Description of Advisory Firm Vested Financial Planning, LLC is registered as an Investment Adviser with the SEC. Registration of an Investment Adviser does not imply a certain level of skill or training. VFP was formed in April 2018. Thomas Lo is the principal owner of VFP. As of December 31, 2023, VFP reported $101,570,990 in discretionary and $0 in non- discretionary Assets Under Management. Types of Advisory Services Investment Advisory Services (VFP manages accounts) We are in the business of managing individually tailored investment portfolios. Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation targets. We may also review and discuss a client’s prior investment history, as well as family composition and background. Account supervision is guided by the stated objectives of the client (e.g., maximum capital appreciation, growth, income, or growth, and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure. In cases where the client chooses to have VFP advise on assets that are not held at a qualified custodian in which VFP has an advisory relationship (See Item 12 of this Part 2A), VFP is able to provide investment management services of those held-away accounts through a third-party portfolio

management provider, Pontera. Such accounts will be studied, analyzed, asset-allocated, monitored, managed, tactically adjusted and rebalanced when necessary and periodically reviewed by the Firm in detail on behalf of the Client, taking into account the Client’s evolving individual circumstances, goals and objectives. Access to held-away accounts is achieved by the Client giving permission via a provided link through Pontera for the Firm to make asset allocation changes via the Client’s online login credentials. These online credentials are never made available to, held or stored by VFP. Access is restricted and the Firm will only have permissions to make changes to the allocation of funds or other securities in the account and will not at any time be able to adjust, add to or subtract from investment options, or any other plan policies or fees assessed by the plan or the fund providers, access the financial assets in the account, make deposits, withdrawals or distributions. These assets will be monitored using third party account aggregation software where the account values and holdings are transmitted and viewed from the account aggregation software. These assets are included in calculating the total assets under management when assessing the annual advisory fee. Investment Advisory Services (Outside Managers & Sub-Advisers) We offer investment advisory services through use of third-party money managers (“Outside Managers” and “Sub-Advisers) for portfolio management services. We assist clients in selecting an appropriate allocation model, completing the Outside Manager’s investor profile questionnaire, interacting with the Outside Manager and reviewing the Outside Manager. Our review process and analysis of outside managers is further discussed in