Firm Overview Sage Financial Management Group, Inc. doing business as SageVest Wealth Management (SageVest) is an investment management and financial advisory firm. SageVest works with individuals, families, trusts, charitable accounts and other entities. Clients who work with SageVest are typically seeking an advisor who knows each client well, approaches each relationship on an individual basis, and who helps to coordinate a host of financial considerations on a comprehensive basis, rendering true wealth management services. SageVest is an SEC-registered investment advisor. Jennifer Myers, the principal owner of SageVest, holds close to two decades of experience in the investment management and financial industry. She established SageVest on May 15, 2007, in response to the expanding need for quality, fee-only financial advisory services. SageVest operates as an independent, fee-only advisory firm to ensure that client interests are always placed at the helm of our decision making. Our client-centric approach allows us to deliver these services on an individualized basis, making sure that we tailor recommendations to each client’s unique needs, goals and objectives. SageVest is committed to maintaining rigor and diligence with respect to our integrated recommendations, our follow-through on implementation, and our attention to ongoing oversight responsibilities. Investment Management Services SageVest is a multi-asset class manager with diversified investment holdings primarily consisting of bonds and equities. We predominantly invest client assets in mutual funds, exchange traded funds (ETFs) and individual bonds. SageVest will also hold legacy investment positions with significant embedded capital gains for clients. No proprietary investment products are utilized to avoid conflicts of interest. Our management style seeks to develop investment portfolios designed to both grow and preserve our clients’ assets. We work closely with clients to identify appropriate investment strategies in response to each investor’s needs and goals. The integration of financial planning and wealth management services within each relationship facilitates this process. Fundamental investment considerations such as risk, liquidity needs, time horizon and tax considerations are reviewed on a frequent basis to ensure portfolios remain aligned with client objectives. As of December 31, 2023, SageVest had approximately $301,000,000 in assets under management, all of which was managed on a discretionary basis. Clients can engage SageVest to manage all or a portion of their assets on a discretionary basis. SageVest operates as an independent registered investment advisor,

meaning that we manage assets on behalf of clients and assume day-to-day supervisory responsibilities, but we do not assume custody of assets. We believe in the benefits of separating these roles to better serve client interests. Clients are advised of their responsibilities to promptly advise SageVest of any material changes in their financial situation, their investment objectives, or if they wish to impose any reasonable restrictions on SageVest’s investment management services. Clients may impose reasonable restrictions (e.g., employment restrictions that ban certain types of investments, or client restrictions on sale of selected securities) if, in SageVest’s sole discretion, the conditions will not materially impact performance or prove overly burdensome to its management efforts. More details about our investment management services can be found later in this regulatory brochure. Financial Planning / Wealth Management Services SageVest’s financial planning and wealth management services are broad in scope. Common areas reviewed with clients include retirement, philanthropic, estate, asset protection, family wealth transfer, college funding, tax and cash flow planning. Planning services can be offered relative to a specific topic or on a coordinated basis, rendering a comprehensive wealth management approach. We encourage clients to engage in broad financial discussions at the beginning of each relationship and on an ongoing basis to ensure we have access to pertinent information. Ongoing discussions can spawn proactive planning recommendations and can impact investment management decisions. SageVest often collaborates with the client’s allied advisors (e.g., accountant or attorney). SageVest provides recommendations on the assumption that information obtained from the client and the client’s advisors is accurate, and is not required to verify such data. Clients are advised of their responsibility to promptly advise SageVest of any material changes in their financial situation that might impact services rendered on the client’s behalf. Planning services can often be extended within the scope of the Investment Management Agreement without any additional billing (see details under Item 5). If services extend beyond the scope of the Investment Management Agreement, or are contracted under a separate Financial Planning Agreement, such services are billed on an hourly basis. Clients are advised that a conflict of interest exists if SageVest recommends its own services in return for compensation. The client is under no obligation to act upon any of the recommendations made by SageVest or to engage the services of any professional recommended by SageVest, including SageVest itself.