Introduction and Overview This brochure contains important information. We encourage you to read it carefully and ask questions if there is any information that you do not understand. In this brochure, references to “we,” “us,” “our,” or “our firm” refer to Maner Wealth, LLC. Individuals who serve as our managers, officers, employees, and investment adviser representatives may also be referred to as our “advisers.” Our firm’s clients and prospective clients are referred to as “you,” “your,” or “our clients.” Maner Wealth, LLC is a Michigan-based investment adviser who was registered with the State of Michigan from 2020 to 2024. We became registered with the Securities and Exchange Commission in 2024. Our principal owners are Maner, Costerisan & Ellis, PC. Michael C. Nordmann serves as our Chief Compliance Officer. Portfolio Management Services We provide investment management services on both a discretionary and non-discretionary basis that use various security investments such as: mutual funds; stocks; bonds; and other types of securities. Through personal discussions we help establish your investment goals, objectives and risk tolerance. With this information, we create and manage your individualized portfolio. We will regularly monitor your portfolio and adjust it as determined by the financial markets, world events and your financial situation. Types of Advisory Services available through our Subadvisory Relationships When appropriate for your situation, we may select a third-party manager to act as a subadvisor for your account. When we do so, we will select a manager whose style and talent best fits your individual needs and objectives. Your agreement with us gives us the authority to hire or fire these managers on your behalf. Once a subadvisor is selected, we will continue to monitor their performance. Some of the investment management services we offer are in the form of model portfolios provided by Advisory Alpha, LLC (CRD# 158282) that invest in a variety of diversified allocations structured towards a wide range of investment goals. Variable Annuity Services The subadvisor manages a series of portfolios on a fee-based variable annuity platform. This allows for larger tax deferrals, and it allows you to consolidate variable annuity gains under a single contract. With access to more than 350 subaccounts, all portfolio models are appropriately managed and diversified according to the stated investment objective. The platform charges a monthly flat fee, subaccounts are subject to their internal expenses, and we charge a management fee. 4 3/1/2024 Retirement Plan Services In conjunction with the advisory services offered from the subadvisor our turnkey retirement plan platform provides qualified retirement plan sponsors with a flexible, yet easy solution that includes significant fiduciary protection and powerful investment selections. We generally serve as a 3(38) Investment Fiduciary but may serve in a 3(21)-capacity depending on your needs. The key difference between these two types of fiduciaries is whether you engage us as a discretionary manager.

As a 3(38) manager, you give us discretionary authority to manage your plan’s assets. This means you shift your fiduciary responsibility to us for the selection of your investments. If you hire us as a 3(21) advisor, we will make recommendations, but it is ultimately up to you, as the plan sponsor, to decide whether and how to act. As a 3(21) advisor, we will not have discretion to invest and reinvest your assets without your prior consent. Thus, as a 3(21) advisor, we will share responsibility for the selection of investments. The subadvisor provides five professionally managed portfolio models for plan participants. All five portfolio models are fully diversified and actively managed to maximize potential returns at each risk level. Plan participants are also given the option of constructing their own investment portfolios using a selection of ETFs. The professionally managed portfolios are available at no additional expense. Financial Planning Services Financial plans and financial planning may include but are not limited to: investment planning, tax concerns, retirement planning, college planning, private placements, real estate transactions and, for 401(k) plans, investment due diligence. These services are based on fixed, hourly, or monthly fees and the final fee structure is documented in the planning agreement with our clients. Services Limited to Specific Types of Investments We generally limit investment advice and/or money management to ETFs, mutual funds, and market-linked certificate of deposits. However, we may use other securities (e.g. closed-end mutual funds or variable annuities) to help diversify a portfolio when applicable. Client-Tailored Services and Client-Imposed Restrictions We offer the same suite of services to all of our clients. However, your specific financial goals and their implementation depend on your Investment Policy Statement that outlines your current situation (income, tax levels, and risk tolerance levels). This is used in conjunction with gathered investment objective information to construct your plan and help select a portfolio that matches your restrictions, needs, and targets. You may impose restrictions to investing in certain securities or types of securities in accordance with your values or beliefs. If you choose to impose restrictions on our portfolio management, you should be aware that it could cause your account to underperform compared 5 3/1/2024 to similar portfolios that do not apply such restrictions. Accordingly, you may forego opportunities for us to buy certain securities when it might otherwise be advantageous to do so, or you may request us to sell securities for reasons when it might otherwise be disadvantageous to do so. Additionally, if your restrictions prevent us from properly servicing your account or require us to deviate significantly from our standard suite of services, we reserve the right to end our relationship with you. Assets Under Management Maner Wealth, LLC has assets under management as follows: Discretionary Assets: Non-discretionary Assets: Date Calculated: $ 198,223,422 $ 0 01/01/2024