Firm Description Mariaca Wealth Management, LLC. (“MWM”) was founded in 2010. MWM is a fee-based investment management firm. An evaluation of each Client's initial situation is provided to the Client, often in the form of a net worth statement, risk analysis or similar document. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the Client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, tax preparers, insurance agents, etc.) are engaged directly by the Client on an as-needed basis and may charge fees of their own. Conflicts of interest will be disclosed to the Client in the event they should occur. Types of Advisory Services ASSET MANAGEMENT MWM is in the business of managing investment portfolios for our Clients. MWM provides investment management services to Clients using model asset allocation portfolios. Each model portfolio is designed to meet a particular investment goal. After reviewing a Client's financial situation and investment goals, we identify one of several proprietary model portfolios appropriate for the Client. We then modify this model portfolio, as needed, to address specific needs or restrictions of the Client. In this regard, we seek to build well-balanced and globally diversified portfolios based on academic research with the goal of providing Clients with excellent risk-adjusted returns. During our data-gathering process, we determine the Client's individual objectives, time horizons, risk tolerance, and liquidity needs. We may also review and discuss a Client's prior investment history, as well as family composition and background. Through these personal discussions in which goals and objectives based on a Client's particular circumstances are established, we develop a Client's personal investment policy or investment plan and create and manage a portfolio based on that policy or plan. MWM provides continuous advice to a Client regarding the investment of Client funds, holdings and the overall allocation strategy based on the individual needs of the Client. Please see Item 8 for complete descriptions of our model portfolios. We manage Client investments on a discretionary basis only. For these accounts, we will implement transactions without seeking prior Client consent. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Our investment recommendations are not limited to any specific product or service offered by a broker dealer or insurance company and Client portfolios will generally include "no- load" or "load-waived" mutual funds and exchange traded funds (ETFs). We frequently invest Clients in mutual funds offered by Dimensional Fund Advisors (DFA). DFA- sponsored mutual funds follow a passive asset class investment philosophy with low holdings turnover. Consequently, the DFA fund fees are generally lower than fees and expenses charged by other types of funds. Although not part of our overall investment strategy, Client portfolios may also include some individual equity and fixed income securities. When deemed appropriate for the Client, MWM may hire Sub-Advisors to manage all or a portion of the assets in the Client account. MWM has full discretion to hire and fire Sub- Advisors as we deem suitable. Sub-Advisors will maintain the models or investment strategies agreed upon between Sub-Advisor and MWM. Sub-Advisors execute trades on behalf of MWM in Client accounts. MWM will be responsible for the overall direct relationship with the Client. MWM retains the authority to terminate the Sub-Advisor relationship at MWM’s discretion. In addition to managing your assets, we may also provide specific financial consulting advice to Clients, at no additional charge, in the following areas:
• Retirement and income planning: We analyze current strategies and investment plans to help the Client achieve his or her retirement goals. We analyze the Client's income tax and spending and planning for past, current and future years; then illustrate the impact of various investments on the Client's current income tax and future tax liability.
• Education funding for children and grandchildren: We analyze the Client's income and develop a strategy of saving and investing to plan for college expenses and loan repayments.
• Current investment review and analysis: We analyze investment alternatives and their effect on the Client's portfolio.
• Insurance coverage review and needs analysis: We review existing policies to ensure proper coverage for life, health, disability, long-term care, liability, umbrella, home and automobile.
• Charitable gift planning: We will discuss with the Client their charitable needs and wishes to determine which organizations and causes matter to the Client while analyzing income streams and valuable tax benefits. We

will work collaboratively with the Client's legal and tax professionals to implement the Client's charitable gift plan.
• Legacy planning review and development: We assist the Client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, review estate tax, powers of attorney, and asset protection plans. RETIREMENT PLAN SERVICES MWM provides service to qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit-sharing plans, cash balance plans, and deferred compensation plans. MWM may act as a 3(21) advisor: Limited Scope ERISA 3(21) Fiduciary. MWM may serve as a limited scope ERISA 3(21) fiduciary that can advise, help and assist plan sponsors with their investment decisions on a non-discretionary basis. As an investment advisor MWM has a fiduciary duty to act in the best interest of the Client. The plan sponsor is still ultimately responsible for the decisions made in their plan, though using MWM can help the plan sponsor delegate liability by following a diligent process. 1. Fiduciary Services are:
• Provide non-discretionary investment advice to the Client about asset classes and investment alternatives available for the Plan in accordance with the Plan’s investment policies and objectives. Client will make the final decision regarding the initial selection, retention, removal and addition of investment options. MWM acknowledges that it is a fiduciary as defined in ERISA section 3 (21) (A) (ii).
• Assist the Client in the development of an investment policy statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the IPS.
• Provide non-discretionary investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility to provide all notices to the Plan participants required under ERISA Section 404(c) (5) and 404(a)-5.
• Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformance to the guidelines set forth in the IPS and make recommendations to maintain, remove or replace investment options.
• Meet with Client on a periodic basis to discuss the reports and the investment recommendations. 2. Non-fiduciary Services are:
• Assist in the education of Plan participants about general investment information and the investment alternatives available to them under the Plan. Client understands MWM’s assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). As such, MWM is not providing fiduciary advice as defined by ERISA 3(21)(A)(ii) to the Plan participants. Advisor will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan.
• Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding by the employees. MWM may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between Advisor and Client. 3. MWM has no responsibility to provide services related to the following types of assets (“Excluded Assets”):
• Employer securities;
• Real estate (except for real estate funds or publicly traded REITs);
• Stock brokerage accounts or mutual fund windows;
• Participant loans;
• Non-publicly traded partnership interests;
• Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or
• Other hard-to-value or illiquid securities or property. Excluded Assets will not be included in calculation of Fees paid to MWM on the Retirement Plan Agreement. Specific services will be outlined in detail to each plan in the 408(b)2 disclosure. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written Client consent. Wrap Fee Programs MWM does not sponsor any wrap fee programs. Client Assets under Management MWM has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $197,190,682 $0 May 9, 2024