ADVISORY BUSINESS A. General Description of Advisory Firm Tilson Financial Group, Inc. (“TFG”) is incorporated in the state of New Jersey. TFG became registered as an Investment Adviser Firm on January 7, 2000. TFG is solely owned by Robert Tilson who is also TFG’s CCO. As discussed below, TFG offers to its clients (individuals, pension and profit sharing plans, trusts, and business entities) discretionary and non-discretionary investment management services, financial planning and consulting. B. Description of Advisory Services INVESTMENT MANAGEMENT/FINANCIAL PLANNING SERVICES TFG provides both initial and ongoing financial planning and investment management services. Financial Planning services include, but are not limited to, Retirement Planning, Tax Planning, Education Funding, Estate Planning and Death and Disability Planning. TFG may allocate investment management assets of its client accounts among various investments on a discretionary or non-discretionary basis, in accordance with the investment objective of the client. The terms and conditions under which the client shall engage TFG shall be set forth in separate written agreements between the client and TFG. TFG maintains ongoing responsibility to select or make recommendations, based upon the needs of the client, as to the specific securities or other investments the account may purchase or sell. Please Note: It remains the client’s responsibility to promptly notify TFG if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising TFG’s previous recommendations and/or services. Prior to engaging TFG for services, the client will be required to enter into a formal Financial Planning Agreement or Investment Advisory Agreement with TFG setting forth the terms and conditions under which TFG shall manage the client's assets. SUB-ADVISORY/CUSTODIAL ARRANGEMENTS. All investment management accounts shall be maintained at Schwab Advisor Services (“Schwab”), SEI Investments, AXOS Advisor Services or other qualified custodians. Currently, TFG recommends that certain clients allocate investment assets among: (1) the various products and investment programs offered through SEI and/or (2) among various mutual funds, exchange traded funds and/or general securities offered by and/or obtained through Schwab and AXOS Advisor Services. SEI provides each client with reporting services, including consolidated monthly statements and year-end tax reports. SEI enables investment advisers such as TFG to offer its clients access to specialized asset managers, mutual fund asset allocation models, underlying individual mutual funds, and investment management programs (i.e., tax managed investment programs) that are not otherwise available to the general public. As part of its overall investment management program, SEI offers quarterly rebalancing of each client’s investment assets for the purpose of maintaining the assets in accordance with the client’s previously designated percentage (%) asset allocations for the SEI account. If a client desires automatic account rebalancing such authorization must first be provided directly to TFG, who will then advise SEI accordingly. The Investment Advisory Agreement between TFG and the client will continue in effect until terminated by either party by written notice to the other. Termination will not affect (I) the validity of any action previously taken by TFG under the Agreement; (II) liabilities or obligations of the parties from transactions initiated before termination of this Agreement; or (III) Client’s obligation to pay advisory fees (prorated through the date of termination). Upon termination of this

Agreement, TFG will have no obligation to recommend or take any action with regard to the securities, cash or other investments in the Account. TFG’s Chief Compliance Officer, Robert Tilson, remains available to address any questions concerning TFG’s sub-advisory arrangements. INDEPENDENT MANAGERS While not a separate service, TFG may select certain Independent Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages an Independent Manager may be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure, clients may also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. TFG evaluates a variety of information about Independent Managers, which may include the Independent Managers’ public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, TFG seeks to assess the Independent Managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. TFG also takes into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. TFG continues to provide services relative to the discretionary selection of the Independent Managers. On an ongoing basis, TFG monitors the performance of those accounts being managed by Independent Managers. TFG seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. RETIREMENT PLAN CONSULTING TFG provides retirement sponsor clients with assistance in choosing and monitoring the plan participant options. This can help ensure participants are receiving the most they can from this important benefit. DISCLOSURE STATEMENT A copy of TFG’s written Brochure as set forth in this Part 2A of Form ADV shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Advisory Agreement or Financial Planning Agreement. Any client who has not received a copy of TFG’s written Brochure at least 48 hours prior to executing the Investment Management Agreement or Financial Planning Agreement shall have five (5) business days subsequent to executing the agreement to terminate TFG’s services without penalty. Neither TFG nor the client may assign the Financial Planning Agreement or Investment Advisory Agreement without the prior consent of the other party. Transactions that do not result in a change of actual control or management of TFG shall not be considered an assignment. C. Availability of Customized Services for Individual Clients TFG shall provide investment advisory services specific to the needs of each client. Prior to providing investment advisory services, an investment adviser representative will ascertain each client’s investment objective(s). Thereafter, TFG shall allocate and/or recommend that the client allocate investment assets consistent with the designated investment objective(s). The client may, at any time, impose reasonable restrictions, in writing, on TFG’s services. D. Wrap Fee Programs We do not participate in a wrap fee program. E. Assets Under Management As of December 31, 2023, TFG had $ 362,601,583 in assets under management on a discretionary basis and $ 217,303,497 in assets under management on a non-discretionary basis for a total of $579,905,080 in assets under management.