Description of the Advisory Firm Prevail Wealth Management, LLC (“Prevail”, ”us”, “we”, or “our”) is an independent fee-only independent financial services firm headquartered in Kirkland, Washington. Prevail was established in 2012 by principal owner and founder, Amy Marie Mutal AWMA®, AIF®. Prevail offers ongoing personalized financial planning, wealth management, and investment advisory services primarily to individuals and high net worth individuals or families, as well as trusts, foundations, endowments, non-profit organizations, and other business entities herein referred to each as “Client” and collectively “Clients”. As a fiduciary, Prevail acts in Clients’ best interest and fulfills its obligation by working closely with Clients to identify and understand their investment objectives while building a long-term relationship. Our approach is to help each Client achieve their financial goals through a process that includes education, evaluating goals and resources, then developing appropriate asset allocation strategies to meet those goals. Our advisory services are made available to Clients through investment advisory representatives (“Advisor”) associated with Prevail. For more information about the individual Advisor providing advisory services, please refer to the Brochure Supplement (Part 2B) for that Advisor. The Brochure Supplement is a separate document provided to you along with this Brochure before or at the time you engage us. If you did not receive a Brochure Supplement, please contact the Advisor or the Prevail office. Types of Advisory Services Financial Planning Our financial planning services are typically offered as:
• limited engagement to assess, review or make recommendations on a specific issue;
• comprehensive evaluation process in which numerous strategic recommendations are given;
• continuous engagement of planning review, strategic adjustments, and implementation. We gather required information through in-depth personal interviews. Information gathered includes the Client's current financial status, tax status, future goals, return objectives and attitudes towards risk. We carefully review documents supplied by the Client, then prepare recommendations. In general, our financial planning services can address any of the following areas: Personal: We review family records, budgeting, personal liabilities, estate information and financial goals. Cash Flow: We analyze the Client’s current and future cash flow needs. We then illustrate the possible impact of various tax strategies and investment decisions on the Client's future ability to create the income desired. Investments: We analyze the Client’s current investment resources to determine how they might align with the Client’s objectives. During this analysis we review the tax efficiency, fees and expenses, diversification, risk, and investment performance. Risk Management: We review potential threats to the Client’s financial well-being from unexpected circumstances and then propose strategies to manage risks. Charitable Planning: We assess tax efficient strategies and assist in the setup and management of various types of donor-advised funds for the purposes of donating cash, securities, or appreciated assets. P r e v a i l W e a l t h M a n a g e m e n t , L L C P a g e 5 | 16 The resulting recommendations of the financial planning service is dependent on the breadth and quality of the data used in building it. In performing our services, we are not required to verify any information received from the Client or from the Client’s other professionals. Moreover, each Client is advised that it remains his or her responsibility to promptly notify us regarding any change in the Client’s financial situation or investment objectives during the Client engagement. Typically, the financial plan recommendations are presented to the Client within four weeks of the contract date, provided that all information needed to prepare the financial plan has been promptly provided. Should the Client implement the plan recommendations, we suggest the Client work closely with his/her chosen professionals. Implementation of financial plan recommendations that don’t include our Investment Advisory Services is entirely at the Client's discretion. Investment Advisory Services: Overview Prevail offers ongoing wealth management and investment advisory services tailored to the individual goals, objectives, time horizon, risk tolerance, and liquidity needs of each Client. Once the Client’s particular circumstances are established, we create a personal Investment Policy Statement (IPS) for that Client. The IPS outlines the Client’s stated investment objectives, tolerance for risk, liquidity, and suitability. As appropriate, we also review and discuss a Client's prior investment history, as well as family composition and background. We generally manage assets in advisory accounts on a discretionary basis, meaning the Client consents to granting us investment control for making trades or allocation adjustments in accordance with the investment plan we have developed with the Client. Investment Advisory Services: Individual Portfolio Management Individual portfolio management services are typically designed to accommodate existing Client assets during a limited transition period when transition to a Prevail Select model portfolio could create short term adverse tax consequences. We typically evaluate investment securities including Exchange-listed securities (ETF), Mutual fund shares, Stocks, and Bonds. On a case-by-case basis, we will evaluate other assets. Because some types of investments involve certain additional degrees of risk, they will only be retained when consistent with the Client's written IPS. Investment Advisory Services: Prevail Select Model Portfolio Management Prevail provides model portfolio management services to Clients using balanced asset allocation portfolios. Prevail Select model portfolios are designed to meet specific investment profiles in terms of risk and expected return over specific time horizons. They typically have a range of equity exposure from 0% to 90% and are structured with a combination of ETFs, no-load index funds, mutual fund shares, fixed income, alternative assets, and cash. Our Select model portfolios are not limited to any specific investment offered by a custodian or fund family and are often globally diversified. Select model portfolios

are managed based on the portfolio's allocation goals and typically reviewed at least quarterly for asset allocation rebalancing. Through our financial planning process, the Advisor will determine if a Select model portfolio is suitable to the Client's circumstances. Prevail Select model selection and account supervision is then guided by the Client's cash flow needs, risk tolerance, stated objectives, as well as tax planning considerations. It is common for us to manage several Client accounts of differing account tax structures within a single portfolio allocation model to create a tax profile designed to increase tax efficiency. Outside Account Aggregation via Prevail Portal (Excluded Assets) In addition to Prevail’s standard reporting of Client’s managed assets, Clients may be offered the ability to link outside accounts (Excluded Assets), not managed by Prevail, via their Prevail Client Portal. Prevail’s account aggregation service relative to the Excluded Assets is limited to reporting services only, which does not include investment advisory or implementation. The Client is exclusively responsible, at the Client’s discretion, for implementing any recommendations relative to the Excluded Assets. P r e v a i l W e a l t h M a n a g e m e n t , L L C P a g e 6 | 16 Furthermore, to the extent Excluded Assets investment performance may be viewed through the Prevail Portal, the Client shall be exclusively responsible for the investment performance of the Excluded Assets and Prevail shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. In the event the Client desires that Prevail provide investment management services with respect to the Excluded Assets, the Client may engage us to do so pursuant to the terms and conditions of an Investment Advisory Agreement. Retirement Plan Advisory Services Prevail offers non-discretionary fiduciary investment advisory services, and/or retirement plan consulting services to employer-sponsored retirement plans (each a “Plan”) and their participants depending on the type of Plan and the specific arrangement with the company/sponsor (the “Plan Sponsor”). Prevail’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and Plan participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include:
• Vendor Analysis
• Plan Participant Enrollment and Education Tracking
• Investment Policy Statement (“IPS”) Design and Support
• Investment Management Services (ERISA 3(38))
• Performance Reporting
• Ongoing Investment Recommendation and Assistance
• ERISA 404(c) Assistance These services are provided by Prevail serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of Prevail’s fiduciary status, the specific services to be rendered, and all direct and indirect compensation Prevail reasonably expects under the engagement. Managed Variable Annuities We may include the management of Variable Annuity (VA) sub-accounts. We have VA carrier products for this service. We manage various model portfolios for each VA carrier product, the model portfolios are actively managed for the Client on a discretionary basis. Sub-account asset allocations are limited by the VA carrier product fund options. Hourly Services: In certain situations, Clients may have a specific concern that does not require comprehensive planning and investment services. Examples of such could include divorce or separation of assets analysis, retirement analysis, estate tax analysis, retirement income analysis, and tax projections. In such situations, the Client may engage the Advisor to provide limited advice on these items. The scope of the engagement will be outlined in the Client Service Agreement. If requested, we will work with our Clients’ other professional advisors in areas such as accounting, tax planning, and estate planning. We also cultivate close partnerships with other finance related service professionals and will provide referrals, if requested, to those professionals when specialization is required. Types of Investments We consider many different types of securities when formulating the investment advice provided to Clients. These include mutual funds, equities, bonds, fixed income, debt securities, ETFs, REITs, and government securities. We may also provide advice on various types of investments held in your portfolio at the inception of our advisory relationship. P r e v a i l W e a l t h M a n a g e m e n t , L L C P a g e 7 | 16 Tailored Services and Investment Restrictions Prevail offers the same suite of services to all its Clients. However, we work to tailor each investment portfolio specific to each Client’s financial situation. Therefore, it is important to promptly notify Prevail regarding any change in the Client’s financial situation, risk tolerance, or investment objectives. Since our investment strategies and advice are based on each Client's specific financial situation, the investment advice we provide one Client may be different or conflicting with the advice we give to another Client regarding the same security or investment. Clients may impose reasonable restrictions on the way we manage assets held in their accounts. This may mean prohibiting the purchase or sale of certain assets or securities in accordance with their values or beliefs. The determination of “reasonable restriction” is solely ours. To the extent any restrictions would impact our ability to properly service the Client account, or if the restrictions would require Prevail to deviate from its standard suite of services, Prevail reserves the right refuse to manage the account. Wrap Fee Programs Prevail does manage or place Client assets into a wrap fee program. Investment advisory services are provided directly by Prevail. Assets Under Management Prevail manages Client assets on a discretionary as well as non-discretionary basis. As of March 29th, 2024, the market value of Client assets managed on a discretionary basis was $180,839,000 and $5,686,000 for non-discretionary assets, for total regulated assets under management of $186,525,000.