4a: Firm Description Wade Financial Advisory, Inc. was established in January 1992 by Rodney D. Wade. Our main office is located in Campbell, California. 4a1: Principal Members Rodney D. Wade, President: Mr. Wade may be contacted by email at rwade@wadefa.com or by telephone at (408) 369-7399. Rachael J. Bellah, Chief Compliance Officer (“CCO”): Mrs. Bellah may be contacted by email at rachael@wadefa.com or by telephone at (408) 369-7399. 4b: Types of Advisory Services Wade Financial Advisory, Inc. offers a variety of investment advisory services to our clients. We work with our clients to identify their investment goals and objectives as well as risk tolerance in order to create a portfolio allocation designed to reflect their financial goals and objectives. Wealth Management and Financial Planning Retainer Services These programs are the core of the Wade Financial Advisory, Inc. asset management system. This combines our investment management and financial planning services. It is designed for individuals, families, trusts, corporations and Qualified and ERISA plans with only owner participants. For ERISA plans, this includes serving as a 3(21) fiduciary providing investment recommendations to the plan sponsor and/or trustee. Wade Financial Advisory, Inc. serves to advise the client on the selection and subsequent performance of investments. We may provide aspects of financial planning, sometimes culminating in a written plan. Philosophy We believe that your wealth management deserves the most diligent and disciplined process possible. Our core methodology is to construct and manage efficient diversified portfolios based upon rigorous proven academic and institutional research that match your financial objectives. Investment Management Services Our investment management services are typically offered as part of our wealth management and financial planning retainer services, but in certain cases, can be offered as a standalone service. It is designed for individuals, families, trusts, corporations and Qualified and ERISA plans with only owner participants. Wade Financial Advisory, Inc. serves to advise the client on the selection and subsequent performance of investments. The investment options within an account may include stocks, bonds, closed end funds, exchange traded funds, exchange traded notes, no-load mutual funds, load-waived mutual funds, separate accounts, LP/LLC interests, money market accounts, and bank deposits. Other investments may be added or removed over time. There may be other legacy assets (previously purchased, such as corporate stock options, real estate, previously purchased investments, etc.) which may not be considered part of the account. Wade Financial Advisory, Inc. may elect not to render investment advice or provide other services with respect to these assets. As part of our investment advisory services, Wade Financial Advisory, Inc. may recommend that the client use the services of a third-party investment adviser to manage a portion or all of your investment portfolio. Factors that we take into consideration when making our recommendation(s) include, but are not limited to, the following: performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. We will monitor performance to ensure its management and investment style remains aligned with your investment goals and objectives. Philosophy The primary benefit of a modeled portfolio is the disciplined investment approach that it brings to a client. The client can select one investment or several investment models ranging from conservative to growth or optionally create a custom model with the Advisor. Financial Planning Services Wade Financial Advisory, Inc. offers financial planning services for clients. Wade may utilize outside consultants to provide a financial plan that considers all of your assets, liabilities, goals and objectives and includes gathering all information necessary to provide you with appropriate and agreed upon services, which may include one or more of the following:  Investment Planning  Investment Policy Statements  Financial Independence  Retirement Planning  Capital Needs Analysis (Goal Funding)  Income Tax Planning  Estate Plan Advising  Education Planning  Risk Management, Employee Benefits and Insurance Reviews  Employee Equity Compensation (Stock Option) Planning  Other Projects (Provided under separate agreements) Financial Planning includes, in all or part, but is not limited to: the preparation of a financial plan by an Investment Advisor or an associated person of an Investment Advisor for an investment advisory client which may include estate or tax planning recommendations, an annual or periodic review of financial plans, the management and/or monitoring of a client's investments under financial plans, a provision of information and/or advice to a client regarding the purchase and/or sale of securities, real estate, insurance contracts, annuities contracts, or any types of real or personal property under financial plans. Qualified and ERISA Plans (Retirement Plans with Non-Owner Participants) This

program is an asset management system designed for qualified plans, individuals and organizations in which client or plan participants self-direct the investment of their funds among specified investment options. Wade Financial Advisory, Inc. advises the client on the selection and reports subsequent performance of investments offered to participants. Participants in this program may choose four or more investment asset classes that will go into the design of three or more uniquely tailored portfolios. The portfolios are determined by asset allocation. The investment options within a Program account may include no-load mutual funds, load-waived mutual funds, exchange traded funds, exchange traded notes, collective trusts, separate accounts, money market accounts, guaranteed investment contracts and stable funds. There may be other assets within the Plan previously purchased (e.g., Plan Sponsor's corporate stock, previously purchased investments, etc.) which are not considered to be part of the Program account. Wade Financial Advisory, Inc. does not render investment advice or provide other services with respect to these assets. At the request of the client, Wade Financial Advisory, Inc. provides general investment educational assistance to participants. This may include suggested portfolio allocations based on investment options and participant general investment objectives. Normally, these would be unique suggestions since the program has carefully predetermined Lifestyle Portfolio Models based on answers to risk tolerance and investment needs profile questionnaires. Wade Financial Advisory, Inc. may also discuss the plan at enrollment meetings for Participants. In certain instances, Wade’s services will include or be limited to the monitoring and reporting of the performance of certain investments in the client’s account(s). Wade, in this capacity, may recommend changes, provide the client with reports or other information, and periodically review the suitability of the investment(s) for the client. The client is free to accept or reject the broker or dealer recommendations provided by Wade. In recommending brokers and dealers, Wade will seek best execution. Wade may, on occasion, recommend that all or a portion of the assets in the client’s account(s) be managed by an outside investment manager or sub-advisor. Fees charged by a sub-advisor will be fully disclosed to the client. In all discretionary client’s account(s), except to the extent the client directs otherwise, Wade is authorized to use its discretion in selecting or changing a sub-advisor and/or outside money manager to the client’s accounts without prior approval from the client. Wade will perform initial and ongoing investment and operational due diligence of these sub-advisors. Furthermore, the outside managers will be evaluated on an initial and ongoing basis. Wade has adopted policies and procedures to comply with the ERISA fiduciary standards when advising retirement asset rollovers, as set forth in the Department of Labor Fiduciary Rule (“DOL PTE”). As prescribed by the DOL PTE clients will receive an investment and fee comparison analysis for approval prior to the investment rollover of retirement assets. Wade will respond to a written request by the client to obtain information required to comply with reporting and disclosure requirements of ERISA within 30 days. Wade will, within 30 days of discovering, correct and disclose to the client any unintentional error or omission made by it. Wade will disclose to the client any change to the information in Wade’s ERISA Plan Clients Agreement within 60 days of learning of the change. Philosophy The primary benefit of a modeled portfolio is the disciplined investment approach that it brings to a client. The client can select one or more of seven investments ranging from very conservative to aggressive growth or optionally direct the fund choices. 4c: Client Tailored Relationships and Restrictions Wade offers both discretionary and nondiscretionary investment advisory services. As a fiduciary, Wade Financial Advisory, Inc. always acts solely in your best interests. Your portfolio is customized based on your investment objectives. You may make requests or make suggestions regarding the investments made in your portfolio. Restrictions on trading which, in our opinion, are not in your best interest cannot be honored and, if forced, may result in the termination of our agreement. Similarly, you are under no obligation to act upon Wade Financial Advisory, Inc.'s or associated person's recommendations. If you elect to act on any of the recommendations, you are under no obligation to affect the transaction through Wade Financial Advisory, Inc. or its associated person when the person is an agent with a licensed broker-dealer or through any associate or affiliate of such person. 4d: Wrap Fee Program Wade Financial Advisory, Inc. does not sponsor nor provide portfolio management services to a wrap fee program. 4e: Assets Under Management (AUM) Wade Financial Advisory, Inc., as of December 31, 2023, has $550,356,851 in discretionary reportable Assets Under Management and $120,266,692 in non-discretionary reportable Assets Under Management for a total of $670,623,543.