FR Financial Advisors, LLC is owned by Allen C. Forrest and has been providing advisory services since 2005. As of December 31, 2023, FRFA managed $109,458,951 on a discretionary basis, $0 on a non- discretionary basis and advised on an additional $3,874,803 of self-directed retirement account assets and MY529 educational plans. Investment Management Services FRFA manages investment portfolios for individuals, qualified retirement plans, trusts, and small businesses. FRFA will work with the client to determine the client's investment objectives and investor risk profile and will design a written investment policy statement. FRFA uses investment and portfolio allocation software to evaluate alternative portfolio designs. FRFA evaluates the client's existing investments with respect to the client's investment policy statement. FRFA works with new clients to develop a plan to transition from the client's existing portfolio to the portfolio recommended by FRFA. FRFA will then continuously monitor the client's portfolio holdings and the overall asset allocation strategy and hold regular review meetings with the client regarding the account as necessary. FRFA will typically create a portfolio of no-load mutual funds, and using model portfolios if the models match the client's investment policy. FRFA will allocate the client's assets among various investments taking into consideration the overall management style selected by the client. FRFA primarily recommends portfolios consisting of mutual funds offered by Dimensional Fund Advisors (DFA). DFA sponsored mutual funds follow a passive asset class investment philosophy with low holdings turnover. Client portfolios may also include some individual equity securities. FRFA manages mutual fund and equity portfolios on a discretionary or nondiscretionary basis. Clients may impose any reasonable restrictions on FRFA’s discretionary authority, including restrictions on the types of securities in which FRFA may invest client’s assets and on specific securities, which the client may believe to be appropriate. FRFA also recommends fixed income securities to advisory clients. FRFA requires discretionary authority from advisory clients to manage fixed income assets. Discretionary authority is necessary to enable FRFA to purchase such assets in a timely manner when they are available at quoted prices. Employee Benefit Retirement Plan Services FRFA also provides advisory services to participant-directed retirement plans through third party administration services, which are online bundled service providers offering an opportunity for plan sponsors to provide their participants with daily account access, valuation, and investment education. FRFA will analyze the plan's current investment platform, and assist the plan in creating an investment policy statement defining the types of investments to be offered and the restrictions that may be imposed. FRFA will recommend investment options to achieve the plan's objectives, provide participant education meetings, and monitor the performance of the plan's investment vehicles. FRFA will recommend changes in the plan's investment vehicles as appropriate from time to time. FRFA generally will review the plan's investment vehicles and investment policy as necessary. For certain retirement plans, FRFA also works in coordination and support with Buckingham Strategic Partners. Retirement plan clients will engage both FRFA and Buckingham Strategic Partners. Buckingham Strategic Partners will provide to the client additional discretionary investment management services and will exercise discretionary authority to select the plan investments made available to the plans’ participants by selecting and maintaining

the plans’ investments according to the goals and investment objectives of the plan. FRFA will continue to work with plans to monitor plan investments, provide fiduciary plan advice including regular considerations of the goals and objectives of the plan, and provide participant education services to the plan. Consulting Services Clients can also receive investment advice on a more limited basis. This includes advice on only an isolated area(s) of concern such as estate planning, retirement planning, reviewing a client's existing portfolio, or any other specific topic. FRFA also provides specific consultation and administrative services regarding investment and financial concerns of the client. Additionally, FRFA provides advice on non-securities matters. Generally, this is in connection with the rendering of estate planning, insurance, and/or annuity advice. Insurance Services FRFA is a licensed insurance agency that offers and sells term and permanent life insurance products, long-term care products, disability insurance, life settlements and fixed annuity products. Employees of FRFA are licensed in their individual capacity and are therefore able to recommend and sell insurance products, including annuity products. As such, these individuals will be able to receive separate, yet customary commission compensation resulting from implementing product transactions on behalf of advisory clients. Additionally, FRFA will receive all commissions paid by the insurers. Financial Planning Services FRFA also provides advice in the form of Financial Planning. Clients utilizing this service will receive financial planning advice. Various types of reports or financial analysis may be provided to the client. The types of reports provided to clients will vary depending upon the services requested by the client. In general, the financial analysis or reporting will address one or all of the following areas of concern: - PERSONAL: Family records, budgeting, personal liability, estate information and financial goals. - TAX & CASH FLOW: Income tax and spending analysis and planning for past, current and future years. FRFA may illustrate the impact of various investments on a client’s current income tax and future tax liability. - INVESTMENTS: Analysis of investment alternatives and their effect on a client’s portfolio. - INSURANCE: Review of existing policies to ensure proper coverage for life, health, disability, long- term care, liability, home and automobile. - RETIREMENT: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals. - DEATH & DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis. - EDUCATION: Education IRAs, financial aid, state savings plans, grants and general assistance in preparing to meet dependent’s continuing educational needs through development of an education plan. Financial planning advice also includes non-securities advice on topics such as tax and budgetary planning, estate planning and business planning. FRFA gathers required information through in-depth personal interviews. Information gathered includes a client’s current financial status, future goals and attitudes towards risk. Related documents supplied by the client are carefully reviewed and various types of written reports are prepared by FRFA. Should a client choose to implement the recommendations in the report(s), FRFA suggests the client work closely with his/her attorney, accountant or insurance agent. Implementation of financial plan recommendations is entirely at the client’s discretion and the client is under no obligation to effect transactions through FRFA.