Firm Description Fee-Only Financial Planning, LC was founded in 1981. We are a fee-only financial planning firm. We do not sell insurance, annuities, stocks, bonds, mutual funds, or any other products. The firm is not affiliated with anyone that sells financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. We are compensated only by our clients. Our clients are individuals, trusts and estates. We offer advice on cash flow, tax planning, insurance review, investment evaluation, retirement, and estate planning. Investment advice is an integral part of financial planning. We do not act as a custodian of client assets. We may place trades for clients under a limited power of attorney when engaged to do so if assets are held at qualified custodians. We do not provide legal or accounting services. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client if needed. We offer complimentary exploratory interviews. These determine the extent to which financial planning and investment management may be beneficial to the client and if the prospective client profile is suitable to the firm. Any advice perceived to be offered then is impersonal, generic in nature and is for explanatory purposes only. Initial meetings require completion of a Financial Planning Checklist from www.feeonlyroanoke.com Principal Owners Andrew M. Hudick II owns 51%, Anne Marie Hudick 42%, Margaret Eden Bowen 7%. Types of Advisory Services SERVICES OFFERED We offer to provide financial planning and discretionary investment advisory services on a fee-only basis as discussed below. Before engaging us to provide investment advisory services, clients are required to enter into an Investment Advisory Agreement with us setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client. To commence the investment advisory process, we will ascertain each client’s investment objective(s) and then allocate the client’s assets consistent with the client’s designated investment objective(s). Once allocated, we provide ongoing supervision of the account(s). Our annual investment advisory fee shall generally (exceptions can occur-see below) include investment advisory services, and financial planning and consulting services as disclosed on the Investment Advisory Agreement. In the event that the client requires extraordinary planning and/or consultation services (to be determined in our sole discretion), we may determine to charge for such additional services, the dollar amount of which shall be set forth in a separate written notice to the client. Stand-Alone Financial Planning and Non-Investment Consulting Services. We may also provide financial planning and related consulting services regarding matters such as tax and estate planning, insurance, etc. on a stand-alone basis per the terms and conditions of a separate written agreement and fee, the fee for which shall generally be based upon the individual providing the service and the scope of the services to be provided. Prior to engaging us to provide planning or consulting services, clients are generally required to enter into a Financial Planning and Consulting Agreement or Limited Consulting Agreement with us setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to us commencing services. MISCELLANEOUS Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. To the extent requested by the client, we will generally provide financial planning and related consulting services regarding matters such as tax and estate planning, insurance, etc. We will generally provide such consulting services inclusive of our advisory fee set forth below (exceptions could occur based upon assets under management, extraordinary matters, special projects, stand-alone planning engagements, etc. for which the firm may charge a separate or additional fee). Please Note: We believe that it is important for the client to address financial planning issues on an ongoing basis. Our advisory fee, as set forth below, will remain the same regardless of whether or not the client determines to address financial planning issues with the firm. Please Also Note: We do not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, We do not prepare legal documents, prepare tax returns, or sell insurance products. 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.). The client is not under any obligation to engage any such professional(s). The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from our firm and/or its representatives. If the client engages any professional (i.e. attorney, accountant, insurance agent, etc.), recommended or otherwise, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from the engaged professional. At all times, the engaged licensed professional[s] (i.e. attorney, accountant, insurance agent, etc.), and not the firm, shall be responsible for the quality and competency of the services provided. Please Note: Retirement Rollovers-Potential for Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If we recommend that a client roll over their retirement plan assets into an account to be managed by the firm, such a recommendation creates a conflict of interest if we will earn new (or increase its current) compensation as a result of the rollover. If we provide a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), we are acting as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. No client is under any obligation to roll over retirement plan assets to an account managed by us, whether it is from an employer’s plan or an existing IRA. Our Chief Compliance Officer, Anne Marie Hudick, CFP, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Cash Sweep Accounts Account custodians generally require that cash proceeds from account transactions or cash deposits be swept into and/or initially maintained in the custodian’s sweep account. The yield on the sweep account is generally lower than those available in money market accounts. To help mitigate this issue, we shall generally purchase a higher yielding money market fund available on the custodian’s platform with cash proceeds or deposits, unless we reasonably anticipate that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to, the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. Please Note: The above does not apply to the cash component maintained within our actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any of our unmanaged accounts. Cybersecurity Risk. The information technology systems and networks that we and third- party service providers use to provide services to our clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in our operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and our advisors are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although we have established our processes to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that we do not directly control the cybersecurity measures and policies employed by third- party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Custodian Charges-Additional Fees As discussed below, when requested to recommend a broker-dealer/custodian for client accounts, we generally recommend that Charles Schwab & Co., Inc. (“Schwab”) serve as the broker-dealer/custodian for client investment management assets. Broker-dealers such as Schwab charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian (while certain custodians, including Schwab do not currently charge fees on individual equity transactions (including ETFs), others do. Please Note: there can be no assurance that Schwab will not change their transaction fee pricing in the future. Please Also Note: When beneficial to the client, individual fixed‐ income and/or equity transactions may be effected through broker‐dealers with whom we and/or the client have entered into arrangements for prime brokerage clearing services, including effecting certain client transactions through other SEC registered and FINRA member broker‐dealers (in which event, the client generally will incur both the transaction fee charged by the executing broker‐dealer and a “trade-away” fee charged by Schwab). These fees/charges are in addition to the firm’s investment advisory fee below. We do not receive any portion of these fees/charges. ANY QUESTIONS: Our Chief Compliance Officer, Anne Marie Hudick, CFP, remains

available to address any questions that a client or prospective client may have regarding the above. Portfolio Activity. We have a fiduciary duty to provide services consistent with the client’s best interest. We will review client portfolios on a contractually prescribed 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 additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when we determine that changes to a client’s portfolio are neither necessary, nor prudent. Clients remain subject to the fees described below during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by us will be profitable or equal any specific performance level(s). Reporting Services. We can also provide account reporting services, which can incorporate client investment assets that are not part of the assets that we manage (the “Excluded Assets”). Unless agreed to otherwise, the client and/or his/her/its other advisors that maintain trading authority, and not us, shall be exclusively responsible for the investment performance of the Excluded Assets. Unless also agreed to otherwise, Registrant does not provide investment management, monitoring or implementation services for the Excluded Assets. If we are asked to make a recommendation as to any Excluded Assets, the client is under absolutely no obligation to accept the recommendation, and we shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. The client can engage Registrant to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Investment Advisory Agreement between Registrant and the client. In the event that we provide the client with access to an unaffiliated vendor’s website such as ByAllAccounts, and the site provides access to information and/or concepts, including financial planning, the client, should not, in any manner whatsoever, infer that such access is a substitute for services provided by us. Rather, if the client utilizes any such content, the client does so separate and independent of us. Please Note-Use of Mutual and Exchange Traded Funds: We utilize mutual funds and exchange traded funds for its client portfolios. In addition to our 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). The mutual funds and exchange traded funds utilized by us are generally available directly to the public. Thus, a client can generally obtain the funds recommended and/or utilized by us, independent of engaging our firm as an investment advisor. However, if a prospective client does so, then he/she/they will not receive our initial and ongoing investment advisory services. Please Note – -Use of DFA Mutual Funds: Registrant utilizes the mutual funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers approved by DFA. Thus, if the client was to terminate our services, and transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds, will generally apply. Client Retirement Plan Assets. If requested to do so, we shall provide investment advisory services relative to 401(k) plan assets maintained by the client in conjunction with the retirement plan established by the client’s employer. In such event, we shall 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. Unless expressly indicated by us to the contrary, in writing, the client’s 401(k) plan assets shall be included as assets under management for purposes of us calculating its advisory fee. We shall not maintain client retirement account passwords. Please Note: Cash Positions. We continue to treat cash as an asset class. As such, unless determined to the contrary by us, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating our advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), we may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, our advisory fee could exceed the interest paid by the client’s money market fund. ANY QUESTIONS: Our Chief Compliance Officer, Anne Marie Hudick, CFP, remains available to address any questions that a client or prospective may have regarding the above fee billing practice. Client Obligations. In performing our services, we 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, it remains each client’s responsibility to promptly notify us if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. 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 us) will be profitable or equal any specific performance level(s). Disclosure Statement. A copy of our written Brochure and Client Relationship Summary, as set forth on Part 2 of Form ADV and Form CRS respectively, shall be provided to each client prior to the execution of any advisory agreement. We offer advice to financial planning clients regarding cash flow, investments, tax planning, insurance evaluation, retirement, and estate planning. We do not offer, or participate in, a wrap program. We provide ongoing investment management services and give objective advice regarding securities already held by clients. As of December 31, 2023, we managed approximately $340,966,902 in assets on a discretionary basis and $6,737,084 in assets on a non-discretionary basis. Tailored Relationships The goals and objectives for each client are evaluated when proposing the appropriate agreements which dictate how we deliver services. We provide these services within parameters agreed upon in writing. Clients may impose restrictions on security selection. Types of Agreements The following agreements define typical client relationships. We may offer specialized engagements that incorporate a portion of these services. Financial Planning Agreement – FIRST YEAR ENGAGEMENT Absent the discovery process that takes place within the context of a financial plan, critical factors may remain unknown which can jeopardize success. All financial planning agreements are offered in anticipation of renewal engagements. The financial plan may include a: net worth statement; cash flow summary; review and repositioning recommendations of investments; strategic tax planning; review of insurance policies; one or more retirement scenarios; estate planning review and education planning. Implementation is at the discretion of the client. Financial plans consist of a letter or series of letters and supporting documents personalized to the client that summarize objectives and provide advice consistent with attainment. We do not utilize boilerplate planning software. Implementation coordinated with client’s tax, insurance and legal professionals is included if desired. Fees are computed from a base rate of one percent (1%) of the investable assets of the client plus 1.5% of gross income. Calculated fees may be adjusted for perceived degree of complexity. A minimum financial planning fee of $10,000 is adjustable at our discretion. Fees are predicated upon facts known at the start of the engagement. If the client’s situation is substantially different than disclosed, a revised fee may be proposed. Clients must approve changes in advance when a fee increase is warranted. Fees for financial plans require a 25% retainer in advance with the balance due in three quarterly installments. Limited-Service Engagement We offer a limited-service engagement to typically young professional clients that do not fit our traditional service model. This short-term engagement ranges from 30-180 days. The flat fee is usually from $500-$2,000, adjusted according to the agreed upon timeframe and complexity involved. 50% of the total service fee is required as a retainer with the 50% balance due at the time of completion. Hourly Planning Engagements We do not provide hourly ongoing planning services. Hourly fees may be assessed for work outside the scope of current engagements for a planning client that needs an ancillary job performed. Fees are charged at $250 per hour for associate advisor and $500 per hour for senior advisor services. We may offer limited duration abbreviated planning engagements billed hourly that require 50% of the estimated fee as a retainer. Advisory Service Agreements- RENEWAL ENGAGEMENTS Retainer Agreements Provides semi-annual summarized review and analysis with personalized written recommendations. Minimum annual fee $7,500 billed quarterly in advance, adjustable at our discretion. Financial planning services may be included if detailed in your contract. Investment Advisor Agreement Provides quarterly detailed review, performance reporting and analysis with personalized written recommendations. Cost basis reconciliation is provided where possible. Ongoing financial planning consultation is included. First year fee is one percent (1%) of assets under management (AUM) annually billed quarterly in advance at 0.25%. After the first full year, fees are reduced to 0.75% AUM annually billed quarterly in advance at 0.1875%. Quarterly billing calculations are based on AUM value as of last day of the month of prior quarterly billing period using reasonably obtained reputable third-party valuation sources. Cash is considered an asset class and is included in fee calculations. Varying minimums may be imposed beginning at $10,000 annually. Reduced fees may be offered for engagements we perceive to be less complex. Termination of Agreement Clients may terminate agreements by providing written notice to Fee-Only Financial Planning, LC, 45 Sugar Mill Drive, Okatie, SC 29909. Clients remain financially responsible for services provided within the contractual expressed notice period of termination receipt. We will pro-rate and refund unearned fees or collect balance due. Our obligations to you conclude at termination and it is your responsibility to retain prior communications and work product. Written requests for copies and supporting documents will be honored as soon as practical and must be accompanied by a minimum fee for time and expense of $500. We retain records for five years. Access to your Client Portal is revoked upon termination. Any account residing on our Institutional custodial platforms at termination will be transferred to Retail custodial divisions, which may result in higher fees and reduced access to services.