Description of our Firm Selkirk Wealth Advisors, LLC (“Selkirk,” “we,” the “firm,” “our,” or “us”) was established in October of 2014 and we were registered as an investment advisor in November 2014. The firm is owned equally by Eric Stutzman and Todd Koyama. Selkirk provides personalized comprehensive financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Our advisory services are designed to each client's specific goals, objectives, and risk tolerance. Advice is provided through consultation with the client and may include identification of financial problems, tax planning, insurance review, education funding, retirement planning, and estate planning. Financial Planning We offer prospective clients a complimentary consultation. If after that initial meeting, the prospective client chooses to work with us, we will enter into a written financial planning agreement with them that describes the services to be performed and the cost of the services. Financial planning typically involves providing a variety of advisory services to clients regarding the management of their financial resources based upon an analysis of their individual needs. These services can range from comprehensive financial planning to consultative or single subject planning. Financial plans are based on the information, facts, and circumstances you provide or describe to us during our engagement. We rely on you to promptly notify us if your financial situation, goals, objectives, needs, or other circumstances change. We do not always provide a written plan. This will be agreed upon and detailed within the terms of our written engagement with you. The financial planning engagement ends when we deliver the plan or, in situations where the engagement does not include a written plan, a written notice to you that the engagement has been fulfilled. Clients desiring further financial planning will enter into a new engagement for each subsequent plan and will be charged an additional fee for the new financial plan(s). Upon the conclusion of our financial planning services, clients can choose to engage us for asset management services, described below. You are under no obligation to act on our financial planning recommendations. Should you choose to act on any of our recommendations, you are not obligated to implement the financial plan through any of our other investment advisory services. Moreover, you may act on our recommendations by placing securities transactions with any brokerage firm. Selkirk Wealth Advisors will not participate in the implementation or monitoring of planning recommendations unless specifically detailed in the consulting agreement. Asset Management We offer discretionary asset management to our clients. For those clients to whom we have provided recent financial planning services, we will often utilize that existing financial plan at the onset of a new asset management relationship. We provide individual, customized management of your investment portfolio. Assets are invested in no-load mutual funds, exchange-traded funds, stocks and bonds. We also use third-party money managers as part of our discretionary asset management services. Selkirk Wealth Advisors, LLC [5] Each portfolio will be initially designed to meet a particular investment goal, which together we have determined to be suitable to your circumstances. Once we have determined the appropriate investments

for your account(s), we will continue to monitor and rebalance your portfolio based on your individual needs and stated objectives. Our asset management services and the fees we charge you for such services will be captured in a written investment advisory agreement. Selection of Other Advisers After gathering information about your financial situation and objectives we may recommend that all or a portion of your assets be managed by a Third-Party Money Manager. Before recommending that you use a Third-Party Money Manager, we take a number of factors into consideration. These include but are not limited to the Third-Party Money Manager's performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. The Third-Party Money Manager will actively manage your portfolio and will assume discretionary investment authority over your account. We will monitor your portfolio with the Money Manager to ensure its management and investment style remains aligned with your investment goals and objectives. Our agreement with you also gives us discretionary authority to change the Third-Party Money Manager if we believe that is the best option for you. The Third-Party Money Manager(s) managing portions of your portfolio will charge a fee for these services and these fees are distinct, separate, and in addition to, the fees we charge. A detailed description of the other advisors’ services and fees is provided in their disclosure brochure. The combined fee for the Third-Party Money Manager and Selkirk Wealth Advisors will not be greater than 2.25%. Important Information for Retirement Investors When we recommend that you rollover retirement assets or transfer existing retirement assets, such as a 401(k) or an IRA, to our management, we have a conflict of interest. This is because we will generally earn additional revenue when we manage more assets. In making the recommendation, however, we do so only after determining that the recommendation is in your best interest. Furthermore, in making any recommendation to transfer or rollover retirement assets, we do so as a “fiduciary,” as that term is defined in ERISA or the Internal Revenue Code, or both. We also acknowledge we are a fiduciary under ERISA or the Internal Revenue Code with respect to our ongoing investment advisory recommendations and discretionary asset management services, as described in the advisory agreement we execute with you. To the extent we provide non-fiduciary services to you, those will be described in the advisory agreement. Types of Investments and Restrictions We invest client assets in publicly traded securities, including mutual funds, exchange-traded funds (ETFs), as well as equity and debt securities, which include but are not limited to, individual stocks, warrants, corporate debt securities, municipal securities, government securities, and other long- and short-term debt instruments. As noted above, we may also use Third Party Money Managers for all or a portion of your portfolio. Selkirk Wealth Advisors, LLC [6] Your portfolio is customized based on your investment objectives. We will accept client- directed investment restrictions or limitations on our discretionary authority on a case-by-case basis. Wrap Fee Program(s) We do not currently manage or sponsor wrap fee programs. Assets We Manage As of December 31, 2023, we managed approximately $184.6 million of client assets, all on a discretionary basis.