Who We Are Reston Wealth Management, LLC1 (hereinafter referred to as “the Company”, “we”, “us” and “our”) is a fee-based registered investment advisor2 offering a wide range of financial services3 designed to assist you, our client4, in achieving the financial stability, security, and independence you desire. Owner The following person controls the Company: Name Title CRD# Robert E. Tucker III Managing Member 1610751 Alexander C. Voorhees Partner 6153993 Our Mission Our mission is to foster a lasting relationship with you founded on mutual trust, concern, respect, and to honor God in all we do. Together we will come alongside you . . . to hold in trust your financial future as if it were our own . . . to be the resource you turn to for clear, objective, and sound investment advice . . . to guide you as we explore what you value to ultimately set a course to pursue tomorrow’s dreams, and a strategy to build a lasting legacy for future generations. We will do our best to keep you focused on where you want to go, offer advice on how best to get there, and continually remind you of the importance of maintaining a disciplined financial strategy to realize your dreams. Assets Under Management As of January 1, 2024, our assets under management totaled: Discretionary Accounts....................................................... $399,417,129 Non-Discretionary Accounts ................................................. $ 12,336,966 1 Reston Wealth Management, LLC was organized as a Limited Liability Company in the Commonwealth of Virginia in 2003. 2 The term “registered investment advisor” is not intended to imply that Reston Wealth Management, LLC has attained a certain level of skill or training. It is used strictly to reference the fact that we are “registered” as a licensed “investment advisor” with the United States Securities & Exchange Commission – and “Notice Filed” with State Regulatory Agencies that may have limited regulatory jurisdiction over our business practices. 3 Reston Wealth Management, LLC is a fiduciary, as defined within the meaning of the Employer Retirement Income Security Act of 1974 (“ERISA”) or as defined under the Internal Revenue Code of 1986 (the “Code”) for any financial services provided to a client who is: (i) a plan participant or beneficiary of a retirement plan subject to ERISA or as described under the Code; or, (ii) the beneficial owner of an Individual Retirement Account (“IRA”). 4 A client could be an individual and their family members, a family office, a foundation or endowment, a charitable organization, a corporation and/or small business, a trust, a guardianship, an estate, or any other type of entity to which we choose to give investment advice. What We Do We provide financial solutions that stress the importance of you making fiscally responsible decisions and disciplined economic choices in your personal life, so we can effectively help you achieve your monetary goals. The focus of our advice begins with identifying your standards of living and quality of lifestyle expectations. We will accomplish this through an initial Discovery Meeting where we will review the financial documents we asked you to bring for discussion. Together questions will be asked, information shared, and an evaluation made as to whether we should move to the next step. During our meeting(s), we will:
• Learn about your core values and guiding principles
• Seek to understand your financial concerns and how you have been addressing them
• Discover your financial objectives and what success looks like for you
• Create an internal profile consisting of your concerns, objectives, relationships, values, interests, assets, professional advisors and process preferences Moving forward from the Discovery Meeting, should you choose to engage us for our advisory services, we will begin the process of identifying your life goals (i.e., core values, family, monetary needs, future plans, etc.). Our services include: Portfolio Management Our portfolio management strategies focus on designing and managing a diversified allocation of Investment Company (“mutual funds”) products, Exchange-Traded Funds (“ETFs”), along with the occasional mix of equity (“stock”) positions and fixed-income/debt (“bond”) instruments to pursue a return on your investment capital5 consistent with your objectives. Third Party Money Manager We may recommend that you use the services of a third party money manager to manage a portion of your investment portfolio. Factors that we take into consideration when making our recommendation include, but are not limited to, the following: the money manager’s performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. We will monitor the money manager’s performance to ensure its management and investment style remains aligned with your investment goals and objectives. The money manager will actively manage your portfolio and will assume discretionary investment authority over a portion of your account. We will assume discretionary authority to hire and fire this manager and/or reallocate your assets to other money managers where we deem such action appropriate. Information regarding our management fee structure is disclosed under “Portfolio Management Fee” in Item 5, “Fees & Compensation” and further description of our investment strategies under Item 8, “Methods of Analysis, Investment Strategies & Risk of Loss”. 5 You may, at any time, impose restrictions in writing on the securities we may recommend (i.e., limit the types/amounts of particular securities purchased for your account, etc.). Wealth Planning Wealth planning is an essential tool to help navigate unexpected events with the ultimate goal of providing the confidence and security necessary during both the working years (wealth accumulation) and retirement years (wealth distribution) of your life. However, such planning requires a lifetime commitment, not only from you but from us as well, your Financial Planner. What is a Wealth Plan? Wealth planning is an evaluation of the investment and financial options available to you based upon your defined life goals and choices. A well-designed plan is a step-by-step process intended to identify and clarify purpose, personal and family core values, needs, and priorities to align your financial decisions with your goals in all areas of your life and business. Planning includes:
• Arriving at a series of decisions and action items based on current and future financial circumstances and defined goals and objectives;
• Projecting the consequences of these decisions for you in the form of an economic plan – a working blueprint; and,
• Implementing the protocols outlined in the plan to achieve the plan objectives. Once complete, the wealth plan, or working blueprint, becomes the benchmark that is used to help us evaluate where you are in achieving your financial goals, needs, and objectives. Wealth Planning Composition All forms of wealth planning are a mutually defined review, analysis and evaluation of your personal financial needs and goals. In general, our wealth planning may encompass one or more of the following areas of financial need as communicated by you:
• Identify and clarify personal and family core values, mission, vision, and goals.
• Preparation of the wealth plan, which encompasses your:
• Current financial situation
• Liquidity and asset preservation needs
• Wealth accumulation and growth
• Wealth distribution and transfer More specifically planning may include, but is not limited to, the following modules:
• Financial Statements – Cash Flow and Balance Sheet
• Savings and Emergency Reserves
• Asset Allocation and Investment Portfolio Analysis
• Potential Income Tax consequences in collaboration with your tax advisor
• Risk Management and Insurance Analysis
• 529 College Education Plans
• Retirement Income Analysis
• Long-Term Healthcare
• Estate and Family Legacy Planning in collaboration with your estate attorney
• Business Succession Planning
• Outline of recommendations, strategies, solutions and resources
• Prioritizing and implementing the written action plan
• Investment consultations that allow us to create and implement a customized investment strategy tailored to your long-term investment goals
• Facilitate meetings with you and/or other specialists within our network
• Coordinate and facilitate meetings with family members, business associates, partners or other key individuals to assist with implementing your action plan Preparing the Wealth Plan In the development of your unique plan we will follow the six (6) step Financial Planning Practice Standards process established by the Certified Financial Planner Board of Standards, Inc. These steps are defined as follows: Step 1: Establish and define a mutual relationship. The first step is to conduct an introductory Discovery Meeting. During this meeting we will learn about each other and whether we can work together to achieve your financial objectives. We will listen as you share your needs, concerns, priorities, and what success looks like for you. We will in-turn, share how we can help you meet your stated personal and financial objectives, and the responsibilities we have as a fiduciary to guide you on this journey. In the end, we will explain the cost of completing the desired wealth planning service for you to decide whether you want to move forward with the next step in the planning process. Step 2: Gathering data and determining goals and objectives. In the second step of the planning process, we learn about you and what you want to achieve. This is accomplished through personal interviews and questionnaires6, which are designed to address your unique wealth planning needs. You will have the opportunity to prioritize objectives and to remove from the process any areas that are not applicable to your circumstances. The time we invest listening and catering to your wants and needs is critical for developing a strong wealth planning foundation. Step 3: Analyze and evaluate your financial status. In this third step, we analyze the information you provided to determine your current financial situation and what you should do to meet your goals. Depending on the services you requested, this might include analyzing: (i) your assets, liabilities and cash flow; (ii) your current insurance coverage and investments; and, (iii) your tax strategies and estate planning documents. Step 4: Develop and present wealth planning recommendations and/or alternatives. Once the analysis has been completed, we begin formally documenting your goals and objectives. We define the plan as a road map (a series of blueprints) designed to take you from where you currently are financially, to where you want to be at some point in the future. This is the creative portion of the process. 6 The information we gather from you through personal interviews and questionnaires is vital for us to effectively advise you on your unique financial needs and help you plan for your future. Electing to dismiss certain requested documents or respond to questions with limited input can put us at a disadvantage and handicap our ability to successfully meet your financial expectations. Therefore, if you want the best advice we can offer in designing a wealth plan or with any portfolio management, you should make every effort to provide us with detailed personal information and be as accurate with your responses as you possibly can. There are usually several ways to accomplish a given goal. The objective, however, is to integrate financial instruments and strategies into a plan that you will be comfortable executing. In some cases, the drafting of the plan reveals the need for us to help you reconcile the gap between your expectations and your financial realities. Once a viable plan has been drafted, it is presented to you and reviewed. The draft and review process may be repeated until you are satisfied with the wealth plan or the scope of work has been completed. There may be additional costs for you to implement your plan under steps 5 and 6. You have the choice to allow us to implement your wealth plan or you can use another outside professional. Step 5: Implement the planning recommendations. A wealth plan is of limited value if it is not put into action. Accordingly, we assist you with implementing7 the plan. The action plan schedule provides you with a list of tasks and deadlines designed to ensure that you put your plan into action. The following are some examples of implementation:
• Drafting of appropriate estate documents (performed in conjunction with an estate attorney).
• Purchase of various insurance policies (provided by our licensed insurance agents or another independent insurance agent of your choice).
• Investment advisory services and implementation of your asset allocation strategy (performed by us, or another investment adviser/broker-dealer of your choice).
• Ongoing income tax planning (performed in conjunction with independent Certified Public Accountant or tax accountant). Step 6: Monitor the planning recommendations. Once the plan has been built and the recommendations have been implemented it is critical that these recommendations be monitored on a continuing basis to ensure that they remain consistent with your financial parameters. Material changes in your personal circumstances, the general economy, changes in the way you want your investments allocated, or tax law changes are some of the reasons why the recommendations should be reviewed periodically and possibly adjusted. For information on our fees for wealth planning, see “Wealth Planning Fees” under Item 5, “Fees & Compensation.” 7

Implementing the recommendations made in a wealth plan often requires consultation or coordination with one or more outside professionals (e.g. attorneys, CPAs, insurance agents, and securities representatives). All personal and private information received from you will be kept entirely confidential, not only by us, but by the outside professionals as well. Your confidential information will be disclosed to third parties only with your consent or as may be permitted or required by law. 5 FEES & COMPENSATION Discovery Meeting During the Discovery Meeting, we will review the financial documents we requested you bring for discussion. The objectives we strive to accomplish with you during this meeting are to:
• Diagnose your current financial need;
• Address your financial concerns and answer your questions on how we can assist you;
• Recommend financial resolutions aimed at lowering costs, reducing risks, increasing expected returns, and/or increasing tax efficiency to improve the likelihood of successfully achieving your goal;
• Explain our investment methodology and how our investment strategies work; and,
• Explain the benefits of wealth planning and how a comprehensive evaluation of wealth management needs is beneficial beyond just managing your investable assets. From the Discovery Meeting, moving forward with portfolio management and/or wealth planning will require you to complete initial contractual agreements and new account forms to get started. Should you determine we are not a good fit for your financial needs as we conclude the Discovery Meeting, all investment advice and wealth planning recommendations will have been concluded and we are not responsible to implement the advice or for any on- going supervision, monitoring, and/or reporting. 1. Portfolio Management Fee All portfolio management services are provided on an asset-based fee arrangement to be determined based on the following fee schedules and where your assets will be custodied. The management fee is calculated based on the aggregate market value of your account on the last business day of the previous calendar quarter multiplied by one-fourth of the corresponding annual percentage rate for each portion of your portfolio assets that fall within each tier (see “Billing” below under “Protocols for Portfolio Management” for more information on how this fee is calculated). We retain discretion to negotiate the management fee within each tier on a client-by-client basis depending on the size and complexity of the portfolio managed. In addition, as your portfolio value exceeds each tier level, either through additional deposits or asset growth, a fee break will occur for that portion of your portfolio that falls within that tier level. The tier breaks are as follows: Account Value Annual Fee Rate Not to Exceed First $500,000 ................................................. 1.25% Next $500,000 ................................................. 1.20% Next $1,000,000 .............................................. 1.10% Next $3,000,000 .............................................. 0.95% Over $5,000,000 .............................................. 0.80% We generally require a minimum initial investment of $750,000 to open a managed account; however, we retain the right to waive or reduce this minimum if we feel circumstances are warranted. Pre-existing advisory clients are subject to our minimum account requirements and advisory fee arrangements in effect at the time the client entered into the advisory relationship. Therefore, our minimum account requirements and advisory fees will differ among clients. Protocols for Portfolio Management The following protocols establish how we handle our portfolio management accounts and what you should expect when it comes to: (i) managing your account; (ii) your bill for investment services; (iii) deposits and withdrawals of funds; and (iv) other fees charged to your account(s). Discretion Unless you request non-discretionary8 portfolio management, we will establish discretionary trading authority on all your accounts to execute securities transactions at any time without your prior consent or advice. You may, at any time however, impose restrictions, in writing, on our discretionary authority (i.e., limit the types/amounts of particular securities purchased for your account, etc.). Billing Your account will be billed quarterly in advance based on the fair market value for the portion of your portfolio that falls within each tier of our fee schedule. As your portfolio value exceeds into the next tier level, either through additional deposits or asset growth, the amount of assets above the fee-break will be billed the corresponding annual fee rate. This results in a weighted average annual fee, which lowers the annual fee costs to manage your portfolio. The more you invest, the less each successive tier costs. Deposits and/or Withdrawals For new managed accounts opened mid-quarter, our fee will be a pro-rated calculation of your assets to be managed for the current calendar quarter. For existing management accounts (except for annuity accounts), pro-rated adjustments will be made for partial deposits and/or withdrawals between billing cycles. Advisory fees will be deducted first from any money market funds or cash balances. If such assets are insufficient to satisfy payment of such fees, a portion of the account assets will be liquidated to cover the fees. Cash Balances Cash is considered to be an asset class and is included in our fee calculations. At times our fees will exceed the money market yield on the cash balance of your portfolio. When this happens, the advisory fee will be higher than the interest a client will earn on their cash balance or the return earned on money market funds. 8 Managing your portfolio on a non-discretionary basis means we cannot execute securities transactions in your account without first obtaining your verbal consent to perform the trades. Therefore, you understand that in the event of a market correction, should we be unable to communicate our intent, your account could experience greater market volatility over accounts managed on a discretionary basis. Fee Exclusions We have elected to bear all transaction costs for LPL Financial, LLC accounts associated with the purchase/sale of securities held in your account from our portfolio management fees. We feel this arrangement is made in your best interest and can increase your investment returns; however, before you engage us to manage your account, you should consider the following:
• Your account can be charged for additional expenses9 other than the transaction costs we have agreed to pay. At your request we will gladly provide you a list of possible fees charged to your account.
• Since we bear the responsibility to pay all transaction costs, this creates a conflict of interest and a financial incentive for us to trade less frequently. However, the asset allocation structures we design are generally not traded except to rebalance portfolios and therefore such transaction costs are minuscule.
• Transaction costs vary by security types. This is a conflict of interest since it creates an incentive for us to select securities for managed accounts that cost less than other types of securities. Our asset allocation structures generally do not deviate from a select group of mutual fund families and ETFs and therefore should not be an issue.
• This fee arrangement is not for everyone. You should consider our trading patterns and investment strategies; including, the frequency of trading and the number and size of transactions. If you desire a more aggressive trading program, our asset allocation strategies may not be the right fit for you.
• You should consider the costs and potential benefits of this arrangement as compared to paying commissions on a per-trade basis and your overall investment objectives and goals. Mutual Fund Expenses All fees paid to us for portfolio management services are separate from any fees and expenses charged on mutual fund shares by the Investment Company or by the investment advisor managing the mutual fund portfolios. These expenses generally include management fees and various fund expense, such as 12b-1 fees. Redemption fees, account fees, purchase fees, contingent deferred sales charges, and other sales load charges may occur but are the exception within managed accounts at institutional custodians. A complete explanation of these expenses charged by the mutual funds/ETFs is contained in each mutual fund’s or ETF’s prospectus. You are encouraged to carefully read the fund prospectus. Termination of Portfolio Management Services To terminate our portfolio management services, either party (you or us) by written notification to the other party, may terminate the Investment Advisory Agreement at any time. Such notification should include the date the termination will go into effect along with any final instructions on the account (i.e., liquidate the account, finalize all transactions and/or cease all investment activity). 9 We are not responsible for the following expenses to your account: (i) any Exchange/SEC fees; (ii) certain transfer taxes; (iii) service or account charges, such as, postage/handling fees, electronic fund and wire transfer fees, auction fees, debit balances, margin interest, certain odd-lot differentials and mutual fund short-term redemption fees; and (iv) brokerage and execution costs associated with non- eligible assets held in your account or with securities and other property held outside of your managed account. There can also be other fees charged to your account that are unaffiliated with our management services. In the event termination does not fall on the first/last day of a calendar quarter, you shall be entitled to a pro-rated refund of the prepaid quarterly management fee based upon the number of days remaining in the quarter after the termination notice goes into effect. Once the termination of all portfolio management services has been finalized, neither party has any obligation to the other – we no longer earn management fees or give investment advice and you become responsible for making your own investment decisions. 2. Wealth Planning Fee In addition to the portfolio management fee, you may also be charged a wealth planning fee. Wealth planning fees are usually waived if we manage over $750,000 of your portfolio account(s). If assets in your portfolio management account(s) are less than $750,000, the following billing arrangements are applicable depending on the service you desire and the complexity of the wealth plan we design. Wealth planning is a mutually defined planning project offered for a negotiable fixed fee not to exceed $20,000 annually billed on a quarterly basis. The fee will be fully disclosed in a Wealth Planning Agreement, which will include the cost10 to review your financial information and prepare the comprehensive wealth plan. It is important to note that any planning is dynamic – never static. It therefore must be periodically re-evaluated. A wealth plan is a roadmap that is only as good as how well it reflects your current financial position to then guide you on a clear path to a future financial destination. Changing circumstances in your life often necessitate periodic reviews designed to systematically address these unexpected diversions and continually keep you on the right road towards your future financial destination. Once the initial wealth plan has been completed, we will establish future “Review” dates if you choose to continue as a wealth planning client. The Reviews generally occur after each one-year anniversary and will be used to review and make adjustments, if necessary, to the wealth plan. Together we will set the calendar dates for your future reviews; inasmuch, a Review may consist of three or four reviews during the calendar year. If we are not managing your investment portfolio and you want us to review your wealth plan, we will notify you of the cost to perform the desired work before commencing with any planning. Termination of Wealth Planning Services You can terminate the Wealth Planning Agreement at any time prior to the presentation of any final planning documents. We will be compensated through the date of termination for time spent in design of such financial documents at the hourly rate agreed to in the Agreement. If you have prepaid any fees, such un-earned fees will be returned on a pro-rata basis. Once the wealth plan has been completed and presented to you, termination of the Wealth Planning Agreement is no longer an option. 10 Rarely will a fee exceed those costs outlined in the Agreement. However, there can be instances where we did not contract with you to perform a particular task and therefore merits notifying you of the additional cost prior to beginning such services. 6 ITE M 7 ITE M 8 3. 529 College Saving Plan Administrative Fee We do not charge a portfolio management fee on 529 college savings plan accounts. We charge a separate annual administration fee for the management of each beneficiary’s college savings plan account. This administration fee is based on the account balance on the last trading day of June each calendar year. Account Size Annual Administration Feeà Per Beneficiary Below $5,000 ........................... $25 $5,000 – $10,000 ....................... $50 Over $10,000............................ $100 * Maximum Fee Per Family: $250 This administration fee is not pro-rated, and you are expected to pay the administration fee annually in arrears by check. The administration fee is not part of the fees charged by the 529 plan itself. Please refer to each plan’s prospectus to ascertain the fees and expenses for your particular plan. PERFORMANCE-BASED FEES & SIDE-BY-SIDE MANAGEMENT We do not charge fees based on a share of capital gains or the capital appreciation of the assets held in your accounts.