Services SK Wealth is a fee only financial planning and investment management firm. We offer to provide financial, estate, retirement, charitable, tax, and investment management planning services. As such, compensation for these services is derived exclusively from fees. SK Wealth does not earn commissions (or have any other related compensation arrangements) from the sale of investment or insurance-related products. SK Wealth conducts asset allocation and provides investment management through the selection of mutual funds and ETFs (electronically traded funds). Clients may impose restrictions on investing in certain securities or types of securities. Our philosophy is to provide financial services that are responsive to our clients’ unique goals and objectives that are identified during the financial planning process. In formulating and implementing strategies, we may, to the extent requested, act as the financial “facilitator” by coordinating the services of other specialists. This process requires a high degree of client involvement. As such, we are committed to educating our clients on the fundamental economic and financial issues relating to their overall financial framework. SK Wealth generates its revenue in the following categories: Category Percentage Investment management fees 95% Financial planning fees 2% Tax return preparation/other fees 3% SK Wealth was organized in the State of Rhode Island in July 1998 and is registered with the Securities and Exchange Commission as an investment advisor. That registration does not imply a certain level of skill or training. As of December 31, 202, SK Wealth managed discretionary assets of approximately $422,469,000 and non-discretionary assets of approximately $6,370,000 for a total of $428,839,000. SK Wealth requires those employees who determine or give investment advice to be college graduates. In addition, our financial planners generally are required to be Certified Financial Planner™ certificants (or working toward that designation) and/or Certified Public Accountants. Miscellaneous Financial Planning and Non-Investment Consulting/Implementation Services To the extent requested by the client, SK Wealth will generally provide financial planning and related consulting services regarding non-investment related matters, such as tax and estate tax planning, insurance, etc., per the terms and conditions of a Financial Planning and Consulting Agreement and separate fee (see Item 5 below) Thereafter, SK Wealth will generally provide such consulting services inclusive of its advisory fee set forth at Item 5 below (exceptions do occur based upon assets under Page 5 of 19 management (generally for those clients that maintain less than $500,000 under management), special projects, stand-alone planning engagements, etc., for which the Firm may charge a separate or additional fee). Please Note: SK Wealth does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, SK Wealth does not prepare legal documents, or sell insurance products. If requested by a client (generally for those clients that maintain more than $1,000,000 under management), SK Wealth will provide tax preparation services for a separate and additional fee, per the terms and conditions of a separate written agreement. To the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purpose (i.e. attorneys, accountants, insurance, etc.), , including Sansiveri, Kimball & Co., L.L.P. (Sansiveri), a CPA firm with whom the Firm is associated (see disclosure at Item 10 below). 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 SK Wealth. Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged unaffiliated licensed professional[s] (i.e. attorney, accountant, insurance agent, etc.), and not SK Wealth, shall be responsible for the quality and competency of the services provided. Client Obligations In performing its services, SK Wealth 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. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify SK Wealth if there is ever any change in his/her/its financial situation or investment objectives for reviewing/ evaluating/revising SK Wealth’s previous recommendations and/or services. Please Note: Retirement Rollovers-No Obligation/Conflict of Interest A client or prospective client is under absolutely no obligation to engage SK Wealth as the investment advisor for his/her employer sponsored retirement account. Rather, a client can continue to self-direct his/her retirement account at his/her employer. If the client determines that he/she would like SK Wealth's assistance, SK Wealth shall charge a separate and additional advisory fee for its ongoing advisory services. The client will not incur this separate and additional advisory fee if he/she determines to continue to self-direct his/her account. As a result, any recommendation by SK Wealth that a client engage SK Wealth to manage his/her retirement account that would result in SK Wealth earning a new or additional fee, presents a conflict of interest, since SK Wealth shall derive an economic benefit from such engagement. Again, a client is under absolutely no obligation to engage SK Wealth as the investment advisor for his/her retirement account. ANY QUESTIONS: SK Wealth’s Chief Compliance Officer, Jason E. Archambault, remains available to address any questions that a client may have regarding their prospective engagement and the corresponding conflict of interest presented by such engagement. Portfolio Activity. SK Wealth has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, SK Wealth will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account Page 6 of 19 additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when SK Wealth determines that changes to a client’s portfolio are neither necessary nor prudent. Clients remain subject to the fees described in Item 5 below during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by SK Wealth will be profitable or equal any specific performance level(s). Custodian Charges-Additional Fees: As discussed below at Item 12 below, when requested to recommend a broker-dealer/custodian for client accounts, SK Wealth generally recommends that Schwab serve as the broker-dealer/custodian for client investment management assets. Broker-dealers such as Schwab charge transaction fees for effecting certain securities transactions. In addition to SK Wealth’s investment advisory fee referenced in Item 5 below, the client will also incur transaction fees to purchase securities for

the client’s account (primarily mutual funds). ANY QUESTIONS: SK Wealth’s Chief Compliance Officer, Jason Archambault, remains available to address any questions that a client or prospective client may have regarding the above. Socially Responsible Investing Limitations. Certain clients desire to invest all, or a portion, of their investment portfolio in socially responsible mutual funds (the “Funds”) (i.e., mutual funds that have a mandate to avoid, when possible, investments in alcohol, tobacco, firearms, oil drilling, etc.). The number of the Funds are substantially few when compared to those that do not maintain such a mandate. The Funds have historically underperformed broad market indices. The Client is under no obligation to invest any portion of their portfolio in the Funds. The Client must accept the above limitations regarding the Funds, including historical underperformance. Interval Funds/Risks and Limitations: Where appropriate, SK Wealth may utilize interval funds. An interval fund is a non-traditional type of closed-end mutual fund that periodically offers to buy back a percentage of outstanding shares from shareholders. Investments in an interval fund involve additional risk, including lack of liquidity and restrictions on withdrawals. During any time periods outside of the specified repurchase offer window(s), investors will be unable to sell their shares of the interval fund. There is no assurance that an investor will be able to tender shares when or in the amount desired. There can also be situations where an interval fund has a limited amount of capacity to repurchase shares and may not be able to fulfill all purchase orders. In addition, the eventual sale price for the interval fund could be less than the interval fund value on the date that the sale was requested. While an internal fund periodically offers to repurchase a portion of its securities, there is no guarantee that investors may sell their shares at any given time or in the desired amount. As interval funds can expose investors to liquidity risk, investors should consider interval fund shares to be an illiquid investment. Typically, the interval funds are not listed on any securities exchange and are not publicly traded. Thus, there is no secondary market for the fund’s shares. Because these types of investments involve certain additional risk, these funds will only be utilized when consistent with a client’s investment objectives, individual situation, suitability, tolerance for risk and liquidity needs. Investment should be avoided where an investor has a short-term investing horizon and/or cannot bear the loss of some, or all, of the investment. There can be no assurance that an interval fund investment will prove profitable or successful. In light of these enhanced risks, a client may direct SK, in writing, not to employ any or all such strategies for the client’s account. Please Note-Use of Mutual and Exchange Traded Funds: Most mutual funds and exchange traded funds are available directly to the public. Thus, a prospective client can obtain many of the funds that may be utilized by SK Wealth independent of engaging SK Wealth as an investment advisor. However, Page 7 of 19 if a prospective client determines to do so, he/she will not receive SK Wealth initial and ongoing investment advisory services. Please Note: In addition to SK Wealth’s investment advisory fee described below, and transaction and/or custodial fees discussed above, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g. management fees and other fund expenses). ANY QUESTIONS: SK Wealth’s Chief Compliance Officer, Jason Archambault, remains available to address any questions that a client or prospective client may have regarding the above. Please Note: Non-Discretionary Service Limitations Clients that determine to engage SK Wealth on a non-discretionary investment advisory basis must be willing to accept that SK Wealth cannot affect any account transaction(s) without obtaining prior verbal consent to any such transaction(s) from the client. Thus, if SK Wealth would like to make a transaction for a client’s account, and client is unavailable, SK Wealth will be unable to affect the account transaction (as it would for its discretionary clients) without first obtaining the client’s verbal consent. 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 SK Wealth) will be profitable or equal any specific performance level(s). ERISA / IRC Fiduciary Acknowledgment If the client is: (i) a retirement plan (“Plan”) organized under the Employee Retirement Income Security Act of 1974 (“ERISA”); (ii) a participant or beneficiary of a Plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code, with authority to direct the investment of assets in his or her Plan account or to take a distribution; (iii) the beneficial owner of an Individual Retirement Account (“IRA”) acting on behalf of the IRA; or (iv) a Retail Fiduciary with respect to a plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code: then the firm represents that it and its representatives are fiduciaries under ERISA or the Internal Revenue Code, or both, with respect to any investment advice provided by the firm or its representatives or with respect to any investment recommendations regarding an ERISA Plan or participant or beneficiary account. ERISA Plan and 401(k) Individual Engagements: Trustee Directed Plans. We can be engaged to provide discretionary and/or non-discretionary investment advisory services to ERISA retirement plans, whereby we manage Plan assets consistent with the investment objective designated by the Plan trustees. In such engagements, we will serve as an investment fiduciary as that term is defined under ERISA. We will generally provide services on an “assets under management” fee basis per the terms and conditions of an Investment Advisory Agreement. Page 8 of 19 Participant Directed Retirement Plans. We can also provide investment advisory and consulting services to participant directed retirement plans per the terms and conditions of our Retirement Plan Services Agreement. For such engagements, we typically assist the Plan sponsor with the selection of a broad range of investment alternatives from which Plan participants shall select in making their respective investment choices (which may include investment models devised and managed by us on a discretionary basis), and, to the extent engaged to do so, we may also provide corresponding education to assist the participants with their decision making process. Client Retirement Plan Assets. If requested to do so, we can provide investment advisory services relative to the client’s 401(k) plan assets. In such event, we allocate (or recommend that the client allocate) the retirement account assets among the investment options available on the 401(k) platform. Our ability shall be limited to the allocation of the assets among the investment alternatives available through the plan. We will not receive any communications from the plan sponsor or custodian, and it shall remain the client’s exclusive obligation to notify us of any changes in investment alternatives, restrictions, etc. pertaining to the retirement account.