ADV PART 2B

NAPLES GLOBAL ADVISORS, LLC rd 856 3 Avenue South, Ste. 200 Naples, Florida 34102 ® ® ® Michael H. Morris John M. Suddeth, Jr., CFA Kerry M. Geroy, CTFA, IACCP Grzegorz (“Greg”) S. Debski, CFA Isaac E.W. Codrey, CFA Sara B. Perkins Kelly K. Walker, CFP John Kent Cheesborough Austin K. Herzer Thomas Wyatt Russo, CFA Juan J. Botero Matthew J. Oleksak, CFP VERO BEACH GLOBAL ADVISORS 3003 Cardinal Drive, Ste. E Vero Beach, Florida 32963 ® David W. Griffis, CFA Andrew B. Hartline, CFA James (“Jim”) C. Davis, CFP Contact Information: Henry J. Venker Telephones: 239-776-7900 / 772-213-8000 Email: compliance@naplesglobaladvisors.com Facsimile: 239-776-7909 Websites: www.NaplesGlobalAdvisors.com / www.VeroBeachGlobalAdvisors.com Updated May 15, 2026 This Brochure Supplement provides information on the personnel of Naples Global Advisors, LLC and its affiliate, Vero Beach Global Advisors (together the “Firm”) and supplements the Naples Global Advisors, LLC Firm Brochure. Clients and prospective clients receive a copy of the Firm Brochure. If you did not receive the Firm’s Brochure, or if you have any questions about the contents of this Supplement, please contact Kelly Walker, Chief Compliance Officer, via email at compliance@naplesglobaladvisors.com or via telephone at 239-776-7900. information about these individuals is available on the SEC’s website at Additional www.adviserinfo.sec.gov.  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Michael H. Morris Education: 1959 BS in Finance from Millsaps College in 1981 Business Experience: MBA from Millsaps College in 1983 Michael relocated to Florida in 1984 and to Naples in 1994, serving in senior leadership roles in wealth management for Florida National Bank and SunTrust until 2000. In 2000, Michael became president and CEO of First National Trust Company, a wholly owned subsidiary of FNB Corporation. In 2004, the Florida operations of FNB Corporation were spun out to shareholders and Michael became a member of the new banking company, First National Bankshares of Florida, executive committee, as well as continuing to be responsible for trust, investment services, and private banking. First National was acquired by Fifth Third Bancorp in January of 2005, with Michael continuing to lead the investment advisors business until January 2006. Michael co-founded Naples Capital Advisors in 2007 and served as the CEO for the firm. The firm was acquired by TIB Financial Corp. in January of 2008. He also served as an executive officer and member of the board of directors of TIB Bank until co-founding Naples Global Advisors in September of 2011. Michael is an Investment Advisor Representative of Naples Global Advisors registered with the Florida Office of Financial Regulation and FINRA, an accreditation granted for passing the Series 65 Exam. Michael serves as the Chief Executive Officer for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: John M. Suddeth, Jr., CFA Year of Birth: 1963 Education: BS in Finance from Auburn University in 1986 MBA from Georgia State University in 1993 Business Experience: John began his financial services career with Drexel Burnham Lambert in Orlando, Florida in 1986. After earning a Master of Business Administration degree from Georgia State University, John moved to Southwest Florida and spent the next nine years working for SunTrust Bank and Northern Trust Bank as a portfolio manager. During this period he earned the Chartered Financial Analyst designation and later served as a director of the Naples Financial Analyst Society. The CFA designation is globally recognized and attests to a charterholder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis. In 2001, John accepted an executive level position with the A.I. duPont Trust in Jacksonville. As Director of Investments for the multi- billion-dollar charitable trust, he was responsible for the public market component of the portfolio along with providing input on broader strategic investment issues. During his five- year tenure with the duPont Trust, John had direct oversight responsibility for the trust’s publicly-traded equity and debt securities, including domestic and foreign markets, as well as active and passive mandates. John co-founded Naples Capital Advisors in 2007 and served as the Chief Investment Officer for the firm. The firm was acquired by TIB Financial Corp. in January of 2008, and John maintained his role there until co-founding Naples Global Advisors in September of 2011. John serves as the Chief Investment Officer for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: ® Kerry M. Geroy, CTFA, IACCP Year of Birth: 1966 Education: BS in Sociology from University of Florida in 1988 Business Experience: ® Kerry began her career in financial services with SunTrust (formerly SunBank/Naples, N.A.) in 1990 as a Trust Administrative Assistant and subsequently moved into the roles of Trust Administrator and Trust Officer. She spent the next 18 years with NationsBank, Comerica Wealth and Institutional Management and National City Bank as Vice President/Trust Officer where she managed client relationships. In 2001, she earned the Certified Trust and Financial Advisor designation. The CTFA is designed to recognize a standard of knowledge and competence for the trust and wealth advisory field. In 2008, Kerry joined TIB Bank and Naples Capital Advisors. Her primary role was to develop and implement the trust services offering in the wealth management division of TIB Bank and to serve as the Chief Compliance Officer for Naples Capital Advisors. In 2015, Kerry earned the designation of Investment Adviser Certified Compliance Professional. The IACCP is co-sponsored by the Investment Adviser Association and NRS and is designed to ensure that compliance professionals have been trained, tested and certified to meet high industry professional standards. Kerry is an Investment Advisor Representative of Naples Global Advisors registered with the Florida Office of Financial Regulation and FINRA, an accreditation granted for passing the Series 65 Exam. Kerry joined Naples Global Advisors in September of 2011. Kerry serves as a Client Advisor for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Grzegorz (“Greg”) S. Debski, CFA Education: 1986 Business Experience: BS in Finance from University of Connecticut in 2008 Greg started his career in financial services as a Junior Analyst for a Senior Wealth Management group with UBS. He worked closely with high-net-worth clients on portfolio management and investment analysis. After his time at UBS, he moved to a private alternative investment firm where he invested firm capital as a derivatives trader and equity portfolio manager. Greg earned his Chartered Financial Analyst designation in 2016. The CFA designation is globally recognized and attests to a charterholder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis. Greg joined Naples Global Advisors in March of 2013. Greg serves as the Chief Information Security Officer and Portfolio Manager for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Isaac E.W. Codrey, CFA Education: 1984 BA in Physics from Rollins College in 2006 MBA from Rollins College in 2008 Business Experience: Isaac started his career in financial services with Raymond James in 2008 as a Junior Analyst in Naples, Florida. He worked with high-net-worth clients on portfolio management and investment analysis. In 2009, Isaac joined CreditSights, a leading independent credit research provider. As a senior analyst on the U.S. Strategy team, he was responsible for authoring research that focused on global macro-economic and credit trends in the U.S. high-grade and high-yield corporate bond markets. Isaac earned his Chartered Financial Analyst designation in 2010. The CFA designation is globally recognized and attests to a charterholder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis. Isaac joined Naples Global Advisors in January of 2017. Isaac serves as an Investment Analyst and Portfolio Manager for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Sara B. Perkins Education: 1989 BS in Finance from University of Florida in 2012 Business Experience: Sara began her career at Cameron, a division of Schlumberger Group, in Houston, Texas after obtaining a Bachelor of Science degree in Finance from the University of Florida. During her time with Cameron, Sara was involved in an accelerated development program and held numerous roles in the Finance functions of the company including a global experience during a year-long project in Singapore supporting the startup of a new production plant. After repatriating to Houston in 2014, Sara continued with Cameron and held roles as Finance Project Controller and Finance Project Manager. In September 2017, Sara moved to Naples and joined the NGA team. Sara is an Investment Advisor Representative of Naples Global Advisors registered with the Florida Office of Financial Regulation and FINRA, an accreditation granted for passing the Series 65 Exam. Sara serves as a Client Advisor for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: ® Year of Birth: Kelly K. Walker, CFP Education: 1997 BS in Mathematics and Economics and Finance from Florida Southern College in 2019 Business Experience: Kelly began her financial services career at Naples Global Advisors as a Client Services Officer followed by her role as a Client Advisor before progressing to the Chief Compliance Officer. Kelly earned a Bachelor of Science degree from Florida Southern College where she double-majored in Mathematics as well as Economics and Finance. She is an Investment Advisor Representative of Naples Global Advisors registered with the Florida Office of Financial Regulation and FINRA, an accreditation granted for passing the Series 65 Exam. ® ® professional or a CFP ® ® ® certification at www.cfp.net. ® ® professionals have met CFP Board’s high standards for education, examination, professional, an individual must fulfill the following In 2023, Kelly became certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, she may be referred as a CERTIFIED FINANCIAL PLANNER professional and may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. The CFP certification is voluntary. No federal or state law or regulation certification. You may find more information requires financial planners to hold the CFP about the CFP CFP experience, and ethics. To become a CFP • requirements: ® • Education: Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. ® Certification Examination. The the comprehensive CFP Examination: Pass examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.  • • Experience: Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets Fitness Standards for Candidates for CFP® Certification and Former additional requirements. CFP® Professionals Seeking Reinstatement Code of Ethics: Satisfy the Ethics and Standards of Conduct and agree to be bound by CFP Board’s (“Code and Standards”), which sets forth the ethical and ® practice standards for CFP professionals. • Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: ® ® • Code and Standards Ethics: Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial professional who does advice and financial planning. CFP Board may sanction a CFP not abide by this commitment, but CFP Board does not guarantee a CFP professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. Continuing Education: Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the . Kelly serves as the Chief Compliance Officer for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: John Kent Cheesborough Education: 1987 BS in Business from Miami University in 2009 Business Experience: Kent began his career in financial services with Fisher Investments in 2010 as a Client Management Associate. He worked with high-net-worth clients managing the operational aspects of their advisory relationship with the firm. His focus on investments later developed in his roles in Institutional Fixed Income Sales and Trading with Carolina Capital Markets, a FINRA registered Broker-Dealer and with Brownstone Investment Group, where he served as a Director of Sales and Trading working in both the North Carolina and New York offices. At Brownstone, he provided execution and advisory services to a variety of institutional clients. Prior to joining Naples Global Advisors, Kent served as a Wealth Advisor with Investors Trust Company, an investment management and financial planning advisory firm in Chapel Hill, North Carolina. Kent is an Investment Advisor Representative of Naples Global Advisors registered with the Florida Office of Financial Regulation and FINRA, an accreditation granted for passing the Series 65 Exam. Kent joined Naples Global Advisors in 2021. Kent serves as an Investment Analyst and Portfolio Manager for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Austin K. Herzer Education: 1995 BS in Finance from University of Florida in 2017 Business Experience: Austin graduated from the University of Florida in 2017 with a Bachelor of Science in Finance. He then completed a two-year post baccalaureate program in medical sciences at the University of Florida. After successfully graduating from this program, he attained the Director of Enterprise Sales role for Vive Remote Patient Monitoring, a healthcare startup company. Austin joined the NGA team in 2022 as an Investment Analyst. He is an Investment Advisor Representative of Naples Global Advisors registered with the Florida Office of Financial Regulation and FINRA, an accreditation granted for passing the Series 65 Exam. Austin serves as an Investment Analyst for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Thomas Wyatt Russo, CFA Education: 1987 BA in Economics from Denison University in 2010 MBA from Columbia Business School in 2017 Business Experience: Prior to joining Naples Global Advisors, Wyatt worked in the Market Structure & Partnerships group in the Global Banking & Markets division at Goldman Sachs. While at Goldman Sachs, he was responsible for strategic investments, partnerships, and electronic trading. Wyatt began his career at Bloomberg LP in the financial products group. Wyatt earned a BA in Economics from Denison University and an MBA from Columbia Business School. Wyatt earned the Chartered Financial Analyst designation in 2021. The CFA designation is globally recognized and attests to a charterholder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis. Wyatt serves as an Investment Analyst and Portfolio Manager for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Juan J. Botero Education: 1994 BS in Finance from Florida State University in 2017 MS in Business Analytics and Information Systems from University of South Florida in 2022 Business Experience: Juan earned a Bachelor of Science in Finance from Florida State University in 2017 and later obtained a Master of Science in Business Analytics and Information Systems from the University of South Florida in 2022. Prior to joining Naples Global Advisors, Juan served as a Vice President at Citigroup within the Corporate Treasury team. In this role, he focused on liquidity management, including contingency funding planning, stress testing, and balance sheet analysis supporting the firm’s global treasury and risk management framework. Juan joined NGA in 2025 as a Client Advisor. He is an Investment Advisor Representative of Naples Global Advisors registered with the Florida Office of Financial Regulation and FINRA, an accreditation granted for passing the Series 65 Exam. Juan serves as a Client Advisor for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: ® Year of Birth: Matthew J. Oleksak, CFP Education: 1988 BA in History from University of Tampa in 2010 M.Ed. from University of Tampa in 2012 Business Experience: ® After graduating from the University of Tampa in 2010, Matt began his career in education. In 2013, he transitioned into financial services, joining MetLife which later became Brighthouse Financial. His focus was supporting insurance-based solutions of a wide range of retirement, income, and planning-related needs. Matt is an Investment Advisor Representative of Naples Global Advisors registered with the Florida Office of Financial Regulation and FINRA, an accreditation granted for obtaining the CFP certification. ® ® professional or a CFP ® ® ® certification at www.cfp.net. ® ® professionals have met CFP Board’s high standards for education, examination, professional, an individual must fulfill the following In 2021, Matt became certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may be referred as a professional and may use these and CERTIFIED FINANCIAL PLANNER the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. The CFP certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP certification. You may find more information about the CFP CFP experience, and ethics. To become a CFP • requirements: ® • • Education: Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. ® Certification Examination. The Examination: Pass the comprehensive CFP examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. Experience: Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.  • Fitness Standards for Candidates for CFP® Certification and Former Code of CFP® Professionals Seeking Reinstatement Ethics: Satisfy the Ethics and Standards of Conduct and agree to be bound by CFP Board’s (“Code and Standards”), which sets forth the ethical and ® practice standards for CFP professionals. • Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: ® ® • Code and Standards Ethics: Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial professional who does advice and financial planning. CFP Board may sanction a CFP not abide by this commitment, but CFP Board does not guarantee a CFP professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. Continuing Education: Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the . Matt serves as a Client Advisor for the Firm. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: David W. Griffis, CFA Education: 1968 BA in Organizational Management/Finance from Bluffton University in 1995 MBA from Otterbein University in 2002 Business Experience: David has more than 30 years of experience in Investment Management. In addition to his undergraduate and master’s degrees, David earned the Chartered Financial Analyst designation. The CFA designation is globally recognized and attests to a charterholder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis. Prior to co-founding Vero Beach Global Advisors, David served as a Senior Investment Officer/Senior Vice President at Northern Trust and as a Senior Portfolio Manager at PNC Bank. He joined with Naples Global Advisors and Andrew Hartline to form Vero Beach Global Advisors in 2017. David serves as Managing Partner of Vero Beach Global Advisors which is an affiliate of Naples Global Advisors, LLC. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Andrew B. Hartline, CFA Education: 1967 BBA in Finance from Stetson University in 1989 Business Experience: Andrew has over 20 years of experience in the areas of portfolio management, trust administration, private banking, and commercial/corporate lending. He earned his Chartered Financial Analyst designation in 1999. The CFA designation is globally recognized and attests to a charterholder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis. Andrew also earned the Certified Investment Management Analyst designation in 2005. He is a graduate of the Southeast Bank Commercial Management Associate Program, the Florida Graduate Trust School, and the National Trust School at Northwestern University. Prior to co-founding Vero Beach Global Advisors, Andrew served as a Senior Vice President and Senior Wealth Strategist at Northern Trust. He joined with Naples Global Advisors and David Griffis to form Vero Beach Global Advisors in 2017. Andrew serves as Managing Partner of Vero Beach Global Advisors which is an affiliate of Naples Global Advisors, LLC. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: ® Year of Birth: James (“Jim”) C. Davis, CFP Education: 1960 BBA in Finance from University of Georgia in 1982 Business Experience: Jim has more than 40 years of financial service experience. After graduating from the University of Georgia with a business degree in finance, Jim started his financial services career with Trust Company Bank of Georgia (now Truist Bank). In 2000, he moved to Vero Beach, Florida and held senior positions in wealth management and private banking. Prior to joining the Vero Beach Global Advisors, Jim was a Vice President with Fidelity Investments in the role of a Wealth Planner working with high net-worth individuals and their families. ® ® professional or a CFP ® ® ® certification at www.cfp.net. ® ® professionals have met CFP Board’s high standards for education, examination, professional, an individual must fulfill the following In 2014, Jim became certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may be referred as a CERTIFIED FINANCIAL PLANNER professional and may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the certification is voluntary. No federal or state law or regulation United States. The CFP requires financial planners to hold the CFP certification. You may find more information about the CFP CFP experience, and ethics. To become a CFP • requirements: ® • • Education: Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. ® Certification Examination. The Examination: Pass the comprehensive CFP examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. Experience: Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.  • Fitness Standards for Candidates for CFP® Certification and Former Code of CFP® Professionals Seeking Reinstatement Ethics: Satisfy the Ethics and Standards of Conduct and agree to be bound by CFP Board’s (“Code and Standards”), which sets forth the ethical and ® practice standards for CFP professionals. • Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: ® ® • Code and Standards Ethics: Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial professional who does advice and financial planning. CFP Board may sanction a CFP not abide by this commitment, but CFP Board does not guarantee a CFP professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. Continuing Education: Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the . Jim serves as a Financial Advisor of Vero Beach Global Advisors which is an affiliate of Naples Global Advisors, LLC. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).  Form ADV Part 2B: Brochure Supplement Name: Year of Birth: Henry J. Venker Education: 2003 BS in Finance from Indiana University in 2024 Business Experience: Henry holds a Bachelor of Science in Finance from the Kelley School of Business at Indiana University. Henry is pursuing the Chartered Financial Analyst designation and has passed all three levels of the program. He is currently accumulating the required work experience to be awarded the CFA designation. The CFA designation is globally recognized and attests to a charterholder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis. Prior to joining VBGA, Henry gained hands-on experience as an Equity Research Intern at Mitchell Capital Management. Henry serves as an Investment Analyst of Vero Beach Global Advisors which is an affiliate of Naples Global Advisors, LLC. Disciplinary Information: No disciplinary actions. Other Business Activities: None. Additional Compensation: No additional outside compensation received. Supervision: The Management Committee of the Firm is responsible for the overall supervision of Firm employees and adherence to Firm policies and procedures. The Management Committee consists of Michael H. Morris, Chief Executive Officer (239-776- 7901), John M. Suddeth, Jr., Chief Investment Officer (239-776-7902), and Greg S. Debski, Chief Information Security Officer (239-776-7907).