IVP is an independent registered investment adviser founded in 2012 by its principals, Carter A. Pearl, CFA and Daniel S. Flack, CFA. IVP provides its clients with investment management services, as well as financial planning and consulting services. Prior to the rendering of any of the foregoing advisory services, clients are required to enter into one or more written agreements with IVP setting forth the relevant terms and conditions of the advisory relationship (the “Agreement”). As of December 29, 2023, IVP had $159,542,921 of assets under management, all of which was managed on a discretionary basis. While this brochure generally describes the business of IVP, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or any other person who provides investment advice on IVP’s behalf and is subject to the Firm’s supervision or control. Investment Management Services IVP manages client investment portfolios on a discretionary basis. IVP primarily allocates client assets among individual debt and equity securities and various mutual funds, in accordance with the investment objectives of its individual clients. When appropriate for the client, IVP may recommend or utilize one or more sub-advisors to assist with the management of portions of the client’s account. On a more limited basis, the Firm allocates client assets among exchange-traded funds (“ETFs”) and certificates of deposit. Where appropriate, the Firm may also provide advice about any type of legacy position or other investment held in client portfolios. Clients may also engage IVP to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, IVP directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. IVP tailors its advisory services to meet the needs of its individual clients and continuously seeks to ensure that client portfolios are managed in a manner consistent with their specific investment profiles. IVP consults with clients on an initial and ongoing basis to determine their specific risk tolerance, time horizon, liquidity constraints and other qualitative factors relevant to the management of their portfolios. Clients are advised to promptly notify IVP if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients may impose reasonable restrictions or mandates on the management of their accounts if IVP determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to

the Firm’s management efforts. Information Regarding the Use of Independent Managers (Sub-Advisors) Under the client’s Investment Management Services Agreement, the client will grant IVP and/or the selected independent investment manager trading authorization over the client’s account. Independent investment managers may use stocks, bonds or other types of investments, depending on the client’s investment objectives and the independent investment manager’s management style. Factors that IVP considers in recommending independent managers include the client’s stated investment objective(s) and risk tolerance level, as well as the independent manager’s management style, performance, reputation, and financial strength, among other things. Clients will be provided with any Independent Manager’s Form ADV 2A disclosure brochure and Privacy Notice. Once the portfolio is constructed, IVP provides ongoing monitoring of the portfolio and/or independent manager as changes in market conditions and client circumstances may require. Financial Planning and Consulting Services In limited circumstances, IVP may provide clients with certain financial planning and/or consulting services. In performing these services, IVP is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.) and is expressly authorized to rely on such information. IVP may recommend the services of itself or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if clients engage IVP to provide additional fee-based services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by IVP under a financial planning or consulting engagement or to engage the services of any such recommended professionals, including IVP itself. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising IVP’s previous recommendations and/or services. Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. Conflict of Interest The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. For example, if you roll over an IRA or 401k account to our firm or otherwise transfer any other account to our firm, we will charge your account and make money. If you decide to not roll over the IRA or other account to our program, we will not make money. Therefore, we have a financial incentive to recommend that you move your account to our program even if it is not in your best interest.