Our Owners and Principals We established our firm in December 2006. Joseph Mackey, John Dankovich and Nathan Bohannon are our members, and each owns 33.33% of our firm’s membership interests. Our Advisory Services We are an investment adviser providing investment management services, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations and business entities. We offer our services on a fee basis, and depending on the type of service, we charge an asset-based fee, hourly rate or fixed fee. Prior to engaging us to provide any investment advisory services, we will enter into one or more written agreements with you setting forth the terms and conditions under which we will provide our services. Investment Management Services If you choose to become an investment management client, you will sign an investment advisory agreement (“Advisory Agreement”), which establishes the general terms and conditions of our engagement. We will discuss your financial needs and goals as well as risk tolerance and other individual circumstances to determine which strategy or strategies will meet your investment objectives. You must notify us promptly when there are any changes in your financial situation or investment objectives or if you wish to impose any reasonable restrictions upon our management services. For additional information regarding our investment discretion see Item 16. We also provide investment management services for annuity products, and individual accounts in an employer-sponsored retirement plan. We refer to these products and accounts as being an outside managed account (“OMA”) because we are not engaged by the insurance company or your employer- sponsored retirement plan. Typically, when we provide these services your assets are maintained either at the specific insurance company that issued you the annuity product, or at the custodian designated by you or your retirement plan’s sponsor. When providing advice regarding your annuity products or retirement plan, we utilize the asset allocation of one of our investment strategies and implement with the most appropriate funds made available by the insurance or plan provider. We can also assist you with establishing a 529 plan and review its investments when needed. Financial Planning and Consulting Services We offer a broad range of comprehensive financial planning and consulting services, which include non- investment related matters. We offer comprehensive and continual financial planning, for which we will review your overall financial situation and provide recommendations covering retirement cash flow and estate planning, and risk management. If you desire financial planning on a more limited scope, we offer a variety of services, which include providing you with a report and recommendations regarding asset allocations, estate planning or retirement planning. If you choose to become a financial planning or 2024-03-27 Form ADV Part 2A Page 5 of 23 consulting client, you will sign a financial planning agreement (“Planning Agreement”). We also refer to our financial planning services as wealth coaching services. Wealth coaching services have the same meaning as financial planning services as described herein. As part of your financial plan, we generally recommend other services we offer or the services of other professionals to implement our recommendations. While recommending our own services does present a conflict of interest, you are under no obligation to act upon any of our recommendations and you are not required to engage the services of any recommended professional, including us as an investment manager. You retain absolute discretion over all financial planning implementation decisions and may accept or reject any of our recommendations. It is your responsibility to notify us promptly if there is any change in your financial situation or investment objectives so that we can review, evaluate, or revise our previous recommendations and services. For some clients our consulting services include one or more of the following: Closely Held Advisory Team® (C.H.A.T.), insurance reviews, and other financially related topics as requested. (C.H.A.T. is a service where we facilitate meetings with you and your team of other professional advisers such as tax planning professionals and estate planning attorneys.) Pension Consulting Services We offer pension consulting services on pension or other employee benefit plans (including a 401(k) plan) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Our services include plan-level advice regarding fund selection and investment options, review and analysis of the current plan, and ongoing consulting. If we are managing your assets or holdings of an ERISA plan (not simply a plan member), then we are a “fiduciary” within the meaning of ERISA and Section 4975(e)(3) of the Code—but only respecting the discretionary services we provide—and understand that as a fiduciary, we must: act solely in the interests of the participant and their beneficiaries; defray the expenses of administration

of the Plan; act with the care, skill, prudence, and diligence that a prudent man would use in the same situation; diversify Plan investments to reduce the risks of large losses unless it is clearly prudent not to do so; and act according to the terms of the Plan documents, to the extent the documents are consistent with ERISA. Use of Alternative Investments To investors for whom an alternative investment is suitable, we will recommend investment in one or more alternative investment vehicles including, but not limited to, hedge funds, private equity funds, and private debt/credit investments. A recommendation to invest in such an alternative investment vehicle is done so on a non-discretionary basis. This means that even if we recommend an alternative investment, you are not required to make such investment and any investment will only be made upon your execution of subscription or other documents (“Offering Documents”) admitting you as an investor. To invest in an alternative investment vehicle, you will be required to meet strict suitability criteria with regards to your net worth, liquid net worth, income and other applicable requirements. You will receive disclosure documents for each fund in which you are interested in investing. It is important that you read 2024-03-27 Form ADV Part 2A Page 6 of 23 the disclosure documents and ask us if you have any questions prior to investing. See Items 5, 7 and 8 for additional information regarding our recommendation of alternative investments. Use of Independent Managers At times, MKD will select or recommend that you select certain Independent Managers to actively manage a portion of your assets. This generally includes recommending equity or fixed income managers but may include Independent Managers in other strategies. The specific terms and conditions under which you engage an Independent Manager are either in a separate written agreement with the designated Independent Manager or alternatively are in a sub-advisory agreement between MKD and the Independent Manager as permitted by your Advisory Agreement with MKD. In addition to our Disclosure Brochure, you will receive the Independent Manager’s written disclosure documents either from us or from the Independent Manager directly. MKD evaluates a variety of information about Independent Managers, which may include the Independent Managers’ public disclosure documents and materials supplied by the Independent Managers themselves. To the extent possible, we seek to assess the Independent Managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. We also take into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. On an ongoing basis, MKD monitors the performance of client accounts being managed by Independent Managers. We seek to ensure the Independent Managers’ strategies and target allocations remain aligned with client investment objectives and overall best interests. IRA Rollover Recommendations 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. We benefit financially from the rollover of your assets from a retirement account that we do not manage on your behalf to an account that we manage or provide investment advice, because the assets increase 2024-03-27 Form ADV Part 2A Page 7 of 23 our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest. Additional resources about IRA Rollovers are available to investors through the website of the Financial Industry Regulatory Authority (“FINRA”) at www.finra.org. Assets Under Management We manage client assets on both a discretionary and non-discretionary basis, and as of December 31, 2023, we had $347,943,505 in client assets managed on a discretionary basis and $11,818,890 in client assets managed on a non-discretionary basis.