A. Description of the Advisory Firm SS+D Financial, Inc. (“SS+D Financial”) was founded in 2002 as a limited liability company. On March 1, 2012 SS+D Financial changed its legal status to a corporation. On September 22, 2021, Douglas Meyer & Joseph Gates purchased SS+D Financial. In 2022, we changed the name to Meyer Gates Financial Advisors, Inc. (“Meyer Gates”). B. Types of Advisory Services Meyer Gates offers the following services to advisory clients: Investment Supervisory Services Meyer Gates offers ongoing asset management services based on the individual goals, objectives, time horizon and risk tolerance of each client. Clients engage in a discussion with Meyer Gates advisor representatives using research and portfolio construction tools. The dialogue balances objective expectations of portfolio return with the clients' investment goals. In collaboration with clients, Meyer Gates creates an Investment Policy Statement which outlines the client's current situation, states the investment goals of the portfolio and constructs a plan to aid in the selection of investments that fits each client's specific situation. Investment Supervisory Services include, but are not limited to:  Investment strategy  Asset allocation  Risk tolerance  Personal investment policy  Asset selection  Regular portfolio monitoring Financial Planning Services On more than an occasional basis, Meyer Gates furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, life insurance, long-term care insurance, college planning, estate planning and budgeting. Charges for these services will be based on a fixed fee that will be documented as an Exhibit to the Advisory Contract. Insurance Planning Services Meyer Gates helps clients analyze and plan for insurance needs, however we do not sell any insurance products. C. Tailored Relationships The goals and objectives for each client are documented in our client relationship management system. Specific client goals, risk tolerance, and investment return needs are included in that client's Investment Policy Statement and/or their financial plan. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs. D. Types of Agreements The following agreements define the typical client relationships: 1. Financial Planning Agreement A financial plan is designed to help the client with all aspects of financial planning without ongoing investment management after the financial plan is completed. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Asset allocation and investment recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. The fee for a financial plan is predicated upon the facts known at the start of the engagement. Fees range from $50 to $5,000 and are negotiable. Since financial planning is a discovery process, situations occur wherein the client is unaware of certain financial exposures or predicaments. After delivery of a financial plan, future face-to-face meetings may be scheduled as necessary. 2. Asset Management Most clients choose to have Meyer

Gates manage their assets in order to obtain ongoing in-depth advice and life planning. All aspects of the client’s financial affairs are reviewed, including those of their children. 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; insurance review; investment management (including performance reporting); education planning; retirement planning; and estate planning; as well as the implementation of recommendations within each area. Although the Advisory Service Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at the client’s discretion. The client or Meyer Gates may terminate an Agreement by written notice to the other party. At termination, fees will be billed/refunded on a pro rata basis for the portion of the quarter completed. The portfolio value at the completion of the prior full billing quarter is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. Assets are invested primarily in no-load mutual funds and exchange- traded funds, through an institutional broker. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Brokers may charge a transaction fee for the purchase and sale of some funds. Stocks and bonds will also be purchased or sold through a brokerage account. The brokerage firm charges a fee for stock and bond trades. Meyer Gates does not receive any compensation, in any form, from fund companies. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities, U. S. government securities, options contracts, and interests in partnerships. Initial public offerings (IPOs) are not available through Meyer Gates. 3. Retainer Agreement In some circumstances, a Retainer Agreement is executed in lieu of an Advisory Service Agreement when it is more appropriate to work on a fixed-fee basis. The annual fee for a Retainer Agreement is negotiable. Meyer Gates also provides hourly planning services for clients who need advice on a limited scope of work 4. Termination of Agreement A client may terminate any of the aforementioned agreements at any time by notifying Meyer Gates in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. If the client made an advance payment, Meyer Gates will refund any unearned portion of the advance payment. Meyer Gates may terminate any of the aforementioned agreements at any time by notifying the client in writing. If the client made an advance payment, Meyer Gates will refund any unearned portion of the advance payment. E. Wrap Fee Programs Meyer Gates does not participate in any wrap fee programs. F. Amounts Under Management As of March 26, 2024, Meyer Gates manages approximately $141,127,000 in assets for approximately 153 clients. All the assets are managed on a discretionary basis. G. Educational Seminars Most years, Meyer Gates will host a retirement planning seminar. Mailers are sent to prospective attendees and these seminars are typically hosted at local universities. The goal of the seminar is to educate on the broad topics of retirement planning (Saving, Investing, Social Security, Medicare, Insurance, ext.).