A. About Walden Wealth Partners, LLC Walden Wealth Partners LLC is an independent Fee-Only financial planning and investment advisory firm based in Beachwood, Ohio, primarily serving individuals and families. Walden also works with fiduciaries, such as trusts, qualified retirement plans, foundations, and businesses. Walden’s mission is to organize clients’ financial matters, provide ongoing management of financial assets, develop wealth building and risk management strategies, and facilitate the implementation of strategies and plans in an efficient and cost-effective manner. Walden Wealth Partners LLC is an Ohio limited liability company and is currently registered with the Securities and Exchange Commission (SEC) as a Registered Investment Advisor. The firm is owned by managing partners, Sarah Hannibal, CFA, CPA (inactive) and Karin Maloney Stifler, CFP®, AIF®. As a Registered Investment Adviser, Walden Wealth Partners is held to the highest standard of client care – the fiduciary standard. As a fiduciary, we always put our clients’ interests first and fully disclose any potential conflict of interest. B. Services We Offer Walden Wealth Partners offers three core services on a fee-only basis:
• Wealth Management: Continuous financial planning and investment management.
• Financial Planning
• Fiduciary Consulting Wealth Management Walden Wealth Partners’ Wealth Management Service constitutes a full-service relationship, which includes continuous financial planning, investment planning, and investment management. Strategic planning and advice is tailored to meet each client’s unique goals, values, needs, investment objectives, and preferences, with careful attention to management of risks, costs, and taxes, and avoidance of conflicts of interest. Specific information about the components of Wealth Management Service is summarized below. Financial Planning The foundation of the Wealth Management Service, Walden Wealth Partners provides initial and continuous financial planning that integrates all aspects of the client’s financial life into one master plan. Clients experience a collaborative and supportive process that prepares them to make informed decisions about their financial life that promote progress towards their life goals. Under the Wealth Management Service, Walden’s “Go ConfidentlyTM” financial planning process is continuous and incorporates goals, financial circumstances, opportunities and risks, income and estate tax laws, and other important factors that can influence plan strategies and outcomes. We work in concert with clients’ professional tax, legal, and insurance advisors in order to facilitate effective and timely implementation of strategies. Financial planning services are generally delivered on a continuous basis as part of an ongoing Wealth Management relationship. However, at our discretion, we may offer Financial Planning Services under a retainer relationship for clients who have the potential to be full wealth management clients in the future. The scope of financial planning services to be provided is based on the client’s unique needs and circumstances, and is mutually agreed and documented in the written service agreement. Please note: Standalone financial planning services do not include continuous, proactive oversight or management of the client’s investment portfolio or financial circumstances. The elements of the financial planning process may include the following:
• Discussions of financial history, goals, values, challenges, preferences, and opportunities.
• Summary and analysis of net worth.
• Cash flow, savings and budgeting.
• Risk exposure review and risk protection planning.
• Debt management and debt repayment planning.
• Investment planning and asset allocation strategy.
• Evaluation of strategies to meet goals such as education, debt reduction, home purchase, charitable giving, and retirement.
• Retirement preparation, readiness, and retirement income planning.
• Contingency planning for long term care needs.
• Career management and employee benefits counsel.
• Income and estate tax planning.
• Charitable giving planning.
• Estate and legacy planning.
• Facilitation of communication about financial issues among family members.
• Personal finance and investment education for immediate family members.
• Communication and collaboration with the client’s tax, legal, insurance, and other advisors, as needed, and with the advance authorization of the client. Investment Planning and Management: Included in the Wealth Management Service, Walden Wealth Partners provides investment planning and management services to meet each client’s unique life goals and investment objectives. The investment planning process incorporates rigorous analysis to construct portfolios, with recommendations on asset allocation strategy and specific no load (no commission) mutual funds, exchange traded funds and customized municipal bond portfolios. The process for designing the investment strategy is collaborative and educational and involves the client directly in decision making. Top consideration is given to the client’s goals and priorities, investment philosophy, preferences, financial plan, risk capacity, risk tolerance, tax position, and if applicable, the menu of investment options in qualified retirement and 529 college savings plans.
• Central focus is on each client’s goals and objectives, as integrated with their financial plan.
• The process involves collaborative investment education and decision-making, resulting in a client-approved investment strategy.

• The client-approved strategy provides the basis for ongoing implementation and oversight of the investments.
• After constructing and implementing the investment portfolio, Walden Wealth Partners provides continuous supervision and re-balancing as changes in market conditions and client circumstances may require.
• We initiate ongoing communication and regular review of the plan to ensure appropriateness of strategy relative to goals and financial circumstances. Walden Wealth Partners provides investment management services mainly on a discretionary basis according to the investment strategy approved by the client. Clients may require any reasonable restrictions on Walden Wealth’s discretionary authority, including restrictions on the types of securities in which we may invest client’s assets. Accordingly, clients authorize Walden Wealth Partners to perform various functions proactively on their behalf, such as rebalancing and determining securities to be purchased or sold and in what amounts. Walden Wealth Partners may enter into non-discretionary investment relationships, in which clients approve recommended investment strategy, and also must respond to recommended changes before the advisor can implement the changes. Under this relationship, a client must respond on a timely basis, or otherwise risk the consequences of delayed decision-making and implementation. Managed Account Programs through Co-Advisor and Sub Advisor Relationships As part of our comprehensive investment planning and management, Walden Wealth Partners may recommend clients consider managed account programs offered by a third-party advisor, under a subadvisor or co-advisor relationship wherein clients’ assets are allocated to appropriate asset classes in line with their risk tolerance. This may require that clients sign a separate agreement with the third-party investment advisor. In addition, clients will receive the disclosure documents of the third-party advisor. The programs and fees will be described in detail in their Form ADV, Part 2A. Walden Wealth Partners will continue to review and supervise the investments made by a third-party investment advisor if engaged by the client. Fiduciary Consulting Services: Walden Wealth Partners provides fiduciary consulting services, as defined in Section 3(21) of ERISA, serving persons and entities operating in a fiduciary capacity, such as retirement plan sponsors, trustees, charitable and for-profit business entities. We establish, oversee, and document fiduciary best practices, processes, and procedures in order to support the fulfillment of individual and corporate fiduciaries’ duties and responsibilities. Fiduciary engagements may include but are not limited to: investment asset allocation and management, investment performance and fee benchmarking, investment review, investment menu design, qualified investment default option, investment policy statement, participant education and guidance, plan design, recordkeeping and process flows, and liability protection. C. Client-Tailored Services and Client-Imposed Restrictions Walden Wealth Partners tailors its services to the individual needs of each client. As described in Item 4. B. “Services We Offer”, Walden Wealth Partners provides financial and investment planning advice and management that are tailored to each client’s unique goals, values, and financial circumstances. We respect and honor clients’ reasonable restrictions and preferences within both the financial and investment plans and will communicate if we believe they are harmful to the client’s financial wellbeing. D. Wrap Fee Programs Walden Wealth Partners does not participate in wrap fee programs E. Client Assets Under Management and Advisement As of March15, 2024, Walden Wealth Partners Assets Under Management (AUM) totaled $332.97 Million, of which $323.57 Million is managed on a discretionary basis and $9.4 Million is managed on a non-discretionary basis. Assets Under Advisement (AUA) totaled $91.03 Million. Combined Assets Under Management (AUM) and Assets Under Advisement (AUA) totaled $424.0 Million as of March15, 2024. F. Miscellaneous Considerations 1. Referrals to Other Professionals Walden Wealth Partners assists with implementation of recommendations pertaining to estate, tax, insurance, investments, etc., but may not serve as an attorney, accountant, or insurance agent. We may recommend the services of other professionals, such as attorney, accountant/CPA, insurance agent, etc. as part of the implementation of the client’s financial plan. The client is under no obligation to engage the services of any such recommended professional. Should a client engage any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. 2. Client Obligations The client has an ongoing responsibility to provide current information on goals and financial circumstances to the advisor. In performing its services, Walden Wealth Partners is not required to verify information received from the client or the client’s professional advisors. Prompt notification of changes in goals and financial circumstances by the client allow us to re-evaluate and possibly amend financial and investment plans and strategies accordingly to remain relevant and prudent. 3. Risk Management Different types of financial instruments involve varying degrees of risk, and it cannot be assumed that future performance of any specific investment or investment strategy recommended by Walden Wealth Partners will be profitable or equal to any specific performance level.