FM has provided investment advisory and financial planning services since January 1997 and has been registered with the SEC since November 1996. FM is organized as an Ohio Corporation, which is owned by fourteen individual shareholders, none of whom owns a majority of the firm. As a registered investment advisor with the SEC, and under the rules of ERISA (Employee Retirement Income Security Act), we provide advice in a fiduciary capacity, acting in our clients’ best interests first, above all others. If an account is part of a pension or other employee benefit plan (a “Plan”) governed by ERISA or an Individual Retirement Account (an “IRA”) governed by the Internal Revenue Code, we acknowledge that we are a “fiduciary” within the meaning of Section 3(21) of ERISA (but only with respect to the provision of services described in our Advisory Agreement). According to ERISA, the way we make money creates some conflicts of interest, so we operate under a special ERISA rule requiring us to act in your best interest and not put our interests ahead of yours. We represent that we are registered as an investment adviser and duly qualified to manage Plan assets under applicable regulations. Our mission is to assist our clients in achieving their financial goals. We are a “fee-only,” independent investment advisory firm, which means the only form of compensation are the fees we receive from clients (i.e. no commissions, referrals, etc.). We offer wealth management services through our two primary lines of business: financial planning; and investment management. Clients may engage us for financial planning only, investment management only, or for a combination of both services. As of December 31, 2023, FM managed over $2,211,786,346 in client assets on a discretionary basis, and $54,630,188 on a non-discretionary basis. Our services include the following: Wealth Management We bundle our investment management and financial planning services under a combined fee structure. Investment Management: As part of our Wealth Management Service, we provide the ongoing selection and management of investment portfolios for clients. In consideration with return objectives, risk tolerance, liquidity needs, time horizon, tax status, and any unique personal circumstances, we use a combination of individual securities, mutual funds, exchange traded funds, alternatives, and private investments. Generally, it is expected that your manageable financial assets are managed by us on a “discretionary” basis, meaning we are granted the authority by you to determine the securities or other assets to purchase or sell in the account. This discretion will remain in effect unless revoked by you or FM. We will monitor your managed account on an ongoing basis as part of our standard service. Financial Planning: We provide financial planning as part of a Wealth Management Agreement. Generally, a financial planning engagement consists of the following steps: o Evaluation of your current financial situation. o Discussion and definition of your financial goals. o Development of a plan, or a road map to attain your goals. o Assistance with implementation of the recommended actions. Financial planning is a process not a product and each client is unique. For that reason, we do not use “canned” financial planning software to create a “financial plan.” Our work “product” is our advice and counsel. We document our recommendations and analyses in writing, summarizing your key facts, and goals as well as our recommendations. We take a personalized approach to financial planning. We cannot prescribe remedies without first conducting a thorough review of your financial condition. Our financial planning service includes, but is not limited to, cash flow planning; retirement planning; investment planning & review; tax analysis; college funding analysis; insurance needs planning; and estate planning. We are comfortable working with other professionals such as bankers, attorneys, insurance agents, accountants, etc. We understand the importance of using other professionals as needed during all phases of the planning process. Institutional

Investment Management This service includes investment management for endowments, foundations, charities, non-profit organizations, insurance companies, corporations, and other institutions. We provide the ongoing selection and management of investment portfolios, using a combination of individual securities, mutual funds, and private investments, that takes into consideration your return objectives, risk tolerance, liquidity needs, time horizon, tax status, and any unique circumstances. Miscellaneous Charles Schwab Institutional Intelligent Portfolios Program (SIIP). (We no longer offer this service.). On a limited basis we had provide investment management services utilizing Charles Schwab’s Institutional Intelligent Portfolios™ Program, an automated, online investment management platform for use by independent investment advisors and sponsored by Schwab Performance Technologies, Inc. (SPT). Through this program, we offered clients a range of investment strategies we constructed and managed, each consisting of a portfolio of exchange traded funds (“ETFs”) and a cash allocation. For those clients still in the program the portfolio is held in a brokerage account opened by the client at SPT’s affiliate, Charles Schwab & Co., Inc. (Schwab). This program was described in the SPT Institutional Intelligent Portfolios™ disclosures, which were available and provided to clients by SPT during the online enrollment process. FM, and not Schwab, are the client’s investment advisor and primary point of contact with respect to the program. FM was solely responsible, (not Schwab), for determining the appropriateness of the program for the client, choosing a suitable investment strategy and portfolio for the client’s investment needs and goals, and managing that portfolio on an ongoing basis. SPT’s role was limited to providing Schwab’s Program disclosure information to clients and administering the program so that it operates as described. We contracted with Schwab to provide us with the technology platform and related trading and account management services for the program. This platform enabled us to make the Program available to clients online and included a system that automated certain key parts of our investment process. FM has procedures in place for monitoring the rebalancing in these accounts. Non-Investment Consulting/Implementation Services. To the extent requested by the client, FM may provide consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. Neither FM, nor any of its representatives, serves as an attorney or insurance agent, and no portion of FM’s services should be construed as same. To the extent requested by a client, FM may recommend the services of other professionals for certain non-investment implementation purposes (i.e. attorneys, accountants, insurance, etc.). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from FM. Please Note: If the client engages any unaffiliated recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Client Obligations. It remains the client’s responsibility to promptly notify FM if there is ever any change in their financial situation or investment objectives for the purpose of reviewing/evaluating/revising FM’s previous recommendations and/or services. In performing its services, FM shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by FM) will be profitable or equal any specific performance level(s).