A Capstone Wealth Advisors, LLC (“Capstone Wealth Advisors” “we” or “us”) is a registered investment advisor located in Salem, Oregon and registered with the SEC since 2017. Capstone Wealth Advisors owners are Ryan Skogstad, and Rob Norton. B, C Capstone Wealth Advisors provides financial planning and investment advisory services. Capstone Wealth Advisor’s investment advisory services are driven by and coordinated with each Client’s individual financial goals. The firm’s approach uses broadly diversified portfolios and a systematic strategy to manage investments. The firm follows strict fiduciary standards, putting its Clients’ interests before its own and seeking to avoid conflicts of interest with its Clients. The firm helps Clients coordinate and prioritize their financial lives with all aspects of their life goals. Integrating investments across all individual retirement accounts, taxable accounts, and employee retirement accounts is crucial to the process. Client input and involvement are critical parts of the financial planning process and implementation of investment decisions. After Client assets are invested, the firm monitors their investments and provides advice related to ongoing financial and investment needs. The firm is objective, and always puts its Clients’ interests first. Capstone Wealth Advisors has discretionary and non-discretionary authority over Client funds. Discretionary authority means that the firm has the authority to determine, without obtaining specific Client consent, the securities bought or sold and the amount of securities bought or sold. The only restrictions on the above discretionary authority are those set by the Client on a case by case basis. Discretionary authority allows the firm to act on behalf of the Client in most matters necessary or incidental to the handling of the account, including monitoring certain assets, without the Client’s prior approval. The firm offers the following financial planning services to clients:
• Investment Planning/Investment Policy Statements
• Retirement Planning/Financial Independence
• Capital Needs Analysis (Goal Funding)
• Debt Reduction
• Income Tax Planning
• Estate Planning
• College/Education Planning
• Risk Management (Life and Disability Insurance)
• Philanthropic Planning
• Cash flow and Net Worth Update
• Other Projects A conflict exists between the interests of the investment adviser and the interests of the client. The client is under no obligation to act upon the investment adviser's recommendation. If the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser. Capstone Wealth Advisors may, on occasion, recommend that all or a portion of the assets in Client accounts be managed by a Third Party Asset Manager (“TPAM”) or a sub-advisor. TPAM or sub-advisory fees will be paid directly to the TPAM or sub-advisor from the Client’s account and represent a portion of the account management fees paid by the Client. The remainder of the advisory fees debited from the Client’s account will be paid to the Advisor. In all discretionary accounts, except to the extent the Client directs otherwise, the Advisor is authorized to use its discretion in selecting or changing a TPAM and/or sub-advisor

to the Account without prior notice to the Client. Client may be required to execute a limited power of attorney with a TPAM or sub- advisor selected by Advisor under this Section. Advice and services are tailored to the stated objectives of the Client(s). The firm discusses with the Client in detail critically important information, such as the Client’s risk tolerance, time horizon, and projected future needs, to formulate an investment policy. This policy guides the firm in objectively and suitably managing the Client’s account. A registered investment advisor of the firm will meet with Clients on an as needed basis to review portfolio performance, discuss current issues, and re-assess goals and plans. The firm approach uses broadly diversified portfolios and a systematic strategy to manage investments. Our investment recommendations generally include mutual funds, exchange-traded funds, and exchange-listed and non-exchange-listed equity securities. We also recommend certificates of deposit, municipal securities, U.S. government securities, money market funds and REITs. If Clients hold other types of investments, we will advise them on those investments also. Clients may impose restrictions on investing in certain securities or types of securities. We consider such restrictions when preparing the Investment Policy Statement. Pontera Capstone Wealth Advisors uses a third-party platform to facilitate management of certain held-away assets such as defined contribution plan participant accounts, with discretion (“Pontera Platform”). The Pontera Platform allows Capstone Wealth Advisors to avoid being considered to have custody of Client funds since Capstone Wealth Advisors does not have direct access to client log-in credentials to affect trades. Capstone Wealth Advisors is not affiliated with Pontera in any way and receives no compensation from Pontera for using the platform. A link will be provided to the client allowing the client to connect their designated held-away account(s) to the Pontera Platform. Once the client’s account is connected to the Pontera Platform, Capstone Wealth Advisors will review the current account allocations. When deemed necessary, Capstone Wealth Advisors will reallocate and/or rebalance the account in consideration of your investment goals, risk tolerance, and 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) on the Pontera Platform will be reviewed at least quarterly, and allocation changes will be made as deemed necessary. See Item 8 for a description of our investment strategy. We follow strict fiduciary standards as required by the SEC, putting our Clients’ interests before our own and seeking to avoid conflicts of interest with our Clients. We are compensated only by our Clients. Nonetheless, conflicts of interest do exist between our interests and our Clients’ interests. Thus, our Clients are not obligated to act on our recommendations, or they can act on one or more of our recommendations without transacting business directly with us. D We may participate in a wrap fee program. E We manage $720,909,582 of Client assets on a discretionary basis and $0 of Client assets on a non-discretionary basis. This amount was calculated as of December 2023.