JDH is owned by Matthew Delaney and Ralph Jones and has been providing advisory services since 2000. As of December 31, 2023, JDH managed $323,442,958 on a discretionary basis. Additionally, JDH advised on $81,077,259 of self-directed retirement account assets. Investment Management Services JDH uses a consultative approach in providing solutions to the client's needs. JDH works with the client to determine the client's investment objectives and investor risk profile and will design a written investment policy statement. JDH uses investment and portfolio allocation software to evaluate alternative portfolio designs. JDH evaluates the client's existing investments with respect to the client's investment policy statement. JDH works with new clients to develop a plan to transition from the client's existing portfolio to the portfolio recommended by JDH. JDH will then continuously monitor the client's portfolio holdings and the overall asset allocation strategy and hold regular review meetings with the client regarding the account as necessary. In addition to managing clients’ investment portfolios, JDH may provide additional wealth management services to clients based upon their unique circumstances and needs. Such services may include income planning, college planning, retirement planning, risk management counsel, establishment of and counsel on retirement plans, and assistance with assets outside our direct management. JDH will typically create a portfolio of no-load mutual funds and exchange-traded funds (ETFs), and may use model portfolios if the models match the client's investment policy. JDH will allocate the client's assets among various investments taking into consideration the overall management style selected by the client. JDH primarily recommends portfolios consisting of mutual funds and ETFs offered by Dimensional Fund Advisors (DFA). DFA-sponsored mutual funds follow a passive asset class investment philosophy with low holdings turnover. Client portfolios may also include some individual equity securities at the direction of the client. JDH manages portfolios on a discretionary basis. Clients may impose any reasonable restrictions on JDH’s discretionary authority, including restrictions on the types of securities in which JDH may invest client’s assets and on specific securities that the client may believe to be appropriate. JDH may also recommend fixed income portfolios to advisory clients, which consist of managed accounts of individual bonds. JDH will request discretionary authority from advisory clients to retain third-party separate account managers (“Independent Managers”). The Independent Managers will be provided with the discretionary authority to invest client assets in securities consistent with the client's goals and objectives. Independent Managers may monitor the accounts for changes in credit ratings, security call provisions, and tax loss harvesting opportunities (to the extent that the manager is provided with cost basis information). On an ongoing basis, JDH will answer clients' inquiries regarding their accounts and review periodically with clients the performance of their accounts. JDH will periodically, and at least annually, review a client's investment policy, risk profile and discuss the re-balancing of each client's accounts to the extent appropriate. JDH will provide the Independent Manager any updated client financial information or account restrictions necessary for the investment manager to provide sub-advisory services. JDH has hired Buckingham Strategic Partners, LLC (“BSP”) as the primary Independent Manager. In certain circumstances, as determined by JDH and the client, JDH may engage DFA as an Independent Manager to manage portfolios of individual securities for clients. In these instances, DFA’s fees are separate, distinct, and in addition to JDH’s advisory fees. Employee

Benefit Retirement Plan Services JDH also provides advisory services to participant-directed retirement plans through third-party administration services, which are online bundled service providers offering an opportunity for plan sponsors to provide their participants with daily account access, valuation, and investment education. JDH will analyze the plan's current investment platform and assist the plan in creating an investment policy statement defining the types of investments to be offered and the restrictions that may be imposed. JDH will recommend investment options to achieve the plan's objectives, provide participant education meetings, and monitor the performance of the plan's investment vehicles. JDH will recommend changes in the plan's investment vehicles as may be appropriate from time to time. JDH generally will review the plan's investment vehicles and investment policy as necessary. JDH also works in coordination and support with BSP. Retirement plan clients will engage both JDH and BSP. BSP will provide to the client additional discretionary investment management services and will exercise discretionary authority to select the plan investments made available to the plans’ participants by selecting and maintaining the plans’ investments according to the goals and investment objectives of the plan. JDH will continue to work with plans to monitor plan investments, provide fiduciary plan advice including regular considerations of the goals and objectives of the plan, and provide participant education services to the plan. JDH also provides advice in the form of Financial Planning. Clients utilizing this service will receive financial planning advice. Various types of reports or financial analysis may be provided to the client. The types of reports provided to clients will vary depending upon the services requested by the client. In general, the financial analysis or reporting will address one or all of the following areas of concern:
• Personal: Family records, budgeting, personal liability, estate information and financial goals.
• Tax & Cash Flow: Income tax and spending analysis and planning for past, current and future years. JDH may illustrate the impact of various investments on a client’s current income tax and future tax liability.
• Investments: Analysis of investment alternatives and their effect on a client’s portfolio.
• Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile.
• Retirement: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals.
• Death & Disability: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis.
• Education: Education IRAs, financial aid, state savings plans, grants and general assistance in preparing to meet dependent’s continuing educational needs through development of an education plan. Financial planning advice may also include non-securities advice on topics that may include tax and budgetary planning, estate planning and business planning. JDH gathers required information through in-depth personal interviews. Information gathered includes a client’s current financial status, future goals and attitudes towards risk. Related documents supplied by the client are carefully reviewed. Related documents supplied by the client are carefully reviewed and various types of written reports may be prepared by JDH. Should a client choose to implement the recommendations in the report(s), JDH suggests the client work closely with his/her attorney, accountant or insurance agent. Implementation of financial plan recommendations is entirely at the client’s discretion and the client is under no obligation to effect transactions through JDH.