Description of Services and Fees Fi3 Financial Advisors, LLC is an independent, “fee-only” Registered Investment Advisor (RIA) and multi- family office based in Indianapolis, Indiana. We are organized as a Limited Liability Company formed under the laws of the State of Indiana. Fi3 is owned and managed by our members: Ivan D. Hoffman, Samuel D. Muse, and Matthew J. Simpson. Fi3 provides investment counsel utilizing both active and passive investment management. Our clients are focused on their passions, and often have complex estate and tax needs that they prefer to delegate to professional advisors. The Firm provides a wealth advisory overlay for most of our clients (see Family Chief Financial Officer overview) aimed at providing clients with clear, transparent and actionable advice. We are “fee-only” advisors, which means that we only receive fees for the consulting advice we give. Where appropriate, we collaborate with a variety of trusted professionals. We believe that innovative financial planning and investment management should be integrated and centered on the achievement of goals. We work with our clients’ other advisors, who share our commitment to excellent client service. In addition to providing investment counsel, Fi3 is dedicated to adding value through effective financial planning, tax and fee minimization and estate planning advice. We take a client-focused, transparent approach to handling family wealth. To best serve clients, the Firm is committed to minimizing potential conflicts of interest and providing transparent pricing. Fi3 only receives compensation directly from its clients. The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to our clients’ individual needs. As used in this brochure, the words "we," "our," and "us" refer to Fi3 Financial Advisors, LLC and the words "you," "your," and "client" refer to you as either a client or prospective client of our firm. How We Help Our Clients We start by asking why. We need to know your goals and challenges. You should understand we are fiduciaries, bound to our responsibility to act in your best interests. We serve as the Family CFO. We act as the Chief Financial Officer, supporting the family. We are a multi- family office, with CPAs and CERTIFIED FINANCIAL PLANNERTM practitioners who understand the language of business. We recognize family dynamics. We collaborate with your other professional advisors to implement the plan. We bring ideas to make your situation better. We perform the due diligence to bring your ideas and globally diversified investment solutions that we can execute and convert to results. We are “fee-only” advisors. We only receive fees for the consulting advice we give. We don’t sell a particular product. We don’t have any revenue sharing arrangements. We don’t receive kickbacks. We don’t have any hidden revenue sources. Period. Overview – Family Chief Financial Officer We serve as a family’s Chief Financial Officer, or Family CFO, supporting the family. We identify, analyze, manage, and execute strategies and solutions to help families meet their financial and personal goals. We are a multi-family office, with CPAs and CERTIFIED FINANCIAL PLANNERTM practitioners who understand the language of business. At Fi3, we recognize family dynamics. We collaborate with your other professional advisors to implement your plan. We integrate wealth planning, investment consulting and family leadership for a comprehensive approach to achieving your goals. Your experience with Fi3 will be highly personalized. We’ll ask thoughtful questions, listen to your perspective, and deliver the tools you need to make effective financial decisions for your family. Wealth Planning Services Liability Management  Understand debt utilization and opportunities for arbitrage.  Assist family with banking relationships and employing “Family Bank” concept. Insurance Evaluation  Evaluate whether advanced life insurance planning could enhance overall family wealth strategy (i.e. Private Placement Life Insurance ‘PPLI’).  Identify any gaps in insurance coverages, or opportunities to shift risk and enhance liability protection.  Review whether long-term care or longevity income is appropriate. Tax Planning  Coordinate efforts with the family CPA and team to monitor and enhance tax strategies.  Plan for highly appreciated individual stock investments, monitor the Family Holding Company cash flows, assist with entity tax planning, evaluate distributions from IRA accounts, charitable giving and charitable entity planning, etc. Estate & Wealth Transfer  Review and document estate planning and wealth transfer objectives.  Develop estate planning summary and flowchart for communication purposes.  Create, track, and develop thorough understanding of consolidated balance sheet.  Identify and model multi-generational wealth transfer opportunities. Family CFO - Investments Asset Allocation  Collaborate with you to align the needs, risks, and expectations for your investment portfolio.  Analyze holdings and evaluation of asset allocation, as well as asset location.  Assess alignment or dispersion between objectives, tolerance, and current portfolio. Manager Selection  Communicate with you about public and private investment opportunities, provide entree to elite managers and top tier Venture Capital and Private Equity partners. Liquidity Management  Assist with liquidity management and cash yield maximization.  Review current invested assets, custodians,

fees, and risk relative to benchmark.  Continuously monitor for tax-efficient investing and other tax saving opportunities. Consolidated Financial Reporting  Create unified view of entire, multi-generational family portfolio.  Design integrated public and private report outlining key performance indicators.  Create a consolidated monitoring report encompassing investment performance and allocation across all invested assets. Family CFO - Family Leadership Family Governance  Facilitate the creation of a governance structure and process for decision-making in the family based on G1’s vision and values.  Provide a format for family meetings and leadership discussions that is interactive and meaningful in supporting the family’s culture and multi-generational nature. Stewardship  Multi-generational coaching to guard against the dilution of wealth resulting from unnecessary expenses, income and estate transfer taxes, and feelings of entitlement.  Bring clarity to investment opportunities, career choices, philanthropic activities, academic endeavors, and political influence.  Develop an integrated strategy that addresses what impact you want to have, where you want to have it and how you want to realize it. Philanthropy  Document current charitable giving and assist with funding mechanism of outstanding pledges.  Develop future charitable giving plan to include gifting of appreciated equities and potential qualified charitable distributions from IRAs.  Evaluate strategies for achieving charitable goals. Family Education  Cultivate direct relationships with G1, G2 and G3 for effective coaching and legacy planning.  Inform and educate family members on the estate plan and on the management of inherited wealth. Overview – Monitoring Services For those Assets or Account(s) for which we only monitor and do not provide Advisory Services we will report the Assets or Accounts(s) in your global asset allocation, provide ongoing performance reporting with regard to these Assets or Account(s), and otherwise integrate these Assets or Account(s) into the overall Planning Services. Overview - Pension Consulting Services We offer pension consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include non-discretionary investment advice about alternative investment options, development of an investment policy statement, performance reporting, advice on the selection of qualified default investment alternatives and education and enrollment services to plan participants. The ultimate decision to act on behalf of the plan shall remain with the plan sponsor or other named fiduciary. We may also provide additional types of pension consulting services to plans on an individually negotiated basis. All services, whether discussed above or customized for the plan based upon requirements from the plan fiduciaries (which may include additional plan-level or participant-level services) shall be detailed in a written agreement and be consistent with the parameters set forth in the plan documents. Overview - Advisory Services to Retirement Plans As disclosed above, we offer pension consulting services designed to assist plan sponsors in meeting their management and fiduciary obligations to participants under the Employee Retirement Income Securities Act ("ERISA"). Pursuant to adopted regulations of the U.S. Department of Labor under ERISA Section 408(b)(2), we are required to provide the Plan's responsible plan fiduciary (the person who has the authority to engage us as an investment adviser to the Plan) with a written statement of the services we provide to the Plan, the compensation we receive for providing those services, and our status (which is described below). The services we provide to Plans are described above, and in the service agreement that you have signed with our firm. Our compensation for these services is described below, and in the service agreement. Our firm does not reasonably expect to receive any other compensation, direct or indirect, for the services we provide to the Plan or Participants. In providing services to the Plan and Participants, our status is that of an investment adviser registered under applicable state law, and we are not subject to any disqualifications under Section 411 of ERISA. In performing ERISA fiduciary services, we are acting as a fiduciary of the Plan as defined in ERISA Section 3(21). Types of Investments Our firm develops asset allocation models and provides investment management services, generally through no load mutual funds, exchange traded funds, and money managers across the following asset classes:  Large Cap Equities  Mid Cap Equities  Small Cap Equities  International Developed Equities  Emerging Market Equities  Absolute Return Focused Strategies (Long/Short Equities, Futures, etc.)  Fixed Income  Covered Call Options  Private Equity  Master Limited Partnerships (MLP’s)  Real Estate The firm is also investment advisor to a Private Fund Fi3-ACP Fund 2022. This fund is offered to accredited investors only. Our primary focus is on wealth accumulation and capital preservation while attempting to minimize volatility and risk. Our firm does not use market timing as an investment strategy, and we limit rebalancing activities (prompted by economic changes and market forces). Assets Under Management As of December 31, 2023, we managed $682,462,572 in client assets on a discretionary basis, and $109,212,035 in client assets on a non-discretionary basis for a total AUM of $791,674,607.