BGWA is wholly owned by an affiliated accounting firm, Bland Garvey, P.C. and has been providing advisory services since 2006. As of December 31, 2023, BGWA managed $184,212,087 on a discretionary basis and $1,278,351 on a nondiscretionary basis. In addition, we also managed $23,812,961 of self- directed retirement account assets. InvestmentManagementServices: BGWA manages investment portfolios for individuals (including high net worth individuals), charitable organizations, corporations, qualified retirement plans, trusts, and small businesses. BGWA will work with the client to determine the client's investment objectives and investor risk profile and will design a written investment policy statement. BGWA uses investment and portfolio allocation software to evaluate alternative portfolio designs. BGWA evaluates the client's existing investments with respect to the client's investment policy statement. BGWA works with new clients to develop a plan to transition from the client's existing portfolio to the desired portfolio. BGWA will then continuously monitor the client's portfolio holdings and the overall asset allocation strategy and hold regular review meetings with the client regarding the account as necessary. BGWA will typically create a portfolio of no-load mutual funds, and may use model portfolios if the models match the client's investment policy. BGWA will allocate the client's assets among various investments taking into consideration the overall management style selected by the client. BGWA primarily recommends portfolios consisting of passively managed asset class and index mutual funds. BGWA primarily recommends mutual funds offered by Dimensional Fund Advisors (DFA). DFA sponsored mutual funds follow a passive asset class investment philosophy with low holdings turnover. Client portfolios may also include some 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). BGWA manages mutual fund and equity portfolios on a discretionary basis according to the investment policy selected by the client. A client may impose any reasonable restrictions on BGWA’s discretionary authority, including restrictions on the types of securities in which BGWA may invest client’s assets and on specific securities, which the client may believe to be appropriate. UseofThird‐PartySub‐Advisers: BGWA has retained Buckingham Strategic Partners to act as a sub-advisor for certain client accounts. Buckingham Strategic Partners shall provide various model asset allocation portfolios (each a “Portfolio”, collectively “Portfolios”) for selection by BGWA. Each Portfolio strives to achieve long-term risk and return objectives through diversification among multiple asset classes using investment options available to Buckingham Strategic Partners, which may include, but are not limited to, mutual funds and/or exchange traded funds from Dimensional Fund Advisors LP, Bridgeway Capital Management, Inc., AQR Capital Management, LLC, The Vanguard Group, Inc., Stoneridge Asset Management, LLC or other providers selected by Buckingham Strategic Partners. Each Portfolio is designed to meet a particular investment goal which BGWA has determined is suitable based on the client's circumstances. Once the appropriate Portfolio(s) has been determined, the Portfolio will continuously be managed based on the portfolio’s goal and Buckingham Strategic Partners will have the discretionary authority to manage the Portfolio(s), including periodically rebalancing. However, Adviser, on behalf of its client, will have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Should material life events occur, clients should immediately contact BGWA to determine if changes to an account and the allocation

of the assets held in the account are necessary. BGWA may also recommend fixed income portfolios to investment management clients, which consist of managed accounts of individual bonds. BGWA will request discretionary authority from investment management clients to manage fixed income portfolios, including the discretion to retain a third-party fixed income manager. BGWA will prepare a Fixed Income Investment Policy Statement for any client qualifying for separate fixed income portfolio services. Pursuant to its discretionary authority, BGWA will retain a fixed income securities manager. The fixed income securities manager will be provided with the discretionary authority to invest client assets in fixed income securities consistent with the client’s Fixed Income Investment Policy Statement. The manager will also monitor the account for changes in credit ratings, security call provisions, and tax loss harvesting opportunities (to the extent that the manager is provided with cost basis information). The manager will obtain BGWA’s consent prior to the sale of any client securities. On an ongoing basis, BGWA will answer clients’ inquiries regarding their accounts and review periodically with clients the performance of their accounts. BGWA will periodically, and at least annually, review clients’ investment policy, risk profile and discuss the re- balancing of each client's accounts to the extent appropriate. BGWA will provide to investment manager any updated client financial information or account restrictions necessary for investment manager to provide sub-advisory services. In addition to managing the client’s investment portfolio, BGWA 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. EmployeeBenefitRetirementPlanServices: BGWA also provides advisory services to participant-directed employee retirement benefit plans. BGWA will analyze the plan's current investment platform, and assist the plan in creating an investment policy statement defining the types of investments to be offered and the restrictions that may be imposed. BGWA will recommend investment options to achieve the plan's objectives, provide participant education meetings, and monitor the performance of the plan's investment vehicles. BGWA will recommend changes in the plan's investment vehicles as may be appropriate from time to time. BGWA generally will review the plan's investment vehicles and investment policy as necessary. For certain retirement plans, BGWA also works in coordination and support with Buckingham Strategic Partners, LLC. Retirement plan clients will engage both BGWA and Buckingham Strategic Partners, LLC. Buckingham Strategic Partners, LLC will provide to the client additional discretionary investment management services and will exercise discretionary authority to select the plan investments made available to the plans’ participants by selecting and maintain the plans’ investments according to the goals and investment objectives of the plan. BGWA 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. Clients can also receive investment advice on a more limited basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, reviewing a client's existing portfolio, or any other specific topic. BGWA also provides specific consultation and administrative services regarding investment and financial concerns of the client. Additionally, BGWA provides advice on non-securities matters. Generally, this is in connection with the rendering of estate planning, insurance, and/or annuity advice.