Our firm provides individuals and other types of clients with a wide array of investment advisory services. Our firm is a limited liability company formed under the laws of the State of Utah in 2008 and has been in business as an investment adviser since 2021. Our firm is owned by Balanced Advisors, Inc., to which Richard Wagner is the majority owner. Taylor Wagner and Parker Wagner are minority owners of Balanced Advisors, Inc. The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is accomplished in part by knowing our client. Our firm has established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. Types of Advisory Services Offered Asset Management: As part of our Asset Management service, a portfolio is created, consisting of individual stocks, bonds, exchange traded funds (“ETFs”), mutual funds and other public and private securities or investments. The client’s individual investment strategy is tailored to their specific needs and may include some or all the previously mentioned securities. Portfolios will be designed to meet a particular investment goal, determined to be suitable to the client’s circumstances. Once the appropriate portfolio has been determined, portfolios are regularly monitored, and if necessary, rebalanced based upon the client’s individual needs, stated goals and objectives. In addition to our proprietary portfolio management, our firm utilizes the separately managed account services of third-party investment advisory firms or individual advisors (“Third-Party Managers”) to aid in the implementation of an investment portfolio designed by our firm. Before selecting a Third-Party Manager, our firm will ensure that the chosen party is properly licensed or registered. Our firm will not offer advice on any specific securities or other investments in connection with this service. We will provide initial due diligence on Third-Party Managers and ongoing reviews of their management of client accounts. To assist in the selection of a Third-Party Manager, our firm will gather client information pertaining to financial situation, investment objectives, and reasonable restrictions to be imposed upon the management of the account. Our firm will periodically review Third-Party Manager reports provided to the client at least annually. Our firm will contact clients from time to time to review their financial situation and objectives; communicate information to third party money managers as warranted; and assist the client in understanding and evaluating the services provided by the Third-Party Manager. Clients will be expected to notify our firm of any changes in their financial situation, investment objectives, or account restrictions that could affect their financial standing. ADV Part 2A – Firm Brochure Page 5 Valued Wealth Advisors, LLC dba Interwise Complimentary Financial Planning: At our firm’s discretion, we may provide standalone financial planning and consulting services to clients for the management of financial resources based upon an analysis of current situation, goals, and objectives. Our Complementary Financial planning services will typically involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives at no charge to the client. This planning or consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, or Business and Personal Financial Planning. Written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. Implementation of the recommendations will be at the discretion of the client. Our firm provides clients with a summary of their financial situation, and observations for financial planning engagements. Financial consultations are not typically accompanied by a written summary of observations and recommendations, as the process is less formal than the planning service. Standalone Financial Planning & Consulting: Our firm provides a variety of standalone financial planning and consulting services to clients for the management of financial resources based upon an analysis of current situation, goals, and objectives. Financial planning services will typically involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, or Business and Personal Financial Planning. Written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. Our firm provides clients with a summary of their financial situation, and observations for financial planning engagements. Financial consultations are not typically accompanied by a written summary of observations and recommendations, as the process is less formal than the planning service. Assuming that all the information and documents requested from the client are provided promptly, plans or consultations are typically completed within 6 months of the client signing a contract with our firm. Buckingham Strategic Partners, LLC Our firm has contracted with Buckingham Strategic Partners, LLC, (“BSP”), for services including trade processing, collection of management fees, record maintenance, report preparation,

marketing assistance, and research (“BSP Services”). Our firm pays BSP a fee for BSP Services based on assets receiving these BSP Services that are not invested in SA funds. These fees are not charged to advisory clients but are rather paid by Interwise, to BSP. For investment management services, our firm will request authority from the client to delegate discretion to trade in the client’s account, and to receive quarterly payments directly from the client's account held by an independent custodian. Clients may provide written limited authorization to our firm or its designated service provider, BSP, to withdraw fees from the account. Clients will receive ADV Part 2A – Firm Brochure Page 6 Valued Wealth Advisors, LLC dba Interwise custodial statements showing the advisory fees debited from their account(s). Certain third-party administrators will calculate and debit our fee and remit such fee to us. BSP may pay various forms of indirect compensation to our firm or its representatives for reasonable business or educational purposes as described in BSP’s Form ADV Part 2A. SA Funds: BSP is the investment manager, administrator, and shareholder servicing agent of the SA Funds – Investment Trust (“SA Funds”). For further information about the SA Funds, refer to the applicable prospectus at https://buckinghamstrategicpartners.com/sa-funds/documents/. BSP defines the investment objectives of the individual SA Funds, administers the SA Funds, monitors the Sub- Adviser and other service providers to the SA Funds, and is responsible for the servicing of the SA Funds’ shareholders. For its services to the SA Funds, BSP receives management, administration, and shareholder servicing fees from each of the SA Funds as described in the SA Funds’ prospectus. BSP generally pays some or all custodial transaction charges for clients of investment advisors utilizing the SA Funds, subject to certain restrictions and thresholds, as part of its “No Transaction Fee” solution. As part of our firm’s relationship agreement with BSP, BSP charges our firm a percentage of our firm’s total assets under management. However, BSP will waive this fee to the extent that assets under management are held in SA Funds because BSP is compensated through the SA Fund’s internal expenses. This creates a conflict of interest for our firm to utilize SA Funds to decrease the amount of fees we pay to BSP. In an effort to mitigate this conflict, our general policy is to start SA Fund management fees at a lower percentage of assets under management (no higher than 1.20%) than the management fees generally charged to non-SA Fund clients. Considering the evolving fee structures within SA Funds and other publicly traded products, value of trading costs, and imbedded taxable gains held in client accounts, the determination on whether a client is better suited in an SA Fund or non-SA Fund can be complex. Our firm performs a point-in-time review for new clients and an annual review for existing clients to determine whether clients invested in SA Funds would be better suited in other fund classes. We will make recommendations as we deem appropriate. Retirement Plan Consulting: Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring, and reviewing their company's participant-directed retirement plan as well as company defined benefit plans. As the needs of the plan sponsor dictate, areas of advising may include:  Establishing an Investment Policy Statement – Our firm will assist in the development of a statement that summarizes the investment goals and objectives along with the broad strategies to be employed to meet the objectives.  Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investment options and make recommendations for appropriate changes.  Asset Allocation and Portfolio Construction – Our firm will develop strategic asset allocation models to aid Participants in developing strategies to meet their investment objectives, time horizon, financial situation, and tolerance for risk.  Investment Monitoring – Our firm will monitor the performance of the investments and notify the client in the event of over/underperformance and in times of market volatility. ADV Part 2A – Firm Brochure Page 7 Valued Wealth Advisors, LLC dba Interwise  Participant Education – Our firm will provide opportunities to educate plan participants about their retirement plan offerings, different investment options, and general guidance on allocation strategies. In providing services for retirement plan consulting, our firm does not provide any advisory services with respect to the following types of assets: employer securities, real estate (excluding real estate funds and publicly traded REITS), participant loans, non-publicly traded securities or assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). All retirement plan consulting services shall follow the applicable state laws regulating retirement consulting services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to provide services to such accounts, our firm acknowledges its fiduciary standard within the meaning of Section 3(21) of ERISA as designated by the Retirement Plan Consulting Agreement with respect to the provision of services described therein. Tailoring of Advisory Services Our firm offers individualized investment advice to our Asset Management clients. General investment advice will be offered to our Financial Planning & Consulting, and Retirement Plan Consulting clients. Each Asset Management client can place reasonable restrictions on the types of investments to be held in the portfolio. Restrictions on investments in certain securities or types of securities may not be possible due to the level of difficulty this would entail in managing the account. Participation in Wrap Fee Programs Our firm does not offer or sponsor a wrap fee program. Regulatory Assets Under Management Our firm manages $215,256,417 on a discretionary basis and $15,021,092 on a non-discretionary basis as of December 31, 2023, totaling $230,277,509 in aggregate Assets Under Management.