Description of the Firm Sage Stone Wealth Management LLC is a California-domiciled limited liability company and registered investment advisor with the Securities and Exchange Commission (“SEC”). Our firm is not a subsidiary of, nor does it control, another industry entity. In addition to its original registration in 2010, the firm and its associates can notice-file, register or meet certain exemptions to registration in jurisdictions in which investment advisory business is conducted. Mary Naber is the majority owner of Sage Stone Wealth Management LLC and serves as the firm’s President and Chief Compliance Officer. Michael Lopez is a minority owner and serves as the Vice President. Further information about Ms. Naber and Mr. Lopez can be found in their respective brochure supplement (Form ADV Part 2B), which is delivered to new clients and available upon request. Description of Advisory Services Offered Sage Stone Wealth Management LLC provides a range of solutions to its clients. An initial complimentary interview is conducted by a firm representative to discuss your current situation and objectives so that we can determine the scope of services that can be provided to you. During or prior to your first meeting, we will provide you with our current Form ADV Part 2A firm brochure, Form CRS (for retail clients), and privacy policy statement, and you will receive a brochure supplement (Form ADV Part 2B) about the investment advisor representative who will be assisting you. Should you wish to engage our firm for its services, you must first execute our written agreement; thereafter, discussion and analysis will be conducted to determine your financial situation, goals, risk tolerance, and ethical concerns. Depending on the scope of the engagement, we can require current copies of the following documents early in the process:
• Wills, codicils, and trusts
• Insurance policies
• Mortgage information
• Tax returns
• Current financial specifics including W-2s or 1099s
• Information on current retirement plans and benefits provided by your employer
• Information on government benefits such as a Social Security statement
• Statements reflecting current investments in retirement and non-retirement accounts
• Employment or other business agreements you have in place
• Completed risk profile questionnaires or other forms provided by our firm It is important that we are provided with an adequate level of information and supporting documentation throughout the term of the engagement including but not limited to: source of funds, income levels, and an account holder or attorney-in-fact’s authority to act on behalf of the account, among other information that we deem necessary for our services. The information and/or financial statements provided to us need to be accurate. We do not assume responsibility for the accuracy of the information you provide, and we are not obligated to verify any information received from you or from any of your other professionals (e.g., attorney, accountant, etc.). Under all circumstances, you are responsible for promptly notifying us in writing of any material changes to your objectives, risk tolerance, time horizon, and financial goals. In the event you notify us of any changes, we will review such changes and implement any necessary revisions to your portfolio.
Comprehensive Portfolio Management Our Comprehensive Portfolio Management service encompasses asset management as well as providing financial planning consulting to clients. It is designed to assist clients in meeting their financial goals through the use of investments in securities. We conduct at least one, but sometimes more than one meeting (in person, if possible, otherwise via telephone conference) with clients in order to understand their current financial situation, goals, risk tolerance, and ethical concerns Based on what we learn, we will propose an investment approach to the client. We will generally recommend an investment portfolio consisting of exchange-traded funds (ETFs), mutual funds, individual stocks or bonds, or other securities. At times, we also employ alternative or riskier strategies, such as the use of margin. However, please note that using margin is not suitable for all investors; the use of margin increases leverage in a client’s account and therefore increases overall risk. Please review these considerations carefully with us prior to investing. Please refer to Item 8 below for detailed information regarding the risks surrounding investments. Upon the client’s agreement to the proposed investment plan, we work with the client to establish or transfer investment accounts so that we can manage the client’s portfolio. Once the relevant accounts are under our management, we review such accounts on a regular basis and at least quarterly. We periodically rebalance or adjust client accounts under our management. If the client experiences any significant changes to his/her financial or personal circumstances, the client must notify us so that we can consider such information in managing the client’s investments. Separate Account Managers We utilize separate account managers, where we design an investment portfolio and provide ongoing corresponding Comprehensive Portfolio Management services on a fee-only basis for a percentage of assets in conjunction with another investment advisory firm. Before selecting other advisors, we make sure that the other advisors are properly licensed or registered within your jurisdiction. We pay compensation to separate account managers for services rendered by these firms to our clients as well as our firm. This compensation is typically equal to a percentage of the overall investment advisory fee charged by our firm or an agreed upon fixed fee. The advisory fee paid to separate account managers shall be negotiable in certain circumstances but shall never exceed the overall amount in our published fee statement (usually 25% to 50% of the overall advisory fee is paid to the separate account managers for their services). Financial Planning Consultations We provide a variety of financial planning consultation services to individuals, families, and other clients regarding the management of their financial resources based upon an analysis of the client’s current situation, goals, and objectives. Generally, such financial planning services will involve rendering one or more financial consultations for clients based on the client’s financial goals and objectives. This consulting can encompass one or more of the following areas:
• Investment Planning • Mortgage/Debt Analysis
• Retirement Planning • Insurance Analysis
• Estate Planning • Lines of Credit Evaluation
• Charitable Gift Planning • Business and Personal Financial Planning
• Education Planning • Strategic Cash Management
• Real Estate Analysis • Mortgage/Debt Analysis
• Ethical Values Investing • Insurance Analysis Our financial consultations usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations can be made that the clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish educational

accounts or charitable giving programs. Consultations are typically completed within six months of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly. At no time will we charge you $1,200 or more, six months or more in advance of us performing our services. Financial planning clients are not under any obligation to implement any recommendations we provide, with us or with any other firm. Clients always have the right to decide whether to act upon any financial planning recommendations and may follow or disregard, wholly or in part, any information, recommendation, or advice provided by our Firm. Should a client decide to follow our recommendations, typically the investment management services are offered through us pursuant to a client’s request. If a client who utilizes our Financial Planning Consultation Services chooses to utilize our Comprehensive Portfolio Management Service within three months of engaging us for a financial consultation, the fee for our Financial Planning Consultation Service shall be credited against our fee for Comprehensive Portfolio Management Services. However, clients should be aware that the firm has a conflict of interest when making certain recommendations since the firm will receive fees should the client implement such recommendations through us. Financial planning recommendations are based on the client’s financial situation at the time the recommendations are provided and are based on the information provided by the client. In addition, certain assumptions shall be made with respect to interest and inflation rates, use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance and we cannot offer any guarantees or promises that your financial goals and objectives will be met. As your financial situation, goals, risk tolerance, and ethical concerns change, you are strongly urged to promptly notify us. For more information on the risks associated with investing, please refer to Item 8, below. You always have the right to accept or reject any or all recommendations we provide. Should you decide to act on such recommendations, you always have the right to decide with whom you choose to do so. Importantly, as part of our fiduciary duty to clients, the firm and our representatives endeavor at all times to put the interests of the clients first, and recommendations are only made to the extent that we reasonably believe that they are in the best interests of the client. Additionally, the conflicts related to our services are disclosed by us to new clients through the delivery of the firm’s disclosure brochures (Form ADV Part 2A and Part 2Bs). Sub-Adviser Services From time to time, we will enter into an agreement with unaffiliated third-party investment advisers (“Third- Party Adviser”) to serve as sub-adviser and provide investment management services to their clients. Under such arrangements, the Third-Party Adviser appoints our firm as sub-adviser to act as their agent and attorney-in-fact, and delegates to us limited power and authority and discretion to buy, sell or otherwise effect transactions for certain of their clients’ accounts. The investment management services will be provided in accordance with the investment objectives and policies of each Third-Party Adviser client, and subject to any restrictions applicable to the client’s account, as communicated in writing by the Third-Party Adviser to our firm. The Third-Party Adviser will be responsible for promptly forwarding to us in writing any and all changes to such investment objectives, policies, and restrictions. At the reasonable request of the client or the Third-Party Adviser, representatives of our firm will from time-to- time participate in periodic consultations by telephone with a client regarding management and performance of their account. Investment Policy Statement Creation and Review We shall write and/or revise an Investment Policy Statements (IPS) for various foundations or other types of clients. An IPS is a document, generally between a client and an investment advisor, recording the agreements the two parties come to with regard to issues relating to how an investor's account is to be managed. In other cases, an IPS can also be created by an investment committee (e.g., those charged with making investment decisions for an endowment or pension plan) to help establish and record its own policies in order to assist in future decision-making or to help maintain consistency of its policies by future committee members or to clarify expectations for prospective investment advisors who are hired by the committee. The presence of an IPS helps to clearly communicate to relevant parties the procedures, investment philosophy, guidelines, and restrictions to be adhered to by the parties. It can be seen as a directive from the client to the investment advisor about how the money is to be managed, but at the same time the IPS should provide guidelines for all investment decisions and responsibilities of each party. Portfolio Monitoring Our Portfolio Monitoring Service provides for periodic reviews but does not allow for trade execution or discretion with respect to securities transactions. Clients are responsible for placing and executing their own trades, either on their own or through another investment advisor. Client-Tailored Services and Client-Imposed Restrictions We offer investment advice to clients utilizing the following services:
• Comprehensive Portfolio Management
• Separate Account Management Services
• Financial Planning Consultations
• Sub-Adviser Services
• Investment Policy Statement Creation and Review
• Portfolio Monitoring We encourage clients to impose reasonable and clear restrictions on investing in certain securities or types of securities or industries based on their ethical values. For example, clients can express moral or social based objections to investing in certain companies or industries. Wrap Fee Programs We do not offer or participate in any wrap programs at this time. Client Assets Under Management As of December 31, 2023, our firm had approximately $198,749,251 of reportable client assets under management; $192,945,783 on a discretionary basis, and $5,803,468 on a nondiscretionary basis (defined in Item 16). General Information We do not provide legal, tax, or accounting services. With your consent, we will 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. Sage Stone Wealth Management 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. 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 has under federal and state securities laws.