SSWM offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to SSWM rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with SSWM setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). SSWM filed for registration as an investment adviser in September 2022 and is owned by Sabrina Lowell. As of December 31, 2023, SSWM had $104,620,700 in assets under management, all of which was managed on a discretionary basis. This Brochure discloses any material conflicts of interest. While this brochure generally describes the business of SSWM, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on SSWM’s behalf and are subject to the Firm’s supervision or control. Financial Planning and Consulting Services SSWM offers clients a broad range of financial planning and consulting services, which include any or all of the following functions:
• Goal Setting
• Cash Flow Forecasting
• Capital Needs Analysis
• Retirement Planning
• Education Planning
• Insurance Planning
• Trust and Estate Planning
• Tax Planning
• Real Estate Planning
• Debt Structuring
• Stock Option and Equity Planning
• Business Planning In performing these services, SSWM is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. SSWM recommends certain clients engage the Firm for additional related services and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage SSWM or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by SSWM under a financial planning or consulting engagement. Clients are under no obligation to act upon the Firm’s recommendations. If the client elects to act on any of the recommendations, the client is under no obligation to affect the transaction through the Firm. Clients are Page | 5 © MarketCounsel 2024 advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising SSWM’s recommendations and/or services. Wealth Management Services SSWM manages client investment portfolios on a discretionary basis. The Wealth Management Services also include a broad range of financial planning and consulting services as described above. SSWM primarily allocates client assets among independent investment managers (“Independent Managers”) and the specific portfolios run by those Independent Managers in accordance with their stated investment objectives. Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Clients can engage SSWM to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, SSWM directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider.

In addition, the Firm will provide clients access to third party applications for periodic or ongoing comprehensive reporting services, which can incorporate all of the client’s investment assets including those investment assets that are not part of the assets managed by the Firm (the “Excluded Assets”). SSWM’s services relative to the Excluded Assets is limited to reporting services only. The client is exclusively responsible for directly implementing any recommendations relative to the Excluded Assets. SSWM tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. SSWM consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify SSWM if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if SSWM determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. SSWM does not participate in any wrap fee programs. Page | 6 © MarketCounsel 2024 Joint Services with Fort Point Capital Partners LLC and Use of Other Independent Managers As mentioned above, SSWM selects certain Independent Managers to actively manage clients’ assets. The Firm entered into a joint services agreement ("Joint Agreement") with clients and Fort Point Capital Partners LLC ("Fort Point"). Fort Point provides the primary investment decisions for the client accounts. Fort Point's services include portfolio construction, monitoring, tax loss harvesting, rebalancing and operational services (i.e., cashiering, account opening/closing paperwork, technology, etc.). SSWM provides services related to suitability of asset allocation, risk tolerance, client relations, financial planning, and other services in accordance with each client’s financial situation and investment objectives. SSWM also maintains the discretion to hire and fire the Independent Managers, including Fort Point, and select specific portfolios for clients at those Independent Managers. The specific terms and conditions under which a client engages Fort Point and the Firm are included in the Joint Agreement. The specific terms and conditions under which client engages other Independent Managers are set forth in a separate written agreement with the designated Independent Manager. That agreement can be between the Firm and/or Fort Point and the Independent Manager (often called a subadvisor) or the client and the Independent Manager (sometimes called a separate account manager). In addition to this brochure, clients will typically also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. SSWM evaluates a variety of information about Independent Managers, which includes the Independent Managers’ public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, the Firm seeks to assess the Independent Managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. SSWM also takes into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. SSWM continues to provide services relative to the discretionary selection of the Independent Managers. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers. SSWM seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests.