A. Advisor Background FMB Wealth Management (“FMBWM”) was founded in 1994 as Fields Financial Associates and incorporated as Fields Financial Associates, Inc. in 2001. An amendment was filed in 2008 changing the name of the corporation to FMB Wealth Management (FMBWM). FMBWM is a privately‐owned Registered Investment Advisor (RIA) registered with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisor’s Act of 1940, as amended since 2001. FMBWM’s principal office is located in Westlake Village, California. FMBWM’s principal majority shareholder and owner is Debra A. Fields, CFP®. Grant Blindbury, CFP®, Jeremy J. Fields, CFP®, and David Howerton are minority shareholders. FMBWM and its investment advisor representatives (“IARs”) are considered “fiduciaries” and as such, provide investment advice in the best interests of their clients as part of their fiduciary duty of care, and the industry’s impartial conduct standards. B. Management and Advisory Personnel Debra A. Fields, CFP® Year of Birth: 1958 Designations: CFP® (Certified Financial Planner™) Education: BA French/Business, University of Redlands, 1980 CFP® Certified Financial Planning Board of Standards, 1987 Business FMB Wealth Management Background: President, CFO, Secretary; 2018 – present Secretary, Treasurer, and Director; 2001 ‐ present FMB Retirement Services President, CFO, Secretary; 2018 – present Secretary, Treasurer and Director; 2012 – present FMB Insurance Services President, Secretary; 2018 – present Secretary, Treasurer and Director; 2016 – present Reportable Ms. Fields has not been involved in a disclosure event where she was found Disclosures: liable in any civil, self‐regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business Activities: Debra A. Fields does not have any other business activities other than administrative management of FMBWM’s related advisor, FMB Retirement Services and FMBWM’s related insurance agency, FMB Insurance Services. Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 6 Grant E. Blindbury, CFP® Year of Birth: 1979 Designations: CFP® (Certified Financial Planner™) Licenses: NASAA Uniform Combined State Law Examination (Series 66) California Life, Health and Disability Insurance licensed Education: BA Business, UCLA, 2001 CFP® Certified Financial Planning Board of Standards, 2008 Business FMB Wealth Management, 2001 ‐ present Background: Partner, Director, Investment Advisor Representative FMB Retirement Services, 2012 ‐ present Partner, Director, Investment Advisor Representative Reportable Mr. Blindbury has not been involved in a disclosure event where he was found Disclosures: liable in any civil, self‐regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business Activities: Grant E. Blindbury is licensed to sell insurance products in the State of California and could receive insurance commissions for doing so. Mr. Blindbury is a Director, Partner and IAR with FMBWM’s affiliated Advisor through common ownership, FMB Retirement Services (“FMBRS”). Mr. Blindbury reports directly to Debra Fields for all FMBWM business. You may contact Ms. Fields at (805) 446‐4494. Jeremy J. Fields, CFP®, AIF®, FBS®, RF™ Year of Birth: 1988 Designations: CFP® (Certified Financial Planner™) AIF® (Accredited Investment Fiduciary) RF™ (Registered Fiduciary) FBS® (Certified Financial Behavior Specialist) Licenses: NASAA Uniform State Investment Advisor Law Exam (Series 65) California Life, Health and Disability Insurance licensed Education: BS Business Administration, University of San Diego, 2010 CFP® Certified Financial Planning Board of Standards, 2016 Business FMB Wealth Management Background: Partner, Investment Advisor Representative; 2012 ‐ present FMB Retirement Services Managing Director, Investment Advisor Representative; 2012 ‐ present Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 7 FMB Insurance Services Chief Financial Officer; 2018 ‐ present Reportable Jeremy J. Fields has not been involved in a disclosure event where he was found Disclosures: liable in any civil, self‐regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business Activities: Jeremy J. Fields is also a Director, Partner and IAR with FMBWM’s affiliated Advisor through common ownership, FMB Retirement Services (“FMBRS”). Mr. Fields is licensed to sell insurance products in the State of California and could receive insurance commissions for doing so. Jeremy J. Fields reports directly to Debra Fields for all FMBWM business. You may contact Ms. Fields at (805) 446‐4494. Daniel L. Mock, CFP®, M.S. Year of Birth: 1991 Designations: CFP® (Certified Financial Planner™) M.S. (Masters of Science) Licenses: NASAA Uniform State Investment Adviser Law Exam (Series 65) California Life, Health and Disability Insurance licensed Education: B.A. Economics, California Lutheran University, 2013 B.A. Political Science, California Lutheran University 2013 Masters of Science (M.S.), Quantitative Economics, California Lutheran University, 2014 CFP® Certified Financial Planning Board of Standards, 2016 Business FMB Wealth Management Background: Partner, Investment Advisor Representative; 8/2014 ‐ Present FMB Retirement Services Investment Advisor Representative; 8/2014 – Present Reportable Daniel Mock has not been involved in any disclosure event where he was found Disclosures: liable in an arbitration claim alleging damages in excess of $2,500, or found liable in a civil, self-regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business Activities: Mr. Mock is a registered IAR employee with FMBWM’s affiliated RIA under common ownership, FMB Retirement Services (“FMBRS”). Mr. Mock is also licensed to sell insurance products in the State of California and could receive insurance commissions for doing so. Daniel Mock reports directly to Debra Fields for all FMBWM business. You may contact Ms. Fields at (805) 446‐4494. Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 8 Andrew J. Miller, CRPS® Year of birth: 1979 Designations: CRPS® (Chartered Retirement Plans Specialist) Licenses: NASAA Uniform State Investment Adviser Law Exam (Series 65) California Life, Health and Disability Insurance licensed Education: Bachelor of Science in Kinesiology, California State University, Northridge, 2003 Business FMB Wealth Management Background: Investment Advisor Representative; 8/2016 – Present FMB Retirement Services Investment Advisor Representative; 1/2020 – Present Reportable Andrew J. Miller has not been involved in any disclosure event where he Disclosures: was found liable in an arbitration claim, or found liable in a civil, self‐ regulatory organization, or administrative proceeding, and has not been the subject of a bankruptcy petition. Other Business Activities: Mr. Miller is a registered IAR employee with FMBWM’s affiliated RIA under common ownership, FMB Retirement Services (“FMBRS”). Mr. Miller is also licensed to sell insurance products in the State of California and could receive insurance commissions for doing so. Andrew J. Miller reports directly to Debra Fields for all FMBWM business. You may contact Ms. Fields at (805) 446‐4494. Jake L. Berman, MBA Year of birth: 1995 Licenses: NASAA Uniform State Investment Adviser Law Exam (Series 65) Education: Bachelor of Science in Business Administration, California State University Channel Islands, May 2017 Master of Business Administration (MBA), May 2022 Business FMB Wealth Management Background: Director of Advisor Services ; 4/2021 – Present FMB Wealth Management Wealth Management Coordinator; 8/2018 – 4/2021 FMB Retirement Services Investment Advisor Representative; 3/2023 ‐ Present Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 9 Reportable Mr. Berman has not been involved in any disclosure event where he was found Disclosures: liable in an arbitration claim, or found liable in a civil, self‐regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business Activities: Mr. Berman is a registered IAR employee with FMBWM’s affiliated RIA under common ownership, FMB Retirement Services (“FMBRS”). Jake Berman reports directly to Debra Fields for all FMBWM business. You may contact Ms. Fields at (805) 446‐4494. Natalia M. McClure Year of birth: 1990 Licenses: NASAA Uniform State Investment Adviser Law Exam (Series 65) Education: Art Studies, Moorpark College Business FMB Wealth Management Background: Associate Advisor; 9/2022 – Present FMB Retirement Services Associate Advisor; 8/2023 – Present Horst & Graben Wealth Management, LLC Operations Specialist; 2/2018 – 9/2022 Royal Alliance Registered Representative; 2/2018 – 12/2019 Reportable Ms. McClure has not been involved in any disclosure event where she was found Disclosures: liable in an arbitration claim, or found liable in a civil, self‐regulatory organization, or administrative proceeding; and has not been the subject of a bankruptcy petition. Other Business Activities: Ms. McClure is an Associate Advisor and registered IAR employee with FMBWM’s affiliated RIA under common ownership, FMB Retirement Services (“FMBRS”). Natalie McClure reports directly to Debra Fields for all FMBWM business. You may contact Ms. Fields at (805) 446‐4494. Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 10 C. Use of Professional Designations: Certified Financial Planner™ (CFP®). The Certified Financial Planner™ and federally registered “CFP” marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation

requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 62,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:  Education – Complete an advanced college‐level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a bachelor’s degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;  Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two‐day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;  Experience – Complete at least three years of full‐time financial planning‐ related experience (or the equivalent, measured as 2,000 hours per year); and  Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:  Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and  Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 11 Accredited Investment Fiduciary (AIF®). The AIF® (Accredited Investment Fiduciary®) professional designation is the first and only designation that demonstrates knowledge and competency in the area of fiduciary responsibility. With the media awash with stories of financial scandals, investors are demanding that investment advisors embrace a higher standard of practice than ever before. The AIF® professional designation and certification is issued by the Center for Fiduciary Studies, and the training is the best way for investment fiduciaries and professionals to absorb the Prudent Practices, their legal underpinnings and how to apply them within existing fiduciary policies and procedures. Holders of the AIF® mark have successfully completed this specialized program on investment fiduciary standards and subsequently passed a comprehensive examination. To qualify for the AIF® Designation, candidates must meet minimum criteria for Screening, Education and Training standards, Professional Development standards, and Relevant Industry Experience standards. The AIF® training concludes with an examination in order to apply for and earn the AIF® Designation. The AIF® final exam is a proctored exam. The requirement for a proctor ensures the integrity of the examination process as one of the high standards for earning the AIF® Designation. Registered Fiduciary™ (RF™). The Registered Fiduciary™ (RF™) certification identifies financial professionals that have achieved pertinent academic qualifications and licenses, learned required practices and have passed a background check. The RF™ certification prepares a candidate to comply with the regulatory requirements of acting as a fiduciary under current laws. This fiduciary standard distinguishes RF™ designated professionals as having met the highest standard in the financial industry. All valid certified RF™ are listed on the Registry of Fiduciary Professionals. RF™ certifications are further defined by specialties. Each designee has one or more specialties that identify the services that he/she/they is/are qualified to provide. Chartered Retirement Plans Specialist (CRPS®). The Chartered Retirement Plans Specialist® (CRPS®) designation is a credential for those who create, implement and maintain retirement plans for businesses. Unlike most other professional financial planning and advisory professional designations, the CRPS® focuses on wholesale and business clients. It is awarded by the College for Financial Planning to individuals who pass an exam demonstrating their expertise. Every two years, CRPS® professionals must complete 16 hours of continuing education and pay a nominal fee to continue using the designation. The Chartered Retirement Plans Specialist® program is a case‐study‐based, client‐centered problem‐solving approach. The study program to become a CRPS® covers types and characteristics of retirement plans, including IRAs, small business retirement plans, defined contribution plans, nonprofit plans, 401(k) and 403(b) plans, and government plans. Keeping up with changes to tax codes and other laws is important for a chartered retirement plans specialist. For example, the passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act in December 2019 brought forth some hefty changes to the retirement industry. As of 2020, under the new law, the age for taking required minimum Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 12 distributions (RMDs) is no longer 70.5, but age 72. Then, a few years later, Congress passed the SECURE 2.0 Act which increased the RMD age to 73. Being mindful of these changes as they occur are central to the role of chartered retirement plans specialist. Certified Financial Behavior Specialist® (FBS®). The Certified Financial Behavior Specialist® (FBS®) designation is a professional certification mark for financial professionals providing financial consulting services conferred by the Financial Psychology Institute®. To receive authorization to use the marks, the candidate must meet specific educational and continuing education requirements in the areas of behavioral finance and financial behavior. Certification Requirements:  Bachelor’s Degree or higher from a Regionally Accredited Institute of higher learning and/or a License, Registration, or Certification in financial planning, counseling, coaching, mental health, or a related field.  Completion of a Certificate in Financial Psychology & Behavioral Finance or related field.  Agreement to adhere to the Financial Psychology Instituteʹs Code of Ethics.  20 Hours of CEUs in approved courses related to financial planning, financial behavior, or a related field every 2 years, either through the Financial Psychology Institute® or other approved providers.  Two letters of recommendation from professionals familiar with financial psychology or financial therapy, and who are also familiar with your work.  Certificate holders include practicing financial planners, financial coaches, financial counselors, and mental health practitioners who use the theories and tools of financial behavior to provide more holistic services to clients, better understand financial beliefs and behaviors, and work more effectively with individuals, couples, families, and organizations around money. By using the marks, the FBS® Certificant promises to adhere to the ethical standards guide as defined in the Financial Psychology Instituteʹs Code of Ethics. D. Advisory Services FMB Wealth Management provides wealth management services for individual and qualified retirement plan clients. Wealth management is comprised of investment consulting, advanced planning, and relationship management services. Investment consulting incorporates historical portfolio performance analysis, risk evaluations, and asset allocation. Advanced planning involves wealth enhancement (tax and cash‐flow planning), wealth transfer (transferring wealth effectively), wealth protection (risk mitigation and transferring risk to insurance companies) and charitable giving. FMBWM uses passively managed index mutual funds and Exchange Traded Funds (ETF’s) from various asset classes to achieve diversification. Many of the funds used are from Dimensional Fund Advisors (DFA). Index funds from Vanguard, funds from PIMCO (formerly Gurtin Municipal Bond Management), as well as listed Exchange Traded Funds (ETF’s), may Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 13 also be used. These funds are purchased and held at an institutional level custodian firm (Charles Schwab or Fidelity Investments), or with another qualified retirement plan custodian. For participant‐directed defined contribution pension plans held with qualified custodians, FMBWM IARs will review and analyze all available investment options. E. Client Needs IARs conduct initial discovery meetings with each potential advisory client to discuss their financial needs, personal goals, risk tolerance and overall investment objectives in depth. It is beneficial to the client to provide accurate and candid information and promptly inform their IAR of any material changes in their circumstances as soon as a change occurs so their IAR can re‐evaluate their portfolio to see if adjustments to the advisory account portfolio are necessary. Clients may impose restrictions on investing in certain securities or types of securities in most advisory programs. F. Wrap Programs FMBWM and its associated IARs do not offer or participate in wrap fee programs. G. Client Assets Under Management As of December 31, 2023, our fiscal year end, FMB Wealth Management managed 794 accounts representing $451,712,421 in assets on a discretionary basis. Rev. February 29, 2024 FMB Wealth Management, Form ADV Part 2A 14