Our firm is an independent investment advisory firm established in 1988. Organized as a corporation, our current owners are Anthony G. Tidswell, James A. Mikesell, II, and Eric M. Lans, each of whom are equal shareholders. First Financial Advisors provides discretionary investment management and financial planning services, which include giving you continuous advice and actively making investment decisions for you based on your individual needs. We primarily provide investment advice and investment management services regarding no-load, load-waived, and no transaction fee mutual funds. This consists of approximately 80% of our business. Additionally, we regularly furnish financial advice on matters not involving investment securities. This consists of approximately 20% of our business. The services provided, and the fees charged, are specified in your client agreement. The agreement also describes when and how advisory fees are to be collected and provides for termination of services at your discretion. Investment Management Services Our discretionary investment management services are tailored to your individual needs and may include assisting you in determining your financial objectives and risk tolerance and regularly evaluating your investment portfolio in light of them, as well as recommending changes to your portfolio based on this analysis. As discretionary money managers, you grant us the discretionary authority in our Investment Management Agreement to make investments for you without contacting you on each purchase or sale; however, if there are certain types of securities that you do not want us to invest in on your behalf, you may provide us with a written request to place a restriction on your account; we will gladly honor such requests. All of our services to you will be set forth in our Investment Management Agreement that we will enter into with you. As part of our investment management services, we will conduct an initial interview to determine your financial needs and objectives. As appropriate, and depending on the scope of our engagement, we will gather information about your past financial history, present condition, and your investment goals. We can provide planning for short-term goals (such as college funding) or for long-term goals (such as retirement planning), or other segments of an investment plan that you desire. The information we gather varies based upon your individual needs and objectives. As a result, we require your active participation while we formulate advice and recommendations. We do not independently verify the accuracy of the First Financial Advisors, Inc. 2 Firm Brochure information you provide and assume that it is reliable and current. We may request the names and relationships of other advisors (e.g., attorney, accountant, banker, etc.). After we evaluate your information, we will help you determine an appropriate asset allocation policy for your investment account, which must be approved by you. The asset allocation policy states your target asset allocation (a combination of stock- and bond-oriented investments in selected no-load, load-waived, or no transaction fee mutual funds and/or Exchange Traded Funds (ETFs)). We will consider various investment strategies to assist you in meeting your stated investment objectives and discuss these strategies with you. We will make note of any investment restrictions you may have. Additionally, we will try to accommodate legacy investment holdings you may have if the sale of such holdings would otherwise create unnecessary income tax liability. Your asset allocation policy will serve as the general guideline for how we manage your investment account. It is our intention to meet with you periodically, upon your request, or as often as mutually agreed upon. If there has been a change in your financial situation, we urge you to contact

us promptly as the new information may warrant a review or change in investment strategy or asset allocation. Financial Planning and Consulting Services We also offer tailored financial planning and consulting services. These consist of a wide range of topics you choose based on the level of service that you desire. Whether you decide to engage us to perform comprehensive financial planning or a more narrow approach to consult with you on a limited basis, you may select from a wide menu of financial topics in our Financial Planning and Consulting Agreement, including:  In-depth needs assessment and discussion of financial goals;  Preparation of financial statements;  Basic finance issues, such as debt restructure, liquidity and cash flow needs;  Development of investment strategies;  Income tax optimization strategies;  Education funding  Retirement planning, including funding and distribution strategies;  Social Security claiming strategies  Estate planning strategies (as pertaining to financial planning issues – we do not provide legal advice)  Survivor needs analysis and life insurance analysis;  Disability insurance analysis and long-term care insurance analysis;  Stock option exercise strategies, if applicable;  Business planning, if applicable;  Creation of a customized action plan, including specific recommendations; and  Periodic progress review and revision of plan goals. Our financial planning and consulting services are tailored to your specific circumstances. These services do not cover ongoing investment management or advisory services, as described above. Our project or hourly fees for these services are described below in the “Fees and Compensation” section. There is no minimum net worth required for our financial planning and consulting services. First Financial Advisors, Inc. 3 Firm Brochure Our Services With Respect to Defined Contribution Plans We may be engaged by the sponsor or trustees of self-directed, defined contribution pension and retirement plans to advise them about the plan’s investment menu. Typically, this entails evaluating and recommending the mutual funds available to the plan’s participants. We contract directly with the plan’s sponsor or trustees in our Plan Advisory Services Agreement. Our advisory fees are paid by the plan or its sponsor. For no additional charge, plan sponsors and trustees typically ask us to provide educational information and advice about the plan and its investment menu to the plan’s participants. Our advice to plan participants does not affect the amount of compensation our firm or our representatives receive from or with respect to the plan. Plan participants are not our clients, though they could independently retain our services to personally advise them about their own circumstances. If a participant engages us to advise about his or her personal circumstances, our fees are not based on the value of assets held in their plan account. Our advice to participants typically includes: (i) explaining the plan’s terms and benefits; (ii) suggesting an appropriate asset allocation from among the menu of available mutual funds in light of our general understanding of the participant’s age and personal circumstances; (iii) suggesting which of the available mutual funds are appropriate for the suggested asset allocation; and (iv) discussing mutual fund and participant-level account performance. In most cases, our consultations with participants are provided during on-site meetings at the plan sponsor’s premises. Our consultations with participants are customized to fit their personal circumstances, such as we would provide to Individually Managed Accounts as described above. Assets Under Management As of December 31, 2023, we had $265,624,356 in client assets under management. We manage all of these assets on a discretionary basis.