Bryspen, Incorporated (“Bryspen”) is an SEC-registered investment adviser with its current principal place of business located in Washington, D.C. and began conducting business as a registered investment advisor in 1993 with John S. Bryan as President and 100% stockholder. FINANCIAL PROFILE SERVICES We provide financial planning services via the production of a “Financial Profile” report. This report provides the client with a snapshot evaluation of their current and potential future financial state via the collection of known facts then used to estimate probable longer-term asset growth including the identification of retirement related income and/or other specific need distribution sources. Through the Financial Profile process, all questions, information and analysis are considered as they impact and are influenced by the entire financial and life situation of the client being served. Clients participating in this service receive a written report which provides them with summarized thoughts and suggestions designed to assist them in achieving their on-going as well as ultimate financial goals and objectives. In general, the Financial Profile can address any or all of the following areas:
• PERSONAL: A review of the client’s family records, spending habits, personal liabilities and financial goals.
• TAX: An analysis of the client’s income tax situation and planning for past, current and future years. Including discussions and information provided regarding the potential impact of various investments on the client's current and potential future tax liability.
• INVESTMENTS: We analyze current investments, future alternatives and their probable influence on the client's goals and objectives.
• INSURANCE: We check to ensure the client understands uses of and are comfortable with their current coverages for health, medigap, disability, life, umbrella liability, home, automobile and long-term care policies.
• RETIREMENT: We analyze current strategies and investment plans to help the client achieve overall family, as well as individual retirement goals.
• DEATH & DISABILITY: We review the client’s cash needs at death, likely income needs of surviving dependents, estate planning and disability income.
• ESTATE: We assist the client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, estate tax reviews, powers of attorney, asset protection plans, nursing homes, Medicaid and elder law. We gather required information through in-depth personal interviews. Such information includes the client's current financial status, tax exposures, future goals, returns objectives and attitudes towards the risks related to market volatility. We carefully review documents supplied by the client, including our client completed detailed questionnaire. Should they choose to implement the recommendations contained in the plan, we suggest the client work closely with his/her attorney, accountant or insurance professional. Implementation of Financial Profile recommendations is entirely at

the client's discretion. We also provide general non-securities related advice on topics that may include tax, estate and business planning. Typically, the Financial Profile is presented to the client within six months of the contract date, provided that all information required for its completion has been provided in a timely manner. Financial Profile recommendations are not limited to any specific product or service offered by a particular broker-dealer or insurance company. INVESTMENT SUPERVISORY SERVICES Our firm provides continuous advice to a client regarding the investment of their funds based on the individual needs of each client. Through the client’s completion of a questionnaire and personal discussions in which goals and objectives based on circumstances unique to them are established, we develop a client's personal investment policy and then allocate/manage a portfolio based upon that policy. During our data-gathering process, we determine the client’s individual objectives, time horizons, tolerance for market volatility and liquidity needs. As appropriate, we also review and discuss a client's prior investment history, as well as family composition and background. We typically manage these advisory accounts on a non-discretionary basis. As of 3/22/2024 financial markets close, we were managing non-discretionary client assets totaling approximately $262,392,685. Account supervision is guided by the client's stated objectives (i.e., pursuit of asset value preservation, nominal asset growth, moderate asset growth or maximum capital appreciation etc.), which include tax strategy considerations. Our investment recommendations are not limited to any specific product or service offered by a brokerdealer or insurance company and generally consists of objective advice regarding the following securities: Mutual funds, Exchange-listed securities, Securities traded over-the-counter, Foreign issuers, Warrants, Corporate debt securities (other than commercial paper), Certificates of deposit, Municipal securities, Variable life insurance, Variable annuities, Mutual fund shares, United States governmental securities, Options contracts on securities and Interests in partnerships investing in real estate and Interests in partnerships investing in oil and gas interests etc. Because many types of investments involve certain additional degrees of risk, such will only be suggested/implemented when consistent with the client's stated investment objectives, tolerance for market volatility, liquidity and suitability. CONSULTING SERVICES Clients can also receive planning and investment advice on a more focused basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, or other specific topics. We also provide specific consultation and administrative services regarding investment and financial concerns/needs of the client. Consulting suggestions are not limited to any specific product or service offered by a broker-dealer or insurance company. Executing any suggestions are entirely at the client’s discretion.