Meadow Creek Wealth Advisors, LLC ("Meadow Creek") was established and applied for registration as an Investment Adviser in 2018. Through independently owned LLCs, Meadow Creek is principally owned by Willem Hattink, Kenneth K. Budd and Kristin Ribic. Willem Hattink is its Managing Member and Chief Compliance Officer. As of December 31, 2023, Meadow Creek managed $285,695,546 on a discretionary basis and $284,137,248 on a non-discretionary basis. SERVICES PROVIDED Meadow Creek provides advisory services, giving continuous advice based on the Client's individual needs. At the outset of each client relationship, before developing an investment strategy, Meadow Creek makes a detailed assessment of the Client's current financial circumstances. Meadow Creek spends time with the Client, discussing the Client's investment experience, available resources, income needs, and tolerance for investment risk, and broadly identifying the Client's objectives and goals. This background information assists Meadow Creek in developing a recommended investment plan that is designed to fit the Client's specific needs. Based on the information initially gathered from the Client, Meadow Creek generally develops for each client:
• a Financial Review, which provides a current financial snapshot for the Client, together with financial analysis and projections (the "Financial Review"). These may include short-term (5 years or less), intermediate-term (5 - 10 years), and/or long term (10 years or more) projections; and
• a Portfolio Strategy or an Investment Policy Statement that sets forth a recommended portfolio allocation for the Client, together with appropriate risk/return expectations (the "Investment Plan"). The Financial Review represents limited financial planning, and normally addresses areas such as general cash flow planning, retirement planning and insurance analysis. The goal of this service is to assess the financial circumstances of the client to more effectively develop the client’s Investment Plan. It represents a reflection of the client's current financial picture and a look at the future goals and expectations of the client. The Investment Plan outlines the types of investments Meadow Creek believes appropriate for the client in an effort to meet those goals and expectations. Portfolio Management As described above, at the beginning of a client relationship, Meadow Creek meets with the client, gathers information, and performs research and analysis as necessary to develop the client’s Investment Plan. The Investment Plan will be updated from time to time when requested by the client, or when determined to be necessary or advisable by Meadow Creek based on updates to the client’s financial or other circumstances. Once an Investment Plan is prepared on behalf of a new client, the Investment Plan will be implemented, monitored and updated from time to time as determined to be necessary or advisable based on Meadow Creek's experience, changes in market conditions, changes in the client's financial position and/or other circumstances. Modifications to the initial Investment Plan, while a topic for ongoing communications with the client, will not necessarily be reflected in a written document. To implement the client’s Investment Plan, Meadow Creek will manage the client’s investment portfolio on 5 | P a g e a discretionary or a non-discretionary basis. As a discretionary investment adviser, Meadow Creek will have the authority to supervise and direct the portfolio without prior consultation with the client. Under a non- discretionary arrangement, clients must be contacted prior to the execution of any trade in the account(s) under management. This can result in a delay in executing recommended trades, which could adversely affect the performance of the portfolio. This delay also normally means the affected account(s) will not be able to participate in block trades, a practice designed to enhance the execution quality, timing and/or cost for all accounts included in the block. In a non-discretionary arrangement, the client retains the responsibility for the final decision on all actions taken with respect to the portfolio. Each client has the ability to impose reasonable restrictions on the management of his/her account, including the designation of particular securities or types of securities that should not be purchased for the account or that should not be sold if held in the account. If a client's instructions are unreasonable or Meadow Creek believes that the instructions are inappropriate for the client, Meadow Creek will work with the client to determine an appropriate alternative course of action. A client will not be able to provide instructions that prohibit or restrict the Investment Adviser of an open-end or closed-end mutual fund or ETF with respect to the purchase or sale of specific securities or types of securities within the fund. Each client should also note that his or her investment portfolio is treated individually by giving consideration to each purchase or sale for the client’s account. For these and other reasons, performance of client investment portfolios within the same investment objectives, goals and/or risk tolerance may differ and clients should not expect that the composition or performance of their investment portfolios would necessarily be consistent with similar clients of Meadow Creek.
Separate Account Managers When appropriate and in accordance with the Investment Plan for a client, Meadow Creek may select one or more Separate Account Managers, each a “Manager”. Having access to various Managers offers a wide variety of manager styles and offers clients the opportunity to utilize more than one Manager if necessary to meet the needs and investment objectives of the client. Meadow Creek will select the Manager(s) it deems most appropriate for the client. Factors that Meadow Creek considers in selecting Managers generally include matching the client’s stated investment objective(s), Manager’s management style, performance, risk level, reputation, financial strength, reporting, pricing, and research. Meadow Creek will monitor the overall financial situation of the client, and monitor the investment approach and performance of the Manager(s), and assist the client in understanding the investments of the portfolio. The Manager(s) will generally be granted discretionary trading authority to provide investment supervisory services for the portfolio. Meadow Creek retains the authority to terminate the Manager’s relationship or to add new Managers without specific client consent. Fees paid to such Manager(s) are separate from and in addition to the fee assessed by Meadow Creek . Additionally, certain Managers may require a different billing schedule or impose more restrictive account requirements than Meadow Creek. In such instances, Meadow Creek may be required to alter its corresponding account requirements and/or billing practices to accommodate those of the Manager(s). Financial Planning Limited Financial Planning is generally included with Portfolio Management services. In rare circumstances, Meadow Creek may assess a separate fee for more extensive Financial Planning – please see Section 5 – Fees and Compensation for additional information regarding billing

arrangements. Clients will receive a written financial plan, providing the client with a detailed financial plan designed to achieve their stated financial goals and objectives. In general, the plan will address any or all of the following, as applicable: 6 | P a g e
• Personal: Family records, budgeting, personal liability, estate information, and financial goals
• Tax and Cash Flow: Income tax spending analysis and planning for past and future years
• Death and Disability: Cash needs at death, income needs of surviving dependents, estate planning
• Retirement: Strategies and investment plans to help a client achieve their retirement goals
• Investments: Analysis of investment alternatives and their effect on a client's portfolio Information on clients will be gathered by in-depth personal interviews and review of personal financial information. Gathering data concerning current financial status, future requirements, risk appetite, and goals is essential. Based upon this thorough review, a written plan is prepared for the client providing the client with a detailed financial plan designed to achieve their stated financial goals and objectives. It is recommended that the client review this plan with tax accountants, attorneys, and other professional service providers as appropriate. Meadow Creek may work with other professionals such as attorneys, Certified Public Accountants, trust officers, mortgage analysts, etc., to offer financial and estate planning advice. The financial management process begins with an in-depth evaluation of the client's current financial goals and objectives. Once we have established the overall objectives, Meadow Creek will focus on the client's specific goals. General Consulting In addition to the foregoing services, Meadow Creek may provide general consulting services to clients. These services are generally provided on a project basis and usually include, without limitation: cash flow planning for certain events such as education expenses or retirement; estate planning analysis; income tax planning analysis; review of a client's insurance portfolio; captive insurance arrangements; risk management; third-party coordination of attorneys and CPAs; as well as other matters specific to the client as and when requested by the client and agreed to by Meadow Creek. The scope and fees for consulting services will be negotiated with each client at the time of engagement for the applicable project. Retirement Plan Advisory Services Establishing a sound fiduciary governance process is vital to good decision-making and to ensure that prudent procedural steps are followed in making investment decisions. Meadow Creek will provide Retirement Plan consulting services to Plans and Plan Fiduciaries as described below. The appropriate Plan Fiduciary(ies) designated in the Plan documents (e.g., the Plan sponsor or named fiduciary) will (i) make the decision to retain our firm; (ii) agree to the scope of the services that we will provide; and (iii) make the ultimate decision as to accepting any of the recommendations that we may provide. The Plan Fiduciaries are free to seek independent advice about the appropriateness of any recommended services for the plan. Retirement Plan consulting services may be offered individually or as part of a comprehensive suite of services. The Employee Retirement Income Security Act of 1974 ("ERISA") sets forth rules under which Plan Fiduciaries may retain investment advisers for various types of services with respect to Plan assets. Meadow Creek acts as a fiduciary under ERISA Section 3(21). As such, Meadow Creek works with clients to recommend the investment choices for a plan among which the plan participants may select. Meadow Creek does not have discretion over plan investments, and Retirement Plan clients will retain control of the plan's investments and will approve the fund lineup. Meadow Creek does not offer investment management services, as defined under ERISA section 3(38). When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act of 7 | P a g e 1974 (“ERISA”) and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. Additional disclosure may be found elsewhere in this brochure or the written agreement between Meadow Creek and the Client. Fiduciary Consulting Services
• Investment Selection Services Meadow Creek will provide Plan Fiduciaries with recommendations of investment options consistent with ERISA section 404(c). Plan Fiduciaries retain responsibility for the final determination of investment options and for compliance with ERISA section 404(c).
• Non-Discretionary Investment Advice Meadow Creek provides Plan Fiduciaries and Plan Participants general, non-discretionary investment advice regarding asset classes and investments.
• Investment Monitoring Meadow Creek will assist in monitoring the plan’s investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformation to the guidelines set forth in the investment policy statement and Meadow Creek will make recommendations to maintain or remove and replace investment options. The details of this aspect of service will be enumerated in the engagement agreement between the parties. IRA Rollover Considerations As part of our investment advisory services to you, we may recommend that you withdraw the assets from your employer's retirement plan and roll the assets over to an individual retirement account ("IRA") that we will manage on your behalf. If you elect to roll the assets to an IRA that is subject to our management, we will charge you an asset-based fee as set forth in the agreement you executed with our firm. This practice presents a conflict of interest because persons providing investment advice on our behalf have an incentive to recommend a rollover to you for the purpose of generating fee-based compensation rather than solely based on your needs. You are under no obligation, contractually or otherwise, to complete the rollover. Moreover, if you complete the rollover, you are under no obligation to have the assets in an IRA managed by our firm. Many employers permit former employees to keep their retirement assets in their company plan. Also, current employees can sometimes move assets out of their company plan before they retire or change jobs. In determining whether to complete the rollover to an IRA, you should consider the availability, costs and benefits of: 1. Leaving the funds in your employer's (former employer's) Plan. 2. Moving the funds to a new employer's retirement Plan. 3. Cashing out and taking a taxable distribution from the Plan. 4. Rolling the funds into an IRA rollover account. Each of these options has advantages and disadvantages, and before making a change, we encourage you to speak with your CPA and/or tax attorney. 8 | P a g e