Consolidated Portfolio Review (hereafter “CPR”) is an SEC registered investment advisory firm operating under the umbrella company called, Vanderbilt Financial Group. CPR provides comprehensive investment services after a careful review of a client’s financial position and an analysis of their investment objectives. Strategic asset allocation decisions are used to make investments in individual equity securities, bonds, mutual funds, Exchange Traded Funds (“ETFs”), and other securities. CPR is an investment adviser that consists of independent contractors who have affiliated with CPR as Advisor Representatives to offer the advisory programs described within this brochure. The Advisor Representatives each have their own businesses and offices where they conduct not only advisory business but also provide other financial services. Some of our Advisor Representatives operate under their own business name as a “dba”. Information regarding your Advisor Representative may be found in the Representative’s Part 2B (Brochure Supplement). Advisor Representatives may offer some or all of the advisory services and programs disclosed in this brochure. The education, experience and skills of the Advisor Representative vary, and the fees charged by the various Advisor Representatives are not directly tied to their education, experience, or skill. Therefore, you are advised that your selected Advisor Representative may charge you more or less for similar services compared to another Advisor Representative who may have more training, education, and experience in the financial services profession. Please refer to the Brochure Supplement for more information regarding your Advisor Representative. You are advised the investment recommendations and advice offered by CPR and the Advisor Representative are not legal advice or accounting advice. You should coordinate and discuss the impact of financial advice with your attorney and/or accountant. You are advised that it is necessary to inform CPR, or your Advisor Representative, promptly with respect to any changes in your financial situation, investment goals or investment objectives. Failure to notify CPR, or your Advisor Representative, of any such changes could result in investment recommendations not meeting your expectations. As of 12/31/2023, CPR has approximatively 905,610,357 of client assets under management of which $862,442,322 is discretionary and $43,168,025 is non-discretionary. Consolidated Portfolio Review Programs CPR Managed Account Program CPR offers a discretionary or non-discretionary managed platform. In both instances, a portfolio is customized to the individual needs, investment objectives and risk profile of the client. Each client’s account is individually managed by an Investment Advisor Representative (“Advisor”) of CPR. In the discretionary account, your CPR Advisor will manage the account and will make changes to the allocation as deemed appropriate. The Advisor will determine the securities to be purchased and sold in the account and will alter the securities holdings from time to time without prior consultation with you. CPR may actively trade securities and hold such positions for periods of 30 day or less or maintain positions for longer- or shorter-term periods. Discretionary authority will be granted by you via

the execution of the CPR Investment Advisory Agreement. If you elect to have your accounts managed on a non-discretionary basis, no changes will be made to the account investment positions without prior consultation with you and your expressed consent. Typically, managed portfolios may consist of equities, mutual funds, bonds, exchange traded funds (ETFs), and other securities as initially agreed to between you and the Advisor Representative. In both discretionary and non-discretionary accounts, the advisory services are tailored to your individual needs. You may impose restrictions and/or limitations on the investing in certain securities or types of securities. Financial Planning/Consulting Services If a client elects Financial Planning/Consulting Services, the client will have the choice of: Hourly Financial Planning/Consulting Annual Planning Services Financial Planning/Consulting may or may not be investment related. Typical services range from income tax/cash flow analysis, estate planning services, business valuation, buy-sell analysis, executive benefit analysis, government benefit analysis and more. Annual Planning Services which will include a financial analysis, any updates in the financial analysis as requested by the client, and consultation services upon the client's request during a one- year period. Third-Party Investment Advisors Separately Managed Accounts CPR has also contracted with Third-Party Investment Advisors who provide sophisticated investment management and client relationship tools for advisory clients of CPR. The CPR Advisor Representative may recommend the client allocate a portion of a client’s investment assets among unaffiliated independent third-party Investment Advisors / separately managed account platforms (“Independent Third-Party Advisor(s)”) in accordance with the client’s designated investment objectives according to the terms and conditions of a separate agreement between the client and the Independent Third-Party Advisor(s). In such situations, the Independent Third-Party Advisor(s) acting in a sub-advisor capacity shall have day-to-day responsibility for the active discretionary management of the allocated assets. The CPR Advisor Representative shall continue to render investment advisory services to the client relative to the ongoing monitoring and review of account performance, client investment objectives, and the investment assets not allocated to the Third-Party Advisor. The Advisor Representative generally considers the following factors when recommending to allocate investment assets to Independent Third-Party Advisor(s): the client’s designated investment objectives, management style, performance, reputation, financial strength, reporting, pricing, and research. The applicable advisory management fee charged by the Third-Party Advisor(s), any related platform fee, and the CPR Advisor Representative’s advisory fee will be reflected in the executed CPR Investment Advisory Agreement and/or the Third-Party Advisor’s Agreement executed by the client. Third-Party Advisor(s) may impose more restrictive account requirements and varying billing practices than CPR. In such instances, CPR may alter its corresponding account requirements and/or billing practices to accommodate those of the Third-Party Advisor(s).