Firm Description and Principal Owners Sapphire Blue Investment Partners, Inc. (“SBIP”) is a registered investment adviser primarily based in Fenton, Michigan. SBIP is also doing business as Physicians Wealth Management Services, LTD. SBIP is organized as a corporation under the laws of the State of Michigan. Fred and Tracy Hensler are the sole owners of SBIP, which began providing investment advisory services in 2018. The following paragraphs describe our services and fees. Refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we", "our" and "us" refer to SBIP and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Types of Advisory Services Comprehensive Portfolio Management We offer discretionary and non-discretionary portfolio management services. Our investment advice is tailored to meet our clients' needs and investment objectives. If you retain our firm for portfolio management services, we will meet with you to determine your investment objectives, risk tolerance, and other relevant information at the beginning of our advisory relationship. We will use the information we gather to develop a strategy that enables our firm to give you continuous and focused investment advice and/or to make investments on your behalf. As part of our portfolio management services, we will customize an investment portfolio for you according to your risk tolerance and investing objectives. Once we construct an investment portfolio for you, we will monitor your portfolio's performance on an ongoing basis and will rebalance the portfolio as required by changes in market conditions and in your financial circumstances. If you participate in our discretionary portfolio management services, we require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow us to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm and the appropriate trading authorization forms. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. If you enter into non- discretionary arrangements with our firm, we must obtain your approval prior to executing any transactions on behalf of your account. Consulting Services for Retirement Plans We offer retirement plan consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include an existing plan review and analysis, plan-level advice regarding fund selection and investment options, education services to plan participants, investment performance monitoring, and/or ongoing consulting. Retirement plan consulting services are offered on a discretionary and non-discretionary basis. The specific nature of the advisory relationship and services to be provided will be set forth in the written retirement plan consulting agreement between us and the client. When we act in a non-discretionary capacity for a retirement plan consulting client, we are acting as a paid professional that provides investment consulting and/or recommendations to the plan sponsor/trustee. The plan sponsor/trustee retains ultimate decision-making authority for the plan investments and may accept or reject the recommendations. We will not make investment decisions or take actions on behalf of the plan. The plan sponsor/trustee retains all fiduciary authority and responsibility for the plan. When we act in a discretionary capacity for a retirement plan consulting client, we may select, monitor, remove, and replace the investment options offered under the plan in our discretion. Once appointed, we will have fiduciary responsibility under ERISA for its investment decisions for the plan, subject to the terms of the plan documents, its investment

policy statement and specific directions from the plan sponsor/trustee. We may also assist with participant enrollment meetings and provide investment-related educational seminars to plan participants on such topics as:
• Diversification
• Asset allocation
• Risk tolerance
• Time horizon Our educational seminars may include other investment-related topics specific to the particular plan. We may also provide additional types of retirement plan consulting services to plans on an individually negotiated basis. All services, whether discussed above or customized for the plan based upon requirements from the plan fiduciaries (which may include additional plan-level or participant-level services) shall be detailed in a written agreement and be consistent with the parameters set forth in the plan documents. Selection of Other Advisers As part of our investment advisory services, we may recommend that you use the services of a third- party money manager ("MM") to manage all or portion of your investment portfolio. After gathering information about your financial situation and objectives, we may recommend that you engage a specific MM or investment program or a combination of MMs or investment programs. Factors that we take into consideration when making our recommendation include, but are not limited to, the following: the MMs performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. We will periodically monitor the MMs’ performance to ensure its management and investment style remains aligned with your investment goals and objectives. The MMs will actively manage your portfolio and will assume discretionary investment authority over your account. We will assume discretionary authority to hire and fire MMs and/or reallocate your assets to other MMs. Wrap Fee Program We are a sponsor of a wrap fee program, SBIP Wrap Fee Program (the "Program"), which is a type of investment program that provides clients with access to several money managers or mutual fund asset allocation models for a single fee that includes administrative fees, management fees, and commissions. If you participate in our wrap fee program, you will pay our firm a single fee, which includes our money management fees, transaction costs, and custodial and administrative costs. We receive a portion of the wrap fee for our services; this arrangement creates a conflict of interest as an incentive exists for us to limit activities, such as trading, that would result in transaction, custodial, and administrative costs charged by the custodian, thereby allowing us to retain a greater portion of the wrap fee. We have policies and procedures to manage this risk. The overall cost you will incur if you participate in our wrap fee program may be higher or lower than you might incur by separately purchasing the types of securities available in the program. Transactions for your wrap account are primarily executed by Charles Schwab & Company ("Schwab”), a securities broker dealer and a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC), to maintain custody of clients' assets and to effect trades for their accounts. To compare the cost of the wrap fee program with non-wrap fee portfolio management services, you should consider the frequency of trading activity associated with our investment strategies and the brokerage commissions charged by Schwab, or other broker-dealers, and the advisory fees charged by investment advisers. For more information concerning the Wrap Fee Program, please see Appendix 1 to this Brochure. Types of Investments We primarily offer advice on unit investment trusts, exchange traded funds (ETFs), stocks, bonds, and mutual funds. Additionally, we may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship. Assets Under Management As of December 31, 2023, we provide continuous management services for $199,241,570 in client assets on a discretionary basis, and $1,442,347 in client assets on a non-discretionary basis.