About the Firm SkyOak Wealth, LLC, a Michigan Limited Liability Company, (sometimes “SkyOak,” the “Firm,” or “Advisor”) is a licensed investment advisor. We offer wealth management, investment management, comprehensive financial planning, retirement plan advisory, financial consultation and family office services to our clients through our advisory representatives. SkyOak Wealth, LLC is owned by Brandt Holdings Corp, Agility Partners, Inc., Simmons Holdings Corp., Gill Advisory Services, LLC and the Kenneth G. Brandt Revocable Living Trust. Jeremy Brandt is the sole owner of Brandt Holdings Corp. Michael Ashker (51%) and Kathryne A. Jobson (49%) own Agility Partners, Inc. Craig Simmons is the sole owner of Simmons Holdings Corp. Kenneth Brandt’s ownership in SkyOak Wealth is held through the Kenneth G. Brandt Revocable Living Trust and D. Bradley Gill’s ownership in SkyOak is through Gill Advisory Services, LLC. As wealth management advisors, we provide a range of investment and planning solutions for individuals, families, corporations, retirement funds, endowments and foundations. Our services are described in greater detail below. Investment Management Services Our investment management services are customized to each client based on their financial circumstances, current and future income needs, investment objectives and risk profiles. At the onset of a new client relationship, a member (or members) of our team will meet with you to discuss your financial situation, review your investment holdings and gather pertinent information about your circumstances. Based upon a review of this data and after understanding your financial goals and needs, we will recommend an appropriate investment and asset allocation strategy for your investment portfolio. Our interactions with you will be ongoing and will include topics such as your current and changing income or spending needs, current and future lifestyle changes or expectations, your risk tolerance, your family situation, work-related expectations and other factors affecting your financial life situation. Our investment management services include our providing you with discretionary investment models and strategies that are consistent with your stated investment objectives. We will manage, monitor, rebalance and re-allocate your investments on an ongoing basis in accordance with your objectives. We will conduct investment reviews with you to evaluate investment performance and to update your financial circumstances as necessary. These investment reviews will generally run on an annual basis, but the frequency can differ based on client preference. You may impose restrictions on your investments in certain securities or certain types of securities. Our investment management accounts are managed on a discretionary basis in accordance with their objectives. Specific securities that are bought and sold, as well as dollar values and diversification, are determined by us in each of the investment model portfolios that we manage. Each client will typically end up with their own customized mix of a blended portfolio. As of December 31, 2023, we have 496,890,801 of discretionary assets under management and $130,572 of non-discretionary assets under management. We have an additional $40,182,826 of assets under administration. Our total assets under management and administration are $537,204,199. Comprehensive Financial Planning and Financial Consultation Services Central to our client engagement process, SkyOak provides comprehensive financial planning services and/or project-based financial consultation services. While our planning services are typically integrated into a client’s overall advisory service and included in our management fee, we also provide similar planning-based services for a flat fee or on an hourly fee basis. Unless provided in connection with the investment management services described above, clients engaging SkyOak to provide financial planning or consultation services will generally be required to enter into a separate written agreement with SkyOak

setting forth the terms and conditions of the planning engagement and describing the scope of the services to be provided. Financial planning/ consultation clients are not required to become investment management clients of the Firm. The Firm’s financial planning/financial consultation-only clients are responsible for implementing their own investment activities which may be based on recommendations made by SkyOak. Planning-only clients retain absolute discretion over all their own implementation decisions. These clients remain free to accept or reject any of the firm’s recommendations. SkyOak may recommend its own investment management services or those of its professional staff or other professionals to implement recommendations. Financial planning and consultation clients are notified and advised that a potential conflict of interest does exist if the Firm recommends its own investment management services to implement financial plan recommendations. Moreover, if a client elects to act on any of the recommendations, the client is under no obligation to affect the transactions through SkyOak as the investment advisor. Personal Wealth Manager Services & Family Office Services At the heart of any wealth management or family office is investment management and oversight. However, as a personal wealth manager or family office client, we will also assist you with additional services such as philanthropic management, estate and wealth transfer, life management and budgeting, risk management, asset protection and insurance services. Corporate Retirement Services SkyOak and several of its advisors specialize in designing, implementing and managing corporate retirement plans. Depending on your situation, a SkyOak advisor will consult with you, provide education and information to you and recommend what they believe will best serve the needs of your organization (I.E. finding the best plan(s) and platform for you and/or your company). SkyOak may be engaged as a 3(21) non-discretionary or 3(38) discretionary fiduciary advisor. SkyOak will often collaborate with other providers such as record-keepers and third-party administrators in order to provide all necessary elements of a more integrated solution and services to its corporate retirement clients. Other Information Related to our Advisory Services In performing its services, SkyOak relies upon the information received from its client or from their professional legal and accounting advisors and is not able nor required to independently verify such information. Clients must promptly notify us of any material changes in their financial situation or shift in their investment objectives that would necessitate a review or revision by our advisors of the client’s portfolio and/or financial plan. As an investment advisory firm, we act as a fiduciary to our clients, meaning we owe them a duty and obligation to put their needs ahead of our own. To the extent any client is a retirement plan or other employee benefit plan subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and depending on the investment management services provided by us, the Firm may be considered an ERISA Fiduciary. We do not sponsor or provide portfolio management services to wrap fee programs offered by broker- dealers or others. Termination Either party may terminate services by providing thirty business days’ written notice. The Firm does not assess any fees related to a termination but is entitled to all management fees earned up to the date of termination. Any earned fees owed to SkyOak will be collected and billed against the client’s account on a pro-rata basis as determined by the amount of time remaining in the calendar quarter. Clients who terminate within five business days of entering into a written advisory agreement are entitled to a full refund of any pre-paid fees. Any transaction costs charged by the executing broker or custodian for establishing the custodial account or for trades occurring during those five days are non- refundable.