A. Pollock Planning Associates, Inc. (“Pollock Planning”) is a corporation formed in October 1985 under the law of the State of New Jersey. Pollock Planning became registered as an investment adviser registered with the Securities and Exchange Commission on May 30, 1986. Pollock Planning is solely owned by Steven Leonard Pollock and he is also the firm’s President. B. As discussed below, Pollock Planning offers to its clients (primarily high net worth individuals) investment advisory services on a discretionary basis and financial planning services. INVESTMENT MANAGEMENT SERVICES Pollock Planning provides discretionary investment management services on a fee-only basis as discussed at Item 5 below. We also offer to provide all clients with financial planning services. Pollock Planning’s services include investment management services, and, to the extent specifically requested by the client, financial planning and consulting services. In the event that the client requires extraordinary planning or consultation services (to be determined in the sole discretion of Pollock Planning), the firm may determine to charge for those additional services, the dollar amount of which will be agreed to between Pollock Planning and the client. Clients and prospective clients should review the disclosure under the heading “Limitations of Financial Planning and Non-Investment Consulting/Implementation Services” for more information about our planning and consulting services. To commence the investment advisory process, Pollock Planning will ascertain each client’s investment objective(s) and then allocate the client’s assets consistent with the client’s designated investment objective(s). Once allocated, Pollock Planning provides ongoing supervision of the account(s). FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE) Pollock Planning may also provide financial planning and related consulting services regarding matters such as tax and estate planning, insurance, etc. on a stand-alone basis per the terms and conditions of a separate written agreement and fee, the fee for which shall generally be based upon the individual providing the service and the scope of the services to be provided. Prior to engaging Pollock Planning to provide planning or consulting services, clients are generally required to enter into a Financial Planning and Consulting Agreement with Pollock Planning setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to Pollock Planning commencing services. If requested by the client, Pollock Planning may recommend the services of other professionals for implementation purposes (i.e. attorneys, accountants, insurance agents). The client is under no obligation to engage the services of any recommended professional. The client retains absolute discretion over all implementation decisions and is free to accept or reject any recommendation from Pollock Planning. If the client engages any recommended professional, and a dispute arises, the client agrees to seek recourse exclusively from the engaged professional. It remains the client’s responsibility to promptly notify Pollock Planning if there is ever any change in their financial situation or investment objectives so that Pollock Planning can review, and if necessary, revise its previous recommendations. MISCELLANEOUS Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. To the extent requested and engaged by a client to do so, Pollock Planning may provide financial planning and related consulting services regarding non-investment related matters, such as estate, tax, retirement, investments and insurance planning per the terms and conditions of the engagement. Pollock Planning will not assist in the implementation of any elements of a financial plan, unless it agrees to do so in writing, and even then its services are typically limited to investing a client’s assets. With the exception of a client’s investments managed by Pollock Planning, Pollock Planning does not monitor its financial planning recommendations, and clients are responsible for reviewing any financial plan with Pollock Planning. Pollock Planning does not serve as a law firm, accounting firm, or insurance agency, and no portion of Pollock Planning’s services should be construed as legal or accounting services. Accordingly, Pollock Planning does not prepare estate planning documents, tax returns or sell insurance products. To the extent requested by a client, Pollock Planning may recommend the services of other professionals for certain non-investment implementation purposes (i.e. attorneys, accountants, insurance agents). Clients are reminded that they are under no obligation to engage the services of any recommended professional. The client retains absolute discretion over all implementation decisions and is free to accept or reject any recommendation made by Pollock Planning. If the client engages any unaffiliated recommended professional, and a dispute arises, the client agrees to seek recourse exclusively from the engaged professional. Retirement Rollovers. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Pollock Planning recommends that a client roll over their retirement plan assets into an account to be managed by Pollock Planning, such a recommendation creates a conflict of interest if Pollock Planning will earn a new (or increase its current) compensation as a result of the rollover. If Pollock Planning provides a recommendation as to whether a client should engage in a rollover or not, Pollock Planning is acting as 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. No client is under any obligation to roll over retirement plan assets to an account managed by Pollock Planning. Pollock Planning’s Chief Compliance Officer, Steven Pollock, remains available to address any questions that a client or prospective client may have regarding the conflict of interest presented by such rollover recommendation. Use of Mutual Funds and Exchange Traded Funds. Pollock Planning utilizes mutual funds and exchange traded funds for its client portfolios. In addition to Pollock Planning’s investment advisory fee described below, and transaction and/or custodial fees discussed below, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g. management fees and other fund expenses). Please Note-Use of DFA Mutual Funds: Pollock Planning utilizes the mutual funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers approved by DFA. Thus, if the client was to terminate Pollock Planning’s services, and transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds, will generally apply. ANY QUESTIONS: Pollock Planning’s Chief Compliance Officer, Steven Pollock, remains available to address any questions that a client or prospective client may have regarding the above. Custodian Charges-Additional Fees. As discussed below at Item 12 below, when requested to recommend a broker-dealer/custodian for client accounts, Pollock Planning generally recommends that Schwab serve as the broker-dealer/custodian for client investment management assets. Broker-dealers such as Schwab charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian. While certain custodians, including Schwab, generally (with the potential exception for large orders) do not currently charge fees on individual equity transactions (including ETFs), others do. Please Note: there can be no assurance that Schwab will not change their transaction fee pricing in the future. The above fees/charges are in addition to Pollock Planning’s investment advisory fee at Item 5 below. Pollock Planning does not receive any portion of these fees/charges. ANY QUESTIONS: Registrant’s Chief Compliance Officer, Steven Pollock, remains available to address any questions that a client or prospective client may have regarding the above. Cash Positions. Pollock Planning continues to treat cash as an asset class. As such, unless determined to the contrary by Pollock Planning, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Pollock Planning’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Pollock Planning may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Pollock Planning’s advisory fee could exceed the interest paid by the client’s money market fund. ANY QUESTIONS: Pollock Planning’s Chief Compliance Officer, Steven Pollock, remains available to address any questions that a client or prospective client may have regarding the above fee billing practice. Cash Sweep Accounts. Account custodians generally require that cash proceeds from account transactions or cash deposits be swept into and/or initially maintained in the custodian’s sweep account. The yield on the sweep account is generally lower than those available in money market accounts. To help mitigate this issue, Pollock Planning shall generally purchase a higher yielding money market fund available on the custodian’s platform with cash proceeds or deposits, unless Pollock Planning reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to, the amount of dispersion between the sweep account and a money market fund, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. ANY QUESTIONS: Pollock Planning’s Chief Compliance Officer, Steven Pollock, remains available to address any questions that a client or prospective client may have regarding the above. Other

Assets. A client may:
• hold securities that were purchased at the request of the client or acquired prior to the client’s engagement of Pollock Planning. Generally, with potential exceptions, Pollock Planning does not/would not recommend nor follow such securities, and absent mitigating tax consequences or client direction to the contrary, would prefer to liquidate such securities. Please Note: If/when liquidated, it should not be assumed that the replacement securities purchased by Pollock Planning will outperform the liquidated positions. To the contrary, different types of investments involve varying degrees of risk, and there can be no assurance that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Pollock Planning) will be profitable or equal any specific performance level(s)In addition, there may be other securities and/or accounts owned by the client for which Pollock Planning does not maintain custodian access and/or trading authority; and,
• hold other securities and/or own accounts for which Pollock Planning does not maintain custodian access and/or trading authority. Corresponding Services/Fees: When agreed to by Pollock Planning, Pollock Planning shall: (1) remain available to discuss these securities/accounts on an ongoing basis at the request of the client; (2) monitor these securities/accounts on a regular basis, including, where applicable, rebalancing with client consent;(3) shall generally consider these securities as part of the client’s overall asset allocation; and, (4) report on such securities/accounts as part of regular reports that may be provided by Pollock Planning; and, (5) include the market value of all such securities for purposes of calculating advisory fee. ESG: We don’t have or recommend a strategy: Please Note: Socially Responsible (ESG) Investing Limitations. Socially Responsible Investing involves the incorporation of Environmental, Social and Governance (“ESG”) considerations into the investment due diligence process. ESG investing incorporates a set of criteria/factors used in evaluating potential investments: Environmental (i.e., considers how a company safeguards the environment); Social (i.e., the manner in which a company manages relationships with its employees, customers, and the communities in which it operates); and Governance (i.e., company management considerations). The number of companies that meet an acceptable ESG mandate can be limited when compared to those that do not, and could underperform broad market indices. Investors must accept these limitations, including potential for underperformance. As with any type of investment (including any investment and/or investment strategies recommended and/or undertaken by Pollock Planning), there can be no assurance that investment in ESG securities or funds will be profitable, or prove successful. Pollock Planning does not maintain or advocate an ESG investment strategy, but will seek to employ ESG if directed by a client to do so. If implemented, Pollock Planning shall rely upon the assessments undertaken by the unaffiliated mutual fund, exchange traded fund or separate account manager to determine that the fund’s or portfolio’s underlying company securities meet a socially responsible mandate. WE DON’T RECOMMEND Cryptocurrency: For clients who want exposure to cryptocurrencies, including Bitcoin, Pollock Planning, will advise the client to consider a potential investment in corresponding exchange traded securities, or an allocation to separate account managers and/or private funds that provide cryptocurrency exposure. Crypto is a digital currency that can be used to buy goods and services, but uses an online ledger with strong cryptography (i.e., a method of protecting information and communications through the use of codes) to secure online transactions. Unlike conventional currencies issued by a monetary authority, cryptocurrencies are generally not controlled or regulated and their price is determined by the supply and demand of their market. Because cryptocurrency is currently considered to be a speculative investment, the Registrant will not exercise discretionary authority to purchase a cryptocurrency investment for client accounts. Rather, a client must expressly authorize the purchase of the cryptocurrency investment. Please Note: Pollock Planning does not recommend or advocate the purchase of, or investment in, cryptocurrencies. Pollock Planning considers such an investment to be speculative. Please Also Note: Clients who authorize the purchase of a cryptocurrency investment must be prepared for the potential for liquidity constraints, extreme price volatility and complete loss of principal. Portfolio Activity. Pollock Planning has a fiduciary duty to provide services consistent with the client’s best interest. Registrant will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Pollock Planning determines that changes to a client’s portfolio are unnecessary. Clients remain subject to the fees described in Item 5 below during periods of portfolio inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by the Pollock Planning will be profitable or equal any specific performance level(s). Borrowing Against Assets/Risks. A client who has a need to borrow money could determine to do so by using:
• Margin-The account custodian or broker-dealer lends money to the client. The custodian charges the client interest for the right to borrow money and uses the assets in the client’s brokerage account as collateral. These above-described collateralized loans are generally utilized because they typically provide more favorable interest rates than standard commercial loans. These types of collateralized loans can assist with a pending home purchase, permit the retirement of more expensive debt, or enable borrowing in lieu of liquidating existing account positions and incurring capital gains taxes. However, such loans are not without potential material risk to the client’s investment assets. The lender (i.e. custodian, bank, etc.) will have recourse against the client’s investment assets in the event of loan default or if the assets fall below a certain level. For this reason, Pollock Planning does not recommend such borrowing unless it is for specific short-term purposes (i.e. to purchase a new residence). Pollock Planning does not recommend such borrowing for investment purposes (i.e. to invest borrowed funds in the market). Regardless, if the client was to determine to utilize margin, the following economic benefits would inure to Pollock Planning:
• by taking the loan rather than liquidating assets in the client’s account, Pollock Planning continues to earn a fee on such Account assets; and,
• if the client invests any portion of the loan proceeds in an account to be managed by Pollock Planning, Pollock Planning will receive an advisory fee on the invested amount. Please Note: The Client must accept the above risks and potential corresponding consequences associated with the use of margin. ByAllAccounts. Pollock Planning may provide, via ByAllAccounts and for no additional fee, periodic comprehensive reporting services, which can incorporate all of the client’s investment assets including those investment assets that are not part of the assets managed by Pollock Planning (the “Excluded Assets”). Unless agreed to otherwise, the client and/or his/her/its other advisors that maintain trading authority, and not Pollock Planning, shall be exclusively responsible for the investment performance of the Excluded Assets. Unless also agreed to otherwise, Pollock Planning does not provide investment management, monitoring or implementation services for the Excluded Assets. If the Pollock Planning is asked to make a recommendation as to any Excluded Assets, the client is under absolutely no obligation to accept the recommendation, and Pollock Planning shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. The client can engage Pollock Planning to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Investment Advisory Agreement between Pollock Planning and the client. Cybersecurity Risk. The information technology systems and networks that Pollock Planning and its third-party service providers use to provide services to Pollock Planning’s clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Pollock Planning’s operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Pollock Planning are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although Pollock Planning has established its systems to reduce the risk of cybersecurity incidents from coming to fruition, there is no guarantee that these efforts will always be successful, especially considering that Pollock Planning does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Client Obligations. In performing its services, Pollock Planning will not be required to verify any information received from the client or from the client’s other designated professionals and is expressly authorized to rely on that information. Moreover, each client is advised that it remains their responsibility to promptly notify Pollock Planning if there is ever any change in their financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. C. Pollock Planning provides investment advisory services specific to the needs of each client. Prior to providing investment advisory services, an investment adviser representative will ascertain each client’s investment objectives and select an appropriate investment strategy. Pollock Planning then invests the client’s assets consistent with the client’s designated investment strategy. The client may, at any time, impose reasonable restrictions, in writing, on Pollock Planning’s services. D. Pollock Planning does not participate in a wrap fee program. E. As of December 31, 2023 Pollock, Planning had $153,129,998in assets under management on a discretionary basis.