A. DESCRIPTION OF THE ADVISORY FIRM. Baron Wealth Management, LLC (“Baron Wealth Management”, “BWM”, or “Advisor”) has been in business since March 2010, when the Advisor was initially registered with the United States Securities and Exchange Commission (“SEC”) and notice filed in Michigan. Baron Wealth Management is headquartered in Troy, Michigan. BWM is 100% owned by the Beth A. Zilka Revocable Living Trust. Beth Zilka is the Advisor’s Chief Compliance Officer. B. TYPES OF ADVISORY SERVICES Baron Wealth Management offers professional fee-based Wealth Management and Consultation Services and is a fiduciary to each of its clients. The Advisor can provide customized services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, other investment professionals, and business entities. The Advisor may also offer occasional general education seminars or workshops and access to independent managers. The term “fee-based” means that Baron Wealth Management is an independent investment advisor and is compensated only in the form of advisory fees paid by investors. Baron Wealth Management is not a broker/dealer or custodial firm. Client accounts are held by an unaffiliated custodial firm of clients’ choosing. “Investment Advisor Representatives” are those persons who are appropriately registered and authorized by the Advisor to deliver financial and investment advisory services. The Investment Advisor Representatives of Baron Wealth Management are not registered representatives of a broker/dealer and do not accept commissions for securities recommendations. Baron Wealth Management is not an insurance agency. Beth Zilka is separately engaged as an independently licensed insurance agent. Ms. Zilka may receive normal commissions paid by insurance companies when clients purchase insurance. Clients are welcome but are never obligated to utilize any insurance product or company that may be recommended. Baron Wealth Management is only compensated for advisory services through an annual retainer arrangement or via hourly and project fees, depending upon the scope of the engagement. Baron Wealth Management offers a complimentary general consultation to discuss services available, to give a prospective client time to review services desired, and to determine the possibility of a potential Client-Advisor relationship. Services begin only after the Client and Advisor formalize the relationship with a properly executed Client Agreement. After the formal engagement and depending upon the scope of the engagement, the Advisor and client will share in a data gathering and discovery process in an effort to determine the client’s stated needs, goals, intentions, time horizons, risk tolerance and investment objectives, based upon information provided by the client and the nature of services requested. The client and Advisor may complete a risk assessment, investment policy statement, or similar document, depending upon the nature and scope of services to be provided. Baron Wealth Management’s categories of services are: Wealth Management Services are comprehensive in nature and provide for financial planning services in addition to investment management services. Wealth Management Services involve ongoing and continuous advice and services. Consultation Services are hourly or project-based services and generally terminate upon the delivery of services. General Educational Workshops and Seminars are occasionally designed for companies and individuals and do not provide for individualized advice or service. In conjunction with its Wealth Management Services, Baron Wealth Management can utilize the Independent Manager platforms available via Charles Schwab & Co., Inc., and Fidelity Brokerage Services, which provide access to institutional industry leading institutional money managers at low minimums and with streamlined account administration. Please refer to Item 4.B(4) of this Brochure. 1. Wealth Management Services involve ongoing and continuous financial planning and portfolio management services. Services can be comprehensive in nature and encompass financial planning and asset management services via an annual retainer arrangement rather than a billing arrangement based on a percentage of assets under management. Baron Wealth Management focuses on providing individualized services that are tailored to meet the stated needs and objectives of the client. In the delivery of initial and ongoing services and based upon the client’s level of participation, the Advisor will normally include a comprehensive review of the overall aspects of a client’s current financial situation and consider both long and short-term objectives and goals, or as directed by the client. After an analysis and data-gathering process and depending upon the nature of services desired, the Advisor may engage in the following:  A review of an existing financial plan (if a plan is currently in place)  Update an existing financial plan (if applicable)  Preparation of a new financial plan (if applicable)  Existing portfolio review and analysis  Preparation of asset allocation recommendations  Preparation of a customized investment policy with the client’s participation  Recommendation of specific investments  Implementation of an investment plan  Ongoing Wealth Management and Consultations in connection with the client’s financial plan  Ongoing management of the client’s investment portfolio  Other services that may be requested and Baron Wealth Management agrees to provide, as identified in the Advisor’s client agreement The Advisor’s Wealth Management Services are provided to clients invested in stocks, mutual funds, exchange traded funds and other assets, as outlined in the designed investment strategies. Services and investment recommendations in connection to assets invested in corporate retirement plans are limited to those offered within the plan and via the plan’s contracted service providers. Baron Wealth Management may advise on or recommend investments in private placement securities when consistent with accredited investors’ (as defined under Rule 501 of the Securities Act of 1933, as amended) investment goals and objectives. In such cases, the Advisor receives no additional compensation other than its normal investment management fees. The ongoing Wealth Management Services provided are individualized and therefore based upon the client’s stated unique individual needs. Clients engaging Wealth Management Services must play an active role. The Advisor requires participation in the financial and investment review, the development of a financial plan, the development of an investment policy or similar document, the development of the investment plan, and the ongoing advice and recommendations. During the course of the engagement, clients may call the office at any time during business hours to discuss their financial plan, their portfolio or to ask questions, but the Advisor recommends that clients initiate a meeting no less than annually. However, clients are obligated to immediately inform the Advisor of any changes in their financial situation to provide the Advisor with the opportunity to review the portfolio to ensure it is still structured to help meet the client’s stated needs and objectives. The Advisor’s ongoing services are also based upon unique individual needs as stated by the client. Once any recommendations have been implemented, Baron Wealth Management provides ongoing review, advice, and recommendations. The underlying portfolio assets will be reviewed internally on a frequent basis (generally quarterly or more often), depending upon the types of investments, market conditions, at the discretion of the Advisor, or as may be specifically requested by the client. Any investments placed with Independent Managers for services will generally be reviewed quarterly if part of the Advisor’s managed portfolio. When financial planning discussions only focus on certain client interests, needs or is otherwise limited, clients must understand that a client’s overall financial situation, needs, liabilities, and objectives may not be considered as a result of time and/or service restraints placed on the Advisor’s services. Implementation of any financial planning advice or recommendations pertaining to securities or non-securities matters, in whole or in part, is entirely at the client’s discretion via service provider(s) selected by the client. Clients requiring assistance on issues relating to matters outside of financial and investment advisory topics should consult their personal tax Advisor, legal counsel, or other professionals for expert opinions. Clients may make additions to and withdrawals from the account at any time, subject to the Advisor’s right to terminate an account (particularly where the account balance dips significantly). Clients may withdraw account assets on notice to the Advisor, subject to the usual and customary securities settlement procedures. The Advisor generally designs client portfolios with a long-term view (unless otherwise directed by the client) and asset withdrawals may impair the achievement of a client’s investment objectives. Portfolio additions may be in cash, cash equivalents, and securities provided that the Advisor reserves the right to liquidate any transferred securities or decline to accept particular securities into a client’s account. The Advisor may consult with its clients about the options and ramifications of transferring securities when provided pre- notification of the client’s intentions. However, clients are hereby advised that when transferred securities are liquidated, they are subject to transaction fees, fees assessed at the mutual fund level (i.e., contingent deferred sales charge) and/or tax ramifications. 2. Consultation Services. Baron Wealth Management is available on a limited basis to provide Consultation Services on an hourly or project fee basis. The Advisor can tailor services as desired by the client. Consultation Services may be comprehensive in nature or may only focus on certain consultation needs as directed by the client. Advice may be provided on general issues (such as one or more various components of financial planning) relating to such topics as financial management, risk management, asset allocation, investment research, financial issues relating to divorce or marital

issues, general tax issues, retirement planning, educational funding, goal setting, business owner issues; general estate issues; or other needs as identified by the client. Where Consultation Services only focus on certain areas of client interests, needs, or are otherwise limited, clients must understand that a client’s overall financial and investment needs and objectives may not be considered as a result of time and/or service restraints placed on the Advisor’s services. Investment Advisor Representatives may suggest the client work closely with the client’s attorney, accountant, insurance agent, and the client’s custodian. Clients requiring assistance on issues relating to matters outside of investment advisory topics should consult their personal tax advisor, legal counsel, or other professionals for expert opinions. Implementation of any advice or recommendations pertaining to securities and/or non- securities matters (such as insurance), in whole or in part, is entirely at the client’s discretion via the service provider(s) of the client’s choice. The advice provided may include recommendations for updates and reviews and these services can be obtained under a new or amended agreement at the client’s discretion. 3. From time to time, Baron Wealth Management may conduct General Educational Workshops and Seminars for companies and individuals. The content of presentations may include general information relating to wealth management, financial planning, retirement plans, insurance strategies, college funding, estate and retirement preparation and planning topics. Baron Wealth Management provides these services on a complimentary basis. Where services are provided to companies or professional organizations, a fee may apply based upon complexity, materials provided, time and effort and other factors. The fee is based upon the Advisor’s hourly rate (minimum $250/hour) and agreed to at the time of engagement. In each case, the Advisor’s general Educational Workshops and Seminars do not provide individualized advice or services. Attendees are welcome but are never under any obligation to engage Asset Advisors for individualized services. 4. Independent Managers. When deemed appropriate and of interest to the client, Baron Wealth Management may recommend the services of one or more third-party investment managers (“Independent Managers”) that may offer investment programs designed to help clients meet their goals and objectives. Baron Wealth Management does not receive any additional compensation in connection with the services provided by Independent Managers. Baron Wealth Management can utilize the Independent Manager programs available via Charles Schwab & Co., Inc., (“Managed Account Access™”) and Fidelity Brokerage Services (Fidelity Separately Managed Accounts®), which provide access to institutional industry leading institutional money managers at low minimums and with streamlined account administration. These programs enable independent Advisors to tap into popular managers without having to negotiate separate contracts, fees, and minimum account sizes. Services include (respectively) Schwab's or Fidelity’s custody and brokerage services. Baron Wealth Management will determine which Independent Managers may be appropriate, depending upon the client’s circumstances, stated goals and objectives, strategy desired, account size, risk tolerance, and/or other factors. The terms and conditions under which the client shall engage the Independent Manager(s) shall be set forth in a separate agreement with the custodian(s). If the client and Advisor agree in writing, the Advisor shall continue to render advisory services to the client relative to the ongoing monitoring and review of account performance. As previously noted, Baron Wealth Management does not receive any compensation from Independent Managers that may be recommended. Factors that the Advisor shall consider in recommending Independent Manager(s) include the client’s stated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fees charged by the designated Independent Manager(s), together with the fees charged by the wrap fee program sponsor and corresponding designated broker-dealer/custodian of the client’s assets, are exclusive of, and in addition to, the Advisor’s management fee for its services. When recommending the services of Independent Managers, clients receive the Independent Manager’s Form ADV Part 2 Brochure and compensation information. Clients are never under any obligation to engage the services of any investment management firm we may recommend but are welcome to do so under a separate engagement with the unaffiliated firm. The Independent Manager is responsible for portfolio management, portfolio reporting services, best execution review, quarterly reporting, trade error resolution, custodial reconciliations, and implementation of trades within their respective programs. Certain Independent Managers require minimum portfolio conditions as outlined in each Manager’s disclosure materials. In such cases, participation in the program may raise potential conflicts of interest as the Advisor may have an incentive to recommend that clients custody assets with Charles Schwab & Co., Inc. C. CLIENT TAILORED SERVICES AND CLIENT IMPOSED RESTRICTIONS Baron Wealth Management focuses on providing individualized services. The Advisor can tailor services to focus only on certain portfolio components, depending upon the client’s wishes and/or the nature of the engagement. However, where client services or information are limited, clients must understand that comprehensive financial and/or investment needs and objectives may not be fully considered due to the client’s option to receive limited services, the lack of information received, and/or client disclosure. Due to the nature of services, clients may not impose restrictions on investing in certain investment sectors in accordance with their values or beliefs unless otherwise agreed by the Advisor in writing. Clients are welcome to set parameters on the Advisor’s limited discretionary authority in writing as to types of investments and amounts purchased or sold. Retirement Plan Accounts: When providing services in connection with retirement plan investments, the advice and recommendations are limited to the products and service provider(s) available within the plan. Baron Wealth Management attempts to be conscious of tax-related investment considerations. However, the Advisor is not a tax professional. Clients are encouraged to seek the guidance of their tax professional in an effort to understand how their investments (proposed or implemented) will affect their overall tax situation. Retirement Plan Rollovers: Baron Wealth Management is a fiduciary to each of its clients and fiduciary duties apply to investment advice in connection with your retirement plan account or individual retirement account within the meaning of Title I of the Employee Retirement Income Security Act and the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way our firm earns compensation (asset-based fees for managed accounts) creates some conflicts with your interests, Therefore, we must operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. At the time of a rollover recommendation, we will provide you with a written disclosure discussing the reasons the rollover is in your best interests. Also, under this special rule’s provisions, we must: * Meet a professional standard of care when making investment recommendations (give prudent advice). * Never put our financial interests ahead of yours when making recommendations (give loyal advice). * Provide basic information about conflicts of interests and fees while avoiding misleading statements about these topics and investments * Follow policies and procedures designed to ensure that we give advice that is in your best interest. * Charge no more than is reasonable for our services A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may 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, depending upon the client’s age, result in adverse tax consequences). When Baron Wealth Management recommends that a client roll their retirement plan assets from a retirement account into a new or existing account (e.g., rollover IRA) to be managed by the Advisor, it serves as a fiduciary under the Employee Retirement Income Security Act (ERISA) and this recommendation creates a conflict of interest. The conflict of interest exists because Baron Wealth Management will receive an investment management fee if the funds are rolled over. Obviously, the conflict is eliminated if the recommendation is not accepted. Our clients are never under any obligation to rollover retirement plan assets to an account managed by Baron Wealth Management. Our chief compliance officer remains available to address any questions that a client or prospective client may have regarding retirement assets, rollover recommendations, and conflicts of interest. Client directed assets: Certain clients may engage in client-directed transactions (investing on their own) and in such cases, the Advisor will not provide investment suitability and/or due diligence reviews or ongoing management services for these types of investments unless specifically agreed in writing. In the event the Advisor agrees to complete a client-directed transaction (as requested by a client), it will do so only as a value-added service for the client. D. WRAP FEE PROGRAMS Baron Wealth Management is not a wrap fee program manager or sponsor. E. AMOUNTS OF ASSETS UNDER MANAGEMENT Baron Wealth Management’s fiscal year end assets under management as of the close of business on 12/31/23, consisted of $626,541,399 in 617 managed accounts. The managed assets are owned by individuals, high net worth individuals and corporations or other business entities.