INTRODUCTION Crestmont Private Wealth, LLC (hereafter “Crestmont Private Wealth”), is a fee-based investment adviser that offers the following types of advisory services: Financial Planning and Portfolio Management Services. Crestmont Private Wealth was incorporated in 2019. Crestmont was approved as a registered investment advisor in May of 2019. The experience, education, and background of its principals and investment adviser representatives (hereafter “IA Reps”) can be found in the Firms Brochure Supplement document. Crestmont Private Wealth’s is owned by Samuel McGee, CEO, CIO and Chairman of the Investment Committee (hereafter “McGee”). INITIAL CONSULTATION Crestmont Private Wealth will typically begin by providing the Client a free initial consultation. Crestmont Private Wealth uses the initial consultation to:
• Introduce the Client to Crestmont Private Wealth and its services;
• Gather information about the Client’s investment and financial objectives, financial condition, and risk tolerance, which Crestmont Private Wealth uses in forming its investment advice; and
• Deliver Company Brochure (ADV2), Form CRS and Privacy Policy The consultation must be completed before Crestmont Private Wealth will make any specific recommendations about the Client’s asset allocation or securities to buy or sell. Prior to establishing a Client’s account, the Client will sign Crestmont Private Wealth’s Financial Planning and Portfolio Management Agreement, which serves as the contract between the Client and Crestmont Private Wealth, specifying the precise nature of services to be rendered by Crestmont Private Wealth and fees to be paid by the Client. FINANCIAL PLANNING AND PORTFOLIO MANAGEMENT SERVICES The core of every client relationship is Financial Planning. Crestmont Private Wealth makes available ad hoc Financial Planning consultations by phone, video conference, and in person for client households. In addition, Crestmont Private Wealth currently provides access to EMoney, web-based Financial Planning software, Orion, client reporting software, Holistiplan, a tax planning software platform and Orion Hidden Levers, a risk alignment platform, for each client household. The Financial Planning consultations can include but are not limited to overall asset allocation, securities recommendations, insurance needs, mortgage planning, retirement planning, college planning, trust & estate planning, savings, budgeting, and tax planning. It is recommended that each client consult their CPA or estate planning attorney as Crestmont Private Wealth is not a CPA firm or law firm. Crestmont Private Wealth primarily manages Client accounts on a discretionary basis. For discretionary accounts, Crestmont Private Wealth will evaluate the Client’s financial condition and risk tolerance in order to tailor its securities recommendations to meet the Client’s investment objectives and individual needs. On rare occasions, Crestmont Private Wealth will allow the Client to impose restrictions or parameters on investing in certain securities or types of securities. For discretionary accounts, Crestmont Private Wealth will manage them inside of one of eight models, unless otherwise agreed. The models are Near Term Need, Conservative, Moderate, Balanced, Moderate Growth, Growth, Aggressive, and Ultra Page 5 of 22 CRESTMONT PRIVATE WEALTH LLC Aggressive. Each model (except for the Near Term Need model) has a qualified and non-qualified version, depending on the registration of the accounts. As well, Crestmont Private Wealth manages condensed versions of these models (except for the Near Term Need model) for accounts opened under $50,000 in value. If any of these accounts grow over the $50,000 threshold through deposits or market movement, Crestmont Private Wealth will transition the accounts to the standard models on a discretionary basis. Crestmont Private Wealth will manage money actively and dynamically utilizing primarily: mutual funds, exchange-traded funds (ETFs), and exchange listed stocks. However, in rare instances, Crestmont Private Wealth may invest in individual bonds, common stocks, closed-end funds, stock options, Personal Retirement Annuities, or private placements. Given that the market will affect the value of these securities, Crestmont Private Wealth will provide ongoing monitoring of client accounts. Crestmont Private Wealth offers CPW Focus Portfolio (“CPW Focus”), a separately managed account strategy with an investment objective to produce an attractive rate of return from capital appreciation and total return. Crestmont Private Wealth offers CPW Equity Income Portfolio (“CPW Equity Income”), a separately managed account strategy with an investment objective to produce an attractive rate of return from dividends and capital appreciation. Crestmont Private Wealth offers a “Non-Mutual Fund” version of each model portfolio to all clients. This option is for non-US citizens or US citizens living abroad due to the restraints placed by the Custodian on investing in US based mutual funds and may

be selected by clients who wish to minimize any potential transaction costs by mutual funds for rebalancing, buying or selling. Typically, ETFs are transaction cost free on the Schwab custodial platform Crestmont Private Wealth does not provide any “wrap programs” (programs that bundle brokerage and advisory services under a single comprehensive fee). All securities recommended by Crestmont Private Wealth include additional transaction charges by the Client’s broker-dealer/custodian separate and in addition to Crestmont Private Wealth’s advisory fees. DISCRETIONARY PORTFOLIO MANAGEMENT For discretionary accounts, the Client will grant Crestmont Private Wealth limited trading authority (discretionary authority) in the Client’s brokerage account by executing the appropriate documents with the Client’s broker-dealer/custodian. The discretionary authority will allow Crestmont Private Wealth to enter securities transactions on the Client’s behalf, determining which securities and the amount of securities to buy or sell. Clients will be notified of all transactions by trade confirmations from their broker-dealer/custodian and through communication with Crestmont Private Wealth. Clients will provide written authorization to allow Crestmont Private Wealth to automatically deduct its advisory fee from the Client’s account (discussed at greater length in the “FEES AND COMPENSATION” section of this Disclosure Brochure) by signing Crestmont Private Wealth’s Financial Planning and Portfolio Management Agreement; however, Crestmont Private Wealth will not have the authority to make any other withdrawals from the Client’s account(s) under management. Crestmont Private Wealth recommends the Client grant discretionary authority to Crestmont Private Wealth so that it may execute recommendations in a timely fashion, but Clients should always review their brokerage account statements to verify the trading activity and withdrawals that occur in their account(s).
Page 6 of 22 CRESTMONT PRIVATE WEALTH LLC NON-DISCRETIONARY PORTFOLIO MANAGEMENT For certain relationships, Crestmont Private Wealth will have non-discretionary accounts whereby Crestmont Private Wealth will have no discretion or trading authority, no billing, but provide Orion performance reporting at Crestmont Private Wealth’s cost. Crestmont is relieved of any responsibility for the fiduciary oversight or management of any non-discretionary account per the Agreement with the client. These accounts are typically used for cash distributions for retirees, or for concentrated or self- directed positions that the client wishes to maintain oversight on their own. For non-discretionary accounts, clients should contact Schwab directly at 800-435-4000 or use https://www.schwaballiance.com to place orders online. Under rare or extenuating circumstances, and on a best effort basis, Crestmont Private Wealth may provide order assistance with a client on the phone directly with Schwab’s trade desk or through Crestmont. It is understood that in these circumstances Crestmont Private Wealth personnel may not be immediately available during trading hours for non-discretionary accounts and are not responsible for any late or delayed execution. Since Crestmont Private Wealth will recommend all Clients grant it discretionary authority where active money management is advised, Crestmont Private Wealth anticipates very little of its Portfolio Management Services to be rendered on a non-discretionary basis. 401K PLAN SERVICES Crestmont Private Wealth offers services to 401K plan sponsors on a discretionary basis, and in accordance with the objectives specified. Additionally, Crestmont Private Wealth shall make recommendations to the employer or plan sponsor, consistent with the IPS or plan sponsor, as to the diversified menu of investment funds to be offered to Plan Participants covered by the Plan. Crestmont Private Wealth will memorialize the services provided and scope of compensation with an Agreement between Crestmont Private Wealth as advisor to the plan sponsor/employer, in which plan sponsor/employer pays the fee. Services include: Plan design and implementation with a custodian, on-going plan review and analysis, research and evaluation of plan investment choices, annual qualitative and quantitative analysis of investment choices, asset allocation strategies or models that could be life cycle or age-based funds. These services may be modified or revised from time to time, based on the approval of both parties. If Plan Participant(s) wish to engage in a discretionary portfolio management relationship with Crestmont Private Wealth, a separate Financial Planning and Portfolio Management Agreement will be entered into on an individual basis. As of December 31, 2022, Crestmont Private Wealth had $206,346,739 in discretionary and $14,975,555 in non-discretionary assets for a total of $221,322,295 under management.