Firm Description The Practical Planner, LLC (“TPP,” “we,” ”our,” and “us”), established in 1995, is a fee-only holistic financial planning and investment advisory firm that focuses on providing personalized financial planning and investment management services to individuals, families, and small businesses. TPP serves as a trusted guide to its clients (“you,” “your,” and “client”) by providing them assistance in identifying their personal financial objectives and finding solutions to their areas of financial concern. TPP assists its clients through analysis of the client’s cash flow and the development of a sustainable budget, advising the client on asset allocation, investment strategy selection, financial risk, and retirement planning issues, and by providing tax planning and individual tax preparation services. All of TPP’s services are tailored to the client’s unique investment objectives, needs, and limitations. Principle Owners TPP is owned and operated by John H. Konetzny, CFP® EA, and Patricia A. Konetzny, CFP® EA. Types of Advisory Services Open Retainer Services An open retainer engagement includes holistic/comprehensive financial planning and ongoing investment management services of the client’s designated investment accounts. The client agrees to an ongoing relationship with TPP as their trusted guide in the financial areas of their life and grants TPP the authority to manage the client’s investments on a discretionary (i.e., without seeking the client’s prior consent to each specific investment transaction) or non-discretionary basis (i.e., we must obtain your prior consent for each specific transaction). Where investment discretion is granted, we will only exercise such authority in line with our ongoing fiduciary duty to you and our understanding of your unique investment goals, needs, and limitations. You may impose reasonable restrictions on our management of your account(s), including instructing us not to purchase certain specific securities, industry sectors, and/or asset classes at any time. At the outset, the goals and objectives of each client are determined via consultations with the client and other means, and then documented in TPP’s records. Financial recommendations and advice are provided according to the client’s stated financial goals and investment objectives. We will monitor your designated investment accounts on an ongoing basis and make changes to your investments as we believe to be in line with your financial goals and objectives. Specific investment recommendations are provided as part of the engagement. TPP will provide investment advice regarding portfolio design, asset allocation, diversification, and investment selection. Business development and/or education funding advice may also be included, where appropriate. Client portfolios are typically constructed utilizing

a diversified combination of mutual funds, exchange traded funds (“ETFs”), U.S. government bonds, stocks, money market funds, certificates of deposit, and other listed securities. We may recommend other types of securities when suitable and appropriate for your needs. TPP does not act as a custodian of client cash or securities. Clients always maintain control over their cash and securities which are maintained in the custody of an independent qualified custodian, typically a bank, trust company, or broker-dealer firm. During the Initial Year of TPP’s services, there are a number of meetings covering from five to ten client-relevant topics selected from the list below. Meetings are held in-person, via phone, or tele- video services (e.g., Zoom), depending on the needs and preferences of the client. Services are provided as needed and agreed upon.
• tax planning and tax preparation;
• budgeting and cash flow;
• record-keeping;
• inventory of client assets
• retirement planning;
• portfolio analysis;
• goal setting;
• development of asset allocation strategies;
• estate planning review;
• investment selection;
• small business planning;
• insurance analysis;
• education planning; and
• analysis of employee benefits. In all subsequent year (“Renewal Years”), appointment topics will depend on what is appropriate for the client:
• tax planning and tax preparation;
• goal setting/review;
• investment review/update;
• rebalancing of assets; and
• financial planning and/or any financial services as requested or needed by client. Term and Termination of Agreements The term of an open retainer engagement is for a one year and will renew automatically for successive one year terms until terminated by either party. A client can terminate an open retainer engagement within five (5) days without incurring any penalty or advisory fees. After that time, an agreement can be terminated by either party at any time upon thirty (30) days’ advance written notice to the other party. Upon termination, any advisory fee paid in advance that remains unearned will be promptly returned to the client and any earned but unpaid fees shall become due and payable to TPP. Whether fees have been earned or unearned will be determined at TPP’s sole discretion. Typically, the unearned fee for a client will be based on a pro- rata basis until the end of the current billing period. Wrap Fee Programs TPP does not participate in, sponsor, or recommend any wrap-fee programs to clients. Assets Under Management As of December 31, 2023, TPP provides ongoing discretionary management services to approximately $108,896,459 of client assets on a discretionary basis and $0 of client assets on a non- discretionary basis.