A. Description of the Advisory Firm B. Types of Advisory Services platforms in any way and receive no compensation from them for using their platform. A link will be provided to the client allowing them to connect an account(s) to one or both of the platforms. Once client account(s) is connected to the platform, BWCM will review the current account allocations. ByAllAccounts is used for non-discretionary management, meaning we can recommend trades to the client, but the client bears the responsibility of performing the trades. FeeX is used for discretionary management, where BWCM, when deemed necessary, will rebalance the account considering client investment goals, risk tolerance, and current economic and market trends. BWCM may use DPL Financial Partners, LLC (“DPL”) for insurance product analysis and recommendations. The client is under no obligation to use DPL's service, and may seek insurance advice from any licensed agent. The insurance products and lower-cost fee structures available from DPL may differ from those available from other third-party insurance agents. BWCM does NOT receive compensation for insurance products selected by the client, whether secured through DPL or any other agent. Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. In offering financial planning, a conflict exists between the interests of the investment adviser and the interests of the client. The client is under no obligation to act upon the investment adviser’s recommendation, and, if the client elects to act on any of the recommendations, the client is under no obligation to affect the transaction through the investment adviser. This statement is required by California Code of Regulations, 10 CCR Section 260.235.2. Subscription Service BWCM has a subscription service where clients can pay $25/month to have ongoing access to their online financial plan. The fee also covers any data updates. It does not cover ongoing advice. Services Limited to Specific Types

of Investments BWCM generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, hedge funds, 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, although BWCM primarily recommends portfolio of ETFs and mutual funds. BWCM may use other securities as well to help diversify a portfolio when applicable. BWCM will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by BWCM on behalf of the client. BWCM may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. 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 BWCM from properly servicing the client account, or if the restrictions would require BWCM to significantly deviate from its standard suite of services, BWCM reserves the right to end the relationship. 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. BWCM does NOT participate in any wrap fee programs. BWCM has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 125,931,990 $ 2,078,429 April 5, 2024 Lower fees for comparable services may be available from other sources. Portfolio Management Fees Total Assets Under Management Annual Fees $0 - $1,000,000 0.80% $1,000,001 - $3,000,000 0.65% $3,000,001 - $5,000,000 0.50% $5,000,001 - $10,000,000 0.30% $10,000,001 - And Up 0.15% C. Client Tailored Services and Client Imposed Restrictions D. Wrap Fee Programs E. Assets Under Management