Firm Description RKL Wealth Management LLC (“RKL Wealth”) manages investments for individuals, high net worth individuals, trusts, estates, charitable organizations, corporations, small businesses and retirement plans. Coincident to investment management, we may provide advice to our clients in the following areas: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, education funding, retirement planning, and estate planning. RKL Wealth is a wholly-owned subsidiary of RKL LLP, a regional certified public accounting firm. RKL Private Wealth is a unified approach to personal financial and legacy planning that involves a host of services provided by RKL Wealth and RKL LLP. We typically manage accounts on a discretionary basis. If so authorized, we may buy or sell any security in any amount without obtaining specific client consent. We place trades for clients under a limited power of attorney. We do not act as a custodian of client assets. We provide a free initial consultation. This meeting is considered an exploratory interview to determine the extent to which our services may be beneficial to you. Types of Advisory Services Offered Investment Management Services RKL Wealth provides continuous investment advice to clients and makes investment decisions on the client’s behalf based on the client’s stated goals and investment objectives. These services include, but are not limited to, an analysis of the client’s current investment holdings, current income and income needs, tax bracket, risk tolerances, investment experience and family situation. Based upon this information, we provide investment management services to develop and implement an investment strategy. As this is a personalized investment plan, the client may impose investment restrictions on the account or give us special instructions. As part of these services, RKL Wealth may recommend that a client invest in private investments, including but not limited to pooled investment vehicles such as limited partnerships, limited liability companies and offshore corporations, private funds, fund-of-funds and hedge funds (collectively, “Private Investments”). Clients will be required to execute subscription agreement or other necessary paperwork regarding investments in Private Investments approved by the client. All assets invested in Private Investments will be included as assets under management in calculating the client’s fees described in Item 5 below. Investments in Private Investments have unique risks, and clients and prospective clients considering investments in these securities should review the offering documents provided by the issuer and Item 8 below. Financial Planning Services A financial plan is designed to help the client with all aspects of financial planning, with or without on-going investment management after the financial plan is completed. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Implementation of the recommendations is at the client’s discretion. However, a client may engage RKL Wealth to provide ongoing investment management services and implement the recommendations. After delivery of a financial plan, future face-to-face meetings may be scheduled as necessary. Follow-up implementation work can be billed separately at an hourly rate depending upon the complexity of the client’s circumstances and the individual conducting the planning work. Consulting Advice to Retirement Plans We offer retirement plan advisory services to defined contribution retirement plans (the “Plans”) and to the Plan’s named fiduciary (the “Plan Sponsor”). These services may include either discretionary or non-discretionary investment advice concerning the retirement plan's investment options available to plan participants as described below: Investment Adviser 3(21) Fiduciary Services: RKL Wealth shall serve as an “Investment Adviser” and a “fiduciary” within the meaning of Section 3(21) of Employee Retirement Income Security Act of 1974 (“ERISA”), as amended, with respect to accounts in the Plan. (Although 3(21) fiduciaries provide advice, they do not take control of plan assets, so the Plan Sponsor retains the final say regarding implementation of the recommended investment

options.) If we are engaged as an Investment Adviser, we will provide recommendations concerning the selection of the investment options for the Plan, as well as the replacement, addition or removal of such options on an ongoing basis. In general, these services may include an existing plan review and analysis, investment performance monitoring, and/or ongoing consulting. In providing these services, we will have the ongoing responsibility to select or make recommendations based upon the needs of the Plan. While the ultimate decision to act on behalf of the Plan shall remain with the Plan Sponsor, we will generally aid with the implementation of our recommendations after approval by the Plan Sponsor. Investment Manager 3(38) Fiduciary Services: RKL Wealth will serve as an “Investment Manager” and a “fiduciary” within the meaning of Section 3(38) of ERISA with respect to accounts in the Plan. (A Section 3(38) fiduciary is an “Investment Manager” that has discretion, authority and control of a plan’s assets. Under ERISA, a Plan Sponsor can delegate the job of selecting, monitoring and replacing plan investments to the Investment Manager, but the Plan Sponsor retains liability for the selection, monitoring and benchmarking of the Investment Manager.) If we are engaged as an Investment Manager, we will select the investment options that are to be offered to the Plan's participants. We will also monitor the selected investment options and make changes to them as necessary. In addition, we may aid with respect to the establishment and maintenance of an investment policy statement for the Plan. We shall be responsible for selecting the Qualified Default Investment Alternatives (“QDIA”) for the Plan as permitted under Section 404(c) of ERISA in the form of an investment fund or model portfolios that seek both long-term appreciation and capital preservation through a mix of equity and fixed income investments. Additional related services may also be offered in support of the Plan and its fiduciaries. Participant Services: In addition to providing plan-level advisory services, we may offer participant-level education services, assist with participant enrollment meetings and provide investment-related educational seminars to Plan participants on such topics as diversification, risk tolerance and time horizon. Our educational seminars may include other investment-related topics specific to the Plan. We may also provide additional types of retirement plan advisory and consulting services to Plans on an individually negotiated basis. All services, whether discussed above or customized based upon a Plan Sponsor’s requirements, shall be detailed in a written agreement and be consistent with the parameters set forth in the Plan documents. Consulting Advice on Securities For individual clients, we provide investment advice customized to their specific needs. The services are detailed in a written consulting agreement. Consulting Advice on Matters Not Involving Securities RKL Wealth, in coordination with a client’s legal and tax professionals if needed, provides tax preparation, tax planning, estate planning, and bill paying services to its clients. Fees for these services may be discounted or waived for clients receiving investment management services. Tax returns are generally prepared by our parent company, RKL LLP, and billed to advisory clients by RKL Wealth or RKL LLP. Selection of Sub-Advisers RKL Wealth has utilized the services of sub-advisers to manage all or part of a client’s assets as part of the overall investment strategy via a separately managed account (“SMA”). A SMA is an account that is managed by an investment professional other than your adviser at RKL Wealth where the client directly owns the securities. Managers of the SMAs are hired to strictly manage money according to a particular style of investment and client customization. The SMA can consist of equities, fixed income, preferred stock, exchange traded funds and, on occasion, mutual funds. RKL Wealth utilizes the SMA programs offered by Charles Schwab & Co. Inc. (“Schwab”) and SEI Investment Management Corporation (“SIMC”). Schwab and SIMC have developed a network of SMA Managers with negotiated fees and minimums required account balances. SMA Managers will offer no client contact and offer no personal advice on investments. They strictly manage the money in the SMA according to the manager’s style of investment. RKL Wealth will be the client’s adviser and serve as intermediary. Assets Under Management RKL Wealth’s assets under management as of December 31, 2023 was approximately $1,796,065,985 of which $235,347,750 was managed on a non-discretionary basis.