Firm Description Pollock Investment Advisory Corporation ("PIAC") was founded in 1984 and provides personalized confidential financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Advice is provided through a series of personal consultations with the client and may include determination of financial objectives, identification of financial problems, cash flow management, tax planning, investment management, education funding, retirement, and estate planning. PIAC is strictly a fee-only financial planning and investment management firm. The firm is not affiliated with entities that sell financial products or securities and as such no commissions in any form are accepted for investment products such as annuities, limited partnerships, etc. No finder's fees are accepted. Principal Owners Mark Kalinowsky, President is a 100% stockholder of Pollock Investment Advisory Corporation. Types of Advisory Services PIAC provides investment supervisory services, also known as asset management services through the management of investment advisory accounts. PIAC provides a free summary of the client's overall allocation of marketable securities. The focus of this analysis is to identify the portfolio risk, diversification, and expected return, and to help clients develop a long-term investment policy. PIAC develops a primarily passive management solution through a series of in-person interviews which results in the adoption of an investment policy statement that outlines an investment model to be implemented. PIAC reports quarterly to its clients on their investment portfolio and rebalances these portfolios on a regular basis, or more often as needed. PIAC's comprehensive planning may include some or all the services in the following general areas, depending upon the level of planning and complexity desired by the clients:
• Cash flow analysis
• Corporate benefit review
• Asset allocation
• Financial planning
• Monitoring & Rebalancing When we provide investment advice to you regarding your retirement plan account or individual retirement account, we 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 we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule's provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice).
• Never put our financial interests ahead of yours when making recommendations (give loyal advice).
• Avoid misleading statements about conflicts of interest, fees, and investments.
• Follow policies

and procedures designed to ensure that we give advice that is in your best interest.
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. As of December 31, 2023, we provide continuous management services for $204,200,000 in client assets on a discretionary basis. Tailored Relationships The goals and objectives for each client are documented in our client files. Investment Policy Statements are created that reflect the stated goals and objective. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without client consent. Types of Agreements The following agreements define the typical client relationships. Advisory Service Agreement Most clients choose to have PIAC manage their assets in order to obtain ongoing in-depth investment advice and financial planning. All aspects of the client's financial affairs are reviewed, including those of their children, when applicable. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for an Advisory Service Agreement is provided to the client in writing prior to the start of the relationship. An Advisory Service Agreement includes cash flow management; investment management (including performance reporting); education planning; retirement planning; estate planning; as well as the implementation of recommendations within each area, as applicable. Asset Management Assets are invested primarily in no-load, or and exchange-traded funds through a primary custodian, National Financial Services LLC (Fidelity). These Custodians may charge a transaction fee for the purchase of some funds. Stocks and bonds may be purchased or sold through a custodial account when appropriate. The Custodian may charge a fee for stock and bond trades. PIAC does not receive any compensation, in any form, from fund companies. In addition to mutual funds, ETFs, stocks and bonds, other investments may include, but are not limited to warrants, options, corporate debt securities, commercial paper, municipal securities, and U.S. government securities. Initial public offerings (IPOs) are not available through PIAC. Termination of Agreement A Client may terminate any of the aforementioned agreements at any time by notifying PIAC in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. Since the client made an advanced quarterly payment, PIAC will refund any unearned portion of the advanced payment. PIAC may terminate any of the aforementioned agreements at any time by notifying the client in writing. If the client made an advance payment, PIAC will refund any unearned portion of the advance payment.