Firm Description Rock Creek Wealth Planners and Advisors, LLC (“Rock Creek”) was founded in 2018. Lewis Baker is 100% owner. Types of Advisory Services Offered We offer the following investment advisory services. ASSET MANAGEMENT Rock Creek offers discretionary and non-discretionary asset management services to advisory Clients. Rock Creek offers Clients ongoing asset management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. We ask Clients to grant Rock Creek discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. When the Client provides Rock Creek discretionary authority the Client will sign a limited trading authorization or equivalent. Rock Creek will have the authority to execute transactions in the account without seeking Client approval on each transaction. When the Client elects to use Rock Creek on a non-discretionary basis, Rock Creek will recommend the securities to be bought or sold and the amount of the securities to be bought or sold, and Rock Creek will obtain prior Client approval on each and every transaction before executing any transaction. When deemed appropriate for the Client, Rock Creek may hire Sub-advisors to manage all or a portion of the assets in the Client account. Rock Creek has full discretion to hire and fire Sub- advisors as they deem suitable. Sub-advisors will maintain the models or investment strategies agreed upon between Sub-advisor and Rock Creek. Sub-advisors execute all trades on behalf of Rock Creek in Client accounts. Rock Creek will be responsible for

the overall direct relationship with the Client. Rock Creek retains the authority to terminate the Sub-advisor relationship at Rock Creek’s discretion. FINANCIAL PLANNING AND CONSULTING Rock Creek provides financial planning and consulting services. This service provides a review of applicable topics as requested by the Client, including but not limited to, the financial aspects of planning and implementing Wills, Estate Plans and Trusts, Investments, Taxes, Qualified Plans, Insurance, Retirement Income, Social Security, Business Exit and Succession Planning, Divorce Planning, and College Planning will be reviewed. Rock Creek is not a law firm or accounting firm and does not provide legal or tax advice. If a conflict of interest exists between the interests of Rock Creek and the interests of the Client, the Client is under no obligation to act upon Rock Creek’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through Rock Creek or its representatives. Financial plans will be offered on an ongoing basis and will remain in effect until canceled in writing by either party by giving the other party thirty (30) day written notice. Tailored Advisory Services Rock Creek tailors its services to the individual needs of Clients. The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Wrap-Fee Program Rock Creek does not sponsor or participate in any wrap fee programs. Assets Under Management As of December 31, 2023, Rock Creek has approximately $50,100,000 in discretionary assets under management.