A. Altruist is a Limited Liability Company organized in the state of Michigan and has been operating since 2001. It is owned by Eric E. Haas. B. You can buy three different fee-only services from Altruist: Comprehensive Financial Plan Service, Investing Plan Service, and a Portfolio Management Service. I. ALTRUIST®ComprehensiveFinancialPlanService Altruist’s principle financial planning service is the ALTRUIST® Comprehensive Financial Plan. The ALTRUIST® Comprehensive Financial Plan is based upon a client’s answers to a questionnaire. Altruist analyzes their current situation and assesses how well they are positioned to achieve their stated goals. Next Altruist makes recommendations for changes to their financial situation (esp. their investments) which we believe will allow them a better chance at meeting their goals, considering their current situation, their stated goals, their investment time horizon, and their individual level of risk tolerance. The plan’s investment recommendations assume that the client intends to transition to the ALTRUIST® Portfolio Management Service. ProspectiveclientswhodonotintendtotransitiontotheALTRUIST® PortfolioManagementServiceshouldnotbuythisservice. Altruist then submits the plan to the individual and educates them on relevant issues associated with the plan and answers any questions they might have. Altruist intends to provide the following investment advisory services to ALTRUIST® Comprehensive Financial Plan Service clients: (i) educating clients about the principles of sound investing; (ii) assisting clients in choosing target strategic asset allocation guidelines; and (iii) providing advice regarding mutual fund investing and the types of mutual funds clients may wish to consider, including recommendations on specific funds (this may include both open-end mutual funds and Exchange-Traded Funds (ETFs)). While investment advice described above will be a component of Altruist services, Altruist will provide a broad range of financial planning advice, including, among other things, estate planning, insurance, taxes, and retirement matters. II. ALTRUIST®InvestingPlanService The ALTRUIST® Investing Plan service is intended for investors who have no need for comprehensive financial planning services, but instead desire to solely concentrate on planning their investing strategy and its implementation. Unlike the Comprehensive Financial Plan Service, the Investing Plan Service is focused, rather than holistic. It concentrates on developing a custom asset allocation, including tax-sensitive asset location and specific investment recommendations. Unlike the Comprehensive Financial Planning Service, the Investing Plan Service does NOT include a 12- month consultation enrollment. The plan’s investment recommendations assume that the client intends to transition to the ALTRUIST® Portfolio Management Service. Prospectiveclientswhodonotintendtotransition totheALTRUIST®PortfolioManagementServiceshouldnotbuythis service. Altruist intends to provide the following investment advisory services to ALTRUIST® Investing Plan clients: (i) educating clients about the principles of sound investing; (ii) assisting clients in choosing target strategic asset allocation guidelines; and (iii) providing advice regarding mutual fund investing and the types of mutual funds clients may wish to consider, including recommendations on specific funds (this may include both open- end mutual funds and Exchange-Traded Funds (ETFs)). III. ALTRUIST®PortfolioManagementService The ALTRUIST® Portfolio Management Service provides ongoing management of a client’s portfolio. This management is based on the methods and principles described broadly in section 8(A). In general, all ALTRUIST® Portfolio

Management Service clients must first have been enrolled in one of Altruist’s Financial Planning Services. Upon transitioning from the ALTRUIST® Comprehensive Financial Planning service to the ALTRUIST® Portfolio Management Service, Altruist will typically credit client accounts for $1,000 in order to avoid double billing for similar services. This $1,000 credit does not apply to (and is unavailable to) purchasers of the ALTRUIST® Investing Plan service, because there is no such overlap to justify it. After delivery and acceptance of the initial financial plan, Altruist drafts a written Investment Policy Statement that the client approves and signs. Each Investment Policy Statement describes a target portfolio asset allocation in which assets are allocated between equity and fixed income investments and among several asset classes. The document also describes the principles and restrictions which will govern our ongoing management. Once a client has agreed to an Investment Policy Statement, Altruist prepares specific recommendations regarding how to implement the policy. The recommendations will include specific mutual funds and amounts of each recommended transaction. All recommendations will be accompanied by rationale supporting them. Upon receiving recommendations, a client can either accept, reject, or modify them. Unless discretionary authority is explicitly authorized in writing, Altruist will never exercise discretionary authority to trade a client’s account. For each asset class, recommended investments will generally be in one or a few no-load mutual funds that Altruist considers representative, in terms of risk/return characteristics and diversification, of the entire asset class. To accomplish this, Altruist will generally utilize passively managed (e.g., “index”) mutual funds. Altruist will review each account at least quarterly and, if appropriate, will recommend rebalancing each account periodically to maintain the client’s selected strategic asset allocation exposure. Decisions whether to recommend rebalancing a portfolio account may be affected by the transaction costs that may be involved (including taxes). If a client’s risk tolerance, return objectives, or other factors affecting the management of his or her account change, Altruist prepares a revised Investment Policy Statement, which the client generally must approve before changes in the client’s target asset allocation are implemented. It is the client’s responsibility to communicate to Altruist such changes in their situation. Generally, Altruist will not accept accounts of less than $3,000,000, but exceptions may be made on a case-by-case basis. Altruist provides ongoing Investment Management services to its clients primarily, but not exclusively, on a non-discretionary basis. C. Altruist tailors its advisory services to the individual needs of clients. This is done during the planning stage, when we analyze a client’s unique preferences and needs to synthesize an approach that best meets those needs while conforming with the principles of prudent investing. Clients may impose restrictions on investing in certain securities or types of securities. D. Altruist does NOT participate in wrap fee programs. A “wrap fee program” is an arrangement under which all advice and transactions would be provided for a single fee that is not based on the transactions in a client’s account. If we offered it, we believe that this sort of arrangement would amount to a conflict of interest that would not serve our clients well. E. Client assets under Management. As of 12/31/2023, Altruist had the following assets under management: Discretionary: $ 73,236,288 Non‐Discretionary: $ 238,859,440 Total: $ 312,095,728