A. Firm Information Henrickson Nauta Wealth Advisors, Inc. (“HNWA” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a corporation under the laws of the State of Michigan. HNWA was founded in November 2000 as Henrickson Financial Group, Inc. and in January 2010 changed its name to Henrickson Nauta Wealth Advisors, Inc. HNWA is owned and operated by Douglas Henrickson, President and Jeffery Nauta, Chief Compliance Officer. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by HNWA. B. Advisory Services Offered HNWA offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable organizations, defined contribution plans and corporations or other businesses (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. HNWA’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services HNWA will typically provide a variety of wealth management services to high net worth individuals and families, pursuant to a written wealth management agreement. Services are offered in several areas depending on Client goals, objectives and resources. Generally, the Advisor designs a financial plan for the overall wealth management of the Client and then provides investment management services to oversee the implementation of that financial plan. Please see below for more details on financial planning and investment management services. Investment Management Services HNWA provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and consulting services. HNWA works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio allocation. HNWA will then construct a portfolio, consisting of mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, bonds, certificates of deposit, municipal securities, options, United States government bonds and other securities to meet the needs of its Clients. The Advisor may retain certain legacy investments based on portfolio fit and/or tax considerations. HNWA investment approach is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. HNWA will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to the acceptance by the Advisor. HNWA evaluates and selects assets for inclusion in Client portfolios only after applying their internal due diligence process. HNWA may recommend, on occasion, redistributing investment allocations to diversify the portfolio. HNWA may recommend specific positions to increase sector or asset class weightings. HNWA may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Prior to rendering investment advisory services, HNWA will ascertain, in conjunction with the Client, the Client’s financial situation, risk tolerance, and investment objective[s]. HNWA will provide investment advisory services and portfolio management services and will not provide securities custodial or other administrative services. Under certain circumstances, HNWA may accept or maintain custody of Client’s funds or securities. Please see Item 15 – Custody for more information. Page 5 Henrickson Nauta Wealth Advisors Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Private Fund Management Services The Advisor serves as the general partner and as the investment manager to a pooled investment vehicle (herein a “Fund”). The service is detailed in the offering document of the Fund, which include as applicable, operating agreements, private placement memorandum and/or term sheets, subscription agreements, separate disclosure documents, and all amendments thereto (“Offering Document”). The Advisor manages the Fund based on the investment objectives, policies and guidelines as set forth in the respective Offering Document and not in accordance with the individual needs or objectives

of any particular investor therein. Each prospective investor interested in investing in a Fund is required to complete a subscription agreement in which the prospective investor attests as to whether or not such prospective investor meets the qualifications to invest in the Fund and further acknowledges and accepts the various risk factors associated with such an investment. In general, investors in the Funds are not permitted to impose restrictions or limitations. The Advisor will recommend that certain Clients invest in the Fund. The recommendation to invest in the Fund poses a conflict between the interests of the Advisor and the interests of the Client, as the Advisor is incentivized to increase the amount of assets in the Funds, not already managed by the Advisor, in order to increase the revenue generated to the Advisor. This conflict is mitigated as Clients will only pay the asset-based fee as described above. The Advisor will not receive additional fees for its management of the Fund. Clients of the Advisor are under no obligation to invest in the Fund. For more detailed information on investment objectives, policies and guidelines, please refer to the respective Fund’s Offering Document. Financial Planning and Consulting Services HNWA will typically provide a variety of financial planning services to Clients as part of its wealth management services or as a separate engagement, pursuant to a written agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including, but not limited to investment planning, retirement planning, personal savings, education savings, insurance needs and other areas of a Client’s financial situation. A financial plan developed for or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. HNWA may also refer Clients to an accountant, attorney or other specialist, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations poses a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it Page 6 Henrickson Nauta Wealth Advisors would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any. recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Defined Contribution Plans HNWA will provide investment management and financial planning services to the sponsors and participants of “qualified retirement plans” as defined under the Employee Retirement Income Security Act of 1974 (“ERISA”), herein referred to as the “Plans”. HNWA is typically engaged to provide advice and guidance on the structure, investments and/or the ongoing investment management of a Plan. Based on this evaluation, HNWA will make objective recommendations to the Plan Sponsor. As part of its process, HNWA will provide an investment policy statement, which shall outline the goals for investment management and monitoring Plan investments. Other Services In conjunction with financial planning and consulting, the Advisor may assist individuals, families, and corporations and with various services for a fee, pursuant to a written agreement. HNWA offers corporations business succession planning, assistance with executive compensation and other services. In addition, the Advisor offers individuals and families Family Offices Services, which include consolidated performance reporting on multiple accounts, bill pay assistance, family education, and assistance with governance issues including facilitating family meetings. C. Client Account Management Prior to engaging HNWA to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Policy Statement – HNWA, in connection with the Client, will develop a strategy that seeks to achieve the Client’s investment goals and objectives.
• Asset Allocation – HNWA will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client.
• Portfolio Construction – HNWA will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – HNWA will provide investment management and ongoing oversight of the Client’s portfolio and overall account. D. Wrap Fee Programs HNWA does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by HNWA. E. Assets Under Management As of June 30, 2023, HNWA manages $528,384,377 in Client assets, $506,605,989 of which are managed on a discretionary basis and $21,778,388 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor.