Background InterVest is an independent, professional financial counseling firm, which has been in business since 1982. The principal owner is Richard Holleman Schoenfeld, President and Chief Compliance Officer. Financial Planning Services As financial advisers, InterVest recognizes that each client's financial situation is unique and must be analyzed before making recommendations. The planning process begins with a confidential meeting with the client to determine their specific needs and objectives. Next, an assessment of the client's financial position is made by reviewing their assets, liabilities, income, expenses, investments, insurance, and taxes, as well as retirement and estate planning. Following this extensive review, InterVest develops a Financial Plan – an individualized, financial blueprint for the present and the future. The Plan outlines viable investment and tax strategies, suggests feasible methods of funding children's education (if applicable), and notes changes that may be needed in retirement and/or estate plans. Life, health, disability, homeowner, and liability insurance are reviewed for suitability of coverage and cost. This Plan is presented and reviewed with the client. When assisting a client with the implementation of the Financial Plan, InterVest works with the client to reduce risk while increasing the chance of meeting their objectives. When providing investment advice to clients regarding their corporate retirement plan account or individual retirement account (IRA), InterVest is a fiduciary 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. Our fees may create conflicts with your interests, so InterVest operates in accordance with special guidelines that require us to act in your best interest and not to put our interest ahead of yours. InterVest often works with the client’s team of attorneys, accountants, real estate experts, investment advisers, and bankers. While these professionals usually focus on their specific disciplines, InterVest helps highlight overlapping issues and assists clients in making decisions that best meet their objectives. InterVest also has a strong network of successful and well-regarded professionals who complement our own financial planning expertise Form ADV, Part 2A: Firm Brochure Page 5 of 30 and who can be called upon to assist clients. InterVest helps clients in selecting additional professionals for their specific needs. While these professionals may also recommend InterVest to their clients, InterVest referral arrangements are limited to the third-party investment advisers highlighted in Item 14. Experience has shown that structuring a Financial Plan is not a one-time task. Rather, the Plan requires regular review and monitoring in light of changes to the client's goals, family needs, finances, and the constant modifications of the income and estate tax codes. (Note, however, that we do not provide legal advice about the tax codes.) As part of our continuous efforts to assist clients, InterVest encourages clients to contact us with questions throughout the year and to schedule annual financial reviews. In certain instances, the Principals of InterVest have agreed to act, individually, as Trustee, Co-Trustee, Successor Trustee, Personal Representative, and Power of Attorney on behalf of clients and family members. In these capacities, the Principals have discretionary authority to administer their required duties. See Item 15 on page 20 for additional custody information. Other Advisory Services Depending on the clients’ objectives, InterVest may recommend that clients participate in an investment program sponsored by SEI Investments Management Corporation (“SEI”). Through SEI’s program, InterVest provides the following advisory services. 1. InterVest assists clients in determining their risk profiles and investment objectives. The investment objectives,

investment time horizon, and risk profile are determined and agreed upon through an interview process and the completion of a questionnaire. 2. InterVest assists clients in setting relevant asset allocation policies. InterVest also assists clients in selecting an allocation of assets using mutual funds or separate account managers. This selection can include individual mutual funds or one of the many asset allocation models available through the program. The client may also elect that automatic rebalancing of the selected asset allocation take place each quarter. Form ADV, Part 2A: Firm Brochure Page 6 of 30 SEI is an investment adviser registered with the U.S. Securities and Exchange Commission. SIMC is an indirect wholly-owned subsidiary of SEI Investments Company, a publicly traded diversified financial services firm. Clients in the SEI program authorize InterVest to be their agent and attorney-in-fact, authorizing InterVest to provide instructions to SEI for transactions in the clients’ account and to take all other actions necessary or incidental to execution of such instructions. InterVest will generally not give any instruction to SEI without obtaining the client’s specific consent regarding the transaction, except under certain limited circumstances as described in Item 16. SEI selects the investment managers and funds available through the program. SEI also provides rebalancing services if elected by the client. For more information about the services provided by SEI and its affiliates in connection with these accounts, see SEI’s disclosure brochure, which is available through the SEC’s website at www.adviserinfosec.gov. SEI and InterVest are independent of each other and do not have an agency, employment, or adviser-client relationship. Therefore, InterVest has no authority to act on behalf of or obligate SEI, or to make any representations on SEI’s behalf. Outside of the SEI program, InterVest provides non-discretionary investment advice to certain clients with respect to the purchase and sale of investments that are held with a designated custodian. Clients typically engage InterVest to provide this advice in connection with the implementation of a Financial Plan. Certain institutional and individual clients engage InterVest to provide non- discretionary asset management consulting services. Depending on the client’s needs, InterVest may develop an asset allocation model based on the client’s objectives; evaluate the client’s investment strategy and assist in identifying and selecting investment managers to achieve the asset allocation model; assist the client in creating a monitoring system for the investment assets to ensure conformity with specific guidelines and performance objectives; review the custodial, trustee and safekeeping aspects of investment management to determine the appropriate level of services and fees; and/or periodic review of client’s asset allocation and investment performance and recommend modifications. The services to be provided on a non-discretionary basis are documented in the client’s Advisory Services Agreement. Form ADV, Part 2A: Firm Brochure Page 7 of 30 Tailored Services InterVest tailors its advisory services to the individual needs of its clients. InterVest recognizes that each client's financial situation is unique and must be thoroughly analyzed before making recommendations. Clients may impose restrictions on investment in certain types of securities. Wrap Fee Programs InterVest does not participate in wrap fee programs. Assets Under Management At the end 2023, InterVest had authority to manage accounts with assets totaling approximately $188,309,554 in assets. This included $83,531,058 on a limited discretionary basis and $104,778,496 on a non-discretionary basis. Additionally, InterVest maintains direct contractual agreements with several independent management firms that manage assets for InterVest clients. (See Items 5 and 14)