Cassady Schiller Wealth Management (“CSWM”) has been in business since 2004. In February 2017, CSA Financial Advisors, LTD changed its name to Cassady Schiller Wealth Management, LLC. In May 2024, the accounting partners created Bulls Not Bearrs LLC, which is now the majority owner of CSWM. The principal owners of CSWM are now Michael Clark, James McGrath, and Bulls Not Bearrs LLC. Cassady Schiller Wealth Management offers the following services: INVESTMENT MANAGEMENT SERVICES Cassady Schiller Wealth Management manages investment portfolios for individuals, qualified retirement plans, trusts and small businesses. Cassady Schiller Wealth Management will work with a client to determine the client’s investment objectives and investor risk profile. Cassady Schiller Wealth Management will then evaluate the existing portfolio and develop a plan to transition the client to the desired portfolio. Cassady Schiller Wealth Management uses investment and portfolio allocation software to evaluate alternative portfolio designs. Cassady Schiller Wealth Management will then regularly monitor the client’s portfolio holdings and the overall asset allocation strategy and hold review meetings with the client regarding the account as necessary. Cassady Schiller Wealth Management will typically create a portfolio of no-load mutual funds and exchange traded funds (“ETF’s”) and may use model portfolios if the models match the client’s investment objectives and risk tolerance. Cassady Schiller Wealth Management will allocate the client’s assets among various investments taking into consideration the overall management style selected by the client. Cassady Schiller Wealth Management primarily recommends portfolios consisting of a combination of “passively” and “actively” managed mutual funds and ETF’s. Where appropriate, we may use individual stocks and bonds, alternative investment strategies and certificates of deposit. Cassady Schiller Wealth Management will request discretionary authority from investment clients in order to select securities and execute transactions without permission from the client prior to each transaction. Cassady Schiller Wealth Management will often recommend an investor roll over plan assets to an IRA, due to there usually being a wider array of investment options available and lower cost options. However, there is a potential conflict of interest because Cassady Schiller Wealth Management would earn a fee based on the value of the IRA account under management. In contrast, if a client or prospective client left his or her plan assets with his/her former employer or roll the assets to a plan sponsored by a new employer there would be no compensation to Cassady Schiller Wealth Management. On an ongoing basis, Cassady Schiller Wealth Management will answer clients’ inquiries regarding their accounts and periodically review with clients the performance of their accounts. Cassady Schiller Wealth Management will periodically, and at least annually, review clients’ investment strategy, risk profile and discuss the re-balancing of each client’s accounts to the extent appropriate. In addition to managing the client’s investment portfolio, Cassady Schiller Wealth Management will offer to consult with clients on applicable financial areas including, but not limited to income and estate tax planning, business sale structures, college financial planning, retirement planning, insurance analysis, personal cash flow analysis, establishment and design of retirement plans and trust designs. SELECTION OF OTHER ADVISERS/THIRD PARTY MANAGER SERVICES Cassady Schiller Wealth Management may direct clients to an unaffiliated third-party investment adviser. Before selecting other advisers for clients, Cassady Schiller Wealth Management will verify that all recommended advisers are properly licensed, notice filed, or exempt in the states where Cassady Schiller Wealth Management is recommending the adviser to clients. A complete description of the services provided, the amount of total

fees, the payment structure, termination provisions and other aspects of the third-party advisor’s advisory business are detailed and disclosed in i) the third-party advisor’s applicable disclosure documents; ii) the disclosure documents of the portfolio manager(s) selected; or, iii) the third-party advisor’s account opening documents. A copy of all relevant disclosure documents of the third-party advisor and of the individual portfolio manager(s) will be provided to anyone interested in these programs/managers. RETIREMENT PLANS AND PLAN PARTICIPANTS Cassady Schiller Wealth Management provides advisory services to participant-directed employee retirement benefit plans. Cassady Schiller Wealth Management will analyze the plan’s current investment platform and assist the plan in creating an investment policy statement defining the types of investments to be offered and the restrictions that may be imposed. Cassady Schiller Wealth Management will recommend investment options to achieve the plan’s objectives, provide participant education meetings, and monitor the performance of the plan’s investment vehicles. Cassady Schiller Wealth Management will recommend changes in the plan’s investment vehicles as may be appropriate from time to time. Cassady Schiller Wealth Management generally will review the plan’s investment vehicles and investment strategy as necessary. FINANCIAL PLANNING SERVICES Cassady Schiller Wealth Management may provide advice in the form of a Financial Plan. Clients will receive a written financial plan, providing recommendations tailored to their stated financial goals and objectives. In general, the financial plan will address any or all of the following areas:
• PERSONAL: Family records, budgeting, personal liability, estate information and financial goals.
• EDUCATION: Education IRAs, financial aid, state savings plans, grants and general development of an education plan.
• TAXES & CASH FLOW: Income tax and spending analysis and planning for past, current and future years. Cassady Schiller Wealth Management may illustrate the impact of various investments and recommendations on a client’s current income tax and future tax liability.
• DEATH & DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning review and disability income analysis.
• RETIREMENT: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals.
• INVESTMENTS: Analysis of investment alternatives and their effect on the portfolio. Cassady Schiller Wealth Management gathers required information through in-depth personal interviews. Information gathered includes a client’s current financial status, future goals, and attitudes towards risk. Related documents supplied by the client are carefully reviewed and a written report is typically prepared. A client is under no obligation to act on Cassady Schiller Wealth Management’s financial planning recommendations. Should a client choose to implement the recommendations in the plan, they are under no obligation to implement the financial plan through any of Cassady Schiller Wealth Management’s services. Cassady Schiller Wealth Management suggests the client work closely with his/her attorney, accountant or insurance agent. Implementation of financial plan recommendations is entirely at the client’s discretion. Cassady Schiller Wealth Management does not serve as an attorney, accountant or insurance agency. To the extent requested by a client, we may recommend the services of other professionals. If a client engages any recommended professional and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. ASSETS UNDER MANAGEMENT As of December 31, 2023, Cassady Schiller Wealth Management managed $517,413,598 wherein $478,881,460 on a discretionary basis and $38,532,138 on a non-discretionary basis. In addition, we also had $19,243,062 in assets under advisement.