A. Korhorn Financial Group (“KFG”) is a limited liability company formed under the laws of the state of Indiana. KFG became a registered investment adviser in April 2007. KFG is owned by Korhorn Financial Group, Inc., which is principally owned by KFG’s President, Kevin Korhorn. B. INVESTMENT ADVISORY SERVICES Client may engage KFG to provide discretionary investment advisory services on a fee basis. KFG’s annual investment advisory fee is based upon a percentage (%) of the market value and type of assets placed under KFG’s management (generally between negotiable and 1.25%). SEI ASSET MANAGEMENT PROGRAM KFG may direct all of a portion of a client’s account to the SEI Asset Management Program (SEI Program). The SEI Program is offered on a wrap-fee basis and is an institutional asset allocation program. KFG’s associated persons assist you in establishing an SEI Program Account (the Account) at SEI Trust Company (SEI). All transactions in your account will be processed and cleared through SEI. The SEI Program uses asset allocation portfolios developed by SEI Investments. The portfolios consist of SEI Family of Institutional Mutual Funds (Mutual Funds) and other securities approved by SEI to be held in an account. KFG provides SEI with the asset allocation policy (Asset Allocation Policy) that our clients select for their Account. KFG directs SEI to reallocate client investments in accordance with each client’s asset allocation policy. In addition, KFG directs SEI to rebalance the investments within client accounts at least quarterly so that the market value of the shares of each mutual fund held in client accounts are the same percentage of the total market value of their account as required by the clients asset allocation policy. SEI holds custody of all SEI Program client Account assets. FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE) To the extent specifically requested by a client, KFG may provide financial planning and/or consulting services (including investment and non-investment related matters, including estate planning, insurance planning, etc.) on a stand-alone separate fee basis. KFG offers financial planning and consulting services on either a comprehensive or single- needs basis. If a client chooses to engage KFG to provide comprehensive financial planning and consulting services, KFG will prepare a written financial plan, analysis and/or recommendations targeting your needs. Additionally, for a twelve (12) month period beginning at the time a comprehensive Financial Planning and Consulting Agreement is executed, those clients who choose to engage KFG to provide comprehensive financial planning and consulting services will be eligible for ongoing consultations, reviews, and monitoring of the client’s investment accounts. Whereas, those clients choosing to engage KFG on a single-needs basis will receive a written financial plan but no additional financial planning and consulting services under their agreement. Prior to engaging KFG to provide planning or consulting services, clients are generally required to enter into a Financial Planning and Consulting Agreement with KFG setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to KFG commencing services (if any). If requested by the client, KFG may recommend the services of other professionals for implementation purposes, including KFG’s representatives in their individual capacities as registered representatives of a broker-dealer and/or licensed insurance agents. (See disclosures at Item 10.C). The client is 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 KFG. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. It remains the client’s responsibility to promptly notify KFG if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising KFG’s previous recommendations and/or services. RETIREMENT PLAN SERVICES KFG also provides retirement plan consulting and management services, pursuant to which it assists sponsors of retirement plans organized under the Employee Retirement Security Act of 1974 (“ERISA”). The terms and conditions of the engagement shall be set forth in a Retirement Plan Services Agreement between KFG and the plan sponsor. If the plan sponsor engages KFG in an ERISA Section 3(21) capacity, KFG will assist with the selection and/or monitoring of investment options (generally open-end mutual funds and exchange traded funds) from which plan participants shall choose in self-directing the investments for their individual plan retirement accounts. If the plan sponsor chooses to engage KFG in an ERISA Section 3(38) capacity, KFG may provide the same services as described above, but may also: create specific asset allocation models, modify the investment options made available to plan participants or manage a plan’s pooled assets on a discretionary basis. MISCELLANEOUS Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. As indicated above, to the extent requested by a client, KFG may provide financial planning and related consulting services. Neither KFG nor its investment adviser representatives assist clients with the implementation of any financial plan, unless they have agreed to do so in writing. KFG does not monitor a client’s financial plan, and it is the client’s responsibility to revisit the financial plan with KFG, if desired. KFG may provide financial planning and related consulting services regarding non- investment related matters, such as estate planning, tax planning, insurance, etc. KFG does not serve as an attorney, and no portion of our services should be construed as legal services. Accordingly, KFG does not prepare estate planning documents. To the extent requested by a client, we may recommend the services of other professionals for certain non-investment implementation purpose (i.e., attorneys, accountants, insurance, etc.), including certain supervised persons of KFG in their separate individual capacities as registered representatives of Silver Oak Securities, Inc. (“Silver Oak Securities”), a SEC registered and FINRA member broker-dealer and as licensed insurance agents. KFG may also recommend certain affiliated service providers such as KFG Tax and Business Services, LLC, an affiliated bookkeeping and tax service provider and KFG Insurance Agency, LLC, an affiliated insurance agency. The client is under no obligation to engage the services of any recommended professional. The client retains absolute discretion over all implementation decisions and is free to accept or reject any recommendation from KFG and/or its representatives. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. eMoney Advisor Platform. KFG may provide its clients with access to an online platform hosted by “eMoney Advisor” (“eMoney”). The eMoney platform allows a client to view their complete asset allocation, including those assets that KFG does not manage (the “Excluded Assets”). KFG does not provide investment management, monitoring, or implementation services for the Excluded Assets. Therefore, KFG shall not be responsible for the investment performance of the Excluded Assets. Rather, the client and/or their advisor(s) that maintain management authority for the Excluded Assets, and not KFG, shall be exclusively responsible for such investment performance. Without limiting the above, KFG shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. The client may choose to engage KFG to manage some or all of the Excluded Assets pursuant to the terms and conditions of an Investment Advisory Agreement between KFG and the client. The eMoney platform also provides access to other types of information and applications including financial planning concepts and functionality, which should not, in any manner whatsoever, be construed as services, advice, or recommendations provided by KFG. Finally, KFG shall not be held responsible for any adverse results a client may experience if the client engages in financial planning or other functions available on the eMoney platform without KFG’s assistance or oversight. Retirement Plan Rollovers – No Obligation / Conflict of Interest. A client or prospective client leaving an employer 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 KFG recommends that a client roll over their retirement plan assets into an account to be managed by KFG, such a recommendation creates a conflict of interest if KFG will earn a new (or increase its current) advisory fee as a result of the rollover. If KFG provides a recommendation as to whether a client should engage in a rollover or not, KFG is acting as a fiduciary 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. No client is under any obligation to roll over retirement plan assets to an account managed by KFG. Independent Managers. KFG may allocate a portion of the client’s investment assets among unaffiliated independent investment managers in accordance with the client’s designated investment objective(s). In such situations, the Independent Manager[s] shall have day-to-day responsibility for the active discretionary management of the allocated assets, including, to the extent applicable, proxy voting responsibility. KFG shall continue to render investment supervisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. Factors that KFG shall consider in recommending Independent Manager[s] include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fee charged by the Independent Manager[s] is separate from, and in addition to, KFG’s investment advisory fee disclosed at Item 5 below. Use of Mutual Funds and Exchange Traded Funds. While KFG may recommend allocating investment assets to mutual funds and exchange traded funds (“ETFs”) that are not available directly to the public, KFG may also recommend that clients allocate investment assets to publicly available mutual funds and ETFs that the client could obtain without engaging KFG as an investment advisor. However, if a client or prospective client determines to allocate investment assets to publicly available mutual funds and ETFs without engaging KFG as an investment advisor, the client or prospective client would not receive the benefit of KFG’s initial and ongoing investment advisory services. Dimensional Funds. As noted above,

many mutual funds are available directly to the public, without need to engage an investment professional. Other mutual funds, such as those issued by Dimensional Fund Advisors (“DFA”), are generally only available through registered investment advisers. KFG utilizes DFA mutual funds. Therefore, if the client was to terminate KFG’s services, restrictions regarding transferability and/or additional purchases of, or reallocation among, DFA funds will apply. Structured Notes. KFG may purchase Structured Notes for client accounts. A Structured Note is a financial instrument that combines two elements, a debt security and exposure to an underlying asset or assets. It is essentially a note, carrying counter party risk of the issuer. However, the return on the note is linked to the return of an underlying asset or assets (such as the S&P 500 Index or commodities). It is this latter feature that makes structured products unique, as the payout can be used to provide some degree of principal protection, leveraged returns (but usually with some cap on the maximum return), and be tailored to a specific market or economic view. Structured Notes will generally be subject to liquidity constraints, such that the sale thereof before maturity will be limited, and any sale before the maturity date could result in a substantial loss. There can be no assurance that the Structured Notes investment will be profitable, equal any historical performance level(s), or prove successful. If the issuer of the Structured Note defaults, the entire value of the investment could be lost. Innovator Defined Outcome ETFs™. When consistent with a client’s investment objectives, KFG may allocate investment assets to Innovator Defined Outcome ETFs. Innovator Defined Outcome ETFs are generally designed for defined upside growth and downside buffer (or floor) levels, or defined acceleration, with various market exposures (e.g., US Equity, US Technology, International, Emerging Markets, and US Treasuries). The funds only seek to provide shareholders that hold shares for the entire Outcome Period with their respective buffer level against Index losses during the Outcome Period. You will bear all reference asset losses exceeding the buffer. Depending upon market conditions at the time of purchase, a shareholder that purchases shares after the Outcome Period has begun may also lose their entire investment. Fund shareholders are subject to an upside return cap (the “Cap”) that represents the maximum percentage return an investor can achieve from an investment in the funds for the Outcome Period, before fees and expenses. If the Outcome Period has begun and the Fund has increased in value to a level near to the Cap, an investor purchasing at that price has little or no ability to achieve gains but remains vulnerable to downside risks. Additionally, the Cap may rise or fall from one Outcome Period to the next. The Cap, and the Fund’s position relative to it, should be considered before investing in the Fund. Socially Responsible (ESG) Investing Limitations. Socially Responsible Investing involves the incorporation of Environmental, Social and Governance (“ESG”) considerations into the investment due diligence process. ESG investing incorporates a set of criteria/factors used in evaluating potential investments: Environmental (i.e., considers how a company safeguards the environment); Social (i.e., the manner in which a company manages relationships with its employees, customers, and the communities in which it operates); and Governance (i.e., company management considerations). The number of companies that meet an acceptable ESG mandate can be limited when compared to those that do not and could underperform broad market indices. Investors must accept these limitations, including potential for underperformance. Correspondingly, the number of ESG mutual funds and exchange-traded funds are limited when compared to those that do not maintain such a mandate. As with any type of investment (including any investment and/or investment strategies recommended and/or undertaken by KFG), there can be no assurance that investment in ESG securities or funds will be profitable or prove successful. KFG does not maintain or advocate an ESG investment strategy but will seek to employ ESG if directed by a client to do so. If implemented, KFG shall rely upon the assessments undertaken by the unaffiliated mutual fund, exchange traded fund or separate account portfolio manager to determine that the fund’s or portfolio’s underlying company securities meet a socially responsible mandate. Cryptocurrency. Cryptocurrency is a digital currency that can be used to buy goods and services but uses an online ledger with strong cryptography (i.e., a method of protecting information and communications through the use of codes) to secure online transactions. Unlike conventional currencies issued by a monetary authority, cryptocurrencies are generally not controlled or regulated and their price is determined by the supply and demand of their market. Because cryptocurrency is currently considered to be a speculative investment, KFG will not exercise discretionary authority to purchase a cryptocurrency investment for client accounts. Rather, a client must expressly authorize the purchase of the cryptocurrency investment. KFG does not recommend or advocate the purchase of, or investment in, cryptocurrencies. KFG considers such an investment to be speculative. Clients who authorize the purchase of a cryptocurrency investment must be prepared for the potential for liquidity constraints, extreme price volatility and complete loss of principal. Cash Positions. KFG continues to treat cash as an asset class. As such, unless determined to the contrary by KFG, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating KFG’s 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), KFG may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, KFG’s advisory fee could exceed the interest paid by the client’s money market fund. Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion KFG shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund (or other type security) available on the custodian’s platform, unless KFG reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. The above does not apply to the cash component maintained within a KFG actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager and cash balances maintained for fee billing purposes. The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any KFG unmanaged accounts. Client Obligations. In performing its services, KFG shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Moreover, each client is advised that it remains their responsibility to promptly notify KFG if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising KFG’s previous recommendations and/or services. Cybersecurity Risk. The information technology systems and networks that KFG and its third-party service providers use to provide services to KFG’s clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in KFG’s operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and KFG are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although KFG has established procedures to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that KFG does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar 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. Disclosure Statement. A copy of KFG’s written Brochure and Client Relationship Summary, as set forth on Part 2 of Form ADV and Form CRS respectively, shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Advisory Agreement or Financial Planning and Consulting Agreement. C. KFG shall provide investment advisory services specific to the needs of each client. Prior to providing investment advisory services, an investment adviser representative will ascertain each client’s investment objective(s). Thereafter, KFG shall allocate and/or recommend that the client allocate investment assets consistent with the designated investment objective(s). The client may, at any time, impose reasonable restrictions, in writing, on KFG’s services. D. Wrap/Separate Managed Account Programs: In the event that KFG is engaged to provide investment advisory services as part of an unaffiliated wrap-fee program, KFG will be unable to negotiate commissions and/or transaction costs. As a result, client may receive less favorable net prices, on transactions for the account than would otherwise be the case through alternative clearing arrangements recommended by KFG. Higher transaction costs adversely impact account performance. Under a wrap program, the wrap program sponsor arranges for the investor participant to receive investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. Participation in a wrap program may cost the participant more or less than purchasing such services separately. E. As of December 31, 2023, KFG had $723,934,389 in assets under management on a discretionary basis and $15,42,419 in assets under management on a non-discretionary basis.