Description of Our Advisory Firm BCU Wealth Advisors, LLC is an Illinois-based limited liability company formed in 2012. The firm is a wholly owned subsidiary of BCU. Advisory firm management and associated personnel remain operationally independent of credit union operations. Our advisory firm does not own or control another financial services entity. In addition, internal control assessments are periodically made to ensure such separation is consistently maintained. Our firm had been previously registered as an investment advisor with the State of Illinois in 2012, prior to our present registration with the SEC beginning in 2015. Our firm may notice file or meet certain exemptions in other states in which we conduct advisory business. We are a fiduciary and are required to act in a client’s best interest at all times. Description of Advisory Services Offered BCU Wealth Advisors, LLC provides a range of investment advisory solutions to its clients. For those interested solely in planning areas such as cash flow and budgeting, education funding, retirement planning, equity compensation planning, charitable giving strategies, risk management and estate planning, as well as periodic investment advice, we provide our financial planning and investment consultation services. We also offer a wrap fee investment program to eligible clients who prefer incorporating financial planning and investment management into a wrapped (bundled) asset-based fee. Further information is described in a separate advisory brochure that is available upon request. At the beginning of the relationship a complimentary interview is provided by a representative of our firm to determine the scope of services for your engagement. During or prior to your first meeting we will provide you with our current Form ADV Part 2A firm brochure and you will receive a Form ADV Part 2B brochure supplement about the investment advisor representative who will be assisting you. The firm will also ensure any material conflicts of interest are disclosed regarding our firm and its associates that could be reasonably expected to impair the rendering of unbiased and objective advice. Should you wish to engage our firm, we must first enter into a client services agreement; thereafter, discussion and analysis will be conducted to determine your financial needs, goals, holdings, etc. Depending on the scope of the engagement, we may require current copies of the following documents early in the process:
• Statements reflecting current investments in retirement and non-retirement accounts
• Information on current retirement plans and benefits provided by your employer
• Current financial specifics including W-2s or 1099s
• Insurance policies
• Tax returns
• Mortgage information
• Wills, codicils and trusts
• Completed risk profile questionnaires or other forms provided by our firm It is important that the information and financial statements you provide are accurate. We may, but are not obligated to, verify the information you have provided, which will then be used in the financial planning or investment advisory process. Financial Planning and Investment Consultation Services Our services may be broad-based (sometimes coined “comprehensive planning” or “wealth management”) or more narrowly focused as you desire. If several or all of the services described are provided together through a broad-based plan, the total time needed to complete these services may be less than the time it would take to complete each service separately because of the efficiency gained by combining more than one service. Cash Flow and Debt Management We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses. Advice may also be provided on which debts to pay off first and any income tax ramifications. We may recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts. Risk Management Our services include an analysis of your exposure to major risks that could have an adverse impact on your financial picture, such as premature death, longevity, disability, property and casualty losses, or the need for long-term care. Advice is provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential costs of not purchasing insurance (self-insuring). Employee Benefits We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible in your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals. Equity Compensation Planning We will provide a review and analysis as to whether you, as an employee, are taking the maximum advantage possible in your equity compensation/long-term incentives. This may take many forms, including options, restricted stock, performance shares and employee stock purchase plans. In addition to high-level education on this form of compensation, recommendations may include how to leverage these awards and stock ownership in relation to your tax strategy, overall net worth, and long-term financial plans. Retirement Planning Our retirement planning services typically include projections of your likelihood of achieving your financial goals, with financial independence usually the primary objective. For situations where projections show less than the desired results, we may make recommendations that include showing you the impact on those projections by making changes in certain variables (i.e., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate income producing strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years. Tax Planning Strategies Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. We may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation. Charitable Giving Strategies Advice may include ways to minimize current and future income taxes through charitable giving as part of your overall financial planning picture and philanthropic goals. Recommendations may include approaches to consider, along with amounts based on your financial plan success rate, liquidity, and investment assets. Education Planning Our education planning services may include projecting the amount that will be needed to achieve college or other post-secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and advice might also include the “pros-and-cons” of various college savings vehicles such as Section 529 college savings plans and any advantages to you (i.e., reduction of income taxes) of using a particular state’s Section 529 plan or prepaid savings plan or another plan (e.g., Coverdell Education Savings Accounts). Estate Planning We may offer an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. We will provide a review of your estate planning documents to determine if these conflict with the beneficiary designations on your retirement, investment, cash accounts and life insurance. We may recommend what we believe to be an appropriate update to your estate documents and/or your various beneficiary designations based on the asset distribution strategies discussed. Our advice may include ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. Investment Consultation Our investment consultation services may involve providing information on the types of investment vehicles available, employee stock options, investment analysis and strategies, asset allocation and portfolio design, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian (collectively, we term as “service providers”) of your choosing. Where appropriate, we will prepare investment guidelines reflecting your investment objectives, time horizon, tolerance for risk, as well as any account constraints you may have for the portfolio. They will be designed to be specific enough to provide future guidance while allowing flexibility to work with changing market conditions. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure. Please note that we will not be managing your account(s) under this form of advisory engagement. Should you prefer that we do so, we may be engaged under our wrap fee investment program that is described in further detail within our Form ADV Part 2A - Appendix 1 (Wrap Fee Program Brochure) or through certain programs sponsored by LPL Financial LLC (“LPL Financial”), a registered investment adviser and broker-dealer, that is described in further detail within the respective Form ADV Part 2A – Appendix 1 (Wrap Fee Program Brochure). Client-Tailored Services and Client-Imposed Restrictions Broad-Based v. Modular Financial Planning A broad-based plan is a detailed endeavor; therefore, certain variables can affect the cost involved in the development of the plan: the quality of your own records, complexity and number of current investments, diversity of insurance products and employee benefits you currently hold, size of the potential estate, special needs of the client or their dependents, among others. While certain broad- based financial plans may require 10 or more hours to complete; complex plans may require 20 hours or more to complete. Alternatively, and upon your request, we may concentrate on reviewing only a specific area (modular planning), such as educational funding, specific investment advice or a portfolio allocation, etc. Note that when these services focus only on certain areas of your interest or need, however, your overall situation or needs may not be fully addressed due to limitations you may have established. Whether you have requested a broad-based or modular plan, we will present you with a summary of our recommendations, guide you in the implementation of some or all of them, and offer periodic reviews

thereafter (see Item 13). Unless your agreement with our firm involves an ongoing engagement, upon completion of your presentation or delivery of advice through this form of planning service, our services are typically concluded. You are always encouraged to contact our firm at any time in the future to re-engage our services. Periodic Review We strongly urge our clients to notify us of any change in their circumstances, and to schedule a review any time there is such a change. An annual review should be considered even if there is not a substantial change, because tax laws, estate laws, and insurance and investment products continually evolve. In all instances involving our financial planning and investment consultation services, you will retain full discretion over all implementation decisions and are free to accept or reject any recommendation we make. Wrap Fee Program As previously noted, our firm offers a wrap fee investment management program to clients who maintain a minimum of $50,000 of investible assets through our firm. This program incorporates all aspects of the investment management program through an asset-based fee. We ask that interested parties review our separate Form ADV Part 2A - Appendix 1 Wrap Fee Program Brochure for further details. LPL Financial Sponsored Advisory Programs Alternatively, we may provide advisory services through certain programs sponsored by LPL Financial LLC, a registered investment advisor and broker-dealer. Below is a brief description of each LPL Financial advisory program available to us. For more information regarding the LPL Financial programs, including more information on the advisory services and fees that apply, the types of investments available in the programs and the potential conflicts of interest presented by the programs please see the respective Form ADV Part 2A – Appendix 1 (Wrap Fee Program Brochure). Manager Access Select Program Manager Access Select offers clients the ability to participate in the Separately Managed Account Platform (the “SMA Platform”) or the Model Portfolio Platform (the “MP Platform”). In the SMA Platform, we will assist you in identifying a third-party portfolio manager (SMA Portfolio Manager) from a list of SMA Portfolio Managers made available by LPL Financial, and the SMA Portfolio Manager manages your assets on a discretionary basis. We will provide initial and ongoing assistance regarding the SMA Portfolio Manager selection process. In the MP Platform, you authorize LPL Financial to direct the investment and reinvestment of the assets in your accounts, in accordance with the selected model portfolio provided by LPL Financial’s Research Department or a third-party investment adviser. A minimum account value of $50,000 is required for Manager Access Select, however, in certain instances, the minimum account size may be lower or higher. Model Wealth Portfolios Program (MWP) MWP offers clients a professionally managed mutual fund asset allocation program. We will obtain the necessary financial data from you, assist you in determining the suitability of the MWP program and assist you in setting an appropriate investment objective. We will initiate the steps necessary to open an MWP account and have discretion to select a model portfolio designed by LPL Financial’s Research Department consistent with your stated investment objective. LPL Financial’s Research Department, a third-party portfolio strategist and/or we may act as a portfolio strategist responsible for selecting the mutual funds or ETFs within a model portfolio and for making changes to the mutual funds or ETFs selected. You will authorize LPL Financial to act on a discretionary basis to purchase and sell mutual funds and ETFs and to liquidate previously purchased securities. You will also authorize LPL Financial to effect rebalancing for MWP accounts. MWP requires a minimum asset value for a program account to be managed. The minimums vary depending on the portfolio(s) selected and the account’s allocation amongst portfolios. The lowest minimum for a portfolio is $25,000. In certain instances, a lower minimum for a portfolio is permitted. Guided Wealth Portfolios (GWP) GWP offers clients the ability to participate in a centrally managed investment program, which is made available to users and clients through a web-based, interactive account management portal (“Account View”). Investment recommendations to buy and sell exchange-traded funds and open-end mutual funds are generated based upon model portfolios constructed by LPL Financial and selected for the account. Communications concerning GWP are intended to occur primarily through electronic means (including but not limited to, through email communications or through the Account View), although we will be available to discuss investment strategies, objectives, or the account in general in person or via telephone. A preview of the Program (the “Proposal Tool”) is provided as a link hosted by us to help users determine whether they would like to become advisory clients and receive ongoing financial advice from LPL Financial and us by enrolling in the advisory service (the “Advisory Service”). The Proposal Tool and Advisory Service are described in more detail in the GWP Program Brochure. Users of the Proposal Tool are not considered to be advisory clients of LPL Financial or us, do not enter into an advisory agreement with LPL Financial or us, do not receive ongoing investment advice or supervision of their assets, and do not receive any trading services. A minimum account value of $5,000 is required to enroll in the Advisory Service. Features of the Proposal Tool Users of the Proposal Tool (each, a “user”) agree to a terms of use (“Terms of Use”) and complete an investor profile. Users must select from one of the following goals for each account: retirement (“Retirement Goal”), major purchase (“Major Purchase Goal”), or general investing (“General Investing Goal”). Based on the investor profile completed, the Proposal Tool generates sample asset allocation recommendations (“Sample Recommendations”). The Educational Tool provides Sample Recommendations that may assist users in determining whether to utilize the Advisory Service. The Proposal Tool is intended to be used for educational and informational purposes only. The Proposal Tool does not provide comprehensive financial planning and is not intended to constitute legal, financial or tax advice. To use the Proposal Tool, users are responsible for providing information about, among other things, their goals, age, risk tolerance, and investment horizon. The Proposal Tool is only one of many tools that users may use as part of a comprehensive investment analysis process. Users should not rely on the Proposal Tool as the sole basis for investment decisions. Although LPL Financial is an investment adviser and broker-dealer registered with the SEC and a member of the Financial Industry Regulatory Authority, the Proposal does not establish an investment advisory contract or advisory relationship between the user and LPL Financial or us. Users are not charged an advisory fee or any other fee or expense to use the Proposal Tool. The scope of any investment advisory relationship with LPL Financial or us begins when users enroll in the Advisory Service. The output that users receive by using the Proposal Tool, including the Sample Recommendations, may differ materially from the advice users would receive as an advisory client of LPL Financial or us. Neither LPL Financial or us provide ongoing investment management or trading services for assets of users of the Proposal Tool, make any determination as to whether the website through which the Program is accessed or the Proposal Tool is appropriate for any user, can access any assets in any accounts users aggregate in the Proposal Tool, place any trades on behalf of users of the Proposal Tool, or provide ongoing supervision of assets of users of the Proposal Tool. The Sample Recommendations provided are intended as an informational preview of the Advisory Service, and the Sample Recommendations are being provided to demonstrate the types of analysis, advice and recommendations provided by the Advisory Service. Features of the Advisory Service Investors participating in the Advisory Service complete an account application and enter into an account agreement with LPL Financial and us. As part of the account opening process, clients are responsible for providing complete and accurate information regarding, among other things, their goal for the account, age, risk tolerance, and investment horizon. LPL Financial and we rely on this information to provide services under the Program, including but not limited to, determination of suitability of the Program for clients. Based on the Client Profile, LPL Financial selects an appropriate investment allocation track and model portfolio for a client. We are required to review and accept the account, including the investment allocation and model portfolio prior to account opening. The Model Portfolios have been designed and are maintained by LPL Financial Research and include a list of exchange-traded funds (“ETFs”) holdings and open-end mutual funds holdings, relative weightings and a list of potential replacement securities for tax harvesting purposes. LPL Financial Research currently serves as the sole Portfolio Strategist and does not charge a fee for its services. Only one Model Portfolio is permitted per account. Advisory Service are described in more detail in the GWP Program Brochure. Client Assets Under Management As of December 31, 2023, our firm had $449,862,759 in discretionary assets under management with $336,463,597 within our wrap fee investment program. We do not manage client accounts via our financial planning services engagements. General Information We do not provide legal or accounting services. With your consent, we may work with your other advisors (attorneys, accountant, etc.) to assist with coordination and implementation of accepted strategies. You should be aware that these other advisors will charge you separately for their services and these fees will be in addition to our advisory fees. Our firm will use its best judgment and good faith effort in rendering its services. BCU Wealth Advisors, LLC cannot warrant or guarantee any particular level of account performance or that your account will be profitable over time. Past performance is not necessarily indicative of future results. Except as may otherwise be provided by law, our firm will not be liable to the client, heirs, or assignees for any loss an account may suffer by reason of an investment decision made or other action taken or omitted in good faith by our firm with that degree of care, skill, prudence and diligence under the circumstances that a prudent person acting in a fiduciary capacity would use; any loss arising from our adherence to your direction or that of your legal agent; any act or failure to act by a service provider maintaining an account. Federal and state securities laws impose liabilities under certain circumstances on persons who act in good faith and, therefore, nothing contained in this document shall constitute a waiver of any rights that a client may have under federal and state securities laws.