Hillcrest Financial Group offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to Hillcrest Financial Group rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Hillcrest Financial Group setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). Hillcrest Financial Group filed for registration as an investment adviser in December 2021 and is owned by David Harrington and Dean Solomon. As of December 31, 2023, Hillcrest Financial Group has $392,120,000 of assets under management; all of which are managed on a discretionary basis. While this brochure generally describes the business of Hillcrest Financial Group, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on Hillcrest Financial Group’s behalf and are subject to the Firm’s supervision or control. Financial Planning and Consulting Services Hillcrest Financial Group offers clients a broad range of financial planning and consulting services, which include any or all of the following functions:  Cash Flow Forecasting Trust and Estate Planning Investment Consulting  Insurance Planning Retirement Planning Education Planning In performing these services, Hillcrest Financial Group is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.) and is expressly authorized to rely on such information. Hillcrest Financial Group recommends certain clients engage the Firm for additional related services, its Supervised Persons in their individual capacities as insurance agents and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage Hillcrest Financial Group or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Hillcrest Financial Group under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Hillcrest Financial Group’s recommendations and/or services. Wealth Management Services Hillcrest Financial Group provides clients with wealth management services which include a broad range of financial planning and consulting services as well as discretionary management of investment portfolios. Hillcrest Financial Group primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”), and individual debt and equity securities in accordance with their stated investment objectives. Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios, but clients should not assume that

these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Clients can engage Hillcrest Financial Group to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Hillcrest Financial Group directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Hillcrest Financial Group tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. Hillcrest Financial Group consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints, and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify Hillcrest Financial Group if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if Hillcrest Financial Group determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. ERISA Disclosure for Clients with Retirement Accounts When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Retirement Plan Consulting Services Hillcrest Financial Group provides various consulting services to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing, and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and includes any or all of the following services:  Plan Design and Strategy Plan Review and Evaluation  Executive Planning & Benefits Investment Selection Plan Fee and Cost Analysis Plan Committee Consultation  Fiduciary and Compliance Participant Education As disclosed in the Advisory Agreement, certain of the foregoing services are provided by Hillcrest Financial Group as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), each plan sponsor is provided with a written description of Hillcrest Financial Group’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Firm reasonably expects under the engagement.