Bigelow Investment Advisors LLC

Fees and Compensation

                                                                                                Form ADV Part 2A, Item 5

Fees are based on the market value of assets under management. Market values are based on prices
reported by the account custodian on the last business day of each calendar quarter. The fee schedule for the
firm is as follows: 1% on the first $1,000,000 of assets, 0.6% on the next $1,000,000 of assets, 0.5% on the
next $3,000,000 and 0.4% on any assets in excess of the preceding asset amounts. Fees may be offered to
clients at a discount from the firm fee schedule. Some clients are charged fees based on earlier versions of the
fee schedule. There is an account minimum of $500 per quarter, which may be waived by Bigelow in its
discretion. Fees are charged quarterly in advance. Bigelow may change the firm fee schedule for new clients
and existing clients with prior written notice.

Fees for individuals normally are deducted from client’s managed investment accounts. Fees for retirement
accounts or other qualified retirement plans may be billed for services or deducted from the managed accounts.
We expect our clients to pay their invoices for services rendered promptly, but in any event within 30 days.

If a client joins the firm during a calendar quarter, fees will be charged in arrears for those months prior to the
next calendar quarter in which advisory services were provided. If a client terminates an investment advisory
contract during a calendar quarter, fees will be refunded to the client for the portion of the quarter during which
services were not provided. Fee calculations for intra-quarter periods are based on calendar months.

Bigelow clients hold their accounts at one of two discount brokerage firms. Those firms do not charge custody
fees for accounts held under the management of Registered Investment Advisory firms. The custodians do
charge fees or commissions for certain types of trades and some trades are not charged commissions. In
addition, clients who hold mutual funds or exchange traded funds are incurring fees and expenses charged by
the fund companies. These fund expenses are deducted by the fund management companies directly and
reduce the total return to investors. Details about exchange traded or mutual fund expenses and fees are
contained in the fund prospectus.

No one at Bigelow Investment Advisors receives compensation for the sale of securities or other investment
products. Bigelow is not a securities broker or dealer.

Infrequently, the firm offers financial planning services on a flat fee basis that is not tied to assets managed by
the firm. Basic fee for stand-alone financial planning services is billed at $165 per month on a 12-month
contract.

      Bigelow Investment Advisors                                                IARD/CRD No: 143733
      Form ADV Part 2A                                                          SEC File No.: 801- 67875
      Brochure                                                                                02/23/2026

                   Performance-Based Fees and Side-By-Side Management

                                                                                        Form ADV Part 2A, Item 6
Bigelow Investment Advisors does not charge performance-based fees for any client accounts. This item is not
applicable.

       Bigelow Investment Advisors                                                      IARD/CRD No: 143733
       Form ADV Part 2A                                                                SEC File No.: 801- 67875
       Brochure                                                                                      02/23/2026

Types of Clients

                                                                                                 Form ADV Part 2A, Item 7

The firm’s clientele includes individuals, institutions, retirement plans, trusts and estates, non-profit groups, and
small business organizations.

Minimum dollar value of assets for a family or household is $300,000. Clients whose accounts fall below that
level may continue as clients of the firm at Bigelow’s discretion. Clients who expect to add assets to accounts
to achieve the minimum dollar value may be taken on as clients of the firm at the discretion of the firm.

       Bigelow Investment Advisors                                                      IARD/CRD No: 143733
       Form ADV Part 2A                                                                SEC File No.: 801- 67875
       Brochure                                                                                      02/23/2026

                  Methods of Analysis, Investment Strategies and Risk of Loss

                                                                                                 Form ADV Part 2A, Item 8

In formulating investment advice, Bigelow emphasizes the importance of asset allocation and diversification
across multiple asset classes and, in the case of fixed income investments, across multiple maturities. The
investment management process used by Bigelow focuses on long-term objectives. The long-term, diversified
portfolio strategy is implemented using a range of investment vehicles. Bigelow uses individual stocks and
bonds, exchange traded funds, mutual funds, real estate investment trusts and cash equivalents.
The firm does not use frequent trading, trading on margin or market timing strategies.

Bigelow Investment Advisors uses information purchased from investment research services, corporate rating
services, annual reports, prospectuses, financial newspapers and magazines, seminars, conferences and
presentations on investments and portfolio management topics and electronically maintained databases.
Within each asset class, the firm uses a variety of methods of analysis. Bigelow uses fundamental analysis,
which is a method of evaluating the financial statements and operations of a firm. Bigelow also uses technical
analysis, which looks at measures of trading activity such as moving averages or trading volume. In addition,
Bigelow evaluates overall market and economic conditions. Liquidity and potential for growth in client portfolios
are also important factors.

The firm may sell investments from client portfolios for a variety of reasons. Investments may be sold as part of
the process of rebalancing the overall portfolio. A change in the investment outlook, deterioration in the price of
an investment or a dramatic increase in price may prompt a reduction or outright sale of an asset.
Investing in securities involves risk of loss. Bigelow works with clients to understand the risks inherent in any
broadly based investment portfolio.

There are material risks involved in any investment strategy. Some of the risks include the following:
   • the general level of asset prices will decline;
   • the financial condition of the issuers of individual securities may decline;
   • various and unpredictable factors such as inflation, interest rates, economic expansion or contraction,
        global, regional, economic, political or banking crises;
   • lack of liquidity or active trading or other market disruptions;
   • clearing and settlement of transactions may be delayed or disrupted; and
   • fees and commissions for trading may change without notice.

Individual stocks or bonds have more company specific risk than investments in a pool of securities like an
exchange traded fund or a mutual fund. Securities invested in a narrow asset category such as gold or a single
country or economic sector have more risk individually than a combination of investments in a more diversified
portfolio. Bigelow uses individual securities as part of a broader strategy involving the use of a range of assets
to create diversified portfolios for clients.

Primarily, Bigelow does not recommend any particular type of security. Bigelow does not purchase for its
clients the following types of stand-alone investments: initial public offerings (IPO’s), options, futures contracts,
hedge funds, private equity funds, closely held or non-publicly traded equities. Bigelow does invest in mutual
funds and exchange-traded funds that may use these types of investment vehicles.

      Bigelow Investment Advisors                                                 IARD/CRD No: 143733
      Form ADV Part 2A                                                           SEC File No.: 801- 67875
      Brochure                                                                                 02/23/2026