MWM is a Fee-Only registered investment advisory firm with a fiduciary responsibility to its clients. MWM is owned by David Mattern and Kyle J. Cross, and has been providing advisory services since June 2019. As of December 31, 2023, MWM has $474,293,428 in discretionary assets and $7,317,368 in non-discretionary assets, for a total of $481,610,796 in regulatory assets under management to report. MWM offers a variety of advisory services, which include investment and wealth management, financial planning, and consulting services. Prior to MWM rendering any of the foregoing services, clients are required to enter into one or more written agreements with MWM setting forth the relevant terms and conditions of the advisory relationship (the ‘Advisory Agreement’). MWM manages investment portfolios for individuals, high net worth individuals, trusts, businesses, and corporations. MWM will collaborate with a client to determine the client's investment objectives and investor risk profile. These investment objectives may be set forth in a written Investment Policy Statement (IPS) that describes an asset allocation that conforms to a client’s risk tolerance level and expected rate of return requirements. Investment and portfolio allocation software is used to evaluate alternative portfolio designs. MWM evaluates clients’ existing investments with respect to their IPS and works with new clients to develop a plan to transition from a client’s existing portfolio to the portfolio recommended by MWM. MWM then continuously monitors clients’ portfolio holdings and holds regular review meetings with clients regarding their accounts, as necessary. MWM will utilize the financial information provided by the client to analyze and develop strategies and solutions to assist the client in meeting their financial goals. MWM will allocate a client’s assets among various investments taking into consideration the client’s unique ability, need, and willingness to take risk. Investment and Wealth Management Services MWM manages portfolios on a discretionary and, in very limited circumstances, non-discretionary basis. MWM may also provide its clients with a broad range of services, as described in more detail below. MWM advises its clients by delivering tailored wealth management services and solutions. These services are based on a comprehensive understanding of each client’s current situation, past experiences, and future goals. With this acquired knowledge MWM will create, analyze, strategize, and implement goal-oriented investment solutions. These solutions become our client’s investment policy. This policy and our matched strategies are designed to be risk appropriate, cost effective and tax efficient. MWM provides clients with wealth management services which generally include a broad range of comprehensive financial planning and consulting services, as well as discretionary and/or, in very limited circumstances, non-discretionary management of investment portfolios. MWM primarily allocates client assets among individual equities, debt securities, exchange-traded funds ("ETFs"), and institutional mutual funds, including mutual funds offered by Dimensional Fund Advisors (“DFA”), in accordance with the client's stated investment objective and risk/volatility parameter. DFA sponsored mutual funds follow a passive asset class investment philosophy with low holdings turnover. DFA funds are generally only available through registered investment advisers approved by DFA. If you terminate our services to you and self-manage your account(s) or transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds will generally apply. MWM may also occasionally recommend clients allocate a certain portion of their assets to independent investment managers ("Independent Managers"). Where appropriate, MWM may also provide advice about many types of legacy positions or other investments held in client portfolios or outside accounts. Clients may engage MWM to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts (to the extent permissible without an insurance license) and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, MWM will direct or make recommendations on a non-discretionary basis for the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or custodian for the plan trustee or administrator and clients retain responsibility for effecting trades in these accounts. MWM tailors its advisory services to meet the needs of its individual clients and seeks to manage client portfolios in a manner consistent with the client's investment objective and risk tolerance parameter. MWM consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify MWM if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients may impose reasonable restrictions or mandates on the management of their accounts if MWM determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm's management efforts. To the extent a client decides to invest with an Independent Manager or in a particular fund, those managers and funds will have their own investment practices. Those investment practices are described in each managers’ Form ADV or fund’s prospectus, or in its offering or other disclosure documents. In addition, selected money managers or funds typically have discretion to determine the type and amount of securities to be purchased or sold for the client for that portion of the client’s assets managed by the money manager or fund. Employee Retirement Income Security Act Retirement Plan Advisory Services For employer-sponsored retirement plans with participant-directed investments, our firm provides its advisory services as an investment advisor as defined under Section 3(21) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). When serving as an ERISA 3(21) investment advisor, the Plan Sponsor and Mattern Wealth Management share fiduciary responsibility. The plan sponsor retains ultimate decision-making authority for the investments and may accept or reject the recommendations in accordance with the terms of a separate ERISA 3(21) Investment Advisor Agreement

between Mattern Wealth Management and the plan sponsor. Mattern Wealth Management may provide the following services to the Plan Sponsor:
• Screen investments and make recommendations.
• Monitor the investments and suggests replacement investments when appropriate.
• Plan cost comparison and evaluate fees paid by the employer for the plan.
• May assist the plan sponsor in developing an Investment Policy Statement (“IPS”).
• Annual education for employees either through on-site or via web conference by request. We can also be engaged to provide financial education to Plan participants. The scope of education provided to participants will not constitute “investment advice” within the meaning of ERISA and participant education will relate to general principles for investing and information about the investment options currently in the Plan. We may also participate in initial enrollment meetings and periodic workshops and enrollment meetings for new participants. Independent Managers As mentioned above, MWM may select certain Independent Managers to actively manage a portion of its clients' assets. Pursuant to the terms of the investment advisory agreement, MWM shall have the discretion to appoint and terminate these third-party advisers. The specific terms and conditions under which a client engages an Independent Manager may also be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure, clients will also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. MWM evaluates a variety of information about Independent Managers, which may include the Independent Managers' public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, MWM seeks to assess the Independent Managers' investment strategies, past performance and risk results in relation to its clients' individual portfolio allocations and risk exposure. MWM also takes into consideration each Independent Manager's management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. MWM continues to provide services relative to the discretionary or non-discretionary selection of the Independent Managers. On an ongoing basis, MWM monitors the performance of those accounts being managed by Independent Managers. MWM seeks to ensure the Independent Managers' strategies and target allocations remain aligned with its clients' investment objectives and overall best interests. Financial Planning and Consulting Services MWM starts with an extensive review of a client's family situation which includes assets and liabilities as well as estate, tax, and insurance needs. The Firm then employs a risk tolerance and risk capacity-focused simulation to get a detailed cash flow analysis and proposed asset allocation. Together, this information is analyzed to develop a proposed financial plan, which is designed to be dynamic in nature, ever-evolving due to life changes resulting from changes in cash flow needs, risk tolerance, time horizon, or investment objectives. MWM’s financial planning and consulting services may include any or all of the following functions: Business Planning Liability Management Cash Flow Forecasting Risk Management Trust and Estate Planning Charitable Planning Financial Planning Distribution Planning Investment Consulting Tax Planning Insurance Planning Retirement Plan Consulting While each of these services is available on a stand-alone basis, certain of them may also be rendered in conjunction with investment portfolio management services, as part of a comprehensive wealth management engagement (described in more detail below). In performing these services, MWM is not required to verify any information received from the client or from the client's other professionals (e.g., attorneys, accountants, etc.), and is expressly authorized to rely on such information. MWM may recommend clients engage the firm for additional related services, or we may recommend other professionals to implement recommendations made by MWM. Such additional services by MWM or another professional will be provided for additional compensation, commensurate with the nature, extent, complexity, and other characteristics of such services. Clients are advised that a conflict of interest exists because the firm will have an incentive to recommend such additional services based on the compensation to be received, rather than solely based on the client's needs, and in some cases, based on the prospect of cross-referrals of advisory clients from the other professional or his or her firm. MWM also provides advice in the form of financial consultations. This hourly service consists of consultations based on specific investment and financial concerns of the client. Consulting services may include, for example, assistance with establishing and implementing a retirement plan, preparation or review of an investment policy statement, the compilation of reports on various investment accounts, and asset allocation recommendations. The scope and depth of the consultation varies depending on the client's particular circumstances and needs. MWM provides financial planning and consulting services to non-advisory clients for a fixed fee or hourly fee. Clients are under no obligation to act upon any recommendations made by MWM under a financial planning or consulting engagement or to engage the services of a third-party professional. Clients retain the absolute right to decide whether or not to act on such recommendations, and if they choose to act on such recommendations, whether to engage the Firm or such professional for such services or to engage another investment adviser or professional of their choosing, which may charge less (or more) for such services. Should a client choose to implement the recommendations contained in the plan, MWM suggests the client work closely with his/her attorney, accountant and/or insurance agent. Implementation of financial plan recommendations is entirely at the client's discretion. Financial planning recommendations are of a generic nature and are not limited to any specific product or service offered by a broker dealer or insurance company. No Legal, Accounting or Tax Advice. MWM will act solely in its capacity as a registered investment advisor and does not provide any legal, accounting or tax advice. Client should seek the counsel of a qualified accountant and/or attorney when necessary. MWM may assist clients with tax harvesting, and we will work with a client’s tax specialist to answer any questions related to the client’s portfolio account.