Our Approach to Investment Advisory Services

1. Getting Started
Our relationship begins with a conversation to understand your financial goals and develop an investment strategy that fits within your overall financial plan.

Before we begin managing your assets, we will provide you with an Investment Advisory Agreement. This agreement outlines:

• The scope of our advisory services

• The investment strategies we may use

• That we manage your investments on a discretionary basis, meaning we make day-to-day decisions to buy and sell investments on your behalf, in accordance with your goals

2. Your Investment Policy Statement (IPS)
The IPS is a personalized document that defines the investment objectives and guidelines for your accounts. It includes:

• Your investment goals and risk tolerance

• Target asset allocation

• Liquidity needs and time horizon

• Any specific tax considerations

This document is updated as your goals or circumstances change. You may view or request updates to your IPS at any time.

3. Your Account and Custodian
Your investment account is held with an independent custodian, Fidelity Investments. As custodian, Fidelity:

• Provides regular account statements detailing balances and transactions

• Offers SIPC protection, which safeguards assets held in custody in the event of broker-dealer failure (Note: this does not protect against investment losses)

4. Performance Reporting and Fees
Each calendar quarter, you’ll receive a performance report that includes:

• Your portfolio value

• Investment performance

• Our advisory fees and any other applicable charges

In addition to our advisory fee, you may incur:

• Third-party investment expenses, such as mutual fund or ETF fees (e.g., management or servicing fees)

• Custodial fees charged by Fidelity

These costs apply regardless of portfolio performance and will reduce your net returns.

5. How We Are Compensated
Our firm charges an advisory fee based on the assets we manage on your behalf. I receive a salary and may also earn a share of the advisory fees generated from accounts I manage.

More information on how we are compensated is available in:

• Our Form ADV

• Your Investment Advisory Agreement

6. Managing Conflicts of Interest
We may face conflicts of interest—situations where our interests differ from yours. For example:

• Since our compensation is linked to the value of assets under management, we may be incentivized to recommend strategies that increase those assets.

When such conflicts exist:

• We disclose them clearly

• We follow internal procedures to manage them

• We are committed to acting in your best interest

Additional details can be found in our Form ADV and Investment Advisory Agreement. If you ever have concerns, please reach out to us directly.

7. Your Responsibilities
To ensure your investment plan remains aligned with your needs, please notify us if your financial situation or goals change. Review your quarterly reports carefully and contact us with any questions or concerns.

8. Termination of Services
You may end the advisory relationship at any time by notifying us. Our agreement remains in effect until either you or we decide to modify or terminate it.