Firm Description Meritas Wealth Management, LLC, (“Meritas”) was founded in December 2008. Gregg E. Clarke, CFP® and Kenneth C. “Kacy” Gott, CFP® are the principal owners of the firm. Additionally, Tiffani R. Clarke holds a minority ownership interest. Fiduciary Duty Registered investment advisers are considered fiduciaries under federal law. Our fiduciary duty carries with it an obligation to act in the best interest of our clients pursuant to a relationship of trust and confidence. It encompasses a duty of care and a duty of loyalty. Duty of Care The duty of care includes, among other things: 1. the duty to provide advice that is in the best interest of the client; 2. the duty to seek best execution of a client’s transactions where the adviser has the responsibility to select broker-dealers to execute client trades; and 3. the duty to provide advice and monitoring over the course of the relationship. The duty to provide advice suitable to each client based on a reasonable understanding of the client’s objectives is a critical component of the duty of care. Providing suitable advice includes making a reasonable inquiry into the client’s financial situation, investment experience, and financial goals and then updating this information as necessary throughout the course of the relationship to reflect the client’s changing objectives over time and adjusting the advice we provide to reflect any changed circumstances. When Meritas has the responsibility to select broker-dealers to execute client trades in discretionary accounts, we seek to trade such that the client’s total cost or proceeds in each transaction are the most favorable under the circumstances. In doing so, we consider the full range and quality of a broker’s services and so the determinative factor is not necessarily the lowest possible commission cost but whether the transaction represents the best qualitative execution. Moreover, we periodically and systematically evaluate the execution we receive on behalf of our clients. Our duty of care includes an obligation to provide advice and monitoring at a frequency that is in the best interest of the client, taking into account the scope of the agreed relationship. This scope is indicated by the duration and nature of the services as outlined in each client’s advisory arrangement and extends to all personalized advice provided to clients. Duty of Loyalty Meritas adheres to a duty of loyalty where we seek to serve the best interests of our clients and never subordinate the interests of our clients to our own. Simply put, Meritas cannot place its own interests ahead of the interests of our clients. In observance of this duty, we must make full and fair disclosure to clients of all material facts relating to the advisory relationship. Further, we also seek to eliminate or at least expose through full and fair disclosure all conflicts Meritas Wealth Management Brochure Revised April 26, 2024 7 of interest which might incline Meritas, consciously or unconsciously, to render advice that is not disinterested. We believe that in order for disclosure to be full and fair, it should be sufficiently specific so that each client is able to understand the material fact or conflict of interest and make an informed decision whether to provide consent. Consequently, we provide this ADV 2A brochure to all prospective clients at or before entering into a contract so that they can use the information within to decide whether or not to enter into an advisory relationship. Types of Advisory Services Asset Management Meritas creates an Investment Policy Statement (“IPS”) for each client. The IPS includes a ‘target’ model portfolio designed to reach the financial goals of the client within the acceptable risk tolerance and investment time frame established by the client. The creation of the IPS will be based upon the client’s stated investment objectives, risk tolerance, and financial circumstances. A model portfolio includes the percentage of each asset class allocation within the account,

and the individual asset selection representing each asset class. To implement the client’s IPS, the asset allocation program will focus on investing client assets primarily in mutual funds, including index funds. Investments may also include exchange-traded funds (ETFs), and some individual equities and/or fixed-income positions, all subject to any client-imposed investment restrictions. The percentage allocation in each asset class will be maintained through rebalancing the account when any asset classes become out of balance with the ‘target’ model portfolio by approximately 20 percent. This 20 percent rebalance ‘trigger’ is not automatic, however, and is subject to the discretion of Meritas based on the following circumstances: current market forces, client cash flow needs, client-directed positions/restrictions, and client tax situation. At no time will Meritas change the allocation percentage of asset classes in a client model portfolio without prior approval of the client. Meritas does retain the discretion, however, to change the individual asset selections when Meritas feels that an alternative asset would be a better choice for the client. This decision can be based on asset administration fees, performance, tax efficiency, or change in asset management personnel or style, or other circumstances. Financial Planning Meritas provides advice in the form of a Financial Plan. Generally, clients purchase financial planning services in tandem with our asset management services. Clients receive a written financial plan providing the client with detailed analyses and recommendations designed in an effort to help them achieve their stated financial goals and objectives. In general, we seek to address all or part of the following areas in the financial plan:  Goals and objectives  Net worth  Cash flow planning  Tax planning review  College funding Meritas Wealth Management Brochure Revised April 26, 2024 8  Risk management and insurance planning  Retirement planning  Investment planning  Estate planning Meritas gathers information through in-depth personal interviews. Information gathered generally includes a client’s current financial status, future life goals, and attitudes towards risk. Related documents supplied by the client, including a questionnaire completed by the client, are carefully reviewed by Meritas, and a written report is prepared. Should a client choose to implement the recommendations contained in the plan, Meritas suggests the client work closely with his/her attorney, accountant, insurance agent, mortgage broker, and/or investment advisor. Implementation of financial plan recommendations is entirely at the client’s discretion. Clients may choose but are not required to have Meritas assist with financial plan implementation, including investment management services, for which Meritas receives additional compensation, as described below in Item 5 – Fees and Compensation. Consulting Additionally, Meritas provides advice on non-securities matters. This advice may include analysis of the insurance needs of the client, analysis of real estate currently owned or to be acquired by the client, and analysis of feasibility regarding the sale or the purchase of business concerns and other tangible assets. Tailored Relationships In general, advisory services are tailored to meet the needs of individual clients. The goals and objectives for each client are documented in our client relationship management system. Investment policy statements are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements cannot be assigned without client consent. Wrap Fee Programs Meritas does not manage accounts as part of a wrap fee or bundled program. Assets Under Management Meritas manages client assets in discretionary accounts on a continuous and regular basis. As of January 31, 2024, the total amount of assets under our management was $483,839,170.