Our Owners and Principals We are an investment advisor registered with the SEC since 2006, and previously with the State of Michigan since 1995. Our firm was established in 1960 by John J. Lorence. John was joined in business by his son, Jim Lorence, in 1985. Ryan Vander Zwart joined the firm in 1994 and Nate Baumann joined the firm in 2007. We are required to disclose the persons owning twenty-five percent (25%) or more of our firm’s common stock. Ryan Vander Zwart and Nate Baumann are both principal owners of the firm and each owns more than twenty-five percent (25%) of the firm’s outstanding common stock. Our Financial Advisory Services We provide financial advisory services to clients through investment management, in- vestment consulting for assets outside our management, financial planning, and management of third-party investment managers. Investment Management We provide investment management services on a discretionary basis for individuals, trusts, estates, charitable organizations, corporations, and corporate pension and profit-sharing plans. We offer several types of portfolio management styles investing in mutual funds, ETFs, and variable annuity separate accounts using our proprietary investment strategies described below. See Item 8 for more information about our methods of analysis, investment strategies, and associated risks. Our core services are described in the following paragraphs and the related fees are described in the next section of this brochure, entitled, “Item 5 Fees and Compensation.” Investment Management as 3(38) Fiduciary Manager for Qualified Plans As part of our services to qualified retirement plans which are subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), we will act as a fiduciary of the plan under Section 3(21) and as an Investment Manager under Section 3(38) of ERISA. As a 3(38) investment manager, the plan fiduciary gives us discretionary authority to manage the plan’s assets. This means that the plan fiduciary shifts its fiduciary responsibility to us for the selection of the plan’s investments. For all qualified plan clients, your representative will work with the plan fiduciary to develop a formal written investment policy statement for the plan, or they will review and amend the existing investment policy statement, which establishes the plan’s specific standards and processes for investment operations. The investment policy statement may also place restrictions on the types of investments the plan invest its assets in. The representative uses the plan’s investment policy statement to recommend the portfolio. We will receive a copy of the plan’s 2 investment policy statement and will continually monitor the performance of the plan’s investments. Services Common to Investment Management Accounts Investment management accounts will be managed according to our suitability questionnaire or similar document based upon your investment objectives, time horizon, risk tolerance, and any other financial information that may be special or unique to you. All accounts will be managed using one or more of our portfolio management styles. When working with our advisory representatives or promoters (previously known as solicitors), you should take care to ensure that the information you provide us is accurate and complete as it will play a key role in our ability to properly assess your investment objectives and risk tolerance. We do not independently verify or update personal information that you provide to us. Promptly inform us of any material changes in your personal information, financial circumstances (including cash flow needs), investment objectives, or risk tolerance. We will assume that you have not had any material changes in their circumstances unless you tell us. As specified in our investment management agreement, you will grant us discretionary investment authority to manage your account(s). Discretionary investment authority permits us to direct the purchase or sale of securities held in your account in accordance with your suitability questionnaire without obtaining your permission for each individual transaction. However, you retain individual ownership of all securities and you have the opportunity to place reasonable restrictions or modifications on the types of investments in your account; although, if we deem your instructions to be unreasonable, we will decline to enter into an investment management agreement with you or we will terminate the existing agreement with you. Your assets will generally be invested in Exchange Traded Funds (“ETFs”), no-load or load-waived mutual funds, or the subaccounts of variable annuities if you own them and engage us to advise you on managing them. Unless otherwise agreed, there are no specific limitations on the securities to be bought or sold, or on the amount of such securities for a particular account, other than the standard limitations inherent in actions prudently taken in the context of your particular circumstances and consistent with portfolio management styles. Discretionary investment management authority does not permit us to withdraw or transfer money from your account, except as described below to pay our fees. While we will use our best efforts to recommend investments that are designed to address your investment objectives and risk tolerance, we cannot assure you our recommendations will achieve your objectives. Past performance of investments is not necessarily indicative of their future returns. Market volatility can sometimes change asset values. When this happens, the values of your assets may become somewhat inconsistent with your desired asset allocation 3 objectives, as stated in your investment policy statement. If we think it is appropriate, we will rebalance your portfolio to match your allocation objectives. Investment Management through Trade Signals We may also enter into an agreement with a financial advisor to provide trade signal alerts that replicate some of our classic style investment strategies trades. After receiving the trade signal alert, the financial advisor is responsible for executing the client’s trades. We will have no direct relationship with the financial advisor’s client. As agreed upon in our agreement with the financial advisor, we receive a fee based on the end of the calendar quarter value of assets under management in our trade signal program and/or a flat fee. Portfolio Management Styles We have two basic types of portfolio management styles: Classic and Specialty. In our Classic management style, we have established four model portfolios: 1) Growth, 2) Growth and Income, 3) Balanced, and 4) Income and Growth. Each of these portfolios as well as the portfolios discussed below is described more fully later in this brochure in the section entitled, “Item 8 Methods of Analysis, Investment Strategies, and Risk of Loss.” We actively

manage these portfolios and from time to time change the equity and fixed income allocations within the portfolios. The Classic portfolios are also available in a Biblically Responsible version. These portfolios use Biblically Responsible funds to reduce exposure to investments that violate core Christian values. For additional information, see Item 8 on our methods of analysis, investment strategies, and risk of loss. The Specialty Portfolios consist of five model portfolios: Capital Preservation and Income, Dynamic Growth, Equity Alpha, Multi-Asset Income, and Tactical Advisor. Each of these portfolios was developed to meet unique investment objectives of certain clients who have a high demand for current income or growth. When you engage us to provide investment management services, the assets you select for our management will be transferred to Fidelity Investments, Charles Schwab & Co., or a custodian of your choice, if you are in a qualified plan. Once your assets are transferred to the custodian, we may hold them in short-term money market funds due to current market conditions or if we are in the process of changing our model allocations. If your assets are partially received, we may hold them in a short-term money market fund until the remainder of transfers are deposited. If securities are transferred into your account(s) as illiquid or partially-liquid securities we will, to the best of our ability, sell these positions as we are able and invest the proceeds into your elected portfolio, unless otherwise direct by you in writing. 4 Outside Management Consulting Services If you engage us for our outside management consulting services, we will consult with you regarding your investment choices on selected assets pursuant to our Outside Management Service Consulting Agreement. In so doing, we will build a model to determine trading opportunities for your investments but you will be responsible to implement our recommended strategy by entering into a separate contract with a securities broker-dealer, bank, mutual fund company, insurance company, or other financial services provider of your choosing. We charge clients a flat quarterly fee for this service, as described in more detail in the “FEES AND COMPENSATION” section beginning on page 6. Financial Planning Our financial planning services include furnishing financial and investment advice, recommending the purchase and sale of securities, or assisting in selecting and monitoring unaffiliated investment managers. These services and fees are set forth in our Financial Planning and Consulting Agreement signed by both of us. If you engage us for this service, we will develop a formal, written and comprehensive financial plan designed specifically for your goals, which includes an analysis of all current assets including employer sponsored retirement plans and personal property, liabilities, insurance, taxation, and estate planning. As with our Outside Management Consulting Services, you will be responsible to implement our advice and enter into a separate contract with a securities broker-dealer, bank, mutual fund company, insurance company, or other financial services provider of your choice. Selection and Monitoring Other Managers We also provide services to evaluate, select, and monitor the investment performance of independent investment managers (“Third-Party Managers”) pursuant to a Financial Planning and Consulting Agreement. Third-Party Managers may offer specialized expertise and experience in specific asset classes to diversify the client’s investment portfolio and strategies. Initially, we perform a limited background investigation on each Third-Party Manager, based on the public information provided to us, such as their Form ADV Part 2A (like this document). We may from time to time update our limited background check on a Third-Party Manager, if warranted, by known changes in the Third-Party Manager’s circumstances. If you engage us to select and monitor other money managers, we will together with you decide which Third-Party Manager to use, based on the suitability information you provide us. You will then directly hire that Third-Party Manager using the Third-Party Manager’s contract and pay the Third-Party Manager’s fees and charges, described in its Form ADV Part 2A and contract. While we may be able to negotiate exceptions, generally you will be subject to any minimum account size or other conditions imposed by each Third- Party Manager. After you hire the Third-Party Manager, we will monitor and periodically 5 report to you on the Third-Party Manager’s performance with respect to the assets it is managing on your behalf. Third-Party Managers are not affiliated with our firm and we are not responsible for their services, actions, omissions, or performance. Our responsibility is limited to initially evaluating and recommending suitable investment advisers for your account based upon reasonably available information at the time and periodically reporting on the Third-Party Manager’s investment performance for your account. If we receive any compensation from a Third-Party Manager for making a referral, you will receive a specific disclosure brochure describing the referral, the relationship, and the compensation. Termination of Services Either of us may terminate the agreement for any reason upon five business days’ written notice. You are responsible for any transaction for your account that has been initiated but not settled prior to our receipt of your termination notice. Upon termination of our investment management services, any pre-paid advisory fees will be prorated and, if more than $5.00, refunded based on the number of days services were rendered during that calendar quarter, with the exception of the maintenance fee described below in Fees and Compensation. Refunds of fees paid from a tax-qualified plan or account should be returned to the plan or account, when possible, if adequate notice is given prior to the plan or account closing and/or loss of authorization so the refund is not treated as a distribution. Some plan custodians may treat such refunds as new contributions, which may reduce the amount of other contributions clients can make during that tax year. Upon termination of our financial planning and consulting services, we typically do not refund the initial deposit if we have already performed services for your benefit. If we completed the project, you are responsible for paying the balance due for our services rendered. Upon termination of our management of Third-Party Managers, you may continue using the Third-Party Manager; however, our responsibilities for your account and monitoring the Third-Party Manager’s performance terminates. Assets Under Management As of December 31, 2022, we had $786,841,000 of assets under our management on a discretionary basis and $21,588,000 on a non-discretionary basis. 6