Firm Description Mussett Wealth Management was founded in 2011 and is registered with the US Securities and Exchange Commission (SEC). We are a limited liability company formed under the laws of the State of New York. Mussett Wealth Management provides personalized financial planning and investment management to individuals, charitable organizations and businesses. Mussett Wealth Management is a fee-based financial planning and investment management firm. The firm may sell insurance products to clients. Investment advice is an integral part of financial planning. In addition, Mussett Wealth Management advises clients regarding cash flow management, education planning, retirement planning, tax planning and estate planning. Mussett Wealth Management does not act as a custodian of client assets. Mussett Wealth Management reviews account activity and places trades for clients under a limited power of attorney filed with the custodian of the assets. A written evaluation of each client's situation is provided to the client, often in the form of a net worth statement, financial plan or Investment Policy Statement. Periodic reviews are communicated to provide reminders of the specific courses of action that need to be taken. Other professionals are engaged directly by the client on an as-needed basis. Conflicts of interest are disclosed to the client in the unlikely event they should occur. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Principal Owner Olivia A. Mussett, CFP® is the President and owner of Mussett Wealth Management, LLC. Types of Advisory Services Mussett Wealth Management provides financial planning, investment supervisory and management services and furnishes investment advice through consultations. Mussett Wealth Management provides consulting and investment advisory services to pension and profit sharing plans. Mussett Wealth Management provides comprehensive pension & profit sharing plan management (ERISA 3(38) and 3(16)) which includes oversight of all service providers such as third party administrators, record keepers, custodians, investment managers, etc. As of December 31, 2023, Mussett Wealth Management managed approximately $91,967,640 in discretionary assets. Tailored Relationships The goals and objectives for each client are documented in our electronic files and in our client relationship management system. Investment policy statements are often 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 client consent. Types of Agreements The following agreements define the typical client relationships: Financial Planning Agreement A financial plan may be designed to help the client with some or all aspects of financial planning without ongoing investment management after the financial plan is completed. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Unless a client specifically contracts Mussett Wealth Management to provide ongoing and continuous financial planning or advisory services, financial planning services do not include ongoing reviews, investment monitoring or transaction implementation. The client has sole responsibility for deciding whether or not to implement the recommendations and advice of Mussett Wealth Management. Detailed investment advice and specific recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. In the event that the client’s situation is substantially different than disclosed at the initial meeting, a revised fee will be provided for mutual agreement. The client must approve the change of scope in advance of the additional work being performed when a fee increase is necessary. After delivery of a financial plan, future face-to-face meetings may be scheduled as necessary. The fee for a financial plan is predicated upon the facts and circumstances of the client engagement and billed on an hourly basis ranging from $175 to $225 per hour and is negotiable. Follow-on implementation work may be billed separately at the same hourly rates. Advisory Service Agreement Most clients choose to engage Mussett Wealth Management to provide investment advisory services in order to obtain ongoing in-depth advice and life planning. All aspects of the client’s financial affairs are reviewed, including those of their dependent children. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for an Advisory Service Agreement is provided to the client in writing prior to the start of the relationship. An Advisory Service Agreement includes: cash flow management; insurance review; investment management (including performance reporting); education planning; retirement planning; estate and tax planning, as well as the implementation of recommendations within each area. The Advisory Service Agreement is an ongoing agreement. The client or the investment manager may terminate an Agreement by written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the quarter completed. Asset Management Assets are invested primarily in no-load mutual funds and exchange-traded funds, usually through discount brokers. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Custodians may charge

a transaction fee for the purchase of some funds and stocks. Stocks and bonds may be purchased or sold when appropriate. The custodian charges a fee for stock and bond trades. Mussett Wealth Management does not receive any compensation, in any form, from fund companies. Investments generally include equities, mutual funds, corporate debt securities, municipal securities, commercial paper, certificates of deposit, municipal securities, investment company securities, U. S. government securities and interests in partnerships. We reserve the right to offer advice on an investment product that may be suitable for a client's specific needs, goals and objectives. Initial public offerings (IPOs) are not available through Mussett Wealth Management. Advisory Services to Pension and Profit Sharing Plans Mussett Wealth Management provides consulting and investment advisory services to pension and profit sharing plans. These services are offered for a fee. The fee is based upon assets under advisement or a fixed fee or a combination of each. Prior to engaging Mussett Wealth Management for any pension or profit sharing plan consulting or investment advisory services, the client is required to enter into one or more written agreements with Mussett Wealth Management which will set the terms and conditions under which services shall be rendered. Mussett Wealth Management provides comprehensive pension & profit sharing plan management (ERISA 3(38) and 3(16)) which includes oversight of all service providers such as third party administrators, record keepers, custodians, investment managers, etc. If necessary, Mussett Wealth Management will conduct a search for new service providers as needed. Based upon consultation with the client to ascertain investment objectives, policies, constraints and restrictions, Mussett Wealth Management will assist in the development of an Investment Policy Statement (“IPS”). The IPS will include the criteria for selecting and monitoring plan investments. Mussett Wealth Management will be the plan’s discretionary investment manager and as such will select and monitor the investment vehicles and fund managers in accordance with the IPS as part of an ongoing process and will report results to the client on a quarterly basis or at any other time the client may request. Investment management is provided only for certain types of investments including mutual funds, collective investment funds, money market funds and any other type of investment held in a client’s portfolio at the beginning of the advisory relationship. Mussett Wealth Management recommends a broadly diversified menu of investments be offered to all plan participants in an employer sponsored pension or profit sharing plan. All investment decisions are implemented through the client’s third party administrator and custodian. Formal account reviews are conducted on a quarterly basis. In addition, clients are contacted at least annually to review previous services and/or recommendations and to discuss the impact resulting from any changes in the client’s financial situation and/or investment objectives. Mussett Wealth Management will provide quarterly reports to each client and these reports will contain performance data and comparative metrics. In addition, clients are provided with regular account statements directly from the custodian. Mussett Wealth Management offers assistance in formalizing a Retirement Plan committee, developing a “best practices” program, training committee members on their fiduciary responsibilities and monitoring and benchmarking service provider fees on an annual basis. Educational support and investment workshops are provided to plan participants. Both in-person and group meetings are offered and printed educational materials are included. Investment advice will be provided to participants in the Plan as well as information regarding plan benefits, features and investment options. Investment advice is provided at individual meetings with plan participants who ask for assistance in constructing a participant directed portfolio under the Plan. Any investment advice that is provided will be based on generally accepted investment theories that take into account the historic risks and returns of different asset classes over certain periods of time and other considerations such as, to the extent furnished by the Plan, participant or beneficiary, information related to age, time horizons, risk tolerance, current investments, other assets or sources of income and ongoing monitoring or rebalancing of a participant’s portfolio. Mussett Wealth Management does not receive, directly or indirectly, any fee or other compensation that is based in whole or in part on a participant’s selection of any particular investment option. The primary methods of investing and purchasing securities for pension and profit sharing plan participants is through regular payroll deduction as well as employer profit sharing contributions and rollovers from other accounts. All fees pertaining to consulting and investment advisory services to pension and profit sharing plans are negotiable and are stated in a client’s written agreement. Mussett Wealth Management fees generally range from .25% to 1.25% of the assets under advisement. Actual fees depend on the size and type of plan and services to be provided. The annual fee shall be prorated and charged monthly, in arrears, based upon the market value of the assets on the last day of the month that services are provided. Accounts terminated during the month are charged a prorated fee. A client may elect to be invoiced directly for the monthly fee or the client’s written agreement with Mussett Wealth Management may authorize the Third Party Administrator or other Financial Institution to calculate and debit the client’s account for the fee and directly remit that fee to Mussett Wealth Management. Termination of Agreement A Client may terminate any of the aforementioned agreements at any time by notifying Mussett Wealth Management in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. Mussett Wealth Management may terminate any of the aforementioned agreements at any time by notifying the client in writing.