About Our Firm Petros Family Wealth, LLC (“Petros”) is a registered investment adviser that provides investment management and financial advisory services to individuals, foundations and corporations to help them achieve their financial needs and goals. Petros has been a registered investment adviser since November 2022. The sole shareholder of the firm is Carl R. Lymangood. As of December 31, 2023, Petros managed $169,837,223 in discretionary assets and $61,586,087 in non-discretionary assets for a total of $231,423,310 in total regulatory under management. Our firm takes pride in providing personalized service to our clients and acknowledges that it is held to a fiduciary standard of care. Types of Advisory Services We Offer Petros offers a variety of investment advisory services to individuals, high net worth individuals, family entities, non-profit organizations, foundations, and businesses/corporations. These services include:
• Investment and wealth management
• Financial planning and consulting We work with our clients to determine their investment objectives and risk profile and develop and execute a customized investment plan based on their individual needs and goals. Petros will utilize the financial information provided by the client to analyze and develop strategies and solutions to assist the client in meeting their financial goals. Prior to Petros rendering any of the foregoing services, clients are required to enter into one or more written advisory agreements with Petros setting forth the relevant terms and conditions of the advisory relationship. Petros may recommend other professionals to implement our recommendations or for other types of services, such as accounting firms, law firms, business consultants and/or bankers. These additional services offered by another professional are provided at an additional cost to you and are separate and distinct from Petros’ advisory services. In some cases, this creates a conflict of interest because we can have an incentive to recommend additional services based on the prospect of cross-referrals of clients from the other professional or his or her firm. Investment and Portfolio Management Services Petros manages our clients’ portfolios on a discretionary and non-discretionary basis. Our investment and portfolio management services are tailored to the needs of our clients and are based on a comprehensive understanding of each client’s current situation, past experiences, and future goals. With this acquired knowledge we create, analyze, strategize, and implement goal-oriented investment solutions. These solutions become our clients’ investment policy. This policy and our matched strategies are designed to be risk appropriate, cost effective and tax efficient. Our investment and wealth management services generally include a broad range of comprehensive financial planning and/or consulting services, as well as discretionary and non-discretionary management of investment portfolios. Client assets are primarily allocated among individual equity and debt securities, exchange-traded funds ("ETFs") and mutual funds in accordance with the client's stated investment objective and risk/volatility parameters. Where appropriate, Petros can also provide advice about many types of legacy positions or other investments held in client portfolios. Clients may also engage Petros to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, Petros will typically direct or make recommendations for the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or custodian for the plan trustee or administrator and clients retain responsibility for effecting trades in these accounts. Petros consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. You should promptly notify us if there are changes in your financial situation or if you wish to place any limitations on the management of your account. You can impose reasonable restrictions or mandates on the management of your account if Petros determines, in our sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the firm's management efforts. To the extent a client’s assets are invested in a particular fund, those funds will have their own investment practices, which are described in each fund’s prospectus. Selection of Independent Managers Petros may select certain Independent Managers to actively manage all or a portion of its clients' assets. Pursuant to the terms of the investment advisory agreement, Petros shall have the discretion to appoint and terminate these third-party advisers. The specific terms and conditions under which a client engages an Independent Manager may also be set forth in a separate written agreement with the designated Independent Manager. Certain Independent Managers require a separate investment advisory agreement with the Independent Manager, while others do not. In addition to this brochure, clients will also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. Petros evaluates a variety of information about Independent Managers, which can include the Independent Managers' public disclosure

documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, Petros seeks to assess the Independent Managers' investment strategies, past performance, and risk results in relation to its clients' individual portfolio allocations and risk exposure. Petros also takes into consideration each Independent Manager's management style, returns, reputation, financial strength, reporting, pricing, and research capabilities, among other factors. Independent Managers utilized by Petros include:
• Unified managed account managers, separate account managers and a mutual fund advisory program available through Wells Fargo & Company (“Wells Fargo”). Petros continues to provide services relative to the discretionary or non-discretionary selection of the Independent Managers. On an ongoing basis, Petros monitors the performance of those accounts being managed by Independent Managers. Petros seeks to ensure the Independent Managers' strategies and target allocations remain aligned with clients' investment objectives and overall best interests. Programs Offered Through Wells Fargo When utilizing Wells Fargo as the Independent Manager, or managers available through a program offered by Wells Fargo, investment management services are provided through the Personalized Unified Managed Account Program, Private Advisor Network Program (a separately managed account program) or FundSource® Program (a mutual fund advisory program). The Wells Fargo programs require clients to sign an investment advisory agreement for access to their programs in addition to our investment management agreement. Financial Planning and Consulting Services Petros offers different levels of financial planning and consulting services to help our clients identify, prioritize and work towards their goals and objectives. Our consulting services give our clients the ability to receive a broad range of financial advice and services, including specific security recommendations, for the duration of the advisory agreement. Our process starts with an extensive review of a client's family situation, which includes assets and liabilities as well as estate, tax, and insurance needs. We then employ a risk tolerance and risk capacity- focused simulation to get a detailed cash flow analysis and proposed asset allocation. Together, this information is analyzed to develop a proposed financial plan, which is designed to be dynamic in nature, ever-evolving due to life changes, along with changes in cash flow needs, risk tolerance, time horizon, or investment objectives. Petros’ financial planning and consulting services may include any of the following topics:
• Cash Flow Analysis and Forecasting
• Risk Management
• Trust & Estate Planning
• Charitable Giving
• Education Planning
• Business Planning
• Retirement Planning
• Liability Management
• Investment Consulting
• Distribution Planning
• Tax Planning
• Insurance Review
• Next Generation Family While each of these services is available on a stand-alone basis, certain services may also be rendered in conjunction with investment portfolio management services as part of a comprehensive portfolio management engagement. In performing these services, Petros is not required to verify any information received from the client or from the client's other professionals (e.g., attorneys, accountants, etc.), and is expressly authorized to rely on such information. Petros may recommend clients engage the firm for additional related services, such as investment management services. These additional services are provided at an additional cost to you, which is based on the nature, extent complexity, and other characteristics of the services. This creates a conflict of interest because we will have an incentive to recommend additional advisory services based on the compensation received, rather than solely based on your needs. Implementation of financial planning recommendations is entirely at your discretion. You have complete freedom in selecting a financial adviser to assist you with implementing the recommendations made in your financial plan and are under no obligation to act on the advice of Petros. Financial planning recommendations are of a generic nature and are not limited to any specific product or service offered by a broker dealer or insurance company. Should you choose to implement the recommendations contained in the plan, Petros suggests you work closely with your attorney, accountant and/or insurance agent. Petros will act solely in our capacity as a registered investment adviser and does not provide any legal, accounting or tax advice. You should seek the counsel of a qualified accountant and/or attorney when necessary. As part of our advisory services, we may assist clients with gathering tax information, tax loss harvesting and will work with the client’s tax specialist to answer any questions related to the client’s portfolio. Any incidental tax discussions on topics, such as required minimum distributions, retirement plan contributions, etc. should be verified with your tax advisor. Portfolio Management Services for Wrap Fee Program Petros offers portfolio management services through a wrap fee program. A bundled or “wrap fee” program is an advisory fee program under which you pay one bundled fee to compensate Petros for portfolio management, transaction costs and custodial services. A wrap fee program may not be the lowest cost option if you would like to restrict your investments to open-end mutual funds or other long- term investment products.