Everest Wealth Management was founded in 2004 and is 100% owned by John D. Seitzer. ADVISORY SERVICES Everest Wealth Management, LLC (EWM) provides two primary financial advisory services, as part of its integrated Wealth Management service offering:  Personal financial planning o Comprehensive financial plan o Ongoing financial planning  Investment Management John D. Seitzer, CFP, CFA, CPA, MBA, President of Everest Wealth Management, performs all aspects of EWM’s advisory services. PERSONAL FINANCIAL PLANNING Comprehensive Financial Plan EWM provides comprehensive personal financial planning services only to Wealth Management clients. The planning process involves the following steps: 1. Determine client’s present financial situation by collecting and assessing all relevant personal and financial data, including a completed client questionnaire, bank and brokerage statements, insurance policies, tax returns, wills, trusts, etc. This step includes net worth analysis and risk tolerance assessment. 2. Identify client’s financial goals, challenges, and concerns. 3. Analyze alternative solutions that address client’s goals and concerns. 4. Provide customized and specific written recommendations regarding all aspects of client’s financial life, which may include the following, where applicable:  Cash flow management  Investment planning  Education funding  Income tax planning  Retirement planning  Insurance coverage (life, disability, property & casualty, long-term care)  Estate planning to minimize gift and estate taxes, avoid probate and ensure client’s wishes are carried out.  Employee benefits selections.  Stock option analysis and planning.  Succession planning and exit strategies for client’s ownership in privately-held business interest.  Business retirement plan selection for self-employed individuals.  Charitable giving, tax effective strategies.  Other areas as identified by EWM or the client. 5. Meet with client to discuss written recommendations and action plan. The gathering of information, the review of alternatives, and plan development are all performed in close consultation with the client in a series of meetings, phone conversations and email contacts. It is understood that the client and EWM will work together in a partnership-like relationship. The client is responsible for providing overall direction as to client’s concerns and needs, as well as data and information necessary so that EWM can apply expertise and analytical skills to address those concerns and needs. The client retains absolute control over all implementation decisions, while EWM performs all analysis and makes recommendations to the client. Clients have full discretion as to the extent to which they choose to implement the recommendations discussed in the financial planning process. A Comprehensive Financial Plan does not include recommendations on specific individual investments; preparation of any kind of income tax, gift or estate tax returns; or preparation of legal documents, including wills and trusts. Specific investment recommendations are considered part of Investment Management

Services. Legal advice and legal document preparation is not provided by EWM. Ongoing Financial Planning EWM provides ongoing financial planning services only to Wealth Management clients. Once the initial plan is completed, the client may feel that his/her questions have been adequately addressed and that there is no need for further involvement with EWM at that time. However, it is our belief that financial planning is an ongoing process, rather than a one-time event. Life’s circumstances evolve, goals change and available opportunities vary over time. Plans need to be adjusted and updated to reflect these changes or they become outdated. Therefore, in our Ongoing Financial Planning relationship, we will assist with the implementation of the initial Comprehensive Financial Plan, which would include coordinating with the client’s other professional advisors, such as accountants, insurance professionals, and attorneys to accomplish the plan objectives; and, on an ongoing basis, we will communicate regularly with clients to review and update their information, to measure progress in key financial areas, and to develop strategies designed to address any changing circumstances. The initial planning should always be seen as the beginning step in a life-long process. Ongoing Financial Planning is an important service provided by EWM. INVESTMENT MANAGEMENT We deploy a seven-step process for Investment Management: 1. Assess the client’s goals, time horizon, and risk tolerance. 2. Develop an Investment Policy Statement to be signed by the client and EWM. This Investment Policy Statement will establish a targeted asset allocation mix, based on the information from step 1. It will also establish ranges for asset classes, within which the actual percent invested in certain categories may fluctuate, either due to movement since the last rebalancing, or due to tactical positioning. If an asset class moves outside of these bands, EWM must get written client approval, in order to avoid returning the percent invested in that asset class to its targeted range. 3. Open appropriate accounts at Fidelity Investments or other low-cost broker or mutual fund company that serves as custodian for client’s investment assets. 4. Review and evaluate current holdings. Sell those that are determined to be inappropriate or unattractive. 5. Purchase appropriate investments, while considering our assessment of risk-reward tradeoff, fee efficiency, and tax efficiency, to match the Investment Policy Statement allocation plan, and to integrate with current holdings that were retained. 6. Adjust portfolio tactically to respond to changing market environment. 7. Prepare customized performance reports quarterly and meet at least annually to review investment performance and update client’s plan. EWM manages 100% of assets on a discretionary basis. As of December 31, 2023 EWM managed $171.7 million assets on a discretionary basis for 75 clients. EWM customizes each client’s portfolio to fit his/her unique situation. Clients are able to specify particular investments or types of investments they’d like to omit from their portfolios.