Agili, P.C. (the “Firm”) is an independent, fee-only advisory firm providing comprehensive financial planning and investment management services for successful individuals, families, and institutions. As our clients’ Personal CFO, we focus on long-lasting relationships, personalized planning and financial management to create peace of mind and a path to their dreams. Agili is a corporation formed in January of 1993. Prior to May 1, 2018, Agili was named JoycePayne Partners, P.C. The founder and principal shareholder of the Firm is Michael Joyce, CFA, CFP®. Additional shareholders of the firm are Marilee Falco, CFP®, ChFC®, Jamie Malone, CFA, CFP®, CPA and Van Nguyen, FPQPTM. Agili is organized under the laws of the state of Pennsylvania and the United States of America. We work for clients across North America from our offices in Richmond, Virginia, and Bethlehem, Pennsylvania. We work with successful individuals and families as their personal Chief Financial Officer to simplify and manage their complex financial lives so that they may enjoy doing what they love. For the vast majority of our clients, we manage their investment accounts on a fully discretionary basis. Each client has a customized and personalized investment plan designed to meet their financial and family objectives. In our initial meetings, we take a close look at the needs of the client and their family, including financial goals and objectives; personal, family and business responsibilities; time horizon to realize investment success; and needs for interim liquidity to fund their lifestyle. We consider the amount of risk the client feels comfortable taking and the type(s) of assets currently owned. And we take into account any restrictions the client has on the types of securities the client is willing to own. With all of this in mind, we design a comprehensive investment policy, which sets out the long-term strategic allocation for the client’s

investment capital. We carefully select the investments in each asset class, sector and geography, accounting for risk and taxation, that best meet the client’s financial and family objectives. We continuously monitor the client’s accounts to ensure that investment performance is consistent with the long-term strategy, making tactical adjustments to investments owned as necessary to accommodate changes in the global markets. For some clients, we also provide supervisory services over other investments. These may include personal and investment real estate, family-owned or private companies, restricted stock and options, and insurance and annuity accounts not under our discretionary management. And, for all but a few investment management-only clients, we provide comprehensive financial planning advice in all areas, including cash flow planning, debt management, retirement planning, education funding, tax and estate planning, charitable gifting and philanthropic planning, and insurance analysis and risk management. When we provide financial planning services, we look at every aspect of a client’s financial situation to make sure that all of the pieces work together. We also monitor each client’s progress and address life and family issues as they inevitably arise, as a change in one area may well trigger the need for a change in another area. As examples, the purchase of a new life insurance policy will increase the size of an individual’s estate and may necessitate changes to his estate plan, and the addition of children may also alter the amount of insurance needed. Generally, we present a written financial plan to each client. In this plan, we analyze the client’s situation and make recommendations regarding how they can best work toward the achievement of their goals. Occasionally, we may provide verbal or written advice on specific financial matters that do not require the total financial planning process.