Redwood Wealth Management, LLC (“Redwood”) is an SEC Registered Investment Advisory Firm. Redwood is solely owned by Redwood Holdings, LLC; Benjamin Lincoln is the President, CEO, CCO and owner of Redwood Holdings, LLC. Redwood does not currently offer a wrap fee program. Redwood offers a non-wrap fee program, in which Redwood’s fees are charged separately and in addition to brokerage custody fees, commissions, transaction fees, and other related costs and expenses which shall be incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third party investment and other third parties such as fees charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and exchange traded funds also charge internal management fees, which are disclosed in the fund’s prospectus. Such charges, fees and commissions are exclusive of and in addition to Redwood’s fee, and Redwood shall not receive any portion of these commissions, fees, and costs. Account Management: Redwood provides advisory services, giving continuous advice based on the client’s individual needs. Advisory services are tailored to the individual needs of clients. This is done through personal discussions in which goals and objectives based upon the client’s personal objectives are established, the firm will develop a personal investment policy based upon an investment objective questionnaire and manage the portfolio according to the criteria. Advisors provide advice on the purchase and sale of various types of investments, such as mutual funds, exchange-traded funds (“ETFs”), equities, fixed income securities and alternative investments. Each client and prospective client of Redwood will be provided with a current Firm Brochure Document (ADV Part 2A). Any client who is not presented with the Firm Brochure Document at least 48 hours prior to signing an agreement, has five business days in which to cancel, with no penalty assessed. Each client has the ability to impose reasonable restrictions on the management of his/her account, including the designation of particular securities or types of securities that should not be purchased for the account, or that should be sold if held in

the account. If a client’s instructions are unreasonable or an Investment Advisor Representative believes that the instructions are inappropriate for the client, Redwood will notify the client that, unless the instructions are modified, it may cancel the instructions in the client’s account. A client will not be able to provide instructions that prohibit or restrict the Investment Adviser of an open-end or closed-end mutual fund or ETF with respect to the purchase or sale of specific securities or types of securities within the fund. Separate Accounts: Redwood may recommend the services of a third-party investment manager. Through Separate Accounts, Redwood assists clients to systematically create a diversified portfolio based on the information provided by the client and based on their investment objectives and individual needs. From this information, accounts will be managed in the form of a Model Portfolio in the Separate Account. Through the Separate Accounts, Redwood will be responsible for assisting you with identifying your risk tolerance and investment objectives and recommending a Separate Account manager. The third-party investment manager will have the power and authority to supervise and direct all investment decisions for those accounts designated by Redwood on a discretionary basis, including the purchase and sale of securities and any other transactions unless specifically directed otherwise in writing. Redwood monitors the use of investment managers and ensures clients are placed with managers that are appropriate for the client’s risk tolerance and goals. The services provided by an Investment Adviser Representative when recommending a third-party investment manager include the following: manager due diligence, risk tolerance assessment, asset allocation, financial planning, client servicing. Prior to selecting other advisers, Redwood’s due diligence includes the confirmation that each of these other managers is properly licensed and registered as an investment adviser. When discretionary authority is provided, Redwood will have the authority to allocate and reallocate client assets among various third- party investment managers. The firm may manage assets on a discretionary basis, as specified. As of December 2023, the firm had $381,000,000.00 in discretionary assets under management.