Firm Description and Types of Advisory Services LWP is an investment adviser and is a fiduciary that is required to act in a client’s best interest at all times. LWP offers wealth management and financial planning services for individuals, pension and profit sharing plans, trusts, estates and charitable organizations, and corporations. LWP was founded in 1998. Principal Owners The majority owner of LWP is Laura A. Kuntz, Principal. Mallory Kretman is a minority owner of LWP. Types of Advisory Services Financial Planning Our financial planning service is offered based on an hourly fee to wealth management clients who request services outside of the scope of the normal wealth management service or for certain new clients who request a financial plan as a place to start. Services and advice may include:
• Review and formulation of personal financial planning goals and objectives.
• Analysis of cash inflow and outflow and /or budgeting and expense management.
• Planning for financial independence.
• Planning for education accumulation and education payment.
• Planning to enhance financial security at various catastrophic events (death, disability, etc.)
• Business planning including: retirement plans, succession planning, buy-sell planning, employee benefits, etc.
• General estate planning, including generally-accepted techniques to reduce death costs, and general discussion of techniques to provide for desired estate disposition; (services DO NOT include drafting wills, trusts, or any other legal documents or giving any legal advice. LWP and staff do not practice law.)
• Income tax reduction, especially in areas of retirement plans, employee benefits, and investment planning; but services DO NOT include tax preparation or detailed tax planning for a business or an individual. LWP and staff do not practice accountancy.
• Stock option, stock accumulation, and deferred compensation planning for executives.
• Creating an investment strategy that helps meet client’s goals. In doing this, the following services may be included: 1) Investment education, risk/reward trade-offs, historical performance information, advantages and disadvantages of types of investment providers; 2) Development of target investment returns; 3) Assessment of risk tolerance; 4) Review of current investments as to type and various key characteristics, i.e. such as past returns and past volatility, and/or general performance in comparison to similar or different investments; 5 Laurel Wealth Planning LLC 5) Development of an asset allocation strategy; and 6) In most, but not all cases, specific investment recommendations. Financial planning clients will receive a written detailed financial plan designed to achieve their stated financial goals and objectives. LWP gathers client information through in-depth personal interviews. Information gathered includes a client’s current financial status, goals, and attitudes towards risk. Related documents supplied by the client, including a questionnaire completed by the client, are carefully reviewed, and a written report is prepared. If a financial planning client chooses to implement the recommendations contained in the plan, LWP suggests the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client’s discretion. Financial planning recommendations are not limited to any specific product or service offered by a broker dealer or insurance company. All recommendations are of a generic nature. Wealth Management Services LWP provides continuous advice to clients regarding investment of client funds based on the individual needs of the client on a discretionary and non-discretionary basis. Through

personal discussions in which goals and objectives based on a client's particular circumstances are established, LWP develops a client's personal investment policy and creates and manages a portfolio based on that policy. LWP will manage advisory accounts on a discretionary and non-discretionary basis. Account supervision is guided by the stated objectives of the client (i.e., capital appreciation, growth, income, growth and income, etc.). LWP will create a portfolio consisting of one or all of the following: individual equities, bonds, open-end or closed-end mutual funds, no-load or load-waived mutual funds, ETFs and other investment products it seems suitable for the client. LWP will allocate the client's assets among various investments taking into consideration your goals and preferences. Open-end & closed-end mutual funds and ETFs will be selected on the basis of any or all of the following criteria: the fund's performance history; the industry sector in which the fund invests; the track record of the fund 's manager; the fund's investment objectives; the fund's management style and philosophy; the fund's management fee structure; liquidity options; strategies we are recommending as we monitor the global investment markets, etc. Portfolio weighting between funds and market sectors will be determined by each client's individual needs and circumstances. As part of wealth management services, LWP may offer ongoing advice in the areas listed in the Financial Planning services. In most cases, the fee for wealth management will incorporate this advice. In some cases, an additional fee will be required for certain services. Selection and Monitoring of Third Party Money Managers Client’s investment portfolios are managed either by our Investment Adviser Representatives or outside portfolio managers. We select and review outside portfolio managers based on the following factors:
• past performance; 6 Laurel Wealth Planning LLC
• cost;
• investment philosophy;
• market outlook;
• experience of portfolio managers and executive team;
• opinions of third party analysts;
• disciplinary, legal and regulatory histories of the firm and its associates;
• whether established compliance procedures are in place to address at a minimum, insider trading, conflicts of interest, anti-money laundering. We do not calculate portfolio manager performance. Instead, we rely upon the performance figures based on the client’s account statements or reports provided to us by the outside portfolio managers. We do, however, watch for several types of events in conjunction with poor performance. These events trigger an in-depth review of an outside portfolio manager and primarily include:
• Significant changes in asset allocation;
• Substantial drift in investment style; and/or
• Sustained under-performance. We do not verify the accuracy of such performance information or its compliance with presentation standards. As a result, performance information may not be calculated on a uniform and consistent basis. We have the ability to hire or delegate authority to independent third party investment managers to manage a portion of our client's portfolio through advisory management services programs and we have the ability to fire independent third party managers. Tailored Relationships LWP tailors wealth management and financial planning services to the individual needs of the client. The goals and objectives for each client are documented. Wrap Fee Programs LWP does not participate in a Wrap Fee Program. Client Assets As of December 31, 2023, $ 351,098,245 of LWP’s clients’ assets are managed on a discretionary basis and $ 3,611,812 of LWP’s clients assets are managed on a non- discretionary basis, which totals $ 354,710,057 of assets under management.