Michael Mahoney is the majority owner of CAM and has been providing advisory services since 2002. As of December 31, 2023, CAM managed $134,676,575 on a discretionary basis, $0 on a nondiscretionary basis (regulatory assets under management) and provided retirement plan consulting services to $8,440,980 of participant directed retirement plan assets. Investment Management Services: CAM manages investment portfolios for individuals, qualified retirement plans, trusts, foundations, not for profits and corporations. CAM will work with a client to determine the client's investment objectives and investor risk profile and will design a written investment policy statement. CAM uses investment and portfolio allocation software to evaluate alternative portfolio designs. CAM evaluates the client's existing investments with respect to the client's investment policy statement. CAM works with new clients to develop a plan to transition from the client's existing portfolio to the desired portfolio. CAM will then continuously monitor the client's portfolio holdings and the overall asset allocation strategy and hold review meetings with the client regarding the account, as necessary. CAM 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. CAM will allocate the client's assets among various investments taking into consideration the overall management style selected by the client. CAM primarily recommends portfolios consisting of passively managed asset class and index mutual funds and ETFs. CAM primarily recommends 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. Consequently, the DFA fund fees are generally lower than fees and expenses charged by other types of funds. Client portfolios may also include some individual equity securities in situations where disposition of these securities would present an overriding tax implication or the client specifically requests they be retained for a personal reason. CAM primarily recommends mutual funds offered by Dimensional Fund Advisors, Vanguard, and Bridgeway Capital Management, Inc. (Bridgeway). CAM manages mutual fund and equity portfolios on a discretionary basis. A client may impose any reasonable restrictions on CAM’s discretionary authority, including restrictions on the types of securities in which CAM may invest client’s assets and on specific securities, which the client may believe to be appropriate. CAM may also recommend fixed income portfolios to investment management clients, which consist of managed accounts of individual bonds. CAM will request discretionary authority from investment management clients to manage fixed income portfolios, including the discretion to retain a third-party fixed income manager. Pursuant to its discretionary authority, CAM will retain a fixed income securities manager. The manager will also monitor the account 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). The manager will obtain CAM’s consent prior to the sale of any client securities. On an ongoing basis, CAM will answer clients’ inquiries regarding their accounts and review periodically with clients the performance of their accounts. CAM will periodically, and at least annually, review clients’ investment policy, risk profile and discuss the re-balancing of each client's accounts to the extent appropriate. CAM will provide to investment manager any updated client financial information or account restrictions necessary for investment manager to provide sub-advisory services. For certain clients, in addition to managing the client’s investment portfolio, CAM may consult with clients on various financial areas including income and estate tax planning, business sale structures, college financial planning, retirement planning, insurance analysis, personal cash flow analysis, establishment and design of retirement plans and trust designs, among other things. Employee Benefit Retirement Plan Services: CAM 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. CAM 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. CAM will recommend investment options to achieve the plan's objectives, provide participant education meetings, and monitor the performance of the plan's investment vehicles. CAM will recommend changes in the plan's investment vehicles as may be appropriate from time to time. CAM generally will review the plan's investment vehicles and investment policy, as necessary. For certain retirement plans,

CAM also works in coordination and support with Buckingham Strategic Partners, LLC. Retirement plan clients will engage both CAM and Buckingham Strategic Partners, LLC. Buckingham Strategic Partners, LLC 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 maintain the plans’ investments according to the goals and investment objectives of the plan. CAM 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. Compass – Automated Digital Advisory Services: CAM may also utilize the Betterment for Advisors digital wealth management platform offered by Betterment LLC, an independent investment advisor. CAM has branded this Program as “Compass.” CAM is independent of and not owned by, affiliated with, or sponsored or supervised by Betterment LLC, or their affiliates. Compass is an automated online platform powered by Betterment that guides clients through the entire investment management process and provides management services. As part of the Compass investment-management service, clients complete an online personal risk tolerance assessment and provide additional information about their financial goals. Based on the information provided, the appropriate model portfolio is selected for the client. We generally create diversified model portfolios of investments consisting of low-cost exchange traded funds (“ETFs”), mutual funds, and other similar equity-related index funds, stocks, or investment products tailored to the client’s specific needs. Information about the client’s model portfolio is available on the online platform, which includes their investment style, objectives, and a list of ETFs and other investments with shares that are included in and traded through them. The client can also submit or modify risk preferences, investment objectives, investment size and any other restrictions for their accounts directly through the online platform. The money managers will periodically rebalance client model portfolios based upon the client’s individual needs, stated goals and objectives. Before selecting money managers, we make sure that they are properly licensed or registered. Clients who subscribe to this service will enter into a dual contract with us and the money manager. The services provided by Betterment include: ● Goal-Based Investment Management: Betterment’s goal-based investment platform allows Clients to identify multiple investment goals, each with specific portfolio allocations; ● Portfolio Construction Tools: Clients have access to a set of portfolio strategies, each of which is comprised of low-cost, index-tracking exchange-traded funds or Dimensional Fund Advisors mutual funds), and are able to customize the risk-level for each investment goal; ● Automated Investment Management Services: Betterment’s algorithms automate back-office tasks such as trading, portfolio management, tax loss harvesting, and account rebalancing; ● Website and Mobile Application: Betterment’s website and mobile application provide a platform for account access and monitoring and delivery of account documentation and notices; and ● Advisor Dashboard: Advisors have access to a dashboard for purposes of monitoring and managing Client accounts. Any clients that use the Compass program will receive Betterment LLC’s Disclosure Brochure which includes a more detailed description and additional information. Financial Planning Services: CAM also provides advice in the form of Financial Planning. Clients purchasing this service may receive various written financial reports, providing the client with detailed financial information designed to achieve their stated financial goals and objectives. The areas that CAM may provide support, coordination and facilitation may include the following: 1. Comprehensive Financial Planning 2. Investment Research and Administration 3. Asset Allocation and Portfolio Management 4. Cash Flow Management 5. Record Keeping & Reporting 6. Comprehensive Financial Reporting 7. Risk Management 8. Tax and Compliance 9. Business Planning 10. Lifestyle Management 11. Estate Planning and Administration 12. Strategic Philanthropy and Administration 13. Family Meetings and Education 14. Family Legacy Planning CAM does not provide tax or legal advice. CAM 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 and a written report may be prepared. Should a client choose to implement the recommendations in the plan, CAM 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. Clients are encouraged to review their plan on a regular basis, especially if there are any changes in their financial situation, goals, needs, or investment objectives.