Registration Status – Registered with the SEC since 19831 Principal Owners – Phyllis R. Sutton Philip Huff Holger Berndt Joel Stilwell Assets Under Management Discretionary Assets – $381,995,331 (As of December 31, 2023) Non-discretionary Assets – $0 ADVISORY SERVICES INVESTMENT MANAGEMENT SERVICES Rosenblum-Silverman-Sutton, S.F. Inc. (“RSS” or sometimes the “Firm” or “Advisor”) is an independent investment advisor providing customized investment management services to individuals, families, high net-worth clients, retirement accounts, trusts, estates, charitable organizations, corporations and other types of business entities. Our investment management services include, among others, financial goal setting, risk assessment, strategic asset allocation and the selection and management of securities and investments. We offer our services on both a discretionary basis or, when requested by the client, on a non-discretionary basis. Our investment solutions are tailored to each client’s specific risk tolerance, time horizon, liquidity requirements, and resilience to market volatility. While we strive to create sustainable long term investment strategies, we review and adjust asset allocations and risk exposure as required by changes in market and client circumstances. The Firm’s portfolio managers gather information about each client’s individual financial condition and investment goals through personal consultations, questionnaires, and document review. On the basis of this information, the Firm designs an individualized investment plan based on a client’s earning capacity, savings, investment history, tax issues, retirement horizon, education and legacy planning, and any other matters that a client deems important. Depending upon the client’s customized investment plan and personal preferences, we offer the following investment management services:
• Creation of an asset allocation strategy;
• Recommendation of specific securities for investment;
• Execution of securities transactions on behalf of clients through designated custodians and executing broker-dealers;
• Monitoring and rebalancing client account holdings;
• Quarterly performance reporting; Our portfolio managers help each of the Firm’s clients identify a strategic asset allocation that is consistent with the client’s investment objectives and other criteria. RSS has established a minimum account size requirement of $500,000. Multiple accounts for the same client may be aggregated to reach this threshold. At the Firm’s sole discretion, it may accept clients with smaller portfolios where it determines that the smaller portfolio size will not cause a substantial increase of investment risk beyond the client’s identified risk tolerance. Other factors considered in a decision to waive the minimum account size are the anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, pre-existing client, account retention, pro bono activities, etc. of the account. 1“Registration” means only that the Firm meets the minimum requirements for registration as an investment advisor and does not imply a certain level of skill or training or that the SEC or other regulator guarantees the quality of our services or recommends them. A client may make additions to and withdrawals from the client’s custodial account at any time, subject to the Firm’s right to terminate an account if the amount of assets drops below our account size minimum. Clients may withdraw account assets with notice to the Firm, subject to the usual and customary securities settlement procedures. However, we design client portfolios as long-term investments and caution our clients that asset withdrawals may impair the achievement of the client’s investment objectives. Additions to an account may be in cash or securities provided that our portfolio managers may decline to accept particular securities into a client’s account or may recommend that the security be liquidated if it is inconsistent with the Firm’s investment strategy or the client’s investment objectives. Clients are advised that when transferred securities are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. FINANCIAL PLANNING AND FINANCIAL CONSULTING SERVICES RSS provides comprehensive financial planning services on either an hourly fee or fixed fee basis. RSS’s financial planning services may include a financial review and analysis of some or all of the following areas:
• Determining Financial Goals And Objectives
• Asset Allocation

Review
• Retirement Plan Analysis
• Employee Stock Option Analysis
• Current Portfolio Review
• Education Funding Analysis
• Cash Flow Management Review
• Mortgage and Refinance Evaluation
• Charitable (or social capital) Planning
• Opinion on Current Investment Strategy/Advisors
• Other financial or investment analysis The Firm’s professionals also accept limited financial consulting engagements to conduct any of the listed reviews or analyses on an hourly fee basis. The Firm may recommend its own investment management services or those of other professionals to implement investment recommendations. Financial planning/consultation only clients may act upon any of the recommendations made by RSS or not. Such clients retain absolute discretion over all such investment implementation decisions and are free to accept or reject any of the Firm’s recommendations. Unless provided in connection with the investment management services described above, clients engaging RSS to provide financial planning or consulting services will generally be required to enter into a separate written agreement with RSS setting forth the terms and conditions of the engagement and describing the scope of the services to be provided. Financial planning and consultation clients are not required to be investment management clients of the Firm. Fiduciary Status When RSS provides investment advice to you regarding your investment accounts, including your retirement plan account or individual retirement account, we are fiduciaries within the meaning of certain federal laws such as the Employee Retirement Income Security Act and/or the Internal Revenue Code and the U.S. Securities and Exchange Commission, as applicable. These regulations require us to act in your best interest and not put our interest ahead of yours. General Notices In performing its services, RSS is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is authorized to rely on such information as provided. Clients must promptly notify us of any change in their financial situation or investment objectives that would necessitate a review or revision by our advisors of the client’s portfolio and/or financial plan. Clients are advised that a conflict of interest exists if the Firm recommends its own services and that recommendations that favor securities investments over other investments such as limited partnerships, real estate or insurance products may increase your total assets under management upon which we base our investment management fee. Advisor Does Not Provide Comprehensive Tax or Accounting Advice In providing investment management services, Advisor’s decisions and recommendations may include the consideration of the possible alternative tax consequences incidental to such decisions and recommendations. However, the Firm does not undertake to provide comprehensive tax or accounting advice or counseling. Although we may prepare reports to assist our clients with the preparation of tax returns, such reports do not represent the advice or approval of tax professionals. We advise clients to consult a tax professional in order to determine the tax and accounting consequences of investments in their accounts. TERMINATION OF AGREEMENT Clients or the Firm may terminate the relationship upon written notice to other party. The Firm does not assess any fees related to termination but will be entitled to all management fees earned up to the date of termination. Any earned investment management fees owed to the Firm will be billed to the client, or where authorized, deducted from the client’s account, on a pro rata basis determined on the amount of time expired in the billing period. Any unearned prepaid management fees will be refunded to the client. Any unearned prepaid financial planning or financial consultation fees will be refunded to the client. Any unpaid financial planning or consultation fees will be billed to the client for immediate payment or deducted from the client’s retainer. For new clients of the Firm, if a copy of this Form ADV Part 2A disclosure statement was not delivered to the client 48 hours or more before the client enters into a written advisory contract with Advisor, then the client has the right to terminate the contract without penalty within five (5) business days after entering into the contract. A contract is considered entered into when all parties to the contract have signed the contract. If the client terminates the contract on this basis, all fees paid by the client will be refunded however, any transaction costs imposed by an executing broker or custodian for establishing the custodial account or for trades occurring during those five days are non-refundable.