Firm Description White & Company Financial Planning, Inc., (“WCFP”) was founded in 2005. WCFP provides personalized confidential financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. WCFP is strictly a fee-only financial planning and investment management firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. WCFP also serves as trustee for trusts or serves as personal representative of an estate for a client. This gives WCFP custody over accounts that are set up for the trust or estate. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed to the client in the unlikely event they should occur. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Principal Owners James Eric Parker is a 50% stockholder. Thomas White is a 50% stockholder. Types of Advisory Services Financial Planning WCFP provides financial planning to its clients. Clients utilizing this service will receive a written financial plan providing the client with a detailed financial plan designed to achieve their stated financial goals and objectives. The financial plan may include any or all of the following areas of concern: Personal budgeting, debt management, income tax planning, investment planning, insurance planning for death and disability, retirement planning and estate planning. WCFP spends approximately 5% of its time on financial planning services. The financial planning process generally includes gathering information through in- depth personal interviews. Information gathered includes a client's current financial status, future goals, and attitudes toward risk. Related documents supplied by the client are carefully reviewed, including a questionnaire completed by the client, and a written report is prepared. Should a client choose to implement the recommendations contained in the plan, WCFP suggests the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client's discretion and the use of WCFP, or any affiliated person or entity is not required. Some clients are provided with a written plan that may include a personal balance sheet and certain projections. All reports, financial statement projections and analyses are intended exclusively for the clients’ use in developing and implementing their financial plan. In view of this limited purpose, the statements should not be considered complete financial statements. We will not audit (examine), review or compile such statements and, accordingly we will not express an opinion or other form of assurance on them, including the reasonableness of assumptions and other data on which any prospective financial statements are based. It is likely that there will be differences between projected and actual results because events vary, and circumstances frequently do not occur as expected and such differences may be material. Our analysis will be highly dependent on certain economic assumptions about the future. Therefore, the client should establish familiarity with historical data regarding key assumptions such as inflation and investment rates of return, as well as an understanding of how significantly these assumptions affect the results of our analyses. We may counsel the client as to the consistency of the assumptions with relevant historical data, but we will not express any assurance as to the accuracy or reasonableness of your specific data and assumptions. The client is ultimately responsible for the assumptions and personal data upon which our procedures and projections are based. The financial plan assumptions and reports are primarily a tool to alert clients to certain possibilities. The reports are not intended to, nor do they provide any guaranty about future events including an individual’s investment returns. The implementation of the plan is solely the client’s responsibility. Investment Management WCFP also provides investment management services. WCFP provides this service to individuals, pension and profit-sharing plans, trusts, estates, and corporations. WCFP manages client accounts on a discretionary basis. The asset allocation for a client’s investments is guided by the stated objectives and

needs of the client (i.e., maximum capital appreciation, growth, income, or growth and income). Once the appropriate asset allocation has been determined, WCFP will review the portfolio and its underlying assets quarterly or annually, and if necessary, reallocate or rebalance the portfolio, based on each client's individual needs. As of December 31, 2023, WCFP manages approximately $115,460,687 in assets for 301 clients. All of the assets are managed on a discretionary basis. WCFP spends approx 90% of its time on Investment Management services. Other Services On more than an occasional basis, WCFP furnishes advice to clients on financial matters, taxation, trust services and estate planning on an hourly basis. WCFP spends approx 5% of its time on these services. Tailored Relationships The goals and objectives for each client is documented in our client files. For financial planning clients, these goals and objectives are the basis for the recommendations that are made. For investment management clients, investment policy statements are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Types of Agreements The following agreements define the typical client relationships. Financial Planning Agreement A financial plan is designed to help the client with all aspects of financial planning without ongoing investment management after the financial plan is completed. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice and specific recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. Financial planning engagements terminate upon delivery of the financial plan to the client. A financial planning engagement is not an ongoing one. WCFP does not monitor assets, recommendations, or the implementation of a financial plan. Ongoing investment advisory services are discussed immediately below as asset allocation services. If a financial planning engagement is terminated before the presentation of the plan, WCFP does not bill the client for the preparation of the plan. Investment Management Agreement An Investment Management Agreement is executed related to asset allocation services when financial planning is not provided as part of the relationship. The asset allocation is guided by the client’s goals and objectives. The fee for providing the asset allocation services covered by the Investment Management Agreement is based on a percentage of assets under management. In some cases, fees may be negotiable. Fees for certain immediate family members, employees and employee's immediate family members are waived. Hourly Engagements WCFP provides hourly planning and investment management services for clients who need advice or investment management on a limited scope. The hourly rate is $305 per hour. The hourly fee (based on actual hours) is due upon presentation of the advice or completion of the service. Types of Investments Assets are invested primarily in no-load or low-load mutual funds and exchange- traded funds or notes, usually through discount brokers or fund companies. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Discount brokerages may charge a transaction fee for the purchase of some funds. Stocks and bonds may be purchased or sold through a brokerage account when appropriate. The brokerage firm charges a fee for stock and bond trades. WCFP does not receive any compensation, in any form, from fund companies. Investments may also include: equities (stocks), corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U. S. government securities, options contracts and futures contracts. Investment advice may be offered on any investments held by a client at the start of the advisory relationship. Recommendations for new investments will typically be limited to those listed above. Initial public offerings (IPOs) are not available through WCFP. Termination of Agreement A client agreement may be canceled at any time, by either party, for any reason upon receipt of 30 days written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. The client has the right to terminate any agreement without penalty within five business days after entering into the agreement.