Investment Advisory Services: Gragg Financial provides Investment Advisory Services, defined as giving continuous advice to a client or making investment decisions for a client based upon the individual needs of the client. Through personal discussions in which goals and objectives based on a client’s particular circumstances are established, Gragg Financial develops a client’s personal investment policy and creates and manages a portfolio based on that policy. Gragg Financial provides the service to individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and corporations. Gragg Financial will manage advisory accounts on a discretionary and non-discretionary basis. Account supervision is guided by the stated objectives of the client. (I.e. growth, moderate, or conservative). Clients may request restrictions on investing in certain securities or types of securities. Gragg Financial has been in the advisory business since 2000 and as of January 1, 2024 the Firm had assets under management of $181,871,071 The Principals are Bryon Gragg and Jay Gragg. Personal Financial Counseling: Gragg Financial also provides advice in the form of a Financial Plan. Clients purchasing this service will receive a written financial plan, providing the client with a detailed financial plan designed to assist in achieving their stated financial goals and objectives. In general, the financial plan will address the following areas of concern: PERSONAL: Family records, budgeting, personal liabilities, estate information and financial goals. TAX & CASH FLOW: Income tax and spending analysis and planning for past, current and future years. Gragg Financial will discuss the impact of various investments on a client's current income tax and future tax liability. DEATH & DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis. RETIREMENT: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals. INVESTMENTS: Analysis of investment alternatives and their effect on a client's portfolio. Gragg Financial 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, including a questionnaire completed by the client, and a written report is prepared. Should the client choose to implement the recommendations contained in the plan, Gragg Financial suggests the client work closely with his/her attorney, accountant, insurance agent, and/or investment advisor. Implementation of financial planning recommendations is entirely at the client's discretion. Counseling and consulting fees will be in the range from $200-$400 per hour, depending on the nature and complexity of each client’s circumstances and upon mutual agreement with the client. Clients can also receive investment or financial advice on a more limited basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, or any other specific topic. Gragg Financial

also provides specific consultation and administrative services regarding investment and financial concerns of the client. Additionally, Gragg Financial provides advice on non-securities matters. Generally, this is in connection with the rendering of estate planning, insurance, and/or annuity advice. Consulting recommendations are not limited to any specific product or service offered by a broker dealer or insurance company. All recommendations are of a generic nature. Gragg Financial holds seminars to help educate people on how to achieve financial independence by teaching them the fundamentals of investing and presenting different scenarios to show the effects of saving and spending money more wisely. These seminars teach direct instrument and mutual fund investing. In both situations, we discuss costs and fees associated with each as well as risk and turnover. There is no cost for the seminars. Investment advice is not tailored to the attendees. ERISA Accounts: Gragg Financial is deemed to be a fiduciary to advisory clients that are employee benefit plans or individual retirement accounts (IRAs) pursuant to the Employee Retirement Income and Securities Act ("ERISA"), and regulations under the Internal Revenue Code of 1986 (the "Code"), respectively. As such, our firm is subject to specific duties and obligations under ERISA and the Internal Revenue Code that include among other things, restrictions concerning certain forms of compensation. To avoid engaging in prohibited transactions, ADVISOR may only charge fees for investment advice about products for which our firm and/or our related persons do not receive any commissions or 12b-1 fees, or conversely, investment advice about products for which our firm and/or our related persons receive commissions or 12b-1 fees, however, only when such fees are used to offset ADVISOR's advisory fees. A direct client agreement may be canceled by the client at any time for any reason upon receipt of 30 days written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. CPAlliance tm CPS Investment Advisors have discretionary authority (with respect to the purchase and sale of securities) and provides ongoing supervisory services for each account. Gragg Financial is responsible for educating the client with respect to the types of investments available, assisting each client in determining the amount of risk versus return in various investment vehicles, and assisting each client in making an asset allocation between those various investments. It is the responsibility of the Gragg Financial to monitor the performance of the account, as it relates to meeting the objectives of the client and the asset allocation. Gragg Financial will meet with the client to continually assess the client's risk tolerance and change the asset allocation as necessary. Gragg Financial has the discretionary authority to terminate the client's contract with CPS without the client's consent. Gragg Financial and CPS have separate contracts with the client. The owners of Gragg Financial are Gary Bryon Gragg Jr. and Jason D. Gragg.