About Our Business Collective Wealth Partners, LLC (also referred to herein as “we,” “us,” or “our”) is a wealth management firm that provides financial planning services, recommends third-party investment management platforms, advises regarding specific financial matters, constructs investment portfolios using individual securities and consults with businesses regarding their financial objectives. Our firm is a Georgia limited liability company. We began managing our clients’ investments and providing financial expertise in December of 2021. Ms. Shardea M. Ages, CFP®, Emma I. Foulkes, CFP®, Kamila A. Elliott, CFP®, and Brian McKinney, CFP® are the principal owners, and are also investment adviser representatives of our firm. Ms. Ages is the chief compliance officer. Types of Advisory Services We provide customized, comprehensive, goals-based financial planning services, advisory consultations, and investment management strategies to meet our client’s specific financial goals, objectives, and needs. A detailed explanation of our advisory services is as follows: Investment Management Services We offer both non-discretionary and discretionary investment management services to meet our client’s investment goals and objectives. Our services include advice regarding purchasing, selling, or managing investments in individual stocks, mutual funds, exchange-traded funds, and fixed-income securities. We typically construct a client’s portfolio using stocks, mutual funds, and exchange-traded funds but may also, based on a client’s financial circumstances and objectives, incorporate fixed income securities and REITs. Third-Party Investment Management Services We may recommend that all or a portion of a client’s assets be managed by a third-party investment manager. We analyze and select advisory platforms of other investment advisers with managed strategies to meet a client’s financial needs and objectives. These other investment advisers are third-party investment management platforms and institutional advisers that offer managed portfolios through specific platforms that generally focus on particular investment models, styles, and strategies. We monitor the strategies offered through third-party investment management platforms to ensure that the objectives align with clients’ investment objectives and risk tolerance. By authorization incorporated in the service agreement, third-party investment management platforms are granted discretionary authority to manage assets. We are responsible for ongoing rebalancing and continuous monitoring of our client’s assets managed by these platforms. We currently offer third-party investment management services through the following platform(s):
• Orion Portfolio Solutions (formerly FTJ FundChoice, LLC). Orion Portfolio Solutions offers programs that encompass the use of analytical scenarios to create model portfolios using a combination of specific investment strategies and asset class blends.
• GeoWealth Management, LLC. GeoWealth offers asset allocation portfolios of exchange traded funds that seek to fulfill a specific client strategy or need, such as income-generating, thematic, risk-based, tactical, or tax-managed.
• Baker Station Advisors LLC. Baker Station Advisors offers fixed income and private credit portfolios that seek to fulfill a specific client strategy or need such as income generating, thematic, risk-based, tactical, or tax- managed. Disclosure Brochure 5
• Zenith Solutions Inc. (doing business as Zenith Wealth Partners). Zenith offers asset allocation portfolios of exchange traded funds that seek to fulfill a specific client strategy or need, including access to alternative investments and impact investments with lower account minimums. We reserve the right to use other or additional third-party investment management platforms. Financial Planning Services We construct financial plans to assist clients in reaching their financial goals. Our plans are developed by evaluating data relative to the client’s financial circumstances, investment goals and objectives, and tax status. Our financial plan or planning report may include but is not limited to information relative to cash flow analysis, consumption and debt planning, retirement planning, college planning, estate planning issues, tax planning strategies, and asset protection needs. Please note that although we may provide an analysis of and recommendations regarding your tax planning strategies, we do not provide tax advice. We recommend that you consult with a qualified tax professional before initiating any tax planning strategy. If you wish to hire a tax professional, we may be able to provide you with contact information for tax professionals based on our knowledge or research of the credentials of such tax professionals. When we provide contact information, we do so only as a convenience to you, and it should not be viewed as a recommendation or endorsement. You are encouraged to perform your own due diligence when hiring professionals. We do not receive referral fees for providing contact information. We will assist with gathering information, and can participate in meetings or phone calls between you and your tax professional, with your approval. We will not be responsible for implementing investment recommendations in a written financial plan or planning report prepared by our firm or supervising the implementation of such recommendations unless there is a separate engagement for Investment Management Services. Clients who agree to enter into a separate engagement for Investment Management Services are advised that our receipt of fees for Financial Planning Services and Investment Management Services create conflicts of interest due to receipt of fees for both services. However, we will consider a client’s engagement of our Investment Management Services in determining the fee for Financial Planning Services, so that the overall fee for services is reasonable and consistent with customary industry standards. Please note that clients are not obligated to implement our financial planning recommendations. Moreover, if a client elects to implement our financial planning advice, there is no

obligation to implement the recommendations through our firm. Clients may implement recommendations with any professional adviser. We offer our Financial Planning on either a Comprehensive or Limited Engagement basis. Comprehensive Financial Planning The Comprehensive Financial Plan provides an overall view of the client’s financial circumstances. We provide assistance with implementation of our financial planning recommendations and ongoing monitoring for a period of one year from engagement. The engagement will automatically renew on an annual basis for an additional one-year term, and will continue until terminated according to the termination provisions of the Financial Planning Services Agreement. Clients who also engage our Investment Management Services will receive an annual review and update of their financial plan for as long as they remain an active Investment Management client. Limited Engagement Financial Planning The Limited Engagement Financial Plan provides consultation, advice, and recommendations on specific topics as mutually agreed to between us and the client. The engagement automatically terminates upon delivery of our recommendations. We do not provide any ongoing monitoring, assistance with implementation, or other support. Disclosure Brochure 6 Additional Consultation Services Fractional CFO Services We provide consulting services to entrepreneurs and small business owners covering various topics, as selected by the Client. These topics may include: Review and analysis of historical accounting records
• Supporting, reconciliation, and review of QuickBooks accounts
• Implementation of appropriate internal financial controls
• Supporting Bookkeeper/CPA with preparation of financial statements
• Preparation of analysis of operations
• Preparation as may be required of forecasts and budgets.
• Coordination with estate attorney, business attorney, bankers, brokers, and other interested parties
• Review of business and personal tax filings
• Retirement plan administration and support, if applicable. We provide advice and recommendations regarding the best strategy to meet business and organization financial objectives. Our Fractional CFO Services engagements are typically for one (1) year. Employee Benefits/Assistance Program Advisement Services We offer employee assistance program advisement to organizations. Our services include advising employee resource leadership teams regarding developing a financial wellness educational counseling program that provides educational counseling regarding company benefits, retirement savings, home-buying basics, budgeting, and debt management, among other financial topics. We assist leaders in implementing a plan to offer these support services through their employee benefits/assistance program. In addition to addressing the employees’ fundamental financial wellness needs globally, our offerings include educational counseling sessions that specifically address the financial issues that impact women and minorities. Retirement Plan Advisory Services Our firm is a Fiduciary Advisor as defined by Title I of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). We provide investment advice to retirement plan sponsors and plan participants. Our services generally include plan management services, investment guidance for retirement plan sponsors, and non-fiduciary plan consulting services. Our plan management and investment guidance services consist of providing advice and recommendations to retirement plan sponsors regarding assets held by the retirement plan. Our non-fiduciary retirement plan consulting services typically involve providing educational services, allocation advice, fee and expense analysis, and enrollment guidance to assist retirement plan participants in understanding investment options offered by the retirement plan. Our services may be combined or provided separately. Estate Planning Services We offer estate planning services that include education on estate planning topics and the collection of general information necessary to complete a new estate plan or review a current estate plan. We use the services of a third-party digital estate planning service for clients who need estate planning review, creation, or updates. We do not offer legal advice, and our estate planning services are limited to education, data gathering, and access to the third-party digital estate planning platform. This service is appropriate for typical estate planning situations. For complex estate plans or legal questions, clients are encouraged to seek the advice of appropriate legal counsel as they deem necessary. Clients may be able to access attorney support through the digital platform for an additional fee. Disclosure Brochure 7 The fees associated with the creation or update to a client’s estate plan are separate from and in addition to fees for financial planning or investment management services. Please see Item 5 below for information regarding fees for estate planning services. Tailored Services Except as otherwise noted herein, our advice and services are based on the individual needs of a client after analyzing and thoroughly evaluating the client’s goals, objectives, investment horizon, and risk tolerance. Clients may impose restrictions on investing in certain asset classes or specific types of securities by advising their investment adviser representative of such limitations. Wrap Fee Programs We are not a sponsor of or portfolio manager of any wrap fee program. However, third party investment managers may use wrap fee programs for some investment strategies. If we recommend a third-party investment manager for the management of your portfolio, specific wrap fee program services and fees are disclosed in the third-party investment manager’s disclosure brochure. Assets Under Management As of December 31, 2023, we provided discretionary investment management for approximately $33 million in assets under management, and also provided non-discretionary investment management for approximately $23,000 in assets under management.