Advisory Business Goldenstone Wealth Management (the “Firm”, “we”, “us”, “Goldenstone”), is an independent investment management and advisory firm, founded in July, 2020. It is structured as a Limited Liability Company and is owned equally (50% each) by the two founders and partners that also serve as the only two advisers for the Firm:
• Sanjay Varshney, PhD, CFA
• Andres Villegas, CFA Goldenstone is not owned by any parent company and does not have any subsidiaries, intermediate or otherwise. The founders/advisers have an established track record of success in helping clients meet their financial goals. We help grow and preserve wealth for individuals, business owners, and institutions, recognizing each client is unique. Driven by our mission and constant desire to exceed your expectations, we provide unbiased financial advice, custom-tailor portfolios, financial plans, and solutions appropriate for you. Our collective wealth management experience spans over 30 years, having managed millions of dollars for clients in small investment boutiques as well those in one of the nation’s largest wealth management firms. We have advanced graduate training and our advisors hold the CHARTERED FINANCIAL ANALYST (CFA®) designation — which is considered the gold standard and highest distinction in the investment management profession. We help clients succeed in bull and bear markets, thrive through economic booms and busts, and navigate the most difficult and uncertain financial times with discipline, skill, and confidence. A fiduciary has the greatest legal duty to uphold themselves to the highest ethical standards and utmost integrity by putting client’s interests above their own personal interests. We always act as your fiduciary since we do not receive any commissions and are not influenced by marketing groups or receive any direct or indirect monetary benefits from any such association. We manage your money using loyalty, prudence, and care. Our Services are summarized below: Investment Management The portfolios, plans, and strategies we build are individualized and customized to your objectives, risk tolerance,

time horizon, goals for cash flows and income, and other considerations affecting your wealth and portfolio needs, recognizing that you are unique and different. We serve individuals, business owners, and institutional clients. We serve as fiduciaries for our clients and honor their requests and any restrictions the clients may impose on investing in certain securities or types of securities. We do not participate in wrap fee programs. ADV Part 2A & Part 2B – Firm Brochure & Brochure Supplement Goldenstone Wealth Management | Page 5 As of December 2023, Goldenstone Wealth Management has: Discretionary assets: $86,519,000 162 Non-discretionary asset: $50,241,000 6 Total assets: $136,760,000 168
• Ongoing Portfolio/Asset Management, Monitoring, Trading, and Rebalancing
• Customized Income and Growth Strategies
• Goals-Based Investing
• Tax Mitigation Strategies
• Portfolio Analysis and Strategies
• Economic, Market Updates, and Reviews
• Interpretation of the Global Economic and Financial Markets Retirement Planning Whether you’re retired, thinking about early retirement, or need a second opinion, we can help you properly plan, adapt, and aim for a successful retirement journey. We help you reach your retirement goals.
• Individual Retirement Accounts (IRAs)
• 401(k) Rollovers
• SEP IRAs
• Solo 401(k), Individual 401(k), Owner-Only 401(k)
• SIMPLE IRAs
• Profit Sharing Plans
• Retirement Income Strategies
• Understand your Balance Sheet
• Grow your Net Worth Financial Planning We conduct a free comprehensive evaluation of your current and future income sources, savings, and investments to formulate an investment strategy specific to saving, investing, and planning. This is part of our holistic discovery and evaluation process to provide the best portfolio management services.
• Investment Planning
• Retirement Planning
• Cash Flow Planning
• Education Planning
• Philanthropic Planning ADV Part 2A & Part 2B – Firm Brochure & Brochure Supplement Goldenstone Wealth Management | Page 6