A. Firm Information Clarify Wealth Management, Inc. is an SEC registered investment adviser. The firm was organized by James G. Brandenburgh as a legal entity in January of 2012 while he was acting as a Registered Representative and Investment Advisor Representative of LPL Financial. In 2014, Mr. Brandenburgh registered Clarify Wealth Management, Inc. as an independent investment advisor. James G. Brandenburgh, President/Chief Executive Officer / Chief Compliance Officer - Jim has founded and operated two small businesses. He developed a love for the financial markets while growing his businesses and eventually put his investment strategies to work full time trading for his own accounts. In order to increase his understanding of the world of finance, he pursued and achieved the status of CERTIFIED FINANCIAL PLANNERTM professional. Jim believes his real-world investment experience gives him a deeper understanding of the markets and the risks that exist for investors today. He also believes that our job is to make the complex world of finance simpler and clearer for our clients. Jim’s working career also includes more than a decade in the construction trades. He still enjoys building as a hobby and can be found most weekends with tools in hand, looking for something to build or repair. Thomas Brad Clark, Chief Investment Officer - Brad graduated with a business degree from Miami University in 1981. He has worked in the financial services industry since 1987. His first eight years were spent in the corporate benefit plan arena. Since 1995 he has focused on investment management for individuals and families. As a financial planner specializing in investment management his efforts have been focused on helping clients work toward achieving their life goals through the proper allocation and management of their investment assets. This includes security selection, plan implementation and ongoing portfolio monitoring. Brad is a CERTIFIED FINANCIAL PLANNER™ professional. Brad is married and has two grown children. He is also an avid history buff. Aubrey Ramey, Chief Operations - Aubrey graduated with a Bachelor of Science degree in Accounting from Miami University of Ohio in 1996. She has worked in the financial services industry for over 20 years and is known and respected for strong relationships with clients built on trust and integrity. Aubrey is a CERTIFIED FINANCIAL PLANNER™ professional and completes periodic continuing education in various disciplines related to the financial planning process. Her specialized knowledge of insurance enhances the range of services we offer to our clients. Aubrey’s people skills endear her to our clients, and her ability to simplify the financial planning process makes their experience a pleasant one. Aubrey is married to Brett and they have three sons. She is active in her church and enthusiastically supports the activities of her boys, including school, sports and Boy Scouts. Clarify Wealth Management, Inc. provides fee-based investment advisory services primarily to individual retail clients (up to 75%), individuals, individual retirement accounts (“IRAs”), banks and thrift institutions, pension and profit-sharing plans, including plans subject to Employee Retirement Income Security Act of 1974 (“ERISA”), trusts, estates, charitable organizations, state and municipal government entities, corporations and other business entities as well as high-net worth individuals.
• The firm is compensated based on a percentage of total assets under management. 

• The individuals associated with Clarify Wealth Management, Inc. are appropriately licensed, and authorized to provide advisory services on behalf of Clarify Wealth Management, Inc. Investment Advisor representatives are restricted to providing services and charging fees based on total assets under management in accordance with the descriptions detailed in the account agreement. Advisors are instructed to consider the individual needs of each client when recommending an advisory platform. Investment strategies and recommendations are tailored to the individual needs of each client. The Advisor acts as a fiduciary to Clients, as defined under applicable laws and regulations. As such, each recommendation made as part of the advisory services is based on the belief that the recommendation is in the Client's best interest. Our fiduciary commitment to each Client is further described in our Code of Ethics. For more information regarding our Code of Ethics, please see “Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading.” B. Advisory Services Offered Asset Management Clarify Wealth Management through its investment advisor representatives provides ongoing investment advice and management on assets in the client’s custodial Strategic Wealth Management (SWM) account held at LPL Financial. Strategic Wealth Management is the name of the custodial account offered through LPL to support investment advisory services provided by Clarify Wealth Management to our clients. More specific account information and acknowledgements are further detailed in the account application. Investment advisor representatives provide advice on the purchase and sale of various types of investments, such as mutual funds, exchange-traded funds (“ETFs”), variable annuity subaccounts, real estate investment trusts (“REITs”), equities, and fixed income securities. The advice is tailored to the individual needs of the client based on the investment objective chosen by the client in order to help assist clients in attempting to meet their financial goals. Accounts are reviewed on a regular basis and rebalanced as necessary according to each client’s investment profile. A minimum account value of $10,000 is generally required for the program. In certain instances, Clarify Wealth Management will permit a lower minimum account size. Clarify Wealth Management offers asset management on a discretionary and non-discretionary basis.
• LPL serves as program sponsor, investment advisor and broker/dealer for the LPL advisory programs.
• Clarify Wealth Management, Inc. and LPL may share in the account fee and other fees associated with program accounts. The purchase of an insurance product presents a conflict of interest, as the receipt of commissions provides an incentive to recommend investment products based on commissions received, rather than on a particular client’s need.
• No client is under any obligation to purchase any commission products from investment advisor representative of the firm.
• Clients may purchase investment products recommended by investment advisory representatives through other, non-affiliated broker/dealers or insurance agents.
• Transactions in advisory program accounts are executed through LPL as the broker-dealer. Advisor receives compensation as a result of a client’s participation in an LPL program. Depending on, among other things, the size of the account, changes in its value over time, the ability to negotiate fees or commissions, and the number of transactions, the amount of this compensation may be more or less than what the Advisor would receive if the client participated in other programs, whether through LPL or another sponsor, or paid separately for investment advice, brokerage and other services.
• Neither the firm nor any investment advisor representative are registered or have an application pending to register, as a futures commission merchant, commodity pool operator, a commodity trading advisor, or a representative of the foregoing.
• At no time will Clarify Wealth Management accept or maintain custody of a Client’s funds or securities, except for authorized deduction of the Advisor’s fees. All Client assets will be managed within their designated brokerage account or pension account, pursuant to the Client investment advisory agreement. Please see Item 12. Participant Account Management (Discretionary) Clarify Wealth Management uses a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access

to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, Adviser will review the current account allocations. When deemed necessary, Adviser will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least regularly, and allocation changes will be made as deemed necessary. There is a .25% fee for this service provider that is added to the asset management fee. Financial Planning Services As part of our financial planning services, Clarify Wealth Management, through its investment advisor representatives, provides personal financial planning tailored to the individual needs of the client. These services include, as selected by the client on the financial planning agreement, information and recommendations regarding tax planning, investment planning, retirement planning, estate needs, business needs, education planning, life and disability insurance needs, long-term care needs and cash flow/budget planning. The services take into account information collected from the client such as financial status, investment objectives and tax status, among other data. The financial plan includes certain generic recommendations as to general types of investment products or specific securities which may be appropriate for the Client to purchase given his/her financial situation and objectives.
• The Client is under no obligation to act upon the investment adviser’s recommendation or purchase such securities through Clarify Wealth Management and the investment advisor representative.
• If the Client desires to purchase securities or advisory services in order to implement his/her financial plan, Clarify Wealth Management offers a variety of products and services available through its IARs.
• This results in the payment of normal and customary commissions, advisory fees or other types of compensation to Clarify Wealth Management and the investment advisor representative. A conflict exists between the interests of the investment adviser and the interests of the client. Depending on the type of account that could be used to implement a financial plan, such compensation includes (but is not limited to) advisory fees, commissions; mark-ups and mark-downs; transaction charges; confirmation charges; small account fees; mutual fund 12b-1 fees; mutual fund sub-transfer agency fees; hedge fund, managed futures, and variable annuity investor servicing fees; retirement plan fees; fees in connection with an insured deposit account program; marketing support payments from mutual fund, annuity and insurance sponsors; administrative servicing fees for trust accounts; referral fees; compensation for directing order flow; and bonuses, awards or other things of value offered by Clarify Wealth Management to the investment advisor representative.
• This compensation to investment advisor representative and Clarify Wealth Management may be more or less depending on the product or service that investment advisor representative recommends. Therefore, the investment advisor representative may have a financial incentive to recommend that a financial plan be implemented using a certain product or service over another product or service.
• The investment advisor representative may receive additional cash or non-cash compensation from advisory product sponsors. Such compensation may not be tied to the sales of any products. Compensation may include such items as gifts valued at less than $100 annually, an occasional dinner or ticket to a sporting event, or reimbursement in connection with educational meetings or marketing or advertising initiatives. Financial planning is made available to all clients as a comprehensive service that may or may not result in a written plan. The amount of time required per plan can vary greatly depending on the scope and complexity of an individual engagement. A particular client’s financial plan will include the relevant types of planning specific to their needs and objectives such as:
• Retirement – planning an investment strategy with the objective of providing inflation- adjusted income for life. 

• College / Education – planning to pay the future college / education expenses of a child or grandchild. 

• Major Purchase – Evaluation of the pros and cons of home ownership verse renting as well as buying or leasing a car, for example. 

• Divorce – planning for the financial impact of divorce such as change in income, retirement benefits and tax considerations. 

• Insurance Needs – planning for the financial needs of survivors to satisfy such financial obligations as housing, dependent childcare and spousal arrangements as well as education. 

• Final Expenses – planning to leave assets to cover final expenses such as funeral, debts and potential business continuity. 

• Estate Planning – planning that focuses on the most efficient and tax friendly option to pass on an estate to a spouse, other family members or a charity. 

• Cash Flow/ Budget Planning – planning to manage expenses against current and projected income. 

• Wealth Accumulation – planning to build wealth within a portfolio that takes into consideration risk tolerance and time horizon. 

• Business Succession – planning for the continuation of a business in a smooth a transition as possible with the use of buy-sell agreements, key-man insurance and engaging independent legal counsel as needed. 

• Tax Planning – planning a tax efficient investment portfolio to maximize deductions and off-setting losses. 

• Investment Planning – planning an investment strategy consistent with a particular objectives, time horizons and risk tolerances. 
 The following criteria will be considered when creating a client specific financial plan:
• Total income
• Net Worth
• Marital Status
• Tax Bracket
• Assets under Management
• Children
• Education Cost
• Time Frame
• Risk Tolerance
• Objectives
• Account Types
• Holdings
• Investment Experience
• Budget C. Client Account Management Prior to engaging Clarify Wealth Management to provide investment advisory services, each Client is required to enter into an investment advisory agreement with the Advisor that defines the terms, conditions, authority and responsibilities of the parties. These services include:
• Establishing an Investment Strategy – Clarify Wealth Management, in connection with the Client, may a strategy that seeks to achieve the Client’s goals and destinations. The strategy is designed to address the Client’s personal goals, investment goals, and both long-term and short-term objectives.
• Asset Allocation – Clarify Wealth Management will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance of risk for each Client.
• Portfolio Construction – Clarify Wealth Management will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – Clarify Wealth Management will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Clarify Wealth Management does not sponsor or act as the portfolio manager for a wrap fee program. E. Assets Under Management As of February 29, 2024, Clarify Wealth Management manages the following assets: Assets Under Management Assets Discretionary Assets $410,038,742 Non-Discretionary Assets $0 Total $410,038,742 Clients may request more current information at any time by contacting the Advisor.