Insurance Review We are able to facilitate an independent review of your property, casualty, and personal liability insurance to ensure you have the best coverage. In addition, we can determine if life insurance may be advisable to provide liquidity to pay estate taxes. Family Meetings In partnership with your attorney and accountant we can host family meetings. We are happy to work with you to develop an agenda, including for example, beneficiary education/mentoring programs. Cash Flow Management We are happy to develop spreadsheets of family cash flow needs for large investments or purchases as well as for tracking capital commitments and calls and to track non-investment portfolio investment assets. Philanthropic Strategies Only you can decide if and when you want to make charitable contributions, however, we can help determine how to give in the most tax-efficient manner. Outside Assets Monitoring In addition to developing spreadsheets of your outside investment assets, we can work with you and develop a method to monitor and provide you with updated valuations. Executive Compensation Analysis We can review stock option plans and other current or deferred compensation programs of our executive clients. Legal Disclosure Social Media Disclosure Form ADV Form CRS Privacy Policy Website by Nisse Designs © 2021 Boston Financial Management, LLC. All rights reserved.

DIVIDEND APPRECIATION CORE PLUS INTERNATIONAL Equity BFM actively invests in what we deem to be high-quality securities and aims to hold concentrated portfolios for many years. High-quality businesses are defined as possessing competitive advantages that allow them to earn above-average returns on their capital and generate growing, reliable cash flows. Our approach is to opportunistically purchase their stock when the market might misperceive intrinsic worth. Fixed Income Our philosophy uses fixed income to mitigate the overall volatility of a portfolio, while providing a reliable income stream to investors. For taxable accounts, we construct diversified portfolios of individual, investment-grade corporate issues that we intend to hold to maturity. For tax-exempt accounts, we utilize general obligation and essential purpose municipal bonds. We believe the interest rate environment and duration targeting are the building blocks of a bond portfolio. TAXABLE TAX-EXEMPT Alternatives As appropriate, BFM utilizes alternative investment classes to further diversify portfolios and mitigate volatility. We pass our team’s experience of riding differing market environments on to the advice we provide for our clients in managing their portfolios. Purpose-Driven Investing We believe in supporting our clients who wish to fold their social beliefs into their investment goals. Whether it comes in the form of Socially Responsible Investing (SRI), Environmental, Social & Governance (ESG), or other exclusions, our team works to reflect each client’s plans in their portfolio composition. Legal Disclosure Social Media Disclosure Form ADV Form CRS Privacy Policy Website by Nisse Designs © 2021 Boston Financial Management, LLC. All rights reserved.