SAFRAN WEALTH ADVISORS Safran Wealth Advisors is a registered investment advisor with the U.S. Securities and Exchange Commission. Erika Safran, CFP® is 100% stockholder. Safran Wealth Advisors is a wealth management firm, providing integrated financial planning and investment advisory services. We recognize each client is unique, and we work closely with our clients to understand their personal life goals and values as well as financial objectives. By having a thorough understanding of our clients’ lives and their future goals, we help accomplish what is important to them. We help our clients
• Develop financial independence.
• Plan for life transition and specific needs.
• Grow wealth through long term portfolio management strategies.
• Evaluate and minimize tax exposure through tax planning.
• Evaluate and establish retirement plans.
• Create retirement distribution strategies.
• Measure risk exposures and recommend solutions.
• Develop an estate plan to make sure family needs and financial goals are met. We believe that our clients are best served by broadly diversified portfolios with low expense rations. Our investment recommendations are not limited to a specific product and will generally include advice on mutual funds, exchange listed securities, exchange traded funds (ETF’s), individual fixed income securities, and other investment products. Safran Wealth Advisors does not act as a custodian of client assets. We have chosen to use Charles Schwab & Co., an independent qualified custodian for the safety of our client’s funds. The custodian provides separate monthly or quarterly statements directly to our clients, detailing their account holdings. Types of Advisory Services Wealth Management Wealth Management is the processes of helping our clients meet their life goals by focusing on the needs of the client and providing ongoing financial planning and investment management. Financial Planning The financial planning process begins with a thorough client interview and collection of financial information. Through a series of conversations and assessment tools, we document our client’s individual circumstances and help to identify their lifetime goals and expectations. All aspects of a client’s financial life are explored and evaluated in the financial plan. In order to better understand our clients and serve their needs, we document both the subjective aspect of our client’s lives as well as the financial data. Quantitative information gives us information about our client’s financial strength. Such information may pertain to a client’s net worth, cash flow needs, risk exposures as well as any other information which may be important to consider in developing recommendations. We rely on information supplied by the client and the client’s other professional advisors. This client assessment becomes the foundation for the Financial Plan and the management of our client’s portfolio. The Financial Plan details the analysis of the client’s financial life and includes goal setting, cash flow projections detailing amount required to meet long and short-term goals, and recommended actions

and strategies for funding, investment recommendations and guidelines. We facilitate the implementation and coordinate the process. Finally, the Financial Plan and recommended strategies are monitored on an ongoing basis for needed changes Safran Wealth Advisors may also provide a form of targeted financial planning and consulting services that does not result in the creation of a comprehensive Financial Plan. Investment Management Investment Management is an integral part of the wealth management process. Safran Wealth Advisors provides investment portfolio management for all clients based on a recommended allocation determined during the financial planning process that is tailored to the individual needs of the client. As wealth managers, on more than an occasional basis, Safran Wealth advisors furnishes advice to clients on matters not involving securities, but on personal financial matters that may have a direct impact on a client’s financial situation. As of December 31, 2024, Safran Wealth Advisors managed approximately $119,000,000 in client assets for 96 clients; $111,000,000 is managed on a discretionary basis and $8,000,000 on a non- discretionary basis. Tailored Relationships Our services are tailored to meet our clients’ goals, objectives, and preferences. The goals and objectives for each client are documented in our client relationship management system. Investment policy statements are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Our client relationships vary in scope and our client relationships are longstanding. Types of Agreements Wealth Management Retainer Agreement The wealth management agreement incorporates financial planning and ongoing investment portfolio management for our clients. The financial plan may include, but is not limited to: a net worth and cash flow statement; a review of investment and retirement accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice and specific recommendations are provided as part of a financial plan. Portfolio assets are invested primarily in no-load mutual funds and exchange-traded funds. Investments may also include equities (stocks), fixed income securities, commercial paper, certificates of deposit, municipal bonds, U. S. government securities. Agreements may not be assigned without the client’s consent. Termination of Agreement A Client may terminate any of the aforementioned agreements at any time by notifying Safran Wealth Advisors in writing. Safran Wealth Advisors may terminate any of the aforementioned agreements at any time by notifying the client in writing. Upon termination, fees will be prorated through the date of termination and the unearned portion of the fee will be refunded to the client