FORVIS Wealth Advisors, LLC (“FORVIS Wealth Advisors”) is an investment advisory firm registered with the United States Securities and Exchange Commission. FORVIS Wealth Advisors is a wholly owned subsidiary of FORVIS, LLP (“FORVIS”), an accounting and professional services firm. FORVIS Wealth Advisors provides financial planning, investment management, investment consulting and retirement plan consulting. We provide services to assist individuals, families, pension and profit-sharing plans, institutions, and nonprofit entities. As of May 31, 2023, FORVIS Wealth Advisors had total assets under management as follows:
• Discretionary $7,713,645,693
• Non-discretionary $174,476,152
• Total $7,888,121,845 As of May 31, 2023, we had an additional $920,342,132 in assets under advisement (AUA). These assets, such as retirement plan assets, are not directly managed by us but we provide advisory and consulting services to such clients. FORVIS Private Client™ Services Our affiliation with FORVIS allows our clients to receive financial planning, investment management, and tax/accounting services as part of an integrated service offering known as FORVIS Private Client. This Brochure describes the wealth management services provided by FORVIS Wealth Advisors and the related compensation. Tax and accounting services are provided by FORVIS pursuant to a separate agreement and for which separate and additional fees may be incurred. Wealth management services of FORVIS Wealth Advisors are offered under the brand FORVIS Private Client. Fees for wealth management services will be invoiced separately from tax and accounting services provided by FORVIS unless other arrangements have been made. FORVIS Private Client integrated services may include: Financial Planning & Investment Management. These services are provided by FORVIS Wealth Advisors for individuals and family clients and are described more fully below. Consultative Tax. The accountants of FORVIS offer customized analysis, individual and entity-specific tax compliance services, tax planning strategies, and tax projections. Services offered are pursuant to a separate agreement and separate and additional fees may be incurred. Family Office. Services offered include a customized suite of services and tailored solutions designed to help ultra- high net worth clients—from tax and estate planning, investment management, and philanthropic strategy—to recommending and coordinating family counselors and risk management consultants. Any recommendations we make to engage FORVIS for services are optional, but do present a conflict of interest. Please refer to Item 10 for more information regarding our affiliates. Financial Planning FORVIS Wealth Advisors provides tailored financial planning to our clients. This process begins with getting to know you, understanding your financial situation, and learning what is important to you. Ultimately, your financial plan is guided by our discussions with you and the data provided by you to develop a framework for your financial decision-making. Our goal is to work with you to create a plan that helps you achieve what is important to you by understanding your short- and long-term goals and dreams. Our planning encompasses some or all of the following: estate planning collaboration, retirement planning, education planning, insurance planning/risk management, and investment management. We will prepare an asset allocation strategy that incorporates your goals and objectives, return expectations, risk tolerance, tax considerations, liquidity needs, and time horizons. Financial plans are offered as a broad overview or a limited focus, depending on your needs. You may choose to decline planning services altogether. Planning is generally offered as part of your Wealth Management Agreement for clients who meet fee minimums, but if you do not meet our fee minimum or have other special circumstances, we may provide planning services under a separate financial planning agreement for a separate fee. See the Financial Planning Fees section below for more details. Accurate Information. We rely on the accuracy and completeness of the information you provide. We do not independently verify information received from you or other professionals. Inaccurate or incomplete information could result in a plan that is unsuitable for you. Implementing your Financial Plan. You are under no obligation to act on any recommendation provided to you. Referral Compensation. Our recommendations may include advice that you hire another service provider, such as an attorney or CPA to assist you. We do not receive compensation for referring you to an outside service provider. If we refer you to our accounting firm parent or another affiliated entity to provide services to you for a fee, additional revenue for FORVIS would be generated that could indirectly benefit us. In some cases, we may refer you to FORVIS Agency, LLC (“FORVIS Agency”), our affiliated insurance agency for life insurance, long term care insurance, disability insurance, and other insurance products. FORVIS Agency charges commissions for the sales of insurance products. As appropriate, we may make uncompensated client referrals to FORVIS Capital Advisors, LLC (“FORVIS Capital Advisors”), a limited purpose broker-dealer. Investment Management Our typical investment management services consist of managing your investment portfolio on a discretionary basis, which means we determine the securities to buy or sell without obtaining your prior consent. We manage your portfolio using an asset allocation model that is designed to help you meet your goals and objectives, taking into account your risk preference and tax considerations. Our Investment Committee evaluates and approves the specific investments that are employed in client portfolios. Our portfolio managers select a mix of approved investments including mutual funds, exchange-traded funds (“ETFs”), bonds, stocks, and alternative investments. We will consider other investments as requested. We may not implement requested investments if we believe they are inconsistent with the stated risk tolerance or our investment philosophy. For most clients, we select an investment portfolio consisting in part or in whole, of mutual funds and ETFs. Typically, we construct a portfolio of no-load or load-waived mutual funds and your assets will be allocated among those mutual funds while taking into consideration your goals and objectives and the management style of the funds. We also manage non-discretionary accounts, meaning client consent must be obtained prior to each transaction. Non-discretionary clients must be willing to accept that we cannot effect any account transactions without obtaining prior approval and delays may occur because of the time it takes to obtain your approval. During exigent circumstances, FORVIS Wealth Advisors will be unable to execute transactions until you provide approval. Risk Assessment. We will work with you to develop an Investment Policy Statement (“IPS”) that takes into account your risk profile, investing time horizon, comfort level with market volatility, and targeted rate of return. Investment of Assets. Assets will be invested according to your IPS. You can impose reasonable restrictions on your account(s), e.g., no tobacco stocks. All such restrictions shall be documented in the IPS. We reserve the right to refuse to open an account if we believe the restrictions would limit our ability to manage the account effectively and prudently. The imposition of portfolio restrictions can affect performance of your portfolio(s). Previously held assets not consistent with your IPS, will be sold from your portfolio if determined to be in your best interest after consideration of tax implications and other costs. Portfolio Monitoring. We monitor your asset allocation and periodically rebalance to remain in line with the IPS. It is your responsibility to promptly notify FORVIS Wealth Advisors if there are changes in your financial situation or objectives. Third Party Money Managers. If suitable, FORVIS Wealth Advisors may recommend third-party money managers. Depending on the arrangement with the specific third-party money manager, you may either engage directly with the money manager or FORVIS Wealth Advisors may allocate assets to the money manager pursuant to a sub- advisory agreement between FORVIS Wealth Advisors and the money manager. These arrangements allow you to obtain specialized portfolio management services that typically require higher minimum account sizes. The money managers will have discretion to determine the securities they buy and sell consistent with the stated portfolio objective, subject to reasonable restrictions imposed by the client. You should carefully review disclosure documents of each money manager for important and specific program details, including pricing. Independent money managers provide investment management services for an additional fee separate and apart from the fees charged by FORVIS Wealth Advisors. The disclosure document(s) of any engaged money manager can be provided upon request. Wealth Accumulation FORVIS Private Client services include a dedicated team focused on the needs of clients in the wealth accumulation phase. Clients who are well suited for this program typically have $250,000 to $1,000,000 in investable assets. These clients receive the benefits of having access to FORVIS Wealth Advisors but on a reduced scale. Typically, Wealth Accumulation clients will have one meeting per year with their advisor. Advisory fees are described below under Item 5: Fees and Compensation. In general, clients in this group will have discretionary portfolios. Investment restrictions will not be allowed in the portfolio. Due to the size and nature of the account size, the portfolio structure will be tailored as appropriate and may not contain all investment types. Financial planning will consist of cash flow planning and generally will not include a more comprehensive review that could include review of insurance, estate plans, or taxes. Some Wealth Accumulation clients use Schwab’s Institutional Intelligent Portfolios® platform (“IIP”) as an automated investment program. Through IIP, clients are invested in a portfolio of exchange-traded funds or mutual funds and a cash allocation. FORVIS Wealth Advisors is not affiliated with Schwab or IIP. Clients do not pay brokerage commissions or other fees to Schwab through IIP. Additional information is available to clients participating in this program, upon request. New clients no longer have the option to participate in IIP. Institutional Investment Consulting FORVIS Wealth Advisors provides investment consulting services to institutional clients nationwide. We also work on selective one-time investment consulting projects. Our institutional clients include foundations, endowments, nonprofit organizations, for-profit entities, governmental agencies, and ERISA plans (including defined-benefit, 401(k), 403(b), and 457(b)), profit-sharing plans, colleges, and universities. Services may include but are not limited to: IPS development; asset modeling; manager searches, selection, and monitoring; investment management; portfolio and manager performance analysis and reporting; trustee meetings and fiduciary education; cash management; fee benchmarking; and request for proposal management. Consulting services are limited to those assets specifically identified in an Investment Consulting Agreement. Non-investment Consulting & Implementation Services We provide consulting services regarding non-investment related matters. For example, we can provide strategic wealth management advice in connection with charitable giving and/or estate planning that supplements the tax and legal services provided by your other service providers. Neither FORVIS Wealth Advisors nor any of its representatives provide legal or accounting services. However, our parent, FORVIS, is an accounting and professional services firm. See Item 10 for information on affiliates. To the extent requested, we will recommend the services of other professionals for certain non-investment implementation purposes. You retain discretion over implementation decisions and can accept or reject any recommendation from us. If any dispute arises with a recommended professional, you agree to seek recourse exclusively from and against the engaged professional. Retirement Plan Consulting

Retirement Plan Consulting (“RPC”) is a division of FORVIS Wealth Advisors which provides discretionary investment management and non-discretionary investment consulting services to qualified and nonqualified retirement plans. We help businesses with establishing and maintaining their retirement plans. Typically, we are engaged by a retirement plan sponsor to be an advisor of the plan; to provide assistance with plan sponsor’s selection and monitoring of the investment options available within plan; and to provide enrollment assistance and investment education to plan participants. Depending on type of services, we may be an ERISA fiduciary. Recordkeepers. Retirement plan recordkeepers generally handle the administration of the plan, including maintenance of records pertaining to plan participants. Recordkeepers vary in the type and quality of services they provide to plans. FORVIS Wealth Advisors is limited in its ability to work with every recordkeeper and may make recommendations to plans for appropriate recordkeepers. CEFEX Certification. As of 2023, RPC has been certified by the Center for Fiduciary Excellence (“CEFEX”), an independent certification organization that conducts assessments of the fiduciary practices of investment advisors and other professionals. The assessment methodology consists of reviewing a sample of various written records, a background check, investment due diligence review and the review of arrangements with custodians, brokers, and other service providers. CEFEX evaluates whether a candidate is in conformity with the provisions of the CEFEX Prudent Practices Handbook. CEFEX charges FORVIS Wealth Advisors a fee for its assessment. CEFEX certification does not imply a level of investment performance or specific expertise. 3(21) Services. Once the plan’s objectives have been determined, we will recommend an appropriate investment strategy to the plan’s trustees and/or fiduciary committee. Our investment committee conducts research to determine suitable investment vehicles in each appropriate asset class. 3(21) services can include helping design and draft an IPS for the plan and recommending investment options for the plan that are consistent with the IPS. We recommend plan investment options that meet the following standards:
• Competitive performance relative to a style-specific benchmark over various time periods.
• Risk and risk-adjusted return measures should be established and be within a reasonable range relative to an appropriate, style-specific benchmark and peer group.
• Demonstrated adherence to the stated investment objective.
• Competitive fees compared to similar investments. We provide regular performance reporting to the plan sponsor or investment committee and monitor investment options on an ongoing basis. We review the plan’s investment option selections and determine if the investment continues to meet the above criteria. We recommend changes to investment options when, in our view, the investment option no longer meets the above-stated criteria, or we believe that there are superior alternatives. The plan sponsor or investment committee is generally responsible for monitoring all costs associated with the management of the plan; however, we assist them by reviewing plan costs, including:
• Expense ratios of each mutual fund against the appropriate peer group.
• Administrative fees and costs to administer the plan, including recordkeeping, custody, and trust services.
• Identification and accounting of parties receiving soft dollars and/or Rule 12b-1 fees generated by the plan. We can assist in the review and evaluation of recordkeepers, custodians, and other third-party vendors. We periodically meet with plan participants to provide limited education and enrollment assistance. Individualized investment advice is not provided to plan participants except by a separate engagement. 3(38) Retirement Plan Investment Management. In addition to the 3(21) services described above, we offer 3(38) services. This service allows us to determine which fund options to offer without obtaining consent from the client. Portfolios are designed and managed using a mix of securities, that typically include low cost, no load mutual funds or ETFs. We will follow the investment parameters set forth in the IPS. FORVIS Wealth Advisors provides non-investment related services referred to as third-party administrator (TPA) services. These services may include retirement plan design, regulatory filings, and other compliance related services. TPA services are offered pursuant to a separate agreement and separate and additional fees may be incurred. Miscellaneous Disclosures Retirement Rollovers – Potential for Conflict of Interest. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and can engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (IRA), or (iv) cash out the account value (which could result in adverse tax consequences depending on the client’s age). If we recommend that you roll your retirement plan assets into an account to be managed by us, such a recommendation creates a conflict of interest if we will earn an advisory fee on the rolled-over assets. You are not under any obligation to roll over retirement plan assets to an account managed by FORVIS Wealth Advisors. ERISA Fiduciary. When we provide investment advice to you regarding your retirement plan or individual retirement account, we are a fiduciary 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 are compensated for our services 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. Portfolio Activity. We have a fiduciary duty to provide services consistent with your best interest. We review your portfolio on a periodic basis to determine if changes are necessary based on various factors including, but not limited to, investment performance, economic conditions, mutual fund manager tenure, style drift, and/or a change in the client’s investment objective. There can be extended periods of time when we determine that changes to your portfolio are neither necessary nor prudent. As indicated below, there can be no assurance that our investment decisions will be profitable or equal any specific performance level(s). Client Obligations. We rely on the information provided to us from you or others designated by you. We do not independently verify the accuracy of such information. It is your responsibility to promptly notify us if there is ever any change in your financial situation or investment objectives. Investment Risk. Different types of investments involve varying degrees of risk, and you should not assume that future performance of any specific investment or investment strategy that we recommend will be profitable or achieve any specific performance level(s). Communications via Text, Email and LinkedIn Messages. We understand clients have different communication preferences. We typically communicate with clients in person, via phone, online meetings, letters, emails, texts, and LinkedIn messages. All written and electronic communications, are subject to compliance monitoring, review, and possible production to the SEC. Please call your advisor for any withdrawal or trading requests and do not submit these requests via electronic media. Communications regarding trades are informational only. Refer to your custodian’s statements and confirmations for the official record of your trades. Identity Verification. Sometimes it is necessary to take steps to verify personal information that you or your agents provide to us. For example, if you send us email instructions to take an action with your account, in order to protect you, we will call you to verify that those instructions are genuine. If we cannot reach you at the telephone number you have provided to us, the processing of your instructions will be delayed until we can perform our verification procedures. We cannot be responsible for any claims arising from delays in processing of transactions due to our verification processes. Portal Storage. Our clients have access to an online portal that is available through our vendors. This provides an opportunity to exchange documents. Use of the portal is voluntary. When you upload a document, you are giving your advisor permission to view that document without seeking further consent from you. You should understand that the portal should not be viewed as your primary document storage system. We believe that our vendors have adequate security to protect your records. FORVIS Wealth Advisors will not be responsible for any losses as a result of any security breach. You should understand that anyone who obtains your portal password can access your documents. We encourage you to use a hard to guess password and change your password frequently. Never disclose your password to anyone. Due to independence concerns, some clients of FORVIS may not have access to the portal feature. 529 Plans, Annuity and 401(k) Plan Investments. As part of the overall wealth management and financial planning services we provide under our Wealth Management Agreement with you, we can give you general advice regarding various assets that we do not manage directly.
• 529 Plans – We can assist clients in setting up 529 college savings plans. Those plans typically consist of a menu of mutual fund investments selected by the plan itself. Plans vary depending on the jurisdiction. We are able to provide general advice on whether a 529 plan makes sense for you and will incorporate these assets into your financial plan. We can advise on allocation options from the 529 plan menu of available funds. However, we do not manage those assets for you directly.
• Annuities – We offer advice on various annuity options that may be appropriate for you. We have developed relationships with specific annuity providers. With these providers, we can create and implement an investment strategy that includes the selection and rebalancing of funds in the annuity. We actively monitor the investment options in the annuities and typically have the ability to buy, sell or rebalance the investment options. Client investment in such annuities are considered assets under management for billing purposes and are under compliance and operational supervision. Certain annuity providers grant us less ability to participate in the management of those assets. For example, a client may have a pre-existing annuity they wish to keep. In these cases, we can provide, without charge, general guidance on fund allocation options in the annuity and evaluate how the annuity fits into your overall financial plan. We generally will not be in a position to manage the investment options of those annuities.
• 401(k) plans – Many clients participate in employer-sponsored retirement plans in which the client has the ability to choose from a menu of pre-selected mutual funds. We can provide advice without additional charge on overall fund allocation in your 401(k) plan and how the 401(k) plan fits into your overall financial plan, however, we are not in a position to manage your 401(k) plan directly. Some 401(k) plans have the ability for participants to select individual securities directly. Similarly, we typically do not manage those assets directly but we can provide allocation advice and take those assets into account in your financial plan. Clients who have the ability to utilize the self-directed brokerage option in their 401(k) plan may choose to engage with FORVIS Wealth Advisors for the management of those assets. Clients with large and complex retirement assets may enter into a customized consulting agreement with FORVIS Wealth Advisors to provide more tailored advice on the management of your 401(k) plan. Disclosure Statement. The ADV Part 2 and Form CRS are provided to each client prior to, or at the time of execution of an advisory agreement with FORVIS Wealth Advisors. An updated ADV Part 2 is provided to each client annually.