Firm Description FFI is the abbreviation of Future Finances Inc. The abbreviation will be used in the brochure. Future Finances Inc., FFI was founded in 1980. Future Finances Inc. 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 plan. FFI is also in the business of offering annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. FFI does not compensate for client referrals. Investment advice is an integral part of financial planning. In addition, FFI advises clients regarding cash flow, college planning, retirement planning, tax planning and estate planning. Investment advice is provided, with the client making the final decision on investment selection. FFI does not act as a custodian of client assets. The client always maintains asset control. FFI places trades for clients under a limited power of attorney. A written evaluation of each client's initial situation is provided to the client, often in the form of a net worth statement. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. 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 Owner Max T. Larsen is primary owner. Bradley Huffman is a partial owner of the firm. Types of Advisory Services FFI provides investment supervisory services, also known as asset management services and manages investment advisory accounts not involving investment supervisory services. FFI specializes in the use of technical analysis as part of the overall investment management services. On more than an occasional basis, FFI furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, and retirement planning. As of 12-31-2023, FFI manages approximately $238,824,931 in assets across approximately 646 accounts. These assets are managed on a discretionary basis. Tailored Relationships The goals and objectives for each client are documented in our client relationship management system. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without client consent. 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. FFI offers clients financial planning services that are designed to assist the client with business planning, retirement planning, life and health insurance, estate planning, tax planning, asset allocation and investment planning. In preparing a financial plan the client must provide FFI with their past financial history, present financial position and their current economic goals. FFI may obtain additional information from client documents such as wills, trust agreements, fringe benefit programs, tax returns, business agreements, insurance policies and programs, past and current investments (including cost basis, basis for investment, tax ramifications) investment objectives, income, expenses, other obligations, financial goals, other advisors to the client, family background, attorneys, accountants, banks, and all other information that economically effects the client. FFI will review and analyze the information provided for the purpose of preparing a report detailing the clients’ current financial condition. Based on the client’s goals and other factors the report will include detailed financial recommendations. This report will be provided to the client in the form of a plan that may be implemented at the client’s discretion. The client is solely responsible for the decision of whether to follow the recommendations made by the FFI representative. Implementing these recommendations may require the assistance of professionals who are unaffiliated with FFI. The services of such professionals will be provided at an additional fee to the client charged by and paid to the professional directly. No professionals will be involved without the client’s prior approval. The client at their discretion may implement the recommendations through FFI acting in the capacity of an Investment Advisor, or the client may implement the

recommendations on his or her own without further aid from FFI. If the client chooses to implement the recommendations through FFI, the representative may receive a commission to execute those transactions aside from any fee earned herein. Fees for financial planning services shall be charged on an hourly basis to review, prepare, analyze and present the client with a financial plan. The hourly rate shall range from $50 to $500 per hour and shall depend upon the experience and expertise of the advisor; the complexity and comprehensiveness of the service; and the client’s net worth. One-half of an estimated fee shall be payable by the client at the time the client signs the agreement. The remaining fee is due when the plan is presented to the client. An estimate of the fee shall be provided to the client in writing and must be accompanied with a disclosure statement. A client may terminate the agreement upon written notice. Any prepaid fees, which have been unearned, shall be returned to the client. The portion of any refund shall be calculated based on the amount of time spent on preparatory work and actual work at the predetermined hourly rate. The fee for a financial plan is predicated upon the facts known at the start of the engagement. The minimum fee is $1,250 and is not negotiable. Since financial planning is a discovery process, situations occur wherein the client is unaware of certain financial exposures or predicaments. In the event the client’s situation is substantially different than disclosed at the initial meeting, a revised fee will be provided for mutual agreement. The client must approve the change in advance of the additional work being performed when a fee increase is necessary. Advisory Service Agreement Most clients choose to have FFI manage their assets in order to obtain ongoing in-depth advice and life planning. Various aspects of the client’s financial affairs are reviewed. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. Advisor services are provided through Fidelity Institutional Wealth Services (IWS). IWS is a non-commission and advisory fee program where FFI provides investment advisory services with securities execution, custodial and other administrative services provided by Fidelity Registered Investment Advisor Group and its clearing broker dealer, IWS. Through this program, domestic stocks, exchanged traded funds (ETFs) corporate bonds, government bonds, no-load mutual funds, load-waived mutual funds, municipal bond funds, and ADRs may be utilized in an account. FFI will gather information on a client’s financial history, goals, objectives, and financial concerns and assist client in developing an asset allocation strategy. All information gathered from the client is confidential. Based on client’s investment objectives, risk tolerance, and financial situation, FFI will prepare a portfolio analysis and portfolio recommendations. Additionally, FFI will provide ongoing monitoring and periodically make recommendations for changes to the account as deemed necessary. The minimum account size requirement in order to participate in the Program is generally $500,000. The minimum account size may be waived at the sole discretion of management. Clients are advised that transactions in the account, account reallocations and rebalancing may trigger a taxable event for the client, with the exception of IRA accounts, 403(b) accounts and other qualified retirement accounts. Clients will pay an advisory fee to FFI in accordance with the fee schedule outline under Investment Advisory Fees section. Investment advisory fees are billed and payable quarterly in arrears and pro-rated for any additions or deletions during the quarter. The fee schedule may be lower based on the needs and financial complexity of the individual. Additionally, clients will pay transactional costs associated with each transaction. Transactional fees assessed by Fidelity for the purchase or sale of stocks or ETFs will vary based on the client account. For households with a value of $1,000,000 and greater or for accounts that subscribe to electronic delivery Fidelity’s transaction charge is $0. For households less than $1,000,000 or for those that do not elect electronic delivery, the transaction charge is $4.95. IWS provides full service brokerage accounts to clients. These accounts will be monitored by FFI. All investment decisions will be made by FFI in accordance with the client’s investment objectives set forth by the client. INVESTMENT ADVISORY Fee First $ 1.00 to $ 250,000 of investment assets 1.25% Next $ 250,000 to $ 500,000 of investment assets 1.00% Next $ 500,001 to $ 750,000 of investment assets 0.75% Next $ 750,001 to $1,000,000 of investment assets 0.50% Next $1,000,001 of investment assets and above 0.25% Clients can engage certain persons associated with FFI (but not FFI) to render securities brokerage services under a commission arrangement. Clients are under no obligation to engage such persons and may choose brokers or agents not affiliated with FFI. Under this arrangement, clients may implement securities transactions through certain of FFI’s Supervised Persons in their respective individual capacities as registered representatives of Triad Advisors, LLC., an SEC registered broker-dealer and member of FINRA. Triad may charge brokerage commissions to effect these securities transactions and thereafter, a portion of these commissions may be paid by Triad to such Supervised Persons. Prior to effecting any transactions clients are required to enter into a new account agreement with Triad. The brokerage commissions charged by Triad may be higher or lower than those charged by other broker-dealers. In addition, certain of FFI’s Supervised Persons may also receive ongoing 12b-1 fees for mutual fund purchases from the mutual fund company during the period that the client maintains the mutual fund investment. FFI’s Supervised Persons may recommend no-load funds. FFI does not charge an advisory fee on the same assets for which its Supervised Persons receive commissions. A conflict of interest exists to the extent that FFI recommends the purchase of securities where FFI’s Supervised Persons receive commissions or other additional compensation as a result of FFI’s recommendations. FFI has procedures in place to ensure that any recommendations made by such Supervised Persons are in the best interest of clients. For accounts covered by ERISA (and such others that FFI, in its sole discretion deems appropriate), FFI provides its investment advisory services on a fee-offset basis. In this scenario, FFI may offset its fees by an amount equal to the aggregate commissions and 12b-1 fees earned by FFI’s Supervised Persons in their individual capacities as registered representatives of Triad. If a mutual fund is held in an account, a client should understand mutual funds charge management fees and expenses. Because mutual funds pay advisory fees to their investment advisors and such fees therefore indirectly charged to all holders of mutual fund shares, clients with mutual funds in their portfolios are effectively paying both a direct management fee to Future Finances, Inc. and an indirect fee through the mutual fund for the management of those assets. Retainer Agreement Not applicable Tax Preparation Agreement Not applicable Asset Management Agreement Assets are invested primarily in no-load mutual funds and exchange-traded funds, 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 trades. FFI does not receive any compensation, in any form, from fund companies or brokerage firm for trading fees. Investments may also include: equities (stocks), corporate debt securities, certificates of deposit, municipal securities, investment company securities (mutual funds shares), U. S. government securities, and options contracts. Termination of Agreement A Client may terminate any of the aforementioned agreements at any time by notifying FFI in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. If the client made an advance payment, FFI will refund any unearned portion of the advance payment. FFI may terminate any of the aforementioned agreements at any time by notifying the client in writing. If the client made an advance payment, FFI will refund any unearned portion of the advance payment.