Red Tortoise, LLC (hereinafter “Red Tortoise,” “we,” “our” or the “firm”) is a registered investment advisor based in Atlanta, Georgia. We are a limited liability company under the laws of the State of Georgia. We have been providing investment advisory services since 2016. Red Tortoise LLC is solely owned by three individuals who are all officers or employees of Red Tortoise. Red Tortoise CEO and Manager Rex Phillip Macey owns the majority interest. William G. (Bill) McVay is our Chief Compliance Officer. You may see the term Associated Person throughout this Brochure. As used in this Brochure, this term refers to anyone from our firm who is an officer, employee, and all individuals providing investment advice on behalf of our firm. Where required, such persons are properly registered as investment adviser representatives. Currently, we offer the following investment advisory services, personalized to each client:
• Investment Advisory Services
• Wealth Management Services
• Financial Planning Services
• Investment Consulting Services Investment Advisory Services Our firm offers discretionary investment advisory services to our clients. Discretionary investment advisory services means we will make investment decisions and place buy or sell orders in your account without contacting you. These decisions are made based on your stated investment objectives. Clients may limit our discretionary authority by, for example, setting a limit on the type of securities that can be purchased for their account. Simply provide us with your restrictions or guidelines in writing. In very limited circumstances, at our sole discretion, we may agree to manage assets on a non- discretionary basis. If you enter into non-discretionary arrangements with our firm, we must obtain your approval prior to executing any transactions on behalf of your account. You have an unrestricted right to decline to implement any advice provided by our firm on a non-discretionary basis. Our investment advice is tailored to meet our clients’ needs and investment objectives. If you decide to hire our firm to manage your portfolio, we will meet with you to gather your financial information, discuss your goals, and decide how much risk you should take in your investments. The information we gather will help us implement an asset allocation strategy that will be specific to your goals, whether we are actively investing for you or simply providing you with advice. Red Tortoise primarily invests client assets in equity securities, mutual funds, exchange traded funds, U.S. government bonds, municipal bonds, certificates of deposit, and options. However we construct your investment portfolio, we will monitor your portfolio’s performance on a continuous basis, and rebalance the portfolio whenever necessary, as changes occur in market conditions, your financial circumstances, or both. Wealth Management Services Red Tortoise provides wealth management services tailored to your circumstances including the following:
• Investment Advisory Services – Investment Advisory Services as described in the previous section AND one or more of the following services
• Financial Planning – Assist you with establishing and quantifying goals and objectives. When engaged to do so this will include preparing financial projections and models to help assess progress toward stated goals. When engaged to provide financial planning we will include planning related to retirement, debt financing, charitable giving, major asset purchases or liquidations, and significant life events.
• Estate Planning – Review of current and proposed estate planning documents to assess consistency with your goals and objectives. Prepare financial projections to evaluate alternative estate planning strategies. Serve as an advocate for you in interactions with your legal and tax advisors. Prepare illustrations of the flow of assets. Red Tortoise is not a law firm and does not provide legal advice. The estate planning services that we provide, while confidential, do not carry with them the same legal protections afforded as part of a lawyer-client relationship. These include the protections and confidences of an attorney- client relationship and prohibitions against representation of persons with conflicting interests. We recommend you consult a lawyer if you want legal advice.
• Financial Reporting – Prepare and update a family personal financial statement on a periodic basis with information provided by you.
• Financial Organization – Organize important financial and legal information in collaboration with you.
• Bill Pay – Facilitate certain payments from your accounts.
• Tax Coordination – Facilitate income tax payments and the dissemination of tax information to your tax advisors. Introduce tax planning opportunities that may arise and become known to us.
• Insurance Coordination – When engaged to provide insurance coordination we will review of property and casualty, life and other insurance coverages with your insurance advisor(s).
• Consolidated Reporting Services – Provide customized investment reporting for assets you may hold at multiple

custodians.
• Education – When you engage us to provide education, we lead one on one and group learning sessions for family members.
• Family Meeting Facilitation – Assist with establishing a meeting agenda, goals, and norms and facilitating discussion for family meetings. Our advice is based on your financial situation and the information you provide to our firm. If your financial situation, goals, objectives, or needs change, you must notify us promptly. Financial Planning Services Red Tortoise provides financial planning services separately to select clients. We spend time asking questions, gathering information, discussing your financial circumstances, and identifying goals and objectives. We develop a written plan or, in some cases, multiple plans depending on your needs and provide a web portal and software for clients to collaborate with us on their needs. We usually make recommendations to you as to how you might allocate your investment portfolio to achieve the goals set in a plan. You may also separately retain Red Tortoise to manage all or portions of your portfolio. You can regularly track your portfolio in your financial planning portal. Plans may not necessarily be written documents. You may retain Red Tortoise on a single project after which Red Tortoise has no obligation to update the plan or you may retain the firm on an ongoing basis during which we will seek to update your financial plan on a regular, at least annually, basis. Financial planning generally includes advice that addresses one or more areas of your financial situation, such as estate planning, risk management, budgeting, and cash flow controls, retirement planning, education funding, and investment portfolio design. Depending on your particular situation, financial planning may include some or all of the following:
• Gathering factual information concerning your personal and financial situation;
• Assisting you in establishing financial goals and objectives;
• Analyzing your present situation and anticipated future activities in light of your financial goals and objectives;
• Identifying problems foreseen in the accomplishment of these financial goals and objectives and offering alternative solutions to the problems;
• Making recommendations to help achieve retirement plan goals and objectives;
• Designing an investment portfolio to help meet your goals and objectives;
• Providing estate planning;
• Assessing risk and reviewing basic life, health, and disability insurance needs; or
• Reviewing goals and objectives and measuring progress toward these goals. You are under no obligation to act upon any of the recommendations made by Red Tortoise under a financial planning engagement and/or engage the services of any recommended professional. If you engage any professional (i.e., attorney, accountant, insurance agent, etc.), recommended or otherwise, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from the engaged professional. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, etc.), and not Red Tortoise, shall be responsible for the quality and competency of the services provided. Investment Consulting Services Red Tortoise provides investment planning services, including tax planning, estate planning, retirement planning, education planning, and personal budgeting and cash flow analysis. Red Tortoise strives to achieve your long-term financial goals by implementing an investment planning process that, depending on the engagement, will include one or more of the following steps:
• Assessment of your present financial situation by collecting information regarding net worth and cash flow statements, tax returns, investment portfolios, pension plans, employee benefit statements, etc.
• Identification of your financial and personal goals and objectives. Goals or objectives may include financing a child’s college education or retirement planning. The identified goals or objectives are specific, realistic, and measurable. All goals include time horizons.
• Resolution of finance related problems.
• Plan Design. A written investment plan is prepared that includes recommendations and solutions.
• Implementation of the investment plan. Once the investment plan is finalized, the recommendations and solutions are executed to reach the desired goals and objectives.
• Evaluation of the investment plan is conducted periodically. You will be required to pay an additional fee to exercise this option. Our advice is based on your financial situation and the information you provide to the firm. If your financial situation, goals, objectives, or needs change, you must notify us promptly. You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so either through our firm or by using the advisory/brokerage firm of your choice. Assets Under Management As of December 29, 2023, we had discretionary assets under management of $355,862,747 and non- discretionary assets under management of $1,595,846 for a total of $357,458,593 in Regulatory Assets Under Management.