General Information Pillar Financial Advisors, LLC (“we” or “PFA”) was formed in 1997 and provides Wealth Management Services. Gregory M. Curry and Ben D. Allison are the principal owners of PFA. Please see Brochure Supplements, Exhibit A, for more information on these principal owners and other individuals who formulate investment advice and have direct contact with clients or have discretionary authority over client accounts. As of December 31, 2023, we managed $293,750,677 on a discretionary basis, and no assets on a non-discretionary basis. Wealth Management Services We believe wealth management services are most successful in full view of your complete financial situation. We begin with preparation of an initial Wealth Management Strategy (“WMS”), followed by continuous financial management, including portfolio management and ongoing wealth planning (described more fully below). By delivering these services through a comprehensive model, we strive to serve as your primary financial professional, coordinating your financial affairs much the way a Chief Financial Officer (CFO) does for a corporation. Wealth Planning Delivering advice on a broad range of financial issues, we seek to bring order, expertise and perspective to every aspect of a family’s financial life. In our view, solid wealth planning services are intrinsic to the effective management of your investment portfolio. By including ongoing planning advice along with investment management services, quality time is invested on the front-end solving problems and providing solutions that are designed to alleviate future obstacles and provide a more reliable roadmap to meeting your goals. Wealth planning is not provided as a standalone service; it is solely provided in conjunction with management of your portfolio. Working together with you, our wealth planning process starts by defining your current overall financial circumstances, long-term financial goals, objectives, and needs. At the conclusion of this phase, we construct a comprehensive Wealth Management Strategy, which includes the following planning considerations, as applicable to each client:
• Cash Flow Analysis and Projections
• Tax Planning
• Retirement Planning
• Risk Management
• Debt Management
• Estate Planning
• Investment Policy Statement (“IPS”) Once the initial WMS is completed, we will manage your portfolio on an ongoing basis in accordance with the IPS. In addition, we will work with your trusted advisors (e.g. attorneys, insurance agents, CPAs, etc.) or with our network of seasoned professionals to assist with the implementation of other aspects of the WMS. Taking an active responsibility in these vital relationships, we aim to ensure these advisors have up-to- date financial and investment information, and that all involved communicate and strategize as a team. In all instances, you are free to determine whether to implement any of the recommendations in the WMS and are under no obligation to engage the services of any recommended professional. The WMS will generally be updated annually, when you request it, or when determined to be necessary or advisable by us based on updates to your financial or other circumstances. Portfolio Management As a professional asset manager, we design and manage customized investment portfolios tailored to the unique risk characteristics and investment objectives of each client. Based on your personalized WMS, we create an IPS structured to build wealth and maintain your acceptable risk level. The IPS describes our investment philosophy and discipline, your asset allocation, types of securities to be used, tax management and portfolio rebalancing. More information about our investment strategies may be found in Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss. To implement the portfolio, we will manage your investments on a discretionary basis. As a discretionary investment adviser, we will have the authority to supervise and direct the portfolio without prior consultation with you. Notwithstanding the foregoing, you may impose certain written restrictions on us in the management of your investment portfolio, such as prohibiting the inclusion of certain types of investments

in your investment portfolio or prohibiting the sale of certain investments held in the account at the commencement of our relationship. You should note, however, that if you impose restrictions it may adversely affect the composition and performance of your investment portfolio. You should also note that your investment portfolio is treated individually by giving consideration to each purchase or sale for your account. For these and other reasons, performance of client investment portfolios within the same investment objectives, goals and/or risk tolerance may differ, and you should not expect that the composition or performance of your investment portfolio would necessarily be consistent with similar clients of ours. Portfolio Management Services through Institutional Intelligent Portfolios™ For certain clients who do not meet our investment minimum, we will provide standalone portfolio management services through Institutional Intelligent Portfolios™, an automated, online investment management platform provided by Schwab for use by independent investment advisors. The platform is sponsored by Schwab Wealth Investment Advisory, Inc. (“SWIA”), an affiliate of Charles Schwab & Co., Inc. (“Schwab”). Through the platform, SWIA sponsors a Wrap Program (“the Program”), through which we construct and manage model investment strategies, each generally consisting of a portfolio of mutual funds and a cash allocation. We are your investment adviser and primary point of contact with respect to the Program and are solely responsible for determining the appropriateness of the Program for you. Based on your inputs, we choose a suitable investment strategy and portfolio for your investment needs and goals and manage that portfolio on an ongoing basis. SWIA’s role is limited to delivering you the Schwab Wealth Investment Advisory, Inc. Institutional Intelligent PortfoliosTM Disclosure Brochure (the “Program Disclosure Brochure”) and administering the Program so that it operates as described in the Program Disclosure Brochure. Your portfolio is held in a brokerage account that you open at Schwab. We are independent of and not owned by, affiliated with, or sponsored or supervised by Schwab or any of its affiliates. We have contracted with SWIA to provide the technology platform and related trading and account management services for the Program. This platform enables us to make the Program available to you online and includes a system that automates certain key parts of our investment process (the “System”). The System also includes an automated investment engine through which we manage your portfolio on an ongoing basis through automatic rebalancing and tax-loss harvesting (if you are eligible and elect). Communication is primarily conducted with you through electronic channels. You must agree to accept electronic delivery of the Investment Advisory Agreement, disclosure documents, prospectuses, statements, and other materials. We make portfolio managers available to discuss servicing matters with you. If you participate in the Program, you do not pay commissions on the transactions executed in the Program. As described below in Item 5 – Fees and Compensation, if you participate in the Program, you will pay an annual management fee to us. Retirement Plan Rollovers We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also 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. We have to act in your best interest and not put our interest ahead of yours. If we recommend that you transfer an IRA or roll over your retirement plan assets into an account to be managed by us, such a recommendation creates a conflict of interest if we will earn a new (or increase our current) advisory fee because of the transfer/rollover. Investing in an IRA with us may be more expensive than an employer-sponsored retirement plan. You are under no obligation to roll over plan assets to an IRA managed by us or to engage us to monitor and/or manage the account while maintained at your employer.