Registration Status: Registered with the SEC as of August 20181 Principal Owner: Daniele Ghiotti Assets Under Management: Total: $281,018,378 (As of December 31, 2023) Discretionary Assets – $155,554,093 Non-discretionary Assets – $125,464, 285 VESTA Wealth Management, LLC is a limited liability company, organized in the State of Florida, on March 25, 2013 (“VWM” or the “Firm”). While this brochure describes the business of VWM, certain sections also discuss the activities of its supervised persons, which refer to the Firm’s supervised persons who provide investment advice and client services on VWM’s behalf and are subject to the Firm’s supervision or control. The Firm believes that all material conflicts of interest under applicable law regarding the Firm and its supervised persons which could be reasonably expected to impair the rendering of unbiased and objective advice are disclosed in this brochure. VWM offers a variety of advisory services, which include financial planning, financial consulting, and investment management services. Prior to the rendering of any of the foregoing advisory services, clients are required to enter into one or more written engagement agreements with VWM setting forth the relevant terms and conditions of the advisory relationship. Financial Planning and Consulting Services VWM offers clients a range of financial planning and consulting services, which include: Business Planning. Distribution of cash allocations between personal and business investments; selection of suitable corporate structure with input from legal counsel; divestiture and expansion strategies. Loan Needs Analysis. Selection of a suited borrowing strategy and instruments, including mortgages, business loans, personal credit lines, margin loans; negotiation of margin rates with custodians on behalf of clients; management of account margin; matching loan repayments and expected cash flows. Cash Flow Forecasting. Perform holistic analysis of in-house, as well as external cash-generating investments; scenario analysis to match spending and cash income; selection of investment vehicles to balance income generation versus total return over investment horizon. Tax Planning. Working with client’s tax advisor to select potential account structures (such as joint vs individual; selection of one of various types of trusts and so on) to minimize tax liability; timing sales of securities with unrealized gains or losses to shift tax burden to the appropriate tax period; location of securities to taxable and tax deferred accounts of a given household to reduce tax burden, without compromising total portfolio allocation. Retirement Planning. Income and spending projections, combined with macroeconomic scenario analysis, to plan for clients’ lifestyle during their retirement years; advice on employer stock options, grants, and other investment vehicles to avoid overconcentration in one asset, without forgoing financial benefits conferred by employer. Estate Planning. Facilitation of design of an appropriate estate plan in support of the client’s estate attorney, to minimize estate taxes and legal complication at the time of inheritance; analysis of inheritors’ financial needs and income projections to assess financial resources available to the next generation. Insurance Needs Analysis. Analysis of insurance needs and selection of insurance policy for the client; 1“Registration” means only that the Firm meets the minimum requirements for registration as an investment advisor and does not imply a certain level of skill or training or that the SEC or other regulator guarantees the quality of our services or recommends them. VESTA Wealth Management, LLC – Brochure and Brochure Supplement Page 4 of 18 integrating insurance policy proceeds into the

broad financial plans and projections. Education Planning. Opening of 529 college savings plan accounts; advising clients on funding strategies of such accounts to take advantage of tax savings; management of assets held in the 529 accounts. VWM may recommend the services of itself, its Supervised Persons in their individual capacities as insurance agents and/or other professionals to implement its recommendations. VWM has a conflict of interest if clients engage VWM to provide additional fee-based services. A conflict of interest exists when the Firm recommends its own services to implement any of its recommendations, and, as such; Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by VWM or effect a recommended transaction through the Firm under a stand-alone financial planning or consulting engagement or to engage the services of any such recommended professionals, including VWM itself. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising VWM’s previous recommendations and/or services. Investment Management and Wealth Management Services VWM manages client investment portfolios on a discretionary basis. In addition, VWM may provide clients with wealth management services which include a broad range of comprehensive financial planning and consulting services as well as discretionary management of investment portfolios. VWM primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities. Clients may also engage VWM to advise on certain investment products that are “held away” or not maintained at their primary custodian under a separate fee schedule (“Outside Custodian Fee Schedule”), such as variable life insurance and annuity contracts and assets held in employer-sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, VWM directs or recommends the allocation of client assets among the various investment options available with the product. These assets are typically maintained at the underwriting insurance company or the custodian designated by the product’s provider. VWM tailors its advisory services to meet the needs of its individual clients and continuously seeks to ensure that client portfolios are managed in a manner consistent with their specific investment profiles. VWM consults with clients on an initial and ongoing basis to determine their specific risk tolerance, time horizon, liquidity constraints and other qualitative factors relevant to the management of their portfolios. Clients are advised to promptly notify VWM if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. During the client onboarding process, Clients may request to impose reasonable restrictions or mandates on the management of their accounts if VWM determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Fiduciary Status When VWM provides investment advice to you regarding your investment accounts, including your retirement plan account or individual retirement account, we are fiduciaries within the meaning of certain state and federal laws such as the Employee Retirement Income Security Act and/or the Internal Revenue Code and the regulations of the U.S. Securities and Exchange Commission, as applicable. These regulations require us to act in your best interest and not put our interest ahead of yours.