A. Description of the Advisory Firm Innovative Wealth Building LLC (hereinafter “IWB”) is a Limited Liability Company organized in the State of Maryland. The firm was formed in March 2021, and the principal owners are Terry Everett Parham, Kennah Parham, Jennifer Hill and Warren Brooks. B. Types of Advisory Services Portfolio Management Services IWB offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. IWB creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client's specific situation. Portfolio management services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring IWB evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. IWB does not exercise discretionary authority in order to select securities and execute transactions without permission from the client. Risk tolerance levels are documented for each client family. IWB seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of IWB’s economic, investment or other financial interests. To meet its fiduciary obligations, IWB attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, IWB’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is IWB’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. Financial Planning & Consulting Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit

planning. Financial consulting services may include, but are not limited to: investment consulting; insurance consulting; tax consulting; retirement consulting; education consulting; and debt/credit consulting. Services Limited to Specific Types of Investments IWB generally limits its investment advice to fixed income securities, insurance products including annuities, equities and ETFs (including ETFs in the gold and precious metal sectors). IWB may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions IWB will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by IWB on behalf of the client. IWB may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent IWB from properly servicing the client account, or if the restrictions would require IWB to deviate from its standard suite of services, IWB reserves the right to end the relationship. D. Wrap Fee Programs IWB acts as portfolio manager for and sponsor of a wrap fee program, which is an investment program where the client pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. However, this brochure describes IWB’s non-wrap fee advisory services; clients utilizing IWB’s wrap fee portfolio management should see IWB’s separate Wrap Fee Program Brochure. IWB manages the investments in the wrap fee program, but does not manage those wrap fee accounts any differently than it would manage non-wrap fee accounts. IWB receives the advisory fee set forth in Item 5 below as a management fee under the wrap fee program. Please also see Item 5 and Item 12 of this brochure. E. Assets Under Management IWB has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 0.00 $ 356,124,188 .00 December 2022