Firm Information We are an independent, fee-only registered investment adviser that acts in a fiduciary capacity when providing services to our clients. We provide wealth management, portfolio management, investment consulting/investment monitoring services, retirement plan consulting/management services and financial planning and consulting services. In delivering these services We derive all compensation from our clients and do not accept any commissions, referral fees or other fees from the sale of financial products. In April of 2023 Modera completed an asset purchase agreement with Parsec Financial Management, Inc, (Parsec) and in June of 2023 Modera completed an asset purchase agreement with Baldrige Asset Management, LLC (BAM). BAM ceased providing advisory services and now conducts all advisory services through Modera. The principal owner of Modera Wealth Management, LLC, is Modera Capital, Inc. We maintain offices in Boston, Massachusetts, Westwood and Morristown, New Jersey, Rye Brook and New York, New York, Atlanta, Georgia, Inverness, Florida, Wayne and Allentown, Pennsylvania, McLean, Virginia and Charlotte, Asheville, Tryon, Winston Salem, and Southern Pines in North Carolina. Fiduciary Statement 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, as described above, 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. Types of Advisory Services When providing advisory services, we shall not be required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant) and are expressly authorized to rely on such information provided. We may endorse our services and/or other professionals to implement the recommendations. A conflict of interest exists if we recommend our own services. The client is under no obligation to act upon any of our recommendations under a stand-alone financial planning/consulting engagement or to engage the services of any recommended professional, including us. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of our recommendations. Moreover, it is each client’s responsibility to notify us promptly in writing if there are any changes to their financial situation or investment objectives so that we may review, evaluate, or revise our previous recommendations and/or services. Wealth Management and Portfolio Management Services We primarily offer two ongoing forms of asset management services: wealth management and portfolio management. A client may engage us to provide a broad range of financial planning and consulting services along with management of all or a portion of a client’s assets on a discretionary or non-discretionary basis ("wealth management"). Depending on the engagement, for some legacy clients, such wealth management services can include business coaching and/or real estate coaching services. We offer clients discretionary or non-discretionary management of investment portfolios ("portfolio management"). Our portfolio management services do not include financial planning services. As discussed below, a portfolio management client can engage us for financial planning under a separate engagement (for which we may receive additional compensation). When we provide investment advice to you regarding your retirement plan account(s) or individual retirement account(s), 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, as described above, 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. We intend to allocate each client’s investment management assets on a discretionary or non-discretionary basis primarily among mutual funds, exchange traded funds and individual debt securities and to a lesser extent individual stocks as well as among certain "Independent Managers" in accordance with the client’s investment objectives and risk tolerance. We may provide advice about any type of investment held in a client’s portfolio. In addition, we may recommend that clients who are "accredited investors" as defined under Rule 501 of the Securities Act of 1933, as amended, invest in investments offered in a private offering ("private placement investments"), which can include securities of pooled investment vehicles which invest, among other things, in debt securities and/or equity securities when consistent with the client’s investment objectives and risk tolerance and at the client’s discretion. Certain private placement investments may be limited to clients who are "qualified purchasers" under Section 2(a)(51) of the Investment Company Act. We can render wealth management and portfolio management services to clients relative to variable life/annuity products that they may own; their individual employer-sponsored retirement plans; and 529 plans or other products that may not be held by the client’s primary custodian. In so doing, we allocate or recommend the allocation of client assets among the various investment options that are available. These client assets will be maintained at the specific insurance company or custodian designated by the product or plan; however, if we are not granted appropriate access and authority to trade, we will provide instruction regarding the trades to be made in the account(s) and the client will be responsible for completing those transactions. Investment Monitoring Services For certain legacy clients we also provide investment monitoring services, which include consulting on or monitoring of the clients outside investments. We do not provide wealth management or portfolio management services with respect to such outside investments and do not have authority over such outside investments. Retirement Plan Management and Consulting Services We offer services to retirement plans ("Plan[s]") and plan sponsors ("Sponsor[s]"). Our services may include (1) Discretionary Investment Management Services, (2) Non-Discretionary Investment Advisory Services and/or (3) Retirement Plan Consulting Services. Depending on the type of the Plan and the specific arrangement with the Sponsor, we may provide one or more of these services. Prior to being engaged by the Sponsor, we will provide a retirement plan agreement ("Agreement") that contains the information required under Sec. 408(b)(2) of the Employee Retirement Income Security Act ("ERISA") as applicable. We may deliver one or more of the following discretionary fiduciary services: Selection, monitoring & replacement of designated investment alternatives ("DIAs"): We will review with the Sponsor the investment objectives, risk tolerance and goals of the Plan and provide to the Sponsor an Investment Policy Statement ("IPS") that contains criteria from which we will select, monitor, and replace the Plan's DIAs. Once approved by the Sponsor, we will review the investment options available to the Plan and will select the Plan's DIAs in accordance with the criteria set forth in the IPS. On a periodic basis, we will monitor and evaluate the DIAs and replace any DIA(s) that no longer meet the IPS criteria. Selection, monitoring & replacement of qualified default investment alternative ("QDIAs"): Based upon the options available to the Plan, we will select, monitor, and replace the Plan's QDIA(s) in accordance with the IPS. Creation & maintenance of model allocation portfolios ("Models"): We will create a series of risk-based Models comprised solely among the Plan's DIAs; and, on a periodic basis and/or upon reasonable request,

we will reallocate and rebalance the Models in accordance with the IPS or other guidelines approved by the Sponsor. Management of Trust Fund (with respect to pooled plans): We will review with the Sponsor the investment objectives, risk tolerance and goals of the Plan and provide to the Sponsor an IPS that contains criteria from which we will select, monitor, and replace the Plan's investments. Once approved by the Sponsor, we will review the investment options available to the Plan and will select the Plan's investments in accordance with the criteria set forth in the IPS. On a periodic basis, we will monitor and evaluate the investments and replace any investment(s) that no longer meet the IPS criteria. When we are acting in a non-discretionary capacity, we will review the investment options available to the Plan and recommend investments to the Sponsor for the Plan. We will provide reports, information, and recommendations, on a periodic basis, designed to assist Sponsor with monitoring the Plan’s Investments. If the IPS criteria require any investment(s) to be removed, we will recommend to the Sponsor replacement investment(s). Selection & Management of Third-Party Managers (with respect to certain legacy client pooled plans): Based on the Plan's IPS or other investment guidelines established by the Plan, we will review the third-party investment managers available to the Plan and select a third-party investment manager to manage some or all of the Plan's investments. We will provide reports, information, and recommendations, on a periodic basis, designed to assist the Sponsor with monitoring the manager. If the IPS criteria require any manager to be removed, we will replace the manager. Retirement Plan Consulting Services are designed to allow assistance to the Plan Sponsors in meeting fiduciary duties to administer the Plan in the best interests of Plan participants and their beneficiaries. Retirement Plan Consulting Services are performed so that they would not be considered "investment advice" under ERISA. We will also provide the following Retirement Plan Consulting Services:
• Administrative Support including the following specific services: o Assist the Sponsor in reviewing objectives and options available through the Plan. o Recommend Plan participant education and communication policies. o Deliver fiduciary training and/or education periodically or upon reasonable request.
• Service Provider Support including the following services: o Assist Sponsor with review of Covered Service Providers ("CSP") and fee benchmarking. o Coordinate and assist with CSP replacement and conversion.
• Investment Monitoring Support including the following services: o Periodic review of investment policy in the context of Plan objectives.
• Participant Services including the following services: o Facilitate group enrollment meetings and coordinate investment education. In providing Retirement Plan Services, we may establish a client relationship with one or more plan participants or beneficiaries. Such client relationships develop in various ways, including, without limitation, a decision by the Plan participant or beneficiary to purchase services from us not involving the use of Plan assets; as part of an individual or family financial plan for which any specific recommendations concerning the allocation of assets or investment recommendations relating to assets held outside of the Plan; or through a rollover of an Individual Retirement Account ("IRA Rollover"). If we are providing Retirement Plan Services to a plan, we can, when requested by a plan participant or beneficiary, arrange to provide services to that participant or beneficiary through a separate agreement. If a Plan participant or beneficiary desires to affect an IRA Rollover from the Plan to an account advised or managed by us, we will have a conflict of interest if our fees are reasonably expected to be higher than those we would otherwise receive in connection with the Retirement Plan Services. We will disclose relevant information about the applicable fees charged by us prior to opening an IRA account. Any decision to affect the rollover or about what to do with the rollover assets remain that of the plan participant or beneficiary alone. For certain legacy clients we also provide retirement plan consulting services through a turn-key asset management program. Such services are provided through Buckingham Strategic Partners’ ("BSP") (formerly, BAM Advisor Services, LLC) Advisor Access™ 401(k) service, which includes access to model investment portfolios and administrative and marketing support services. Stand-Alone Financial Planning and Consulting Services We separately can provide our clients with stand-alone financial planning and consulting services (which could include non-investment related matters). These services may include one or more of: business planning, investments, insurance planning, retirement planning, education funding, estate planning, tax planning, and cash flow planning. Trust Services Modera uses a third-party corporate trustee for some legacy clients. The Trustee will collect and distribute income, provide recordkeeping, produce required tax reporting and provide for the administration and disposition of trust assets as directed by the governing document. Tax Preparation Services Modera provides tax planning and preparation services for some legacy clients who also receive wealth management or portfolio management services as well as others who receive no such services. These clients enter into a separate service agreement outlining the terms of the engagement each tax year. Personal Trustee Services We are required to disclose arrangements with clients that present a perceived conflict of interest. Certain of our Wealth Managers serve as personal trustees for clients. These roles do not create a "Custody" arrangement as they are positions for family members or for close personal relationships that pre-dated the client relationship with the Firm. We do not and would not give preferential treatment to these clients with any of the services provided or securities recommended and/or purchased. Use of Independent Managers As mentioned above, in certain circumstances for certain wealth management or portfolio management clients, we can allocate a portion of their assets to be actively managed on a discretionary basis by certain independent investment manager(s) ("Independent Manager(s)"), based upon the client’s stated investment objectives and risk tolerance. The terms and conditions under which the client engages the Independent Manager(s) are set forth in separate written agreements between us and/or the client and the designated Independent Manager(s). We will continue to render services to the client relative to the discretionary selection and retention of Independent Manager(s) as well as monitoring and reviewing account performance and client investment objectives, for which we will receive an annual management fee based upon a percentage of the market value of the assets being managed by the designated Independent Manager(s) in accordance with the applicable fee schedule in Item 5 below. When selecting an Independent Manager for a client, we will review information about the Independent Manager such as its disclosure statement and/or material supplied by the Independent Manager or independent third parties for a description of the Independent Manager’s investment strategies, past performance, and risk results, to the extent available. Factors we consider in selecting and retaining Independent Manager(s) include the client’s stated investment objectives and risk tolerance, management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fees the designated Independent Manager charges, together with the fees charged by the corresponding designated broker-dealer/custodian of the client’s assets, are exclusive of, and in addition to, our wealth management fee or portfolio management fee as set forth below in Item 5. As also discussed in