Upper Left Wealth Management, LLC Upper Left Wealth Management, LLC (“ULWM” and or “the firm”) is a registered investment advisor based in Tampa, Florida. The firm was formed in 2017 as a Limited Liability Company (LLC) under the laws of the state of Illinois. ULWM is an investment advisory business that offers clients financial planning and portfolio management services for its clients (“Clients”). ULWM is owned by Randy Kurtz. Anthony Wall is a Director at ULWM. As used in the brochure, the words “we”, “our”, and “us” refer to ULWM, and the words “you”, “your”, “their”, “her”, and “client” refer to you either as a client or prospective client of our firm. Advisory Services Offered ULWM is a registered investment advisor specializing in low-cost, tax-efficient passive and index portfolio management. Our core financial advisory services include financial planning, portfolio design, periodic reviews, rebalancing, tax-loss harvesting, estate planning and ongoing financial advisory support and portfolio supervision. Our investment strategy is based on many decades of academic research that demonstrates the long-term drivers of expected portfolio performance and the benefits of diversification. Advisory accounts will primarily be held at Charles Schwab & Co., Inc. (“Schwab”). The client must designate ULWM as its Investment Advisor on their accounts. The client’s qualified Custodian will maintain actual custody of all client funds and securities. As a Fiduciary, we place our clients’ interests above our own. If conflicts of interest arise, as they occasionally do in any financial business, we follow established policies to ensure our clients’ best interests are our top priority. Throughout this brochure we will note circumstances under which conflicts of interest occur. Investment Management Strategies ULWM offers a discretionary portfolio management services based on Modern Portfolio Theory (MPT), and we only offer three portfolios. Our first portfolio is called Conservative Portfolio, and it is intended for short term and conservative holdings and needs. Our second portfolio is called Core Portfolio, and it is our interpretation of the tangency portfolio. Our third portfolio is called Aggressive Portfolio, and it is our attempt to garner a higher rate of return for a given unit of risk. Based upon an investor’s unique needs, liquidity needs, time horizon, goals, risk tolerances and asset size, we allocate their assets among the three portfolios. When creating portfolios, we believe in a following a rigorous process, rather than just guessing. We believe in allocating amongst countries using factors such as size, valuation, volatility and correlation. Financial Planning Services ULWM offers financial planning services to all clients. Financial planning includes cash flow forecasting, Monte Carlo

simulation analysis, IRA withdrawal strategies, social security planning, legacy planning, tax management and forecasting and much more. Financial planning is offered to clients at no additional charge. Management and Implementation of 401(K) Plans ULWM manages and implements 401(K) plans for a variety of small and medium sized businesses. Fees for 401K plans will be negotiated in partnership with outside, non-associated firms for recordkeeping and third-party administration services. Generally, the all-in fees for 401(K) plans which Upper Left Wealth Management helps to establish or improve will be 1.00% annually or less and Upper Left Wealth's fee will be a portion of this total fee, not in addition to it. Types of Clients: ULWM’s qualified plan services are geared toward small and medium sized businesses with 401(K) retirement plans. ULWM works with service partners including Vanguard Retirement Plan Access and plan sponsors to develop appropriate 401(K) options. 401(K) accounts are custodied with Vanguard and Paychex. Investment Discretion: ULWM does NOT have investment discretion on 401(K) accounts. ULWM does recommend the investment options available for 401(K) plans, which includes the default investment option. Our Mission ULWM is built on the cornerstones of client trust and a strategy that aims to deliver long-term financial results. Our mission is to deliver unbiased analysis and advice, low-cost investment strategies tailored to personal goals, and excellent service. We place a high value on transparency and objectivity and operate according to fiduciary principles in our clients’ best interests. We do not sell products or receive commissions of any kind. We seek long-term relationships as we help clients achieve their financial goals. Client-Tailored Services and Client-Imposed Restrictions ULWM tailors its financial advisor service to the individual needs of each Client. Accounts for Clients (“Client Accounts” or “Accounts”) are opened and maintained according to the Agreement which describes the discretionary authority that Clients grant to ULWM to manage the client’s account(s). To tailor our financial advisor services to each client, ULWM asks each prospective client a series of questions concerning their needs, liquidity needs, time horizon, goals, risk tolerances and asset size. While we do not allow clients to impose investment restrictions, we do tailor the allocation of the three strategies to each client. Wrap Fee Programs The firm does not participate in wrap fee programs. (Wrap fee programs offer services for one all- inclusive fee.) Client Assets Under Management As disclosed in ULWM’s Form ADV Part 1, ULWM manages approximately $101,593,295 of discretionary assets and $430,643 of non-discretionary assets as of 12/31/2022.