Sagent Wealth Management is an SEC-registered investment adviser with its principal place of business located in Laguna Beach, California. Sagent Wealth Management began conducting business in 2008. Listed below are the firm's principal owners; Sagent Capital, LLC - 100% Sagent Wealth Management offers the following advisory services to our clients as a part of our overall Wealth Management Services. These Wealth Management Services include the preparation of a comprehensive financial plan based on client’s individual needs, goals and objectives as well as Individual Portfolio Management, Model Portfolio Management, Independent Third Party Manager Advisory Services and Financial Planning as referenced below. Individual Portfolio Management Our firm provides Individual Portfolio Management services to clients whereby we will construct a portfolio of investments that is unique to each client. These Individual Portfolios can be managed on either a discretionary or non-discretionary basis. The process for constructing these Individual Portfolio begins with a personal client interview and a review of their available financial documentation. We then use this information to determine the client’s Investment Experience, Investment Time Horizon, Income Needs, Financial Objectives, Risk Attitude, Household Income, Assets, Liabilities, Age and Family Composition. During this process, clients may impose reasonable restrictions on the portfolio including limitations on certain securities, types of securities, industry sectors, and asset allocation. Based on this information, we recommend, create and manage Individual Portfolios that are suitable for each client. Our Individual Portfolios are not limited to any specific product offered by a broker-dealer, insurance company or other vendor and will generally include, but are not necessarily limited to, one or more of the following securities:  Exchange-listed stocks and funds  Corporate debt securities 6 | P a g e  Certificates of deposit  Municipal securities  Mutual funds  United States governmental securities  Options contracts on securities  Alternative Investments, including but not limited to: managed futures funds, hedge funds, and private equity funds.  Life Insurance and Annuity Sub Accounts  Investment alternatives offered in Defined Benefit Plans, Deferred Compensation Plans, Health Savings accounts and other plan participant accounts. Once a client's Individual Portfolio has been established, we review the portfolio periodically, and, when necessary, make changes to the portfolio based on the client's needs and circumstances as well as changes in economic conditions. We will also:  at least annually, contact each participating client to determine whether there have been any changes that warrant a modification to the portfolio,  be reasonably available to consult with the client; and  maintain client suitability information in each client's file. Model Portfolio Management Our firm also provides Model Portfolio Management services to clients. Model portfolios are generally invested in similar securities but have varying asset allocations to provide a range of portfolios for clients to choose from, each with differing risk characteristics. These Model Portfolios are only managed on a discretionary basis. The process for selecting a suitable Model Portfolio for a client begins with a personal client interview and a review of their available financial documentation. We then use this information to determine the client’s Investment Experience, Investment Time Horizon, Income Needs, Financial Objectives, Risk Attitude, Household Income, Assets, Liabilities, Age and Family Composition. Clients are limited in their ability to place restrictions on the Model Portfolios. Specifically, they 7 | P a g e are precluded from placing limitations on certain securities, types of securities, industry sectors and asset allocation. Instead, clients choose from the available Model Portfolios, each with different risk characteristics and we periodically adjust the investments and asset allocation of the portfolio, based on current economic conditions in an effort to maintain its specific risk characteristics. Sagent Total Return Portfolios ($50,000 account minimum): a series of portfolios, typically with similar securities but with varying asset allocations, designed for a range of clients, based on the individual level of risk they are willing to accept. The portfolios have as their primary goal; to minimize losses in weak markets, maximize returns in strong markets and maximize returns for the client’s stated risk tolerance. The portfolios are usually comprised of open-end

mutual funds and exchange traded funds but can also include other securities, including but not limited to: Corporate debt securities Certificates of deposit Municipal securities United States governmental securities Options contracts on securities Alternative Investments, including but not limited to: managed futures funds, hedge funds, and private equity funds Sagent Total Return Portfolios-Small (No Account Minimum): a series of portfolios with identical risk and return goals as that of the Sagent Total Return Portfolios, but constructed with a smaller number of securities in order to minimize transactional costs (costs associated with buying and selling. The portfolios are usually comprised of open-end mutual funds and exchange traded funds but can also invest in other securities including but not limited to: Corporate debt securities Certificates of deposit Municipal securities United States governmental securities Options contracts on securities 8 | P a g e Options contracts on commodities Alternative Investments, including but not limited to: managed futures funds, hedge funds, and private equity funds Once a client's Model Portfolio has been selected, we periodically review client's needs and circumstances to determine if it is still suitable. We will also:  at least annually, contact each participating client to determine whether there have been any changes that warrant a change to a different Model Portfolio or Individual Portfolio,  be reasonably available to consult with the client; and  maintain client suitability information in each client's file. Independent Third Party Manager Advisory Services Our firm provides Independent Third Party Manager advisory services whereby we will recommend an Independent Third Party Manager who will buy and sell securities in a client’s individual brokerage account, based on specific criteria that are agreed upon between the client and the Independent Third Party Manager. The Independent Third Party Manger will manage these client brokerage accounts solely on a discretionary basis. The process for recommending a suitable Independent Third Party Manager for a client begins with a personal client interview and a review of their available financial documentation. We then use this information to determine the client’s Investment Experience, Investment Time Horizon, Income Needs, Financial Objectives, Risk Attitude, Household Income, Assets, Liabilities, Age and Family Composition. Based on this information, we recommend an Independent Third Party Manager that is suitable for each client. The Independent Third Party Manger can invest in a variety of securities including, but not necessarily limited to, one or more of the following securities:  Exchange-listed stocks and funds  Corporate debt securities  Certificates of deposit  Municipal securities 9 | P a g e  Mutual funds  United States governmental securities  Options contracts on securities  Alternative Investments, including but not limited to: managed futures funds, hedge funds, and private equity funds. Once an Independent Third Party Manager has been recommended, we will review the Independent Third Party Manager periodically, and, when necessary, may change the Independent Third Party Manager or move the funds to an Individual Portfolio or Model Portfolio. We will also:  at least annually, contact each participating client to determine whether there have been any changes that warrant a change,  be reasonably available to consult with the client; and  maintain client suitability information in each client's file. Financial Planning (Financial Checkups) Sagent Wealth Management provides Financial Planning (Financial Checkups) services to prospects with investable assets of $250,000 or more. Financial Checkups are provided to existing clients upon request as part of the advisory services offered by Sagent Wealth Management as more fully described in the terms of clients’ Wealth Management Agreements. Components of Financial Checkups may include some or all of the following;
• Current net worth statement
• Asset allocation evaluation
• Income evaluation
• Expense evaluation
• Cash flow analysis
• Education funding analysis
• Insurance needs assessment 10 | P a g e Assets Under Management As of February 2, 2023 Sagent Wealth Management managed the following assets; Accounts Amount Non-Discretionary 18 $ 4,062,180 Discretionary 223 $86.051,269 Total 251 $90,113,449 11 | P a g e