CKW Financial Group, LLC is an SEC-registered investment adviser with its principal place of business located in Hawaii. Registration with the SEC does not imply a certain level of skill or training. CKW Financial Group, LLC began conducting business in 2009. Listed below are the firm's principal’s (i.e., those individuals controlling 25% or more of this company).  Carl E. Choy, Managing Member  Lynne R. Kinney, Managing Member CKW Financial Group, LLC offers the following advisory services to our clients: INVESTMENT SUPERVISORY SERVICES ("ISS") MODEL PORTFOLIO MANAGEMENT Our firm provides portfolio management services to clients using model asset allocation portfolios. Each model portfolio is designed to meet a part of a client’s investment goal. We manage the models on a discretionary basis. Account supervision is guided by the personal discussions with the client, in which the client’s expressed goals and objectives are used to then determine which model best suits the client's circumstances based on client provided information. Once we determine the suitability of the portfolio, the portfolio is managed based on the portfolio's goal, rather than on each client's individual needs. The management of individual client needs is managed outside of the above models. Clients Name of Model Detailed Description for Each Model CKW Opportunistic Global Balanced Global Balanced Portfolio Stock 65%/Bond 35% benchmark CKW Opportunistic Global Conservative Balanced Global Balanced Portfolio Stock 50%/Bond 50% benchmark CKW Sprinkle Opportunistic Global Balanced Global Balanced Portfolio Stock 65%/Bond 35% benchmark CKW Income With Growth Global Balanced Portfolio Stock 25%/Bond 75% benchmark CKW Global Equity 100% Equity CKW Stock 85%/Bond 15% Global Balanced Portfolio Stocks 85%/Bonds 15% benchmark CKW Opportunistic Global Balanced “Local Banks” Global Balanced Portfolio Stock 65%/Bond 35% benchmark retain individual ownership of all securities. Our investment recommendations are not limited to any specific product or service offered by a broker dealer or insurance company and will generally include advice regarding the following securities:  Exchange-listed securities  Securities traded over-the-counter  Corporate debt securities (other than commercial paper)  Commercial paper  Certificates of deposit  Municipal securities  Mutual fund shares  United States governmental securities  Options contracts on securities  Other client selected or defined assets owned by client not recommended by CKW. Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client's expressed investment

objectives, tolerance for risk, liquidity and suitability. To ensure that our initial determination of an appropriate portfolio remains suitable and that the account continues to be managed in a manner consistent with the client's financial circumstances, we will: 1. at least annually, contact each client to discuss any changes in the client's financial situation or investment objectives; 2. be reasonably available to consult with the client. INVESTMENT CONSULTING SERVICES We provide advisory services separately or in combination. While the primary clients for these services will be pension, endowment, foundation, family office, profit sharing and 401(k) plans, we offer these services, where appropriate, to individuals and trusts, estates and charitable organizations. Investment Consulting Services are comprised of four distinct services. Clients may choose to use any or all of these services. Investment Policy Statement Preparation (hereinafter referred to as ''IPS''): We assist in the development investment strategy that reflects the plan sponsor's investment objectives for the overall plan. Our firm assists in the preparation of a written IPS. Selection of Investment Manager or Vehicles: We assist plan sponsors in constructing appropriate asset allocation models. We then review various investments (both index and managed) to determine which investments are appropriate to implement the client's IPS. The investments are recommended to the client, based on the IPS. Monitoring of Investment Performance: We monitor client investments and will make recommendations to the client as market factors and the client's needs change. Employee or client Communications: For pension, profit sharing and 401(k) plan clients with individual plan participants exercising control over assets in their own account (''self-directed plans''), we may also provide quarterly educational support and investment workshops designed for the plan participants. The educational support and investment workshops will NOT provide plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. We may provide educational support and investment workshops designed for plan Trustees and other decision making individuals or groups. Wrap Fee Program: Accounts that participate in the wrap fee program are invested into a designated model with the exception of accounts held on the Envestnet Platform. CKW retains 100% of fees for services within wrap fee accounts. AMOUNT OF MANAGED ASSETS As of 12/31/2023, we manage approximately $1,032,113,589 of clients' assets on a discretionary basis plus $937,681,972 of clients' assets on a non-discretionary basis.