Overview Ruedi Wealth Management, Inc. (“RWM” and/or “the firm”) is an SEC registered Illinois corporation. RWM has been offering investment advisory and financial planning services since September 2014. The firm is principally owned by Paul A. Ruedi. RWM offers a traditional investment advisory model where RWM performs in-person Client meetings with an advisor for Clients with $1,000,000 or more of investable assets. Investment Advisory Services RWM’s investment advisory services consist of the ongoing management of Client accounts on a discretionary basis (in rare instances, we may provide investment advisory services on a non-discretionary basis). Once the Client's objectives are determined, RWM makes recommendations regarding the asset allocation of their accounts. We also perform an evaluation of the Client's current investment holdings and make recommendations, if appropriate, to bring the Client's current investments into alignment with his or her agreed-upon target asset allocation. We will allow reasonable restrictions concerning the management of your account - for example, restricting the type, or amount, of security to be purchased in the portfolio. Once the account has been invested in accordance with the recommended asset allocation, RWM monitors the Client portfolio on an ongoing basis and may periodically rebalance to maintain the target asset allocation for the account. In addition, RWM will periodically meet with the Client to discuss any changes in the Client's financial circumstances, investment objectives, and risk tolerance, and may adjust the initial recommendations as deemed appropriate. Plan Management Using Pontera We use a third-party platform (“Pontera") to facilitate discretionary management of held away assets such as defined contribution plan participant accounts. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the Client allowing you to connect your account(s) to the platform. Once a Client's account(s) are connected to the platform, RWM will review the current account allocations. When deemed necessary, RWM will rebalance the account considering Client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least annually and allocation changes will be made as deemed necessary. Financial Planning Services Financial Planning

Services consists of the identification of the Client's lifetime financial goals, development of a financial plan, and assistance with the implementation of the plan recommendations. The contents of the financial plan vary based on the Client's individual needs and circumstances, but may include advice related to the following areas: (1) retirement funding, (2) investments, (3) insurance, (4) estate planning, (5) education funding, and/or (6) tax planning. Financial planning services are offered to our Clients at no additional cost. In some instances, RWM may provide financial planning on a standalone basis and charge a fee for these services. In the event a Client hires RWM for standalone financial planning services, it is the Client's responsibility to implement the financial planning and investment recommendations. IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. 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);
• Avoid misleading statements about conflicts of interest, fees, 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; and
• Give you basic information about conflicts of interest. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest. Client Assets Under Management As of March 13, 2024, RWM has $362,857,412 in discretionary assets under management and $21,444,033 in non-discretionary assets under management, for a total of $384,301,445 in total assets under management.