Moss Adams Wealth Advisors LLC is an independent investment advisory firm registered with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisors Act of 1940. We have provided personal wealth management and financial planning services since 1988. Moss Adams Wealth Advisors is headquartered in Seattle with offices throughout the west coast. We provide a variety of services:  Investment Advisory Services  Custom Fixed Income Management  Financial Planning  Investment Consulting Services Moss Adams Wealth Advisors is a wholly owned subsidiary of Moss Adams Financial Services LLC, which is wholly owned by Moss Adams LLP, a national public accounting and consulting firm. As of December 31, 2023, we were actively managing a total of $3,914,488,888 in client assets. This represents $2,868,464,952 in discretionary client assets and $1,046,023,936 in non-discretionary client assets. Moss Adams Wealth Advisors offers comprehensive wealth management services, including investment advisory services, on a fee basis. Moss Adams Wealth Advisors annual investment advisory fee shall include investment advisory services and to the extent specifically requested by the client, integrated financial planning and consulting services. Before engaging Moss Adams Wealth Advisors to provide investment advisory services, clients are required to enter into an Investment Advisory Agreement that sets forth the terms and conditions of the engagement, including termination, describing the scope of services to provided and the fee that is due. To begin investment advisory services, Moss Adams Wealth Advisors will gather information about your current situation and future goals and needs through discussions and review of provided information. Using goals and objectives determined in this process, we will work with you to develop a personal Investment Policy Statement (IPS). This IPS is then used as a basis for developing and managing your portfolio, along with conversations with you. We will typically manage most advisory accounts with discretion, this allows Moss Adams Wealth Advisors to determine specific individual securities to buy or sell without obtaining prior consent. Based on your needs, portfolios are designed and managed using a mix of investments, including mutual funds, fixed income instruments/bonds, exchange traded funds, third party managers through custodian’s separately managed account (SMA) programs and/or (for accredited investors) private investment funds. Moss Adams Wealth Advisors| 7 Depending on your needs, Moss Adams Wealth Advisors may internally manage your portfolios by allocating some or all of your portfolio assets to our custom fixed income portfolio management strategy for an additional fee, as noted in fees below. The primary objective of the custom fixed income management strategy is current income and capital preservation, with capital appreciation as a secondary objective. Customized target income portfolios and investment solutions help you achieve your cash flow objectives, while providing safety of capital as part of your overall financial plan. Our strategy to accomplish these goals is to select a diversified portfolio of investment grade income securities such as corporate bonds, government agency and US treasury notes, short-term money market securities, and tax-exempt and taxable municipal bonds. Our goal is to create flexibility and manage interest rate volatility by structuring a portfolio with laddered maturities. These guidelines describe our standard approach to fixed income investing, though the structure of your portfolio may vary, depending on your goals and risk tolerance. We also offer customized short-term fixed income management which is a specialized strategy for individuals, businesses and organizations that require short-term liquidity. Moss Adams Wealth Advisors will recommend selected private investment funds for certain high-net- worth clients and for whom such investments are suitable and appropriate. Our role relative to private investment funds shall be limited to initial and ongoing due diligence and investment monitoring services. If a client chooses to become a private fund investor, the client will enter into a separate subscription agreement with the relevant private investment fund(s) and will incur separate fees that vary based upon the specifics of the fund(s). Assets invested in the private fund(s) are included in the calculation of Moss Adams Wealth Advisors’ investment advisory fees; we do not receive any commissions or other forms of remuneration for recommending any investment with a private investment fund. Private funds are recommended only to clients that meet certain investor sophistication standards that are defined in the federal securities laws and regulations and within the issuer’s offering documents. Each fund manager will have a sophistication standard that a client must meet to invest in a fund. Given the illiquid and risky nature of private fund investments, clients who decide to invest into these funds must be willing to commit to a long-term investment and tolerate the high risk associated with investing in them. Additionally, many private funds have high minimum investment amounts (typically between $100,000 and $500,000); therefore, such funds generally are recommended only to clients that have a level of assets that enables them to achieve appropriate diversification within this segment. Risks that are specific to investing in private funds are discussed in detail, among all other risks, in the Investment Risks section of this Brochure. Clients should carefully review disclosure documents related to each private investment they may be considering for important and specific details, including risks, lack of liquidity and fees. Moss Adams Wealth Advisors| 8 Moss Adams Wealth Advisors may utilize the services of third-party investment managers to manage a portion of specific client’s assets. Where third party managers are used, the manager has day to day responsibly for the active discretionary management of the allocated assets. Moss Adams Wealth Advisors will continue to render investment supervisory services to the client relative to ongoing monitoring and review of account performance, asset allocation and client investment objectives ongoing due diligence and continuous portfolio oversight. These arrangements can allow clients to obtain portfolio management services that typically require higher minimum account sizes. The managers will have discretion to determine the securities they buy and sell within the account, subject to reasonable restrictions imposed by the client. Clients should carefully review disclosure documents of each money manager for important and specific program details, including pricing. Third party investment managers provide services for an additional fee, separate and apart from the fees charged by Moss Adams Wealth Advisors. Moss Adams Wealth Advisors provides other more customized strategies including a covered call writing income strategy and a concentrated position collar hedging strategy, depending on your current holdings and needs. Moss Adams Wealth Advisors provides financial planning for high net worth and other individual clients and in some cases, businesses and other organizations. Our financial planning approach focuses on goals, immediate, short term or long term, to provide a framework for your financial decision making. As part of our process, you may engage us in areas of concern such as:  Estate planning and estate goals  Analysis of your current financial situation, including your current asset allocations and holdings  Review current and future cashflows, time horizons for your investments and liquidity needs  Life insurance review and analysis  Development of potential strategic asset allocation strategies Clients can choose

to engage Moss Adams Wealth Advisors to perform standalone financial planning services on a one time or ongoing basis engagement. In most cases, a written financial plan is prepared and provided, although in some cases there is no written comprehensive document. For standalone financial planning and consulting, the fee will generally be based upon the scope of services to be provided. Prior to engagement, clients will enter into a written agreement with terms and conditions set forth and fees to from client. General Information Regarding Planning Please understand your financial plan will not express any form of assurance on the achievability of the projections or reasonableness of the underlying assumptions. You will be responsible for providing current and accurate financial information and communicating to us any significant Moss Adams Wealth Advisors| 9 information that might affect the ultimate realization of the projected results in a timely manner. All reports, financial statement projections and analyses are intended only for the sole purpose of developing and implementing the financial plan. You should not attempt to use such reports to obtain credit or for any purpose other than developing the financial plan. Because events and circumstances frequently do not occur as projected, it is likely there will be variances between projected and actual results that may be material to your planning needs. The suggestions and recommendations included in financial planning will be advisory in nature, and we will not guarantee the performance of any investment or insurance product which may be purchased to implement the recommendations in a plan. The plan will likely include financial projections based on assumptions about future events and we will not vouch for the achievability of such projections as the assumptions about future events may prove to be inaccurate. The assumptions are made with the understanding they are sound and reasonable. You are under no obligation to act upon the written recommendations; however, if you do act on any of the recommendations, please also understand you are under no obligation to obtain services recommended through Moss Adams Wealth Advisors or its affiliates. We do suggest that investment recommendations developed as part of the financial plan be implemented by registered investment advisors or other properly licensed investment professionals adhering to fiduciary best practices. We are not responsible for the success or failure of any specific investment or investment strategy recommended by other advisors. Please note, Moss Adams Wealth Advisors does not serve as an attorney, accountant, or insurance agent and no portion of our services should be construed as such. If engaged in an investment consulting role, Moss Adams Wealth Advisors will act as the facilitator of your investment management process rather than manage the funds directly. In a written agreement, we will detail the actual services to be provided and the fees charged in conjunction with such services. These services can include, but are not limited to:  In depth analysis of current financial situation, which includes a review of investment objectives, risk tolerances, financial goals and current investment strategy  Development of mission statement and investment objectives  Determination of risk tolerance levels and time horizons  Review of cash flow and liquidity needs  Development of a comprehensive Investment Policy Statement (IPS) that provides structure and guidance for investment decisions  Development of strategic asset allocation models, including a rebalancing strategy  Investment manager due diligence, fee negotiation, selection, monitoring and replacement recommendations  Review of custodial platforms and/or existing advisor or broker accounts and their respective expense controls  Performance evaluation and benchmark review Moss Adams Wealth Advisors| 10  Development of strategies to address significant gain positions, concentrated positions and restricted assets  Report fiduciary data and educate your plan trustees on report interpretation (institutional clients)  Educate the Investment Committee and Board on UPMIFA and its fiduciary responsibilities with regards to the organization’s investment assets (not-for-profit clients)  Consolidated reporting General Information Regarding Investment Consulting Services Our investment consulting services are designed to supplement your own planning analysis and aid you in fulfilling your personal and/or business financial goals and objectives. Any analysis provided will rely upon individual representations and financial information provided by you regarding your existing investments. We will not guarantee the achievability of the projections in the report or reasonableness of the underlying performance or assumptions. You are responsible for providing current and accurate financial information and communicating to us any significant information that might affect the achievability of the projected results. Under this type of engagement, we will not monitor portfolios or the status of your actions regarding these reports between requests. In performing investment consulting services, please understand that we intend to consult on these assets; however, we will not be responsible for the actions taken (or not taken) by you or any agent you chose to act on your behalf. Our services are not designed to be, and should not be relied upon as, a substitute for individual business judgment, nor are they meant to mitigate the necessity of personal review and analysis of a particular investment. In addition, these services are not designed to discover fraud, irregularities or misrepresentations made in materials provided to us concerning potential investments or insurance coverage. Moss Adams Wealth Advisors does not provide accounting, estate documentation preparation, trustee services, insurance implementation or tax preparation services. If a client requests this type of assistance, Moss Adams may recommend other professionals to deliver these services. Clients are under no obligation to follow Moss Adams’ recommendations or to engage the services of any of these professionals. If a client does engage any of these recommended professionals, and a dispute occurs, the client agrees to seek recourse exclusively from the professional they have directly engaged. 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): 1. Leave the money in the former employer’s plan, if permitted, 2. Roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, 3. Roll over to an Individual Retirement Account (“IRA”), or 4. Cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). When we recommend that you rollover retirement assets or transfer existing retirement assets (such as a 401(k) or an IRA) to our management, we have a conflict of interest. This is because we will Moss Adams Wealth Advisors| 11 generally earn additional revenue when we manage more assets. In making the recommendation, however, we do so only after determining that the recommendation is in your best interest. Further, in making any recommendation to transfer or rollover retirement assets, we do so as a “fiduciary,” as that term is defined in ERISA or the Internal Revenue Code, or both. We also acknowledge we are a fiduciary under ERISA or the Internal Revenue Code with respect to our ongoing investment advisory recommendations and discretionary asset management services, as described in the advisory agreement we execute with you. To the extent we provide non-fiduciary services to you, those will be described in the advisory agreement.