Page 4 A. Centric Wealth Management, LLC Centric Wealth Management, LLC (“Centric” or the “firm”) is an Illinois limited liability company. Formerly known as FGMK/Preservation Capital Partners, LLC, the firm has been operating as an investment advisory firm since 2005. Centric’s principal owners are Virgil J Rutili and FGMK Advisory, LLC. B. Advisory Services Offered Centric provides professional investment portfolio management services and occasionally furnishes advice to clients on matters not involving securities. Centric’s services also include consulting with clients about their financial situation, investment objectives and restrictions, and tax circumstances; selecting, purchasing and selling securities for clients; monitoring securities and providing appropriate reports as to asset holdings, valuation and performance. Investment Management Services Centric offers ongoing investment management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. For its discretionary asset management services, Centric receives a limited power of attorney to effect securities transactions on behalf of its clients that include securities and strategies described in Item 8 of this brochure. Centric’s investment management services are predicated on the client's investment objectives, goals, tolerance for risk, and other personal and financial circumstances. Centric will analyze each client's current investments, investment objectives, goals, age, time horizon, financial circumstances, investment experience, investment restrictions and limitations, and risk tolerance and implement a portfolio consistent with such investment objectives, goals, risk tolerance and related financial circumstances. In addition, Centric may utilize third-party software to analyze individual security holdings and separate account managers utilized within the client’s portfolio. Centric offers customized and individualized investment model strategies for clients. A specific asset allocation strategy is crafted to focus on the specific client’s goals and objectives. Centric offers the following model strategies, which are described in Item 8 of this brochure: ▪ CWM Stock Model ▪ CWM HQ2 Model ▪ CWM Tactical Quad Model ▪ CWM Income Model Clients have the right to provide the firm with any reasonable investment restrictions that should be imposed on the management of their portfolio, and should promptly notify the firm in writing of any changes in such restrictions or in the client's personal financial circumstances, investment objectives, goals and tolerance for risk. Centric will remind clients of their obligation Page 5 to inform the firm of any such changes or any restrictions that should be imposed on the management of the client’s account. Centric will also contact clients at least annually to determine whether there have been any changes in a client's personal financial circumstances, investment objectives and tolerance for risk. Retirement Plan Participant Account Management (Discretionary) Centric uses a third-party platform (Pontera Order Management System) to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of client funds since we do not have direct access to client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the client allowing them to connect an account(s) to the platform. Once client account(s) is connected to the platform, we will review the current account allocations. When deemed necessary, we will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance.

Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. We may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between our firm and the client. Financial Planning Services Centric also provides financial planning services. Such services include a comprehensive evaluation of a client's financial situation by using currently known facts and variables. We create a financial plan for the client, which is designed to assist the client to achieve financial goals and objectives. We may also prepare reports at the client's request. A financial plan may address one or more of the following areas: ▪ Financial Position: Understanding of a client's current financial situation. Sources of evaluation include income, expenses, assets, liabilities, etc. ▪ Investment Planning: Determining the most suitable way to structure investments to meet financial goals, and determine the appropriate account type (e.g., joint tenants, IRA, Roth IRA, etc.) ▪ Income Tax Planning: Evaluating the current tax situation to help minimize a client's taxes and find more profitable ways to use the extra income generated. ▪ Retirement Planning: Assessing retirement needs to help a client determine how much to accumulate, as well as distribution strategies designed to create a source of income during retirement years. ▪ Credit Planning: Evaluating a client's credit needs. ▪ Insurance Planning and Risk Management: Evaluating the client's insurance needs and reviewing insurance policies and the like. Page 6 ▪ Estate Planning: Reviewing the client's cash needs at death, income needs of surviving dependents and estate planning goals. ▪ Education Planning: Reviewing the educational needs for the client and his/her family, along with planning for educational expenses. We gather information through interviews and review of documents provided by the client, including questionnaires. Information gathered includes the client's current financial status, future goals, investment objectives, risk tolerance and family circumstances. Typical financial planning services include one or more of each of the aforementioned service components. A financial plan may require the services of a specialist such as a registered representative, insurance specialist, attorney or tax accountant. The client is under no obligation to act on our financial planning recommendations. Furthermore, the client is under no obligation to use any service provider recommended by us. The client is under no obligation to effect any recommend transaction through us. Financial plans are based on the client's financial situation at the time we present the financial plan to the client, and on the information provided to us. The client must promptly notify us if his/her financial situation, goals, objectives or needs change. Certain assumptions may be made with respect to interest rates, inflation rates, and use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. We cannot offer any guarantees or promises that a client's financial goals will be met. C. Client-Tailored Services and Client-Imposed Restrictions Each client’s account will be managed on the basis of the client’s financial situation and investment objectives and in accordance with any reasonable restrictions imposed by the client on the management of the account—for example, restricting the type or amount of security to be purchased in the portfolio. D. Wrap Fee Programs Centric does not participate in wrap fee programs, where certain brokerage commissions and transaction costs are included in the asset-based fee charged to the client. E. Client Assets Under Management As of December 31, 2023, Centric managed $648,407,461 of discretionary assets and $10,789,175 of non-discretionary assets. Item 5: Fees and Compensation