A. Description of the Advisory Firm B. Types of Advisory Services BWM conducts due diligence on any third-party investment adviser, which may involve one or more of the following: phone calls, meetings and review of the third-party adviser's performance and investment strategy. BWM will review the ongoing performance of the third-party adviser. Pension Consulting Services BWM offers consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to:
• identifying investment objectives and restrictions
• providing guidance on various assets classes and investment options
• recommending money managers to manage plan assets in ways designed to achieve objectives
• monitoring performance of money managers and investment options and making recommendations for changes
• recommending other service providers, such as custodians, administrators and broker- dealers
• creating a written pension consulting plan These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. 529 Accounts BWM advises and manages client accounts to help meet dependents continuing educational needs through qualified tuition plans, i.e. 529 plans. Although JPMorgan Chase is the plan administrator, BWM advises the client on allocation and adjusts the accounts semiannually based on time horizon to cover each semester's cost. This service is offered to existing clients at no additional cost. Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Services Limited to Specific Types of Investments BWM generally limits its investment advice

to mutual funds, fixed income securities, insurance products including annuities, equities, hedge funds, private equity funds, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds, non-U.S. securities and private placements. BWM may use other securities as well to help diversify a portfolio when applicable. BWM will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by BWM on behalf of the client. BWM may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent BWM from properly servicing the client account, or if the restrictions would require BWM to deviate from its standard suite of services, BWM reserves the right to end the relationship. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. BWM does not participate as a portfolio manager for any wrap fee programs. BWM has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $65,580,773.00 $0.00 December 2023 BWM has $23,581,516.00 in assets under advisement. Portfolio Management Fees Total Assets Under Management Annual Fees $0 - $500,000 1. 00% $500,001 - $1,000,000 .90% $1,000,001 – $2,000,000 0.75% $2,000,001 – $5,000,000 0.50% $5,000,001 – and up 0.25% C. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee Programs E. Assets Under Management