A. Description of the Advisory Firm Accretive Wealth Management, LLC is a Limited Liability Company organized in the state of California. The firm was formed in April 24, 2012, and the principal owner is Faraz Sattar. B. Types of Advisory Services Accretive Wealth Management, LLC (hereinafter “AWM”) offers investment management services to clients. Before a portfolio is constructed for a client, AWM works to discuss with the client’s their investment objectives & goals, timeframe, risk tolerance level, income needs, return expectations, liquidity needs and much more. After listening to the clients, AWM will then recommend an investment portfolio. Investment Advisory Services AWM offers ongoing portfolio management services based on each client’s need. The client discussions aids in the selection of a portfolio that matches each client’s specific situation. Investment Advisory Services include, but are not limited to, the following: - Investment strategy - Personal investment policy - Asset allocation - Asset selection - Risk tolerance - Regular portfolio monitoring - Business succession - Retirement Planning - Education Planning - Risk Management - Gifting AWM evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. AWM will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. Pension Consulting Services AWM uses third party pension administrators for all plans. We use Hicks Pension Services and Retirement Security Advisor Council. AWM offers consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: o identifying investment objectives and restrictions o providing guidance on various assets classes and investment options o recommending money managers to manage plan assets in ways designed to achieve objectives o monitoring performance of money managers and investment options and making recommendations

for changes o recommending other service providers, such as custodians, administrators and broker-dealers These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Selection of Other Advisers AWM may direct clients to third party money managers. Clients will pay a separate fee to the third party money managers. The combined fees of AWM and the third party money managers will not exceed any limit imposed by any regulatory agency. Before selecting other advisers for clients, AWM will always ensure those other advisers are properly licensed or registered as an investment adviser. Services Limited to Specific Types of Investments AWM primarily limits its investment advice to private placements. However, AWM will also provide advice regarding mutual funds, equities, bonds, fixed income, debt securities, ETFs, hedge funds, REITs, insurance products including annuities, and government securities. AWM may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions AWM offers the same suite of services to all of its clients. However, specific client investments and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may not impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. AWM does not participate in any wrap fee programs. E. Amounts Under Management AWM has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 3,001,115.00 $ 229,275,118.00 03/07/2024