GreyCliff Wealth Management, LLC (“GreyCliff”, the “Firm”) has been in business since February of 2020. The firm is owned by Jason Gold, Brian Tirri, and Ina Cohen. GreyCliff serves as an independent and unbiased investment advisor to its clients. As a fiduciary, GreyCliff places client interests at the forefront of all of its efforts. No adviser can guarantee that a client will meet their goals or achieve a given performance target however, GreyCliff strives toward delivering to all clients the benefit of dedicated professionals serving with diligence, professionalism and integrity. Asset Management Generally, each client who engages GreyCliff for asset management services will begin by engaging with GreyCliff professionals in the creation of a written financial plan. GreyCliff believes that thoughtful financial planning can be an effective tool for protecting and accumulating wealth. It can also assist in the planning for special needs for clients, including their businesses and wealth transfer issues. In most cases, the client will supply to GreyCliff information including income, investments, savings, insurance, age and many other items that are helpful to the firm in assessing financial goals. The information is typically provided during personal interviews and supplemented with written information. Once the information is received, GreyCliff will discuss financial needs and goals with the client, and compare the client’s current financial situation with the goals stated. Once these are compared, GreyCliff will create a financial plan to help clients meet their goals. The financial plan addresses the six vital areas of financial planning: Cash Flow Management, Risk Management, Investment Planning, Tax Planning Strategies, Retirement Planning, and Estate Planning. The plan is intended to be a suggested blueprint of how to meet your goals. Not every plan will be the same for every client. Each one is specific to the client who requested it. Because the plan is based on information supplied by the client, it is very important that clients accurately and completely communicate to the firm the information it needs. Also, as circumstances and needs may change, it is very important that clients continually update the firm with any changes so that if the updates require

changes to the financial plan, GreyCliff can make those changes. Otherwise, plans may no longer be accurate. During the planning process, it may be determined that a client would benefit from the expertise of another professional, such as an estate planning attorney or tax advisor. If clients request, GreyCliff may recommend the services of other professionals for implementation purposes. Clients are under no obligation to engage the services of any such recommended professional. Clients retain absolute discretion over all such implementation decisions and are free to accept or reject any recommendation from GreyCliff. If clients engage the services of any professional recommended by GreyCliff, and a dispute arises thereafter relative to such engagement, clients agree to seek recourse exclusively from and against the engaged professional. GreyCliff may receive a fee from professionals recommended by GreyCliff. Receipt of such fees represents a conflict of interest whereas GreyCliff may recommend a professional based on fees received rather than based on client suitability. Such conflict is disclosed to clients before any recommendation is made and clients are reminded, they are free to choose any other professional for implementation purposes. The financial plan will be used to create investment guidelines to which client accounts will be managed. When GreyCliff performs asset management services, GreyCliff will do so on a discretionary basis. This means that while clients will communicate regularly with GreyCliff, GreyCliff will not seek specific approval of changes to client accounts. Clients can always make deposits or withdrawals in their accounts at any time. Clients should be aware that if GreyCliff is managing the client’s assets, they may not be able to place restrictions on the types of investments in an account or portfolio. Because GreyCliff takes discretion when managing accounts, clients engaging the Firm will be asked to execute a Limited Power of Attorney (granting GreyCliff the discretionary authority over the client accounts) as well as an Investment Management Agreement that outlines the responsibilities of both the client and GreyCliff. Assets under Management As of March 26, 2024, GreyCliff manages approximately $75,013,687 all on a discretionary basis.