Rede Wealth offers a variety of advisory services, which include financial planning, investment management and wealth management services. In dealing with clients, the Firm seeks first to evaluate a client’s current, holistic financial situation prior to managing their investments. Rede Wealth then designs and implements an investment plan aimed at achieving a client’s financial objectives. Prior to Rede Wealth rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Rede Wealth setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). Rede Wealth started conducting business as an investment adviser in January 2015 and is owned by Stephen McNaughton and Matthew Dawson. As of December 2022, Rede Wealth had $ 239,346,482in assets under management, $ 183,064,380of which was managed on a discretionary basis, and $ 56,282,102of which was managed on a non-discretionary basis. While this brochure generally describes the business of Rede Wealth, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or any other person who provides investment advice on Rede Wealth’s behalf and is subject to the Firm’s supervision or control. Investment and Wealth Management Services The Firm generally provides clients with wealth management services which may include financial planning services, as well as the discretionary management of investment portfolios. Under a wealth management engagement, Rede Wealth primarily allocates client assets among various exchange-traded funds (“ETFs”), stocks and independent investment managers (“Independent Managers”). On a limited basis, the Firm may also utilize mutual funds, bonds, options, real estate investment trusts (“REITs”) and master limited partnerships (“MLPs”). Where appropriate, the Firm may also provide advice about any type of legacy position or other investment held in client portfolios to achieve their stated investment objectives. Clients may also engage Rede Wealth to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, the Firm directs or recommends the allocation of client assets among the various investment options available within the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Rede Wealth tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on

a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. The Firm consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify Rede Wealth if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients may impose reasonable restrictions or mandates on the management of their accounts if Rede Wealth determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Use of Independent Managers As mentioned above, Rede Wealth may select certain Independent Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages an Independent Manager may be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure, clients may also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. Rede Wealth evaluates a variety of information about Independent Managers, which may include the Independent Managers’ public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, the Firm seeks to assess the Independent Managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. Rede Wealth also takes into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers, and seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Sponsor and Manager of Wrap Program The Firm provides a limited number of its wealth management services as the sponsor and manager of, and through, the Rede Wealth, LLC Wrap Fee Program (the “Wrap Program”), an arrangement where brokerage commissions and transaction costs are absorbed by the Firm. Participants in the Wrap Program may pay a higher aggregate fee than if investment management and brokerage services are purchased separately. Additional information about the Wrap Program is available in the Firm’s Wrap Brochure, which appears as Part 2A Appendix 1 of the Firm’s Form ADV.