Andrea B. Darden is the founder and the current CEO of Darden Wealth Group. Darden Wealth Group provides a client-first advisory experience for private clients, foundations, educational institutions and not-for-profit companies. Darden Wealth Group starts with the belief a financial plan is the blueprint to not only a successful financial future, but also is the foundation of our relationship with our clients. With all services, we will gather the temperature of your financial health creating this financial plan. We start this process with a financial planning assessment. During our financial planning assessment, Darden Wealth Group will take into account your time horizon, goals which may include retirement, educational planning, charitable gifting, family gifting, and the legacy of the account. Utilizing your unique financial picture, we will map out an individualized plan taking an in depth look at risk, investment preferences and growth concerns, then craft a financial strategy. Your individualized financial plan (and investment strategy if clients are wealth management clients) is the cornerstone of all investment decisions. For wealth management clients, clients are able to set restrictions, within reason, as to what investments we use to meet their stated financial goals. A client can decide to work with us on an hourly basis for consulting work on financial planning or on an asset-based fee for ongoing wealth management services. We offer the following services on either an hourly planning basis or an ongoing wealth management basis: Private Wealth Management, Financial Planning, Retirement Plan Management, Retirement Income Solutions, Major Spending Consultation, Financial Abuse Prevention, University Faculty Wealth Management, and Pension and Retirement Benefits. Ongoing Wealth Management For ongoing financial services, we allow our clients to pick the custodian of their choice. We have clients sign an advisory agreement giving us discretionary authority over their accounts, which allows us to make sales and purchases on their behalf. We are fiduciaries of all the assets we manage, which means we are required to act in our client’s best interest at all times. Most investment recommendations for clients consist primarily of stocks, mutual funds, exchange traded funds (“ETFs”), corporate, municipal or Treasury bonds, CDs and Cash. Pension Consulting Services Hourly Financial Planning Clients may elect to hire us strictly for financial planning work. The same attention to detail we pay to the financial plans of our Wealth Management Clients, we can do on an hourly basis for clients just starting out or a fixed fee for ongoing services. While we can and will recommend ideal allocations we cannot recommend specific securities for hourly financial planning clients. We offer more comprehensive financial planning services on an ongoing fixed fee basis. Small Business Consulting Providing advice, information, insights, and recommendations to assist entrepreneurs and companies in achieving their objectives and resolving challenges. Provide guidance on various aspects of business to optimize performance and drive success. This will include creating a personalized business plan. Business Owner & Entrepreneur Services ● Business Plan Development and annual updates for Small Businesses ● S.W.O.T. Analysis ● Cash Flow Analysis ● Risk Management and Insurance Analysis ● Business Valuation ● Employee Benefits Optimization ● Tax Planning Strategies ● Business Succession Planning ● Coordination with CPA, Attorney, and other professionals to maximize opportunities within your company. ● Meetings and strategic coordination with your financial team (attorney, banker, accountant, insurance agent) Pension and Retirement Benefits Darden Wealth Group offers consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: ● identifying investment objectives and restrictions ● providing guidance on various assets classes and investment options ● recommending money managers to manage plan assets in ways designed to achieve objectives ● monitoring performance of money managers and investment options and making recommendations for changes ● recommending other service providers, such as custodians, administrators and broker-dealers ● creating a written pension consulting plan These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. As of December 2023, we have $ 242,600,975.00 of discretionary assets and $ 7,678,586 .00 on a non-discretionary basis. We look forward to partnering with our clients throughout their lives. Fees & Compensation (Item 5) We strive to be a true “no-conflict of interest” advisor. We do not derive any payment from our clients, either directly or indirectly, other than our hourly fees and/or our ongoing asset-based fee. We do not sell any products. We can be flexible when it makes sense to fit a client’s needs as we view ourselves as a partner with our clients. Financial Planning Only Clients Basic One time setup fee of $1,000 due upon signing the Engagement Agreement. Flat fee of $1,250 per quarter. Ongoing Comprehensive ● Recommendations for customized portfolios for all investment accounts. ● Annual rebalancing recommendations for all investment accounts. ● Semi-annual strategic plan review and update meetings. Premium One time setup fee of $1,500 due upon signing the Engagement Agreement. Flat fee of $2,500 per quarter. Ongoing Comprehensive ● Non-Discretionary Asset management for household

portfolios up to $1M - the client pays no AUM fees. ● Annual customized portfolio rebalancing. ● Quarterly strategic plan review and update meetings. ● Review and Analysis of financial/legal documents for planning opportunities. Concierge One time setup fee of $2,000 due upon signing the Engagement Agreement. Flat fee of $3,750 per quarter. Ongoing Comprehensive ● Non-Discretionary Asset management for household portfolios greater than $1M - the client pays no AUM fees. ● Semi-Annual customized portfolio rebalancing. ● Monthly Check-ins and Quarterly strategic plan review and update meetings. ● Review and Analysis of financial/legal documents for planning opportunities. ● Meetings and strategic coordination with your financial team (attorney, banker, accountant, insurance agent). ● Develop and implement your personal philanthropy plan, including education and synchronization with your comprehensive financial plan and tax strategy. For clients choosing to pay hourly, our rate is $375 per hour payable at delivery of the financial plan or advice given. We accept checks only, made out to “Darden Wealth Group”. This does not include individual security recommendations. At DWG, we are not attorneys or accountants. We cannot give legal or tax advice but can incorporate the advice of a professional into your plan. We have partners we recommend you interview for this service, if requested. Small Business Consulting Fees Fees are a minimum of $1,500 a quarter charged in advance or $375 per hour for those clients who would prefer to pay the hourly rate. Wealth Management Clients For clients choosing to participate in ongoing management, we offer three different levels of service. For all wealth management service plans, the following fees are debited from the client’s account(s). If you would prefer to pay by check, this can be negotiated under special circumstances. Annual Wealth Management Fee Schedules Household assets Darden Advantage Plus Darden Advantage Darden Community Advantage < 500k n/a 2.00% 0.50% Negotiable Under Certain Circumstances First $1 Million 1.00% Next $1 Million 0.90% Next $1 Million 0.80% Next $1 Million 0.70% Next $1 Million 0.60% Above $5 Million Negotiable Under all service plans, managed Individual Retirement Plan Assets (403(b)/401(a)/457/401(k) plans) are charged a discounted flat fee of 0.5% of assets under management unless total household assets are below 500k. All advisory fees are computed and deducted quarterly. The fees on portfolio values are computed at one-quarter of the annual rate based upon the previous business day valuation from the date charged. No fees are charged before any services are provided. All stock-based investment accounts above 500k use Darden Advantage Plus fee schedule. Darden Advantage Plus: This service is available for clients with at least $500,000 in investable assets. As a part of the Advantage Plus service, clients receive ongoing financial planning service without any extra fees. Depending on the account size, investments are usually managed using individual stocks, and/or index ETFs. Darden Advantage Clients: This service is available to clients with less than $500,000 in investable household assets. Investments are usually managed using index ETFs/funds. As a part of the Advantage service, clients receive ongoing financial planning service without any extra fees. Darden Community Advantage: This reduced fee service is only available to foundations and nonprofit entities (501[c][3] organizations). Depending on the account size, investments are usually managed using individual stocks, and/or index ETFs and adheres to the organization’s investment guidelines. Fees are negotiable, under special circumstances. Clients are responsible for any additional fees their custodian may charge for brokerage fees, wire transfers, transaction costs, trading commissions, etc. These fees are paid directly to the custodian for their services. Please see pages “Brokerage Practices” on page 8 for more details. We focus on individual stocks and bonds in client accounts to reduce fees, and for increased control. When portfolios include mutual funds and/or exchange traded funds (“ETFs”), a layering of fees can occur, as these vehicles have internal fees paid directly to the fund. All funds charge annual expenses to cover the fund’s operating costs, including management fees, distribution and service fees (commonly known as 12b-1 fees), and general administrative expenses. These expenses are deducted from the fund before its returns are calculated. Pension Consulting Services Fees The rate for pension consulting services is: $1 - $6m = 0.50% Plans over $6 Million are charged a fixed fee for retirement plan and consulting services. Minimum quarterly fees are $250 for the first $200,000 of assets under management. There is a one time plan set-up fee of $500 to $2,000 depending on scope of services needed by the Plan Sponsor and employee base. The fixed fee varies depending on the number of participants, and the level and scope of the services required. The fee is negotiable under special circumstances. Fees are payable in advance on a quarterly basis and will be deducted from plan assets or from each participant as allowed by plan rules. Employers may also choose to pay plans fees directly via check or bank draft. Educational Seminars/Workshops Darden Wealth Group provides periodic educational seminars and workshops to clients and the general public. The hourly rate for this service is $375 an hour, which includes prep time (at least 1 hour) plus scheduled workshop time. Fees are paid in arrears via AdvicePay or check.