Form ADV 2A Version: 03/17/24 traded fund (ETF) models in managing client assets. Selection and Oversight of Other Advisers (MCA Advisors) MCA Advisors may refer clients to third party money managers for implementation of the clients’ financial plan. MCA Advisors will recommend third party money managers after interviews and evaluations of available managers in collaboration with the client. MCA Advisors will continue to monitor and oversee the third-party manager(s) and provide analysis to the client on an ongoing basis. MCA Advisors will be compensated via an annual fee that is paid directly by the client that is separate and distinct from the fee the client pays the third-party manager. The fees charged by the third-party manager and MCA Advisors will not exceed any limit imposed by any regulatory agency. Before selecting other advisors for clients, MCA Advisors will always ensure those other advisors are properly licensed or registered as an investment advisor. Please see Item 10 for more information regarding MCA Advisors’ recommendation of third-party managers. Services Limited to Specific Types of Investments MCA Advisors generally limits its services to financial planning and selection of other advisors while MCA Capital generally limits its services to investment management services. Retirement Rollovers MCA may recommend that a client roll over retirement plan assets into an Individual Retirement Account (IRA) or other retirement account managed that will be managed by MCA and a sub-advisor, if applicable. As a result, MCA and/or a sub-advisor may earn an asset-based fee on those assets. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Specifically, if MCA recommends a client roll over its retirement assets to a managed account, such a recommendation creates a conflict of interest if we will earn new (or increase our current) compensation as a result of the rollover. Depending on the options available to the individual, rolling over assets to an account managed by MCA and/or a

sub-advisor could incur higher fees than leaving it in a current plan or moving to another employer-sponsored plan. In contrast, a recommendation that a client or prospective client leave their plan assets with their old employer or roll the assets to a plan sponsored by a new employer will generally result in no compensation to MCA. MCA has an economic incentive to encourage a client to roll plan assets into an IRA that MCA C. Client Tailored Services and Client Imposed Restrictions and/or a sub-advisor will manage. There are various factors that MCA may consider before recommending a rollover, including but not limited to: I. The investment options available in the plan versus the investment options available in an IRA, II. Fees and expenses in the plan versus the fees and expenses in an IRA, III. The services and responsiveness of the plan’s investment professionals versus those of MCA, IV. Protection of assets from creditors and legal judgments, V. Required minimum distributions and age considerations, VI. Employer stock tax consequences, if any, VII. Plan’s withdrawal options or limitations, before and/or after retirement No client is under any obligation to rollover retirement plan assets to an account managed by MCA and/or a sub-advisor. (MCA Advisors) MCA Advisors 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 MCA Advisors on behalf of the client. MCA Advisors will not use “model portfolios” but rather a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Specifically, MCA Advisors utilizes the following: Fact Finding: In order to complete a comprehensive cross border analysis, specific to the client’s situation, the first step is data gathering; reviewing and evaluating all information, including personal information, corporate holdings, insurance coverage, investment portfolio, income tax situation, financial statements and information regarding retirement, estates, trusts and wills. Cross Border Analysis: Creation of a cross-border plan that meets the goals and objectives of the client. The plan may include analysis and recommendations in the areas of: tax planning, estate planning, retirement planning, investment planning, health coverage and insurance, immigration and tax filing. Presentation & Next Steps: Once the analysis and plan are complete, the findings will be E. Amounts Under Management