Durante & Waters was founded by George Waters and Michael Durante, the principals of the Firm, in June 2003 based on the belief that many financial services firms were too large and impersonal. Durante & Waters believes that personalized individual attention is what clients deserve and seeks to provide that to its clients. Durante & Waters provides financial planning, consulting, and investment management services. Prior to engaging Durante & Waters to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with Durante & Waters setting forth the terms and conditions under which Durante & Waters renders its services (collectively the “Agreement”). As of December 2023, Durante & Waters has $ 141,322,649.00 of assets under management which are all managed on a discretionary basis. This disclosure brochure describes the business of Durante & Waters. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of Durante & Waters’ officers, partners, directors (or other persons occupying a similar status or performing similar functions), or employees, or any other person who provides investment advice on Durante & Waters’ behalf and is subject to Durante & Waters’ supervision or control. Financial Planning and Consulting Services Durante & Waters provides its clients with a broad range of comprehensive financial planning and consulting services (which include non-investment related matters). These services are tailored to the individual needs of the client, but generally include retirement planning, divorce financial planning, and general financial planning. In performing its services, Durante & Waters is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. Durante & Waters recommends the services of itself, and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if Durante & Waters recommends its own services. The client is under no obligation to act upon any of the recommendations made by Durante & Waters under a financial planning or consulting engagement or to engage the services of any such recommended professional, including Durante & Waters itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of Waters’ recommendations. Clients are advised that it remains their responsibility to promptly notify Durante & Waters if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Durante & Waters’ previous recommendations and/or services. Investment Management Services Clients can engage Durante & Waters to manage all or a portion of their assets on a discretionary basis. Durante & Waters primarily allocates clients’ investment management assets among mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities, certificates of deposit, and/or Independent Managers (as defined below) in accordance with the investment objectives of the

client. Durante & Waters also provides advice about any type of investment held in clients' portfolios. Durante & Waters tailors its advisory services to the individual needs of clients. Durante & Waters consults with clients initially and on an ongoing basis to develop a financial plan or similar goal/risk questionnaire to determine risk tolerance, time horizon and other factors that may impact the clients’ investment needs. Durante & Waters ensures that clients’ investments are suitable for their investment needs, goals, objectives and risk tolerance. Clients are advised to promptly notify Durante & Waters if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon Durante & Waters’ management services. Use of Independent Managers As mentioned above, Durante & Waters recommends that certain clients authorize the active discretionary management of a portion of their assets by and/or among certain independent investment managers (“Independent Managers”), based upon the stated investment objectives of the client. The terms and conditions under which the client engages the Independent Managers are set forth in a separate written agreement between Durante & Waters or the client and the designated Independent Managers. Durante & Waters renders services to the client relative to the discretionary and/or non-discretionary selection or recommendation of Independent Managers. Durante & Waters also monitors and reviews the account performance and the client’s investment objectives. Durante & Waters receives an annual advisory fee which is based upon a percentage of the market value of the assets being managed by the designated Independent Managers. When recommending or selecting an Independent Manager for a client, Durante & Waters reviews information about the Independent Manager such as its disclosure brochure and/or material supplied by the Independent Manager or independent third parties for a description of the Independent Manager’s investment strategies, past performance and risk results to the extent available. Factors that Durante & Waters considers in recommending an Independent Manager include the client’s stated investment objectives, management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fees charged by the designated Independent Managers, together with the fees charged by the corresponding designated broker-dealer/custodian of the client’s assets, may be exclusive of, and in addition to, Durante & Waters’ investment advisory fee set forth above. Additionally, the client may incur additional fees than those charged by Durante & Waters, the designated Independent Managers, and corresponding broker-dealer and custodian. In addition to Durante & Waters’ written disclosure brochure, the client also receives the written disclosure brochure of the designated Independent Managers. Certain Independent Managers may impose more restrictive account requirements and varying billing practices than Durante & Waters. In such instances, Durante & Waters may alter its corresponding account requirements and/or billing practices to accommodate those of the Independent Managers.