4 FIRM INFORMATION Calderwood Financial Strategies, Inc. (“Calderwood Financial,” “we,” “us,” “our”), formed in 2013, is a registered investment advisory firm located in Houston, TX. We have been a registered investment advisory firm since 2021. PRINCIPAL OWNERS Calderwood Financial is owned and controlled by Charles Calderwood, its President and Chief Compliance Officer. INVESTMENT ADVISORY SERVICES Asset Management Services: We provide asset management services in which we manage your accounts and provide you with continuous and ongoing supervision of your accounts. Our services provide investment opportunities among stocks, bonds, mutual funds, exchange-traded funds (ETFs), Real Estate Investment Trusts (REITs), and additional securities. Retirement Plan Consulting Services: We provide advisory services to employer-sponsored retirement plans for which it has been specifically engaged as a 3(21) co-fiduciary. Such advisory services can include selection and/or de-selection and replacement of investment options pursuant to mutually agreed upon investment criteria. In choosing and monitoring investment options for employer-sponsored retirement plans, we consider reliable fund companies that have consistent performance and favorable benchmarks. Once a specific fund is identified for possible selection for a particular retirement plan, the final decision for fund selection is made by the plan sponsor. CFS monitors and reviews investments in accordance with the plan’s investment policy statement. CFS will conduct an in-depth review of the Plan’s fund performance and expenses. CFS also provides employee engagement and education, plan design, co-fiduciary oversight, and vendor and plan services analysis. IRA Rollover Considerations/Conflicts of Interest: When recommending an existing or potential client roll over employer sponsored plan assets, or their self-managed IRA, the Firm will make the following disclosures:
• As a fiduciary, CFS will mitigate any conflicts of interest by making sure the best interest of the client is the utmost importance when making recommendations to rollover any employer based plan, not for generating fee based compensation.
• CFS will offer multiple options to clients when recommending rolling over an IRA, such as: 1. leave the money in an employers retirement plan, if permitted; 2. roll over the assets

to their new employer’s plan, if available and permitted; 3. cash out the account value (which could result in adverse tax consequences) 5
• CFS will advise that any recommendation to rollover an IRA or employer based plan may result in additional fees and expenses Third-Party Money Management Services: We can recommend third-party money managers (“TPMMs”) to manage part of the client’s entire portfolio on a discretionary basis for their own TPMM model(s). The TPMM would have non-discretionary basis on trading when CFS custom model(s) are utilized on the TPMM platform. A TPMM will be recommended when the TPMM’s philosophy, investment strategy, and style meet the client's financial situation, investment objectives, and risk tolerance. The asset management services provided by the TPMMs, the compensation to be paid, and other terms of the relationship between the client and the TPMMs will be described in the TPMMs’ disclosure documents and its managed account agreement. ITEM 4 6 CUSTOM INVESTMENT ADVISORY SERVICES AND RESTRICTIONS Calderwood Financial offers the same suite of services to all our clients; however, specific recommendations and their implementation are dependent upon the individual client’s specific needs. These needs are derived from a client’s current financial situation, such as income, net worth, and risk tolerance levels. On a case-by-case basis, our clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent us from properly servicing the client’s account, or if the restrictions would require us to deviate from our standard suite of services, we reserve the right to end the relationship. We may request additional information and documentation, such as current investments, tax returns, insurance policies, and estate plans. We will discuss your investment objectives, needs, and goals, but you should inform us of any changes. Unless directed by you, we do not independently verify any information provided to us by you or your attorney, accountant, or other professionals. WRAP FEE PROGRAMS Calderwood Financial does not participate in, recommend, or offer wrap fee programs. ASSETS UNDER MANAGEMENT As of December 31st, 2023, Calderwood Financial managed $182,519,747.71 on a non- discretionary basis.