The Joseph Group LLC (dba The Joseph Group Capital Management) has a simple but powerful mission: to help create great lives…one story at a time. We strive to help clients identify their Purpose and use our Portfolios as well as Planning to help them live out that Purpose and fulfill their dreams. We were established in 1999 with the formation of The Joseph Group, Inc. (an Ohio sub-chapter S corporation) by twin brothers Matt Palmer and Mark Palmer. In 2012, The Joseph Group LLC (an Ohio limited liability company) was formed and registered with the U.S. Securities Exchange Commission as an Investment Adviser. Client-Adviser relationships with The Joseph Group, Inc. were then moved to The Joseph Group LLC. For the purpose of clarity, The Joseph Group, Inc. was renamed Twinvestments, Inc. (name change only) in 2018. Units of The Joseph Group LLC are owned by Twinvestments, Inc. and 4 Team Members Individually – R. Travis Upton, Todd Walter, B. Scott Mizer and Matthew D. Palmer. Twinvestments, Inc. is owned 50% by Matthew D. Palmer and 50% by Mark J. Palmer. Twinvestments, Inc. is not registered with the U.S. Securities Exchange Commission as an Investment Adviser and has no other business activities. We provide discretionary investment management and related investment advisory services. "Discretionary" investment management means you have given us authority to make investment changes in your account consistent with your objectives without the need to consult you in advance of the changes. In addition to investment management services, we make available to you financial planning services (typically at no additional charge) in several areas including, but not limited to: retirement, college funding, cash flow, tax, insurance, and estate planning. We also provide consultation services to plan sponsors of group retirement plans regarding a plan’s platform of available investments. In addition to Investment Guidance, we may make available (at no additional charge) Education Engagement & Fiduciary Guidance to group retirement plan sponsors. The process starts with helping you identify your purpose which leads to establishing goals and objectives. Once your goals and objectives are determined, each goal and objective is then matched with one of our investment strategies (discussed later in Item 8: Methods of Analysis, Investment Strategies and Risk of Loss). Accounts we manage have one of these strategies as the target allocation; however, you can always provide us with reasonable restrictions on specific securities or certain types of securities. As we work with you, our advisers proactively identify your financial planning needs and attempt to address those needs. As of December 31, 2023, the total assets we had under management and consulted on was $938,156,000. Of that total, The Joseph Group’s total discretionary Regulatory Assets Under Management were $811,713,000 (RAUM) and the remaining $126,443,000 of assets were comprised of group retirement plan assets for which we consult. Miscellaneous: Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. We generally provide planning and consulting services regarding non-investment related matters, such as tax and estate planning, insurance, etc. Typically, such services are included in our advisory fee set forth in Item 5 below (exceptions could occur based upon assets under management, advanced planning needs, special projects, etc. for which we may charge a mutually agreeable additional fee). We believe it is important for the client to address financial planning issues on an ongoing basis. Our advisory fee, as set forth in Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with us.

We do not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, we do not prepare legal documents, prepare tax returns, or sell insurance products. To the extent requested by you, we may recommend the services of other professionals for non-investment implementation purposes (i.e. attorneys, accountants, insurance, etc.). You are under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from us and/or our representatives. Further, if you engage any professional (i.e. attorney, accountant, insurance agent, etc.), recommended or otherwise, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from the engaged professional. At all times, the engaged licensed professional[s] (i.e. attorney, accountant, insurance agent, etc.), and not The Joseph Group, shall be responsible for the quality and competency of the services provided. Client Obligations. In performing our services, we shall not be required to verify any information received from you or your other professionals and we are expressly authorized to rely thereon. Moreover, it remains your responsibility to promptly notify us if there is ever any change in your financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Investment Risk. Diverse types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by us) will be profitable or equal any specific performance level(s). Cybersecurity Risk: The information technology systems and networks that we and our third- party service providers use to provide services to our clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in our operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and The Joseph Group are nonetheless subject to the risk of cybersecurity incidents. Although we have established systems to reduce the risk of cybersecurity incidents from coming to fruition, there is no guarantee that these efforts will always be successful, especially considering we do not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could also incur adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Cash Positions. We continue to treat cash as an asset class. As such, unless determined to the contrary by us, all cash positions (money markets/cash equivalents, etc.) in managed accounts shall continue to be included as part of assets under management for the purpose of calculating our advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), we may maintain cash positions for defensive and/or liquidity purposes. Further, while assets are maintained in cash positions, such amounts could miss market advances. Depending upon current yields, at any point in time, our advisory fee could exceed the interest paid by such a cash position.