4a: Firm Description Wealthjar was established in April 2017. We are independent, fee only, privately held company wholly owned by The Rice Partnership, LLC (www.thericepartnership.com), a SEC registered investment advisory firm. Our goal is to help our clients be good stewards of their capital through suitable investments determined by our clients’ investment objectives. Our main office is located in Honolulu, Hawaii. 4a1: Principal Members
• Bonnie F. Rice, CTFA®, ChFC®, Director of Private Client Services : Ms. Rice can be reached via phone (808) 585-7788 or email [email protected]
• Orest V. Saikevych, Chief Investment Officer: Mr. Saikevych can be reached via phone (808) 585-7788 or email [email protected] 4b: Types of Advisory Services We provide portfolio management services through Institutional Intelligent PortfoliosTM, an automated, online investment management platform for use by independent investment advisors and sponsored by Schwab Wealth Investment Advisory, Inc. (the “Program” and “SWIA,” respectively). Through the Program, we offer clients a range of investment strategies we have constructed and manage, each consisting of a portfolio of exchange traded funds (“ETF’s”) and a cash allocation. The Program is described in the Schwab Wealth Investment Advisory, Inc. Institutional Intelligent PortfoliosTM Disclosure Brochure (the “Program Disclosure Brochure”), which is attached as Addendum A for your convenience. We also provide financial planning and estate planning services to clients on an individual basis. Factors that we take into consideration when making our recommendation(s) include, but are not limited to, the following: your financial needs, investment goals, cash flow, and expenditures. We will review your plan annually to ensure it remains aligned with your financial goals and objectives. 4c: Client Tailored Relationships and Restrictions As a fiduciary, Wealthjar always acts solely in your best interests. Your portfolio is selected based on your investment risk capacity, investment risk tolerance, and investment time horizon. Clients should note that we will recommend a portfolio via the Program in response to the client’s answers to the online questionnaire. The client may then indicate an interest in a portfolio that is one level less or more conservative or aggressive than the recommended portfolio. Additionally, the client may instruct us to exclude up to three ETF’s from their portfolio. Notwithstanding the above, Wealthjar has discretion to select a portfolio based on all the information collected to determine the client’s investment objectives. The Program also includes an automated investment engine through which we manage

the client’s portfolio on an ongoing basis through automatic rebalancing and tax-loss harvesting (if the client is eligible and elects). While clients are required to use Charles Schwab (“Schwab”) as custodian/broker to enroll in the Program, the client decides whether to do so and opens its account with Schwab by entering into an account agreement directly with Schwab. We do not open the account for the client. If the client does not wish to place his or her assets with Schwab, then we cannot manage the client’s account through the Program. Financial Planning Wealthjar offers financial planning services separate from its investment advisory services. The financial plan may include specific financial and investment strategies as well as specific/product recommendations, including equity, fixed income, insurance products, as well as asset allocation recommendations. At no time, however, is the client under any obligation to implement any of the suggestions outlined in the financial plan. Rather, implementation of a client’s financial plan is solely at the client’s discretion. ADV PART 2 A BROCHURE PAGE 5 Estate Planning To the extent requested by the client, Wealthjar offers estate planning assistance as part of its investment advisory services. Wealthjar does not hold itself out as providing estate planning services separately from its primary service of investment management. Estate planning assistance generally includes an estate plan review in coordination with third-party service providers, specifically estate planning attorneys and online estate planning services. Wealthjar works with these service providers to develop a tailored estate plan which takes into consideration a client’s risk profile and objectives and can include the following: creation of trust and transfer documents, drafting of power of attorney documents, property agreements, wills, and other documents. For select clients, Wealthjar also offers credits for reimbursement of estate planning legal work performed by the third-party service providers. Wealthjar will provide credits based on a number of extenuating circumstances including advisory agreement provisions, specific need, unique conditions, assets under management, client relationship, emotional state, and other qualitative and quantitative factors. The credits associated with these types of services have expanded since the firm’s inception, and as such, not all clients have access to the same level of credits. The client is under no obligation to engage the services of any such recommended attorney or online platform. If the client engages any such recommended attorney or platform, and a dispute arises thereafter relative to such engagement, the Client agrees to seek recourse exclusively from and against the engaged attorney or online document prep platform. Wealthjar does not provide tax or legal advice as part of its estate planning services. 4d: Wrap Fee Program Wealthjar does not sponsor or provide portfolio management services to a wrap fee program. 4e: Assets under Management (AUM) Wealthjar, as of December 31, 2023, has $4,403,040 in discretionary reportable Assets under Management.