Joss Brown Wealth Advisors Group, LLC’s is a limited liability company formed in 2023 in the state of Virginia. Daniel D. Joss and Katherine L. Brown are both Managing Members. The firm is not publicly owned or traded. There are no indirect owners of the firm or intermediaries, which have any ownership interest in the firm. The firm maintains a corporate office in Williamsburg and a branch office in Newport News. Prior to January 1, 2023, the firm was previously registered with the SEC as Joss Brown Wealth Advisors, LLC. “Registration” means only that Joss Brown Wealth Advisors has met the minimum requirements for registration as an investment advisor and does not apply a certain level of skill or training or that the SEC or any other regulator guarantees the quality of our services or recommends them. Joss Brown Wealth Advisors (“JBWA”) offers to its clients (individuals, high net worth individuals, pension and profit sharing plans, charitable organizations, other business entities, etc.) financial planning, investment and non-investment related consulting, and investment management services on either a combined or stand-alone basis. As a fee- only financial firm, JBWA doesn’t accept referral fees of any kind. FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE) To the extent specifically requested by a client, JBWA may offer to provide its clients with a broad range of financial planning or consulting services (including investment and non- investment related matters). Financial planning services may include the following: review of property and liability insurance; income tax planning; cash management; estate planning; planning for children’s education; retirement planning; retirement plan distribution analysis; real estate investment analysis; charitable gifting techniques; planning for special needs (e.g., disabled child, elder care, etc.); advanced estate planning techniques; practice management; planning for special situations (e.g., a business opportunity, an investment opportunity, buy-sell agreement, employment agreement, etc.). JBWA will generally charge a fixed and/or hourly fee for these services. Prior to engaging JBWA to provide financial planning or consulting services on a standalone basis, the client will generally be required to enter into a service agreement with JBWA setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to JBWA commencing services. In performing its services, JBWA shall not be required to verify any information received from clients or from the clients’ other professionals, and is expressly authorized to rely thereon. If requested by the client, JBWA may recommend the services of other professionals for implementation purposes. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from JBWA. JBWA works with each client to discuss their needs and desires and tailors the Financial Plan to the needs, desires and budget of the client. Joss Brown Wealth Advisors | Item 4 – Advisory Business 2 Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Please Also Note: It remains the client’s responsibility to promptly notify JBWA if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising JBWA’s previous recommendations and/or services. INVESTMENT ADVISORY SERVICES The client can determine to engage JBWA to provide discretionary or non-discretionary investment advisory services on a fee-only basis. Prior to engaging JBWA to provide investment advisory services, clients are required to enter into a Service Agreement with JBWA setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client. JBWA’s annual investment advisory fee shall include investment advisory services, and, to the extent specifically requested by the client, financial planning and consulting services. In the event that the client requires extraordinary planning and/or consultation services (to be determined in the sole discretion of JBWA), JBWA may determine to charge for such additional services, the dollar amount of which shall be set forth in a separate written notice to the client. Betterment for Advisors service is different from JBWA’s other investment advisory service. Betterment has a select offering of available ETFs and Betterment will conduct the trading in client accounts. For those whose assets are custodied at Schwab or Fidelity, the investments are selected from a nearly unlimited inventory and JBWA places the trades. For both the Betterment for Advisors and those that utilize our investment advisory services via Schwab, Fidelity, or other Custodian, JBWA will recommend the allocation of assets for the client. JBWA will also recommend the types of accounts the client opens, IRA, non-IRA, etc. For a portion of the clients with Betterment accounts, JBWA receives a portion of the wrap fee charged by Betterment. JBWA will receive (if charged on Betterment accounts) an additional 2% over the fee Betterment charges as outlined in the agreement. For some clients, JBWA does not receive a portion of the wrap fee charged by Betterment. For some high net worth clients, we will use separately managed accounts. Breckenridge is a provider we use that holds separately managed accounts for the bond portion of the portfolio. For clients who choose Breckenridge, there is a premium to their bond department above the firm management fee up to .35% per year. Dimensional Fund Advisors (DFA) is a provider we use that also can hold separately

managed accounts for our clients. Their annual premium for DFA above the firm management fee is currently between .29% and .5%. Retirement Rollovers-No Obligation/Conflict of Interest: A client leaving an employer typically has four options (and may engage in a combination of these options): 1) leave Joss Brown Wealth Advisors | Item 4 – Advisory Business 3 the money in his former employer’s plan, if permitted, 2) roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted, 3) rollover to an Individual Retirement Account (IRA), or 4) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). JBWA may recommend an investor roll over plan assets to an IRA managed by JBWA. As a result, JBWA may earn an asset-based fee; however, a recommendation that a client or prospective client leave their plan assets with their old employer will result also result in an asset-based fee. JBWA is indifferent and has no economic incentive to encourage an investor to roll plan assets into an IRA that JBWA will manage. There are various factors that JBWA may consider before recommending a rollover, including but not limited to: i) the investment options available in the plan versus the investment options available in an IRA, ii) fees and expenses in the plan versus the fees and expenses in an IRA, iii) the services and responsiveness of the plan’s investment professionals versus those of JBWA, iv) required minimum distributions and age considerations, vi) loan provisions, vii) bankruptcy/creditor protection, and viii) employer stock tax consequences, if any. No client is under any obligation to roll over plan assets to an IRA managed by JBWA. Non-Investment Consulting/Implementation Services. To the extent specifically requested by a client, JBWA may provide consulting services regarding non-investment related matters, such as life planning, estate planning, tax related planning, insurance, etc. Neither JBWA, nor any of its representatives, serves as an attorney or accountant. To the extent requested by a client, JBWA may recommend the services of other professionals for certain noninvestment implementation purposes (i.e. attorneys, accountants, insurance, etc.). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from JBWA. Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Please Also Note: It remains the client’s responsibility to promptly notify JBWA if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising JBWA’s previous recommendations and/or services. Independent Managers JBWA may allocate (and/or recommend that the client allocate) a portion of a client’s investment assets among unaffiliated independent investment managers or separately managed accounts in accordance with the client’s designated investment objective(s). In such situations, the Independent Manager[s] shall have day-to-day responsibility for the active discretionary management of the allocated assets. Joss Brown Wealth Advisors | Item 4 – Advisory Business 4 JBWA shall continue to render investment advisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. Factors which JBWA shall consider in recommending Independent Manager[s] include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. Please Note: Non-Discretionary Service Limitations. Clients that determine to engage JBWA on a non-discretionary investment advisory basis must be willing to accept that JBWA cannot effect any account transactions without obtaining prior verbal consent to any such transaction(s) from the client. Thus, in the event of a market correction during which the client is unavailable, JBWA will be unable to effect any account transactions (as it would for its discretionary clients) without first obtaining the client’s verbal consent. No client is under any obligation to rollover plan assets to an IRA managed by JBWA or to engage JBWA to monitor and/or manage the account while maintained at their employer. Please Note: Most mutual funds are available directly to the public. A prospective client or current client can purchase many of the mutual funds that may be recommended and utilized by JBWA without engaging JBWA as their investment advisor. However, if a prospective client determines to purchase mutual funds without JBWA’s assistance and recommendations, the client will not receive the JBWA’s initial and ongoing investment advisory services and JBWA reserves the right to terminate the relationship. Client Obligations. In performing its services, JBWA shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify JBWA if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising JBWA’s previous recommendations and/or services. Disclosure Statement. A copy of JBWA’s written brochure as set forth on Part 2A of Form ADV shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Advisory Agreement or Financial Planning Agreement. ASSETS UNDER MANAGEMENT As of April 14, 2023, JBWA the firm manages $110,986,273 in assets, $95,143,1479 on a discretionary basis and $15, 843,093 on a nondiscretionary basis. Joss Brown Wealth Advisors | Item 5 – Fees and Compensation 5