About Ridgeline Wealth Advisors Ridgeline Wealth Advisors is an investment adviser registered with the States of North Carolina and Texas and is a limited liability company (LLC) formed under the laws of the State of North Carolina. Ridgeline Wealth Advisors became approved as an investment adviser in September 2016. Joshua E. Self is the Managing Member, Chief Compliance Officer (CCO), and 81.8% owner of Ridgeline Wealth Advisors. Full details of the education and business background of Joshua E. Self are provided at Item 19 of this Disclosure Brochure. The investment advisory services of Ridgeline Wealth Advisors are provided to you through an appropriately licensed and qualified individual who is an investment adviser representative of Ridgeline Wealth Advisors (referred to as your investment adviser representative throughout this brochure). At Ridgeline Wealth Advisors, we believe that financial planning is about responsible stewardship of resources, and that values should inform financial decisions. Proper financial planning is about accomplishing goals and bringing success and meaning into your life. Annual coordination of your assets with tax planning is key, as is optimal asset allocation. Partners and Investment Adviser Representatives Joshua E. Self (CRD # 3237214) has been a Managing Partner at Ridgeline Wealth Advisors since 2016 and is currently its Chief Compliance Officer. He graduated with a BS in business administration from The University of North Carolina at Chapel Hill and has been in the insurance and financial advisory sector since 2000. Michael F. Perkins (CRD # 4248817) has been an Investment Adviser Representative at Ridgeline Wealth Advisors since 2016. He graduated with a BS in accounting and business management from North Carolina State University, and has been in the accounting industry since 1975, and insurance and financial advisory sectors since 2001. Client Assets Managed by Ridgeline Wealth Advisors As of December 31, 2023, Ridgeline Wealth Advisors manages $117,692,225 in total assets, all on a discretionary basis. We work with 171 clients, 55 of which are high net worth individuals. Description of Advisory Services at Ridgeline Wealth Advisors What follows are summaries of the primary advisory services offered by Ridgeline Wealth Advisors, LLC. Note that these services—and their detailed terms—can only be provided after both you and Ridgeline Wealth Advisors sign a written agreement. Our services include:
• Asset Management Services
• Financial Planning and Consulting Services
• Retirement Plan Services
• IRA Rollovers Asset Management Services Ridgeline Wealth Advisors, LLC Page 4 Form ADV Part 2A Disclosure Brochure Ridgeline Wealth Advisors can provide your specified accounts with continuous and ongoing supervision, if you appoint Ridgeline Wealth Advisors as your investment adviser of record on specified accounts (collectively, the “Account”). The Account consists only of separate account(s) held by qualified custodian(s) under your name, who maintain physical custody of all funds and securities of the Account. You retain all rights of ownership (e.g., right to withdraw securities or cash, exercise or delegate proxy voting, and receive transaction confirmations). We manage your Account based on your financial situation, investment objectives, and risk tolerance. We actively monitor the Account and provide advice regarding buying, selling, reinvesting or holding securities, cash management or other Account investments. We must obtain certain information to determine your financial situation, investment objectives, and risk tolerance. You are responsible for updating Ridgeline Wealth Advisors about changes to the aforementioned concerns, and whether you wish to impose or modify existing investment restrictions. We will initiate annual contact to discuss changes to your financial situation, risk tolerance or investment objectives, and we are always reasonably available to discuss your Account. You have the ability to impose reasonable restrictions on Account management, e.g. instructing Ridgeline Wealth Advisors not to purchase certain securities. We manage investments for other clients and for ourselves, giving advice or taking actions that differ from advice to you or actions taken on your behalf. We are not obligated to buy, sell or recommend to you any security or other investment that we buy, sell or recommend for any other clients or for our own accounts. Conflicts may arise in the allocation of investment opportunities among managed accounts. We strive to allocate investment opportunities appropriately for your account(s) and other accounts advised by Ridgeline Wealth Advisors to the best interests of all accounts involved. However, we cannot promise to allocate a particular investment opportunity in any particular manner. If we obtain material, non-public information about a security or its issuer that is unlawful to use or disclose, we have no obligation to use or disclose it to any client for their benefit. We have contracted with an unaffiliated firm (Pontera) to allow us to provide an additional service for accounts not directly held in our custody, but where we do have discretion, and may leverage an Order Management System to implement tax-efficient asset location and opportunistic rebalancing strategies on behalf of the client. These are primarily 401(k) accounts and other assets we do not custody. We regularly review the available investment options in these accounts, monitor them, and rebalance and implement our strategies in the same way we do other accounts, though using different tools as necessary. Financial Planning & Consulting Services Ridgeline Wealth Advisors financial planning services involve preparing a written financial plan covering specific or multiple topics. Your investment adviser representative will strive to help you understand your overall financial situation and set financial objectives. Our written financial plans do not include specific recommendations of individual securities. Consultations involve discussing financial planning issues without a written financial plan. A one-time consultation will cover mutually agreed upon areas of concern with investments or financial planning. We do offer limited “as-needed” consultations in response to a particular investment or financial planning issue; you must identify the issues for which you seek our advice. Financial planning and consulting services do not involve implementing any transaction on your behalf or the active and ongoing monitoring or management of your investments or accounts. You are responsible for determining whether to implement our recommendations. If you would like to implement any of our recommendations through Ridgeline Wealth Advisors or retain Ridgeline Wealth Advisors to monitor and manage your investments, you must execute a separate written agreement with Ridgeline Wealth Advisors. Ridgeline Wealth Advisors, LLC Page 5 Form ADV Part 2A Disclosure Brochure Retirement Plan Services We offer retirement plan services to retirement plan sponsors and individual participants with retirement plans. For a corporate sponsor of a retirement plan, our retirement plan services can include, but are not limited to, the following services: Fiduciary Consulting Services
• Investment Policy Statement Preparation: We will help you develop an investment policy statement that establishes the investment policies and objectives for your Plan. You are ultimately responsible to establish such policies and adopt or amend the investment policy statement.
• Non-Discretionary Investment Advice: We will provide you with general, non-discretionary investment advice regarding assets classes and investment options, consistent with your Plan’s investment policy statement.
• Investment Selection Services: Ridgeline Wealth Advisors will provide you with recommendations of investment options consistent with ERISA section 404(c).
• Investment Due Diligence Review: Ridgeline Wealth Advisors will provide you with periodic due diligence reviews of the Plan’s reports, investment options and recommendations—along with reviews of your Plan’s fees and expenses and your plan’s service providers.
• Investment Monitoring: Ridgeline Wealth Advisors will assist in monitoring investment options by preparing periodic investment reports that document performance, consistency of fund management, and adherence to investment policy statement guidelines. Ridgeline Wealth Advisors will make recommendations to maintain or remove and replace investment options.
• Default Investment Alternative Advice: We will provide you with non- discretionary investment advice to assist you with the development of qualified default investment alternative(s) (“QDIA”), as defined in DOL Reg. Section 2550.404c-5(e)(4)(i), for participants who are automatically enrolled in the Plan or who otherwise fail to make an investment election. You will retain the sole responsibility to provide all notices to participants required under ERISA section 404(c)(5).
• Qualifying Asset Allocation Service: We will make available to Plan participants a qualifying asset allocation service and manage Plan participants’ accounts by allocating their assets among the Plan’s Designated Investment Alternatives (“DIAs”). This service is available to all Plan participants, however, each Plan participant will have the option to elect or not elect the Qualifying Asset Allocation Service.
• Individualized Participant Advice: Upon request, we will provide one-on- one advice to Plan participants regarding their individual situations. Items to Note about Fiduciary Consulting Services For Fiduciary Consulting Services, all recommendations of investment options and portfolios will be submitted to you for your ultimate approval or rejection. For retirement plan Fiduciary Consulting Services, the retirement plan sponsor client or the plan participant who elects to implement any recommendations made by us is solely responsible for implementing all transactions. Fiduciary Consulting Services are not management services, and Ridgeline Wealth Advisors does not serve as administrator or trustee of the plan. We do not act as custodian for any client account or have access to client funds or securities (with the exception of some accounts for which we have written authorization from the client to deduct our fees). Ridgeline Wealth Advisors acknowledges that in performing the Fiduciary Consulting Services listed above it acts as a “fiduciary” as such term is defined under Section 3(21)(A)(ii) of Employee Retirement Income Security Act of 1974 (“ERISA”) for purposes of providing non-discretionary investment advice only, and will Ridgeline Wealth Advisors, LLC Page 6 Form ADV Part 2A Disclosure Brochure act in a manner consistent with the requirements of a fiduciary under ERISA if, based upon the facts and circumstances, such services cause Ridgeline Wealth Advisors to be a fiduciary as a matter of law. However, in providing the Fiduciary Consulting Services, Ridgeline Wealth Advisors (a) has no responsibility and will not (i) exercise any discretionary authority or discretionary control respecting management of Client’s retirement plan, (ii) exercise any authority or control respecting management or disposition of assets of Client’s retirement plan, or (iii) have any discretionary authority or discretionary responsibility in the administration of Client’s retirement plan or the interpretation of Client’s retirement plan documents, (b) is not an “investment manager” as defined in Section 3(38) of ERISA and does not have the power to manage, acquire or dispose of any plan assets, and (c) is not the “Administrator” of Client’s retirement plan as defined in ERISA. Fiduciary Management Services
• Discretionary Management Services: We will provide ongoing supervision over designated retirement plan assets and provide advice about buying,

selling, reinvesting or holding securities, cash or other investments. We have discretionary authority to make all decisions to buy, sell or hold securities, cash or other investments for the designated retirement plan assets without first consulting with you, and the authority to carry out these decisions by giving instructions, on your behalf, to brokers and dealers and the qualified custodian(s) of the Plan.
• Discretionary Investment Selection Services: We will monitor the investment options of the Plan and add or remove investment options. Ridgeline Wealth Advisors retains discretionary authority to make all decisions regarding the investment options made available to Plan participants.
• Default Investment Alternative Management: We will develop and actively manage qualified default investment alternative(s) (“QDIA”), as defined in DOL Reg. Section 2550.404c-5(e)(4)(i), for participants who are automatically enrolled in the Plan or who otherwise fail to make an investment election. If you elect to utilize any of our Fiduciary Management Services, Ridgeline Wealth Advisors will act as an Investment Manager to the Plan, as defined by ERISA section 3(38), and acknowledges its fiduciary status. Non-Fiduciary Services An investment adviser is considered a fiduciary under the Investment Advisers Act of 1940 and required to meet the fiduciary duties as defined by the Advisers Act, but these services should not be considered fiduciary services, since the Advisor is not acting as a fiduciary to the Plan as the term “fiduciary” is defined in Section 3(21)(A)(ii) of ERISA. The exact suite of services provided to a client will be listed and detailed in the Qualified Retirement Plan Agreement. Ridgeline Wealth Advisors provides clients with the following Non-Fiduciary Retirement Plan Consulting Services:
• Participant Education: We will provide education to Plan participants about general investment principles and investment alternatives available under the Plan. Our assistance in participant investment education will adhere to DOL Interpretive Bulletin 96-1. Educational presentations will not take into account the individual circumstances of each participant, and individual recommendations will not be provided unless otherwise agreed upon. Plan participants are responsible for implementing transactions in their own accounts.
• Participant Enrollment: We will facilitate group enrollment meetings to increase employee retirement plan participation, and enhance employee understanding of investments and finance.
• Benchmarking: Ridgeline Wealth Advisors will provide Plan benchmarking and analysis. More about Our Non-Fiduciary Services Ridgeline Wealth Advisors, LLC Page 7 Form ADV Part 2A Disclosure Brochure Ridgeline Wealth Advisors can also meet with individual participants to discuss their specific investment risk tolerance, time frame and investment selections. Securities and other types of investments all bear different types and levels of risk. Those risks are typically discussed with clients as qualified plan account policies and objectives are outlined. Upon request, as part of our retirement plan services, we can discuss investments and strategies that we believe can reduce risks for a particular client’s circumstances and plan participants. Clients and plan participants must realize that obtaining higher rates of return on investments entails accepting higher levels of risk. Based on client discussions, we will attempt to identify the balance of risk and reward that is appropriate for the client. The clients are responsible for asking questions to clarify the risks associated with any investment. All plan participants are strongly encouraged to read prospectuses, when applicable, and to ask questions prior to investing. We strive to render our best judgment on your behalf, but Ridgeline Wealth Advisors cannot assure the profitability of investments or that no losses will occur. Past performance is an important consideration with respect to any investment or adviser, but not always an accurate predictor of future performance. We will disclose, to the extent required, any change to the information we are required to disclose under ERISA Regulation Section 2550.408b-2(c)(1)(iv), as soon as practicable, but no later than sixty (60) days from the date on which we are informed of the change—barring extraordinary circumstances beyond our control, in which case it will be disclosed as soon as practicable. In accordance with ERISA Regulation Section 2550.408b-2(c)(vi)(A), we will disclose within thirty (30) days following receipt of a written request from the responsible plan fiduciary or Plan Administrator (unless such disclose is precluded due to extraordinary circumstances beyond our control, in which case the information will be disclosed as soon as practicable) all information related to the Qualified Retirement Plan Agreement and any compensation or fees received in connection with the Agreement that is required for the Plan to comply with the reporting and disclosure requirements of Title 1 of ERISA and the regulations, forms and schedules issued thereunder. If we make an unintentional error or omission in disclosing the information required under ERISA Regulation Section 2550.408b-2(c)(1)(iv) or (vi), we will disclose the correct information as soon as practicable, but no later than thirty (30) days from the date on which we learn of such error or omission. Retirement Plan Rollover Recommendations When Ridgeline Wealth Advisors provides investment advice about your retirement plan account or individual retirement account (“IRA”) including whether to maintain investments and/or proceeds in the retirement plan account, roll over such investment/proceeds from the retirement plan account to a IRA or make a distribution from the retirement plan account, we acknowledge that Ridgeline Wealth Advisors, LLC is a “fiduciary” within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”) as applicable, which are laws governing retirement accounts. The way Ridgeline Wealth Advisors makes money creates conflicts with your interests, so Ridgeline Wealth Advisors operates under a special rule that requires Ridgeline Wealth Advisors to act in your best interest and not put our interest ahead of you. Under this special rule’s provisions, Ridgeline Wealth Advisors must, as a fiduciary to a retirement plan account or IRA under ERISA/IRC:
• Meet a professional standard of care when making investment recommendations (e.g., give prudent advice);
• Never put the financial interests of Ridgeline Wealth Advisors ahead of you when making recommendations (e.g., give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments; Ridgeline Wealth Advisors, LLC Page 8 Form ADV Part 2A Disclosure Brochure
• Follow policies and procedures designed to ensure that Ridgeline Wealth Advisors gives advice that is in your best interest;
• Charge no more than is reasonable for the services of Ridgeline Wealth Advisors; and
• Give Client basic information about conflicts of interest. To the extent we recommend you roll over your account from a current retirement plan account to a individual retirement account managed by Ridgeline Wealth Advisors, please know that Ridgeline Wealth Advisors and our investment adviser representatives have a conflict of interest. We can earn increased investment advisory fees by recommending that you roll over your account at the retirement plan to an IRA managed by Ridgeline Wealth Advisors. We will earn fewer investment advisory fees if you do not roll over the funds in the retirement plan to an IRA managed by Ridgeline Wealth Advisors. Thus, our investment adviser representatives have an economic incentive to recommend a rollover of funds from a retirement plan to an IRA which is a conflict of interest because our recommendation that you open an IRA account to be managed by our firm can be based on our economic incentive and not based exclusively on whether or not moving the IRA to our management program is in your overall best interest. We have taken steps to manage this conflict of interest. We have adopted an impartial conduct standard whereby our investment adviser representatives will (i) provide investment advice to a retirement plan participant regarding a rollover of funds from the retirement plan in accordance with the fiduciary status described below, (ii) not recommend investments which result in Ridgeline Wealth Advisors receiving unreasonable compensation related to the rollover of funds from the retirement plan to an IRA, and (iii) fully disclose compensation received by Ridgeline Wealth Advisors and our supervised persons and any material conflicts of interest related to recommending the rollover of funds from the retirement plan to an IRA and refrain from making any materially misleading statements regarding such rollover. When providing advice to your regarding a retirement plan account or IRA, our investment advisor representatives will act with the care, skill, prudence, and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of a like character and with like aims, based on the investment objectives, risk, tolerance, financial circumstances, and a client’s needs, without regard to the financial or other interests of Ridgeline Wealth Advisors or our affiliated personnel. Administrative Services Provided by Orion Advisor Services, LLC Ridgeline Wealth Advisors has contracted with Orion Advisor Services, LLC (referred to as “Orion”) to utilize its technology platforms to support data reconciliation, performance reporting, fee calculation and billing, client database maintenance, quarterly performance evaluations, and other functions related to the administrative tasks of managing client accounts. Due to this arrangement, Orion will have access to client accounts, but Orion will not serve as an investment adviser to Ridgeline Wealth Advisors clients. Clients will not incur additional fees with the firm’s use of Orion. Ridgeline Wealth Advisors Limits Advice to Certain Types of Investments Ridgeline Wealth Advisors provides investment advice on the following types of investments:
• Mutual Funds Ridgeline Wealth Advisors, LLC Page 9 Form ADV Part 2A Disclosure Brochure
• Exchange-listed Securities
• Securities Traded Over-the-Counter
• Interests in Partnerships Investing in Real Estate
• Interests in Partnerships Investing in Oil and Gas Interests Although we generally provide advice only on these products, we reserve the right to offer advice on any investment product that may be suitable for each client’s specific circumstances and goals. It is not our typical investment strategy to time the market, but we may increase cash holdings modestly as deemed appropriate based on your risk tolerance and our expectations of market behavior. We may modify our investment strategy to accommodate special situations such as low basis stock, stock options, and legacy holdings, inheritances, closely held businesses, collectibles, or special tax situations. Ridgeline Wealth Advisors Tailors Advisory Services to the Individual Needs of Each Client Our advisory services are always provided based on individual needs. For example, when we provide asset management services, you are given the ability to impose restrictions on the accounts we manage for you, including specific investment selections and sectors. We work with you on a one-on-one basis through interviews and questionnaires to determine your investment objectives and suitability. We will not enter into an advisory relationship with a prospective client whose investment objectives are considered incompatible with our investment philosophy or strategies, or where the prospective client seeks to impose unduly restrictive investment guidelines.