Joseph Kilner, Manager, Principal and CCO of KCA, has been providing advisory services since 2006. Joseph Kilner is also the majority owner of KCA Holding, Inc., the majority owner of KCA. As of December 31, 2023, KCA managed $283,066,409 on a discretionary basis in regulatory assets under management. The total amount of assets under advisement for participant directed retirement plans is $2,284,263. InvestmentManagementServices: KCA manages investment portfolios for individuals, qualified retirement plans, trusts, charitable organizations, corporations and small businesses. KCA will work with a client to determine the client's investment objectives and investor risk profile and will design a written investment policy statement. KCA uses investment and portfolio allocation software to evaluate alternative portfolio designs. KCA evaluates the client's existing investments with respect to the client's investment policy statement. KCA works with new clients to develop a plan to transition from the client's existing portfolio to the portfolio recommended by KCA. KCA will then continuously monitor the client's portfolio holdings and the overall asset allocation strategy and hold review meetings with the client regarding the account as necessary. When feasible, KCA will typically create a portfolio of no-load mutual funds and may use model portfolios if the models match the client's investment policy. KCA will allocate the client's assets among various investments, taking into consideration the overall management style selected by the client. KCA primarily recommends portfolios consisting of passively managed asset class and index mutual funds. KCA primarily recommends mutual funds offered by Dimensional Fund Advisors (DFA) and AQR Capital Management, LLC (AQR). DFA and AQR sponsored mutual funds follow a passive asset class investment philosophy with low holdings turnover. KCA manages mutual fund and equity portfolios on a discretionary basis per the investment policy selected by the client. Client portfolios may also include some legacy individual equity securities in situations where disposition of these securities would present an overriding tax implication or the client specifically requests they be retained for a personal reason. These situations will be specifically identified in the client’s Investment Policy Statement (IPS) or documented via the Firm’s CRM system. A client may impose any reasonable restrictions on KCA’s discretionary authority, including restrictions on the types of securities in which KCA may invest client’s assets and on specific securities, which the client may believe to be appropriate. KCA may also recommend fixed income securities to investment management clients, including individual bonds. KCA will have discretionary authority from investment management clients to manage fixed income securities. KCA will also consider fixed income securities within its overall Investment Policy Statement for any client requesting fixed income services. KCA will answer clients’

inquiries and at least quarterly, will review performance and activity regarding their accounts. KCA will, at least annually, review clients’ investment policy, risk profile and discuss the re-balancing of each client's accounts to the extent appropriate. In addition to managing the client’s investment portfolio, KCA may consult with clients on various financial areas including income and estate tax planning, business sale structures, college financial planning, retirement planning, insurance analysis, personal cash flow analysis, establishment and design of retirement plans and trust designs, among other things. EmployeeBenefitPlanServices: KCA also provides advisory services to participant-directed retirement plans through third party administration services, which are online bundled service providers offering an opportunity for plan sponsors to provide their participants with daily account access, valuation, and investment education. KCA will analyze the plan's current investment platform, and assist the plan in creating an IPS defining the types of investments to be offered and the restrictions that may be imposed. KCA will recommend investment options to achieve the plan's objectives, provide participant education meetings, and monitor the performance of the plan's investment vehicles. KCA will recommend changes in the plan's investment vehicles as may be appropriate from time to time. KCA generally will review the plan's investment vehicles and investment policy as necessary. KCA will continue to work with plans to monitor plan investments, provide fiduciary plan advice including regular considerations of the goals and objectives of the plan, and provide participant education services to the plan. ConsultingServices KCA also provides clients with varying consulting services. In general, consulting services may include any or all of the following areas of concern: - PERSONAL: Family records, budgeting, personal liability, estate information and financial goals. - EDUCATION: Education IRAs, financial aid, state savings plans, grants and general assistance in preparing to meet dependent’s continuing educational needs through development of an education plan. - TAX & CASH FLOW: Income tax and spending analysis and planning for past, current and future years. KCA may illustrate the impact of various investments on a client’s current income tax and future tax liability. - DEATH & DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis. - RETIREMENT: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals. - INVESTMENTS: Existing portfolio review. Analysis of investment alternatives and their effect on a client’s portfolio. - STRATEGIC PLANNING: Analysis and strategic business planning and development. Additionally, KCA provides advice on non-securities matters. Generally, this is relating to the rendering of estate planning, insurance, and/or annuity advice.