DESCRIPTION OF SERVICES AND FEES Certified Advisory Corp (“CAC”) is a registered investment advisor based in Altamonte Springs, Florida. We have been providing investment advisory services for a fee since 1991. Joseph F. Bert is our principal owner. The term Associated Person, (“AP”) will be used throughout this brochure. As used in this brochure, our Associated Persons are officers, employees, and Investment Advisory Representatives (“IARs”) of our firm. Financial Consulting Services We offer a variety of services, which include: 1. Comprehensive Financial Plans 2. Specific Financial Analysis, including:
• Income Tax, Cash Flow & Investment Plan
• Financial Independence Cash Flow Plan
• Education Funding Plan
• Retirement Distribution Analysis
• Pension Maximization Analysis
• Legacy Planning
• Business Analysis
• Risk Management Plan
• Capital Needs Analysis
• Asset Allocation Plan 3. Hourly Consultations Financial consulting services will typically be in written form. If you retain our firm for financial consulting services, we will meet with you to gather information about your financial circumstances and objectives. Our goal is to assist you in determining whether your long-term and short-term objectives are feasible. We will provide you with a written financial consulting services agreement that describes the services to be performed and an estimate of the total charges for the services we provide. The fee for any specific financial analysis varies depending on the complexity of your individual situation. The agreement will allow you to terminate your consulting services by providing written notice to our firm. You will incur a pro rata charge for services rendered prior to the termination of the agreement. Recommendations are based on your financial situation at the time presented, and on the financial information you provide to our firm. You must promptly notify our firm if your financial situation, goals, objectives, or needs change. You are under no obligation to act on our recommendations. Should you choose to act on any of our recommendations, you are not obligated to implement them through our firm. If requested by you, we may recommend services of other professionals for implementation purposes, including CAC IARs in their individual capacities as registered representatives of a broker-dealer and/or licensed insurance agents. You are under no obligation to engage the services of any such recommended professional. You retain absolute discretion over all such implementation decisions and are free to accept or reject any recommendation from our firm. 4 | C e r t i f i e d A d v i s o r y C o r p Please Note: If you engage any such recommended professional and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from and against the engaged professional. Investment Advisory and Management Services We offer discretionary investment advisory and management services for individual portfolios including IRAs, SEP IRAs, SIMPLE Plans and Employer Sponsored Retirement Plans such as 401(k) plans, profit sharing plans, and pension plans. Discretionary services are based on authorization granted by you which allows our firm to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. You can limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. Additionally, you can require us to discuss recommendations of certain types of trades or investments in certain securities prior to execution. Our investment advice is tailored to meet each client’s needs and investment objectives. If you retain our firm for advisory and management services, we will meet with you to determine your investment objectives, risk tolerance, and other relevant information at the beginning of our advisory relationship. We will use the information we gather to develop a strategy that enables our firm to give you continuous investment advice and/or to invest on your behalf. Once we construct an investment portfolio for you, or select a model portfolio, we monitor your portfolio’s performance on an ongoing basis. The qualified custodian will deliver an account statement to you at least quarterly. Additionally, we have access to duplicate copies of your account statements. These account statements will show all disbursements from your account. You should review all statements to ensure accuracy and we encourage you to reconcile these statements with our invoices. If you find any inconsistent information between our invoice and the statements you receive from the qualified custodian you should contact us or your custodian. Either you or we can terminate the Investment Management Agreement as outlined in the Investment Management Agreement. Automated Investment Advisory Services We may recommend a goal-based digital investment management platform through Betterment LLC (“Betterment”), a registered investment advisor which serves as a sub-advisor, allowing our firm and you to identify multiple investment goals, each with specific portfolio allocations. The platform allows you to complete an online personal risk tolerance assessment and provide additional information about your financial goals. We utilize the platform to construct model portfolios typically consisting of Exchange Traded Funds (“ETFs”), access and review your responses to a risk profile questionnaire and map risk profiles and investment objectives to a specific model portfolio. You can also submit or modify risk preferences, investment objectives, investment size and any other restrictions for your accounts directly through the online platform.

Our firm will periodically rebalance your model portfolios based upon your individual needs, stated goals and objectives. Betterment’s website and mobile application provide you and our firm 5 | C e r t i f i e d A d v i s o r y C o r p access to view your account, and deliver account statements, documentation, and notices. Pension Consulting Services Pension consulting services to employee benefit plans and their fiduciaries are based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. Services can include an existing plan review and analysis, plan-level advice regarding fund selection and investment options, education services to plan participants, investment performance monitoring, and/or ongoing consulting. We are also able to assist with participant enrollment meetings and provide investment-related educational seminars to plan participants on such topics as diversification, asset allocation, risk tolerance, time horizon, and other items specific to the particular plan. Additional types of pension consulting services to plans are available on an individually negotiated basis. All services, whether discussed above or customized for the plan based upon requirements from the plan fiduciaries could include additional plan-level or participant-level services, will be detailed in a written agreement and be consistent with the parameters set forth in the plan documents. Tax Preparation and Consulting Services Our firm offers income tax preparation and consulting services. Individuals providing tax preparation on behalf of the firm will be licensed Certified Public Accountants or Enrolled Agents. Selection of Other Advisers In certain situations, as part of our investment advisory services, we can recommend that you use the services of a third-party money manager (TPMM) to manage your entire, or a portion of your investment portfolio. Factors that we take into consideration when making our recommendation(s) include, but are not limited to, the TPMM’s performance, methods of analysis, fees, and your financial needs, investment goals, risk tolerance, and investment objectives. We will periodically monitor the TPMM(s)’ performance to ensure its management and investment style remains aligned with your investment goals and objectives. Our firm can recommend that all or a portion of your investment portfolio be implemented by utilizing one or more unaffiliated money managers or investment platforms (collectively “Independent Managers”). Independent Managers may be sourced directly or accessed through an investment management platform. We will continue to serve as your primary advisor. However, the Independent Managers will assume discretionary authority for the day-to-day investment management of those assets placed in their control. We perform initial and ongoing oversight and due diligence over each money manager and/or investment platform to ensure the strategy remains aligned with your investment objectives and overall best interest. We will assist and advise you in establishing investment objectives for your portfolio, the selection of Independent Managers, and defining any restrictions on the portfolio. 6 | C e r t i f i e d A d v i s o r y C o r p IRA Rollover Services As part of our investment advisory services to you, it is possible that we will recommend you withdraw the assets from your employer's retirement plan and roll the assets over to an individual retirement account ("IRA") that we will manage on your behalf. It is important that you understand the difference between rolling over your assets for our management and maintaining the previous relationship with the employer’s plan to decide whether a rollover is best for you. Fiduciary Responsibility for Retirement Accounts When we provide investment advice to you regarding your qualified retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act (ERISA) and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice); o Avoid misleading statements about conflicts of interests, fees and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest; o Charge no more than is reasonable for our services; and o Give you basic information about conflicts of interest. TYPES OF INVESTMENTS Generally, we offer advice on equity securities (including exchange listed securities (stocks) and exchange traded funds), corporate debt and municipal securities (bonds), commercial paper, certificates of deposit, investment company securities (including variable life insurance, variable annuities, and mutual fund shares), and/or US Government securities. Additionally, we are able to advise you on other types of investments we deem appropriate based on your stated goals and objectives. We could also provide advice on other types of investments held in your portfolio at the inception of our advisory relationship. You can request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing. ASSETS UNDER MANAGEMENT As of December 31, 2023, we managed $2,272,751,721. in client assets on a discretionary basis. 7 | C e r t i f i e d A d v i s o r y C o r p