and not in a way to mislead;
• To have reasonable basis, information, and understanding of the facts in order to provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and
• Treat clients fairly and equitably. Wrap Fee Programs DJY does not participate in a Wrap Fee Program. Client Assets As of December 31, 2023, DJY managed approximately $302,555,785 in assets. Approximately $214,755,440 is managed on a discretionary basis, and approximately $87,800,345 is managed on a non-discretionary basis.