A. Firm Information Arcadia Wealth Management, Inc., ("Arcadia" or the “Advisor”) is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”). Walter F. Wisniewski, Jr., CFP® is the President and Senior Wealth Advisor of Arcadia Wealth Management since inception in 2012. Allison M. Vanaski, CFP®, is the CEO, Senior Wealth Advisor, and Chief Compliance Officer of Arcadia. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Arcadia. For information regarding this Disclosure Brochure, please contact Allison M. Vanaski, CFP®, CEO, Senior Wealth Advisor, and Chief Compliance Officer, at (631) 549-5400 or by email at [email protected]. B. Advisory Services Offered Arcadia provides services in three broad categories: financial planning services, investment management/advisory services and retirement plan advisory services to individuals, high net worth individuals, retirement plans, trusts, estates, and corporations (each 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. Our fiduciary commitment is further described in our Code of Ethics. For more information regarding our Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services Arcadia provides wealth management services for its Clients. These services generally include a broad range of comprehensive financial planning in connection with discretionary investment management of Client portfolios. These services are described below. Investment Management Services- Arcadia provides specialized investment management services, investing the assets of the client's investment portfolio by selecting mutual funds and individual securities. A client’s investment portfolio is constructed from the client's goals, objectives and risk tolerance. Arcadia provides investment consultation services; investment selection and monitoring of mutual fund portfolios, and assists the client in implementing a strategy for the clients’ overall investment objectives. From time to time, Arcadia may make changes in the selection or allocation of investment alternatives. This may be done on a discretionary or non- discretionary basis depending on the agreement with the client. The investments selected by Arcadia predominately include Dimensional Fund Advisors (“DFA”) and Schwab One-Source mutual funds, and Arcadia implements a long-term investment strategy which has been designed to result in low investment turnover. 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. Financial Planning Services- Arcadia offers financial and retirement planning to its Clients. 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. Financial planning addresses the following areas: retirement, college education, and other goal funding; income tax planning; life, disability, long-term care, homeowners and automobile insurance; and estate planning. Clients of Arcadia can also receive investment advice on a more limited basis. This may include advice on certain areas of interest or need such as estate planning, retirement, 401(k) or 403(b) investment allocations or any other specific topic. Financial planning 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 would increase the 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[s] through the Advisor. Retirement Plan Advisory Services Arcadia may provide non-discretionary (under ERISA 3(21)) retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”), pursuant to the terms of the retirement plan advisory agreement. The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include:
• Vendor Analysis
• Plan Participant Enrollment and Education Tracking
• Investment Oversight Services (ERISA 3(21))
• Investment Policy Statement (“IPS”) Design and Monitoring
• Performance Reporting
• ERISA 404(c) Assistance
• Benchmarking Services
• Ongoing Investment Recommendation and Assistance Retirement plan advisory services are provided by Arcadia serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of Arcadia’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging Arcadia 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:
• Asset Allocation – Arcadia 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 – Arcadia will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – Arcadia will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Arcadia does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Arcadia. E. Assets Under Management Client assets are managed on both a discretionary and non-discretionary basis. At the inception of each client relationship or upon request, Arcadia will document any client requested restrictions to be applied to the management of their account. Assets under management as of December 31, 2022: Discretionary: $215,606,596 Non-Discretionary: $3,167,744 Total Managed: $218,774,340