Advisory Firm Siligmueller & Norvid Wealth Advisors LLC (SNWA) provides Financial Planning and Investment Advisory services principally to individuals who have $1,000,000 or more of investment assets (see item 6 below). The firm started as Siligmueller Financial Management LLC in 1998. As of December 31, 2022, SNWA has approximately $235 million of assets under advisement and 94 clients. We are a fiduciary and as such have an affirmative duty of care, loyalty, honesty and to act in good faith for the best interests of clients. Financial Planning Services SNWA takes a comprehensive approach to addressing clients’ financial planning needs. An initial interview and data gathering is undertaken to determine the client's financial situation, investment goals, and to understand the client’s view on risk and management of the portfolio. A formal personal financial plan is developed (if requested) utilizing a third-party software package to prepare the report. The report will include multi-year cash flow projections with “Monte Carlo” or stochastic modeling. The plan is updated for changed circumstances, upon request, or generally on an annual basis. Financial planning services are only provided to clients who also utilize investment advisor services. Investment Advisor Services SNWA’s develops and implements a client specific investment plan for investments held in all their taxable and tax deferred accounts. It is based on our understanding of their financial goals and specific circumstances. The plan will recommend a strategic asset allocation investment strategy, specific investments to hold in each account (see types of investments below) and whether existing securities should be held or sold (taking into account tax and other consequences). An ongoing discretionary investment advisory service, where purchases or sales of securities are done without advance client approval, is employed. Quarterly reports are sent to the client that consolidate all associated individual accounts into one report which recaps holdings, investment return, index returns and portfolio transactions (see item #12 below). Clients may call or e-mail at any time during normal business hours to discuss directly with the advisor their accounts, financial situation, or investment needs. When requested we facilitate the opening of new brokerage accounts at Charles Schwab & Co (see # 12 below) and the transfer of existing holdings from clients’ current firm or broker. Types of Investments

(see item 8 below) Each client typically holds an investment portfolio which consists mainly of stock and bond mutual funds and ETFs (Exchange Traded Funds) as well as cash/money market funds. Mutual funds and ETFs are bought without the client paying a commission (or load) but a minor transaction fee may be charged by custodian (see Item 5 below). Mutual fund and ETF holdings are registered investment companies (RIC’s) under the Investment Company Act of 1940 and usually are open-end funds but also may hold closed end or UIT products. Mutual funds and ETFs can be either actively or passively (track an investment index) managed. Mutual funds and ETFs with lower cost or low relative expense mutual funds are usually held. Some holdings may be in mutual funds that are only available to investors working with an investment advisor or broker (an Institutional investor). Bond holdings may include a combination of bond mutual funds and individual bonds (TIPs, corporate or municipal bonds, C.D.’s,). The mix recommended depends on SNWA view of the risk/return relationship for the various fixed income investment options. Structured notes, a hybrid security, may occasionally be held. Portfolios may also include individual equity securities, but usually these are part of clients’ investment holdings prior to becoming a client of SNWA (see item 8 below). Insurance products such as annuities and various types of life insurance products may be evaluated. Recommendations may be made for clients to invest in low-cost, no-load (no commission) variable or fixed deferred or immediate annuities when appropriate to the circumstances and tax situation of the client. More often, this occurs when a client possesses an existing high-cost variable annuity, and a rollover of the annuity is indicated rather than redemption for tax planning purposes, to seek to lower the total fees and costs paid by the client and/or provide different investment choices. At times clients may be advised to retain an existing annuity, previously purchased by the client, or undertake partial or full surrenders of same (and/or tax-free exchanges), following an evaluation of the annuity contract, riders there to, investment alternatives within the annuity and their fees and costs, including any surrender fees which may be imposed by the insurance company. SNWA generally does not recommend or utilize private equity placements, hedge funds, real estate partnerships or index linked annuities due to illiquidity concerns.