Droms Strauss Wealth Management Droms Strauss Advisors, Inc., operating under the name of Droms Strauss Wealth Management (Droms Strauss) is registered as an investment adviser with the U.S. Securities and Exchange Commission. Droms Strauss was founded in July of 1995 and is owned by Steven Strauss, Anthony Gennaoui, Rachel Rosen, and Jason Niemann. Droms Strauss primarily provides customized investment management services to high-net-worth individuals and associated trusts, estates, pension and profit-sharing plans, and other legal entities. Droms Strauss generally invests client assets in domestic and international stocks, bonds, mutual funds, exchange traded funds (“ETFs”), and certain structured investment products. Droms Strauss may hire unaffiliated investment managers (“Independent Manager(s)”) to manage a portion of client assets under a sub-advisory relationship. Droms Strauss works with each client to establish an appropriate investment profile. Once an investment plan is agreed upon, the firm prepares, on behalf of the Client, an appropriate Investment Policy Statement (IPS) that serves as the guideline for management of the Client accounts. Droms Strauss will also frequently furnish advice to clients on personal financial planning matters in the following areas:
• Cash management
• Income tax planning
• Education planning and funding
• Retirement planning
• Estate planning
• Risk management including o Personal life, disability, and long-term care insurance needs o Personal property risk management o Personal liability risk management
• Charitable giving For all Droms Strauss Wealth Management client’s advice in the foregoing areas is included in the overall services provided under the Investment Advisory Agreement and therefore available at no additional cost. Droms Strauss Intelligent Solutions Droms Strauss provides portfolio management services for some of its clients through a service line branded as Droms Strauss Intelligent Solutions. Droms Strauss Intelligent Solutions uses Institutional Intelligent Portfolios™, an automated, online investment management platform for use by independent investment advisors offered by Schwab Performance Technologies, a software provider and an affiliate of Charles Schwab & Co., Inc. (Schwab). Schwab is a FINRA member broker dealer. Through Droms Strauss Intelligent Solutions, we offer clients a range of investment strategies that we have constructed and manage.

For an additional fee, clients participating in the Intelligent Solutions program may elect to engage Droms Strauss for personal financial planning in the areas of:
• Cash management and debt reduction
• Education planning and funding
• Risk management including o Personal life and disability insurance needs o Personal property and liability risk management Droms Strauss Intelligent Solutions allocates the client’s assets among various investments taking into consideration the overall risk profile of the client employing the use of model portfolios. Droms Strauss primarily recommends portfolios consisting of cash and Exchange Traded Funds (ETFs). Droms Strauss contracts with Schwab for the technology platform, related trading and account management services for Droms Strauss Intelligent Solutions. The platform includes automated rebalancing and tax-loss harvesting (if the client is eligible and elects). The client’s portfolio is held in a brokerage account opened by the client at Charles Schwab & Co., Inc. (CS&Co.). We use the Institutional Intelligent Portfolios® platform (IIP Platform), offered by Schwab Performance Technologies (SPT), a software provider to independent investment advisors and an affiliate of CS&Co., to operate the Program. We are independent of and not owned by, affiliated with, or sponsored or supervised by SPT, CS&Co., or their affiliates (together, Schwab). We are solely responsible, and Schwab is not responsible, for determining the appropriateness of the Program for the client, choosing a suitable investment strategy and portfolio for the client’s investment needs and goals, and managing that portfolio on an ongoing basis. We have contracted with SPT to provide us with the Platform, which consists of technology and related trading and account management services for the Program. The Platform enables us to make the Program available to clients online and includes a system that automates certain key parts of our investment process. We charge a fee for our services as described below under Item 5 Fees and Compensation. Our fees are not set or supervised by Schwab. Clients do not pay brokerage commissions or any other fees to CS&Co. as part of the Program. Schwab does receive other revenues in connection with the Program. Assets Managed As of December 31, 2022, the firm managed $590 million on a discretionary basis and $3 million on a non- discretionary basis. Wrap Fee Programs We do not participate in wrap fee programs.