About the Firm SkyOak Capital, Inc., a Nevada Corporation (“SkyOak,” the “Firm,” or “Advisor”) is an investment advisor registered with the SEC. SkyOak offers Private Wealth Management, Asset Management, and Corporate Retirement Services. The owner of the firm is Jennifer Davis. SkyOak is headquartered in Las Vegas, Nevada; has a branch office in Medford, Oregon; and a satellite location in San Francisco, California. SkyOak was founded in 2010 and operated as a registered investment advisor until October 2018. At that time, SkyOak entered into a combination transaction with another registered investment advisor, resulting in the creation of a new investment advisor entity called SkyOak Wealth, LLC (“SOW”). The Firm’s SEC registration was withdrawn. Subsequently, in May 2020, SkyOak re-registered as an investment advisor registered with the SEC, which was completed on July 1, 2020. As wealth management advisors, we provide a range of investment and planning solutions for individuals, families, corporations, private funds, retirement funds, endowments and foundations. Our services are described in greater detail below. As of December 31, 2023, SkyOak has $178,678,828.87 of assets under management. Private Wealth Management Private Wealth Management is customized to each client based on their financial circumstances, current and future income needs, investment objectives and risk profiles. Private Wealth Management services offered by SkyOak include investment management services, financial planning, consulting, and/or family office services to our clients. At the onset of a new client relationship, a member (or members) of our team will meet with you to discuss your financial situation, review your investment holdings and gather pertinent information about your circumstances. Based upon a review of this data and after understanding your financial goals and needs, we will recommend an appropriate plan of action which might include the following services: Investment Management Services, Financial Planning, Consulting and/or Family Office Services. Our interactions with you will be ongoing and will include topics such as your current and changing income or spending needs, current and future lifestyle changes or expectations, your risk tolerance, your family situation, work-related expectations and other factors affecting your financial life situation. Investment Management Services Our investment management services include investment and asset allocation strategy for your investment portfolio. We will provide discretionary investment models and strategies that are consistent with your stated investment objectives and risk tolerance. We will manage, monitor, rebalance and re- allocate your investments on an ongoing basis in accordance with your objectives. We will conduct investment reviews with you to evaluate investment performance and to update your financial circumstances as necessary. These investment reviews will generally run on an annual basis, but the frequency can differ based on client preference. Our investment management accounts are managed on a discretionary basis in accordance with their objectives. Specific securities that are bought and sold, as well as dollar values and diversification, are determined by us in each of the investment model portfolios that we manage. Each client will typically end up with their own customized mix of a blended portfolio. Financial Planning & Consulting Services Central to our client engagement process, SkyOak provides comprehensive financial planning services and/or project-based financial consultation services. While our planning services are typically integrated into a client’s overall Private Wealth advisory service and included in our management fee, we also provide similar planning-based services for a flat fee or on an hourly fee basis. Unless provided in connection with the investment management services described above, clients engaging SkyOak to provide financial planning or consultation services will generally be required to enter into a separate written agreement with SkyOak setting forth the terms and conditions of the planning engagement and describing the scope of the services to be provided. Financial planning/consultation clients are not required to become investment management clients of the Firm. The Firm’s financial planning/financial consultation-only clients retain absolute discretion over all their own implementation decisions. These clients remain free to accept or reject any of the firm’s recommendations. SkyOak might recommend its own investment management services or those of its professional staff or other professionals to implement recommendations. Financial planning and consultation clients are notified and advised that a potential conflict of interest does exist if the Firm recommends its own investment management services to implement financial plan recommendations. Moreover, if a client elects to act on any of the recommendations, the client is under no obligation to transact the recommendations through SkyOak as the investment advisor. Alternatives - Private Pooled Investments The Advisor offers and manages certain non-traditional alternative investment strategies such as hedge funds, private equity, real estate and other pooled investment vehicles. The Advisor acts as an Investment Manager (IM) to LVSI LP, a Nevada Limited Partnership formed to invest in equity income arbitrage focused investment vehicles. The Advisor also provides investment advisory services with respect to other unaffiliated and affiliated non-custodial partnership/private fund investments, which are not managed by the Advisor or held at the Primary Custodian. The client shall be required to review and complete the applicable private placement and/or account opening documents to establish these investments. For non-affiliated partnership/private fund investments, the Advisor may debit its fee for providing investment advisory services with respect to these non-affiliated relationships directly from a brokerage account designated by the client held at the Primary Custodian. For certain non- custodial partnership/private fund investments, the Advisor will not receive quarter-end investment valuations prior to its fee billing calculation. In such instances, the Advisor will use the most recent month- end or quarter-end valuation available for the calculation of investment advisory fees. The Advisor will recalculate its fee upon receipt of final valuations. Adjustments are reflected in the fee calculations for the next quarterly period. Family Office Services Private Wealth Client and other sophisticated clients

often need additional services and oversight due to the complexity and generational planning for certain clients. Under the Family Office services, additional services are offered such as philanthropic management, estate and wealth transfer, life management and budgeting, specialized reporting of assets, risk management, asset protection and insurance services. Clients will generally be required to enter into a separate written agreement with SkyOak setting forth the terms and conditions of the engagement and describing the scope of the services to be provided. Self- Directed IRA Services & Administration SkyOak (sometimes the “Designated Representative”) offers Self-Directed IRA services to IRA account holders who need assistance and/or expertise in facilitating transactions, opening a new account, monitoring transactions and/or acting as a liaison between the custodian and account holder for routine services. SkyOak, as the Designated Representative:
• Will act only as the designated liaison between Account Holder and the Custodian and will be limited to accessing account information only.
• Will not act as an investment advisor, trustee, sales agent, broker, accountant or attorney and will not have power of attorney or discretion over the assets of the Account.
• Cannot direct the payment of invoices or billings from the assets of the Account or direct payment of Account assets in any manner without the Account Holder’s written direction.
• Will not have the authority to make changes or to transact business on behalf of the Account Holder. The Designated Representative will not take possession of the Account Holder’s assets. Self-Directed IRA services are governed by a separate agreement entered into by and between the IRA Account holder and SkyOak as the Designated Representative. Corporate Retirement Services SkyOak and several of its advisors specialize in designing, implementing and managing corporate retirement plans. Depending on your situation, a SkyOak advisor will consult with you, provide education and information to you and recommend what they believe will best serve the needs of your organization (i.e., finding the best plan(s) and platform for you and/or your company). SkyOak can be engaged as a 3(21) non-discretionary or 3(38) discretionary fiduciary advisor. SkyOak will often collaborate with other providers such as record-keepers and third-party administrators in order to provide all necessary elements of a more integrated solution and services to its corporate retirement clients. ERISA Fiduciary Services offered by SkyOak:
• Development of an Investment Policy Statement (“IPS”). SkyOak will review plan objectives, risk tolerance and goals of the plan with the plan sponsor. SkyOak will help the plan sponsor establish an investment policy statement to state the investment policies and objectives of the plan. Plan sponsor will have the authority to adopt and implement the objectives and policies for the plan.
• Recommendations to Select Asset Classes. SkyOak will provide non-discretionary investment advice with regard to different asset classes and investment options available to help the plan fiduciary and/or plan administrators select asset classes and investment options consistent with the investment goals and objectives of the plan.
• Investment Strategy Review and Monitoring. SkyOak will conduct periodic due diligence and provide information, reports and recommendations to assist the plan fiduciary in monitoring and evaluating the performance of the investment options and asset allocations available in the plan. SkyOak will also provide information and recommendations to the plan fiduciary or plan administrators to remove or add investment options based on performance or other qualitative measures. ERISA Non-Fiduciary Services offered by SkyOak: In addition to the above-described fiduciary services, SkyOak offers the following non-fiduciary services solely in a capacity that is not considered a fiduciary under ERISA or any other applicable law:
• Plan Objectives and Design Options. SkyOak will assist the plan fiduciary in determining the plan objectives and structure of the plan. SkyOak will work with third party administrators for the plan.
• Investment Education. SkyOak will provide education for the plan fiduciary regarding asset classes and types of investment strategies available to the plan. Educational services will be general in nature and will not speak to the individual circumstances of plan participants. SkyOak does not provide fiduciary advice to plan participants.
• Plan Development and Service Providers. SkyOak will assist the plan fiduciary in evaluating plan service providers, including the selection and evaluation of a third-party administrator, if necessary. Other Information Related to our Advisory Services In performing its services, SkyOak relies upon the information received from its clients or from their professional legal and accounting advisors and is not able nor required to independently verify such information. Clients must promptly notify us of any material changes in their financial situation or shift in their investment objectives that would necessitate a review or revision by our advisors of the client’s portfolio and/or financial plan. As an investment advisory firm, we act as a fiduciary to our clients, meaning we owe them a duty and obligation to put their needs ahead of our own. To the extent any client is a retirement plan or other employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and depending on the investment management services provided by us, the Firm could be considered an ERISA Fiduciary. We do not sponsor or provide portfolio management services to wrap fee programs offered by broker- dealers or others. Termination Either party can terminate services by providing thirty (30) business days’ written notice. The Firm does not assess any fees related to a termination but is entitled to all management fees earned up to the date of termination. Any earned fees owed to SkyOak will be collected and billed against the client’s account on a pro-rata basis as determined by the amount of time remaining in the calendar month or quarter. Clients who terminate within five business days of entering into a written advisory agreement are entitled to a full refund of any pre-paid fees. Any transaction costs charged by the executing broker or custodian for establishing the custodial account or for trades occurring during those five days are non- refundable.