Page 4 A. Ownership/Advisory History Abridge Partners, LLC (“Abridge Partners” or the “firm”) is a limited liability company organized under the laws of the State of California. The firm is owned by Wealth Guardian, Inc. (50%), and Gene Yates & Associates, LLC (50%). Michael Flanagan and Gene Yates are the firm’s principals. Abridge Partners is an SEC-registered investment adviser and has been offering investment advisory and financial planning services since 2007. B. Advisory Services Offered Abridge Partners offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to Abridge Partners rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Abridge Partners setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). Investment and Wealth Management Services Abridge Partners manages client investment portfolios on a discretionary or non-discretionary basis. In addition, Abridge Partners offers a broad range of financial planning and consulting services as well as discretionary and/or non-discretionary management of investment portfolios. Abridge Partners primarily allocates client assets among various independent managers (also called separate account managers and, herein, “Independent Managers”) and privately placed securities (including debt, equity and/or interests in pooled investment vehicles) in accordance with their stated investment objectives. Clients can engage Abridge Partners to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Abridge Partners directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company, or the custodian designated by the product’s provider. Abridge Partners tailors its advisory services to meet the needs of its individual clients and monitors, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. Abridge Partners consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify Abridge Partners if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if Abridge Partners determines, in its sole discretion, the conditions would not materially impact the performance of a management Page 5 strategy or prove overly burdensome to the Firm’s management efforts. Please refer to the disclosure of the third-party investment managers’ disclosure documents for information on their policies regarding the imposition of restrictions regarding the management of client portfolios. Financial Planning and Consulting Services Abridge Partners offers clients a broad range of financial planning and consulting services, which include any or all of the following services as directed by the client: ▪ Business Planning ▪ Charitable Planning ▪ Cash Flow Forecasting ▪ Distribution Planning ▪ Trust and Estate Planning ▪ Tax Planning ▪ Insurance Planning ▪ Education Planning ▪ Retirement Planning ▪ Financial Administration ▪ Risk Management ▪ Family Dynamics While each of these services is available on a stand-alone basis, certain of them can also be rendered in conjunction with investment portfolio management as part of a comprehensive wealth management engagement (described in more detail below). Abridge Partners recommends certain clients engage other professionals to implement its recommendations. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by

Abridge Partners under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Abridge Partners’ recommendations and/or services. Use of Independent Managers As mentioned above, Abridge Partners selects certain Independent Managers to actively manage all or a portion of its clients’ investment assets. The specific terms and conditions under which a client engages an Independent Manager are set forth in a separate written agreement with the designated Independent Manager. That agreement can be between the Firm and the Independent Manager (often called a subadvisor) or the client and the Independent Manager (sometimes called a separate account manager). In addition to this brochure, clients are provided the written disclosure documents of the respective Independent Managers engaged to manage their assets. Abridge Partners continues to provide services relative to the discretionary or non-discretionary selection of the Independent Managers. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers. Abridge Partners seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Page 6 Institutional Intelligent Portfolios® We offer an automated investment program (the “Program”) through which clients are invested in a range of investment strategies we have constructed and manage, each consisting of a portfolio of exchange-traded funds (“ETFs”) and a cash allocation. The client may instruct us to exclude up to three ETFs from their portfolio. The client’s portfolio is held in a brokerage account opened by the client at Charles Schwab & Co., Inc. (“CS&Co”). We use the Institutional Intelligent Portfolios® platform (“Platform”), offered by Schwab Performance Technologies (“SPT”), a software provider to independent investment advisors and an affiliate of CS&Co., to operate the Program. We are independent of and not owned by, affiliated with, or sponsored or supervised by SPT, CS&Co., or their affiliates (together, “Schwab”). We, and not Schwab, are the client’s investment advisor and primary point of contact with respect to the Program. We are solely responsible, and Schwab is not responsible, for determining the appropriateness of the Program for the client, choosing a suitable investment strategy and portfolio for the client’s investment needs and goals, and managing that portfolio on an ongoing basis. We have contracted with SPT to provide us with the Platform, which consists of technology and related trading and account management services for the Program. The Platform enables us to make the Program available to clients online and includes a system that automates certain key parts of our investment process (the “System”). The System includes an online questionnaire that helps us determine the client’s investment objectives and risk tolerance and select an appropriate investment strategy and portfolio. Clients should note that we will recommend a portfolio via the System in response to the client’s answers to the online questionnaire. The client may then indicate an interest in a portfolio that is one level less or more conservative or aggressive than the recommended portfolio, but we then make the final decision and select a portfolio based on all the information we have about the client. The System also includes an automated investment engine through which we manage the client’s portfolio on an ongoing basis through automatic rebalancing and tax-loss harvesting (if the client is eligible and elects). We charge clients a fee for our services as described below under Item 5: Fees and Compensation. Our fees are not set or supervised by Schwab. Clients do not pay brokerage commissions or any other fees to CS&Co. as part of the Program. Schwab does receive other revenues in connection with the Program. C. Client Assets Under Management As of December 31, 2023, Abridge Partners manages $97,000,134 of discretionary assets and $5,493,808 of non-discretionary assets.