DESCRIPTION OF FIRM, LENGTH OF TIME IN BUSINESS, PRINCIPALS/OWNERS Wealth Management Solutions, LLC ("WMS"), in business since 2003, is a financial services firm that provides investment advice and financial planning on a fee‐only basis. Fee‐only means WMS does not sell commissioned products or accept commissions of any kind from the sale of a product or service. WMS’ compensation comes directly from clients in the form of an hourly rate, or a quarterly fee that is based on services provided and/or assets under management. David S. Rosenthal is the owner and officer responsible for the financial planning services and investment advisory services. TYPES OF SERVICES OFFERED Financial Planning‐ Comprehensive: Comprehensive Financial Planning includes investment advice and investment management. This can involve planning for retirement, tax planning, estate planning, insurance, benefits, and other financial life topics. A comprehensive plan involves a more detailed review of the client's overall financial position, objective, and goals and over time it typically includes all the elements described under Comprehensive Financial Planning Services. “Over time” means for some clients this process can be done in a few months, and for others it takes years to thoroughly cover all the elements. Comprehensive Financial planning includes investment management. Financial Planning ‐ Hourly Services: Hourly planning focuses on one or more specific areas that the client wants to review. In the event that a client selects hourly planning, the firm's services will be expressly limited to the topics identified by the client and advisor. With hourly services it is the client’s responsibility to engage us for any additional planning steps. For hourly clients we do not initiate ongoing service or advice unless requested. Investment Advice/Investment Management ‐ Investment management services start by gaining an in‐ depth understanding of a client’s goals, future cash flow needs, and their understanding and comfort level with the various risks associated with different types of investments. An investment strategy is then designed to meet client’s stated objectives and future cash flow needs. This strategy includes advice on investments under the control of WMS and advice on “outside” investment accounts such as 401k plans, annuities, real estate, or other investments that may be used at some point to meet the client’s goals and objectives. For investments under the control of WMS, WMS manages these investment management accounts in a discretionary capacity. This means within an agreed upon strategy, WMS can make

needed changes to the investments without having to consult with the client about each change before it is made. In limited cases WMS will accept non‐discretionary accounts. Mutual funds and exchange traded funds, specifically passively managed and/or index funds are the most common investment vehicles recommended to build client portfolios. WMS investment management services may also include advice on, but is not limited to advice on, closed end funds, individual bonds, certificates of deposit, actively managed funds, structured products and individual securities. WMS does not hold itself out to be a stock picker or market timer, nor does it recommend such strategies. Planning services are not provided to these clients unless they initiate and request the additional service. 401(k) Plans – Some WMS clients are companies that provide or want to provide a company sponsored retirement plan for their employees in the form of a self‐directed 401(k). WMS acts as a consultant and the investment advisor for the 401(k) plan providing plan level and investment level advice. All investment decisions within participants’ accounts are the sole responsibility of the individual participant. The investment advice WMS provides is tailored to the needs of each client. The WMS advisor meets with the client to obtain information regarding the client's investment experience, investment objectives, understanding of investment risk, cash flow needs and current and future estimated tax brackets. WMS uses investment research and various schedules to evaluate alternative portfolio designs and alternative investment options. In connection with developing a recommended portfolio, the client's existing investments and investment fees are evaluated to determine how well they currently matchup with the client’s stated objectives. Written investment guidelines are prepared and provided to the client. In most cases, with the client’s permission, WMS can directly assist the client in implementing any needed changes. If the client so chooses, WMS will work with the client to develop a transition plan in order to reallocate assets. Even within discretionary accounts, clients may impose restrictions on investing in certain securities or types of securities. These restrictions need to be delivered in writing and agreed to by WMS. WMS DOES NOT PARTICIPATE IN OR OFFER ANY WRAP FEE PROGRAMS. AMOUNT OF ASSETS MANAGED, DISCRETIONARY AND NON‐DISCRETIONARY. As of December 31, 2023, the firm’s total amount of discretionary and non‐discretionary assets under management was $151,626,000 and $3,036,000 respectively.