A. Description of the Advisory Firm Riverchase Wealth Management, LLC is an investment advisory firm offering financial planning, investment management services and retirement plan consulting services. Prior to engaging the firm to provide any services, the client is required to enter into one or more written agreements with Riverchase Wealth Management, LLC setting forth the terms and conditions under which the firm renders its services. Riverchase Wealth Management, LLC is a limited liability company formed on March 9, 2011 under the laws of the State of Texas and became registered with the State of Texas on May 25, 2011. The firm was originally started under the name of Riverchase Financial Planning, LLC and in 2016 changed its name to Riverchase Wealth Management, LLC (hereinafter referred to as “RWM”). The principal owners of RWM are Sean Paul Kelleher and Albert Everett Dean III. B. Types of Advisory Services RWM offers the following services to advisory clients: Financial Planning Financial plans and financial planning may include, but are not limited to, analysis and recommendations in the areas of: cash flow, debt management, investment planning, tax planning, insurance planning, retirement planning, education planning, estate planning, legacy planning and other special situations related to the client’s financial status. These financial planning services are based on fixed fees and the final fee structure is documented in the Financial Planning Agreement. RWM collects the pertinent data, conducts personal interviews with the client, prepares analysis of the financial data and written recommendations to the client regarding various elements of the client’s specific situation including any or all of the areas identified below: ▪ Cash Flow – budgeting, tracking expenses, saving, emergency funds, debt management, etc. ▪ Investment Planning – portfolio analysis, asset allocation and recommendations ▪ Tax Planning – use of tax advantaged accounts, effect of taxes on the client’s plan ▪ Risk Management – life insurance, disability, long term care, property and casualty ▪ Retirement Planning – accumulation, distribution, social security ▪ Education Planning – needs analysis and funding options (529, Coverdell, UTMA/UGMA) ▪ Estate Planning – taxes, beneficiary designations, liquidity, trusts, gifting, etc. ▪ Legacy Planning – charitable giving ▪ Special Situations – needs analysis and funding options for special situations such as special needs dependents, second homes, weddings, dream vacations, etc. The following are examples of typical financial planning arrangements offered to clients: Initial Consultation This meeting, usually an hour in length, is held in RWM’s offices. The purpose of the meeting is to get acquainted with the prospective client and determine if a relationship would be in both of our interests. During this meeting, we aim to learn more about the prospective client, their concerns and what services they are interested in. We will also share with them who we are, the services we may be able to provide and an estimate of the fees we would charge. This meeting is offered at no charge and with no obligation on the prospective client’s part following the meeting. Planning Consultation Our Planning Consultation service is designed to provide a one-time, high-level analysis of core areas that are often the most influential on your financial journey. The goal is to provide professional guidance in a collaborative format. The specific services to be provided and the fees charged will be described in the Financial Planning Agreement. The process begins with the client completing the data input via their personal secured portal prior to the consultation. Once the data input is completed by the client, RWM will meet with the client for a two-hour consultation that will focus on: ▪ Reviewing and advising on personal financial goals ▪ Analysis of cash flow ▪ Analysis of the progress towards retirement and education goals ▪ Recommendations for amounts to be saved towards retirement and education goals ▪ Development of a target asset allocation (limited to asset class weightings) ▪ Review of the most recent tax return ▪ Documenting recommended action steps related to the above topics Following completion of the Planning Consultation meeting, the client will be provided with a letter detailing a summary of the topics discussed and RWM’s recommended action items for the coming year. At this point, the engagement is concluded. The client may re-engage RWM as needed and it is the client’s responsibility to engage RWM for future services, additional services or continued advice. The Planning Consultation service should not be considered in any way a comprehensive analysis of a client’s financial situation and goals. Comprehensive Financial Plan A comprehensive financial plan provides the most thorough analysis of a client’s financial situation and a plan for pursuing their financial goals. A comprehensive financial plan will usually, depending on the client’s needs/goals, include analysis and recommendations for each of areas described above. The process begins with a data gathering meeting to gather information needed to assess the client’s current financial situation. During this meeting we also work with the client to develop a clear picture of their goals and wishes for their financial future. RWM will then analyze the information and develop a plan that addresses each of the areas that are relevant to the client’s needs/goals. Specific investment recommendations that are included in the plan are limited to current portfolio holdings. Once the plan is completed, RWM will meet with the client to present the plan, including a written analysis of RWM’s observations, recommendations and a

list of action items that the client can use to begin implementing the plan. RWM’s financial planning services are usually offered to clients who wish to engage RWM for ongoing investment management services. For these clients, a fee will be paid for the initial comprehensive financial plan. Once the plan is presented and the client has engaged RWM for investment management services, RWM will provide ongoing advice in helping the client implement the recommendations made, as well as review and update the financial plan on a periodic basis. Clients engaging RWM for both financial planning and investment management services at the same time will execute with RWM separate Financial Planning and Investment Advisory agreements or a combined Wealth Management Agreement. The agreement(s) will detail the scope of services to be provided and the fees for those services. For clients who only engage RWM for a comprehensive financial plan, once the plan is presented the engagement is concluded. The client may re-engage RWM as needed. Periodic reviews of financial plans are recommended, and it is the client’s responsibility to initiate these reviews. Concierge Services and Special Projects Due to the breadth areas that RWM advises on, there are times when a client only desires RWM’s assistance with one area, or a particular concern/issue instead of a broader engagement. Examples of these situations could include an analysis of social security benefits, reviewing employer benefits, divorce planning or assistance with the implementation of a plan developed by RWM. The specific services to be provided and the fees charged will be described in the Financial Planning Agreement. Upon providing and presenting RWM’s recommendations for the client, the engagement is concluded. The client may re-engage RWM as needed, and it is the client’s responsibility to engage RWM for future services, additional services or continued advice. Investment Management Services RWM offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. RWM creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan (the Investment Policy Statement) to aid in the selection of a portfolio that matches each client’s specific situation. Investment Supervisory Services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring RWM evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. Disclosure Regarding IRA Rollover Recommendations When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Selection of Other Advisors RWM may direct clients to third-party money managers. The third-party manager will be determined based on the client’s investment goals, time horizon, risk tolerance, and investment objectives. RWM will charge clients a separate and distinct fee from that collected by the third-party managers to which it directs those clients. Before selecting other managers for clients, RWM will always ensure those other managers are properly licensed or registered as investment advisor. Services Limited to Specific Types of Investments RWM limits its investment advice and/or money management to mutual funds, equities, bonds, fixed income, debt securities, ETFs, REITs, unit investment trusts, government securities and variable annuities. RWM may use other securities or investment vehicles as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions RWM offers the same suite of services to all of its clients. However, specific client financial plans and their implementation are tailored to the needs of the client and are dependent each client’s current financial situation and objectives. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent RWM from properly servicing the client account, or if the restrictions would require RWM to deviate from its standard suite of services, RWM reserves the right to end the relationship. D. Wrap Fee Programs RWM does not participate in any wrap fee programs. E. Amounts Under Management As of December 31, 2023, the amount of discretionary assets under management by RWM totaled $117,026,645. RWM does not offer non-discretionary assets management services.