Our Approach to Investment Advisory Services

1. Getting Started
We start with a meeting to discuss your financial goals and develop an investment strategy that aligns with your overall financial plan.

You will receive our Investment Advisory Agreement, which outlines how we work together. It explains:

• The scope of our advisory relationship

• The investment practices we follow

• That we have discretionary authority to manage your investments (meaning we can buy and sell on your behalf)

2. The Investment Policy Statement (IPS) is an agreement between us that outlines the general rules for managing your accounts. This statement outlines your investment goals and objectives and describes the strategies we can employ to achieve them. Specific information on matters such as asset allocation, risk tolerance, income taxes, and liquidity requirements is included in your Investment Policy Statement (IPS). Click here to view or update yours.

3. Your Account and Custodian
We use Fidelity Investments as the custodian for client accounts. Fidelity provides:

• Monthly statements showing your account value and transaction history

• SIPC insurance for your account, offering protection against custodian failure (not investment losses)

4. Reporting and Fees
Every calendar quarter, we’ll send you a detailed report showing:

• The value of your accounts

• Account performance

• Any fees deducted by our firm

Other costs to keep in mind:

• You’ll pay fees and expenses to third parties, such as mutual funds and ETFs. These can include management fees and shareholder service fees.

• You’ll also pay custody-related fees to Fidelity.

• These fees apply whether your investments gain or lose value, and they reduce your overall returns.

5. How We’re Paid
You pay our firm an advisory fee for managing your investments. I personally receive a salary and a share of the advisory fees earned from managing your account.

Details about how I’m paid can be found in:

• Our Form ADV

• The Investment Advisory Agreement

6. Conflicts of Interest
Sometimes, we may have interests that differ from yours. These are referred to as conflicts of interest, and they can influence our recommendations. For example:

• Since we earn more as the assets we manage increase, we have a natural incentive to recommend strategies that grow your account.

When conflicts arise:

• We will tell you about them

• We will follow internal policies designed to manage them

• We will always aim to act in your best interest

More about these conflicts can be found in our Form ADV and Investment Advisory Agreement. If you’re ever concerned, we encourage you to reach out and talk to us directly.

7. Your Role
Please keep me updated if your financial situation or goals change. You’ll receive regular account reports—at least once per quarter—and it’s important to review them carefully. Please let us know if anything appears incorrect or if you have any questions.

8. Duration of Our Relationship
This advisory relationship will continue until either of us chooses to change or terminate it. If you ever wish to make a change or terminate the agreement, please notify us.