Our firm is dedicated to providing individuals and other types of clients with a wide array of investment advisory services. Our firm is a corporation formed and incorporated in the State of Connecticut in 1981 and has been in business as an investment adviser since 1983. Our firm is owned by Brian and Michele Vendig. The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is accomplished in part by knowing our client. Our firm has established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. Types of Advisory Services Offered Portfolio Management: As part of the Asset Management Service, our firm gathers information about a client’s assets, liabilities, investment goals and objectives, risk tolerance and time horizon through a personal interview. Based on this information, either a model portfolio is selected, or a customized portfolio is created specifically for that client. The recommended investment strategy will result from balancing the client’s goals along with financial suitability, risk tolerance and the underlying investment allocations. Should our firm select a customized portfolio, it will generally consist of individual stocks or bonds, exchange traded funds (“ETFs”), options, no load and institutional mutual funds, government, corporate, and municipal bonds, and other public and private securities or investments. It may also include Unified Managed Account (“UMA”) or Separately Managed Account (“SMA”) investments to gain exposure to individual security investments in certain stocks and bonds as well as to diversify a client’s portfolio using alternative investments. The client’s individual investment strategy is tailored to their specific needs and may include some or all of the previously mentioned securities (e.g., our equity asset allocations cover both domestic and international equities and may include large capitalization stocks, mid-capitalization and small capitalization stocks). Further, our firm may also offer a customized portfolio consisting of various private placements, such as hedge funds, private equity and real estate with a holding period of 1 to 10 years. However, our firm only offers such illiquid investments if the client has adequate investment sophistication and risk tolerance. All illiquid securities will be held at the client’s custodian and/or direct at the investment company. Alternatively, depending on the client’s assets, liabilities, investment goals and objectives, risk tolerance and time horizon, our firm may determine it to be more appropriate to place the Client in one of the following proprietary model portfolios:
• Multi-Strategy Growth
• Moderate Growth
• Income
• Conservative
• Preservation The asset classes our firm uses for its proprietary model portfolios generally include stocks, bonds and liquid alternatives. Our firm uses liquid alternatives to help reduce overall portfolio volatility because they have low correlation to both the stock and bond markets. To complement our firm’s core portfolios, we may use specialty investments which are temporarily undervalued asset classes with an intention of adding value to portfolios when available. Our firm believes that avoiding loss of principal is essential to long-term investment success. Thus, all our firm’s portfolios are initially designed to meet a particular investment goal, determined to be suitable to the client, while seeking long-term total returns with an added emphasis on principal protection. The primary goal for our firm’s portfolios is to preserve principal through inflationary periods, deflationary periods and recessions, while at the same time, being focused on a total return based on the client’s financial objectives and financial suitability. However, our firm’s portfolios will not always track the stock market performance during short-term rallies. Our firm’s goal is to focus on a total return perspective that balances asset appreciation, tax- efficiency, yield and cost of the investment. The investment choices span global equities, global fixed income and global liquid alternative allocations. Through diversification, our strategies help manage downside risks and promote stability in volatile and turbulent times. We maintain a bottom-up view when selecting investments. Our firm uses a structured proprietary investment approach. Specific market indicators and external research help us to assess the economic environment. Our firm’s client’s individual investment strategies are tailored to their specific needs and may include some or all of the previously mentioned securities. Portfolios will be designed to meet a particular investment goal, determined to be suitable to the Client’s circumstances. Once the appropriate portfolio has been determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced

based upon the Client’s individual needs, stated goals and objectives. Our firm may utilize the sub-advisory services of a third-party investment advisory firm (“Sub- Adviser”) or a third-party platform manager, Adviser OS (“Platform Manager”), to aid in the implementation of an investment portfolio. The Platform Manager may also use the services of a Third-Party Money Manager(s) (“Asset Manager”) to implement an investment portfolio. The Platform Manager is primarily reserved for equity and bond strategies in a Unified Managed Account (“UMA”) or Separately Managed Account (“SMA”). The Asset Manager is primarily reserved for the SMA equity strategy. A Sub-Advisor is primarily reserved for SMA which do not desire to go though the Platform Manager. Before selecting a Sub-Adviser, Platform Manager, or Asset Manager, our firm will ensure that the chosen party is properly licensed or registered. Retirement Plan Consulting Services: We also provide retirement planning and consulting services to employer plan sponsors. All retirement plan consulting services shall be in compliance with the applicable state law(s) regulating retirement consulting services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and we accept appointments to provide our services to such accounts, we acknowledge that we are a fiduciary within the meaning of Section 3(21) and Section 3(38) of ERISA (but only with respect to the provision of services described in section 1 of the Retirement Plan Consulting Services Agreement). Financial Planning & Consulting: We provide a variety of financial planning and consulting services to individuals, families and other clients regarding the management of their financial resources based upon an analysis of client’s current situation, goals, and objectives. Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. Our written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. For written financial planning engagements, we provide our clients with a written summary of their financial situation, observations, and recommendations. For financial consulting engagements, we usually do not provide our clients with a written summary of our observations and recommendations as the process is less formal than our planning service. Plans or consultations are typically completed within six (6) months of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly. It should also be noted that we refer clients to an accountant, attorney or other specialist, as necessary for non-investment advisory related services. Implementation of the recommendations will be at the discretion of the client. MJP Online Advisor Services: MJP Online Advisor Services is an automated online platform operated by MJP Wealth Advisors that guides clients through the entire investment management process and provides management services. Clients subscribing to MJP Online Advisor Services authorize MJP Wealth Advisors to select a proprietary portfolio model according to the client’s risk tolerance. As part of the MJP Online Advisor Services investment management service, clients complete an online personal risk tolerance assessment and provide additional information about their financial goals. Based on the information provided, the appropriate model portfolio is selected for the client. We create diversified model portfolios of investments consisting of low cost exchange traded funds (“ETFs”), mutual funds, and other similar equity-related index funds, stocks, or investment products tailored to the client’s specific needs. Information about the client’s model portfolio is available on the online platform, which includes their investment style, objectives, and a list of ETFs and other investments with shares that are included in and traded through them. The client can also submit or modify risk preferences, investment objectives, investment size and any other restrictions for their accounts directly through the online platform. We will periodically rebalance client model portfolios based upon the client’s individual needs, stated goals and objectives. Tailoring of Advisory Services Our firm offers individualized investment advice to our Asset Management and MJP Online Advisor Services clients. General investment advice will be offered to our Financial Planning & Consulting and Retirement Plan Consulting clients. Our firm does not usually allow Asset Management clients to impose restrictions on investing in certain securities or types of securities due to the level of difficulty this would entail in managing their account. Exceptions will be made on a case-by-case basis. Participation in Wrap Fee Programs Our firm does not offer or sponsor a wrap fee program. Regulatory Assets Under Management We manage $853,430,239 on a discretionary basis. In addition, we have $10,945,527 assets under advisement. As such our total assets are $864,375,766 as of 12/31/2022.