Firm Description and Types of Advisory Services Successful Money Strategies, Inc. is a financial planning and investment management firm created in 1993 to help individuals, charities and small businesses. It is solely owned by Dennis J. O’Keefe, CFP®, who believes that the firm’s greatest asset is its focus on each client’s successful retirement. Types of Advisory Services Financial Planning Virtually all relationships begin with some sort of financial plan. In most cases, that means a formal written financial plan. For simpler cases – especially at younger ages – that may mean a list of recommendations to move the client in the right financial directions. A financial plan shows a client where they are today, where they will be in the future, and steps necessary to get there. We help our clients define their goals and objectives. Our financial plans cover a broad spectrum of areas relating to their present security and future well-being. After developing the financial plan, we help our clients follow through on the actions recommended. Such actions can include developing automatic investment plans, redirecting existing investments, and designing portfolios to minimize taxes. The financial planning process almost always involves an analysis of the client’s portfolio. We start with a detailed evaluation of their current holdings. In most cases, we recommend the use of mutual funds and other investment vehicles to help diversify a client’s portfolio. Investment Management Services Successful Money Strategies, Inc. provides ongoing discretionary investment management services. We adhere to a series of custom Asset Allocation models fit to the needs of each individual client. Investments include mutual funds, bonds and bond funds, and CD’s. On very rare occasions, we may invest in individual stocks or other investments based on a client’s specific financial situation. This is rare and only in special circumstances and is not part of our normal course of business. Tailored Relationships Successful Money Strategies, Inc. tailor’s investment advisory services to the individual needs of the client. The goals and objectives for each client are documented in our client relationship management system. Investment policy statements are created that reflect the stated goals and objective. Successful Money Strategies, Inc.’s clients are allowed to impose restrictions on the investments in their account. Successful Money Strategies, Inc. may accept any reasonable limitation or restriction to discretionary authority on the account placed by the

client. All limitations and restrictions placed on accounts must be presented to Successful Money Strategies, Inc. in writing. Fiduciary Statement We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act, (“ERISA”) and/or the Internal Revenue Code, (“IRC”), as applicable, which are laws governing retirement accounts. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. We must take into consideration each client’s objectives and act in the best interests of the client. We are prohibited from engaging in any activity that is in conflict with the interests of the client. We have the following responsibilities when working with a client:
• To render impartial advice;
• To make appropriate recommendations based on the client’s needs, financial circumstances, and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented in an accurate manner and not in a way to mislead;
• To have a reasonable basis, information, and understanding of the facts in order to provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and
• Treat clients fairly and equitably. Regulations prohibit us from:
• Employing any device, scheme, or artifice to defraud a client;
• Making any untrue statement of a material fact to a client or omitting to state a material fact when communicating with a client;
• Engaging in any act, practice, or course of business which operates or would operate as fraud or deceit upon a client; or
• Engaging in any manipulative act or practice with a client. We will act with competence, dignity, integrity, and in an ethical manner, when working with clients. We will use reasonable care and exercise independent professional judgement when conducting investment analysis, making investment recommendations, trading, promoting our services, and engaging in other professional activities. Wrap Fee Programs Successful Money Strategies, Inc. does not participate in a Wrap Fee Program. Assets Under Management As of January 5, 2023, Successful Money Strategies, Inc. manages approximately $161,442,000 assets. All assets are managed on a discretionary basis.