A. Description of the Advisory Firm This firm has been in business since March 6, 2009, and the principal owners are Philip J. Toffel and Frank M. Antalek. SAGE HILL provides financial advisement and investment management to individuals, families and their related entities, trusts and estates, and family businesses. SAGE HILL works with clients to define financial objectives and to develop strategies for reaching those objectives, some of which may include: identification of financial problems, cash flow and budget management, tax planning, risk exposure review, investment management, education funding, retirement planning, estate planning, charitable goals, special needs planning, family business succession issues, fringe benefits, and/or other issues specific to the client. Assets under the direct management of SAGE HILL are held by independent custodians, in the client’s name. SAGE HILL does not act as a custodian of client assets. We may recommend other professionals (e.g., lawyers, accountants, insurance agents, real estate agents, etc.) at the request of the client. Other professionals are engaged directly by the client on an as-needed basis even when recommended by the Advisor. Conflicts of interest will be disclosed to the client and managed in the best interest of the client. B. Types of Advisory Services Sage Hill Advisory and Management, LLC (hereinafter “SAGE HILL”) offers the following services to advisory clients: Investment Supervisory Services SAGE HILL offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. SAGE HILL creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan (the Investment Policy Statement) to aid in the selection of a portfolio that matches each client’s specific situation. Investment Supervisory Services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring SAGE HILL evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. SAGE HILL will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to

each client. Selection of Other Advisors SAGE HILL may direct clients to third party money managers. SAGE HILL will not be compensated via a fee share from the advisors to which it directs those clients. Before selecting other advisors for clients, SAGE HILL will always ensure that those other advisors are properly licensed or registered as investment advisor. Financial Planning Financial Planning services include the comprehensive analysis of personal and business goals in the areas of cash flow planning, estate planning, business succession planning, taxes, investments, and risk management. After identifying goals, a strategic plan is established with Sage Hill coordinating execution of various tactics to achieve results consistent with the plan. The fees for these services are based on a percentage of net worth; the final fee structure is documented in Exhibit II of the Financial Planning Agreement. Services Limited to Specific Types of Investments SAGE HILL limits its investment advice and/or money management to mutual funds, equities, bonds, fixed income, debt securities, ETFs, real estate, hedge funds, third party money managers, REITs, insurance products including annuities, private placements, and government securities. SAGE HILL may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions SAGE HILL offers the same suite of services to all of its clients. However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent SAGE HILL from properly servicing the client account, or if the restrictions would require SAGE HILL to deviate from its standard suite of services, SAGE HILL reserves the right to end the relationship. D. Wrap Fee Programs SAGE HILL does not participate in any wrap fee programs. E. Amounts Under Management SAGE HILL has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $67,663,092 $0.00 12/31/2023