Firm Description STEVE LYNCH WEALTH MANAGEMENT, (“FIRM NAME”) was founded in 1996. STEVE LYNCH WEALTH MANAGEMENT provides personalized confidential financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. STEVE LYNCH WEALTH MANAGEMENT is a fee-based financial planning and investment management firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. However, Stephen C. Lynch and Kyle K. Lynch are Registered Representatives (“Representative”) with United Planners Financial Services of America (“UPFSA”). As a result, they are able to sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. STEVE LYNCH WEALTH MANAGEMENT and United Planners Financial Services of America are not affiliated. Investment advice is an integral part of financial planning. Consequently, STEVE LYNCH WEALTH MANAGEMENT uses quarterly, semi-annual, or annual meetings as opportunities to address and advise clients regarding cash flow, insurance planning, retirement planning, tax planning and estate planning. Investment advice is provided, with the client making the final decision on investment selection. STEVE LYNCH WEALTH MANAGEMENT does not act as a custodian of client assets. As a “Representative” of “UPFSA”, accounts are introduced with Pershing, LLC. The client always maintains asset control. STEVE LYNCH WEALTH MANAGEMENT has no discretion on any account. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed to the client in the unlikely event they should occur. The initial meeting is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Principal Owners and Financial Advisors Stephen C. Lynch is the sole owner and also serves as a financial advisor along with Kyle K. Lynch who is also a financial advisor. Types of Advisory Services STEVE LYNCH WEALTH MANAGEMENT provides investment supervisory services, also known as asset management services; furnishes investment advice through consultations. On more than an occasional basis, STEVE LYNCH WEALTH MANAGEMENT furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, and trust services that often include estate planning. As of May 16, 2024, STEVE LYNCH WEALTH MANAGEMENT managed approximately $133,689,469 in assets for approximately

515 client accounts on a non-discretionary basis. Tailored Relationships The goals and objectives for each client are documented in our client files. Periodic reviews present the opportunity to review stated goals and objectives and make necessary changes as needed. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without client consent. Types of Agreements The following agreements define the typical client relationships. 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. Detailed investment advice and specific recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. Advisory Service Agreement Most clients choose to have STEVE LYNCH WEALTH MANAGEMENT manage their assets in order to obtain on-going, in-depth advice and life planning. All aspects of the client’s financial affairs are reviewed, including those of their minor 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; estate planning; and tax planning, as well as the implementation of recommendations within each area. Asset Management Assets are invested primarily in no-load or low-load mutual funds and exchange-traded funds, and securities held at Pershing. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Pershing may charge a transaction fee for the purchase of some funds. Stocks and bonds may be purchased or sold through a brokerage account when appropriate. The brokerage firm charges a fee for stock and bond trades. STEVE LYNCH WEALTH MANAGEMENT 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 (mutual funds shares), U. S. government securities, options contracts, futures contracts, and interests in partnerships. Fees are collected on the total market value of all assets held in the account. Initial public offerings (IPOs) are not available through STEVE LYNCH WEALTH MANAGEMENT.