General Information First Financial Services, LLC (“First Financial”) was formed in 2023 and provides financial planning and investment management services to its clients. First Financial and its employees have been together since 1990. The principal owner of the company is Thomas Sanders. Services Offered First Financial offers discretionary portfolio management, financial planning, retirement planning and insurance services to its clients. First Financial also provides services as a wrap sponsor through Schwab for the FFS Wrap Program. WRAP Portfolio Management At the onset of each client relationship, First Financial spends time with the client asking questions, discussing the client's investment experience and financial circumstances, and broadly identifying major goals of the client. We create a comprehensive financial plan for our clients which we execute for them over the course of the advisory relationship. Our team uses their understanding of Investments, Risk Management, Insurance, and Estate/Tax Planning when working with clients to ensure a robust solution to a client’s financial goals. First Financial focuses on long-term growth with an emphasis on risk management. As a discretionary investment adviser, First Financial has the authority to supervise and direct portfolios on behalf of the client. We regularly monitor client accounts to ensure asset allocations are appropriate given market conditions and client risk tolerance. All clients for whom we trade are part of the WRAP program through First Financial Services, thus we treat all client accounts similarly. We use a wide range of equities, bonds, mutual funds,

exchange traded funds (“ETFs”), options, fixed income offerings, third party managers including private funds and hedging strategies to provide diversification for our clients. Financial Planning Our services include a comprehensive financial plan. An advisor meets with the client to understand their risk tolerance, financial history, liquidity needs, financial goals, and other information material to the financial planning process. The financial plan is an essential piece of First Financials’ process to assist with a client’s wealth management goals. In the event a client has an existing plan in place, we will assess their current plan to ensure continuity and accuracy of the plan. Our financial planning process includes: Estate planning Business planning Buy/Sell agreements Key person situations Insurance reviews ~ 5 ~ New retirees Charitable contributions College planning Insurance First Financial offers insurance products including permanent and term life insurance, variable insurance, and annuities. During the financial planning process we will determine if a client’s current scenario would benefit from additional insurance and/or if their current insurance products are appropriate for their investment goals. On an ongoing basis, First Financial monitors the performance of accounts being managed by third-party managers and seeks to ensure their strategies and target allocations remain aligned with our clients’ investment objectives and overall best interests. First Financial, as of March 26, 2024 manages $103,863,863 in discretionary assets and $0 in non- discretionary assets.