Firm Description Veripax Wealth Management (“VWM”) was founded in 2006. As of 12/31/2023, VWM managed $288,484,256 in assets on a discretionary basis and $1,216,853 in assets on a non-discretionary basis for a total of $289,701,109 in assets under management. VWM provides personalized confidential financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Advice is provided through consultation with the client and may include the following: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. VWM is an independent financial planning and investment management firm. The firm does not sell stocks, bonds, mutual funds, limited partnerships, or other commissioned investment products. The firm is not affiliated with entities that sell financial products or securities. Investment advice is an integral part of financial planning. In addition, VWM advises clients regarding cash flow, college planning, retirement planning, tax planning and estate planning. Veripax Wealth Management acknowledges that it is a "fiduciary" when the firm’s services are subject to the provisions of ERISA of 1974, as amended. 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 interest ahead of yours. Investment advice is provided, and trades are executed with discretionary authority following an initial strategy review with the client. VWM does not act as a custodian of client assets. The client always maintains asset control. VWM places trades for clients under a limited power of attorney. In the case of non- traded alternative investments, additional client approvals are required in the form of an investment-specific subscription agreement. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed to the client in the unlikely event they should occur. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Principal Owners Jerry Verseput is VWM’s President and CCO.
Tailored Relationships The goals and objectives for each client are discussed prior to any investment management implementation. Types of Agreements The following agreements define the typical client relationships. Financial Planning Agreement A financial plan is designed to help the client with all aspects of financial planning with or without ongoing investment management after the financial plan is completed. The financial plan

may include, but is not limited to, a net worth statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice and specific recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client unless a separate Investment Advisor Agreement is in place. After delivery of a financial plan, future face-to-face meetings may be scheduled as necessary for up to one month. Investment Advisory Agreement Most clients choose to have VWM manage their assets to obtain ongoing in- depth advice and wealth management. All aspects of the client’s financial affairs are reviewed. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. When investment management services are being provided VWM manages clients’ portfolios on a discretionary basis and will conduct transactions on behalf of clients in their account without obtaining specific client consent beforehand. Assets are invested primarily in a variety of exchange-traded investments, usually through discount brokers or fund companies. Stocks and bonds may be purchased or sold through a brokerage account when appropriate. Investments may also include the following: equities (stocks), warrants, corporate debt securities, certificates of deposit, municipal securities, investment company securities (mutual funds shares), U.S. government securities, options contracts, futures contracts, private equity, private debt, and interests in partnerships. Initial public offerings (IPOs) are not available through VWM. Although the Investment Advisory Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at the client’s discretion. One-time Project Agreement (Portfolio Allocation; 401(k) Allocation) On occasion, clients will require a limited-scope plan that includes only a portion of a comprehensive financial plan. In these instances, a Project Agreement will be prepared that documents the work to be performed and the fee that will be charged. The fee for these projects will be based on the complexity of the work and the time estimated to complete project; however, the fee quoted will be a fixed fee. If during the project the client requests a change in the scope of the project, a revised fee will be provided for mutual agreement. The client must approve the change of scope in advance of the additional work being performed when a fee increase is necessary. Termination of Agreement A Client may terminate any agreement at any time by notifying VWM in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. For investment advisory clients, at termination, fees will be billed on a pro rata basis for the portion of the quarter completed. VWM may terminate any agreement at any time by notifying the client in writing.