Signify Wealth is a Limited Liability Company organized in the state of Missouri.
• This firm has been in business since December 2011.
• Signify Wealth LLC ‘s principal owner is Stephen P. Rhodes Signify Wealth (hereinafter “SW”) offers the following services to advisory clients: Investment Management Services SW provides discretionary investment management services for its Clients either directly or through allocation to unaffiliated Third-Party Managers participating in a Managed Account Program. For Clients with accounts managed through a Managed Account Program, the Third- Party manages will also require such authority. Based on information you provide about your individual and family circumstances, financial situation, securities portfolio, investment objectives (such as income, balanced growth and income, or maximum growth, for example), expected investment time horizon, tolerance for volatility or risk in your portfolio, and liquidity needs, we will work with you to develop an appropriate investment program. SW primarily allocates Client assets among various Third-Party managers; we may also manage all or a portion a Client’s account(s) internally. In addition to Third-party managers, SW may construct Client portfolios utilizing mutual funds, exchange-traded funds (“ETFs”), individual equity securities and fixed income securities. SW may employ other types of investments as necessary to achieve the Client’s objectives. SW may also recommend that certain accredited investors (as defined by Rule 501 of the Securities Act of 1933) invest in privately placed securities, which may include debt, equity 6 or interests in pooled investment vehicles (e.g. hedge funds). Where applicable, SW may also provide advice regarding legacy positions or other investments held in a Client’s portfolio. Please refer to Item 8 – Methods Of Analysis, Strategies & Risk Of Loss for information about the investment strategies and types of investments we generally recommend to Clients. Managed Accounts Program Client’s investible assets can be managed by us through a Managed Account Program sponsored by one of the institutional management firms we recommend (each referred to as a “Sponsor”). We believe many Clients can benefit from the diverse investment products, strategies, portfolios, and institutional managers available through Managed Account Programs. We will assist the Client to select an appropriate Managed Account Program and to designate an initial investment strategy and model portfolio, and if appropriate, a third-party manager to manage their account. Currently, we have Clients participating in the Managed Account Programs sponsored by Dynasty Wealth Management, LLC (“DWM”), a subsidiary of Dynasty Financial Partners, LLC (“DFP”) (collectively “Dynasty”), Envestnet and other investment platforms. The vast majority of our Clients A. Description of the Advisory Firm B. Types of Advisory Services are using Managed Account Programs through Dynasty. Please see Item 10 – Other Financial Industry Activities & Affiliations for additional disclosures. Dynasty provides an integrated platform service provider of business resources to Registered Investment Advisors (“RIA”). Dynasty provides access to trading technology, reporting and investments through an open architecture system. Dynasty selects, builds and monitors investment portfolios in order to cater to various levels of investor sophistication. SW uses Dynasty’s Separately Managed Accounts (“SMA”) and Unified Managed Accounts (“UMA”) to create custom portfolios for a range of Client needs. Dynasty’s SMA/UMA solutions include:
• Institutional quality research
• Integrated flexible performance reporting options
• A single technology platform to manage trading, research and reporting Accounts participating in a Managed Account Program will typically pay a quarterly Program Fee (calculated as a percentage of assets) that include (i) the Program Sponsor’s services in researching and adjusting the model portfolios and strategies, screening available investment options, and performing initial due diligence and on-going monitoring of Third-Party Managers, (ii) the day-to-day investment management services of Third-Party Managers, if any, selected for the account, and (iii) the broker-dealer’s brokerage and custody services. For Clients that we recommend a Managed Account Program, we will explain the objectives of the Program, the characteristics and risk profiles of the available investment portfolios, the management styles and strategies of the Third-Party Managers, and the potential benefits, costs, risks, and requirements of the program. Clients who choose to participate in a Managed Account Program, we will assist the Client to identify a suitable model portfolio or strategy, and if applicable to the Managed Account Program, an appropriate Third-Party Manager to provide day-today management of the Client’s Program account[s]. Client Directed Investments For client directed investments/funds, not recommended by the Adviser and possibly held outside the custodians, the Adviser will provide reporting, administrative and monitoring services for these investments. Financial Planning/Consulting Services SW does not offer stand-alone financial planning services. Clients who enter into investment management services agreements with SW have the option to request various other financial planning services from SW, including but not limited to risk management planning, tax planning, retirement planning, estate planning, and/or debt management planning. These optional other financial planning services are provided at no additional cost. However, optional other financial planning services are only provided to investment management services Clients upon request and only after SW has agreed to the request. SW is under no obligation and bears no responsibility to provide all investment management services clients with optional financial planning services. The following is additional detail on the optional financial planning services that SW may provide (upon request by the client and agreement by SW) to investment management services clients:
• Risk Management Planning - Upon request, SW conducts risk management planning for a client. After gathering information provided by the client, SW identifies and analyzes risks relevant to the client. After identification and examination, SW recommends products, tools, and techniques to mitigate, reduce, and/or eliminate the identified risks. This usually includes the client implementing various insurance policies. Examples include, but are not limited to, automobile insurance, commercial insurance, disability insurance, errors & omissions insurance, flood insurance, health insurance, homeowners’ or renters’ insurance, life insurance, personal articles insurance, and umbrella insurance. Other non- insurance products, tools, and techniques to mitigate, reduce, and/or

eliminate the identified risks associated with each client are also recommended to the client if applicable to the client’s situation.
• Tax Planning – Upon request, SW assists a client with tax planning. After gathering information provided by the client, SW seeks to help the client minimize, reduce, or legally eliminate the various types of taxes imposed upon the client. Various taxes include, but are not limited to, federal, state, and local income taxes, estate taxes, excise taxes, foreign taxes, franchise taxes, payroll taxes, property taxes, real estate taxes, sales taxes, self- employment taxes, and unemployment taxes. There are many strategies and techniques to minimize, reduce, or legally eliminate each type of tax, and SW analyzes each client’s distinct situation in order to properly recommend effective and efficient strategies and techniques.
• Retirement Planning – Upon request, SW reviews and analyzes a client’s current and forecasted retirement scenario. After gathering information provided by the client, SW works with the client to set realistic retirement goals and outline steps and tools that help the client accomplish those goals. SW helps the client achieve sustainable balances of spending and saving during their working years to minimize lifestyle changes between the client’s working years and retirement years. Retirement planning by SW usually involves, but is not limited to, calculating annual or monthly retirement savings needs, reviewing current retirement vehicles the client is presently using, reviewing potential retirement vehicles available for use by the client, and presenting to the client simulations and other projections, charts, and tools to help the client visualize their retirement goals, assess their progress toward those goals, and increase their likelihood of achieving those goals.
• Estate Planning – Upon request, SW helps clients prepare and arrange for the tax- efficient and cost-efficient disposition of their assets to their desired beneficiaries. After gathering information provided by the client, SW reviews the client’s overall situation, including, but not limited to, the titling and location of assets and liabilities, the use of wills, trusts, family limited partnerships, powers of attorney and medical directives, life insurance policies, and the client’s state of residency. After review, SW works with the client to determine the client’s specific goals. SW then recommends changes intended to benefit the client and the beneficiaries. Typical generic goals include, but are not limited to, helping the client eliminate uncertainties over the administration of a probate, minimizing the costs of estate management (including minimizing asset transfer costs, liability payoff costs, court costs, appraisal costs, accounting and legal costs, as well as estate, gift, and inheritance taxes), preserving confidentiality, ensuring timely asset transfers, confirming and implementing proper beneficiary designations, and helping the client fulfill any gifting and/or charitable intentions. It should be noted that SW does not practice law, and, therefore, SW works with licensed attorneys to execute estate plans.
• Debt Management Planning – Upon request, SW analyzes a client’s outstanding debts/liabilities in order to help the client maximize wealth. After gathering information provided by the client, including details on income, assets, and debts/liabilities, which may include, but are not limited to, automobile loans, commercial loans, credit cards, home equity lines of credit, installment loans, lines of credit, margin, medical debts, mortgages, and student loans, SW works with the client to determine the best actions the client should take regarding each debt/liability. SW analyzes the overall impact and risks associated with each individual debt/liability position as well as the overall impact and risks associated with the aggregate debt/liability position given the client’s assets, income, age, and other factors. Depending on the scope of the financial planning services requested and mutually agreed upon, SW may also analyze and review with the client the effect the debts/liabilities have on other financial planning areas, such as tax planning and estate planning. Cryptocurrency Services Cryptoassets - Our firm offers Cryptoasset planning, and investment management services included as part of our ongoing investment management fees. For clients engaging in investment management service, there is no separate fee for Cryptoassets charged by our firm. [Custodians, exchanges and third parties may include fees for their service. SW will offer cryptocurrency to clients through the qualified custodian, Gemini (https://www/gemini.com/). Selection of Other Advisers SW may direct clients to sub-advisers. The client will not be directly engaged with the sub- adviser. SW will enter an agreement with each sub-adviser for sub-advisory services to be provided to SW clients. Each sub-adviser will deduct their management fees directly from the Advisory Client’s account(s). Accounts enrolled in the Dynasty managed program will have one combined fee deducted by Dynasty. This combined fee consists of the fee for Dynasty, SW, and SMA (if applicable). Dynasty will remit SW’s fees (listed in section 5) to SW and SMA fee (if applicable) to the SMA. SW does not receive any portion of the fees for Dynasty or the SMA (if applicable). Fees are deducted or billed quarterly or monthly in advance. SW will always act in the best interests of the client, including when determining which third party manager to recommend to clients. In addition, SW will determine if the sub-adviser is properly licensed, notice filed or exempt from registering with the department prior the manager to any SW clients. Services Limited to Specific Types of Investments SW generally limits its investment advice and/or money management to mutual funds, equities, bonds, fixed income, ETFs, and insurance products including annuities. SW may use other securities as well to help diversify a portfolio when applicable. SW offers the same suite of services to all of its clients. However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. SW does NOT participate in any wrap fee programs. As of December 2022, SW manages approximately $ 169,944,907 in assets on a discretionary basis and did not manage any assets on a non-discretionary basis.