A. Firm Information RiversEdge Advisors, LLC dba RiversEdge Advisors (“RiversEdge Advisors” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). RiversEdge Advisors is organized as a limited liability company under the laws of the State of Delaware. RiversEdge Advisors was founded in August 2018 and is owned and operated by Brian J. Carney and Jarrett F. Morris. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by RiversEdge Advisors. For questions regarding this Disclosure Brochure, please contact Jarrett Morris at (302) 573-6864. B. Advisory Services Offered RiversEdge Advisors offers advisory services to individuals, high net worth individuals, families, trusts, estates, businesses retirement plans and insurance companies (each referred to as a “Client”). RiversEdge Advisors provides a comprehensive approach to its wealth advisory services. Services are tailored to the unique needs of each Client. The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. RiversEdge Advisors’ fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services RiversEdge Advisors provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary and non-discretionary investment management and related advisory services. RiversEdge Advisors works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create an investment strategy. The Advisor may retain legacy investments based on portfolio fit and/or tax considerations. The Advisor’s investment philosophy is based primarily on modern portfolio theory. The Advisor will develop a strategic asset allocation for the Client based on the Client’s unique situation. The Advisor will then construct an investment portfolio primarily utilizing exchange-traded funds (“ETFs”). The Advisor may also incorporate open-end mutual funds, individual equity securities and/or individual fixed income securities in a Client’s portfolio. For mutual funds, the Advisor primarily selects passive managers and will seek institutional share classes when available. RiversEdge Advisors will select, recommend and/or retain mutual funds on a fund by fund basis. Due to specific custodial and/or mutual fund company constraints, material tax consideration, and/or systematic investment plans, RiversEdge Advisors will select, recommend and/or retain a mutual fund share class that does not have trading costs, but do have higher internal expense ratios than institutional share classes. RiversEdge Advisors will seek to select the lowest cost share class available that is in the best interest of each Client and will ensure the selection aligns with the Client’s financial objectives and stated investment guidelines. RiversEdge Advisors typically employs a long-term investment approach for Clients, but may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. RiversEdge Advisors will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. RiversEdge Advisors may also provide ongoing advice on assets held away at custodians with which RiversEdge Advisors does not have a relationship. This includes direct management of 401ks, 403bs, 529 plans, and other assets where RiversEdge Advisors has discretion and may leverage an Order Management System to implement allocation or rebalancing strategies on behalf of the client. The client securely logs into the order management system and allows RiversEdge Advisors to manage accounts without taking custody of assets. RiversEdge Advisors regularly reviews the current holdings and available investment options in these accounts, monitors the accounts, rebalances and implements RiversEdge Advisors’ strategies as necessary. In limited circumstances, RiversEdge Advisors provides ongoing advice for non-discretionary, held-away accounts. Page 5 Financial Planning Services RiversEdge Advisors will typically provide to its Clients a variety of financial planning services. Financial planning services may be included in an overall wealth management engagement or provided as a separate service, pursuant to the terms of the agreement with the Client. Services may be provided in several areas of a Client’s financial situation, depending on their goals and objectives. Planning may encompass one or more areas of need, including, but not limited to investment planning, retirement planning, distributions, personal savings, education savings, spending, insurance needs, estate planning, charitable strategies, and other areas of a Client’s financial situation. RiversEdge Advisors may deliver specific planning modules to the Client or a comprehensive plan, based on the needs of the Client. In certain circumstances, RiversEdge Advisors may also refer Clients to an accountant, attorney or other specialist, as appropriate for the Client’s unique situation. For certain financial planning engagements, the Advisor will generally provide a written report that contains observations and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Financial planning recommendations pose a conflict

between the interests of the Advisor and the interests of the Client. For example, a recommendation to engage the Advisor for investment management services or to increase the level of investment assets with the Advisor would pose a conflict, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Retirement Plan Advisory Services RiversEdge Advisors provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include:
• Vendor Analysis
• Plan Participant Enrollment and Education
• Investment Policy Statement (“IPS”) Design and Monitoring
• Investment Oversight Services (ERISA 3(21)
• Investment Management Services (ERISA 3(38)
• Performance Reporting
• Ongoing Investment Recommendation and Assistance
• ERISA 404(c) Assistance RiversEdge Advisors may provide investment advisory services on behalf of the Plan and Plan Sponsor, which may be in either a 3(21) or 3(38) context depending on whether or not the Advisor is also providing discretionary investment management over the Plan assets. For 3(38) services, the Advisor shall have the discretion to select the investments for the Plan and/or make investment decisions on behalf of Plan Participants. These services are provided by RiversEdge Advisors serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of RiversEdge Advisors’ fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. Orion Cash & Credit Program The Orion Cash & Credit Program is offered through Focus Orion Solutions, LLC and allows advisors doing business with Orion to offer lending and cash management solutions that integrate with Orion’s advisor and client portals. Orion Cash & Credit includes access to a range of securities-backed and insurance premium finance lines of credit, commercial and business loans, and mortgages, as well as FDIC-insured deposit programs. These solutions are made available through Orion’s financial institution partners. Business Advisory Services RiversEdge Advisors offers consulting services to businesses tailored to address the specific needs requested by the business. These services are not considered investment advisory services and therefore may, at times, be provided by employees of RiversEdge who are not investment adviser representatives of RiversEdge. The agreed upon services will be outlined in the agreement and may include assistance in operational matters, business cash flow forecasting, accounting, tax planning, or human resource support. The fees for these services will vary depending on Page 6 the scope of the services being provided and will be assessed on a retainer, fixed, or hourly fee basis. Written Acknowledgement of Fiduciary Status 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 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 interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recomm endations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. C. Client Account Management Prior to engaging RiversEdge Advisors to provide advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy – RiversEdge Advisors will work with each Client to develop a strategy that seeks to achieve the Client’s goals and objectives.
• Asset Allocation – RiversEdge Advisors will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client.
• Portfolio Construction – RiversEdge Advisors will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – RiversEdge Advisors will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs RiversEdge Advisors does not manage or place Client assets into a wrap fee program. E. Assets Under Management As of December 31, 2022, RiversEdge Advisors manages $452,704,111 in Client assets, $452,684,095 of which are managed on a discretionary basis and $20,016 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor.