Our Services Reuter James Wealth Management, LLC (“RJWM”) is a registered investment adviser that provides investment management and financial advisory services to individual investors to help them achieve their financial needs and goals. RJWM is solely owned by Kyle Reuter and Jeffrey James and has been a registered investment adviser since 2021. Our firm takes pride in providing personalized service to our clients and acknowledges that it is held to a fiduciary standard of care. RJWM offers portfolio management services through a wrap fee program. A bundled or “wrap fee” program is an advisory fee program under which you pay one bundled fee to compensate RJWM for portfolio management and trade execution. A wrap fee program may not be the lowest cost option if you would like to restrict your investments to open-end mutual funds or other long-term investment products. RJWM manages client portfolios primarily through the use of models generally referred to as Conservative, Moderate and Growth. The use of a particular model within a client portfolio is determined upon each client’s individual circumstances as goals. RJWM also utilizes third-party managers for the management of client portfolios. Please see Item 6 – Portfolio Manager Selection and Evaluation for more information regarding the use of independent managers. Fees and Compensation Fees for portfolio management services are based on assets under management and are payable quarterly in advance. RJWM may negotiate advisory fees at our sole discretion. Our graduated fee schedule for new clients is as follows: Assets Under Management Maximum Annual Advisory Fee $0 - $1,000,000 1.25% Next $1,500,000 1.00% Next $2,500,000 0.75% Above $5,000,000 0.50% This fee schedule may be based on cumulative household assets under management. However, certain ERISA rules prevent householding corporate plans with personal assets for fee reductions. Existing clients will be grandfathered and charged according to their existing fee rate and may pay a higher fee than those outlined in the graduated fee schedule above. You should refer to your advisory agreement for your specific fee rate(s). RJWM, in our sole discretion, may waive the annual fee based upon certain criteria, including, but not limited to, anticipated future earning capacity and/or additional assets, dollar amount of assets to be managed, related accounts, account composition, pre-existing client relationships, account retention, and pro bono activities. For investment and wealth management services RJWM provides to certain clients or for specific client holdings (e.g., held-away assets, 529 plans, etc.), we may negotiate a fee rate that differs from our standard fee schedule. Programs Offered Through Wells Fargo Advisors Fees for advisory programs offered through Wells Fargo Advisors are inclusive of RJWM’s and Wells Fargo Advisors’ advisory fees and are as follows: Program Program Type Maximum Annual Advisory Fee Private Advisor Network Separately Managed Account $0 - $1,000,000:

2.00% Next $1,500,000: 1.75% Next $2,500,000: 1.50% Above $5,000,000: 1.25% Personalized Unified Managed Account Unified Managed Account 2% FundSource® Mutual Fund Advisory Program 1.5% Wells Fargo Advisors will calculate and directly debit advisory fees from the clients’ accounts for assets within their programs. The value of assets held in any Wells Fargo Advisor program are excluded from the amount of total household assets used to determine RJWM’s advisory fees for other assets of a client that are managed by RJWM. Selection of Other Independent Managers Fees for other Independent Managers used to manage all or a portion of a client’s account are set forth by the Independent Manager and are in addition to RJWM’s fees. You should refer to the Independent Manager’s investment management agreement and Form ADV Part 2A Brochure for information on their fees and compensation. Costs of Our Program Fees for our portfolio management services may be higher than fees charged by other advisers who sponsor similar programs, or if you paid separately for investment advice and other services. Fees for our wrap fee program include brokerage, clearing and custodial costs as well as our portfolio management fee. You may be charged different fees than similarly situated clients for the same services. Your specific wrap fee is described in your investment management agreement. You should carefully review this brochure to understand the fees and other sources of compensation we receive prior to entering into an investment advisory contract with our firm. Other Types of Fees You May Incur You may incur additional charges imposed by custodians, broker-dealers, investment companies and other third parties, such as fees charged by Independent Managers, account maintenance fees, transfer taxes, wire transfer and electronic fund fees and other fees and taxes on securities transactions. Such charges and fees are exclusive of and in addition to RJWM’s fees. You are responsible for payment of any and all taxes that may be due as a result of any transactions in your account. In addition to advisory fees, you are responsible for paying any management and other fund-related expenses for any mutual funds in which your account assets are invested. This includes redemption fees imposed by the mutual fund or custodian as a result of a transaction-related request you initiate (such as a partial or complete liquidation of your account). Distribution or “12b-1” fees paid by any mutual funds in which your account assets are invested are credited back to your account for your benefit. Our Compensation for Your Participation in the Program RJWM generally acts as both the sponsor and portfolio manager of the wrap fee program but may engage a third- party money manager to act as portfolio for all or a portion of an account. This means we receive compensation as a result of your participation in the program, which gives us an incentive to recommend the program over other programs or services. The amount of this compensation may be more than what we would receive if you paid separately for investment advice, brokerage, and other services. We encourage you to consider your anticipated level of trading activity and compare the costs you may incur in the program versus an unbundled portfolio management program.