Firm Description REDW WEALTH LLC, was founded in 1997 under the original name of Rogoff & Stanley Financial Advisors and is a New Mexico Limited Liability Company. The name was changed to REDW Stanley Financial Advisors, LLC in 2000 when it registered with the Securities and Exchange Commission. In January 2019 REDW Stanley Financial Advisors changed their name to REDW WEALTH LLC. REDW WEALTH LLC provides personalized confidential financial planning, investment and wealth management services to individuals, pension and profit sharing plans, trusts, estates, charitable organizations, small businesses, and Native American tribes. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, estate planning and retirement plan investment services. REDW WEALTH LLC is a fee-based wealth management firm, meaning the only revenue received is that from the client. The firm does not receive commissions for purchasing or selling annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. No finder’s fees are accepted. No soft dollars are accepted from mutual fund companies or other investment product providers. REDW WEALTH LLC receives some economic benefit from discount brokers and custodians in connection with giving advice to clients. Investment advice is an integral part of financial planning. In addition, REDW WEALTH LLC advises clients regarding cash flow, cash management, college planning, retirement planning, insurance planning (although REDW WEALTH does not sell insurance products), tax planning, stock option planning, planning for life changing events, cash needs at death, income needs of surviving dependents, analysis of investment alternatives as well as trust and estate planning. REDW WEALTH LLC manages portfolios and gives investment advice for a fee. REDW WEALTH LLC does not act as a custodian of client assets. Some clients provide us access to their accounts through an account aggregator tool, which gives us custody and is subject to an annual surprise audit. REDW WEALTH LLC generally places trades for clients under a limited power of attorney. Other professionals (e.g., lawyers, other accountants, real estate professionals, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts and potential conflicts of interest will be disclosed to the client in advance of the event they should occur. The initial meeting is free of charge and is considered an exploratory interview to determine the extent to which financial planning, investment management, or wealth management may be beneficial to the client. Principal Owners All members of REDW LLC, the parent company and holding company are equity owners of REDW WEALTH LLC. Control of all policies and procedures related to investments, planning, and management of REDW WEALTH LLC vests with one principal: Paul Madrid, Chief Compliance Officer and Principal in Charge. Types of Advisory Services REDW WEALTH LLC provides investment supervisory services, also known as asset management services; manages investment advisory accounts not involving investment supervisory services; furnishes investment advice through consultations; issues newsletters and special reports about securities and markets in general. Charts, graphs, formulas, or other analysis may be provided to clients for use in evaluating securities or portfolio allocations. These types of information are available to our clients from service providers we use such as Morningstar, YCharts, our custodian Charles Schwab , JP Morgan, as well as various consulting research firms. REDW WEALTH LLC furnishes advice to clients on matters not involving securities, such as wealth management, insurance, financial planning matters, taxation issues and estate planning. Types of Agreements The following agreements define the typical client relationships: Financial Planning/Wealth Management Agreements A financial plan is designed to help the client with all aspects of financial planning with or without ongoing investment management after the financial plan is completed. The financial plan may be detailed or strategic and may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; one or more retirement scenarios; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; estate planning review and recommendations; and education planning with funding recommendations, stock option analysis including tax strategies, and planning or other more specific analysis as requested by the client. Generally, specific investment advice and recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. A separate investment advisory agreement may be agreed upon but is not required in a financial planning engagement. After delivery of a financial plan, future meetings may be scheduled as necessary. Additional fees may apply and are usually billed at normal hourly rates. Monitoring and or implementation of recommendations are considered separate wealth management engagements and a separate engagement letter will be prepared for either a higher negotiated percentage of assets under management, or for a stated flat fee. Fees may be negotiated and are dependent upon the various services requested. Investment Advisory Service Agreement Many financial planning/wealth management clients choose to have REDW WEALTH LLC manage their assets in order to obtain ongoing in-depth investment advice. Realistic and measurable goals are set and objectives to reach those goals are defined in an Investment Policy Statement which is recommended. As goals and objectives change over time, portfolio allocations and specific investment recommendations are made and implemented on an ongoing basis. Investment Policy Statements are updated as needed. Assets are invested primarily in exchange-traded funds and no-load mutual funds at net asset value, usually through discount brokers or fund companies. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Discount brokerages may charge a transaction fee for the purchase of some funds. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U. S. government securities, options contracts, futures contracts, and interests in partnerships. Brokerage firms typically charge commissions and/or transaction fees in connection with securities trading activity. REDW WEALTH LLC does not receive any compensation from fund companies or brokerages. Initial public offerings (IPOs) are generally not available through REDW WEALTH LLC but may be available by individual client requests approved by the Investment Committee, and available from the custodian. The scope of work and fee for an Investment Advisory Service Agreement is provided to the client in writing prior to the start of the relationship in the form of a standard agreement. Terms, other than scope of work and fee, of the standard agreement are not negotiable other than for various Native American Sovereign Nations requiring specific legal language. Although the Investment Advisory Service Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at the client’s discretion. The client or REDW WEALTH LLC may terminate an Agreement by providing five days written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the quarter completed. The portfolio value at the date of termination notification is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. Annual individual federal and state tax preparation work may be performed as part of the Investment Advisory Service Agreement or billed

separately at standard hourly rates, depending upon the level of service chosen and the negotiated fee agreement. Eligible federal and applicable state returns are filed electronically without additional fees. To the extent provided, tax preparation services are rendered in the professional’s separate capacity as a tax preparer, and not in their capacity as a representative of REDW WEALTH LLC. Retainer Agreement In some circumstances, a Flat Fee or Retainer Agreement may be executed in lieu of a standard hourly consulting or percentage or assets engagement when it is more appropriate to work on a fixed-fee basis. The annual fee for this type of arrangement is dependent upon all facts and circumstances and generally is not negotiable. At termination flat fees or retainer agreements will be billed on a prorate basis for the portion of the quarter completed. DST and 1031 Exchange REDW WEALTH LLC provides assistance to clients in research, analysis, and advice on DSTs and 1031 Exchanges. That assistance involves working with all of the various parties engaged in such transactions in order to obtain the best possible offer for the client. REDW WEALTH LLC acts as a fiduciary in all matters pertaining to the sale of these transactions. No commissions or payments are received from any third party as a part of this process. Clients are billed a stated flat fee for our assistance and consultations. Tax Preparation Agreement Tax preparation work may be included in the Wealth Management or Investment Advisory fee arrangement or it may be billed separately at standard hourly rates or a flat fee, depending upon all circumstances and fee negotiations. Separate tax preparation engagement letters will be necessary annually without regard to fee arrangement. Tax preparation work is done in the professional’s separate capacity as a tax preparer and not as a representative of REDW WEALTH, LLC. Hourly Planning/Consulting Engagements REDW WEALTH LLC provides hourly planning and consulting services for clients who need advice on a limited scope of work. The hourly rate for limited scope engagements depends upon the standard billing rate for individuals assigned to an engagement and the skill sets needed. These fees can generally be estimated and included in the limited scope engagement letter. Automated Investment Program We offer an automated investment program through Charles Schwab Institutional Intelligent Portfolios® platform. We are independent of and not owned or affiliated with Charles Schwab. We are solely responsible for the program and the management of the portfolios. We charge a fee for our services described in fees and compensation. We do not pay Charles Schwab Institutional Intelligent Portfolios® a fee for the platform. Tailored Relationships The goals and objectives for each client are documented in our client files or client relationship management system. Investment policy statements are created for asset management and investment consulting clients that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities and may or may not agree to certain documentation requests. It remains REDW WEALTH LLC policy that individual advice and treatment will be accorded to each advisory client. REDW WEALTH LLC strives to ensure equality among clients, however at any given point in time one or more clients may require additional time and attention and may have different fee structures. REDW WEALTH LLC clients are clients of the firm and not the individual advisor. Miscellaneous Disclosures Account Aggregation Platforms. REDW WEALTH LLC can provide clients with access to one or more account aggregation platforms. In addition to allowing for aggregate viewing of account assets managed by REDW WEALTH LLC, these aggregation platforms can also incorporate client investment assets that are not part of the assets that REDW WEALTH LLC manages (the “Excluded Assets”). Unless agreed to otherwise, in writing, the client and/or the client’s other advisors that maintain trading authority, and not REDW WEALTH LLC, shall be exclusively responsible for the investment performance of the Excluded Assets. Furthermore, unless otherwise agreed, in writing, REDW WEALTH LLC does not provide investment management, monitoring or implementation services for the Excluded Assets. The client can engage REDW WEALTH LLC to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Investment Advisory Agreement between REDW WEALTH LLC and the client. If REDW WEALTH LLC is asked to make a recommendation as to any Excluded Assets, the client is absolutely not obligated to accept the recommendation, and REDW WEALTH LLC shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. Retirement Rollovers: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If REDW WEALTH LLC recommends that a client roll over their retirement plan assets into an account to be managed by REDW WEALTH LLC, such a recommendation creates a conflict of interest if REDW WEALTH LLC will earn new (or increase its current) compensation as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by REDW WEALTH LLC. ERISA / IRC Fiduciary Acknowledgment When REDW WEALTH LLC provides investment advice to a client regarding the client’s retirement plan account or individual retirement account, it does so as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. The way REDW WEALTH LLC makes money creates some conflicts with client interests, so REDW WEALTH LLC operates under a special rule that requires it to act in the client’s best interest and not put its interests ahead of the client’s. Under this special rule's provisions, REDW WEALTH LLC must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put its financial interests ahead of the client’s when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that REDW WEALTH LLC gives advice that is in the client’s best interest;
•Charge no more than is reasonable for REDW WEALTH LLC’s services; and
•Give the client basic information about conflicts of interest.
Cash Positions. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), REDW WEALTH LLC may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. All cash positions (money markets, etc.) shall be included as part of assets under management for purposes of calculating REDW WEALTH LLC’s advisory fee. Periods of Portfolio Inactivity. REDW WEALTH LLC has a fiduciary duty to provide services consistent with the client’s best interest. The REDW WEALTH LLC will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when REDW WEALTH LLC determines that changes to a client’s portfolio are neither necessary, nor prudent. Clients remain subject to the fees described below during periods of account inactivity. Assets Under Management As of December 31, 2023, REDW WEALTH LLC manages $1,004,648,408 in assets on a discretionary basis for approximately 439 clients.