FIRM DESCRIPTION Urban Wealth Management, LLC (“UWM”, the “Firm”, or the “Adviser”) was founded in 2012 and became an SEC registered investment advisory firm in 2017. The Adviser provides investment management services and financial planning services to individuals, businesses, and charitable organizations through customized portfolios and separately managed accounts for a fee. The Adviser is a fee-based investment management and financial planning firm. René Nourse is the owner of UWM. Additional information about Ms. Nourse’s background may be found in the accompanying Form ADV Part 2B Brochure Supplement. TYPES OF ADVISORY SERVICES UWM dedicates itself to understanding the intricacies of each client. For all investment advisory and related services described below, we tailor our products in accordance with the client-specific needs obtained from documented discussions, a financial plan and/or risk assessment. Before providing investment advisory services, UWM takes multiple factors into consideration, including, but not limited to, investment objectives, investment horizon, risk tolerance, as well as any reasonable guidelines and restrictions a client may need or impose. On more than an occasional basis, UWM furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, retirement, and estate planning. All assets are managed on a discretionary basis. INVESTMENT MANAGEMENT SERVICES As part of the investment management service, all aspects of the client’s financial affairs are reviewed, realistic and measurable goals are set, and objectives to reach those goals are defined. The investment management service includes analysis of existing portfolio, personalized risk questionnaire and analysis, Investment Policy Statement, asset allocation, research, portfolio construction and monitoring. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The Adviser periodically reviews a client’s financial situation and portfolio through regular contact with the client which often includes an annual meeting with the client. The Adviser makes use of portfolio rebalancing software to maintain client allocations according to the Investment Policy Statement in effect. The scope of work and fees are provided to the client in writing prior to the start of the relationship via the Investment Advisory Services Agreement (the “IMA”). The IMA sets forth the services to be provided, the fees for the service, and the IMA may be terminated by the client or UWM, in writing, at any time. Sub-Advisory Services: UWM offers individually managed funds or separately managed account programs sponsored by various unaffiliated third-party advisers such as AssetMark, Envestnet, or other third-party service providers (“Sub- Advisor”). In third-party separately managed account programs, the program sponsor selects the investments, monitors and evaluates investment performance, executes portfolio transactions without commission charges, and provides custodial services. Where employed, the Adviser will delegate its discretionary investment authority to the Sub-Advisor to research and select and monitor portfolio securities for each client. FINANCIAL PLANNING Financial planning services are comprehensive in scope and require multiple in person and/or virtual meetings to gather information, offer input, review documents, provide written evaluations and recommendations, as well as the preparation and presentation of analytical reports and projections. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations, personal and employee benefits, and other risk protection platforms such as liability coverages, income protection and long term care planning. Additionally, if authorized, it is our intention to communicate and synchronize the planning initiatives with the client’s other professional advisors, including but not limited to, their accountant, attorney, or business manager. We offer a variety of “Get-In-Gear,” or GIG, programs as described in more detail below: The Investment Management GIG: We are here to help you manage your investment portfolio. Your short term and long-term intentions are the core drivers of the investment strategies that we will create, implement, and monitor for you and your family. Before investing, we need to know what your goals, timelines, and objectives are, as well as your risk tolerance level. The Essential GIG: This podium is designed for folks on their initial fundamental path who want to formulate a robust financial life. It’s a perfect fit for those who are fresh out of college, new to the workforce, and/or someone who wants to understand the next best steps for building their wealth in a healthy manner. You will be coached to get you on track to fabricate your financial life. The Deluxe GIG: For those who need complete and overarching financial services, the Deluxe GIG is the perfect fit. This program is aimed at clients who want to create an appropriate process for growing, maintaining, and protecting their wealth. The platform provides a variety of tune-ups, including but not limited to: an overview of employee benefits, confirmation of legacy planning objectives, tax planning advice, and fundamental retirement planning process. The Elite GIG: This customizable program is designed for affluent individuals. Get advice about taxes, insurance and multi-generational estate planning,

and the practices for protecting your wealth. Perhaps you’re a business owner, you’ve inherited significant assets, or own several real estate properties. This program will set you up to make smarter decisions as you support your dreams and family. The Retirement Planning GIG: While it is important to create and sustain financial and wealth management during one’s professional career, it is extremely important to prepare for the “third act” of your life. This platform provides an extensive overview of retirement planning resources, including but not limited to: review and recommendations when applying for Social Security and/or Employer Pension plans, tax planning recommendations, Medicare, and supplement plan requirements. The Check-in GIG: This program is for clients who have completed their one-year retainer with us. Now that your one-year program has ended, you want to stay on track with strengthening your financial objective. We will check in with you quarterly to confirm that you are on track with maintaining and creating the lifestyle you desire and deserve. But, if a life changing event occurs in the meantime, you can connect with us at any time. The Planning Process When the client engages UWM for financial planning services, we require a written financial planning agreement (“FPA”) signed by the client prior to the engagement of services. The FPA outlines the services and fees the clients will incur pursuant to the FPA with UWM. As financial planning is a discovery process, situations occur wherein the client is unaware of certain financial exposures or predicaments. In the event that the client’s situation is substantially different than disclosed at the initial meeting, a revised fee may be assessed pursuant to a revised FPA. The client must approve the change of scope in advance of the additional work being performed when a fee increase is necessary. In addition to our services, the client receives access to the e-Money platform, which allows the client access to a dashboard that provides an overview and insight into the client’s portfolio. The e-Money platform is not traditionally available to retail users, and clients gain access as part of the services we provide. Upon the end of the engaged year-long financial planning service, clients may continue to retain access to the e-Money platform in conjunction with the Investment Management GIG or Check-In GIG on- going service with UWM, which moves to a month-to-month service after the first 12 months. UWM does not require the client use or purchase the investment management services, any of the insurance products, or other products and services offered by the associated persons of the Adviser to engage the Adviser for its financial planning services. There is an inherent conflict of interest for the Adviser whenever a financial plan recommends use of professional investment management services or the purchase of insurance products or other financial products or services. The Adviser or its associated persons may receive compensation for financial planning and the provision of investment management services and/or the sale of insurance and other products and services. The Adviser does not make any representation that these products and services are offered at the lowest available cost and the client may be able to obtain the same products or services at a lower cost from other providers. However, the client is under no obligation to accept any of the recommendations of the Advisor or use the services of the Advisor in particular. ESTATE PLANNING A crucial aspect of securing your financial legacy and ensuring the smooth transition of assets to your loved ones is planning for your estate. Estate planning is a proactive and thoughtful process that involves making important decisions about your assets, healthcare preferences, and the well-being of your family. Whether you are just starting to build your estate or have accumulated substantial wealth, estate planning is essential for everyone. TAILORED RELATIONSHIPS At UWM, we offer the same suite of services to all our clients. The advisory services and recommendations offered by UWM are based on the individual needs of our clients and the suitability of products and services. Specific client financial plans and their implementation are dependent upon the client’s Investment Policy Statement which outlines each client’s current situation (income, objectives, and risk tolerance levels) 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 on investing in certain securities or types of securities in accordance with their values and beliefs. UWM will make every effort to comply with the wishes of the client but cannot guarantee absolute adherence due to our use of indexed products, funds, and exchange traded funds (“ETF”) that are controlled by third-party service providers. WRAP FEE PROGRAMS UWM does not participate in and is not a sponsor of wrap fee programs. Wrap Fee Programs are arrangements between broker-dealers, investment advisers, banks and other financial institutions, and affiliated and unaffiliated investment advisers through which the clients of such firms receive discretionary investment advisory, execution, clearing and custodial services in a “bundled” form. In exchange for these “bundled” services, the clients pay an all-inclusive (or “wrap”) fee determined as a percentage of the assets held in the wrap account. ASSETS UNDER MANAGEMENT When calculating regulatory assets under management, an investment adviser must include the value of any advisory account over which it exercises continuous and regular advisory or management services. As of December 31, 2023, Urban Wealth Management reports $ 188,957,457.00 regulatory assets under management, of which $ 188,957,457.00 was managed on a discretionary basis and $0.00 managed on a non- discretionary basis.