Asset management services are provided via LPL Financials’ SWM (Strategic Wealth Management) program. Through this service, our firm offers a customized and individualized investment program for clients. A specific asset allocation strategy is crafted to focus on your goals and objectives. You will be required to complete a Confidential Profile & Questionnaire in order to help define the risk tolerance and investment objective of the client. Hapanowicz and Associates Strategic Wealth Investment Management accounts (H&A SWIM) are established at LPL Financial (referred to as “LPL Financial” or “LPL” throughout) in its capacity as a registered broker/dealer, member Financial Industry Regulatory Authority (FINRA) and Securities Investors Protection Corporation (SIPC). Clearing, custody and other brokerage services are provided by LPL Financial for accounts established through the H&A SWIM. Therefore, you may be required to establish a brokerage account(s) through LPL Financial’s SWM platform. Separate accounts are maintained for each client. Each client retains all rights of ownership of their accounts (e. g. right to withdraw securities or cash, exercise or delegate proxy voting, and receive transaction confirmations). Within H&A SWIM accounts, clients authorize Hapanowicz & Associates to purchase and sell on a discretionary basis portfolios consisting of securities and investments. Hapanowicz & Associates may limit its discretion with respect to the client account and the securities eligible to be purchased for the client account. Prior to engaging Hapanowicz & Associates to provide investment management services, you will be required to enter into a formal investment advisory agreement with Hapanowicz & Associates setting forth the terms and conditions, including the amount of investment advisory fees, under which Hapanowicz & Associates shall manage your assets, and a separate custodial/clearing agreement with LPL Financial. The annual investment advisory fee charged shall vary up to 2.0% of the assets held in the account and is determined by the market value of the account, asset types, the client’s financial situation and trading activity, and is negotiable with the client. The annual fee shall be divided and payable quarterly in advance through a direct debit in the client account. LPL Financial is responsible for calculating and debiting all fees from client accounts. Clients must provide LPL Financial written authorization to debit advisory fees from their accounts and pay such fees to Hapanowicz & Associates. Fees are based on the account's asset value as of the last business day of the prior calendar quarter. Fees for accounts opened at any time other than the beginning of a quarter will be prorated based on the number of days remaining in the initial quarter. Advisory fees for the current calendar quarter are based on the Account's asset value as of the last business day of the prior calendar quarter. For billing purposes, the market value used by Advisor in calculating the quarterly advisory fee will vary from the market value reported in the account statements sent by LPL due to the timing differences associated with the receipt of dividends and interest. Fees for

Accounts opened at any time other than the beginning of a quarter will be based on the value of assets when the Account is opened and will be prorated based on the number of days remaining in the initial quarter. In addition, any additions to or withdrawals from the Account during the quarter will be prorated, based on the number of days remaining in the quarter, for the purpose of calculating the advisory fee. The minimum household account size is $1,000,000 with the exception of $300,000 for family members of existing clients. Exceptions to these minimums may be granted at the discretion of the firm You may open a H&A SWIM1 or H&A SWIM2 account. In a H&A SWIM1 account, in addition to the investment advisory fee, you will pay certain transaction charges to defray the costs associated with trade execution. These costs are set out in the LPL Strategic Wealth Management platform brokerage account and application agreement. In the H&A SWIM2 account, you do not pay transaction charges associated with trade execution. However, the total advisory fee charged by the firm for H&A SWIM2 accounts is higher than the advisory fee charged for H&A SWIM1 accounts. Higher fees for SWIM2 accounts are charged by Hapanowicz & Associates to help absorb the transaction costs. H&A SWIM1 / SWIM2 accounts may cost you more or less than if the assets were held in a traditional brokerage account. In a brokerage account, the client is charged commissions for each transaction, and the representative has no duty to provide ongoing advice with respect to the account. If you plan to follow a buy and hold investment strategy for the account or do not wish to purchase ongoing investment advice or management services, you should consider opening a brokerage account rather than a H&A SWIM1 or SWIM2 account. You may incur certain charges imposed by third parties other than Hapanowicz & Associates in connection with investments made through the account, including but not limited to, 12b-1 fees and surrender charges and IRA and qualified retirement plan fees. Management fees charged by Hapanowicz & Associates (which include transaction and execution fees charged by LPL Financial for H&A SWIM2 accounts) are separate and distinct from the fees and expenses charged by investment company securities that may be recommended to clients. A description of these fees and expenses are available in each investment company security’s prospectus. Hapanowicz & Associates and our investment advisor representatives will not receive any portion of the commissions charged to the client. However, such commissions will be retained by LPL Financial. These commissions may include 12b-1 fees, surrender charges, and IRA and qualified retirement plan fees. The compensation of our advisor representatives may be tied to the overall performance of the firm’s advisory business. As a result, the compensation to our advisor representatives may be greater if you participate in our wrap fee program versus what the representatives would receive if you participated in a brokerage or other program. Our advisor representatives may therefore have an incentive to recommend our wrap fee program over other programs offered by our firm.