Description of Firm EagleStone Tax & Wealth Advisors is a registered investment adviser primarily based in Rockville, MD.
We are organized as a corporation under the laws of the State of Maryland. We have been providing investment advisory services since 02/01/2007. We are primarily owned by Eaglestone Tax & Wealth Advisors, Inc.
The following paragraphs describe our services and fees. Refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we," "our," and "us" refer to EagleStone Tax & Wealth Advisors and the words "you," "your," and "client" refer to you as either a client or prospective client of our firm.
Portfolio Management Services We offer discretionary portfolio management services. Our investment advice is tailored to meet our clients' needs and investment objectives.
If you participate in our discretionary portfolio management services, we require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow us to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm and the appropriate trading authorization forms.
You may limit our discretionary authority (for example, limiting the types of securities that can be purchased or sold for your account) by providing our firm with your restrictions and guidelines in writing.
Asset Allocation Services We offer asset allocation services that are tailored to meet our clients' needs and investment objectives. Once you have retained our firm for asset allocation services, we will gather information about your financial situation and objectives, and assist you in determining your investment goals, objectives, risk tolerance, and retirement plan time horizon. We will initially provide you with recommendations as to how to allocate your investments among categories of assets. We will then review your account on a periodic basis. Where appropriate, we may provide you with recommendations to change your asset allocation in an effort to remain consistent with your stated financial objectives. You are free at all times to accept or reject any of our investment recommendations. You are solely responsible for implementing our recommendations. Unless you separately retain our services, we will not execute any transactions or changes in asset allocation on your behalf.
Financial Planning Services We offer financial planning services which typically involve providing a variety of advisory services to clients regarding the management of their financial resources based upon an analysis of their individual needs. These services can range from broad-based financial planning to consultative or single subject planning. If you retain our firm for financial planning services, we will meet with you to gather information about your financial circumstances and objectives. We may also use financial planning software to determine your current financial position and to define and quantify your long-term goals and objectives. Once we specify those long-term objectives (both financial and non-financial), we will develop shorter-term, targeted objectives. Once we review and analyze the information you provide to our firm and the data derived from our financial planning software, we will deliver a written plan to you, designed to help you achieve your stated financial goals and objectives.
4 Retirement Accumulation Strategies:
•401(k)s, 403(b)s, Design and Oversight
•IRA Rollover and Beneficiary Designation Planning
•Pension Plan and Profit Sharing Design Consultation
•Defined Benefit Plan Oversight
•IRA vs ROTH IRA Analysis
•Financial Independence Studies Advisory Services for Organizations:
•Entity Selection for Small Business
•Company and Employer Fringe Benefits
•Business Succession & Buy-Sell Planning
•Risk Management & Insurance Protection Planning for Business Owners and Key Executives
•Review of Legal Documents Wealth Accumulation Strategies for Individuals and Families:
•Education Planning and Funding
•UTMAs/UGMAs for Minors
•Risk Management and Insurance Protection for Families
•Mortgage Counseling Other Advisory Services:
•Access to Institutional Money Managers, when appropriate
•Initial Public Offerings (IPO), when appropriate
•Tax Planning Wealth Preservation Strategies:
•Review of Estate Planning Documents
•Wealth Transfer Techniques
•Estate Tax Minimization
•Generation Skipping Trust Planning
•Philanthropic Strategies Financial plans are based on your financial situation at the time we present the plan to you, and on the financial information you provide to us. You must promptly notify our firm if your financial situation, goals, objectives, or needs change.
You are under no obligation to act on our financial planning recommendations. Should you choose to act on any of our recommendations, you are not obligated to implement the financial plan through any of our other investment advisory services. Moreover, you may act on our recommendations by placing securities transactions with any brokerage firm.
Financial Consulting Services We offer financial consulting services that primarily involve advising clients on specific financial-related topics. The topics we address may include, but are not limited to, risk assessment/management, investment planning, financial organization, or financial decision making/negotiation.
Pension Consulting Services 5 We offer pension consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include an existing plan review and analysis, plan-level advice regarding fund selection and investment options, education services to plan participants, investment performance monitoring, and/or ongoing consulting. These pension consulting services will generally be non-discretionary and advisory in nature. The ultimate decision to act on behalf of the plan shall remain with the plan sponsor or other named fiduciary.
We may also assist with participant enrollment meetings and provide investment-related educational seminars to plan participants on such topics as:
•Diversification;
•Asset allocation;
•Risk tolerance; and
•Time horizon Our educational seminars may include other investment-related topics specific to the particular plan.
We may also provide additional types of pension consulting services to plans on an individually negotiated basis. All services, whether discussed above or customized for the plan based upon requirements from the plan fiduciaries (which may include additional plan-level or participant-level services) shall be detailed in a written agreement and be consistent with the parameters set forth in the plan documents.
Either party to the pension consulting agreement may terminate the agreement upon written notice to the other party in accordance with the terms of the agreement for services. The pension consulting fees will be prorated for the quarter in which the termination notice is given and any unearned fees will be refunded to the client.
Family

Office and Wealth Planning Services We offer Family Office and Wealth Planning Services designed to help our clients organize their financial situation and plan for the successful transfer of wealth to the next generation in the most tax- advantaged manner. Such services generally include financial planning in the following areas:
•Family Continuity;
•Estate Planning and Trustee Oversight;
•Integrated Tax and Financial Planning;
•Lifestyle Management;
•Family Philanthropy; and
•Risk Management Types of Investments We offer advice on equity securities, corporate debt securities (other than commercial paper), commercial paper, certificates of deposit, municipal securities, variable life insurance, variable annuities, mutual fund shares, closed-end interval funds, United States government securities, private placements, money market funds, real estate, REITs, structured products, ETFs, leveraged ETFs, interests in partnerships investing in real estate, interests in partnerships investing in oil and gas interests and interests in partnerships investing in Opportunity Zones.
Additionally, we may advise you on various types of investments based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship.
6 Since our investment strategies and advice are based on each client's specific financial situation, the investment advice we provide to you may be different or conflicting with the advice we give to other clients regarding the same security or investment.
Principals, investment adviser representatives or other associated persons of the Adviser maintain registration as registered representatives of Emerson Equity LLC ("Emerson"), a broker/dealer and FINRA member firm. These representatives are subject to Emerson's compliance policies and procedures and supervisory oversight. In our capacity as registered representatives, the Adviser and the Emerson representatives will not receive a share of Emerson's compliance and supervisory fee.
Clients are advised that there may be other alternative investment sponsors and/or products not recommended by the Adviser that are suitable for the client and that may cost more or less than those recommended by the Adviser. While Emerson reviews numerous alternative investment sponsors and/or products on an on-going basis, Emerson approves only a select number of sponsors/products pursuant to its due diligence requirements and reviews. Accordingly, your ability to obtain alternative investments through the Adviser will be limited to those approved products. While you are free to explore various alternative investments independent of the Adviser, such investments cannot be obtained by means of the Adviser's guidance and recommendation.
EagleStone Managed Account Program (E-MAP) EagleStone will design and manage a portfolio that will be invested similarly to the portfolios of other clients who have similar investment objectives. EagleStone will perform research and design a portfolio that is specifically designed to meet the client's risk tolerance, objectives, time horizon, unique needs and circumstances, while taking into consideration the client's specific tax profile. The currently available E-MAP portfolio models are designated as Ultra-Conservative, Conservative, Moderate, Moderately Aggressive, Aggressive, and Highly Aggressive. Periodically, EagleStone may create additional portfolio models. In addition, EagleStone and the client may create a customized portfolio for the client's investment account, if necessary and appropriate. Generally, the client will choose, in consultation with EagleStone, one of the E-MAP portfolio types that most closely match the client's investment objectives. The E-MAP portfolios consist primarily of listed securities which include, but are not limited to, money market funds, ETFs and no-load or load-waived, no transaction fee mutual funds. However, from time to time, the portfolios may also consist of listed securities including, but not limited to, stocks, bonds, unit investment trusts, certificates of deposit and other securities defined as such under applicable Federal and State laws. EagleStone will monitor market conditions and the performance of the client's portfolio. The client may change the E-MAP portfolio model at any time. Via an Investment Management Agreement and Investment Policy Statement that the client will sign, the client agrees to notify EagleStone of a change in risk tolerance, objectives or time horizon. The minimum initial investment in the E-MAP Program is $80,000.
EagleStone Wealth Advisors, Inc.'s employees or affiliates may occasionally act in the capacity of a registered representative, if it is in the best interest of the client to do so. Generally, a registered representative will earn a commission for such services. Generally, the commission is paid directly to the employee or affiliate by the provider or vendor through a broker dealer. EagleStone Wealth Advisors, Inc. does not receive commissions for such investment products. Products and services offered by EagleStone's employees or affiliates include, but are not limited to: Partnership Investments: 7
•REITs/Real Estate
•Oil & Gas
•Equipment Leasing
•Private Equity Insurance Related Vehicles:
•Life Insurance Policies
•Disability Insurance
•Long Term Care Insurance
•Annuities (Fixed)
•Annuities (Variable & Indexed)
•Life Settlements Education Planning:
•529 College Savings Plans
•Coverdell Savings Plans IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that we give advice that is in your best interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Assets Under Management As of December 31, 2023, EagleStone Wealth Advisors, Inc. manages $193,836,714 on a discretionary basis.