Viable is a registered investment adviser located in the Commonwealth of Pennsylvania. Viable has been providing investment advisory services since 2022. The principal owner is Paul Savini, CFP®. Viable provides financial planning, investment advisory, insurance consultancy and retirement plan advisory services. The firm offers its services to individuals, families, businesses, trusts and charitable organizations. DESCRIPTION OF SERVICES AND FEES Financial Planning Viable may provide its clients broad or focused financial planning and consulting services on topics including but not limited to Investments, Insurance, Education Funding, Cash Flow, Estate, Tax, and Retirement. Viable relies on the information received from clients and their professional advisers and does not independently verify any information received. At no time is the client ever under an obligation to act upon the financial planning recommendations, and if they do act upon the recommendations from Viable, they retain absolute discretion as to who or what firm they implement them with. Clients retain the responsibility to promptly notify Viable if anything in their financial situation changes that may affect previously made financial planning recommendations. Investment Advisory When we perform investment advisory services, we will do so on a discretionary basis. This means that while we will continue an ongoing relationship with each client, we will not seek specific approval of changes to the securities in client accounts. Clients can always make deposits or withdrawals in their accounts at any time. Because we take discretion when managing accounts, clients engaging us will be asked to execute a Limited Power of Attorney (granting us the discretionary authority over the client accounts) as well as an agreement that outlines the responsibilities of both the client and Viable. This Limited Power of Attorney does not grant Viable the authority to make any withdrawals or transfers in or out of a client account. Such transfers will only be made at the specific direction of the client. Advisory services are tailored to the specific needs of an individual client. Each client’s portfolio will be invested according to that client’s investment objectives. Viable determines these objectives with the client by conducting a thorough review of the client’s current situation and understanding their personal goals and objectives. Once we ascertain your objectives for each account, we will develop a portfolio we believe will best fit your needs. Clients may engage Viable to manage all or a portion of their assets. Viable allocates client assets primarily among multiple Exchange Traded Funds (ETF’s). Viable may in certain circumstances utilize Mutual Funds, Equities, Bonds and other securities necessary to meet client’s investment objectives. Viable may also direct or recommend how client’s assets should be allocated in variable annuity products, employer-sponsored plans, and/or 529 plans. Clients retain the responsibility to promptly notify Viable if anything in their financial situation changes that may impact previously made investment

recommendations. Retirement Plan Advisory Services Viable offers retirement plan investment advisory consulting services to assist plan fiduciaries to meet ERISA fiduciary responsibilities under section 404(c). Viable services include assistance in documenting a plan's Investment Policy Statement, providing an investment manager research and selection process, non-discretionary recommendations to maintain, remove or replace investment options, preparing periodic reports measuring investment performance, periodically meeting with plan fiduciaries, and providing periodic educational services to plan participants to both increase participant enrollment and promote general investment knowledge. Educational sessions will not consider the individual circumstances of plan participants and will be general in nature. Viable shall provide consulting services within the meaning of ERISA section 3(21) and as such Viable will act as the adviser making investment recommendations, but it is ultimately up to the plan sponsor to decide whether and how to implement recommendations. The details of the consulting service will be agreed upon in writing between Viable and the plan fiduciary. Also, under ERISA section 3(21), the plan participants are responsible for any individual investment selections made under the plan. Plan participants will not receive specific individual advice unless the participant has engaged Viable separately for such individual service. Viable also offers retirement plan investment management services. Viable investment management services offerings include discretionary authority to maintain, remove or replace investment options. Viable shall provide investment management services within the meaning of ERISA section 3(38) and as such Viable will exercise discretionary authority regarding the investments managed for the plan. Department of Labor Acknowledgement of Fiduciary Duty When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a Department of Labor rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Viable does not participate in wrap fee programs. As of March 28, 2024, Viable has $103,763,274 in assets under management. $103,585,074 of that amount is managed on a discretionary basis.