MEADOWBROOK INVESTMENT ADVISORS LLC

Firm Brochure (Part 2A of Form ADV) MeadowBrook Investment Advisors 17199 N. Laurel Park Drive, Suite # 311 Livonia, Michigan 48152 Phone: 734-953-8688 Website: www.meadowbrook-advisors.com EMAIL: rdoyle@meadowbrook-advisors.com This brochure provides information about the qualifications and business practices of MEADOWBROOK INVESTMENT ADVISORS, LLC. If you have any questions about the contents of this brochure, please contact us by phone at 734-953-8688 or email at rdoyle@meadowbrook- advisors.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission, or by any state securities authority. We are a registered investment adviser. Registration of an adviser does not imply any level of skill or training. LLC about MEADOWBROOK on available the SEC’s website INVESTMENT at information Additional ADVISORS, is www.adviserinfo.sec.gov. January 19, 2026 MeadowBrook Investment Advisors  Material Changes Annual Update The Material Changes section of this brochure will be updated annually or when material changes occur since the previous annual update of the Firm’s Brochure. Pursuant to SEC rules, we will ensure that you receive a summary of any material changes to this and subsequent brochures within 120 days of the close of our fiscal year. We may also provide other ongoing disclosure information about material changes as necessary. The following material changes have occurred since our last annual update on January 20,2025: No material changes Full Brochure Available Whenever you would like to receive a complimentary copy of our Firm Brochure, please contact us by telephone at: 734-953-8688 or by email at: rdoyle@meadowbrook-advisors.com. i MeadowBrook Investment Advisors  Table of Contents Material Changes............................................................................................................ i Annual Update ............................................................................................................ i Full Brochure Available ............................................................................................... i Advisory Business ........................................................................................................ 1 Firm Description ......................................................................................................... 1 Principal Owners ........................................................................................................ 1 Types of Advisory Services ........................................................................................ 1 Tailored Relationships ............................................................................................... 1 Investment Management Agreement ......................................................................... 2 Fees and Compensation ............................................................................................... 2 Description ................................................................................................................. 2 Other Fees ................................................................................................................. 3 Expense Ratios .......................................................................................................... 3 Termination of Agreement ......................................................................................... 3 Performance-Based Fees ............................................................................................. 3 Sharing of Capital Gains ............................................................................................ 3 Types of Clients............................................................................................................. 3 Description ................................................................................................................. 3 Methods of Analysis, Investment Strategies and Risk of Loss ................................. 4 Methods of Analysis ................................................................................................... 4 Investment Strategies ................................................................................................ 4 Risk of Loss ............................................................................................................... 5 Disciplinary Information ............................................................................................... 6 Legal and Disciplinary ................................................................................................ 6 Other Financial Industry Activities and Affiliations ................................................... 7 Financial Industry Activities ........................................................................................ 7 TOC 1 MeadowBrook Investment Advisors  Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ........................................................................................................................... 7 Code of Ethics............................................................................................................ 7 Participation or Interest in Client Transactions ........................................................... 8 Personal Trading........................................................................................................ 8 Brokerage Practices ...................................................................................................... 9 Selecting Brokerage Firms ......................................................................................... 9 Best Execution ........................................................................................................... 9 Soft Dollars .............................................................................................................. 10 Order Aggregation ................................................................................................... 10 Review of Accounts .................................................................................................... 10 Periodic Reviews ..................................................................................................... 10 Review Triggers ....................................................................................................... 11 Regular Reports ....................................................................................................... 11 Client Referrals and Other Compensation ................................................................ 11 Referrals .................................................................................................................. 11 Other Compensation ................................................................................................ 11 Custody ........................................................................................................................ 11 Account Statements ................................................................................................. 11 Investment Discretion ................................................................................................. 12 Discretionary Authority for Trading ........................................................................... 12 Voting Client Securities .............................................................................................. 12 Proxy Votes ............................................................................................................. 12 Financial Information .................................................................................................. 13 Financial Condition .................................................................................................. 13 Information Security Program .................................................................................... 13 Information Security ................................................................................................. 13 Brochure Supplement (Part 2B of Form ADV) ............................................................ 1 George F. Abel........................................................................................................... 2 Ronald L. Doyle, CFA ................................................................................................ 2 Robert T. Grabowski .................................................................................................. 2 Dale B. Embry ............................................................................................................ 2 TOC 2 MeadowBrook Investment Advisors  Advisory Business Firm Description MEADOWBROOK INVESTMENT ADVISORS, LLC (“MeadowBrook”) is an employee owned, SEC regulated, Registered Investment Advisor started in 1999. The firm was formed by George Abel, Dale Embry, Robert Grabowski, and Ronald Doyle, all former senior professionals with NBD and First Chicago Investment Management Company. MeadowBrook’s investment professionals have more than 160 years of combined investment management experience. Included in that experience is the management of a large investment organization as well as the management of major business segments including equity research, equity fund management, fixed income fund management and institutional portfolio management. We all have experience in a variety of investment disciplines and a history of accomplishment and excellence in customer service. The firm has strong competency in the management of individually invested separate accounts for Balanced, Core Equity, Income Equity, Small/Mid Cap Equity and Fixed Income investments for high net worth individuals and select institutional accounts. MeadowBrook believes that long-term investment success results from the application of a consistent, disciplined and systematic process. Principal Owners MeadowBrook is 100% employee owned. George F. Abel is a 29.4% member. Dale B. Embry is a 35.3% member. Ronald L. Doyle is a 35.3% member. Types of Advisory Services MeadowBrook offers comprehensive investment advice regarding asset mix, investment style mix and individual security selection to an array of clients including; individuals, trusts, foundations and charitable organizations. Investment advice is provided to our clients through direct consultations, verbal and written communications and periodic correspondence on relevant matters and events which may impact the financial markets. Tailored Relationships Each account is individually tailored to meet the distinct needs and risk tolerance of each client. Therefore, asset allocation and style allocations are unique to each client. Within the various styles, individual security selection is managed to be as similar as possible in the absence of client restrictions. For taxable clients, significant consideration will be given to tax consequences and efforts will be made to achieve favorable after-tax returns. 1 MeadowBrook Investment Advisors  We begin the investment process by developing client specific investment guidelines or reviewing the current guidelines to make sure they are complete and consistent with the client’s current risk profile. The investor’s profile, combined with long-term capital market risk return relationships, is used to determine each client’s appropriate mix of stocks, bond and cash. MeadowBrook manages each portfolio to the target mix. Strategic deviations occur within a reasonable range as asset classes meaningfully outperform and underperform one another. Also, at every client meeting we discuss the guidelines to see if there are any client driven or market reasons to modify the targets. Investment Management Agreement MeadowBrook’s Investment Management Agreement is entered into by the client, allowing MeadowBrook to manage their assets so long as such investment activities are in accordance with the established investment guidelines. As of December 31, 2025, MeadowBrook had approximately $185 million in assets under management for 64 client relationships, managed on a discretionary basis. Fees and Compensation Description MeadowBrook utilizes an asset based fee structure. Fees are prepaid for the next quarter and are based on the designated assets under management established on the last day of the middle month of each calendar quarter (February, May, August and November). Invoices will generally be mailed by the 15th of the following month and fees will be collected by the custodian from the designated account(s) during the first business week of each new quarter. Invoices are based on the following fee schedule: Balanced & Equity Fee Schedule: 1.25% on the first $500,000 0.70% on the next $2,500,000 0.50% on the next $7,000,000 Over $10,000,000 Negotiated In selected cases, the asset based fee structure may be negotiable. No client will have prepaid fees of more than one calendar quarter. 2 MeadowBrook Investment Advisors  Other Fees Each time we transact in a client’s account, the broker may charge a commission to the investor. At Schwab, where the majority of our trades occur, the current commission rate is zero if not a mutual fund. Trading costs have continually declined and now typically represent virtually zero expense for our clients. The cost of trades done with brokers other than Schwab is typically 5-6 cents per share. Furthermore, there is an additional cost to settle the trades at Schwab. In addition to commissions, a small SEC fee is charged to all sales. All trading costs are disclosed on the client’s trade confirmation that is provided by the Custodian. See the Brokerage Practices section for additional information. Expense Ratios The majority of our assets under management are in individual securities however when we use mutual funds or exchange-traded funds (ETFs), the investor is paying an imbedded fee in addition to our management fee. The most common use is money market funds, used for cash reserves and as sweep vehicles for dividends, interest payments, sales and purchases and disbursements. When choosing a mutual fund or ETF we consider internal management fee levels as part of our overall evaluation, although it may not be the deciding factor. Purchases and sells of ETFs also incur transaction costs similar to individual securities transactions. Termination of Agreement If a client terminates their agreement with MeadowBrook, prepaid fees will be refunded to the client on a pro rata basis subject to the 30 day written notice. Performance-Based Fees Sharing of Capital Gains MeadowBrook does not use a performance-based fee structure. Types of Clients Description MeadowBrook offers investment advice to individuals, trusts, foundations and charitable organizations. The minimum relationship is generally $250,000 of assets under management. Exceptions to this minimum relationship amount are considered on a selected basis. 3 MeadowBrook Investment Advisors  Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Equities: MeadowBrook employs a research driven investment approach emphasizing strong fundamentals, reasonable value and portfolio risk control. Fundamental analysis includes evaluating a potential investment’s growth prospects, competitive position, strategy and the likelihood of success in implementing that strategy. Valuation analysis includes a variety of relative and absolute valuation techniques. Portfolio risk control centers on diversification, paying particular attention to broad sector weightings. We also continuously monitor all holding, evaluating developments relative to our expectations. Stocks holdings are reduced or eliminated either as they reach our estimate of full value or due to changes in the fundamental outlook. Our overall goal is to build a portfolio with above average fundamental characteristics, attractive value measures and controlled overall risk exposure. Fixed Income: MeadowBrook analyzes the finances of municipalities and corporations available through a number of reliable publications as well as direct contact with the issuer of the securities. These publications include municipal and corporate rating services, prospectuses, official statements and company related news. Risk is managed through high quality standards and broad diversification in direct and overlapping debt of municipalities and minimal concentrations in the corporate sector. Investment Strategies Equity: Core Equity-consists primarily of high quality, large, domestically based companies. Portfolio turnover is low. Small/Mid- consists primarily of higher quality smaller and mid-sized, domestically based companies. Portfolio turnover is moderate. International Equity- Consists primarily of exchange traded funds (ETFs) offering broad diversification among geographic regions. Specialty Styles- focusing on high growth or income utilizing individual stocks or ETFs. 4 MeadowBrook Investment Advisors  Fixed Income: Portfolio construction is based on each client’s needs and risk tolerance. For taxable clients, significant consideration is given to tax consequences and efforts are made to achieve solid after-tax returns. Assets are invested in investment grade securities (BBB or better) with an average rating of at least A. Maturity structures are based on client needs. Risk of Loss All investment programs have certain risks that are borne by the investor. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks: • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. For example, political, economic and social conditions may trigger market events. • Inflation Risk: When any type of inflation is present, a dollar next year will not buy as much as a dollar today, because purchasing power is eroding at the rate of inflation. • Currency Risk: Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. • Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. • Business Risk: These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company, which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. 5 MeadowBrook Investment Advisors  • Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. • Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Disciplinary Information Legal and Disciplinary In July 2017, MeadowBrook received two inquiries from the State of Michigan, Department of Licensing and Regulatory Affairs, Corporations, Securities and Commercial Licensing Bureau (the “Bureau”) asking why MeadowBrook, an investment adviser registered with the Securities and Exchange Commission, had not submitted a “notice filing” to the State of Michigan with respect to such registration. Additionally and separately, the Bureau inquired as to why George F. Abel, Dale B. Embry, Robert T. Grabowski and Ronald L. Doyle were not registered as investment adviser representatives in compliance with a law that went into effect in 2009. After a thorough review, MeadowBrook determined that it needed to notice file with the State of Michigan, and promptly did so. The failure to notice file was purely an oversight on the part of MeadowBrook. MeadowBrook also determined that Mr. Embry was indeed acting as an investment adviser representative for MeadowBrook and needed to be registered in compliance with the Michigan Uniform Securities Act. MeadowBrook and Mr. Embry promptly began the registration process and Mr. Embry subsequently passed the series 65 exam as required for approval as an investment adviser representative with the State of Michigan. During this period, the Bureau accepted MeadowBrook’s position that Messrs. Abel, Grabowski and Doyle were exempt from registration as investment adviser representatives with the State of Michigan. On October 17, 2017, the Bureau issued separate cease and desist orders to MeadowBrook and Mr. Embry. The order with respect to Mr. Embry was limited to the failure of MeadowBrook to alert Mr. Embry of his obligation to register as an investment adviser representative in the State of Michigan. The order with respect to MeadowBrook involved Mr. Embry’s lack of registration as an investment adviser representative, as well as MeadowBrook’s failure to file the required notice filings to the State of Michigan with respect to the firm’s registration as an investment adviser with the Commission. In complying with State of Michigan requirements on investment adviser 6 MeadowBrook Investment Advisors  representative registration, MeadowBrook made a mistake involving Mr. Embry. Historically, the State of Michigan did not require the registration and licensing of investment adviser representatives. When that changed in 2009, regrettably MeadowBrook was unaware of it. As a result of MeadowBrook’s mistake, the Bureau imposed a civil fine of $10,000.00 against Mr. Embry as an individual and $10,000.00 against MeadowBrook as a firm. MeadowBrook paid both of these fines. MeadowBrook also failed to recognize that a notice filing to the State of Michigan was required. As a result of this oversight, the Bureau imposed a civil fine of $10,000.00 against the firm. MeadowBrook paid the fine. The total fines of $30,000.00 was paid by MeadowBrook on November 9, 2017. The Bureau issued the final orders on November 27, 2017 and Mr. Embry became registered as an investment adviser representative with the State of Michigan on December 5, 2017. MeadowBrook has always prided itself on acting with integrity, honesty and in our clients’ best interests. Clearly we made a mistake in being unaware of the change in the law but quickly addressed and corrected this deficiency and put procedures into place so that it will never happen again. Other Financial Industry Activities and Affiliations Financial Industry Activities MeadowBrook is not involved in or affiliated with any securities broker-dealer, futures commission merchant, commodity pool operator or commodity trading advisor. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics MeadowBrook has adopted a Code of Ethics in compliance with the Securities and Exchange Commission rule 204A-1 under the Advisers Act to require registered investment advisers to adopt such rules. The code sets forth standards of conduct expected by advisory personnel and address conflicts that arise from personal trading by advisory personnel. A copy of MeadowBrook’s Code of Ethics is available upon request. 7 MeadowBrook Investment Advisors  Participation or Interest in Client Transactions MeadowBrook believes that there are many benefits to having the assets of MeadowBrook’s members and the assets of MeadowBrook’s clients managed similarly. MeadowBrook’s policies allow these benefits to be realized without conflicts of interest. Furthermore, assets held in client’s account are widely- held, liquid, publicly-traded securities Clients are annually made aware that MeadowBrook’s members and the client’s portfolios are investing in similar securities and investment strategies. Below is a copy of our personal trading policy regarding such transactions. Personal Trading We strongly encourage each member to maintain his or her personal investment assets with Schwab. Currently virtually all our members’ investment assets are custodied at Schwab and managed by MeadowBrook and therefore are available for review on a daily basis by a managing member. In addition, shadow accounts of outside custodied accounts are maintained on MeadowBrook’s accounting system. Furthermore, we strongly encourage members to invest in our styles as closely as their personal circumstances permit. We feel this is a huge advantage to our clients as we are taking a personal stake in the very same securities, and therefore the decision-making process, as they are. We feel we have put into place adequate controls to assure that at no time a client is disadvantaged to the benefit of a member. To assure we adhere to these principles the following reviews occur: o A trade blotter of all trades is reviewed by a managing member and the head of portfolio management on at least a monthly basis and available to all members as a formal notification. o Members will be notified of all other members’ transactions in accounts held outside Schwab or for transactions in securities not currently used in our client portfolios via the weekly trade blotter. Furthermore, no member can participate in an IPO or a private placement that is not also being purchased for clients, without prior approval. the managing member runs o Annually inventories and reviews all members’ accounts. Also, members are required to provide broker statements for any outside accounts on a quarterly basis. MeadowBrook’s members’ risk profiles may be more aggressive than our typical client. Therefore, members may purchase securities or invest in styles in their personal accounts that are not held in our model portfolios. 8 MeadowBrook Investment Advisors  Brokerage Practices Selecting Brokerage Firms MeadowBrook recommends that clients establish brokerage accounts with the Schwab Institutional division of Charles Schwab & Co., Inc. (Schwab), a registered broker-dealer, member SIPC, to maintain custody of clients’ assets and to effect trades for their accounts. MeadowBrook is independently owned and operated and not affiliated with Schwab. Schwab provides MeadowBrook with access to its institutional trading and custody services, which are typically not available to Schwab retail investors. Schwab’s services include brokerage, custody, research, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. MeadowBrook also uses other broker-dealer firms, which are internally approved, for equity and fixed income trades. Schwab does not charge a separate custody fee for MeadowBrook clients however, Schwab is compensated by account holders through transaction- related fees for some securities trades that are executed through Schwab or that settle into Schwab accounts. In addition, Schwab receives fees on assets held in Schwab managed funds and sweep vehicles. MeadowBrook receives no referral fees from Schwab of any other broker. Best Execution Meadowbrook seeks to complete trades at competitive commission rates subject to “best execution” parameters and subject to the Safe Harbor provisions of the Securities and Exchange Act of 1934. Best execution shall be defined as the clients’ most favorable outcome under the circumstances of a particular transaction. Meadowbrook will consider the full range and quality of a broker/dealer’s services including but not limited to, the value of research provided, execution capabilities, commission rate, financial condition and business responsibility, responsiveness and prior experience with the advisor and custodial fees charged on prime broker trades. Meadowbrook has adopted an annual review process to evaluate broker/dealers currently used or contemplated for use to qualify broker/dealers as appropriate to execute client trades. Additionally, Meadowbrook has implemented a post trade review process to periodically evaluate the quality of execution received. This review will consist of trade time, price, type of trade parameters, bid/ask spread, whether the trade was executed as expected and, if not, the results of follow-up with the broker/dealer. 9 MeadowBrook Investment Advisors  Soft Dollars Soft dollar arrangements must be approved by the firm’s members. MeadowBrook occasionally receives other products and services other than execution services from various broker-dealers in connection with client securities transactions. These products and services primarily relate to research services including company research reports. These products and services are not dependent on any explicit or implicit agreement between MeadowBrook and the broker-dealer regarding the level of business. These “prime broker” trades are most commonly done in our fixed income portfolios where we often seek a market maker with the expectation of receiving better execution (price). However, the commission rate may sometimes be higher than what can be obtained through an “execution only” broker. Schwab charges an additional fee to settle the trades done at other ’‘prime brokers”, typically $15 per trade, per account. Order Aggregation Most investment driven trades (as opposed to account circumstance trades) are done as block or bunched trades across all accounts by custodian, and are allocated with the exact same purchase or sale price (commission costs may vary depending on account size). We seek to avoid partial execution of blocks but should that occur, the allocation is done on a pro rata basis in accordance with our Equity Trading and Allocation policy (available upon request). Review of Accounts Periodic Reviews Continuous Review: Each account is assigned to an account portfolio manager who regularly reviews the account with regard to investment opportunities, appropriateness of current holdings, management of cash flows and execution of transactions that meet the client's individual needs. A transaction that meets approved criteria is initiated at the discretion of the account portfolio manager or his designee. Portfolio management oversight is provided by Dale Embry, the Director of Portfolio Management. Periodic Reviews: At least annually, individual securities that are held in client accounts but are not held in our various equity styles are reviewed and, unless client situations dictate otherwise, a plan is developed to reduce or eliminate the holdings. Securities Review: Individual securities are continuously reviewed by a designated professional. When such professional changes MeadowBrook’s outlook and opinion for a security, all accounts holding that security are 10 MeadowBrook Investment Advisors  reviewed. Equity securities oversight is performed by Ronald Doyle. Fixed Income securities are reviewed by Robert Grabowski. Review Triggers Other conditions that may trigger a review are changes in the tax laws, new investment information, and changes in a client's own situation. Regular Reports Clients will receive, directly from their custodian, reports on their account holdings and activity on a monthly basis. Clients are encouraged to compare the statements generated by the custodian to information provided by MeadowBrook. Client Referrals and Other Compensation Referrals Past referrals from individuals familiar with MeadowBrook and our professionals have proven useful in exposing the firm to prospective clients and in identifying prospects that are well suited for our services and capabilities. On an extremely limited basis, MeadowBrook has paid referral fees to recognize that value. Importantly, any referral amount paid is a direct expense of MeadowBrook and not the prospective client and does not impact how the prospective client is serviced or charged. Furthermore, all referral arrangements are disclosed to the prospective client in writing prior to any account relationship being established and signed acknowledgements are kept on file at MeadowBrook. MeadowBrook does not accept referral fees or any form of remuneration from other professionals, i.e., estate planning attorneys, accountants, brokers, etc., when a prospect or client is referred to them. Other Compensation MeadowBrook receives no other compensation other than the asset based fee structure discussed above. Custody Account Statements Clients will receive, directly from their custodian, monthly reports on their account holdings and activity. If requested, the custodian will also send trade confirmations directly to the client. 11 MeadowBrook Investment Advisors  MeadowBrook does not maintain custody of client assets. Rather, each client appoints a qualified custodian to take possession of all client funds and securities. We do not accept cash or securities. We have procedures in place to direct employees regarding the inadvertent receipt of any client funds or securities. Nevertheless, we are deemed to have custody when we are authorized, by the client, to directly debit our advisory fees from the client’s custodian account. We are also deemed to have custody when a client establishes a letter of instruction or other asset transfer authorization arrangement with their qualified custodian, authorizing us to disburse funds to one or more third parties specifically designated by the client. Clients are urged to compare the monthly account statements received directly from their custodians to the information and reports provided by MeadowBrook. Investment Discretion Discretionary Authority for Trading MeadowBrook accepts discretionary authority to manage investment accounts on behalf of clients so long as such investment activities are in accordance with any restriction on investments as specifically set forth in the established investment guidelines or investment management agreement. MeadowBrook generally has the authority to determine, without obtaining specific client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold, the broker or dealer to be used and, in some instances, the commission rate to be paid for client account securities transactions. A limited power of attorney, a trading agreement that the client enters into with their custodian, grants MeadowBrook the authority to trade on the client’s behalf. MeadowBrook may consult with the client prior to each trade to obtain concurrence if total discretionary authority has not been granted. Voting Client Securities Proxy Votes MeadowBrook’s objectives in voting proxies in accounts where we have proxy authority are: 1) All proxies are voted in the best interests of the shareholders; 2) Proxies are to be voted consistently; 3) Conflicts of interest are handled according to our proxy policy; 4) Proper records of proxy votes are maintained. We do employ an outside proxy consultant to provide advice and record keeping services. MeadowBrook‘s proxy voting policy is available upon request. 12 MeadowBrook Investment Advisors  Financial Information Financial Condition MeadowBrook has no financial commitments or liabilities that would impair our ability to meet contractual commitments to our clients. Information Security Program Information Security Keeping client information secure and confidential is a top priority for all of us at MeadowBrook Investment Advisors. Our relationship with you is our most important asset. We understand that you have entrusted us with your private financial information, and we do everything to maintain that trust. Below is an outline of our practices regarding your personal information. • We collect personal information for our own use in the normal course of business to administer your account(s) and to serve you better. • We protect the confidentiality and security of your personal information. • We maintain safeguards to protect your personal information. • We do not sell your personal information to anyone. • We do not disclose personal information to third parties unless they help us to process or service your transactions or account(s) such as the custodian. We will also, as a courtesy, provide information to your tax accountant and/or attorney upon your request. • We maintain proper cyber security safeguards. If, at any time in the future, regulatory agencies mandate an amendment that is not consistent with this policy, we will notify you in writing. Our commitment to privacy is as important as our commitment to customer service. 13 MeadowBrook Investment Advisors  George F. Abel Brochure Supplement (Part 2B of Form ADV) MeadowBrook Investment Advisors 17199 N. Laurel Park Drive, Suite # 311 Livonia, Michigan 48152 Phone: 734-953-8688 Website: www.meadowbrook-advisors.com EMAIL: rdoyle@meadowbrook-advisors.com This brochure supplement provides information about George F. Abel that supplements the MEADOWBROOK INVESTMENT ADVISORS, LLC brochure. You should have received a copy of that brochure. Please contact Ronald L. Doyle if you did not receive MEADOWBROOK INVESTMENT ADVISORS’ brochure or if you have questions regarding the contents of this supplement. Additional information about George F. Abel is available on the SEC’s website at www.adviserinfo.sec.gov. January 19, 2026 1 MeadowBrook Investment Advisors  Brochure Supplement (Part 2B of Form ADV) George F. Abel Educational Background: • Date of birth: March 18, 1952 • Institutions: Grove City College B.S. Mathematics (1974). Northwestern University M.M. Finance (1976) Business Experience: • MeadowBrook Investment Advisors, LLC – Member (1999 to present) • Formerly Chief Investment Officer – First Chicago NBD Investment Management Company Education and Business Experience MEADOWBROOK INVESTMENT ADVISORS, LLC requires that advisors in its employ have a bachelor's degree and have work experience that demonstrates their aptitude for investment management. Disciplinary Information: We must inform you of all material facts regarding any legal or disciplinary events that would be material to your evaluation of Mr. Abel providing investment advice. Mr. Abel has no information to disclose. Other Business Activities: Mr. Abel is not actively engaged in any other investment related business or occupation, or any other business or occupation that provides a substantial source of his income or involves a substantial amount of his time. Additional Compensation: We must also inform you of additional compensation Mr. Abel may receive for providing advisory services, such as sales awards or other prizes. Mr. Abel does not receive such additional compensation. Supervision: Mr. Abel is supervised by Meadowbrook’s other members. Mr. Abel’s contact information: Phone: 734-953-8688 extn # 1 Email: gabel@meadowbrook-advisors.com 2 MeadowBrook Investment Advisors  Ronald L. Doyle Brochure Supplement (Part 2B of Form ADV) MeadowBrook Investment Advisors 17199 N. Laurel Park Drive, Suite # 311 Livonia, Michigan 48152 Phone: 734-953-8688 Website: www.meadowbrook-advisors.com EMAIL: rdoyle@meadowbrook-advisors.com This brochure supplement provides information about Ronald L. Doyle that supplements the MEADOWBROOK INVESTMENT ADVISORS, LLC brochure. You should have received a copy of that brochure. Please contact Ronald L. Doyle if you did not receive MEADOWBROOK INVESTMENT ADVISORS’ brochure or if you have questions regarding the contents of this supplement. Additional information about Ronald L. Doyle is available on the SEC’s website at www.adviserinfo.sec.gov. January 19,2026 1 MeadowBrook Investment Advisors  Brochure Supplement (Part 2B of Form ADV) Ronald L. Doyle, CFA Educational Background: • Date of birth: November 5, 1957 • Institutions: Michigan State University B.A. Marketing (1979). Michigan State University M.B.A. Finance (1981) Business Experience: • MeadowBrook Investment Advisors – Member (1999 to present) • Formerly Head of Equity Funds Management – First Chicago NBD Investment Management Company Education and Business Experience MEADOWBROOK INVESTMENT ADVISORS, LLC requires that advisors in its employ have a bachelor's degree and have work experience that demonstrates their aptitude for investment management. Disciplinary Information: We must inform you of all material facts regarding any legal or disciplinary events that would be material to your evaluation of Mr. Doyle providing investment advice. Mr. Doyle has no information to disclose. Other Business Activities: Mr. Doyle is not actively engaged in any other investment related business or occupation, or any other business or occupation that provides a substantial source of his income or involves a substantial amount of his time. Additional Compensation: We must also inform you of additional compensation Mr. Doyle may receive for providing advisory services, such as sales awards or other prizes. Mr. Doyle does not receive such additional compensation. Supervision: Mr. Doyle is supervised by Meadowbrook’s other members. Mr. Doyle’s contact information: Phone: 734-953-8688 extn # 4 Email: rdoyle@meadowbrook-advisors.com 2 MeadowBrook Investment Advisors  Robert T. Grabowski Brochure Supplement (Part 2B of Form ADV) MeadowBrook Investment Advisors 17199 N. Laurel Park Drive, Suite # 311 Livonia, Michigan 48152 Phone: 734-953-8688 Website: www.meadowbrook-advisors.com EMAIL: rdoyle@meadowbrook-advisors.com that supplements the MEADOWBROOK This brochure supplement provides information about Robert T. INVESTMENT Grabowski ADVISORS, LLC brochure. You should have received a copy of that brochure. Please contact Ronald L. Doyle if you did not receive MEADOWBROOK INVESTMENT ADVISORS’ brochure or if you have questions regarding the contents of this supplement. Additional information about Robert T. Grabowski is available on the SEC’s website at www.adviserinfo.sec.gov. January 19, 2026 1 MeadowBrook Investment Advisors  Brochure Supplement (Part 2B of Form ADV) Robert T. Grabowski Educational Background: Institutions: Wayne State University B.S. Finance (1981). • Date of birth: August 13, 1952 • Business Experience: • MeadowBrook Investment Advisors – Consultant (July 2020 to present) • MeadowBrook Investment Advisors – Member (1999 to June 2020) • Formerly Head of Municipal Bond/Trading Desk – First Chicago NBD Investment Management Company Education and Business Experience MEADOWBROOK INVESTMENT ADVISORS, LLC requires that advisors in its employ have a bachelor's degree and have work experience that demonstrates their aptitude for investment management. Disciplinary Information: We must inform you of all material facts regarding any legal or disciplinary events that would be material to your evaluation of Mr. Grabowski providing investment advice. Mr. Grabowski has no information to disclose. Other Business Activities: Mr. Grabowski is not actively engaged in any other investment related business or occupation, or any other business or occupation that provides a substantial source of his income or involves a substantial amount of his time. Additional Compensation: We must also inform you of additional compensation Mr. Grabowski may receive for providing advisory services, such as sales awards or other prizes. Mr. Grabowski does not receive such additional compensation. Supervision: Mr. Grabowski is supervised by Meadowbrook’s members. Mr. Grabowski’s contact information: Phone: 734-953-8688 extn # 3 Email: rgrabowski@meadowbrook-advisors.com 2 MeadowBrook Investment Advisors  Dale B. Embry Brochure Supplement (Part 2B of Form ADV) MeadowBrook Investment Advisors 17199 N. Laurel Park Drive, Suite # 311 Livonia, Michigan 48152 Phone: 734-953-8688 Fax: 734-953-9170 Website: www.meadowbrook-advisors.com EMAIL: rdoyle@meadowbrook-advisors.com This brochure supplement provides information about Dale B. Embry that supplements the MEADOWBROOK INVESTMENT ADVISORS, LLC brochure. You should have received a copy of that brochure. Please contact Ronald L. Doyle if you did not receive MEADOWBROOK INVESTMENT ADVISORS’ brochure or if you have questions regarding the contents of this supplement. Additional information about Dale B. Embry is available on the SEC’s website at www.adviserinfo.sec.gov. January 19, 2026 1 MeadowBrook Investment Advisors  Brochure Supplement (Part 2B of Form ADV) Dale B. Embry Educational Background: • Date of birth: November 30, 1958 • Institutions: Oberlin College A.B. Economics (1981). University of Detroit M.B.A. Finance (1986) Business Experience: • MeadowBrook Investment Advisors – Member (1999 to present) • Formerly Managing Director, National Institutional Investment Group – First Chicago NBD Investment Management Company Education and Business Experience MEADOWBROOK INVESTMENT ADVISORS, LLC (“MeadowBrook) requires that advisors in its employ have a bachelor's degree and have work experience that demonstrates their aptitude for investment management. Disciplinary Information: In July 2017, MeadowBrook received an inquiry from the State of Michigan, Department of Licensing and Regulatory Affairs, Corporations, Securities and Commercial Licensing Bureau (the “Bureau”) asking why Dale B. Embry was not registered as investment adviser representatives in compliance with a law that went into effect in 2009. After a thorough review, MeadowBrook determined that Mr. Embry was indeed acting as an investment adviser representative for MeadowBrook and needed to be registered in compliance with the Michigan Uniform Securities Act. MeadowBrook and Mr. Embry promptly began the registration process and Mr. Embry became registered as an investment adviser representative with the State of Michigan on December 5, 2017. On November 27, 2017, the Bureau issued separate final orders to MeadowBrook and Mr. Embry. The order with respect to Mr. Embry was limited to the failure of MeadowBrook to alert Mr. Embry of his obligation to register as an investment adviser representative in the State of Michigan. The order with respect to MeadowBrook involved Mr. Embry’s lack of registration as an investment adviser representative. In complying with State of Michigan requirements on investment adviser representative registration, MeadowBrook made a mistake involving Mr. Embry. Historically, the State of Michigan did not require the registration and licensing of investment adviser representatives. When that changed in 2009, regrettably 2 MeadowBrook Investment Advisors  MeadowBrook was unaware of it. As a result of MeadowBrook’s mistake, the Bureau imposed a civil fine of $10,000.00 against Mr. Embry as an individual and $10,000.00 against MeadowBrook as a firm. MeadowBrook has paid both of these fines. MeadowBrook has always prided itself on acting with integrity, honesty and in clients’ best interests. Clearly we made a mistake in being unaware of the change in the law but are committed to quickly addressing and correcting this deficiency and putting in place procedures so that it will never happen again Other Business Activities: Mr. Embry is not actively engaged in any other investment related business or occupation, or any other business or occupation that provides a substantial source of his income or involves a substantial amount of his time. Additional Compensation: We must also inform you of additional compensation Mr. Embry may receive for providing advisory services, such as sales awards or other prizes. Mr. Embry does not receive such additional compensation. Supervision: Supervision: Mr. Embry is supervised by Meadowbrook’s other members. . Mr. Embry’s contact information: Phone: 734-953-8688 ext. # 2 Email: dembry@meadowbrook-advisors.com 3 MeadowBrook Investment Advisors