KilterHowling is a Boulder-based investment adviser that was formed under the laws of the State of Colorado and state-registered beginning in 2014. KilterHowling registered with the SEC in March 2020. KilterHowling is owned and managed by Kreighton Bieger and William Stites, each of whom hold a 50% ownership stake in and serve as a Managing Partner of the Firm. Mr. Stites also serves as the Firm’s Chief Compliance Officer. Description of Advisory Services Asset Management We provide professional management of client investment portfolios in accordance with our clients’ needs. We primarily invest client assets in mutual funds and exchange-traded funds (“ETFs”), and to a lesser extent in individual equity securities, bonds and alternative investments, and in accordance with model portfolios which correspond to our clients’ investment objectives and risk tolerance. In some situations, we utilize third-party asset managers. The investment advisory services we offer include the following with respect to clients’ accounts, where appropriate and desired by the client:
• Analysis and review of clients’ current investment assets;
• Assistance in determining investment goals and risk tolerances based on investment experience, expectations and evolving financial needs;
• Development and implementation of an investment plan;
• Monitoring and supervision of investments and recommended possible changes; and
• Providing periodic performance reporting. We need to obtain certain information from our clients to determine their financial situation and investment objectives. Our clients are therefore responsible for notifying us of any updates regarding their financial situation, risk tolerance or investment objective and whether they wish to impose or modify existing investment restrictions; however we will contact our clients at least annually to discuss any changes or updates regarding their financial situation, risk tolerance or investment objectives. Moreover, we very much encourage clients to reach out to us when there are periods of market volatility, changes in their financial life, or for any other reason. We aim to have an open-door policy with regards to meetings, reviews, and discussions about our clients’ financial lives. Clients have the ability to impose reasonable restrictions on the management of their accounts, including the ability to instruct us not to purchase certain securities. Financial Planning For those asset management clients who seek additional guidance, we offer financial planning services at no additional cost to the client. Our financial planning services involve preparing a written financial plan covering specific or multiple topics such as wealth planning, tax and estate

plan coordination, charitable gifting strategies, and diversification planning. When providing financial planning and consulting services, the role of an KilterHowling LLC Page 5 Form ADV Part 2A Disclosure Brochure investment adviser representative is to find ways to help our clients understand their overall financial situation and help set financial objectives. Clients have the sole responsibility for determining whether to implement our financial planning and consulting recommendations. We also offer consultations in order to discuss financial planning issues when a client does not need a written financial plan. These “as-needed” consultations are limited to consultations in response to a particular investment or financial planning issue raised or request made by a client. Under an “as- needed” consultation, it will be incumbent the client to identify those particular issues for which they are seeking our advice or consultation. Retirement Consulting We provide consulting services to participants in retirement plans (401(k) plans, profit sharing plans, etc.). When providing these services, we review clients’ financial situation, goals and objectives as well as the investment options available in the retirement plan. We will review clients’ retirement plan account periodically and will make such recommendations from the list of available investment options in the retirement plan account as are deemed appropriate and consistent with the client’s stated investment objectives and risk tolerance. These services do not constitute asset management services for a client’s retirement plan account; we do not have investment discretion or trading authority over the client’s retirement plan account unless that account is managed by KilterHowling through a self-directed brokerage account. Clients determine whether or not to implement our advice. The implementation of any trades in a client’s retirement plan account is their responsibility. Retirement Plans We offer investment advisory services to participant-directed retirement plans. We are responsible for selecting the investment options offered by the retirement plan and for monitoring the performance of the investment options. Client Assets Managed by KilterHowling As of 12/31/2023/2022, KilterHowling manages $194,630,293 in client assets on a discretionary basis. We also manage $23,891,026 in client assets on a non-discretionary basis. As a courtesy to our clients, we do provide client reporting for additional assets that we do not manage, supervise or charge our clients for.