Form ADV Part 2A, Item 4 Bigelow Investment Advisors provides fee only investment management services to individuals, institutions, retirement plans, trusts and estates and non-profit organizations. The firm was established in April 2007 by Kathryn M. Dion and Gary L. Robinson. Principal owners of the firm changed as of January 2022. Michael Christopher Moore, Patrick Benjamin Flood, and Racquel Heath Tibbetts, together are minority owners of Bigelow. Gorham Savings Bank is a majority owner in Bigelow as of January 2022. Gorham Savings Bank is a Maine-based mutual savings community bank. The primary advisory service offered by Bigelow is fee-based portfolio management and investment advice. Clients enter into an investment management agreement that gives the firm discretionary authority over assets held by the client in designated accounts. Some clients receive advisory services on a non-discretionary basis. Non-discretionary clients authorize trading decisions in writing prior to the execution of buy or sell orders. Bigelow offers financial planning advice to clients as part of the firm’s overall investment advisory services. Bigelow does offer financial planning services as a separate, stand-alone service. Bigelow is dedicated to providing investment advice tailored to the identified needs of our clients. The firm uses historical measures of risk and return, financial projections, and occasionally, questionnaires to understand and clarify financial goals. Clients identify an investment objective in consultation with their investment advisor. The investment objective includes various asset allocation ranges and is agreed to by both the client and the firm. An initialed and dated Investment Objective form is kept on file. Clients may customize their investment portfolios further by:

• specifying the amount of cash equivalents to be held;
• specifying the use of socially responsible investments (often referred to as ESG);
• restrictions on the ownership of certain stocks or fixed income investments; and
• other unique requirements. Managed client portfolios cannot include investments that are not publicly traded, denominated in a currency other than US dollars or that would violate our code of ethics. Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act 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);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Bigelow does not participate in wrap fee programs. As of March 31, 2023, Bigelow had the following amounts of regulatory assets under management: Discretionary: $340,259,586. Non-Discretionary: $63,446,187. Total: $403,705,773.