4a: Firm Description Cedar Mountain Advisors was established in July 2006 by Bradley D. Patrick and Adam L. Woods. Our main office is located in Lake Oswego, Oregon. 4a1: Principal Members  Bradley D. Patrick, Chief Compliance Officer: Mr. Patrick may be contacted by email at bpatrick@cmapdx.com or by telephone at (503) 224-6868.  Adam L. Woods, Managing Member: Mr. Woods may be contacted by email at awoods@cmapdx.com or by telephone at (503) 224-6868. 4b: Types of Advisory Services Cedar Mountain Advisors offers a variety of investment advisory services to our clients. We work with our clients to identify their investment goals and objectives as well as risk tolerance in order to create an initial portfolio allocation designed to complement the clients’ financial goals and objectives. We offer the following programs to help meet your needs: Cedar Mountain Advisors Investment Advisory Program Cedar Mountain Advisors offers discretionary investment advisory services through its stand-alone Investment Advisory Program (IAP). Our representatives will assist you in establishing your IAP account at our selected third-party custodian, Charles Schwab, and/or annuity comapany. Based on suitability factors such as your investment objectives, time horizon, performance expectations and risk tolerance, one of the IAP’s proprietary investment models will be assigned. These model portfolios will determine the specific investments chosen for your account. The model portfolios are distinguished from one another based on their asset allocation and aggregate percentage of equites to fixed income. It is our goal to choose the right model for each of our clients based on the above factors. Our IAP models are developed, monitored and updated by your representative. Updates to our proprietary models will result in discretionary transactions being executed in your accounts on a periodic basis. You will receive a summary of these transactions on your Charles Schwab custodial statements. You may also have the ability to view your accounts online. Various factors such as market shifts, absolute and relative investment performance, macroeconomic fundamentals, forward expectations and analysis, and other factors may trigger rebalancing of your portfolio. Strategic as well as tactical investment strategies may be employed within these client accounts, with the goal of providing adequate risk/reward characteristics via broad diversification across asset class and style categories. Open ended mutual funds as well as exchange traded funds (ETF’s) will be utilized along with other investment types determined suitable by the advisor. Be aware that all transaction related expenses, and other fees charged by the custodian will be billed to your account. A complete schedule of these custodian related expenses will be provided upon request. In addition, all fund expenses which include internal operating expenses, 12b-1 fees, redemption fee’s etc. may be charged. SEI Asset Management Program The SEI Asset Management Program (SEI Program) is an institutional asset allocation program that Cedar Mountain Advisors uses in the management of client account assets. Cedar Mountain Advisors assists you in the establishment of an SEI Program account at SEI Private Trust Company (SPTC). All account transactions are processed and cleared ADV PART 2 A BROCHURE PAGE 5 OF 21 through SPTC. The SEI Program uses asset allocation portfolios developed by Cedar Mountain Advisors. Cedar Mountain Advisors may also use SEI asset allocation models which are managed by an SEI affiliated investment advisory firm. These portfolios generally consist of SEI Family of Institutional Mutual Funds and other securities approved by SEI to be held in an account. Retirement Program Cedar Mountain Advisors LLC Retirement Plan Advisory Agreement was developed for qualified retirement plans (Plans) desiring discretionary and/or non-discretionary investment advisory consulting services. Cedar Mountain Advisor’s status is that of an “investment advisor” for purposes of ERISA Section 3(21) and/or 3(38) to the extent of the provision of discretionary advisory services under a Plan agreement. The types of investment advisory services that we offer include:  Nondiscretionary Advisory Services: Assessment of Investments, Participant Investment Advice and Separate Agreement Participant Services.  Discretionary Advisory Services: Default Investment Alternative Management,

Investment Manager to Plan  Other Services: Participant Education, Communication and Disclosures; Strategic Planning and Investment Policy Services; Plan Review; Plan Fee and Cost Review; Third Party Service Provider Liaison; Executive Benefits; Plan Conversion Cedar Mountain Advisors and its representatives shall exercise their authority in accordance with objectives set forth the Plan as may be amended from time to time and in accordance with additional written guidelines and/or investment policies. The execution of securities transactions for the Plan will be made through brokers or dealers that Cedar Mountain Advisors believes will be consistent with its best execution obligation. An independent service provider may provide various administrative services to the plan including, among other things, facilitating plan participant investment decisions such as the selection and modification of their investment elections. Fee Based Financial Planning Agreement Cedar Mountain Advisors offers financial planning services as part of an Independent Financial Planning Agreement. As specified by this agreement, relevant reports, analysis, and documents are developed and presented to clients on an individual basis. Financial planning scenarios, observations and recommendations are illustrated in these materials. Developing the plan includes meeting with you to document your objectives and goals, as well as gathering all information necessary to provide you with the appropriate and agreed upon services, which may include one or more of the following:  Investment Planning  Investment Policy Statements  Financial Independence  Retirement Planning  Capital Needs Analysis (Goal Funding)  Estate Planning  Education Planning  Risk Management (Life and Disability Insurance)  Employee Stock Option Planning  ADV PART 2 A BROCHURE PAGE 6 OF 21 These services are delivered based on the specified services and fees outlined in our independent financial planning agreement. These services are apart from similar or identical services which may or may not be provided on a circumstantial basis to clients as part of another asset management agreement. You are encouraged to review your plans on a regular basis. Consultations Clients may contract with Cedar Mountain representatives for consultations on any topic of interest to the client. Cedar Mountain representatives and the client will determine how many meetings are required to complete the consultations. You will have the ultimate authority to determine when the consultations are finished. Qualified Plan Consultation Services Cedar Mountain representatives will provide review and monitoring services to qualified retirement plan accounts established with outside custodians. These services can be provided to individual client accounts within a plan or to a plan administrator for review of the entire plan and can include the following:  Strategic Plan Consulting  Assessment of Investments  Plan Fee and Cost Review  Plan Service Review  Investment Policy Services  Participant Education and Communication  Participant Investment Advice  Separate Agreement Participation Service  Cedar Mountain representatives will review accounts and provide recommendations regarding the implementation and allocation of the investments in the account and any new funds deposited into the account. However, all trade implementation in these accounts will be your responsibility. If you establish a Cedar Mountain Advisors representative as an interested party on the account, a copy of the statement must be delivered directly to the Cedar Mountain representative Law Firm Consultation Services With client authorization, Cedar Mountain Advisors consults with local law firms which provide financial analyses and opinions relative to portfolio holdings and future costs for our clients. The law firms are responsible for providing the representatives with the specific client information to be analyzed and the representatives will rely solely on that client information in developing their reviews and opinions. 4d: Wrap Fee Program Cedar Mountain Advisors does not sponsor any wrap fee programs. 4e: Assets under Management (AUM) Cedar Mountain Advisors, as of December 31, 2023, has $618,236,911 in discretionary reportable Assets under Management and $251,818,676 in non-discretionary reportable Assets under Management for a total of $870,055,587.