Company Overview Heritage Wealth Management, Inc. d/b/a Heritage Wealth Advisors (HWA), is an Ohio Sub S- Corporation that was founded in 2020 with its principal place of business in Ohio and is owned by David Holwadel, Jeff Thompson, and Lindsey Meredith. The foundation of Heritage Wealth Advisors’ business is to provide financial “peace of mind” during the lifetime of our clients. The challenge lies in the fact that each client is different – each person having unique goals and aspirations, certain fears and anxieties, as well as varying desires of involvement in the investment and financial planning process. HWA is a fee-only financial planning and investment advisory firm; therefore we do not sell commissioned products as part of our advisory services. Our firm is not affiliated with entities that sell financial products or securities, and does not receive commissions, referral or finder’s fees in any form. Our only compensation comes from the advisory fees our clients pay us. Types of Advisory Services Offered Heritage Wealth Advisors offer an array of advisory services to meet the needs of our clients. Following is a detailed description of each of those services: Financial Planning Our disciplined planning process accounts for your short and long-term goas, your risk tolerance, and your stage of life, while also keeping a watchful eye on today’s complex domestic and global markets. Our financial plans offer a high degree of personalization that matches your investments to your goals and ability to take on risk. We analyze potential opportunities to find the right fit for you, your family, and your goals, while also helping to manage your liabilities so you can feel confident in your complete financial picture. At least annually, we review your financial plan to ensure you remain on track to meet your goals. However, not all financial plans will need to be updated at each meeting. In between meetings and throughout the year, we are always available anytime for questions and adjustments to the plan. Portfolio Management We help you pursue your goals by constructing, managing and reviewing a broadly diversified portfolio that is fully customized to suit your needs. Through clear communication, we help you understand what you own and why, placing your best interests above all else. The portfolio strategies we pursue are modeled on those used by elite institutions to help us select a mix of asset classes that closely align with your individual preferences and appetite for risk. College Planning Supporting a child’s education can be one of the most rewarding aspects of success and one of the most important elements in your financial plan. With rising inflation and the high cost of education, planning to contribute may require an early start. There are a variety of investment vehicles and tax-efficient options to contribute to the overall cost of higher education. As your partner, our knowledge and professional guidance can help you analyze the tax benefits, ownership structure, risk, and contribution limits involved. We can even help with leftover education funds if your aspiring academic earns a scholarship or other academic award. Estate, Charitable Giving and Trusts We believe one of life’s greatest rewards is sharing your wealth with others. Managing assets to take care of one’s own needs and wants is one thing, but it takes additional planning and knowledgeable guidance to help ensure your financial legacy makes an enduring impact in the lives of loved ones or a favorite charity or cause. Retirement Planning There should be no compromise when it comes to your financial future. We work diligently to simplify life’s complexities with a full spectrum

of strategies for a tailored plan that we believe is the only one you’ll ever need. Retirement Accounts. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice)
• Never put our financial interests ahead of yours when making recommendations (give loyal advice)
• Avoid misleading statements about conflicts of interest, fees, and investments
• Follow policies and procedures designed to ensure that we give advice that is in your best interest
• Charge no more than a reasonable fee for our services, and
• Give your basic information about conflicts of interest. Additional Services Tax Preparation Heritage Wealth Advisors may offer additional services to Clients. For the 2023 tax year, clients who had a minimum of: 4 million or more in billable assets under management at a negotiated annual fee of 0.60% 3.5 million billable assets or more under management at a negotiated annual fee of 0.70% 3 million billable assets or more under management at a negotiated annual fee of 0.80% 2.465 million billable assets or more under management at 0.90% as valued during the 2022 December billing period, were eligible to be offered personal tax preparation by Veid & Veid Certified Public Accountants or Gutzwiller Tax and Accounting. This service is optional for Heritage Wealth Advisors to offer or not and clients are under no obligation to utilize it when offered. Heritage and the named accounting firms are not affiliated and we do not receive compensation for referrals to or from these firms. How We Tailor Our Client Relationships Our services are comprehensive and can cover all phases of life, from honing in on retirement planning for you to education planning for your children. We use a comprehensive discovery process to obtain a holistic view of your financial picture and focus on gaining a thorough understanding of our clients’ goals and objectives. Heritage Wealth Advisors will: Assess and learn about your objectives, your appetite for risk and your liquidity needs.  Create and narrow down the selection of investments and an allocation tailored to your financial needs and present them to you.  Implement the approved plan which has been uniquely suited to you.  Manage and monitor the progress towards your goals and objectives. We stay abreast of what’s ahead to help you remain equipped for the challenges of tomorrow. Wealth management and financial plans are based on the client's financial situation at the time we present the wealth management or financial plan to the client and are based on the information provided to us. The client must promptly notify us if his/her financial situation, goals, objectives or needs change. Certain assumptions are made with respect to interest rates, inflation rates, and use of past trends in the market and economy. Past performance is in no way an indication of future performance. We do not offer any guarantees or promises that a client's financial goals will be met. Client Assets Managed As of 12/31/2023, Heritage has discretionary assets under management totaling approximately $448,613,693 and approximately $47,775,227 of non-discretionary assets.