Portfolio Management Services We offer tactically-managed portfolios through the Select Money Management, Inc. Advisor Managed Portfolios Wrap Fee Program (the “Program”). We serve as sponsor and investment manager for the Program, which is a fee-only investment management program offered on a discretionary basis. This Program is based on our proprietary tactical asset allocation methodology. Portfolios are created using strategies primarily consisting of mutual funds, exchange-traded funds (ETFs), individual stocks, and/or other listed securities. We will recommend your portfolio allocation based on our understanding of your specific financial circumstances, anticipated future financial needs, investment goals, return objectives, investment horizon, and risk tolerance. Acting in a limited discretionary capacity, we will choose when to execute any trade for your benefit and risk. The portfolios offered under the Program require a minimum of $100,000 of investable assets. We may waive the minimum requirements at our discretion. When you engage in our portfolio management services under our Program, your assets will be held in custody at AssetMark Trust who employs Fidelity Brokerage, LLC and National Financial Services, LLC (collectively, “Fidelity”) as its sub-custodian to provide certain custodial and brokerage services. Fidelity is a member of both the Financial Industry Regulatory Authority (FINRA) and the New York Stock Exchange. Select Money Management, Inc. (“SMM”) is not affiliated with AssetMark Trust or Fidelity. Prior to engaging us to provide our services you will be required to enter into a Portfolio Management Services Agreement setting forth the terms and conditions under which we will provide our services. By its terms, you will grant us limited discretionary authority to manage the assets held in your account through the purchase, sale, exchange, redemption, conversion, or other disposition of investments, income, or proceeds deposited and held in your account. Select Money Management, Inc. 2 Wrap Fee Brochure v.5-24 Fees Our standard Program fee schedule is as follows: Tactical Profiles Profile 1 Profile 2 Profile 3 Profile 4 Profile 5 Profile 6 Risk Conservative Moderately Conservative Moderate Moderate Growth Moderately Aggressive Aggressive Est. Equity Allocation 0 - 29% 30% - 44% 45% - 59% 60% - 74% 75% - 89% 90% - 100% Fee 1.00% 1.25% 1.50% 1.70% 1.90% 2.00% The Program fee includes such services as investment management, securities transaction costs, the custodian’s monthly reports, account servicing, and continuous account management. We may negotiate any of our fees, taking into consideration such variables as the size of your account, the number of managed portfolios, your relationship with other clients, the length of our relationship with you, the complexity of your personal circumstances, the composition of your portfolio, the complexity of investment strategies, the frequency of desired meetings or special reporting, and other factors that affect our cost of providing services for you. For these reasons, our fees may vary among clients who may have a similar amount of assets under our management. In any event, we disclose your specific fee in your Portfolio Management Services Agreement. We may from time to time unilaterally amend our fees and billing arrangements. Any increase in our fee schedule will only become effective after 30-days prior written notice to existing clients. Advisory fees on your accounts are assessed by AssetMark at the beginning of the quarter (January, April, July, and October), using the market value of your account on the last business day of the previous quarter end. These fees are deducted directly from your account within 5-10 business days after being assessed. In addition to the quarterly billing cycle, AssetMark also calculates fees on new money added to your new or existing account during the quarter. These advisory fees are deducted directly from your account within 5-10 business days after being assessed. When you close an account on the platform, any advisory fees paid in advance are eligible for refund. The amount refunded will be pro-rated based on your account termination date and will be posted to your account by the 5th business day of the month following termination. Compensation The firm receives a portion of the Program fee, as does your investment advisor representative, which may be an incentive to your advisory representative to

recommend this Program over other programs or Select Money Management, Inc. 3 Wrap Fee Brochure v.5-24 services. According to the Program Fee schedule above, the firm receives between .90% and 1.90% and the investment advisor representatives receive approximately 40% of what the firm receives. The amount of this compensation may or may not be more than what they would receive if you paid separately for investment advice, brokerage, and other services. To mitigate this conflict, we and our representatives are bound to act solely in your best interest including when advising on investment programs and fee arrangements. You may be able to receive comparable services from other investment advisors and pay fees that are higher or lower than those under our Program. Mutual Funds Expenses and Share Classes Many mutual funds are offered with more than one type of fee structure, commonly known as “share classes”. Share classes differ in terms of what fees and expenses are deducted from the mutual fund’s pooled investment assets, since these fees and expenses are usually not billed separately to each mutual fund shareholder. While there are a variety of fees investors may encounter when purchasing a mutual fund, common fees or expenses include management fees paid to the fund’s investment manager, operating expenses used to pay for the day-to-day costs incurred to operate the mutual fund, and distribution fees (known as “12b-1” fees) used to promote, advertise, or compensate financial professionals for aiding in sales of a mutual fund. Though not all mutual fund shares classes include each of the fees or expenses described here, what remains consistent is that a mutual fund’s share class with a lower total annual expense, as compared to another share class of the same fund, can result in a significant difference in investment returns over time. It is typical for mutual funds to set certain eligibility requirements, such as minimum investment amounts, for an investor to qualify for purchasing a lower cost share class. You can learn more about a specific mutual fund’s available share classes and the fees, loads, expenses, and eligibility requirements by reading the mutual fund’s prospectus. In addition, we encourage you to ask your representative about the fees and expenses associated with mutual funds you currently own or those presented to you. The firm is dependent upon AssetMark Trust and Fidelity for its custody, clearing, and execution services for the Program. In addition, Fidelity has agreements in place with mutual fund distributors in order for the firm’s investment advisory clients to have access to mutual funds for the Program. While Fidelity has these agreements in place with a large variety of mutual fund sponsors, not all mutual funds are available through Fidelity. Also, many mutual funds offer different share classes, often for the same fund, representing different fee and expense structures paid by shareholders of a fund. Certain classes of shares may not be available through Fidelity and consequently the firm’s clients may not have access to a lower costing share class otherwise available to investors directly from the fund, a different clearing firm, or other financial intermediary. This limitation could result in our clients purchasing and/or holding a more expensive share class of a mutual fund thereby reducing investment returns. Despite our reasonable efforts, there is no guarantee that you will always be in the most cost advantageous share class. Consequently, for any type of mutual fund investment, it is important for you to understand that you are directly and indirectly paying two levels of advisory fees and expenses: one layer of fees at the fund level and one layer of fees to us. Select Money Management, Inc. 4 Wrap Fee Brochure v.5-24 Other Fees and Expenses Not Included in the Program Fee Custodial costs not included in the Program fee include but are not limited to: custodial IRA annual maintenance fees, custodial termination fees, SEC activity assessment fees, federal funds wire transfer fees and overnight check delivery fees. You will be responsible to pay any redemption fees such as mutual fund contingent deferred sales charges otherwise known as “back-end loads” that may be imposed by a mutual fund company upon liquidation. These charges will be netted from the applicable securities transactions or deducted from your account and will appear on your periodic account statements, as and when applicable.