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Administrative Assistant Linda Cummings Administrative Assistant Alcester office 101 W 2nd St, Suite 200 PO box 257 Alcester, SD 57001 Phone: 605-934-1848 Send an Email SERVICES INDUSTRIES ABOUT ME EDUCATION 1972 Graduate with BA in EDUCATION from Augustana College (now University) Sioux Falls SD CERTIFICATIONS & LICENSURES ASSOCIATIONS & COMMUNITY INVOLVEMENT Alcester Chamber of Commerce Committee Member - plan various activities during the year. Holiday Craft Show on Saturday before Thanksgiving - worked in food booth and Christmas Tree Lighting on Friday after Thanksgiving - gave out FREE cookies and hot chocolate in booth during sleigh rides and Santa's visit. Other activities as able within my work schedule. Q&A WITH THE TEAM What do you do and how do you make an impact for others? Working with the Chamber encourages youth to volunteer along with having fun in their community. Activities are well attended by families. It is GREAT to see kids smile! What are your hobbies? I love Flower gardening - I enjoy being outside. What advice do you have for prospective employees of ELO? Do your best, be open to challenges, and above all, enjoy what you do. What have you gained from working at ELO? Learning is a life long journey - learn something new everyday. Work smarter than harder. What are three words to describe ELO? Making a difference. What is your favorite sport and/or favorite team to watch? Football - don't have any special team - usually cheer for the underdog. What's on your bucket list? I would like to take a trip anywhere on AMTRAK. What places have you lived? Beresford, SD Sioux Falls, SD Veblen, SD Aberdeen, SD What is one place in the world you would love to visit? If I could visit anywhere, I would visit Alaska. What's the one thing in life you could not live without? My morning coffee is something I cannot live without.

ELO provides the highest-level of professional accounting and business consulting services with expertise in a variety of industries. Click here to access your tax organizer documents. SERVICES Experienced, knowledgeable & the right resources to serve you. ELO provides the highest-level of professional business services with expertise in a variety of industries. We work hard to understand you and your company’s goals, challenges and opportunities to deliver creative solutions, solid financial management and planning guidance to help you find the success you seek. VIEW ALL SERVICES OUR SERVICES At ELO CPAs & Advisors, our goal is to help our clients manage the ever-changing business world. Our business consulting, tax, and audit assurance practices are led by homegrown CPAs with decades of experience in all areas of tax, audit, and business consulting. Our Outsourced & Advisory Services practice covers a variety of finance and accounting support needs ranging from accounting and payroll sources to outsourced CFO & Controller services. ELO also has a Wealth Management practice backed by the services of RIA Advisory Group and led by a practice leader with decades of experience. ELO has a full range of services to help you with everything you need to be successful in business and in life. BUSINESS CONSULTING M&A Services & Due Diligence Succession & Exit Planning Strategic Planning & Advisory Board Services Risk Management CLIENT ACCOUNTING SERVICES Individual Business Accounting CFO & Controller Services QuickBooks Training & Support Payroll Services & Compliance BUSINESS TAX Business Tax Agri-Business Tax Individual Tax Tax Credits & Incentives Estate & Trusts Sales & Use Tax AUDIT & ASSURANCE Full-Scale Reviews Agreed Upon Procedures Financial Statement Employee Benefit Plan Gov't/School District HUD and Affordable Housing Peer Review WEALTH MANAGEMENT 401k Planning Individual Investing Retirement Planning Insurance Review HOW CAN WE HELP YOU? EXPERT TALK TO AN EXPERT We invite you to schedule a consultation with us to see how our approach to your needs can make a significantly positive impact for your business’s performance. CONTACT US

Call us today to speak to ELO’s team of hospitality industry experts about our accountancy and financial services so you can better serve your customers. Click here to access your tax organizer documents. HOSPITALITY Providing the comfort and service you and your business need. ELO CPAs & Advisors is fully equipped to provide a full suite of business services (consulting, tax, audit & client accounting services) to hotels, restaurants, and entertainment venues. Our client base includes many local, state, regional and national small business owners and management groups. We take great pride in advising and supporting our clients on various industry specific issues as well as the broader needs of the hospitality industry. The hospitality industry is highly competitive and cyclical in nature especially in these current unstable times. You need the right business services advisor to make the most of your investment and opportunity. Because we strive to be your trusted advisor, we expand our focus beyond your every day needs. We assist our hospitality clients in growing their businesses. We work with a variety of hospitality entities including: Motels and Hotels Bed and Breakfast Hunting Lodges Restaurants Management Companies Resorts Our depth of knowledge and breadth of experience comes from both sides of the table - industry and public accounting & advisory experience. We have the knowledge, the experience and the resources to help you reach your goals. TALK TO AN EXPERT OUR SERVICES Performances & Profitability Cost analysis Cash flow analysis Full operational analysis Strategy & Management Strategic planning Estate planning M&A consulting Succession planning and exit alternatives Business valuations Tax Planning & Preparation Tax preparation for owners Business tax preparation Tax strategy, planning and research Entity structure analysis Tax credits and incentives Cost segregation studies and related services State sales and use tax Compliance & Assurance Financial statement services – audits, reviews, compilations Multi-state tax compliance Employee benefit plan audits Agreed upon procedures Client Accounting Services & Other Outsources Services Outsourced accounting and bookkeeping Payroll Accounting consulting and support for QuickBooks Accounting software recommendations and support How to calculate a break even point for a hotel? With experience that is wide-ranging in a variety of hotel types and locations, ELO can support you in your current operations or when evaluating opportunities to purchase or start a hospitality business. What deductions and credits are available for new construction? Tax credits are good to investigate before building. For example, a tax credit for geothermal may just make it worth installing as it may save enough by the credit and energy savings to pay for the efficiencies. However, energy type credits are continuously changing so you need to check ahead on which ones are in place. FREQUENTLY ASKED QUESTIONS

Whitney Olinger Senior Associate | Tax Mitchell Office Send an Email 1820 N Sanborn Blvd PO Box 249 Mitchell, SD 57301 Phone: 605-996-7717 Fax: 605-996-4091 SERVICES Agribusiness Taxation Taxation Non-Profit Taxation Employee Benefit Plan Audits INDUSTRIES Agribusiness Manufacturing Non-Profit Organizations ABOUT As a Senior Tax Associate, Whitney Olinger assists in the taxation and client accounting services practices along with audit & attestation work. She provides financial statement reporting services to clients and prepares tax return filings for both entity and individual clients. EDUCATION B.A., Accounting with minor in Behavioral Science – Dakota Wesleyan University, Mitchell, SD ASSOCIATIONS & COMMUNITY INVOLVEMENT United Way Day of Caring Volunteer Mitchell Area Safehouse Board Member

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Grow, preserve, and protect your wealth with expert advice from ELO CPAs & Advisors. We offer comprehensive planning and a wide variety of financial services to assist you in reaching your financial goals and retirement expectations. Click here to access your tax organizer documents. WEALTH MANAGEMENT Personal attention by committed investment professionals. Grow, preserve, and protect your wealth with expert advice from ELO CPAs & Advisors. We offer comprehensive planning and a wide variety of financial services to assist you in reaching your financial goals and retirement expectations. ELO CPAs & Advisors has partnered with RIA Advisory Group to meet all your wealth management needs. We also provide a key and distinct advantage that you cannot find at any of the well-known financial services companies - we can connect the investment strategy within your financial planning goals directly to your tax planning needs to ensure all tax strategies are utilized. Whether tax-loss harvesting, tax diversification or tax savings, we work to minimize your tax exposure. Why not keep more of your earnings, ELO CPAs & Advisors can help make that a reality. The time is now to call our Wealth Management team to start saving money and taxes. TALK TO AN EXPERT Our Wealth Management Services Include: Asset Management Custom Portfolio Management Separately Managed Accounts Retirement Planning, Estate Planning and insurance Planning Small Business 401(k) Plans Solo (k), SEP & SIMPLE Tradtional and ROTH plans 529 Plans Advisory/Brokerage Services Individual Securities Exchange Traded Funds (ETFs) Mutual Funds CDs/Bonds No load, no surrender low-cost variable annuities Advisory services offered through RIA Advisory Group LLC, A Registered Investment Advisor. What do I invest in during these uncertain times? This is not only a common question but a difficult one to blanketly answer. There is much more here to consider. First of all, until you have all the facts, stay the course. Even though your portfolio has decreased in value, you haven’t necessarily lost out until or unless you actually cash in the investment. Markets will vary over time and they will fluctuate even more during extreme times. However, if you look over history, they rebound with more certain times. What we should do is use this time to gather all the information and determine what we have and what we need to get to where we want. This varies by age, employment status, resources and future plans (what we want retirement to look like). Similar to when you map out a road trip, we need to map out our own future. Financial planning is a must to ensure you get to your destination. Should I cash in my retirement plan? Of course, this is a personal question to each situation, but overall, it should be used as a last resort for various reasons. If you are under 59 1/2, there will a 10% penalty along with income tax on the distribution. If you are over 59 ½, there is no penalty but there is income tax. If you are on social security, it can likely cause more of your social security to be taxable if you take a large distribution. Outside of the taxability, there are other reasons to avoid cashing in a retirement plan. Generally speaking, once the retirement plan is cashed, it is often not reinvested for and kept for the future as it was originally intended. It is often cashed to spend on current needs or wants. Therefore, leaving less available during retirement years. Retirement funds earn tax free, so the earnings are important to help the fund grow and be available for retirement. I don’t trust the stock market. This is more of a statement than a question but it needs to be considered as part of an overall plan. Interest rates are not keeping up with inflation so the risk needs to be calculated. There are many different stock, bonds or funds to invest in. Your personal risk tolerance is a large factor in what is right for you. Diversification is also important. There is a lot of truth in “don’t put all your eggs in the same basket”. How can ELO help with my financial investments? ELO has partnered with an affiliate to help our clients get the financial advice and guidance they need. It is a partnership so we can help with the overall life financial plan and help work through what is best for each individual. How much should I put into my employer’s retirement plan? First and foremost be sure to put into the retirement plan what it takes to get the employer match. If your employer matches up to 3%, then be sure to put in 3%. If you make a practice of increasing the percentage amount into retirement each year as you get annual increases, you will be putting away for retirement without missing the income. Be sure to pay attention to the rules and regulations of the retirement account along with periodic review of how it is invested. FREQUENTLY ASKED QUESTIONS

We work every day to provide expert knowledge and unmatched service to best serve our client's business, accounting, tax, audit, and wealth management needs. Matthew Buenzow, CPA Partner | Practice Leader, Tax Mitchell Office 1820 N Sanborn Blvd, PO Box 249 Mitchell, SD 57301 Phone: 605-996-7717 Fax: 605-996-4091 Email Matthew SERVICES Corporate & Partnership Accounting & Taxation Audits of Employee Benefit Plans Small Business Accounting Systems INDUSTRIES Construction Real Estate ABOUT MATTHEW As a Partner and one of the leaders of our Tax practice, Matt Buenzow oversees the individual and business/entity tax area for the Mitchell, Huron, Miller & Chamberlain offices. In addition, Matt manages the firm’s internal IT and works diligently to keep ELO on the leading edge of technology. He works primarily with small and medium sized businesses to help them succeed by providing industry expertise and business planning strategies, as well as assisting them with their tax, accounting, and financial statement needs. Education B.S., Accounting, Arts Management – University of South Dakota, Vermillion, SD Certifications and Licensures Certified Public Accountant (CPA) "I enjoy being a valuable part of a team." Music was my first love, and I have enjoyed playing since an early age. I carried a double major in college with music and accounting, which is not a combination you find very often. I’ve always felt being able to engage both sides of the brain gives me a slightly different perspective to situations our clients face. I also enjoy being a valuable part of a team – like the El Riad Shrine Big Band. ASSOCIATIONS & COMMUNITY INVOLVEMENT South Dakota Certified Public Accountants (SDCPA) American Institute of Certified Public Accountants (AICPA) Construction Financial Management Association, Siouxland Chapter Corn Palace Shrine Club, Treasurer Mitchell Resurgam Lodge #31, Treasurer & Past Master Mitchell First United Methodist Church, Finance Committee

We work every day to provide expert knowledge and unmatched service to best serve our client's business, accounting, tax, audit, and wealth management needs. Jay Tolsma, CPA Senior Partner Mitchell Office 1820 N Sanborn Blvd, PO Box 249 Mitchell, SD 57301 Phone: 605-996-7717 Fax: 605-996-4091 Cell: 605.999.7722 Email Jay SERVICES Assurance Services Peer Review Business Planning, Reporting and Taxation Financial Reporting Systems Design and Review INDUSTRIES State & Local Government Non-Profits Manufacturing ABOUT JAY As Senior Partner, Jay Tolsma is our technical leader. He provides technical and quality support to our entire firm, while providing clients a broad spectrum of services in a host of different industries. In Jay's more than 30 year public accounting career he has helped hundreds of business owners reach their goals. Education B.A., Business Administration, Accounting – Northwestern College, Orange City, IA Certifications and Licensures Certified Public Accountant (CPA) "It has been my passion for years." I love to coach basketball because you must use the strengths of individuals to build the strongest teams. You learn to overcome hardships and difficulties each and every day to become stronger in the future. You also realize when you have a commitment to excellence and developing your individual skills, you can maximize your potential and that of the team. I enjoy working with different personalities and try to understand what motivates them to help maximize their success. As a CPA, it is no different, it has been my passion for years to take those skills in coaching to help my clients and my colleagues to become better versions of themselves in the future. ASSOCIATIONS & COMMUNITY INVOLVEMENT South Dakota Certified Public Accountants (SDCPA), former President and Board Member American Institute of Certified Public Accountants (AICPA), former AICPA Council Representative SD Board of Accountancy, Member NASBA – Peer Review Compliance Committee Member Avera Queen Peace – Vice Chair of Board Former Assistant Boys Basketball Coach, Mitchell Christian School Former President and Board Member – Mitchell Area Charitable Foundation, Avera Queen of Peace Foundation and Mitchell Christian Education Association

Christina Howe Associate | Client Accounting Services Yankton Office Send an Email 118 W 3rd St Yankton, SD 57078 Phone: 605-665-6007 Fax: 605-665-6008 SERVICES Client Accounting Services INDUSTRIES Retail Sector Non-Profit Organizations Agribusiness Manufacturing ABOUT As an Associate in our Client Accounting Services practice, Christina Howe provides full service client accounting services including general accounting services, payroll processing and quarterly/year-end financial reporting. EDUCATION B.S., Marketing - Arizona State University, Tempe, AZ ASSOCIATIONS & COMMUNITY INVOLVEMENT Calvary Baptist Church, Volunteer for Children's Ministries Yankton Youth Baseball, Volunteer Yankton Youth Wrestling, Volunteer

We work every day to provide expert knowledge and unmatched service to best serve our client's business, accounting, tax, audit, and wealth management needs. Billie Henderson, CPA Partner Emeritus Yankton Office 118 W 3rd St Yankton, SD 57078 Phone: 605-665-6007 Fax: 605-665-6008 Email Billie SERVICES Day-to-Day Accounting Services Controllership Services Consulting Individual Taxation INDUSTRIES Agriculture Construction Non-Profits Retail Wholesale Restaurant ABOUT BILLIE As a CPA, Billie Henderson provides financial services and consulting for ELO clients and ensures that clients’ needs are met in the Yankton office. Her duties and responsibilities include preparing and reviewing the financial statements of clients in various industries, guiding and advising clients through various business strategies and organizing accounting systems. Education B.S., Accounting – Fort Hays Kansas State University, Hays, KS Certifications and Licensures Certified Public Accountant (CPA) Licensed with South Dakota Board of Accountancy ASSOCIATIONS & COMMUNITY INVOLVEMENT South Dakota Certified Public Accountants (SDCPA) American Institute of Certified Public Accountants (AICPA) Interchange Club, Past President

We provide a thoughtful approach and strategic advice for medical and health services. Click here to access your tax organizer documents. MEDICAL & HEALTH SERVICES Providing the care you and your business need. The right partner is always a difference-maker. ELO CPAs & Advisors can provide experience, knowledge and resources to aid executives, owners and doctors across multiple medical and health services platforms, including but not limited to, hospitals, medical clinics, dental practices, optometry clinics, physical therapists, chiropractic centers and more. We can provide the full portfolio of business services to support you from an ownership, operational and financial perspective. We work with a variety of medical & health service professionals including: Dental Practices Hospitals Optometry Clinics Chiropractic Centers Physical Therapy Clinics Medical Clinics The medical & health services world is ever-changing and our dedicated team has the strategic insights to help you cope with change, protect your profits and achieve your goals. We can address your complex concerns so you can focus on delivering your patients the highest level of care. TALK TO AN EXPERT OUR SERVICES Performances & Profitability Debt & financing advising Start-up analysis Turnarounds or restructuring Costing and overhead rate analysis Cash flow analysis Budgeting Labor analysis Strategy & Management M&A structuring and closing Industry benchmark analysis Wealth management services Retirement plan design and analysis Succession planning and exit alternatives Tax Planning & Preparation Tax preparation for owners Business tax preparation Tax strategy, planning and research Entity structure analysis Compliance & Assurance Financial statement audits, reviews and compilations Employee benefit plan audits Agreed upon procedures Client Accounting Services & Other Outsources Services Controller & CFO services Outsourced accounting and bookkeeping Payroll Accounting consulting and support for QuickBooks Accounting software recommendations How can we improve our operations? ELO can prepare a benchmark comparison of operating results to evaluate how your results compare to peers in the industry and to rating agencies. In addition, ELO has a consulting division and relationships with other professionals that can provide additional insights and analysis of your billing practices and your operations and provide recommendations to improve your operating results. How can ELO assist me in achieving my personal financial goals? ELO provides wealth management, entity structuring, tax planning and preparation and benefit plan design services that can provide you a comprehensive analysis of your financial picture and develop solutions to assist you in achieving your financial goals. FREQUENTLY ASKED QUESTIONS

We work every day to provide expert knowledge and unmatched service to best serve our client's business, accounting, tax, audit, and wealth management needs. Matt Mueller, CPA Partner | Practice Leader, Tax Sioux Falls Office 6300 S Old Village Pl Sioux Falls, SD 57108 Phone: 605-271-1302 Fax: 605-339-4991 Email Matt SERVICES Compilations, Reviews and Preparations Trust, Business & Non-Profit Taxation Audit - Small Business, Small Non-Profits & Employee Benefit Plans Individual Taxation Tax Planning INDUSTRIES Medical & Health Services Distribution Non-Profit Retail Financial & Insurance Services ABOUT MATT As a Partner and the Office Leader in Sioux Falls, Matt Mueller oversees the individual and business/entity tax area for the Sioux Falls office. Matt has a wide range of experience in not only tax, but also within our audit practice in the areas of small business, employee benefit, and non-profit audits. If you need assistance, Matt can provide you a wide spectrum of assistance to ensure you get the support you need. Education B.S., Accounting – Black Hills State University, Spearfish, SD Master's in Business Services Management – Black Hills State University, Spearfish, SD Certifications and Licensures Certified Public Accountant (CPA) "Family and accountancy are two of my greatest passions." I am either at the office helping my clients with the challenges they face, or I am with my family. I feel having a large family puts into perspective what is important in life, and I bring that to my practice as a CPA. I bring a calm and family focused approach to my work, as I do at home, and feel my clients and colleagues have always appreciated and found success with it. ASSOCIATIONS & COMMUNITY INVOLVEMENT South Dakota Certified Public Accountants (SDCPA) American Institute of Certified Public Accountants (AICPA) Board Member at Bishop O'Gorman Catholic Schools Financial Secretary for Christ the King Knights of Columbus Council #16802 Lay Board Member for Christ the King Church