A. Description of the Advisory Firm Bowen Wealth LLC (hereinafter “BW”) is a corporation organized in the State of South Carolina. The firm was formed in June 2021, and the principal owner is John Brandon Bowen. B. Types of Advisory Services Portfolio Management Services BW offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. BW creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels). Portfolio management services include, but are not limited to, the following:  Investment strategy  Asset allocation  Risk tolerance  Personal investment policy Asset selection  Regular portfolio monitoring BW evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. BW will require discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. BW seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of BW’s economic, investment or other financial interests. To meet its fiduciary obligations, BW attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, BW’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is BW’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent, including initial public offerings ("IPOs") and other investment opportunities that might have a limited supply, among its clients on a fair and equitable basis over time. BW has discretion to choose third-party investment advisers to manage all or a portion of the client's assets. Before selecting other advisers for clients, BW will always ensure those other advisers are

properly licensed or registered as an investment adviser. BW conducts due diligence on any third-party investment adviser, which may involve one or more of the following: phone calls, meetings and review of the third-party adviser's performance and investment strategy. BW then makes investments with a third-party investment adviser by investing with the third-party adviser. BW may also allocate among one or more private equity funds or private equity fund advisers. BW will review the ongoing performance of the third-party adviser as a portion of the client's portfolio. Services Limited to Specific Types of Investments BW generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, private equity funds, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds, commodities, non-U.S. securities, venture capital funds and private placements. BW may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions BW offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent BW from properly servicing the client account, or if the restrictions would require BW to deviate from its standard suite of services, BW reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. BW does not participate in any wrap fee programs. E. Assets Under Management BW has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $50160000 $0 December 2022