Description of Advisory Firm Savant Investment Advisers, Inc.’s registration was originally granted by the U. S. Securities and Exchange Commission back in year 1983 and more recently, granted by the state of Indiana on May 7, 2009, and by the state of Illinois on May 19, 2009. Effective March 10, 2022, Savant Investment Advisers, Inc. is registered with the U. S. Securities and Exchange Commission. Lisa Cameron, President, and Chief Compliance Officer of Savant, is the sole owner of the firm. The firm is not publicly owned or traded. There are no indirect owners of the firm. As of December 31, 2023, the firm managed assets on a nondiscretionary basis in the amount of $8,749,092 and on a discretionary basis in the amount of $122,521,059. Savant offers financial planning and/or investment advisory services to its clients. Such services are offered through its Investment Advisory Representatives (“Advisory Representatives”). Separate and apart from their registration as Advisory Representatives of Savant, the Advisory Representatives are also Registered Representatives of Osaic Wealth, Inc., (“Osaic”), a SEC registered broker/dealer and investment adviser. Osaic is also a member of FINRA and various other regulatory bodies. Osaic does not provide any investment advisory services in conjunction with or as part of the financial planning and/or investment advisory services provided by Savant. Types of Advisory Services Financial Planning Services Financial Planning We provide financial planning services on topics such as retirement planning, risk management and insurance, college savings, cash flow and debt management, work benefits, managing credit scores and reports, and estate and incapacity planning. Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. The key defining aspect of financial planning is that through the financial planning process, all questions, information and analysis will be considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing this service will receive a written or an electronic report, providing the client with a detailed financial plan designed to achieve his or her stated financial goals and objectives. In general, the financial plan will address any or all of the following areas of concern and will take the below approximate time to complete. A client may select only the areas they wish to cover, they do not have to choose all of the below services:
• Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, with financial independence usually the primary objective. For situations where projections show less than the desired results, we may make recommendations that include showing you the impact on those projections by making changes in certain variables (i.e., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.
• Insurance Review: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home, and automobile.
• College Savings: Includes projecting the amount that will be needed to achieve college or other post- secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to grandchildren, if appropriate.
• Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts.
• Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts, and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. From time-to- time, we will participate in meetings or phone calls between you and your attorney with your approval or request.
• Financial Goals: Helps clients identify

their financial goals, and plan how to reach them. Identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how you budget for your goal.
• Investment Analysis: This may involve providing information on the types of investment vehicles available, employee stock options, investment analysis and strategies, asset selection and portfolio design, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian of your choosing. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure. Portfolio Monitoring and Performance Appraisal Savant will emphasize continuous and regular account supervision while maintaining personal client contact and interaction. . The Advisory Representatives will work with clients to identify their investment goals and objectives as well as risk tolerance to create an initial portfolio allocation designed to complement their clients’ educational, income, and retirement funding goals and objectives etc. The Advisory Representatives will create a portfolio, consisting of individual stocks or bonds; no-load funds, (funds with no front-end or deferred sales charges and whose total charges against net assets for sales related expenses and or services do not exceed .25%); load-waived funds (front-end commissions will not be charged); and, front-load fee offset (advisory fees will be offset against commissions earned) mutual funds purchased prior to engaging Savant’s services. All clients wishing to engage Savant for the provision of its investment supervisory and/or portfolio appraisal and reporting services, must, in addition to completing Savant’s internal documents and Investment Advisory Agreement, complete a “Client Application” form followed by a “Brokerage Account” form. Upon completion of the aforementioned documents, together with the Advisory Representatives securing the relevant approvals, Savant will be considered engaged by the clients. The term of engagement will either be one time or continuous, as set forth in the Advisory Agreement. For continuous agreements, clients will be responsible for ensuring that Savant has been timely informed of changes in investment objectives and risk tolerance. The Wealth Management Platform – Advisor Managed Portfolios Program (“Advisor Managed Portfolios”) provides comprehensive investment management of your assets through the application of asset allocation planning software as well as the provision of execution, clearing and custodial services through Pershing, LLC (“Pershing”). Advisor Managed Portfolios provides risk tolerance assessment, efficient frontier plotting, fund profiling and performance data, and portfolio optimization and rebalancing tools. Utilizing these tools and based on your responses to a risk tolerance questionnaire (“Questionnaire”) and discussions that we have together regarding, among other things, investment objective, risk tolerance, investment time horizon, account restrictions and overall financial situation, we construct a portfolio of investments for you. This portfolio may consist of mutual funds, exchange traded funds, equities, options, debt securities, and other investments. Each portfolio is designed to meet your individual needs, stated goals and objectives. Additionally, you can place reasonable restrictions on the types of investments to be held in the portfolio. VISION2020 Wealth Management Platform – Model Portfolios Program The Wealth Management Platform - Model Portfolios Program (“Model Program”) offers Clients managed asset allocation models (“Asset Allocation Models”) of mutual funds, exchange traded funds (“ETFs”) or a combination thereof diversified across various investment styles and strategies. The Asset Allocation Models are constructed by managers (“Program Managers”) such as American Funds, Russell Investment Management Company, SEI Investments Management Corporation and Morningstar Associates, LLC. Based upon the risk tolerance of each Client, the Model Program utilizes a system that selects a specific Asset Allocation Model. After the Asset Allocation Model is chosen, we, with the assistance of the Model Program sponsor, will open a Model Program account. Your assets will be invested in the specific investments contained within the recommended Asset Allocation Model. You can place reasonable restrictions on investments held within the Model Program account. For further Model Program details, including a full list of Program Managers, please see the Model Portfolios Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in the Model Program. Please read it thoroughly before investing. Client Tailored Services and Client Imposed Restrictions We offer the same suite of services to all our clients. However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Wrap Fee Programs We do use a wrap fee program. Please see Vision2020 Wealth Management’s Part 2A Appendix 1 Wealth Management Platform Program Brochure.