A. Firm Information Cyr Financial Inc. (“Cyr Financial” or the “Advisor”) is a registered investment advisor located in the State of Illinois and is organized as a Corporation under the laws of Illinois. Cyr Financial was founded in December 2013 and became a registered investment advisor in September 2015. Cyr Financial is owned and operated by Christian J. Cyr (President and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Cyr Financial. B. Advisory Services Offered Cyr Financial offers investment advisory services to individuals, high net worth individuals, trusts, estates, pensions and profit sharing plans in Illinois and other states (each referred to as a “Client”). Investment Management Services Cyr Financial provides customized investment advisory solutions for its Clients. The firm feels that this is best achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. Cyr Financial works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. Cyr Financial implements Client investment portfolios utilizing up to five (5) of the Advisor’s proprietary investment models, in different combinations and weighting to achieve the goals of each Client. Securities included in the Advisor’s strategies include blue chip equity securities, exchange-traded funds (“ETFs”), diversified mutual funds and alternative investments (through mutual funds). The Advisor may employ options, business development companies and/or other types of investments, as appropriate, to meet the needs of each Client. Cyr Financial’s investment strategies are primarily long-term focused, although the Advisor may buy, sell or re- allocate positions that have been held less than one year to help meet the objectives of the Client or due to market conditions. Cyr Financial will construct, implement and monitor the portfolio to help ensure that it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Cyr Financial evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Cyr Financial may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Cyr Financial may recommend specific positions to increase sector or asset class weightings or may recommend employing cash positions as a possible hedge against market movement. Alternatively, Cyr Financial may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Cyr Financial will not provide securities custodial or other administrative services. At no time will Cyr Financial accept or maintain custody of a Client’s funds or securities, except for authorized deduction of the Advisor’s fees. All Client assets will be managed within their designated brokerage account or pension account, pursuant to the Client investment advisory agreement. Cyr Financial may provide recommendations to our clients for their retirement plan assets when requested. IARs will provide written asset allocation and/or specific investment recommendations for client retirement plan assets based on the investment options available within the retirement plan and based on financial and other information provided by the client. The IAR tailors the recommendation to the individual needs of the client based upon the investment objective chosen by the client. The engagement terminates upon delivery of the written recommendation. The client retains the sole responsibility for determining whether to implement any recommendations made by the IAR and for placing any resulting transactions. Cyr Financial and the IAR do not Page 5 provide ongoing consulting or management services, and do not have discretionary authority with respect to the client’s retirement plan assets. In addition, Cyr Financial and the IAR do not provide any advice or recommendations regarding any participant loans from client’s retirement plan assets. Financial Planning Services Cyr Financial offers a variety of customized financial planning services to individuals and families, pursuant to a written financial planning agreement.

Services are offered in several areas of a Client’s financial situation, depending on their goals, objectives and financial situation. For instance, the Advisor may provide a more comprehensive financial plan or a more targeted financial consultation based on a Client’s specific area[s] of need. The Advisor’s more comprehensive level of service may include but may not be limited to investment planning, retirement planning, personal savings, insurance needs, education savings and tax planning. The scope, duration and costs of a financial planning engagement will vary based on the needs of the Client and the complexity of their situation as discussed prior to the engagement. The Advisor will provide the Client an estimated cost to the Client prior to engaging for these services based on the aforementioned preliminary discussion. Please see Item 5 below. A financial plan developed for a Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Cyr Financial may also refer Clients to an accountant, attorney or another specialist, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of Client’s financial situation, observations, and recommendations. For more targeted engagements, the Advisor may not provide a written summary. Planning engagements generally start with a formal financial planning process, which is often completed within the first two months. Clients can also engage the Advisor for ongoing planning on an annual retainer. Please see Item 5. Financial planning recommendations often pose a potential conflict between the interests of the Advisor and the interests of the Client. For example, a recommendation to engage the Advisor for investment management services or to increase the level of investment assets with the Advisor would pose a conflict, as it would increase the advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or to maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to execute the transaction through the Advisor. C. Client Account Management Prior to engaging Cyr Financial to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:  Establishing an Investment Policy Statement – Cyr Financial, in connection with the Client, may develop a statement that summarizes the Client’s investment goals and objectives along with the broad strategy[ies] to be employed to meet the objectives.  Asset Allocation – Cyr Financial will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client.  Portfolio Construction – Cyr Financial will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.  Investment Management and Supervision – Cyr Financial will provide investment management and ongoing oversight of the Client’s portfolio and overall account. Because Cyr Financial is a registered investment adviser, we are required to meet certain fiduciary standards when providing investment advice to clients. Additionally, when we provide investment advice related to a retirement plan account or an individual retirement account, we are considered fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which Page 6 are laws governing retirement accounts. As such, we are required to act in your best interest and not put our interest ahead of yours, even though our compensation creates some conflicts with your interests in that the more you have us manage, the more we can earn. Our clients however are under no obligation to use services recommended by our associated persons. Furthermore, we believe that our recommendations are in the best interests of our clients and are consistent with our clients’ needs. D. Wrap Fee Programs Cyr Financial does not sponsor, offer, or participate in a wrap fee program. Investment management services are provided directly by Cyr Financial. E. Assets Under Management As of December 31, 2023, Cyr Financial manages $112,110,138 in discretionary assets. Clients may request more current information at any time by contacting the Advisor.