The Semus Wealth Wrap Program (the “Program”) is an investment advisory program sponsored by Semus Wealth Partners, LLC (“Semus Wealth” or the “Firm”). Semus Wealth is owned by Helen J. Semus. This Brochure describes the Program offered by Semus Wealth as defined under Rule 204-3(g)(4) of the Investment Advisers Act of 1940. Certain sections also discuss the activities of the Firm’s Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or any other person who provides investment advice on Semus Wealth’s behalf and is subject to the Firm’s supervision or control. In addition to the Program, the Firm offers a variety of advisory services, which include financial planning, consulting, and investment management services under different arrangements than those described herein. Information about these services is contained in the Firm’s Disclosure Brochure, which appears as Part 2A of the Firm’s Form ADV. Description of the Program The Program is offered as a wrap fee program, which provides clients with portfolio management services of Semus Wealth with the ability to trade in certain investment products without incurring separate brokerage commissions or transaction charges. A wrap fee program is considered as any arrangement under which clients receive investment advisory services (which may include portfolio management or advice concerning the selection of other investment advisers) and the execution of client transactions for a specified fee or fees not based upon transactions in their accounts. Prior to receiving services through the Program, clients are required to enter into a written agreement with Semus Wealth setting forth the relevant terms and conditions of the advisory relationship (the “Agreement”). Clients must also open a new securities brokerage account and complete a new account agreement with Schwab Advisor Services (“Schwab”), or another broker-dealer that Semus Wealth approves under the Program (collectively “Financial Institutions”). At the onset of the Program, clients complete an investor profile describing their individual investment objectives, liquidity and cash flow needs, time horizon and risk tolerance, as well as any other factors pertinent to their specific financial situations. After an analysis of the relevant information, Semus Wealth assists its clients in developing an appropriate strategy for managing their assets. Clients’ investment portfolios are generally managed on a discretionary basis by either Semus Wealth’s investment advisor representatives or an independent investment manager (“Independent Managers”), as recommended or selected by Semus Wealth. Semus Wealth and/or the Independent Managers generally allocate clients’ assets among the various investment products available under the Program, as described further in Item 6 (below). Semus Wealth will recommend clients engage the Firm for additional related services or its Supervised Persons in their individual capacities as insurance agents and/or other professionals to implement its recommendations. A conflict of interest exists if clients engage Semus Wealth to provide additional services for compensation. Clients retain discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Semus Wealth under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify Semus Wealth of any change in their financial situation or investment objectives for the purpose

of reviewing, evaluating, and revising Semus Wealth’s recommendations and/or services. P a g e 5 | 17 Fees Investment management services are offered through the Program on a fee basis, meaning that clients pay a single annualized fee based upon the value of the assets under management (the “Program Fee”). The annual Program Fee is up to 2% of the assets under management that is agreed upon with each client and set forth in a written agreement executed by Semus Wealth and the client. The Program Fee is prorated and charged monthly (or quarterly if an Independent Manager is used), in advance, based upon the value of the assets under management (including cash and cash equivalents) on the last day of the previous month or quarter. Factors to determine the annual fee may be based on, shall include, but not limited to, the size and nature of the relationship, the services rendered, the nature and complexity of the investments involved, time commitments, travel requirements, and utilization of Independent Managers. A portion of the Program Fee paid to Semus Wealth is used to cover the securities brokerage commissions and transactional costs attributed to the management of its clients’ portfolios, as well as the fees charged by the Independent Managers engaged to provide services under the Program. Services provided through the Program may cost clients more or less than purchasing these services separately. The number of transactions made in clients’ accounts, the size of the accounts, and the securities used to construct a portfolio, as well as the commissions charged for each transaction, determines the relative cost of the Program versus paying for execution on a per transaction basis and paying a separate fee for advisory services. Fees paid for the Program may also be higher or lower than fees charged by other sponsors of comparable investment advisory programs. Semus Wealth does not charge its clients higher advisory fees based on their trading activity, but clients should be aware that Semus Wealth may have an incentive to limit its trading activities in client accounts because Semus Wealth is charged for executed trades. Other Charges Clients may incur certain charges imposed by third parties in addition to the Program Fee such as charges imposed directly by a mutual fund, exchange-traded fund (“ETF”) or close end fund (“CEF”) in the account, which is disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), ticket charges associated with certain client-directed accommodations trades, fees for alternative assets, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, fees for trades executed away from the custodian, and other fees and taxes on brokerage accounts and securities transactions. Payment of Fees Semus Wealth generally deducts its Program Fee from a client’s investment account(s) held at his/her custodian. Upon engaging Semus Wealth to manage such account(s), a client grants Semus Wealth this limited authority through a written instruction to the custodian of his/her account(s). The fee generally is billed in advance on a monthly (or quarterly if an Independent Manager is used) basis, except that certain 401k plans generally are billed in arrears. Compensation for Recommending the Program Semus Wealth is the sponsor and portfolio manager of the Program. Semus Wealth has no internal arrangements in place whereby Supervised Persons recommending the Program are entitled to receive additional compensation as a result of clients’ participation in the Program.