Our Company & Principals Sage Rutty & Co. Inc. (SRC) is a federally registered investment advisor with the Securities and Exchange Commission (SEC). Since 1937 Sage Rutty & Co., Inc. has also been registered with the Securities and Exchange Commission as a broker/dealer offering investment advice. For more than 100 years, Sage Rutty & Co., Inc. has helped families invest and manage their financial assets, allowing them to create and preserve wealth for generations. The President of Sage Rutty is Mr. Trevor Holly. Types of Services we offer: Sage Rutty provides advisory services through various platforms. 1. Wrap Fee Programs - Sage Rutty has wrap fee programs we utilize at the following custodians: First Clearing, LLC1, SEI Investment Management Corp., and Schwab Advisor Services, a division of Charles Schwab & Co., Inc (“Schwab”). 2. Financial Planning Department advisory platform - Salaried members of Sage Rutty’s financial planning department work with advisory representatives to develop a written financial strategy for clients based on their particular financial situation, investment objectives and needs. 3. QRP - Under the QRP (formerly SIP) advisory service platform, SRC advisory representatives gather information from qualified plan participant clients to develop investment strategies and recommendations for plan participants based on their particular financial situation, investment objectives and needs. Implementation of investment recommendations made by SRC advisory representatives may be either at the discretion of the Advisor or the plan participant client depending on the nature of the relationship. All changes will be executed through the qualified plan program. CUSTOMIZATION OF ACCOUNTS & RESTRICTIONS ON INVESTMENTS All advisory services are specific to the individual client’s needs. After an initial meeting to discuss in detail the client’s overall financial picture, this discussion may include, but is not limited to all relevant financial background and future goals, family dynamics and retirement and estate needs. A recommendation is then presented by the advisor representative for input from each client. All clients are expected to be very involved in this process allowing the client and advisor to reach the best plan available that meets the client’s individual needs. If needed, and as mutually agreed to by us, the client may restrict certain types of investments in their account. FINANCIAL PLANNING Under the Financial Planning Department advisory service platform, salaried members of Sage Rutty’s financial planning department work with your Financial Advisor to develop a written financial strategy based on your particular financial situation, investment objectives, and risk tolerance. Several levels of planning services are available to provide you with a detailed plan addressing your individual planning questions. However, implementation of plan recommendations is at the full discretion of the client. Once a client has expressed an interest in contracting for a financial plan, relevant preliminary data is gathered. Based on this information, the client's objectives, and the areas to be covered in the plan, a fee (if any) is calculated. If the fee is agreeable to the client, more detailed information about the client is collected in a confidential questionnaire. A financial planning agreement, outlining the work to be done, is prepared for the client's signature. Supporting documents such as recent personal and business tax returns, wills and trusts financial statements, etc., are requested from the client. Work is begun upon Sage Rutty’s receipt of the completed questionnaire, signed financial planning agreement, and a check made payable to Sage Rutty & Co. for not less than 50% of the stated fee. The balance of the fee is due upon presentation of the completed plan. 1First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non- bank affiliate of Wells Fargo & Company. If the client decides not to proceed with the preparation of the plan within five (5) business days from the date of the agreement, Sage Rutty will return the client's retainer fee and all supporting documents. Sage Rutty’s Financial Planning Department offers several financial planning modules to its clients. These levels are differentiated according to the scope of study and analysis contained therein and is intended to effectively address client situations of varying degrees of complexity.
• FOUNDATION module focuses on providing strategies and recommendations in the areas of budget and cash management, five-year projections of cash flow, income taxes and net worth, asset allocation and education analysis.
• RETIREMENT module includes the foundation module analysis and focuses on providing strategies relating to long-term projections of cash flow, income taxes and net worth.
• SOCIAL SECURITY module provides a step by step Social Security benefit claim strategy to our clients that will help them maximize their benefits under three different scenarios.
• RISK MANAGEMENT module includes the foundation module analysis and focuses on providing strategies and recommendations in the areas of life insurance, disability insurance, and long- term care insurance.
• ESTATE PLANNING module includes the foundation module analysis and focuses on providing strategies and recommendations in the areas of current estate distributions.
• COMPREHENSIVE FINANCIAL PLAN module focuses on providing strategies and recommendations in all of the areas contained in each of the four modules described above. The plan, when presented to the client, will make generic recommendations of appropriate strategies and investments. Implementation of any recommendation is at the sole discretion, and responsibility, of the client. If the client is interested in purchasing investments, specific investment products will be recommended by the advisory Representative in his/her capacity as a registered representative or insurance agent. In addition to our Financial Planning Department, individual Advisors at Sage, Rutty may also provide fee- based planning services and / or consulting services to their clients. A financial plan is designed to help the client with all aspects of financial planning with or without ongoing investment management after the financial plan is completed. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Financial planning is a discovery process whereas situations may occur where the client is unaware of certain financial exposures or predicaments. Detailed investment advice and specific recommendations are provided as part of a financial plan; however, implementation of the recommendations is at the discretion of the client. Financial planning can range in complexity, and as a result, planning fees are negotiable on a case-by-case basis. Fees for Planning Services The fee for a financial plan is dependent on the scope of the plan. Sage Rutty has several fee structures for the services set forth above. The specific fee structure utilized in any given situation shall be fully discussed with the client and disclosed in the Financial Planning Agreement, which the client signs with Sage Rutty prior to the commencement of any services. Some of the possible fee structures are: - Financial Planning Modular/Comprehensive Fees: as a fixed fee, a software-generated modular or comprehensive plan are available typically ranging from $250-$10,000, depending on the specific service requested and the nature and complexity of each client's circumstances. - Hourly Fees: individual Advisors at Sage Rutty may charge an hourly fee typically ranging from $250-$500 per hour for services which may vary depending upon the needs of the client and the complexity of the plan/consulting. The exact hourly rate, as well as the work to be performed, will be specifically disclosed in the Financial Planning Agreement, and agreed to by the client. For financial planning engagements, a portion of the planning fee may be due and payable at the time the investment advisory agreement is signed with the balance of the fee due as portions of the plan are completed and delivered to the client. In the event that the client’s situation is substantially different than disclosed at the initial meeting, a revised fee will be provided for mutual agreement. The client must approve the change of scope in advance of the additional work being performed when a fee increase is necessary. Sage Rutty clients will not be charged more than an initial fee of $1,200 for any financial or estate plan that is expected to exceed 6 months for completion. The Financial Planning Agreement by and between Sage Rutty and the client may be canceled at any time by providing written notice to the other party of their desire to cancel the agreement. In either case, all checks should be paid to the firm and not your Advisor. QRP (formerly SIP) Management Sage Rutty Financial Advisors gather information from qualified retirement plan participant clients to develop investment strategies and recommendations for plan participants based on their particular financial situation, investment objectives and needs. Implementation of investment recommendations made by Sage Rutty Financial Advisors is at either the discretion of the participant client or their Financial Advisor, as determined by written agreement and is executed through the qualified retirement plan program. Sage Rutty may utilize a third-party platform, Pontera (formerly FeeX), which is an Order Management System to facilitate management of held away assets such as defined contribution plan participant accounts held in qualified retirement plan programs. The platform allows the Financial Advisor to avoid being considered to have custody of Client funds since Sage Rutty does not have direct access to Client log-in credentials to affect trades. In order to engage in the use of the platform, both the Client and Financial Advisor will need to execute the Pontera agreement. As part of this agreement, the advisory fee will be disclosed to Client, with a maximum rate of 1.00%. Sage Rutty is not affiliated with the platform in any way. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, the Financial Advisor will review the current account allocations. When deemed necessary, the Financial Advisor will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. The Financial Advisor will regularly review the available investment options in these accounts, monitor them, and rebalance and implement strategies in the same way they do in other accounts, as deemed necessary. Wrap Fee Programs Sage Rutty has a wrap fee program we utilize at the following custodians: First Clearing, LLC1, SEI Investment Management Corp., and Schwab Advisor Services, a division of Charles Schwab & Co., Inc (“Schwab”). After an evaluation of your individual situation and objectives, your Financial Advisor will work with you to select the program that best suits your needs. When you participate in a wrap program, your net fees generally include management fees, performance reporting, transaction fees, and may also include custody fees. Non-wrap programs charge these fees separately, and the net cost of these programs could be higher or lower than the cost of the combined services under a wrap program. Sage Rutty & Co., Inc. and your Financial Advisor will share in a portion of the management fees that are charged to you. We do not charge our clients higher advisory fees based on their trading activity, but you should be aware that we may have an incentive to limit our trading activities in your account(s) because we may be charged for executed trades. Asset Advisor The Asset Advisor program is designed for investors seeking the investment knowledge, experience and guidance of a financial advisor, and the flexibility to hold multiple products, including stocks, bonds and select mutual funds in a single account. An annual fee (billed quarterly) covers the cost of advice and transactions and includes periodic

performance reports to track portfolio progress. Advisory products are not designed for excessively traded or inactive accounts and are not suitable for all clients. You should carefully review the Advisory Disclosure Document associated with the program for a full description of services, including fees and expenses and those fees or expenses that may be excluded. The minimum account size for this program is $25,000. CustomChoice The CustomChoice program is designed for investors seeking a diversified investment program that includes the investment knowledge and objective advice of a financial advisor who can provide guidance in constructing a customized portfolio of mutual funds. The program’s broad universe of mutual funds includes many that are only available to institutional investors. Advisory products are not designed for excessively traded or inactive accounts and are not suitable for all clients. You should carefully review the Advisory Disclosure Document associated with the program for a full description of services, including fees and expenses and those fees or expenses that may be excluded. The minimum account size for this program is $25,000. FundSource® The FundSource program is designed for investors who want a diversified portfolio of mutual funds that fits their personal investment goals. It provides a framework for establishing an investment strategy that takes into account your financial goals, risk tolerance and willingness to make adjustments as your life changes. Then, working with your financial advisor, you develop a plan tailored to your needs. The FundSource program offers professionally managed portfolios of mutual funds tied to specific investment objectives. A key element of the program is an advice process to help you choose the predefined portfolio – or create a customized portfolio using recommended funds – that best fits your investment goals and tolerance for risk. The investment return and principal return of a mutual fund will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original price. The fees for advisory programs listed are asset based and assessed quarterly in advance. There may be a minimum fee to maintain this type of account. Fees include advisory services, performance measurement, transaction costs, custody services and trading. These fees do not cover the fees and expenses of any underlying exchange traded funds, closed-end funds or mutual funds in the portfolio. Advisory accounts are not designed for excessively traded or inactive accounts and may not be suitable for all investors. Please carefully review the Advisory Disclosure Document associated with the program for a full description of our services, including fees and expenses. The minimum account size for these programs is $25,000. FundSource Foundations℠ The FundSource Foundations program gives you access to professionally managed portfolios of mutual funds aligned for specific goals and investment objectives. The program offers active portfolio management, ongoing mutual fund analysis, automatic rebalancing and performance monitoring. The FundSource Foundations program is designed for investors who want a diversified portfolio of mutual funds that fits their personal investment goals. It offers the expertise of professional investment managers in constructing and managing a portfolio based on Wells Fargo Investment Institute analysis and advice. The investment return and principal return of a mutual fund will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original price. The fees for advisory programs listed are asset based and assessed quarterly in advance. There may be a minimum fee to maintain this type of account. Fees include advisory services, performance measurement, transaction costs, custody services and trading. These fees do not cover the fees and expenses of any underlying exchange traded funds, closed-end funds or mutual funds in the portfolio. Advisory accounts are not designed for excessively traded or inactive accounts and may not be suitable for all investors. Please carefully review the Advisory Disclosure Document associated with the program for a full description of our services, including fees and expenses. The minimum account size for this program is $10,000. FundSource® Pathways® Blends With the Pathways portfolios, you get access to blends of Russell mutual funds based on the analysis and advice of Russell Investments, which has been serving institutional clients for more than 40 years. Through the Pathways portfolios, you gain access to Russell’s research, analysis and investment strategies, as well as ongoing review of your investment portfolio. The Pathways portfolios are designed for investors who want a diversified investment program that includes an active approach to asset allocation, prefer professional portfolio managers who can make investment decisions on their behalf, and appreciate a program that includes portfolio monitoring, automatic rebalancing and quarterly reporting. The investment return and principal return of a mutual fund will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original price. The fees for advisory programs listed are asset based and assessed quarterly in advance. There may be a minimum fee to maintain this type of account. Fees include advisory services, performance measurement, transaction costs, custody services and trading. These fees do not cover the fees and expenses of any underlying exchange traded funds, closed-end funds or mutual funds in the portfolio. Advisory accounts are not designed for excessively traded or inactive accounts and may not be suitable for all investors. Please carefully review the Advisory Disclosure Document associated with the program for a full description of our services, including fees and expenses. The minimum account size for these programs is between $10,000 and $2,000,000. Personalized Unified Managed Account – UMA The Personalized Unified Managed Account (UMA), formerly known as the Diversified Managed Allocations (DMA) program, is designed for investors seeking the ability to customize a portfolio to their specific needs and goals, along with guidance from an experienced, professional money manager. UMA offers the combination of investment strategies from various investment managers, mutual funds and exchange-traded funds (ETFs) on a single wealth management platform. Masters, Wells Fargo COMPASS® and Allocation Advisors are all exclusively available under the Personalized UMA program. Exchange Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Exchange Traded Funds may yield investment results that, before expenses, generally correspond to the price and yield of a particular index. There is no assurance that the price and yield performance of the index can be fully matched. The investment return and principal return of a mutual fund will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original price. Advisory products are not designed for excessively traded or inactive accounts and are not suitable for all clients. You should carefully review the Advisory Disclosure Document associated with the program for a full description of services, including fees and expenses and those fees or expenses that may be excluded. The minimum account size for this program is $50,000. Allocation Advisors Allocation Advisors is designed for investors seeking professionally managed portfolios composed primarily of exchange-traded funds (ETFs), with the goal of providing diversification while keeping underlying investment costs to a minimum. Exchange Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Exchange Traded funds may yield investment results that, before expenses, generally correspond to the price and yield of a particular index. There is no assurance that the price and yield performance of the index can be fully matched. Advisory products are not designed for excessively traded or inactive accounts and may not be suitable for all investors. You should carefully review the Advisory Disclosure Document associated with the program for a full description of services, including fees and expenses and those fees or expenses that may be excluded. The minimum account size for this program is between $10,000 and $50,000 depending on the program or strategy selected. Masters The Masters program is designed for investors seeking personalized investment portfolios with access to the nation’s top institutional investment managers. It offers a complete package of services including guidance for selecting investment managers, flexibility in portfolio management, and ongoing monitoring and evaluation. Advisory products are not designed for excessively traded or inactive accounts and are not suitable for all clients. You should carefully review the Advisory Disclosure Document associated with the program for a full description of services, including fees and expenses and those fees or expenses that may be excluded. The minimum account size for this program is $100,000. Wells Fargo COMPASS® The Wells Fargo COMPASS® advisory program provides an asset allocation or style- specific portfolio to meet long-term investment objectives. It is designed for investors who prefer a portfolio manager who can make investment decisions on their behalf. The program offers objective advice, professional money management, the simplicity of one account, and quarterly performance reporting. General Disclosure: The fees for the Wells Fargo COMPASS® advisory program are asset based and assessed quarterly in advance. There is a minimum fee of $250 per calendar quarter to maintain this type of account. Fees include advisory services, performance measurement, transaction costs, custody services and trading. These fees do not cover the fees and expenses of any underlying exchange traded funds, closed-end funds or mutual funds in the portfolio. Advisory accounts are not designed for excessively traded or inactive accounts and may not be suitable for all investors. Please carefully review the Advisory Disclosure Document for a full description of our services, including fees and expenses. The minimum account size for this program is between $150,000 and $250,000. Private Advisor Network Private Advisor Network is designed for investors seeking direct access to professional money managers and their investment services. It offers the flexibility of individual security ownership for tax and planning purposes, and the ability to customize an investment portfolio to specific needs and circumstances. Advisory products are not designed for excessively traded or inactive accounts and are not suitable for all clients. You should carefully review the Advisory Disclosure Document associated with the program for a full description of services, including fees and expenses and those fees or expenses that may be excluded. The minimum account size for this program is $100,000. The Private Investment Management (PIM®) Program Our brokerage firm offers the Private Investment Management (PIM®) program which is a customized portfolio management program geared toward your specific investment goals. As your portfolio manager, your financial advisor actively manages your portfolio on an ongoing, discretionary basis using his or her individual investment style. The fees for advisory programs listed are asset based and assessed quarterly in advance. There may be a minimum fee to maintain this type of account. Fees include advisory services, performance measurement, transaction costs, custody services and trading. These fees do not cover the fees and expenses of any underlying exchange traded funds, closed-end funds or mutual funds in the portfolio. Advisory accounts are not designed for excessively traded or inactive accounts and may not be suitable for all investors. Please carefully review the Advisory Disclosure Document associated with the program for a full description of our services, including fees and expenses. The minimum account size for these programs is $50,000. Client Assets Managed by Us U.S. Dollar Amount Total Number of Accounts Discretionary $ 971,459,331 2,403 Non-Discretionary $ 1,494,004,288 4,531 Total $ 2,465,463,619 6,934 As of 12/31/2023