Firm Description Regency Capital Management Inc. (“RCM,” “we,” “us,” or “Firm”) is an investment adviser with a principal place of business in Honolulu, Hawaii and Bainbridge Island, Washington. The Firm began operations January 4, 2021. The Firm is owned by Regency Acquisitions LLC, a holding company owned by Neil Rose. Advisory Services The Firm offers discretionary investment management services to individual and institutional clients (“clients”). Clients include high net worth individuals, Trusts, profit-sharing and pension plans, including those clients subject to the Employee Retirement and Income Security Act (“ERISA”), taxable and tax-exempt institutions, and individuals not classified as “high net worth.” We manage client funds on a separate account basis, through a bank or brokerage of their choosing and our acceptance. We seek clients with $1 million or more to invest (or subject to a minimum annual fee), although we may make exceptions at our discretion. We manage investments for our clients on a model and/or bespoke basis and across different general investment strategies, depending on clients’ needs. Through initial meetings where clients’ financial circumstances, objectives, and risk and other parameters are discussed and noted, we develop an investment policy with stated investment strategies, asset allocation parameters, restrictions, distribution and cash flow schedules, and other inputs. As we are sincere in our effort to customize solutions tailored to clients’ needs and personal values, we advise and allow clients to place specific and reasonable trade restrictions in portfolios. Our investment advice is performed on a discretionary basis and with the following security types:
• Common and preferred U.S. and non-U.S. stocks
• Exchange traded funds (ETFs) and exchange traded notes (ETNs)
• U.S. government securities
• Corporate debt securities
• Mutual fund shares
• Foreign debt securities
• Foreign currencies
• Warrants
• Option contracts
• Certificates of deposit
• Municipal securities The types and amounts of securities held in client accounts depend on (1) the client’s expressed investment objectives, risks tolerances, constraints, and wishes; and (2) our judgements about each investment’s risk and return potential, both individually and in the context of a diversified portfolio. Model Strategy Offerings Managed Portfolios We offer model portfolio strategies with various asset allocation policies and risk/reward objectives. Managed Portfolios offer the highest level of active management and discretion (asset allocation

and security selection), with the broad range of security choices, to manage risk and generate returns. Model/Strategy Name Description & Benchmark Date of Inception Stock Portfolio All-stock investing; Benchmark: S&P 500 1/4/2021 Global Stock Portfolio Global all-stock investing; Benchmark: MSCI ACWI 1/4/2021 Balanced + Diversified (B+D) Asset allocation and diversification-focused; Benchmark: 60% MSCI ACWI/40% Barclays U.S. Aggregate Bond Index 1/4/2021 All-Weather Absolute Return (AWAR) Tactical and thematic asset allocation with a capital preservation focus; Benchmark: Absolute-Return 1/4/2021 IncomePlus (IP) Fixed income with ability to invest up to 20% in equities and other asset types; Benchmark: Barclays U.S. Aggregate Bond Index 1/4/2021 Cash Management (CM) Liquidity management; minimal credit risk 1/4/2021 ETF Portfolios We will also offer ETF-versions of the strategies listed above with similar descriptions and benchmarks. An overlay of client customization needs can be added to any model portfolio above. Regency Capital Management Fund L.P. We serve as investment manager to a private investment fund, Regency Capital Management Fund L.P., a Delaware limited partnership (the “Fund”). The Fund’s general partner is Regency Long Term LLC, a Delaware limited liability company managed and controlled by Neil Rose. The Fund is offered and operated as to comply with the exemptions from registration under Section 3(c)(1) or Section 3(c)7 of the Investment Company Act of 1940, as amended. References to the Fund in this Brochure include only the Fund and not the Fund’s investors or clients of Regency Capital Management Inc. A more complete description of the Fund can be found in its private placement memorandum, as updated and amended. Wealth Management and Consulting Services We encourage advisory clients to use their adviser for comprehensive financial planning (Rational Wealth Management) and problem solving (consulting), including business consulting, project and investment evaluations, strategic planning, and family governance support. Our fees for consulting services in addition to our wealth management services are negotiable as the scope and duration of work would need to be ascertained and agreed upon by the client. Our hourly rates range from $100 to $1,000 depending on the nature of the work and Firm personnel involved. Assets Under Management As of December 31, 2023, the Firm’s assets under management were approximately $279 million.