Flying Point Financial, Inc. (“FPF” or the “firm”) is a registered investment adviser that offers personalized investment management, financial planning and consulting services to its clients. Elaine Morgillo founded the company in 1998. She and Kevin Kennedy are principal owners of the firm and have been serving clients together since 2001. Investment Management Services FPF provides investment management services, defined as giving continuous advice or making investments for clients based on the specific needs of each client. FPF tailors these advisory services to the individual needs of each client. Through personal discussions in which goals, objectives, time horizon, and risk tolerance are established based on a client’s particular circumstances, FPF develops a client’s individual investment policy and creates and manages a portfolio based on that policy. FPF manages advisory accounts on a discretionary or non-discretionary basis. FPF creates unique portfolios designed to meet the needs, goals, objectives, and risk tolerances of its clients. Clients retain individual ownership of all securities. They are advised to promptly notify FPF if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions on the types of investments to be made on their behalf. As part of its investment recommendations, FPF may use investment portfolios managed on a discretionary basis by other registered investment advisers based upon the specific circumstances of an account. FPF may participate in wrap fee programs and will receive a portion of the wrap fee for their services. A wrap fee program generally involves an investment account where a client is charged a single, bundled “wrap” fee for investment advice, brokerage services, administrative expenses and other fees and expenses. Financial Consulting Services PERSONAL FINANCIAL CONSULTING SERVICES As part of the firm’s comprehensive financial planning services, FPF provides clients with a range of financial planning and consulting services that address a variety of client-specific matters. The financial planning process is designed to organize financial data, identify needs and opportunities, and evaluate alternative courses of action. It may include an analysis of current net worth, income taxes, cash flow and budgeting, investments and asset allocation, retirement planning, employee benefit plan analysis, estate and gift tax planning, education funding, estate planning, and risk management which

focuses on the cash needs at death, income needs of surviving dependents, and health, disability, and long-term care analysis. FPF also provides financial advice on a more limited basis to address specific issues such as retirement planning, estate planning, education funding planning, asset allocation and/or other financial concerns. FPF gathers required information through in-depth personal interviews. Information gathered includes a client’s current financial status, future goals, time horizon and attitudes toward risk. Related documents supplied by the client are carefully reviewed. FPF conducts a financial analysis and prepares a report that describes the client’s current situation, identifies needs and opportunities, and makes suggestions designed to help the client achieve stated goals. Should a client choose to implement the recommendations contained in the analysis, FPF suggests that the client and FPF work closely with his/her attorney, accountant, insurance agent, and/or other professional advisers as appropriate. The client is under no obligation to act upon any of the recommendations made by FPF under a financial planning or consulting engagement or to engage the services of any such recommended professional, including FPF. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of FPF’s recommendations. Recommendations made by FPF are not limited to any specific product or service offered by a broker-dealer or insurance company. BUSINESS CONSULTING SERVICES FPF provides consulting services on a non-discretionary basis to business, pension, and qualified plan clients. Services may include evaluation of existing asset performance, evaluation of employee benefits, service providers and/or employee educational sessions. In performing its services, FPF is not required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely on such information. Clients are responsible to promptly notify FPF if there is ever any change in the financial situation or investment objectives for the purpose of reviewing, evaluating, or revising FPF’s previous recommendations and/or services. Assets Under Management As of December 31, 2023, FPF managed approximately $168,520,000 of client assets on a discretionary basis.