Wealth Management is owned by 13 individual Members (see www.adviserinfo.sec.gov for Wealth Management’s Form ADV Part 1, Schedule A for a list of all individual’s names) and has been providing advisory services since 2001. As of December 31, 2023, Wealth Management managed $357,640,491 on a discretionary basis, $360,013 on a non-discretionary basis and provided retirement plan consulting services to $194,897,240 of self-directed retirement account assets. Investment Management Services: Wealth Management manages investment portfolios for individuals (including high net worth individuals), qualified retirement plans, not-for-profit organizations, foundations, and corporations. Wealth Management works with clients to determine the client's specific investment objectives which may be set forth in a written Investment Policy Statement that describes an asset allocation model that conforms to a client’s risk tolerance level. Investment and portfolio allocation software may be used to evaluate alternative portfolio designs. Wealth Management evaluates the client's existing investments with respect to the client's investment policy statement. Wealth Management works with new clients to develop a plan to transition from the client's existing portfolio to the desired portfolio. Wealth Management will then continuously monitor the client's portfolio holdings and the overall asset allocation strategy and hold regular progress meetings with the client regarding their account and other wealth management issues, as necessary. Wealth Management will typically create a portfolio of no-load mutual funds, and may use model portfolios if the models match the client's investment policy. Wealth Management will allocate the client's assets among various investments taking into consideration the overall management style selected by the client. Wealth Management primarily recommends portfolios consisting of no-load mutual funds offered by Dimensional Fund Advisors ("DFA"). DFA sponsored mutual funds follow a passive asset class investment philosophy with low holdings turnover. Client portfolios may also include some individual equity securities in situations where disposition of these securities would present an overriding tax implication or the client specifically requests they be retained for a personal reason. These situations will be specifically identified in the client’s Investment Policy Statement (IPS). Client portfolios may also include some individual equity securities. Wealth Management manages mutual fund and equity portfolios on a discretionary or nondiscretionary basis. A client may impose any reasonable restrictions on Wealth Management’s discretionary authority, including restrictions on the types of securities in which Wealth Management may invest client’s assets and on specific securities, which the client may believe to be appropriate. Wealth Management may also recommend to advisory clients fixed income portfolios, which consist of managed accounts of laddered individual bond portfolios. Wealth Management will request discretionary authority from advisory clients to manage fixed income portfolios, including the discretion to retain a third party fixed income manager.

Wealth Management will prepare a separate Fixed Income Investment Policy Statement for any client qualifying for separate fixed income portfolio services. Pursuant to its discretionary authority, Wealth Management will retain a fixed income securities manager. The fixed income securities manager will be provided with the discretionary authority to invest client assets in fixed income securities consistent with the client's Fixed Income Investment Policy Statement. The manager will also monitor the account for changes in credit ratings, security call provisions, and tax loss harvesting opportunities (to the extent that the manager is provided with cost basis information). The manager will obtain Wealth Management consent prior to the sale of any client securities. On an ongoing basis, Wealth Management will answer clients' inquiries regarding their accounts and review periodically with clients the performance of their accounts. Wealth Management will periodically review each client's investment policy, risk profile, and discuss the re-balancing of each client's accounts to the extent appropriate. Wealth Management will provide to fixed income securities manager any updated client financial information or account restrictions necessary for fixed income securities manager to provide sub-advisory services. In addition to managing the client’s investment portfolio, Wealth Management may consult with clients on various financial areas including income and estate tax planning, business sale structures, college financial planning, retirement planning, insurance analysis, personal cash flow analysis, establishment and design of retirement plans and trust designs, among other things. Employee Benefit Plan Services: Wealth Management provides advisory services to retirement plans using third party administration services of certain Retirement Plan Service Providers ("RPSPs"). Wealth Management will analyze the plan's current investment platform, and assist the plan sponsor in creating an investment policy statement defining the types of investments be offered and the restrictions that may be imposed. Wealth Management will recommend investment options to achieve the plan's objectives, provide participant education meetings, and monitor the performance of the plan's investment vehicles. Wealth Management primarily provides this advisory service to 401(k) plans. Wealth Management will recommend changes in the plan's investment vehicles as may appropriate from time to time. Wealth Management will review the plan's investment vehicles and investment policy as necessary. For certain retirement plans, Wealth Management also works in coordination and support with Buckingham Strategic Partners, LLC (“BSP”). Retirement plan clients will engage both Wealth Management and BSP. BSP will provide to the client additional discretionary investment management services and will exercise discretionary authority to select the plan investments made available to the plans’ participants by selecting and maintain the plans’ investments according to the goals and investment objectives of the plan. Wealth Management will continue to work with plans to monitor plan investments, provide fiduciary plan advice including regular considerations of the goals and objectives of the plan, and provide participant education services to the plan.