AdviceOne Advisory Services, LLC (AdviceOne, us, we, our) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). AdviceOne is organized as a limited liability company under the laws of the State of Connecticut, established in December 1999. AdviceOne is owned by AdviceOne LLC, which is wholly owned by Michael P. Grossman (President and Chief Compliance Officer). As of December 31, 2023, we have $1,371,176,097 of assets under management, all of which are managed on a discretionary basis. We offer investment advisory services, through investment and portfolio management, to individuals, high net worth individuals, and non- profit organizations. This Disclosure Brochure provides you with information regarding business practices and the nature of advisory services that should be considered before becoming our advisory client. Please contact Michael P. Grossman, President and Chief Compliance Officer, if you have any questions about this Disclosure Brochure at (860) 659-4900 or via email at [email protected]. Individuals associated with us will provide our investment advisory services. These individuals are appropriately licensed and qualified to provide advisory services on our behalf. Such individuals are known as Investment Advisor Representatives (“IAR[s]”). Below are descriptions of the investment advisory and financial planning services we offer. For more detail on any service please reference the advisory agreement, or speak with your IAR. Investment Advisory Services Our IARs provide continuous and regular investment advisory services on a discretionary basis to you in connection with establishing and monitoring of your investment objectives, risk tolerance, asset allocation goals and time horizon. In addition, our IARs may provide information and research about investment products and strategies, and review portfolio performance reports. You have the opportunity to place reasonable restrictions or constraints on the way your account is managed; however, such restrictions may affect the composition and performance of your portfolio. For these reasons, performance of the portfolio may not be identical with our average client. We offer investment advisory services primarily through “Advisor Managed Fee-based Accounts” Services provided under some or all of these options may be available from other providers for lesser fees. Retirement Accounts – When we provide investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), we are a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, we will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if we earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by us. Portfolio Management Services Provided to Direct Clients For account[s] managed on a discretionary basis, such discretion must be granted in writing via our investment advisory agreement. We manage your account and make investment decisions without consultation with you that would involve determinations regarding which securities are bought and sold, the total amount of securities

to be bought or sold, and the price per share at which securities transactions are effected. Our discretionary authority in making these determinations will be limited by conditions imposed by you in your investment guidelines, objective, or instructions otherwise provided to us. Our IARs serve as your investment consultant and assist in identifying your long-term goals and investment objectives, develop the appropriate investment strategy to achieve those goals and objectives, determine the suitability of our services, assess the performance of your accounts, and determine whether our asset management services continue to be consistent with your long-term goals and investment objectives. We do not manage accounts on a non-discretionary basis, however will give advice on accounts not held at the Custodian recommended by AdviceOne. We believe strongly in the benefits of portfolio diversification. We attempt, through asset allocation strategies, to achieve the return targets of our portfolios while controlling or limiting portfolio volatility. In developing our asset allocation strategies, we utilize proprietary asset allocation models that focus on long-term future asset class return, risk and correlation expectations. We review and modify our asset allocation models periodically to incorporate the results of ongoing research. These reviews may result in changes to our portfolios’ asset allocation strategies. Adjustments are made to bring portfolios back within established tolerances when such adjustments are deemed beneficial to the direct client. In determining whether to rebalance a portfolio, we may consider such factors as the cost versus the anticipated added value of any transaction that would be necessary in order to reestablish tolerance levels. The timing of all rebalancing activity is solely in our discretion. Financial Planning Services We will provide financial planning and investment advisory services by conducting a series of meetings together, with the goal of improving your overall financial preparedness. The meetings will include a retirement plan spreadsheet matched to your particular income and spending needs and an asset allocation matched to your particular retirement plan and risk tolerance. The meetings with the IAR will strive to educate you with respect to overall estate planning, retirement planning, insurance planning, income tax planning, and investment planning. The IAR will review your financial information and recommend specific investments and asset allocations to satisfy your financial goals and objectives. You authorize the IAR to enter into such agreements and make such representations as may be necessary or proper in connection with the performance of its duties under this agreement. Because the meetings will be based on the information that you provide to the IAR, the completeness and accuracy of the information you provide is very important. Once you have completed the planning process, you will have the sole responsibility for determining whether to implement the recommendations contained therein. The series of meetings and the completion of the initial plan are typically completed within three (3) months of client and advisor entering into a financial planning agreement which typically occurs in the fourth meeting after you have a better understanding of how we deliver out services. This agreement sets forth the terms and conditions of the services to be provided, and the fee that is due Once the initial planning is completed a client typically attends 2-3 meetings per year to continue the planning. We will not charge a pro rata services fee if you end this relationship. If requested, we may recommend the services of other professionals. You are under no obligation to engage the services of any such recommended professional. Wrap Fee Programs We do not sponsor a wrap fee program.