A. Description of Advisory Firm Steward Advisors, LLC is a fee based financial planning and investment management firm offering advice to individuals, businesses, trusts, estates, charitable organizations, retirement plans, corporations, family offices and other business entities. Founded in 2011, the firm provides planning and advisory services in the areas of securities investments, risk management, budgeting, estate planning, trust planning, retirement planning, college funding and tax counseling. Although the majority of the firm’s business is centered on investment management, financial planning is an integral part of the services provided. It is estimated that 15-20% of the firm’s time is spent on financial planning. The firm is owned 42% by Timothy J. Obendorf, 33% by Michael H. Kwon and 25% by Dale R. Branda. B. Description of Advisory Services Offered The company offers two primary services: 1) Financial Planning and 2) Private Portfolio Management. Financial Planning is offered which covers one or more of the following areas: 1) Goal planning. In an initial meeting with clients, identify and clarify primary financial goals and objectives. Form ADV Part 2A 4 2) Net Worth Statement. Based on data provided by the client, create a statement of assets and liabilities and identify titling. 3) Cash Flow Review. Identify sources of income and current expenses. 4) Tax Planning. Review past tax returns and current cash flow to identify tax planning opportunities. 5) Risk Tolerance Assessment. Using a questionnaire, identify client’s emotional risk tolerance and capacity for volatility of investment returns. 6) Investment Advice. Based on the client’s goals and risk tolerance assessment, determine an asset allocation that provides appropriate return and risk. 7) Risk Management Review. Review client’s existing life, health, long term care and property and casualty insurance to determine adequacy of coverage. 8) Estate Plan Review. Review and diagram existing estate plan (wills & trusts) and identify potential opportunities to reduce estate taxes or streamline the client’s estate distribution. 9) Retirement Planning & Monte Carlo Analysis. Develop a cash flow projection for the client based on their resources and projected expenses. Using Monte Carlo statistical analysis, determine probability of not running out of money in retirement and recommend adjustments to the retirement plan if necessary. 10)

College Planning. Identify the amount of college savings needed, if any, and recommend a plan for achieving amount necessary. Private Portfolio Management is offered to clients with a minimum of $250,000 in investible assets. The minimum portfolio size may be waived by the firm in its sole discretion. The portfolios are generally constructed using exchange traded funds (ETF’s) and mutual funds based on asset allocation models. In addition, we may also recommend that certain eligible clients invest in privately placed securities, which may include debt, equity and/or interests in pooled investment vehicles (e.g., hedge funds). Portfolios are constructed for each client based on these models and taking into account the client’s appetite, financial capacity and need for risk. An investment policy is created for each client, which outlines the target allocation for that client’s portfolio, any client specific restrictions and the benchmark returns against which their portfolio will be compared. On a periodic basis the portfolios are rebalanced to ensure that each client’s assets are allocated according to their investment policy. Each client receives a quarterly performance report in addition to their monthly statements from the custodian. Cash Positions. The firm may maintain cash and cash equivalent positions (such as money market funds or certificates of deposit) for defensive, strategic, or liquidity purposes. Unless otherwise agreed in writing, all cash and cash equivalent positions are included as part of assets under management for purposes of calculating the firm’s investment advisory fee. C. Client Tailored Services and Client Imposed Restrictions The firm provides both discretionary and non-discretionary management of client accounts. Investment advice is tailored to each client’s situation, and for discretionary accounts, investment advice is exercised in a manner consistent with the stated investment objectives for the particular client account. As discussed above, an investment policy is created for each client, which outlines the target allocation for that client’s portfolio and any client specific restrictions. D. Wrap Fee Programs The firm does not offer any wrap fee programs. Form ADV Part 2A 5 E. Client Assets Under Management STEWARD’s Assets Under Management are listed below as of December 31, 20212022: Assets Under Management: $ 114,954,555 Discretionary: $ 111,800,828 Non-Discretionary: $ 3,153,727