Description of the Advisory Firm Dedicated Capital Advisors, LLC (“Dedicated”) is a Delaware Limited Liability Company established in 2013. Kurt Walter Rauzi is Managing Director of the firm and principal owner. Description of Financial Planning Services Dedicated provides comprehensive financial planning services including estate and wealth transfer planning, family coaching, philanthropic and legacy planning, business succession and strategy planning, risk and investment management and insurance planning. These services are delivered through our multi-phase holistic planning process of Discovery, Planning, Implementation and Management. Prior to engaging Dedicated to provide any of the foregoing services, the client is required to enter into one or more written agreements with Dedicated setting forth the terms and conditions under which Dedicated renders its services. During Discovery (Phase I), Dedicated spends time learning more about you and your desired personal, family, business, financial, and philanthropic goals and objectives. Dedicated will prepare a Discovery Analysis: a comprehensive written assessment of your current situation detailing your goals and objectives, an individually crafted investment policy statement based on your risk tolerance, a financial statement, a current estate and wealth transfer plan, and your projected estate and tax liability. During Planning (Phase II), Dedicated designs a customized plan to meet the objectives of your Discovery Analysis. The plan will explore and evaluate the various planning tools and techniques available and will consider/contain integrated multidisciplinary strategies, detailed financial analysis (including cash-flows and tax savings), philanthropic strategies, illustrative graphics, proposed estate distribution diagrams, and a narrative explanation of all of our recommendations to you. We will thoroughly review the plan with you (and your advisors, as necessary) and will confirm its design meets with your approval. Following the review and evaluation process, we will make any necessary modifications to the plan. During Implementation (Phase III), Dedicated assumes the role of ensuring that your plan is implemented successfully and in an organized and timely fashion. Dedicated will coordinate the efforts of your advisor team and other professionals, such as accountants, trust officers, attorneys, and investment managers. We will provide the necessary methods, materials, and processes to complete your plan’s directives and help you realize your personal, family, financial, and philanthropic goals. During Management (Phase IV), Dedicated assumes the role of ensuring your plan is managed successfully and that you will have direct and constant access to us. Dedicated will continue to orchestrate coordination between your advisors and other professionals. We will take ownership of timelines and will provide updates on progress achieved, decisions made, and issues related to the management of the plan. The services provided in this phase are ongoing. Description of Investment Advisory Services If a client chooses to engage Dedicated for investment advisory services we will work with the client to develop an investment profile which determines risk tolerance, time horizon and other factors that may impact the clients’ investment needs. Dedicated ensures that clients’ investments are suitable for their investment needs, goals, objectives and risk tolerance. Clients are advised to promptly notify Dedicated if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon Dedicated’s investment advisory services. Clients may impose reasonable restrictions or mandates on the management of their account (example: requests that a portion of their assets be allocated to socially responsible or impact investments) if, in Dedicated’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. Clients can engage Dedicated to advise all or a portion of their assets on a discretionary or non- discretionary basis. Dedicated primarily allocates clients’ investment advisory assets among Independent Managers (collectively “Managers” as defined below) in accordance with the investment objectives of the client.

In addition, Dedicated may recommend that clients who are “accredited investors” as defined under Rule 501 of the Securities Act of 1933, as amended, invest in private placement securities, which may include debt, equity, and/or pooled investment vehicles when consistent with the clients’ investment objectives. Dedicated also may render non-discretionary investment management services to clients relative to variable life/annuities that they may own, their individual employer-sponsored retirement plans, private placements or funds, or other products that may not be held by the client’s primary custodian. In so doing, Dedicated either directs or recommends the allocation of client assets among the various investment options that are available with the product. Dedicated tailors its advisory services to the individual needs of clients. Client assets are maintained at the specific insurance company or custodian designated by the product. Use of Managers As indicated above, Dedicated recommends that certain clients authorize the active discretionary management of a portion of their assets by and/or among certain Independent investment managers (“Managers”), based upon the stated investment objectives of the client. Dedicated currently recommends Fort Point Capital Partners LLC (“Fort Point”) and/or Frontier Asset Management. LLC (“Frontier”) under this program. Clients will be required to execute a separate co-advisory agreement with Dedicated and the selected Manager(s) which outlines the terms and conditions of the relationship and the applicable advisory fees. When recommending or selecting Managers for a client, Dedicated reviews information about the Manager such as its disclosure brochure and/or material supplied by the Manager or independent third parties for a description of the Manager’s investment strategies, past performance and risk results to the extent available. Factors that Dedicated generally considers in recommending a Manager include the client’s stated investment objectives, as well as the Manager’s management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fees charged by Managers, together with the fees charged by the corresponding designated broker- dealer/custodian of the client’s assets, are generally exclusive of, and in addition to, Dedicated’s planning engagement fees. The investment advisory fees are set forth below. In addition to Dedicated’s written disclosure brochure, the client will receive the written disclosure brochure of the designated Managers upon commencement of the co-advisory relationship and annually thereafter. For more information about our investment strategy, please refer to Item 8 below. Advisory Services to Retirement Investors When Dedicated provides investment advice to Clients regarding retirement plan accounts or individual retirement accounts, Dedicated 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. The way Dedicated makes money creates some conflicts with Client interests, so Dedicated operates under a special rule that requires Dedicated to act in the best interest of the Client and not put Dedicated’s interests ahead of the Client’s interests. Under this special rule’s provisions, Dedicated must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put Dedicated’s financial interests ahead of a Client’s interests when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that Dedicated gives advice that is in the Client’s best interest;
• Charge no more than is reasonable for the services provided; and
• Give Clients basic information about conflicts of interest. Wrap Fees Dedicated does not participate in wrap fee programs. Assets Under Management As of December 31, 2022, Dedicated had approximately $66.2 million regulatory assets under management on a discretionary basis and approximately $33.7 million on a non-discretionary basis, for a total of approximately $99.9 million in total regulatory assets under management.