ADVISORY SERVICES AND FEES Silver Oak Wealth Advisors Services, LLC (Silver Oak) was founded in 2017 and the principal owner is Shufan (Linda) Cao. Silver Oak provides its clients a choice of services including integrated wealth management, financial planning, related consulting services and discretionary investment management services. In addition, Silver Oak provides specialized consulting services for individuals experiencing Financial Transitions. At Silver Oak Wealth Advisors, we specialize in helping our clients manage – and even appreciate – change. Through challenges and transitions, we have the opportunity to remember who we really are and create an inspiring vision for our next chapter. Our focus at Silver Oak is on financial well‐being, personal well‐being, and family well‐being. If it’s important to you, it’s important to us. This is the heart of what Silver Oak offers. WEALTH MANAGEMENT SERVICES Wealth management is more than “just” investment management. Wealth management combines a number of elements that are needed to address the concerns of affluent families and individuals. At Silver Oak Wealth Advisors, we use a consultative process to glean information about our clients’ specific situations, and then we tailor a personalized strategy that uses a range of financial solutions and services. We take a holistic approach to wealth management, and typically include the following elements in our wealth management process:
• Financial Organization
• Investment Planning & Management
• Retirement Planning
• Risk Management
• Tax Planning & Optimization
• Cashflow & Major Goal Funding
• Estate & Legacy Planning Silver Oak seeks to understand each client’s goals and underlying values pertaining to money; then we create a systematic path toward achieving those goals. We delve into and continue to monitor the key components required to maintain your financial security. Your Family CFO In many instances, Silver Oak will integrate with and coordinate the services of other professionals such as tax professionals and estate planning attorneys. Because we are trained to see the big picture, we are always looking out for our clients to ensure that there are no gaps or missing elements in their personalized wealth management plan. As we provide holistic guidance and become a part of our client’s financial lives, we find that, over time, we become more than “just” wealth managers – we become thinking partners and life coaches. FINANCIAL PLANNING AND CONSULTING SERVICES Silver Oak can or will provide its clients with a broad range of integrated financial planning or segmented financial planning and consulting services (including non‐investment‐related matters). Prior to engaging Silver Oak to provide financial planning and/or consulting services, the client will be required to enter into an Agreement with Silver Oak setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to Silver Oak commencing services. Financial planning can or will be provided as part of an integrated approach to wealth management, or can be provided as a separate service at Silver Oak’s sole discretion. Clients have the option of utilizing Silver Oak to implement certain investment recommendations but are under no obligation to do so. Clients are free at all times to accept or reject any or all recommendations made by Silver Oak and clients retain the authority and discretion on whether or not to implement any recommendations. Clients should understand that a potential conflict of interest exists if Silver Oak recommends its own investment management services. Financial planning recommendations are based on the Client’s financial situation at the time the recommendations are provided, and are based on the information provided by the client. In addition, certain assumptions can or will be made with respect to interest and inflation rates, use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance and Silver Oak cannot offer any guarantees or promises that the client’s financial goals and objectives will be met. As a client’s financial situation, goals, objectives, or needs change, the client is strongly urged to promptly notify Silver Oak. For more information on the risks associated with investing, please refer to Item 8, below. Please refer to Item 5 below for detailed information on fees and compensation for these services. TRANSITION PLANNING SERVICES Silver Oak has created an affiliation with the Financial Transitionist Institute (“FTI”, previously known as Sudden Money Institute) to enhance the depth of services provided to our clients. We recognized the need for the professional training provided by FTI after having worked with clients over the years who experienced a financial transition or a life‐changing event. During such an event, there is a concurrent impact in at least two major facets of their

life:
• The personal and emotional component surrounding the event which will require psychological skills that cross over to the world of behavioral finance; and
• The money component–managing the financial impact on their life which will require technical skills. In addition to handling transition struggles, we have a unique approach to something we call transition Flow. We borrowed the idea of flow from a Hungarian psychologist whose book, Flow: The Psychology of Optimal Experience, posits that we are happiest when in a “flow state.” A flow state is similar to what you perhaps have heard called “being in the zone.” We have tools to enhance the experiences of clients whose transitions are going smoothly and who are energized by their life event. Please refer to Item 5 below for detailed information on fees and compensation for these services. INVESTMENT MANAGEMENT The client can engage Silver Oak to design an investment portfolio and provide ongoing investment management services on a discretionary fee‐only basis, which includes the following:
• Development and maintenance of Investment Policy Statement (IPS).
• Analysis of appropriateness for current liquidity, investment diversification and asset allocation.
• Selection and ongoing monitoring of recommended investment products and managers.
• Trading and Rebalancing on a regular basis.
• Quarterly performance reports and reviews.
• Investment education as needed. Please see Item 5 below for additional information regarding fees. Separately Managed Account Programs Silver Oak may utilize the separately managed account (“SMA”) programs of third‐party investment advisory firms to aid in implementing an investment portfolio designed by Silver Oak. SMA providers have discretionary authority over the client assets under their management. Silver Oak conducts initial due diligence on the SMA provider and continuously monitors their management of client accounts. However, Silver Oak does not offer advice on any specific securities in connection with the SMA programs. Third‐Party Consultant Silver Oak utilizes the consulting services of a third‐party investment advisory firm (“Third‐Party Consultant”) to aid Silver Oak’s Investment Committee in determining which securities to be bought or sold for clients. The Third‐Party Consultant does not manage any client assets, but rather provides recommendations to Silver Oak. GENERAL CLIENT INFORMATION At the onset of the client relationship, Silver Oak gathers information on each client’s investment objectives, risk tolerance, time horizons and financial goals. Silver Oak does not assume responsibility for the accuracy of the information provided by the client, and Silver Oak shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Silver Oak’s clients are advised to promptly notify Silver Oak if there are ever any changes in their financial situation or investment objectives for the purpose of reviewing/evaluating/revising Silver Oak’s previous recommendations and/or services, or if they wish to impose any reasonable restrictions upon Silver Oak’s management services. CLIENT AGREEMENTS AND TERMINATION Each client is required to enter into a written agreement with Silver Oak setting forth the terms and conditions under which we shall render our services (the “Agreement”). In accordance with applicable laws, Silver Oak’s Form ADV Part 2A shall be provided to each client prior to, or contemporaneously with, the execution of an Agreement. Either party can terminate an agreement at any time by written notice. Fees are refundable for any portion of advance fees attributable to services not performed prior to termination of the agreement, and the client is responsible for any fees incurred but not yet billed. Upon termination, investment advisory fees will be prorated, and a refund will be made for the number of days in the calendar quarter after a termination notice is sent in writing or by email to Silver Oak. Neither Silver Oak nor the client can assign the Agreement without the consent of the other party. Transactions that do not result in a change of actual control or management of Silver Oak shall not be considered an assignment. PRIVACY OF CLIENT INFORMATION Clients receive a Privacy Notice when Silver Oak is engaged, and annually thereafter. The Privacy Notice discloses the type of non‐public, personal information Silver Oak collects regarding a client, third parties Silver Oak can share the information with and Silver Oak’s safeguards over client privacy. Clients can obtain a copy of Silver Oak’s Privacy Notice by contacting Silver Oak. ASSETS UNDER MANAGEMENT As of December 31, 2023, the following represents the amount of client assets under management by the Firm on a discretionary and non‐discretionary basis: Type of Account Assets Under Management ("AUM") Discretionary $213,172,954 Non‐Discretionary $5,046,829 Total: $218,219,783