Crossmark Wealth is a boutique investment management firm that provides a full suite of investment strategies to individual and institutional investors. Crossmark Wealth is a privately owned SEC-registered investment adviser headquartered in Houston, Texas. Crossmark Wealth is wholly owned by Crossmark Global Holdings, Inc. (Crossmark Global Holdings), which is also a privately owned company. Crossmark Global Holdings is wholly owned indirect subsidiary of AGFinancial, a Missouri non-profit corporation. Crossmark Wealth is affiliated with Crossmark Global Investments, Inc. (Crossmark Global Investments), an investment adviser separately registered with the SEC and wholly owned by Crossmark Global Holdings. Crossmark Global Investments also provides investment advice and discretionary investment management services to individual and institutional clients and serves as the investment adviser to the series portfolios of Steward Funds, Inc. (the Steward Funds), each a registered investment company under the Investment Company Act of 1940 (the Investment Company Act), available to both individual and institutional investors. Through the investment programs described below, Crossmark Wealth primarily allocates client capital to other investment managers and their products, including Crossmark Global Investments and the Steward Funds. Certain investment strategies managed by Crossmark Global Investments are offered to clients of Crossmark Wealth. The Steward Funds are also offered to clients of Crossmark Wealth. Investment strategies managed by Crossmark Global Investments and the Steward Funds are generically referred to below as proprietary products, while investment strategies, mutual funds, and exchange traded funds (ETFs) managed by unaffiliated investment advisers are generically referred to as non-proprietary products. The majority of our clients’ assets are invested in proprietary products. Where Crossmark Wealth determines to allocate to proprietary products, to the extent permitted by applicable law, Crossmark Wealth and its affiliates will generally be entitled to earn more fees than if Crossmark Wealth had allocated to non-proprietary products as affiliates of Crossmark Wealth earn an asset-based advisory fee for managing the proprietary products in addition to the advisory fee payable to Crossmark Wealth with respect to such allocations. This practice creates a conflict

of interest because Crossmark Wealth and its affiliates do not receive fees from non-proprietary products and thus receives an additional layer of fees when proprietary products are utilized. To manage this conflict, Crossmark Wealth performs the same selection and ongoing monitoring processes for proprietary products as it performs for non-proprietary products. Given Crossmark Wealth’s extensive knowledge of the proprietary products, including how they are best utilized in various asset allocation strategies, Crossmark Wealth generally has a preference for the proprietary products over non-proprietary products with a similar investment strategy, which is likely to result in a larger allocation to proprietary products relative to non-proprietary products across Crossmark Wealth’s clients. Crossmark Wealth provides investment advice and discretionary investment management services based on the individual needs of each clients. We review your investment experience, risk tolerance, goals, and objectives in developing an overall investment program to meet those goals and objectives. As the client, you may impose reasonable restrictions on our ability to invest in certain securities, types of securities, or industry sectors. Where we recommend a proprietary product, you will make the ultimate decision regarding that investment. We only provide discretionary investment management services with respect to assets that are not invested in proprietary products. Where we recommend an investment strategy that is managed by our affiliate, you will enter into a separate investment advisory relationship with that affiliate. 6 | P a g e Crossmark Wealth provides asset allocation and investment advice that covers equity securities, options on equity securities, corporate debt instruments, government and agency securities, municipal securities, mutual funds, and exchange traded funds (ETFs). We utilize a combination of proprietary and non-proprietary products in the development of investment programs for our clients. As of March 31, 2023, Crossmark Wealth had approximately $1.008 billion of discretionary assets under management. We do not currently advise any assets on a non-discretionary basis. As used in this Brochure, the words firm, we, our, and us refer to Crossmark Wealth; and the words you, your, and client refer to you as either a client or prospective client of Crossmark Wealth.