BPM Wealth Advisors, LLC (“BPMWA”, “Us”, “We”), was established as a California limited partnership in January of 2023 and subsequently made application to become an SEC registered investment adviser in May of 2023. Registration of an Investment Adviser does not imply any level of skill or training. BPM, LLP is the only member of BPM Wealth Advisors LLC and holds a 100 percent ownership interest in the firm. BPM, LLP is a public accounting firm providing accounting, tax and other related services to common clients of BPMWA. (See sections 10 and 14 below for additional information regarding BPM, LLP). BPMWA offers the following financial planning, asset management and insurance consulting services:  Retirement Planning – We help clients plan for a financially secure retirement by developing a retirement income plan, analyzing Social Security benefits, providing insights about tax-efficient retirement savings and planning their charitable giving. We also assist clients in reducing their tax burden by minimizing the impact of taxes on investment returns through tax-loss harvesting, adopting Roth IRA conversions where desirable and optimizing the sale of assets.  Qualified Retirement Plans – We advise business owners on implementing Employee Retirement Income Security Act (ERISA) 3(21) retirement plans that can attract and retain employees while fulfilling the company’s fiduciary obligations.  Asset Management – We help individual and institutional clients develop and manage a diversified portfolio based on their risk tolerance, financial goals and investment horizon. Our approach combines passive and active management to maximize returns while minimizing risk.  Insurance – We consult with clients on a full array of insurance products including reviews of existing life insurance policies and life settlements, disability and long-term care insurance, annuities, and related planning. Thereafter, we may conduct annual policy reviews to ensure policies are performing as intended. Financial Planning BPMWA provides financial planning and consulting services to its clients. These services may address subjects, including but not limited to, budgeting/cash flow, wealth management strategies, estate planning, insurance planning, executive benefits and business succession/planning, education planning, tax planning, and investments. We offer financial plannings services at an hourly rate, a flat fee or a rate based on the overall value of the estate, retirement plan or other component for which BPMWA

is providing planning services. (See Item 5 below) In such event, we will provide you with a copy of our Financial Planning Agreement. You are under no obligation to sign the agreement or proceed with these services. We utilize RightCapital financial planning software to assist in gathering relevant information about your financial circumstances, goals and objectives. Once such information has been reviewed and analyzed, a written financial plan may be produced and presented to you and/or we may provide consultations with general or specific recommendations, which may be given orally. Financial plans are based on your financial situation at the time we present the plan to you, and on the financial information you provide to our firm. You should also be aware that our financial plans may contain certain assumptions with respect to interest and inflation rates, along with past trends and performance. Past performance is in no way an indication of future performance. You must promptly notify our firm if your financial situation, goals, objectives, or needs change. You may terminate the financial planning agreement upon written notice to our firm. You will incur a charge for services rendered prior to the termination of the agreement based on our contracted rate. We may waive our financial planning fees at our discretion based on factors such as scope of work, and whether the client chooses to implement the advice through our asset management services. Clients are not obligated to act on our financial planning recommendations. Asset Management BPMWA provides asset management services on a discretionary basis using Third- Party Money Managers. BPMWA will Identify and monitor appropriate unaffiliated Third-Party Money Managers who will implement trading strategies for our clients. Any Third-Party Money Manager utilized by BPMWA will be: party to an executed Agreement with BPMWA; subject to a due diligence review; licensed as an investment advisor with the SEC and/or the appropriate state; and, will provide its own ADV 2 A disclosure document and client agreement to each client describing its services, compensation arrangements and any potential conflicts of interest. Insurance Consulting We consult with clients on a full array of insurance products including reviews of existing life insurance policies and life settlements, disability and long-term care insurance, annuities, and related planning. Thereafter, we may conduct annual policy reviews to ensure policies are performing as intended.