A. Description of the Advisory Firm Terra Wealth Management, LLC (“Terra Wealth” or the “Firm”) is a Delaware limited liability company, located in North Carolina. Terra Wealth is an investment advisory firm registered with the United States Securities and Exchange Commission (“SEC”). Terra Wealth is owned by Terra Wealth LLC and is operated by P. Scott Leonard. All statements in this brochure, including those made in the present tense, describe the prospective business of Terra Wealth. B. Types of Advisory Services Terra Wealth provides holistic and personalized financial planning and discretionary and non- discretionary investment advisory services to individuals, including high net worth individuals, and entities, including, but not limited to, family offices, trusts, estates, private foundations, and qualified retirement plans. Financial Planning and Consulting Services Terra Wealth may provide a variety of comprehensive financial planning and consulting services to clients. Such engagements may be part of the investment advisory engagement or pursuant to a separate engagement. Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation based on the client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including, but not limited to cash flow analysis, investment planning, retirement planning, estate planning, personal savings, educational savings, and other areas of a client’s financial situation. A financial plan developed for or financial consultation rendered to the client will typically include general recommendations for a course of activity or specific actions to be taken by the client. For example, recommendations may be made that the client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Terra Wealth may recommend the services of itself and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if Terra Wealth recommends its own services, as such a recommendation may increase the advisory fees paid to Terra Wealth. The client is under no obligation to act upon any of the recommendations made by Terra Wealth under a financial planning or consulting engagement to engage the services of any such recommended professional, including Terra Wealth itself. Investment Management Services In designing and implementing customized models and portfolio strategies, Terra Wealth can manage, on a discretionary or nondiscretionary basis, a range of investment strategies and vehicles. Terra Wealth primarily allocates client assets among various collective investment vehicles such mutual

funds, exchange-traded funds (“ETFs”), variable and fixed annuities in accordance with clients’ stated investment objectives. Terra Wealth may further recommend to clients that all or a portion of their investment portfolio be managed on a discretionary basis by one or more unaffiliated money managers or investment platforms (“External Managers”). The client may be required to enter into a separate agreement with the External Manager(s), which will set forth the terms and conditions of the client’s engagement of the External Manager or will receive a Statement of Investment Selection in a single contract relationship. Terra Wealth generally renders services to the client relative to the discretionary selection of External Managers. Certain External Managers also provides option overlay strategy solutions with exposure in marketable securities and/or ETFs, in order to provide additional income potential while seeking to minimize volatility. The investment management fees charged by the designated External Managers, together with the fees charged by the corresponding designated broker-dealer/custodian of the client’s assets, may be exclusive of, and in addition to, the annual advisory fee charged by Terra Wealth. The Advisor will perform initial and ongoing oversight and due diligence over the selected External Manager[s] to ensure the External Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. The Client, prior to entering into an agreement with unaffiliated investment manager[s] or investment platform[s], will be provided with the External Manager's Form ADV 2A and Form CRS (or a brochure that makes the appropriate disclosures). C. Client-Tailored Advisory Services Client portfolios are managed on the basis of individual clients’ financial situation and investment objectives. Terra Wealth consults with clients on an initial and ongoing basis to assess their specific risk tolerances, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. If clients’ financial situations change, or if their investment objectives or risk tolerances change, clients are advised to promptly notify Terra Wealth of such changes. Clients may impose reasonable restrictions on the management of their accounts if Terra Wealth determines, in its sole discretion, that the conditions would not materially impact the performance of a management strategy or prove overly burdensome for Terra Wealth ’s management efforts. D. Wrap Fee Program Terra Wealth does not place Client assets in a wrap fee program. E. Assets Under Management As of December 31, 2023, Terra Wealth manages $250,086,346 in assets under management, all of which is managed on a discretionary basis.