FIRM DESCRIPTION ZRC Wealth Management, LLC (“ZRC”) is an independently owned Limited Liability Company founded in 1999 as an investment advisor registered with the U.S. Securities and Exchange Commission (SEC). ZRC provides fee-only, investment advisory, discretionary portfolio management, and comprehensive financial planning services. ZRC specializes in helping investors create long-term wealth and fund their life’s goals. ZRC’s investment approach is based on timeless economic principles and academically proven investment strategies. The firm is 100% owned by Barry Mendelson. Advice is provided through consultation with the client and may also include: determination of financial objectives, identification of financial problems, cash flow management, investment management, education funding, retirement planning, and estate planning. ZRC is a fee-only investment management firm. The firm does not participate in wrap fee programs, nor does it sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the investor. WEALTH ADVISORY SERVICES OFFERED INVESTMENT ADVISORY, WEALTH ADVISORY, & DISCRETIONARY PORTFOLIO MANAGEMENT ZRC provides investment advice and discretionary portfolio management to individuals, families, high net- worth investors, pension and profit-sharing plans, trusts, estates, and small businesses. Through personal discussions about goals, objectives, risk tolerance, and other considerations, ZRC develops a personalized investment plan (which is often referred to as the Investment Policy). ZRC then manages the client’s portfolio based on that policy and works with the client to further their financial goals. ZRC will typically create a portfolio of no-load or load-waived mutual funds, exchange traded funds, exchange traded notes, and other securities to achieve the client’s goals and reflect their investment policy statement. ZRC will allocate the client’s assets among various asset classes, taking into consideration the investment risk-tolerance of the client. Mutual funds 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 correlation to other funds; the fund’s investment objectives; the fund’s management style and philosophy; and the fund’s management fee structure. Each client’s individual needs and circumstances will determine portfolio weighting between equity and fixed income. Clients will have the opportunity to place reasonable restrictions on the types of investments which will be made on the client’s behalf. Clients will retain ownership of all securities. During its periodic reviews, if ZRC believes that a particular investment is performing inadequately, or if ZRC believes that a different investment is more suitable for the client’s account, then ZRC will replace it. ZRC monitors client accounts frequently including the individual investments held. ZRC reviews each portfolio at least four times a year to determine if the accounts need to be rebalanced. Some accounts are reviewed and rebalanced more frequently when appropriate. The annual fee for these services is based on a percentage of the investable assets according to the following schedule: 1.00% on the first $1,000,000 plus 0.80% on the next $1,000,000 (from $1,000,001 to $2,000,000) plus 0.60% on the next $3,000,000 (from $2,000,001 to $5,000,000) plus 0.40% on the next $5,000,000 (from $5,000,001 to $10,000,000) plus 0.25% on the assets above $10,000,000 While ZRC does not require a minimum level of investment assets, there is a minimal annual fee of $5,000. At our discretion, we may waive this minimum or negotiate a different fee schedule based on the nature of the client relationship. The exact fee schedule will be approved by the client in their advisory agreement at the inception of the relationship. Fees are due and payable in advance on the first day of each calendar quarter and are based on the value of the portfolio. Fees for clients that were formerly clients of Just Plans are due and payable in arrears on the last day of each calendar quarter and are based on the value of the portfolio. From time to time, we negotiate alternative fee schedules. Clients that were previously clients of Northgate Advisors, Just Plans, Elevation Wealth Management, Jacobson Wealth Management or Phocas Financial may have a different fee schedule. Family pricing may be available where fees are calculated based on the total assets managed for the family group. Family members may include parents, children, grandchildren, siblings, and cousins. We will deduct our fee directly from your account through the qualified custodian holding your funds and securities. We will deduct our fee only when the following requirements are met: ▪ You provide our firm with written authorization permitting the fees to be paid directly from your account held by the qualified custodian. ▪ We send you an invoice showing the amount of the fee, the value of the assets on which the fee is based, and the specific manner in which the fee was calculated. ▪ The qualified custodian agrees to send you a statement, at least quarterly, indicating all amounts dispersed from your account including the amount of the advisory fee paid directly to our firm. In addition to the advisory and portfolio management services detailed above, ZRC also manages qualified retirement accounts, such as 401(k), 403(b), and 457 accounts through Pontera. These accounts benefit from our professional

management and are subject to the same review processes as other assets. Fees for managing these accounts are assessed quarterly based on the account's end-of-quarter value and prorated for partial periods. For these accounts, due to their nature, fees are allocated to the client's taxable accounts or billed directly in the absence of a taxable account. You may terminate the Relationship Agreement upon 30-day written notice to our firm. You will incur a pro rata charge for services rendered prior to the termination of the agreement, which means you will incur advisory fees only in proportion to the number of days in the quarter that you are a client. We encourage you to reconcile our invoices with the statement(s) you receive from the qualified custodian. If you find any inconsistent information, please call our main office number located on the cover page of this brochure. COMPREHENSIVE FINANCIAL PLANNING ZRC offers Comprehensive Financial Planning services. Here, a financial planner at the firm works with the client to gather information and develop a comprehensive financial plan using industry leading software. The following areas may be considered or addressed in the financial plan: ▪ Investment & Portfolio Analysis ▪ Retirement Planning ▪ Stock Option & Equity Comp Planning ▪ Education Planning ▪ Estate Planning Needs Analysis ▪ Life or Career Change ▪ Tax Planning ▪ Insurance & Risk-Management Analysis ▪ Employee Benefits Analysis ▪ Executive Benefits ▪ Home Financing and Mortgage Analysis ▪ Large Purchase Analysis ▪ Debt Management ▪ Cash Flow & Budgeting For most clients, financial planning is provided at no additional charge. For others, financial planning services are offered at the rate of $250/hour and subject to a two-hour minimum. Plan fees typically range from $2,000 to $20,000. An estimate of the total time/cost will be determined at the start of the relationship based on the scope and complexity of the plan, your situation, and your financial goals. You may terminate the Financial Planning Agreement by providing written notice to our firm. You will be charged for hourly services that have been provided prior to the termination of the Financial Planning Agreement. We will not require prepayment of a fee in excess of $1,200 for services not performed within 6 months of the initial engagement. You will be entitled to receive a refund for fees and hours unused. ACCOUNT ADMINISTRATOR For some clients, ZRC retains an independent third-party account administrator Buckingham Strategic Partners, LLC that performs certain services, such as account administration, portfolio allocation analysis, asset-class investment strategy, back-office fulfillment, report and statement production, and fee debiting. Such services are paid directly through advisory fees billed to the client. Buckingham Strategic Partners, LLC is an investment adviser registered with the Securities and Exchange Commission. Buckingham Strategic Partners, LLC may also sponsor educational seminars for the benefit of ZRC and its clients. Such educational seminars provide ZRC with access to information and ideas regarding practice development, client servicing, investment strategy, relationship management and financial planning. Attendance expenses associated with such educational seminars may be paid or reimbursed, either in whole or in part, by Buckingham Strategic Partners, LLC. ZRC may recommend, where appropriate, a client invest in shares of the SA Funds – Investment Trust (the “SA Funds”), a family of ten asset class mutual funds advised, managed and administrated by Buckingham Strategic Partners, LLC (and co-managed by Dimension Fund Advisors). Fees are not charged directly on investments in the SA Funds. Buckingham Strategic Partners, LLC does not charge fees directly on investments into the SA Funds because Buckingham Strategic Partners, LLC receives certain fees and expenses directly from the SA Funds for its services as disclosed in that Fund’s prospectus. SELECTION OF OTHER ADVISERS As part of our investment advisory services, we may recommend that you use the services of a third party money manager (“MM”) to manage all, or a portion of, your investment portfolio. In selecting a MM, we will ensure that the MM is properly licensed or registered as an investment adviser. After gathering information about your financial situation and objectives, we may recommend that you engage a specific MM or investment program. Factors that we take into consideration when making our recommendation(s) include, but are not limited to, the following: the MM’s performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. We will periodically monitor the MM(s)’ performance to ensure its management and investment style remains aligned with your investment goals and objectives. We do not charge a separate fee for the selection of other advisers. We will not share in the advisory fee you pay directly to the MM. The advisory fee you pay to the MM is established and payable in accordance with the brochure provided by each MM to whom you are referred. These fees may or may not be negotiable. You will be required to sign an agreement directly with the recommended MM(s). You may terminate your advisory relationship with the MM according to the terms of your agreement with the MM. You should review each MM’s brochure for specific information on how you may terminate your advisory relationship with the MM and how you may receive a refund, if applicable. You should contact the MM directly for questions regarding your advisory agreement with the MM. Assets Under Management As of February 28, 2024, ZRC manages $483,111,794 in client assets on a discretionary basis and $1,987,323 in client assets on a non-discretionary basis. Total firm AUM: $485,099,117. You should be aware that lower fees for comparable services may be available from other providers.