Hibernia Wealth Partners, LLC (“HWP,” the “Adviser” or the “Firm”) is a U.S. Securities & Exchange Commission (“SEC”) registered investment adviser and is a privately held limited liability company organized under the laws of Louisiana. HWP was approved for registration by the SEC on May 5, 2022. Paul V. Saltaformaggio is the founder, owner, managing member, and Chief Compliance Officer (“CCO”) of HWP. The Adviser and its operations are solely under his control. HWP manages assets on a discretionary basis and non-discretionary basis. As of 12/31/2023, the total amount of discretionary assets under management was $289,034,883, and zero non-discretionary assets under management. Types of Advisory Services INVESTMENT ADVISORY SERVICES HWP offers investment advisory/asset management services to advisory Clients. HWP will offer Clients ongoing management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring, and the overall investment program will be based on the above factors. Discretionary When the Client elects to use HWP on a discretionary basis, the Client will sign a limited trading authorization or equivalent allowing HWP to determine the securities to be bought or sold and the amount of the securities to be bought or sold. HWP will have the authority to execute transactions in the account without seeking Client approval on each transaction. Non-Discretionary When the Client elects to use HWP on a non-discretionary basis, HWP will determine the securities to be bought or sold and the amount of the securities to be bought or sold. However, HWP will obtain prior Client approval on each and every transaction before executing any transaction. HWP may also select and appoint one or more Sub-Advisor(s) to provide Sub-Advisor Services to Client’s Account. Such Sub-Advisor Services will be as determined by HWP. Such Sub-Advisor(s), in providing Sub-Advisor Services, shall have all of the same authority relating to the management, including fee deduction authority, of Client’s Account as is granted to HWP. In addition, at HWP’s discretion, HWP may grant such Sub-Advisor(s) full authority to further delegate such discretionary investment authority to other Money Managers. Client will agree to such authority within HWP’s Advisory Agreement. Client accounts held at a custodian that is not directly accessible by HWP, such as defined contribution plan participant accounts (held away accounts), may be managed using the Pontera Order Management System (“Pontera”) or a similar platform. The platform allows HWP to avoid being considered to have custody of client funds since HWP does not have direct access to client log-in credentials to affect trades. HWP is not affiliated with the platform in any way and receives no compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once a Client account(s) is connected to the platform, HWP will review the current account allocations. When deemed necessary, HWP will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. Third-Party Management When deemed appropriate for the Client, HWP may recommend that Clients utilize the services of a Third- Party Manager (TPM) to manage a portion of, or all of the Client’s portfolio. All TPMs that HWP recommends must be Registered Investment Advisors with the SEC or with the appropriate state authority(ies). After gathering information about your financial situation and objectives, an investment advisor representative of our firm will make recommendations regarding the suitability of a TPM or investment style based on, but not limited to, your financial needs, investment goals, tolerance for risk, and investment objectives. Upon selection of a TPM(s), we will monitor the performance of the TPM(s) to ensure their performance and investment style remains aligned with your investment goals and objectives. In such circumstances, HWP receives solicitor fees from the TPM. We act as the liaison between the Client and the TPM in return for an ongoing portion of the advisory fees charged by the TPM. We help the Client complete the necessary paperwork of the TPM and provide ongoing services to the Client. Ongoing services include but are not limited to:
• Provide information to each Client concerning the investment advisor services offered by TPM and the fee schedule of such services.
• Deliver the Form ADV Part 2, Privacy Notice, Form CRS, and Disclosure Statement to the Client, as applicable.
• Meet with the Client to discuss any changes in status, objectives, time horizon or suitability.
• Update the TPM with any changes in Client status which is provided to HWP by the Client. Clients placed with TPM will be billed in accordance with the TPM’s Fee Schedule which will be disclosed to the Client prior to signing an agreement. FINANCIAL PLANNING AND CONSULTING Financial planning services include an evaluation of a Client's current and future financial state and will be provided by using currently known variables to predict future cash flows, asset values and withdrawal plans. HWP will use current net worth, tax liabilities, asset allocation, and future retirement and estate plans in developing financial plans. Topics generally reviewed in a financial plan may include but are not limited to:
• Personal net worth statement: A snapshot of assets and liabilities serves as a benchmark for measuring progress towards financial goals.
• Cash flow analysis: An income and spending plan determines how much can be set aside for debt repayment, savings and investing each month.
• Retirement strategy: A strategy for achieving retirement independent of other financial priorities. Including a strategy for accumulating the required retirement capital and its planned lifetime distribution.
• Long-term investment plan: Build a customized asset allocation strategy based on specific investment objectives and a risk profile. This strategy sets guidelines for selecting, buying, and selling investments and establishing benchmarks for performance review.
• Tax reduction strategy: Identify ways to minimize taxes on personal income to the extent permissible by the tax code. The strategy should include identification of tax favored investment vehicles that can reduce taxation of investment income.
• Estate preservation: Help update accounts, review beneficiaries for retirement accounts and life

insurance, provide a second look at your current estate planning documents, and prompt you to update your plan when the legal environment changes or you have major life events such as a marriage, death, or births. If a conflict of interest exists between the interests of HWP and the interests of the Client, the Client is under no obligation to act upon HWP’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to affect the transaction through HWP. Financial plans will be completed and delivered within six months contingent upon timely delivery of all required documentation. ERISA PLAN SERVICES HWP offers service to qualified and non-qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit-sharing plans, cash balance plans, and deferred compensation plans. HWP may act as a 3(21): Limited Scope ERISA 3(21) Fiduciary. HWP acts as a limited scope ERISA 3(21) fiduciary that can advise, help, and assist plan sponsors with their investment decisions. As an investment advisor HWP has a fiduciary duty to act in the best interest of the Client. The plan sponsor is still ultimately responsible for the decisions made in their plan, though using HWP can help the plan sponsor delegate liability by following a diligent process. 1. Fiduciary Services are:
• Provide investment advice to the Client about asset classes and investment alternatives available for the Plan in accordance with the Plan’s investment policies and objectives. Clients will make the final decision regarding the initial selection, retention, removal, and addition of investment options. HWP acknowledges that it is a fiduciary as defined in ERISA section 3(21)(A)(ii).
• Assist the Client in the development of an investment policy statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the IPS.
• Provide investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility of providing all notices to the Plan participants required under ERISA Section 404(c)-(5) and 404(a)-5.
• Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformance to the guidelines set forth in the IPS and make recommendations to maintain, remove or replace investment options.
• Meet with the Client on a periodic basis to discuss the reports and the investment recommendations. 2. Non-fiduciary Services are:
• Assist in the education of Plan participants about general investment information and the investment alternatives available to them under the Plan. Client understands HWP’s assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). As such, HWP is not providing fiduciary advice as defined by ERISA 3(21)(A)(ii) to the Plan participants. HWP will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan.
• Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding by the employees. HWP may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between HWP and Client. 3. HWP has no responsibility to provide services related to the following types of assets (“Excluded Assets”):
• Employer securities;
• Real estate (except for real estate funds or publicly traded REITs);
• Stock brokerage accounts or mutual fund windows;
• Participant loans;
• Non-publicly traded partnership interests;
• Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or
• Other hard-to-value or illiquid securities or property. Excluded Assets will not be included in the calculation of Fees paid to HWP on the ERISA Agreement. Specific services will be outlined in detail for each plan in the 408(b)2 disclosure. The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. These restrictions may, however, prohibit engagement with HWP. WRAP FEE PROGRAM HWP offers Wrap-Fee Program to simplify the payment of management fees and brokerage expenses. The wrap fee includes the brokerage expenses (i.e., commissions, ticket charges, etc.) of the account as well as our management fee. For further details, please see Hibernia Wealth Partners, LLC ADV Form 2A, Appendix 1, Wrap Fee Program Brochure. Wrap Fee and Non-Wrap Fee accounts are managed on an individualized basis according to the client’s investment objectives, financial goals, risk tolerance, etc. As further described in the Hibernia Wealth Partners, LLC ADV Form 2A, Appendix 1, Wrap Fee Program Brochure, HWP receives a portion of the Wrap Fee for services provided. The benefits under a wrap fee program depend, in part, upon the size of the account, the costs associated with managing the account, and the frequency or type of securities transactions executed in the account. For example, a wrap fee program may not be suitable for all accounts, including but not limited to accounts holding primarily, and for any substantial period of time, cash or cash equivalent investments, fixed income securities or no-transaction-fee mutual funds, or any other type of security that can be traded without commissions or other transaction fees. In order to evaluate whether a wrap (or bundled) fee arrangement is appropriate for you, you should compare the agreed-upon Wrap Program Fee and any other costs associated with participating in our Wrap Fee Program with the amounts that would be charged by other advisers, broker-dealers, and custodians, for advisory fees, brokerage and execution costs, and custodial services comparable to those provided under the Wrap Fee Program.