Firm Description and Types of Advisory Services Stolz & Associates, PS (the “Firm,” “we,” “us,” or “our,”) is an investment adviser registered with the Securities and Exchange Commission under the Investment Advisers Act of 1940, as amended. The Firm is a corporation formed in the State of Washington. We have been providing investment advisory services to our clients since 2000. Our Firm is owned by Andrew C. Stolz and Michelle T. Robinson. As explained more fully in this Brochure, we provide asset management, financial planning and consulting, and retirement plan consulting. We are dedicated to providing individuals, including high net worth individuals, families, and retirement plans with a wide array of investment advisory services. We provide our services through investment adviser representatives, or “IARs.” More information about each IAR providing advisory services may be obtained in the Brochure Supplement (Form ADV Part 2B) for the IAR, which is provided by the IAR before or at the time the IAR is engaged. IARs are required to obtain training and licenses to sell certain investments and services. Clients should carefully review the Brochure Supplement for the IAR that is engaged and determine the investments and services the IAR is licensed or qualified to sell. Advisory Services We provide wealth management services, and retirement plan consulting. Our services may be provided on a discretionary basis, meaning that we possess the discretion to buy and sell individual stocks, bonds, and other investments. Each of our asset management services is briefly described below. Wealth Management As part of our wealth management services, we provide a variety of financial planning to individuals, families and other clients based upon an analysis of the client’s current situation, goals, and objectives. Our plan may encompass one or more of the following: investment planning; retirement planning; estate planning; divorce consulting; charitable planning; education planning; corporate and personal tax planning; corporate structure; real estate analysis; mortgage/debt analysis; insurance analysis; lines of credit evaluation; and business and personal financial planning. Our financial plans usually include general recommendations for a course of activity and may include specific actions to be taken by the clients. For example, we may advise clients to begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings rates, or establish education or charitable giving programs. Once a financial plan is developed, we create individual investment portfolios, which may consist of individual stocks or bonds, exchange traded funds (“ETFs”), mutual funds, non- commission annuities and other public and private securities or investments. Each client’s portfolio is tailored to an individual investment strategy and to specific goals and objectives and may include some or all of the previously mentioned securities. Once the appropriate portfolio has been determined, we review the portfolio at least annually and, as necessary, we rebalance the portfolio based upon the client’s needs and stated goals and objectives. We may exercise discretion over the investment of the portfolio, or a portfolio may be maintained on a nondiscretionary basis. When granted discretionary authority, we will direct the investment and reinvestment of the assets in the client account(s) in securities and/or cash or cash equivalents. Alternatively, we may be granted non-discretionary authority, obtaining client consent prior to placing investment transactions on behalf of the client. Retirement Plan Consulting We offer various levels of advisory and consulting services to employee benefit plans and to the participants of such plans (“Participants”). These services are designed to assist plan sponsors (“Plan Sponsors”) in meeting their management and fiduciary obligations to the Participants under the Employee Retirement Income Securities Act (“ERISA”) and the Pension Protection Act of 2006 (“PPA”). We will provide services to Plan Sponsors and their Participants as described below. Generally, investment advice provided to Plan Sponsors and Participants is regulated under ERISA and the PPA. Plan Sponsors must make the ultimate decision to retain us for retirement plan consulting and other advisory services including, but not limited to, services at the participant level. The Plan Sponsor is free to seek independent advice about the appropriateness of any recommended services

for the plan. In this role, we may review some or all of the following areas: overview, investor circumstances, tax policy, reviews, diversification and investment constraints, selection/retention criteria for investments, investment monitoring and control procedures, and duties and responsibilities. Services include: Management of vendor relationships; Request for Proposals (“RFPs”); Assistance on plan design strategies; Fiduciary consulting and oversight; Investment Management; and Employee Education and Communication Services. Advisory services provided to retirement plans may be solely provided by IARs, or in combination with third parties and their retirement plan services. Individual Advice; Restrictions on Investing All of our advice is based on an assessment of each client’s individual needs, which we identify at the onset of each relationship using, as appropriate, client questionnaires and profiles, a review of existing investments and financial status, and other means. We review each client’s individual investments and investment profile at least annually. When a client’s investment profile needs a change, we receive notice or additional information and then modify our advice, as appropriate. If we manage a client’s portfolio, we permit a client to impose restrictions on the types of investments that are acquired or held. These restrictions must be reasonable and practicable and permit us to manage the account without undue difficulty. If we do not directly manage a client’s portfolio, such as when a third-party manager is designated, individually imposed restrictions on investments are generally not permitted. Value Services Wrap Fee Program We offer investment management services to new clients in the accumulation stage, through a Wrap Fee Program sponsored by a broker/dealer. A “wrap-fee” program is one that provides the client with investment management and brokerage execution services for an all-inclusive fee. We make investment selections and create portfolio models for this program. Clients should refer to the Wrap Fee Program Brochure (Form ADV Part 2A Appendix 1) provided by the broker/dealer for more detailed information about the services offered in the program. Fiduciary Statement We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act, (“ERISA”) and/or the Internal Revenue Code, (“IRC”), as applicable, which are laws governing retirement accounts. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. We must take into consideration each client’s objectives and act in the best interests of the client. We are prohibited from engaging in any activity that is in conflict with the interests of the client. We have the following responsibilities when working with a client:
• To render impartial advice;
• To make appropriate recommendations based on the client’s needs, financial circumstances, and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented in an accurate manner and not in a way to mislead;
• To have a reasonable basis, information, and understanding of the facts in order to provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and
• Treat clients fairly and equitably. Regulations prohibit us from:
• Employing any device, scheme, or artifice to defraud a client;
• Making any untrue statement of a material fact to a client or omitting to state a material fact when communicating with a client;
• Engaging in any act, practice, or course of business which operates or would operate as fraud or deceit upon a client; or
• Engaging in any manipulative act or practice with a client. We will act with competence, dignity, integrity, and in an ethical manner, when working with clients. We will use reasonable care and exercise independent professional judgement when conducting investment analysis, making investment recommendations, trading, promoting our services, and engaging in other professional activities. Assets Under Management As of December 31, 2023, we managed $199,442,103 in client assets; $180,826,223 managed on a discretionary basis, and $18,615,880 on a non-discretionary basis.