Firm Description and Types of Advisory Services IFO provides various financial services to high net worth individuals, their families, their affiliated entities and certain charitable entities (each referred to as “Client”). These services include advice and implementation support for issues associated with investments, bill paying, payroll, reporting, estate planning, trust accounting, income tax planning, preparation and compliance, cash management and personal risk management, as well as the selection of other advisers. In limited instances, IFO will manage Client investment accounts separately. IFO was founded in 2005. The Advisor serves as a fiduciary to Clients, as defined under applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Our fiduciary commitment is further described in our Code of Ethics. For more information regarding our Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Principal Owners W. Michael Reickert is majority owner and Managing Member of IFO. Types of Advisory Services: Wealth Management Services IFO provides wealth management services for its Clients. These services generally include a broad range of comprehensive financial planning in connection with discretionary investment management of Client portfolios. These services are described below. Investment Supervisory Services In the context of its investment supervisory services, IFO works with its clients to (1) identify their investible assets, expected cash flows, and projected tax liabilities, (2) assess their risk tolerances, (3) assess possible and probable investing outcomes based on historical statistics for various asset allocations, (4) determine an appropriate allocation of assets based on the foregoing factors, (5) identify suitable investment vehicles on a best practices basis, (6) monitor the performance of the chosen vehicles to determine adherence to plan and expectations, and (7) report performance information to its clients. Individual determinations of investment allocation and investment vehicle selection are made by the Client. IFO may accept limited trading authority from Clients to implement an investment program. Retirement Accounts – When deemed to be in the Client’s best interest, the Advisor will recommend that a Client take a distribution from an ERISA sponsored plan or to roll over the assets to an Individual Retirement Accounts (“IRAs”), or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). In such instances, the Advisor will serve as an investment fiduciary as that term is defined under 5 Independent Family Office, LLC The Employee Retirement Income Security Act of 1974 (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Financial Planning IFO offers financial planning services, which include, but are not limited to: cash

management, risk management review, bill paying, reporting, insurance needs, retirement planning, estate and charitable giving planning, tax planning, and negotiation of financing. Investment supervisory services may be offered as a component of the overall financial planning services. These services may also be offered on a standalone basis. Financial planning recommendations may pose a conflict between the interests of the Advisor and the interests of the Client. For example, IFO has an incentive to recommend that Clients engage the Firm for investment management services or to increase the level of investment assets with the Firm, as it would increase the amount of advisory fees paid to IFO. Clients are not obligated to implement any recommendations made by the Firm or maintain an ongoing relationship with the Firm. If the Client elects to act on any of the recommendations made by the Firm, the Client is under no obligation to implement the transaction through the Firm. Use of Independent Managers IFO may recommend that certain Clients authorize the active discretionary management of a portion of their assets by and/or among certain independent investment manager(s) (Independent Manager(s)), based upon the stated investment objectives of the Client. The terms and conditions under which the Client shall engage the Independent Manager(s) shall be set forth in separate written agreements between the Client and the designated Independent Manager(s). IFO shall continue to render services to the Client relative to the discretionary selection of Independent Manager(s) as well as the monitoring and review of account performance and Client investment objectives. When selecting an Independent Manager for a Client, IFO shall review information about the Independent Manager(s) such as its disclosure statement and/or material supplied by the Independent Manager(s) or independent third parties for a description of the Independent Manager’s investment strategies, past performance and risk results to the extent available. Factors that IFO shall consider in selecting Independent Manager(s) include the Client’s stated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. IFO does not receive compensation for the recommendation of other Independent Managers. Tailored Relationships IFO tailors investment advisory services to the individual needs of the Client. The goals and objectives for each Client are documented in our Client relationship management system. 6 Independent Family Office, LLC Other Business Services IFO provides diverse services to high net worth individuals, their families, their affiliated entities and certain charitable entities. These services include advice and implementation assistance with issues associated with investments, estate planning, trust accounting, income tax planning, cash management and personal risk management. These services are intended to be similar to those that might be provided by a dedicated family office. IFO estimates that more than 75% of its activities on behalf of Clients represent services other than providing investment advice. Wrap Fee Programs IFO does not participate in a Wrap Fee Program. Client Assets As of December 31, 2023, IFO provided supervisory or management services for $556,353,136 in assets, of which $17,120 is supervised/managed on a non-discretionary basis and $556,336,016 is supervised/managed on a discretionary basis.