Our Firm’s History EVOadvisers is a registered investment adviser based in Richmond, Virginia. We are organized as a sub-Chapter S corporation under the laws of the Commonwealth of Virginia. EVOadvisers is the result of a 2016 merger between O’Brien Financial Planning, founded in 2006 and Clair Financial Management, founded in 2009. Both predecessor firms were Registered Investment Advisers and provided financial planning and investment advisory services on a fee-only basis. John B. Clair, CFP® and David J. O’Brien, MBA, CFP® are the owners of Evolution Advisers, Inc., doing business as EVOadvisers. In 2017, the firm changed from state to SEC registration. Amount of Assets Under Management As of October 5, 2023, EVOadvisers provided discretionary advice on $186,915,857 of assets under management and 1,762,418 of assets on a non-discretionary basis. Assets of Qualified Plans to which EVOadvisers serves as Investment Manager: $61,355,384. This amount includes the financial assets of clients who engage EVOadvisers for ongoing and continuous advice on their investment portfolios. This amount does not include the financial assets of clients for which investment advisory services are not contracted. Participation in Wrap Fee Programs EVOadvisers no longer offers a wrap fee programs to its clients. A wrap fee program is defined as any advisory program under which a specified fee or fees not based directly upon transactions in a client’s account is charged for investment supervisory services (which may include portfolio management or advice concerning the selection of other investment advisers) and the execution of client transactions. Advisory Programs (Types of Services) Offered EVOadvisers offers two programs to new individual clients of the firm: - The EVOadvisers Financial Planning and Investment Advisory Services Program - The EVOadvisers Qualified Retirement Plan Program Each of these programs is described in further detail in Item 5 (“Fees and Compensation”) of this Brochure. EVOadvisers provides financial planning services as part of the Advisory Programs stated above, excluding the Qualified Retirement Plan Program. EVOadvisers will evaluate publicly traded investments, but primarily recommends exchange traded funds (ETFs), no-load mutual funds or mutual funds that may be purchased at net asset value and without sales charges. EVOadvisers also considers, in providing advice to clients, investments held in 401(k), 403(b) or other qualified retirement plan accounts, and may evaluate the offerings of such retirement plans when constructing an overall investment portfolio for the client. Retirement Rollovers-No Obligation/Conflict of Interest: A client leaving an employer typically has four options (and may engage in a combination of these options): 1) leave the money in his former employer’s plan, if permitted, 2) roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted, 3) rollover to an Individual Retirement Account (IRA), or 4) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). EVOadvisers may recommend an investor roll over plan assets to an IRA managed by EVOadvisers. Since the flat annual fee for the Ongoing Financial Planning and Investment Advisory Program generally includes all investment accounts, EVOadvisers would not earn additional fees from such a recommendation. There are various factors that EVOadvisers may consider before recommending a rollover, including but not limited to: i) the investment options available in the plan versus the investment options available in an IRA, ii) fees and expenses in the plan versus the fees and expenses in an IRA, iii) the services and responsiveness of the plan’s investment professionals versus those of EVOadvisers,

iv) required minimum distributions and age considerations, and vi) employer stock tax consequences, if any. No client is under any obligation to roll over plan assets to an IRA managed by EVOadvisers. Retirement Accounts and ERISA: When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Our Services are Tailored to Meet Client Needs and Any Imposed Investment Restrictions In general, advisory services are tailored to meet the needs of individual clients. For most clients, each investment portfolio is individually designed to meet the client’s investment objectives and generally attempts to follow one of several standard model allocations that EVOadvisers utilizes in client portfolios. Additionally, financial goals planning, estate planning, tax planning, and risk management planning services are generally delivered upon client engagement for such services, with planning issues prioritized and then addressed, either all at one time or over the course of several conferences. As appropriate to each program (except the Financial Plan Development Program), clients are offered a conference with their advisor at least annually (and it is recommended more often) to review any changes to the client’s financial situation, the investment portfolio upon which advice is provided by EVOadvisers, and planning issues. After consultation with their advisor, Clients may impose restrictions on investing in certain securities or types of securities. This most often occurs when clients request certain social investing needs be addressed, such as through the use of mutual funds which avoid investments in certain companies. Other restrictions may be imposed by clients with respect to total annual taxable impact from a portfolio.