Oak Ridge is an independent, full-service financial services firm offering a wide range of investment planning services to its clients. Oak Ridge was formed in 1977 and was formerly known as Equity Securities Investments, Inc. The name was changed in 2003. Oak Ridge is a registered investment adviser with the U.S. Securities & Exchange. Oak Ridge is also registered as a fully disclosed introducing broker dealer with the Financial Industry Regulatory Authority (“FINRA”) and the SEC. Oak Ridge is 100% owned by Oak Ridge Acquisition Corporation. The primary owner of Oak Ridge Acquisition Corporation is Russell S. King, who is the Chairman and Chief Executive Officer of Oak Ridge. Oak Ridge custodies with RBC Clearing & Custody. Managed Accounts Oak Ridge Investment Advisory Representatives (“IARs”) work with clients to gain a thorough understanding of the client’s investment objectives, risk tolerance, time horizon, income needs and any other factors that are integral to the client’s financial profile (collectively, the client’s “financial information”). To enter into an investment advisory relationship, an executed Advisory Agreement (“Agreement”) is required. Clients have the option to have their IAR manage their account or hire a third-party to manage their account. Third-party managers offer a wide array of investment models and styles available through the platform manager, RBC Capital Markets, LLC and offered through an agreement Oak Ridge has with RBC Clearing & Custody. Third-party managers primarily offer portfolios consisting of equities, mutual funds, ETFs and/fixed income. After gaining a thorough understanding of a client’s financial situation, the IAR will make a recommendation to manage the client’s assets or place client assets with one or more third party portfolio managers based upon the client’s best interests, objectives, and financial profile. Clients are presented with sufficient information to approve or reject the recommendation of the third-party manager. Once selected and upon completion of any required documents, the third-party manager selects investments for the client and manages the client account on a discretionary basis, meaning the third-party manager makes investment decisions without prior

approval from the client, and generally provides continuous management of client accounts and periodic reporting on the performance of the accounts. IARs manage the relationship between clients and third-party managers. Oak Ridge Financial receives a portion of the fees paid by the client for investment management services. Specific information about each third-party manager’s investment objectives, philosophy and portfolio management expertise can be found in their Brochure and other disclosure documents distributed by the third-party manager. Clients should read these disclosure documents carefully to understand the investment process used by third party managers, along with any fees or costs associated with the third-party manager’s advisory services. Assets are maintained in a segregated accounts through our custodian, RBC Clearing & Custody. On an ongoing basis, IARs review portfolio performance and recommend changes and/or portfolio re‐ deployment when appropriate on a non‐discretionary basis. Financial Planning IARs also offer financial planning for a fee. IARs gather financial information and history from clients, including retirement and financial goals, investment objectives, investment time horizon, risk tolerance, liquidity needs, education savings and other relevant financial information. Based upon this information, IARs will prepare either a written comprehensive or a segmented plan. Financial plans are based on a client’s financial situation at a point in time and are limited by the depth of the information disclosed by the client to the IARs. Certain assumptions may be made with respect to inflation, trends and projected performance of the markets and economy to assist in planning. However, past performance and projected returns are in no way an indication of actual future investment performance. Clients must review their financial plan on a regular basis and execute strategies accordingly. Clients are under no obligation to implement all or any of the recommendations made in the client’s financial plan. As of September 30, 2023, Oak Ridge had over $319,000,000 in assets under management on a non-discretionary basis, and over $93,000,000 in assets under management on a discretionary basis.