A. Lighthouse Financial Advisors, Inc. (“Lighthouse”) is a New Jersey corporation formed in May 1999, which became a registered investment adviser in June 1999. Robert B. Walsh, President, is Lighthouse’s principal owner. B. Lighthouse offers to provide comprehensive financial planning and investment advisory services, tax, estate planning, risk management, retirement planning, and business development services to its clients. Lighthouse’s clients generally include individuals, high net worth individuals (along with affiliated trusts and estates), and charitable organizations. WEALTH MANAGEMENT SERVICES Clients can engage Lighthouse to provide holistic comprehensive financial planning and implementation services on a fixed, fee only basis (collectively, “Wealth Management Services”) subject to the terms and conditions of a written agreement. This program is designed for clients seeking ongoing advice, education, and implementation assistance, which also includes four to eight scheduled meetings during the initial year, and two to four scheduled meetings during future years. It also includes additional in-person, email, and phone consultations for no additional charge. Wealth Management Services may include discretionary or non-discretionary investment advisory services, tax preparation, tax planning, insurance review, budgeting & cash flow, inventory of assets and liabilities, analysis of financial goals, portfolio analysis, development of an asset allocation strategy and recommended investments, retirement planning and estate plan reviews. Lighthouse’s Wealth Management Services are specifically tailored to the needs of each client. To begin the engagement, an investment adviser representative will collaborate with the client to develop investment objectives, which are based upon an assessment of factors that typically include capital preservation, risk tolerance, income production, liquidity requirements, client preferences, asset and liability levels, and investment preferences and restrictions. After developing and typically documenting the client’s investment objectives, Lighthouse will execute its customized investment strategy. Generally, Lighthouse allocates client investment assets among mutual funds and exchange traded funds (“ETFs”), and to a lesser extent individual equities, individual bonds, cash, and cash equivalents. Once allocated, Lighthouse provides ongoing monitoring and review of account performance and asset allocation as compared to client investment objectives and may periodically execute or recommend account transactions based upon those reviews or other triggering events. Clients may impose written restrictions at any time about investing in certain securities or types of securities. FINANCIAL REVIEW SERVICES For clients without complex financial objectives and on a limited basis, Lighthouse may offer to provide a financial review session held over the course of a three-hour meeting in exchange for a single payment. RETIREMENT PLAN CONSULTING SERVICES Lighthouse also offers to provide retirement plan consulting services to sponsors of self-directed retirement plans and defined benefit plans organized under the Employee Retirement Security Act of 1974 (“ERISA”). Lighthouse performs these services in an ERISA Section 3(21) capacity, by assisting with the development of investment policy statements, and then the selection and monitoring of investment alternatives from which plan participants may choose in self-directing the investments for their individual plan retirement accounts. Upon request by the plan sponsor, Lighthouse may also provide participant education designed to assist participants in identifying the appropriate investment strategy for their retirement plan accounts. The terms and conditions of the engagement will be set forth in a written agreement between Lighthouse and the plan sponsor. TAX PREPARATION SERVICES Upon client request, Lighthouse may agree to provide tax preparation services on a stand-alone separate fee basis. MISCELLANEOUS Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. Lighthouse may provide financial planning and related consulting services generally as part of its Wealth Management Services or in limited cases or according to the terms and conditions of a stand-alone financial planning agreement. While Lighthouse’s representative, Brennan Guli, is a licensed attorney, he does not provide legal services to Lighthouse’s clients. Therefore, there is no attorney / client relationship established between Mr. Guli and any Lighthouse client by virtue of the investment advisory engagement. Without limiting the above, Lighthouse does not serve as a law firm, accounting firm, or insurance agency, and no portion of Lighthouse’s services should be construed as legal, accounting, or insurance implementation services. Lighthouse does not prepare estate planning documents or sell insurance products. Unless specifically agreed in writing, neither Lighthouse nor its representatives are responsible to implement any financial plans or financial planning advice; provide ongoing financial planning services; or provide ongoing monitoring of financial plans or financial planning advice. The client is solely responsible to revisit the financial plan or financial planning advice with Lighthouse, if desired. The client retains absolute discretion over all financial planning and related implementation decisions and is free to accept or reject any recommendation from Lighthouse and its representatives in that respect. Lighthouse’s financial planning and consulting services are completed upon communicating its recommendations to the client, upon delivery of the written financial plan, or upon termination of the applicable agreement. To the extent requested by a client, Lighthouse may recommend the services of other professionals for certain non-investment implementation purposes (i.e., attorneys, accountants, insurance agents, etc.). Clients are under no obligation to engage the services of any recommended professional who is responsible for the quality and competency of the services they provide. Non-Discretionary Service

Limitations. Clients that determine to engage Lighthouse on a non-discretionary basis acknowledge that Lighthouse cannot execute any account transactions without obtaining the client’s prior consent to the transactions. Therefore, if Lighthouse would like to make a transaction for a client’s account (including removing a security that Lighthouse no longer believes is appropriate or adding a security that Lighthouse believes is appropriate), and the client is unavailable, Lighthouse will be unable to execute the account transactions (as it would for its discretionary clients) without first obtaining the client’s consent. Affected clients may suffer investment losses or miss potential investment gains as a result. Portfolio Trading Activity / Inactivity. As part of its investment advisory services, Lighthouse will review client portfolios on an ongoing basis to determine if any trades are necessary based upon various factors, including but not limited to investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, the client’s financial circumstances, and changes in the client’s investment objectives. Based upon these and other factors, there may be extended periods when Lighthouse determines that upon review, trades within a client’s portfolio are not prudent. Clients nonetheless remain subject to the fees described in Item 5 during periods of portfolio trading inactivity. ERISA / IRC Fiduciary Acknowledgment. When Lighthouse provides investment advice to a client about the client’s retirement plan account or individual retirement account, it does so as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. Because the way Lighthouse makes money creates certain conflicts with client interests, Lighthouse operates under a special rule that requires it to act in the client’s best interest and not put its interests ahead of the client’s. Under this special rule’s provisions, Lighthouse must: meet a professional standard of care when making investment recommendations (give prudent advice); never put its financial interests ahead of the client’s when making recommendations (give loyal advice); avoid misleading statements about conflicts of interest, fees, and investments; follow policies and procedures designed to ensure that Lighthouse gives advice that is in the client’s best interest; charge no more than is reasonable for Lighthouse’s services; and give the client basic information about conflicts of interest. Retirement Plan Rollovers – No Obligation / Potential for Conflict of Interest. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Lighthouse recommends that a client roll over their retirement plan assets into an account to be managed by Lighthouse, such a recommendation creates a conflict of interest if Lighthouse will earn a new (or increase its current) advisory fee as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by Lighthouse. Client Obligations. When performing its services, Lighthouse is not required to verify any information received from the client or from the client’s designated professionals and is expressly authorized to rely on that information. Clients are responsible to promptly notify Lighthouse if there is ever any change in their financial situation or investment objectives for the purpose of reviewing or amending Lighthouse’s services or previous recommendations. Asset Aggregation / Reporting Services. Lighthouse may provide access to reporting services through one or more third-party aggregation / reporting platforms that can reflect all of the client’s investment assets, including those investment assets that the client has not engaged Lighthouse to manage (the “Excluded Assets”). Lighthouse’s service for the Excluded Assets is strictly limited to reporting, and specifically excludes investment management or implementation. Because Lighthouse does not have trading authority for the Excluded Assets, the client (and/or a designated investment professional), and not Lighthouse, will be exclusively responsible for implementing any recommendations for the Excluded Assets and the resulting performance or related activity (such as timing and trade errors) pertaining to the Excluded Assets. The third- party aggregation / reporting platforms may also provide access to financial planning information and applications, which should not be construed as services, advice, or recommendations provided by Lighthouse. Accordingly, Lighthouse will not agree to be responsible for any adverse results a client may experience if the client engages in financial planning or other functions available on the third-party reporting platforms without Lighthouse’s participation or oversight. C. Lighthouse tailors its investment advisory services specifically to the needs of each client. To begin the investment advisory process, an investment adviser representative will coordinate with each client to develop their investment objectives. Then, Lighthouse allocates or recommends that the client allocate investment assets consistent with the designated investment objectives. The client may, at any time, impose reasonable restrictions, in writing, on Lighthouse’s services. D. Lighthouse does not participate in a wrap fee program. E. As of December 31, 2023, Lighthouse managed $713,848,786, of which, Lighthouse managed $203,410,611 on a discretionary basis and $510,438,175 on a non-discretionary basis.