A. Firm Information Aspire Planning Associates, Inc. (“APA” or the “Advisor”) is an SEC-registered investment advisor located in the State of California APA is organized as a Corporation under the laws of California. APA was founded in August 2015 and is owned and operated by Evor C. Vattuone (Managing Partner) – 79% and Lloyd S. Yamada (Managing Partner and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by APA. The Advisor serves as a fiduciary to Clients, as defined under applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Our fiduciary commitment is further described in our Code of Ethics. For more information regarding our Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. B. Advisory Services Offered APA offers investment advisory services to individuals, high net worth individuals, trusts and estates, i n the State of California and other states (each referred to as a “Client”). Investment Management Services APA provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. APA works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create an investment strategy. APA will then construct a portfolio, consisting of diversified mutual funds and/or exchange-traded funds (“ETFs”), 3rd party investment strategies and option contracts to achieve the Client’s investment goals. The Advisor may also utilize individual stocks and bonds to meet the needs of its Clients. APA’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re-allocate investments that have been held less than one year to meet the objectives of the Client or due to market conditions. APA will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. APA evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. APA may recommend, on occasion, redistributing investment allocations to diversify the portfolio. APA may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. APA may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. APA will provide investment advisory services and related services. At no time will APA accept or maintain custody of a Client’s funds or securities, except for authorized deduction of the Advisor’s fees. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the Client inv estment advisory agreement. For additional information, please see Item 12 – Brokerage Practices and Item 15 – Custody. Financial Planning and Consulting Services APA will typically provide a variety of financial planning services to Clients, pursuant to a written financial planning or consulting agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals, objectives and financial situation. Page 5 Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including, but not limited to investment planning, retirement planning, tax planning, pers onal savings, education savings, insurance needs and other areas of a Client’s financial situation. A financial plan developed for or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement

savings, establish education savings and/or charitable giving programs. APA may also refer Clients to an accountant, attorney or another specialist, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of agreement date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations may pose a potential conflict between the interests of the Advisor and the interests of the Client. For example, a recommendation to engage the Advisor for investment management services or to increase the level of investment assets with the Advisor would pose a conflict, as it would increase the advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If t he Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction[s] through the Advisor. Advisory Services APA provides an advisory services option that includes both the Financial Planning and Consulting services and Investment Management services under the Advisory Services agreement. Retirement Plan Advisory Services APA provides non-discretionary retirement plan advisory services for retirement plans (each a “Plan”) and the sponsor of the Plan (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include:
•Investment Policy Statement (“IPS”)
•Investment Monitoring
•Performance Reports
•Ongoing Investment Recommendation and Assistance
•ERISA 404I Assistance Pursuant to SEC Regulations, the Advisor, has disclosed all material conflicts of interests that could reasonably be expected to impair the rendering of unbiased and objective advice. Page 6 Use of Independent Managers APA may recommend that a Client utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio. In such instances, the Client may be required to authorize and enter into an advisory agreement wit h the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide investment management and related services. The Advisor may also assist in the development of the initial policy recommendations and managing the ongoing Client relationship. The Advisor will perform initial and ongoing oversight and due diligence over the selected Independent Manager[s] to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. The Client, prior to entering into an agreement with unaffiliated investment manager[s] or investment platform[s], will be provided with the Independent Manager’s Form ADV 2A (or a brochure that makes the appropriate disclosures). C. Client Account Management Prior to engaging APA to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor a nd the Client. These services may include:
•Establishing an Investment Strategy – APA, in connection with the Client, will develop an investment strategy that seeks to achieve the Client’s investment goals and objectives taking into consideration the Clients financial situation, time horizon and tolerance for risk.

•Asset Allocation – APA will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance of risk for each Client.

•Portfolio Construction – APA will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.

•Investment Management and Supervision – APA will provide investment management and ongoing oversight of the Client’s investment portfolio.
D. Wrap Fee Programs APA does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by APA. E. Assets Under Management As of December 31, 2023, APA manages approximately $112,750,000 on a discretionary basis and $0 on a non- discretionary basis. Clients may request more current information at any time by contacting the Advisor.