INTRODUCTION Avondale Wealth Management, LLC (hereafter “Avondale”), is a fee-based investment adviser that offers the following types of advisory services: Financial Planning and Portfolio Management Services. Avondale was incorporated in 2010. Avondale operates under a DBA, Avondale Wealth Advisors. The experience, education, and background of its principals and investment adviser representatives (hereafter “IA Reps”) can be found in the accompanying Brochure Supplement document. Avondale’s principal owner is Justin C. Jacobs, CEO and Founder (hereafter “Jacobs”). INITIAL CONSULTATION Avondale will typically begin by providing the Client a free initial consultation. Avondale uses the initial consultation to:
• Introduce the Client to Avondale and its services;
• Gather information about the Client’s investment and financial objectives, financial condition, and risk tolerance, which Avondale uses in forming its investment advice; and
• Deliver Company Brochure (ADV2), Form CRS, and Privacy Policy The consultation must be completed before Avondale will make any specific recommendations about the Client’s asset allocation or securities to buy or sell. Prior to establishing a Client’s account, the Client will sign Avondale’s Financial Planning and Portfolio Management Agreement, which serves as the contract between the Client and Avondale, specifying the precise nature of services to be rendered by Avondale and fees to be paid by the Client. FINANCIAL PLANNING AND PORTFOLIO MANAGEMENT SERVICES The core of every client relationship is Financial Planning. Avondale makes available ad hoc Financial Planning consultations by phone, video conference, and in person for client households. In addition, Avondale currently offers access to eMoney, web-based Financial Planning software for each client household. The Financial Planning consultations can include but are not limited to: overall asset allocation, securities recommendations, insurance needs, mortgage planning, retirement planning, college planning, trust & estate planning, savings, budgeting, and tax planning. Avondale primarily manages Client accounts on a discretionary basis. For discretionary accounts, Avondale will evaluate the Client’s financial condition and risk tolerance in order to tailor its securities recommendations to meet the Client’s investment objectives and individual needs. On rare occasions, Avondale will allow the Client to impose restrictions or parameters on investing in certain securities or types of securities. For discretionary accounts, Avondale will manage them inside of one of five models, unless otherwise agreed. Avondale refers to their models as MAPs (Multi Asset Portfolios). The four models are Conservative, Balanced, Growth, and Aggressive. Each model has a ”tax sensitive” version for non-qualified accounts with holdings in excess of $50,000.00. As well, Avondale manages condensed versions of the five models for accounts opened under $50,000 in value. If any of these accounts grow over the $50,000 threshold through deposits or market movement, Avondale will transition the accounts to the standard models on a discretionary basis. Avondale will manage money actively and dynamically utilizing primarily: mutual funds, exchange- traded funds (ETFs), and exchange listed stocks. However, in rare instances, Avondale may invest in Page 5 of 19 AVONDALE WEALTH ADVISORS individual bonds, closed-end funds, stock options, annuities, alternative investments, hedge funds, or private placements. Given that the market will affect the value of these securities, Avondale will provide ongoing monitoring of client accounts. Avondale offers a “Non-Mutual Fund” version of each model portfolio to all clients. This option is for non-US citizens or US citizens living abroad due to the restraints placed by the Custodian on investing in US based mutual funds. Avondale offers an “Indexed Benchmark” version of each model portfolio to all clients. These models will be indexed to the specific benchmarks using exchange-traded funds (ETFs) and will be rebalanced on a

discretionary basis. Avondale offers their EPOCH service to clients who establish a portfolio of $10,000,000 in discretionary assets under management at Avondale. The EPOCH service is an amplified version of the Financial Planning and Portfolio Management Services that Avondale provides to all clients. In certain circumstances, Avondale can provide to client standalone Financial Planning in the form of a one-time financial plan. Avondale does not provide any “wrap programs” (programs that bundle brokerage and advisory services under a single comprehensive fee) so all securities recommended by Avondale includes additional transaction charges by the Client’s broker-dealer/custodian separate from Avondale’s advisory fees. DISCRETIONARY PORTFOLIO MANAGEMENT For discretionary accounts, the Client will grant Avondale limited trading authority (discretionary authority) in the Client’s brokerage account by executing the appropriate documents with the Client’s broker-dealer/custodian. The discretionary authority will allow Avondale to enter securities transactions on the Client’s behalf, determining which securities and the amount of securities to buy or sell. Clients will be notified of all transactions by trade confirmations from their broker-dealer/custodian and through communication with Avondale. Clients will provide written authorization to allow Avondale to automatically deduct its advisory fee from the Client’s account (discussed at greater length in the “FEES AND COMPENSATION” section of this Disclosure Brochure) by signing Avondale’s Financial Planning and Portfolio Management Agreement; however, Avondale will not have the authority to make any other withdrawals from the Client’s account(s) under management. As of December 31. 2023, Avondale manages $215,496,090 in discretionary assets and $34,882,806 in non-discretionary assets for a total of $250,378,896. Avondale recommends the Client grant discretionary authority to Avondale so that it may execute recommendations in a timely fashion, but Clients should always review their brokerage account statements to verify the trading activity and withdrawals that occur in their account(s). NON-DISCRETIONARY PORTFOLIO MANAGEMENT For certain accounts, Avondale may offer its services on a non-discretionary basis. For non-discretionary accounts, Avondale will take instructions directly from a Client in writing so that the Client may make investment decisions at their own discretion. Since Avondale will recommend all Clients grant it discretionary authority where active money management is advised, Avondale anticipates very little of its Portfolio Management Services to be rendered on a non-discretionary basis. Page 6 of 19 AVONDALE WEALTH ADVISORS Since Avondale merely takes written instructions for securities transactions in non-discretionary accounts, Clients should take measures to ensure that their instructions are executed in a timely fashion and should review their account(s) to ensure that transactions were entered properly. When Avondale provides investment advice to you regarding your retirement plan account or individual retirement account, Avondale is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way Avondale earns revenue creates some conflicts with your interests, so Avondale operates under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, Avondale must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest.