BIRCHCREEK WEALTH MANAGEMENT, LLC

Birchcreek Wealth Management, LLC Form ADV Part 2A – Disclosure Brochure Effective: June 11, 2025 This Form ADV 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Birchcreek Wealth Management, LLC (“Birchcreek Wealth” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (937) 567-0646. Birchcreek Wealth is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information through Birchcreek Wealth to assist you in determining whether to retain the Advisor. Additional information about Birchcreek Wealth and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 304207. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplements"). The Disclosure Brochure provides information about a variety of topics relating to an advisor’s business practices and conflicts of interest. The Brochure Supplements provide information about the Advisory Persons of Birchcreek Wealth. For convenience, the Advisor has combined these documents into a single disclosure document. Birchcreek Wealth believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Birchcreek Wealth encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the last annual amendment filing on February 19th, 2025: • The Advisor has amended its financial planning fees and billing methodology. Please see item 5 for additional information. • The Advisor has amended its collaborative consulting and investment advisory fees. Please see item 5 for additional information. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations, or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of Birchcreek Wealth. At any time, you may view the current Disclosure Brochure online at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or our CRD# 304207. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (937) 567- 0646. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page ..................................................................................................................................... 1 Item 2 – Material Changes ........................................................................................................................... 2 Item 3 – Table of Contents .......................................................................................................................... 3 Item 4 – Advisory Services ......................................................................................................................... 4 A. Firm Information .................................................................................................................................................. 4 B. Advisory Services Offered ................................................................................................................................... 4 C. Client Account Management ............................................................................................................................... 7 D. Wrap Fee Programs ............................................................................................................................................ 7 E. Assets Under Management ................................................................................................................................. 7 Item 5 – Fees and Compensation ............................................................................................................... 7 A. Fees for Advisory Services .................................................................................................................................. 7 B. Fee Billing ............................................................................................................................................................ 8 C. Other Fees and Expenses ................................................................................................................................... 9 D. Advance Payment of Fees and Termination ....................................................................................................... 9 E. Compensation for Sales of Securities ............................................................................................................... 10 Item 6 – Performance-Based Fees and Side-By-Side Management ...................................................... 10 Item 7 – Types of Clients ........................................................................................................................... 10 Item 8 – Methods of Analysis, Investment Strategies, and Risk of Loss ............................................. 11 A. Methods of Analysis .......................................................................................................................................... 11 B. Risk of Loss ....................................................................................................................................................... 11 Item 9 – Disciplinary Information ............................................................................................................. 12 Item 10 – Other Financial Industry Activities and Affiliations ............................................................... 12 Item 11 – Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading ... 13 A. Code of Ethics ................................................................................................................................................... 13 B. Personal Trading with Material Interest ............................................................................................................. 13 C. Personal Trading in Same Securities as Clients ............................................................................................... 13 D. Personal Trading at Same Time as Client ......................................................................................................... 13 Item 12 – Brokerage Practices .................................................................................................................. 13 A. Recommendation of Custodian[s] ..................................................................................................................... 13 B. Aggregating and Allocating Trades ................................................................................................................... 14 Item 13 – Review of Accounts .................................................................................................................. 15 A. Frequency of Reviews ....................................................................................................................................... 15 B. Causes for Reviews ........................................................................................................................................... 15 C. Review Reports ................................................................................................................................................. 15 Item 14 – Client Referrals and Other Compensation .............................................................................. 15 A. Compensation Received by Birchcreek Wealth ................................................................................................ 15 B. Compensation for Client Referrals .................................................................................................................... 15 Item 15 – Custody ...................................................................................................................................... 16 Item 16 – Investment Discretion ............................................................................................................... 16 Item 17 – Voting Client Securities ............................................................................................................ 16 Item 18 – Financial Information ................................................................................................................ 16 Form ADV Part 2B – Brochure Supplement ............................................................................................ 17 Form ADV Part 2B – Brochure Supplement ............................................................................................ 20 Form ADV Part 2B – Brochure Supplement ............................................................................................ 23 Privacy Policy ............................................................................................................................................ 26 Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 3  Item 4 – Advisory Services A. Firm Information Birchcreek Wealth Management, LLC (“Birchcreek Wealth” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). Birchcreek Wealth is organized as a limited liability company under the laws of the State of Ohio. Birchcreek Wealth was founded in June 2019 and is owned by Daniel Johnson, CFPÒ, CPFA (Principal and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Birchcreek Wealth. B. Advisory Services Offered Birchcreek Wealth offers advisory services to individuals, high net worth individuals, families, trusts, estates, and pension and retirement plans (each referred to as a “Client”). Birchcreek Wealth provides a holistic approach to its wealth advisory services. Client engagements typically include comprehensive financial planning and investment management services as described below. Services are tailored to the unique needs of each Client. The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness, and good faith towards each Client and seeks to mitigate potential conflicts of interest. Birchcreek’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services Birchcreek Wealth provides customized wealth management solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary and non-discretionary investment management and planning services. Birchcreek Wealth works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create an investment strategy. Birchcreek Wealth customizes its investment management services for its Clients. Birchcreek Wealth will implement the investment strategy with its internal management and/or the use of unaffiliated money managers or investment platforms (as described below). Internal Investment Management – Portfolios may be constructed using open-end mutual funds, exchange- traded funds (“ETFs”), individual equity securities, and/or individual fixed income securities. For certain Clients, the Advisor may utilize tax-free municipal bonds and other types of investments. For certain Clients, the Advisor may employ leveraged ETFs and/or the short-term use of margin. For mutual funds, the Advisor selects active and passive managers and will seek institutional share classes when available. The Advisor may also utilize options, as appropriate, to meet the needs of certain Clients. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. Birchcreek Wealth’s investment strategy is primarily long-term investment focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Birchcreek Wealth will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Retirement Plan Accounts – When deemed to be in the Client’s best interest, the Advisor will recommend that a Client rollover its retirement plan account into an account managed by the Advisor. In such instances, the Advisor will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). Such a recommendation creates a conflict of interest if the Advisor earns a new (or increases its current) advisory fee as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by the Advisor. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 4  At no time will Birchcreek Wealth accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the Client investment advisory agreement. Please see Item 12 – Brokerage Practices. Use of Independent Managers - Birchcreek Wealth will recommend that Clients utilize one or more unaffiliated money managers or investment platforms (collectively “Independent Managers”) for all or a portion of the Client’s investment portfolio based on the Client’s needs and objectives. Independent Managers may be sourced directly or accessed through an investment management platform. In such instances, the Client will be required to enter into an investment management agreement with an Independent Manager that defines the term in which the Independent Manager will provide its services. Birchcreek Wealth serves as the Client’s primary advisor and relationship manager. However, the Independent Manager[s] will assume discretionary authority for the day-to-day investment management of those assets placed in their control. Birchcreek Wealth will assist and advise the Client in establishing investment objectives for their account[s], the selection of the Independent Manager[s], and defining any restrictions on the account[s]. Birchcreek Wealth will continue to provide oversight of the Client’s account[s] and ongoing monitoring of the activities of these unaffiliated parties. The Independent Manager[s] will implement the selected investment strategies based on their investment mandates. The Client may be able to impose reasonable investment restrictions on these accounts, subject to the acceptance of these third parties. Prior to entering into an agreement with an Independent Manager, the Client will be provided with the Form ADV Part 2A (or a brochure that makes the appropriate disclosures) of those parties. Birchcreek Wealth does not receive any compensation from these Independent Managers or Investment Platforms other than Birchcreek Wealth’s investment advisory fee (described in Item 5). Financial Planning Services Financial planning services may be included in an overall wealth management engagement or provided as a separate service pursuant to the terms of the agreement with the Client. Birchcreek Wealth will typically provide a variety of financial planning and consulting services to Clients. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. A financial plan developed for financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings, and/or charitable giving programs. In certain circumstances, Birchcreek Wealth may also refer Clients to an accountant, attorney, or other specialist, as appropriate for the Client’s unique situation. For certain financial planning engagements, the Advisor will generally provide a written report that contains observations and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six (6) months of the contract date, assuming all information and documents requested are provided promptly. Financial planning recommendations pose a potential conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 5  Collaborative Consulting Services Birchcreek Wealth provides collaborative consulting services to Clients pursuant to a written collaborative consulting agreement. Generally, such services will involve being an educator and facilitator in all matters relating to the Client’s finances. Birchcreek Wealth will work to gather any financial related information deemed necessary to assist all parties in the collaborative process to come together for a mutually agreeable settlement. This consulting may encompass one or more areas of need, including, but not limited to the following: • Preparing, reviewing, and/or updating schedules of your and your spouse’s income, expenses, assets, retirement benefits, liabilities, and net worth. • Preparing and reviewing options for property settlement schedules, spousal support, and/or child support for use during the collaborative Process, including analysis of the financial results and implications of such options. • Providing tax related planning assistance regarding payment of spousal maintenance, child support, and property distributions, as applicable. • Contacting other professionals as the need arises to assist with other areas of expertise. • Answering any questions, you have and providing any needed information to help you make educated decisions about the financial aspects of divorce, including the implications for your financial future. Collaborative consulting services rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. The Advisor also may or may not provide written reports and financial schedules to the Client as needed. Clients should review the written reports or financial schedules and note any incorrect or missing information through the engagement, to the best of their ability. All other professionals contacted by the Advisor will be approved by the Client before being brought onto the collaborative team. The Client will be responsible for any costs relating to the approved other professionals being involved in the collaborative process. Collaborative consulting Clients are not obligated to implement any recommendations made by the Advisor and may or may not maintain an ongoing relationship with the Advisor. Birchcreek Wealth does not provide legal advice through its collaborative consulting services. Retirement Plan Advisory Services Birchcreek Wealth provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: • Vendor Analysis • Plan Participant Enrollment and Education Tracking • Investment Policy Statement (“IPS”) Design and Monitoring • Investment Oversight Services (ERISA 3(21)) • Investment Management Services (ERISA 3(38)) • Performance Reporting • Ongoing Investment Recommendation and Assistance • ERISA 404(c) Assistance • Benchmarking Services These services are provided by Birchcreek Wealth, serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of Birchcreek Wealth’s fiduciary status, the specific services to be rendered, and all direct and indirect compensation the Advisor reasonably expects under the engagement. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 6  C. Client Account Management Prior to engaging Birchcreek Wealth to provide advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority, and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – Birchcreek Wealth will develop a strategy that seeks to achieve the Client’s goals and objectives. • Asset Allocation – Birchcreek Wealth will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client. • Portfolio Construction – Birchcreek Wealth will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – Birchcreek Wealth will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Birchcreek Wealth does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Birchcreek Wealth. E. Assets Under Management As of December 31, 2024, Birchcreek Wealth manages $255,299,909 in Client assets, $242,478,791 of which are managed on a discretionary basis and $12,821,118 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Investment Advisory Services Investment advisory fees are paid monthly, in advance of each month, pursuant to the terms of the investment advisory agreement. Fees are calculated based on the market value of assets under management with the Advisor at the end of the prior month. Fees range from 0.25% to 1.50% annually based on several factors, including the complexity of the services to be provided, the level of assets to be managed, and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions, and other complexities may be charged a higher fee. The investment advisory fee in the first month of service is prorated from the inception date of the Client’s account[s] to the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The investment advisory fee may also include financial planning services at the discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Birchcreek Wealth will be independently valued by the Custodian. Birchcreek Wealth will conduct periodic reviews of the Custodian’s valuations to ensure accurate billing. Clients may make additions to and withdrawals from their account[s] at any time, subject to Birchcreek Wealth’s right to terminate an account. Additions may be in cash or securities provided that Birchcreek Wealth reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Birchcreek Wealth, subject to the usual and customary securities settlement procedures. However, Birchcreek Wealth designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Birchcreek Wealth may consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 7  that when transferred securities are liquidated, they are subject to transaction fees, fees assessed at the mutual fund level (i.e., contingent deferred sales charge), and/or tax ramifications. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C. below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Financial Planning Services Birchcreek Wealth may include financial planning as part of its overall investment advisory services or under a separate agreement. For separate engagements, Birchcreek Wealth offers project-based and ongoing financial planning services on either an hourly basis or for a fixed fee. Hourly engagements are billed at a rate of up to $500 per hour. Fixed fees are negotiated based on the scope and complexity of the services to be provided and range up to $50,000 annually payable monthly in arrears. Fees may be negotiable at the sole discretion of the Advisor, depending on the nature and complexity of services to be provided. For project-based financial planning, an estimate for total hours and/or costs will be provided to the Client before engaging in these services. For clients who opt to engage in wealth management services within 30 days of completing a separate financial planning engagement, the Advisor will adjust the wealth management fees on a pro-rated basis to reflect the financial planning fees previously collected during the prior engagement. Collaborative Consulting Services Birchcreek Wealth’s collaborative consulting services requires an initial retainer fee of $2,500, from which the Advisor bills at an hourly rate of $350 per hour. Hourly fees beyond the initial retainer will be billed at an hourly rate of $350 per hour. Fees may be negotiable at the sole discretion of the Advisor, depending on the nature and complexity of services to be provided. An estimate for total hours and/or costs will be provided to the Client prior to engaging in these services. Retirement Plan Advisory Services Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.25% and are billed in advance of each month or quarter, pursuant to the terms of the agreement. Retirement plan fees are based on the market value of assets under management at the end of the prior month or quarter. Fees may be negotiable depending on the size and complexity of the Plan. B. Fee Billing Investment Advisory Services Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective month. The amount due is calculated by applying the monthly rate (annual rate divided by 12) to the total assets under management with Birchcreek Wealth at the end of the prior month. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting the deduction of the investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted by Birchcreek Wealth directly from their accounts held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 8  Use of Independent Managers For Client accounts implemented through an Independent Manager, the Client’s overall fees may include Birchcreek Wealth’s investment advisory fee (as noted above) plus investment management fees and/or platform fees charged by the Independent Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may assume responsibility for calculating the Client’s fees and deducting all fees from the Client’s account[s]. Financial Planning Services Fees for ongoing financial planning services are invoiced monthly in arrears pursuant to the terms of the executed financial planning agreement. Fees for project-based financial planning services may be invoiced up to 50% upon execution of the financial planning agreement, with the balance due upon completion of the engagement deliverable[s]. Certain Clients may have their planning fees included with their overall investment advisory fees. Collaborative Consulting Services Fees for the initial retainer will be required upfront and deducted by the Advisor as invoiced. Hourly fees charged by the Advisor beyond the initial retainer will be billed at the end of each month and an additional retainer fee may be established. Retirement Plan Advisory Services Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the rate, billing frequency, and other terms of the retirement plan advisory agreement. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties other than Birchcreek Wealth in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian and fees charged by Independent Managers. The Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity trades in Client accounts but typically charges for mutual funds and other types of investments. The fees charged by the Advisor are separate and distinct from these custody and execution fees. In addition, all fees paid to Birchcreek Wealth for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of Birchcreek Wealth, but would not receive the services provided by Birchcreek Wealth which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Birchcreek Wealth to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Investment Advisory Services Birchcreek Wealth is compensated for its investment advisory services in advance of the month in which investment advisory services are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five- day period, the Client will incur charges for bona fide advisory services rendered to the point of termination, and such fees will be due and payable by the Client. Upon termination, the Client shall be responsible for investment advisory fees up to and including the effective date of termination. The Advisor will refund any unearned, prepaid fees from the effective date of termination to the end of the month. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 9  Use of Independent Managers In the event that the Advisor has determined that an Independent Manager is no longer in the Client’s best interest, or a Client should wish to terminate their relationship with the Independent Manager, the terms for the termination will be set forth in the respective agreements between the Client or the Advisor and the Independent Manager. Birchcreek Wealth will assist the Client with the termination and transition as appropriate. Financial Planning Services For ongoing financial planning engagements, Birchcreek Wealth is compensated following the end of each month. For project-based financial planning engagements Birchcreek may be compensated up to 50% in advance. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, for ongoing financial planning services, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. After the five-day period, for project-based engagements, the Client shall be billed for the percentage of the engagement scope completed by the Advisor for the project-based engagement. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Collaborative Consulting Services Birchcreek Wealth is compensated for its collaborative consulting services in advance of the engagement (Please see Item 5.A. above.). Either party may terminate the collaborative consulting agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the collaborative consulting agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination, and such fees will be due and payable by the Client. If the retainer fee is not used within 180 days or upon termination, whichever is sooner, the Advisor will refund any unearned, prepaid fees. The Client’s collaborative consulting agreement with the Advisor is non-transferable without the Client’s prior consent. Retirement Plan Advisory Services Birchcreek Wealth is compensated for its services at the beginning of the period before advisory services are rendered. Either party may request to terminate the retirement plan advisory agreement, at any time, by providing advance written notice to the other party. Upon termination, the Client shall be responsible for retirement plan advisory fees up to and including the effective date of termination, and the Advisor will refund any unearned, prepaid fees from the effective date of termination to the end of the month or quarter, as applicable. The Client’s retirement plan advisory agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities Birchcreek Wealth does not buy or sell securities and does not receive any compensation for securities transactions in any Client account other than the investment advisory fees noted above. Item 6 – Performance-Based Fees and Side-By-Side Management Birchcreek Wealth does not charge performance-based fees for its investment advisory services. The fees charged by Birchcreek Wealth are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Birchcreek Wealth does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Birchcreek Wealth offers investment advisory services to individuals, high net worth individuals, families, trusts, estates, and retirement plans. Birchcreek Wealth generally does not impose a minimum size for establishing a relationship. However, certain investments and strategies may require certain minimums for effective implementation. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 10  Item 8 – Methods of Analysis, Investment Strategies, and Risk of Loss A. Methods of Analysis Birchcreek Wealth primarily employs fundamental analysis methods in developing investment strategies for its Clients. Research and analysis from Birchcreek Wealth are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases, and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. As noted above, Birchcreek Wealth generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Birchcreek Wealth will typically hold all or a portion of a security for more than a year but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Birchcreek Wealth may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector, or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Birchcreek Wealth will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk, and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals, or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 11  risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Leveraged and Inverse ETFs Leveraged and Inverse ETFs are not suitable for all investors and should be utilized only by sophisticated investors who understand leverage risk consequences of seeking daily leveraged investment results and intend to actively monitor and manage their investments. Leveraged ETFs are not designed to track the underlying index over periods longer than one trading day. The use of leverage increases the level of investment risk. Leverage will magnify gains or losses on those investments. Inverse ETFs lose value when the underlying investments rise in value. The investments have the risk of not meeting their stated daily investment objectives over a long-term period. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily; therefore, a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Margin Borrowings The use of short-term margin borrowings may result in certain additional risks to a Client. For example, if securities pledged to brokers to secure a Client's margin accounts decline in value, the Client could be subject to a "margin call" pursuant to which it must either deposit additional funds with the broker or be the subject of mandatory liquidation of the pledged securities to compensate for the decline in value. Options Contracts Investments in options contracts have the risk of losing value in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock. This leverage can compound gains or losses. Past performance is not a guarantee of future returns. Investing in securities and other investments involves a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory, or disciplinary events involving Birchcreek Wealth or its management. Birchcreek Wealth values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 304207. Item 10 – Other Financial Industry Activities and Affiliations The sole business of Birchcreek is to provide investment advisory services to its Clients. Neither Birchcreek nor its advisory personnel are involved in other business endeavors. Birchcreek does not maintain any affiliations with other firms, other than contracted service providers to assist with the servicing of its Clients’ accounts. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 12  Item 11 – Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading A. Code of Ethics Birchcreek Wealth has implemented a Code of Ethics that defines the Advisor’s fiduciary commitment to each Client. This Code of Ethics applies to all persons associated with Birchcreek Wealth (“Supervised Persons”). The Code of Ethics was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to the Client. Birchcreek Wealth and its personnel owe a duty of loyalty, fairness, and good faith towards each Client. It is the obligation of Birchcreek Wealth associates to adhere not only to the specific provisions of the Code but also to the general principles that guide the Code. The Code of Ethics covers a range of topics that address ethics and conflicts of interest. To request a copy, please contact the Advisor at (937) 567-0646. B. Personal Trading with Material Interest Birchcreek Wealth allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Birchcreek Wealth does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund or advise an investment company. Birchcreek Wealth does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Birchcreek Wealth allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a potential conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted a Code of Ethics, which addresses insider trading (material non-public information controls) and personal securities reporting procedures. When trading for personal accounts, employees of Birchcreek Wealth have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades or by trading based on material non-public information. This risk is mitigated by Birchcreek Wealth, requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Birchcreek Wealth allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will any associated person of Birchcreek Wealth transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Birchcreek Wealth does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Birchcreek Wealth to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, Birchcreek Wealth does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Birchcreek Wealth does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the Custodian recommended by the Advisor and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by Birchcreek Wealth. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. Birchcreek Wealth may recommend the Custodian based on criteria such as, but not limited to, the reasonableness of commissions charged to the Client, services made available to the Client, its reputation, and/or the location of the Custodian’s offices. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 13  Birchcreek Wealth will generally recommend that Clients establish their account[s] at Fidelity Clearing and Custody Solutions and related divisions and entities of Fidelity Investments, Inc., including National Financial Services, LLC and Fidelity Brokerage Services, LLC (collectively “Fidelity”), a FINRA-registered broker-dealer and member SIPC. Fidelity will serve as the Client’s “qualified custodian.” Birchcreek Wealth maintains an institutional relationship with Fidelity, whereby the Advisor receives economic benefits from Fidelity. Birchcreek Wealth has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. Access to the Fidelity platform is provided at no charge to the Advisor. The Fidelity platform includes brokerage, custody, administrative support, record keeping, technology, and related services designed to support registered investment advisors like Birchcreek Wealth in serving Clients. These services are intended to serve the best interests of the Advisor’s Clients. Fidelity may charge brokerage commissions (securities transaction fees) for effecting certain securities transactions. Fidelity enables the Advisor to obtain certain no-load mutual funds without securities transaction fees and other no-load funds at nominal transaction charges. Fidelity’s commission rates are generally considered discounted from customary retail commission rates. However, the commissions and transaction fees charged by Fidelity may be higher or lower than those charged by other custodians and broker-dealers. Please see Item 14 below for additional information. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars – Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Birchcreek Wealth does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian but does receive economic benefits from Fidelity. Please see Item 14 below. 2. Brokerage Referrals – Birchcreek Wealth does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage – All Clients are serviced on a “directed brokerage basis,” where Birchcreek Wealth will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). Birchcreek Wealth will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. Birchcreek Wealth will execute its transactions through the Custodian. Birchcreek Wealth may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Client accounts. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 14  Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Daniel Johnson, the CCO. The CCO also has oversight of investment advisory processes. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. Clients are offered an annual financial plan, subject to the scope of their agreement with the Advisor. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more or less frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Birchcreek Wealth if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions, and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by Birchcreek Wealth Participation in Institutional Advisor Platform As noted in item 12, Birchcreek Wealth has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. As part of the arrangement, Fidelity also makes available to the Advisor, at no additional charge to the Advisor, certain research and brokerage services, including research services obtained by Fidelity directly from independent research companies. The Advisor may also receive additional services and support from Fidelity. As a result of receiving such services for no additional cost, the Advisor may have an incentive to continue to use or expand the use of Fidelity's services. The Advisor examined this potential conflict of interest when it chose to enter into the relationship with Fidelity and has determined that the relationship is in the best interests of the Advisor’s Clients and satisfies its Client obligations, including its duty to seek best execution. Please see Item 12 above. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Fidelity. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor’s recommendation of this Custodian over one that does not furnish similar software, systems support, or services. In addition, Fidelity has provided the Advisor with financial support in the launch of the Advisor and reimbursements for various third-party service providers. B. Compensation for Client Referrals Certain Clients may be referred to the Advisor by either an affiliated or unaffiliated party (herein "Promoter") and receive, directly or indirectly, compensation for the Client referral. In such instances, the Advisor will compensate the Promoter a fee in accordance with Rule 206(4)-1 of the Advisers Act and any corresponding state securities requirements. Any such compensation shall be paid solely from the investment advisory fees earned by the Advisor, and shall not result in any additional charge to the Client. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 15  Item 15 – Custody Birchcreek Wealth does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Birchcreek Wealth exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Birchcreek Wealth to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Birchcreek Wealth to ensure accuracy, as the Custodian does not perform this review. Money Movement Authorization - For instances where Clients authorize Birchcreek Wealth to move funds between their accounts, Birchcreek Wealth and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion Birchcreek Wealth generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Birchcreek Wealth. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an Investment Advisory Agreement containing all applicable limitations to such authority. All discretionary trades made by Birchcreek Wealth will be in accordance with each Client's investment objectives and goals. For Clients with an account[s] established at an Independent Manager, those account[s] will also be managed by those parties on a discretionary basis. Item 17 – Voting Client Securities Birchcreek Wealth does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies; however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Birchcreek Wealth nor its management has any adverse financial situations that would reasonably impair the ability of Birchcreek Wealth to meet all obligations to its Clients. Neither Birchcreek Wealth nor any of its advisory persons have been subject to a bankruptcy or financial compromise. Birchcreek Wealth is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect fees of $1,200 or more for services to be performed six months or more in advance. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 16  Form ADV Part 2B – Brochure Supplement for Daniel A. Johnson, CFPÒ Principal and Chief Compliance Officer Effective: June 11, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Daniel A. Johnson, CFPÒ (CRD# 5169351) in addition to the information contained in the Birchcreek Wealth Management, LLC (“Birchcreek” or the “Advisor,” CRD# 304207) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Birchcreek Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (937) 567-0646. Additional information about Mr. Johnson is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 5169351. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 17  Item 2 – Educational Background and Business Experience Daniel A. Johnson, CFPÒ,born in 1985, is dedicated to advising Clients of Birchcreek as its Principal and Chief Compliance Officer. Mr. Johnson earned a Bachelor of Science degree in finance from the University of Florida in 2007. Additional information regarding Mr. Johnson’s employment history is included below. Recent Employment History: Principal and Chief Compliance Officer, Birchcreek Wealth Management, LLC Wealth Management Advisor, Merrill Lynch, Pierce Fenner & Smith Incorporated 08/2019 to Present 01/2011 to 08/2019 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education, (2) stringent code of conduct and standards of practice, and (3) ethical requirements that govern professional engagements with clients. Currently, more than 92,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 18  Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Johnson. Mr. Johnson has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Johnson. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement, or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Johnson. However, the Advisor encourages you to independently view the background of Mr. Johnson on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 5169351. Item 4 – Other Business Activities Additional Business Activities Mr. Johnson serves on the Board of Directors of Habitat for Humanity. He dedicated approximately four (4) hours per month to this activity, typically outside of business hours. Mr. Johnson is also the Vice President of Operations for a residential real estate company. Clients are not offered the services of this entity. Mr. Johnson spends virtually no time on this activity during business hours. Item 5 – Additional Compensation Mr. Johnson has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Johnson serves as the Principal and Chief Compliance Officer of Birchcreek. Mr. Johnson can be reached at (937) 567-0646. Birchcreek has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Birchcreek. Further, Birchcreek is subject to regulatory oversight by various agencies. These agencies require registration by Birchcreek and its Supervised Persons. As a registered entity, Birchcreek is subject to examinations by regulators, which may be announced or unannounced. Birchcreek is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 19  Form ADV Part 2B – Brochure Supplement for Jacob D. Bartel, CFP® Wealth Advisor Effective: June 11, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jacob D. Bartel, CFP®, (CRD# 6291505) in addition to the information contained in the Birchcreek Wealth Management, LLC (“Birchcreek” or the “Advisor”, CRD# 304207) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Birchcreek Disclosure Brochure or this Brochure Supplement, please contact us at (937) 567-0646 or by email at info@birchcreekwealth.com. Additional information about Mr. Bartel is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6291505. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 20  Item 2 – Educational Background and Business Experience Jacob D. Bartel, CFP®, born in 1990, is dedicated to advising Clients of Birchcreek as a Wealth Advisor. Mr. Bartel earned a BSBA from The Ohio State University in 2013. Additional information regarding Mr. Bartel’s employment history is included below. Employment History: Wealth Advisor, Birchcreek Wealth Management, LLC Financial Advisor, UBS Financial Services 01/2023 to Present 02/2014 to 01/2023 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Bartel. Mr. Bartel has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Bartel. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 21  Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Bartel. However, we do encourage you to independently view the background of Mr. Bartel on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6291505. Item 4 – Other Business Activities Mr. Bartel is dedicated to the investment advisory activities of Birchcreek’s Clients. Mr. Bartel does not have any other business activities. Item 5 – Additional Compensation Mr. Bartel is dedicated to the investment advisory activities of Birchcreek’s Clients. Mr. Bartel does not receive any additional forms of compensation. Item 6 – Supervision Mr. Bartel serves as a Wealth Advisor of Birchcreek and is supervised by Daniel Johnson, the Chief Compliance Officer. Mr. Johnson can be reached at (937) 567-0646. Birchcreek has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Birchcreek. Further, Birchcreek is subject to regulatory oversight by various agencies. These agencies require registration by Birchcreek and its Supervised Persons. As a registered entity, Birchcreek is subject to examinations by regulators, which may be announced or unannounced. Birchcreek is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 22  Form ADV Part 2B – Brochure Supplement for John S. Payne, CFP® Wealth Advisor Effective: June 11, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of John S. Payne, CFP® (CRD# 6112347) in addition to the information contained in the Birchcreek Wealth Management, LLC (“Birchcreek” or the “Advisor”, CRD# 304207) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Birchcreek Disclosure Brochure or this Brochure Supplement, please contact us at (937) 567-0646 or by email at info@birchcreekwealth.com. Additional information about Mr. Payne is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6112347. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 23  Item 2 – Educational Background and Business Experience John S. Payne, CFP®, born in 1985, is dedicated to advising Clients of Birchcreek as a Wealth Advisor. Mr. Payne earned a Bachelor of Arts degree in International Studies with a Minor in Military Science from The Ohio State University in 2008. Additional information regarding Mr. Payne’s employment history is included below. Employment History: Wealth Advisor, Birchcreek Wealth Management, LLC Of Counsel Attorney, Practice with Purpose LLC Attorney, Dinsmore & Shohl Fianncial Advisor, Merrill Lynch, Pierce, Fenner & Smith Inc. 12/2022 to Present 02/2022 to Present 09/2018 to 08/2021 08/2012 to 03/2016 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Payne. Mr. Payne has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Payne. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 24  Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Payne. However, we do encourage you to independently view the background of Mr. Payne on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6112347. Item 4 – Other Business Activities Practice with Purpose LLC Mr. Payne is also an Of Counsel Attorney at Practice with Purpose LLC (PWP). Mr. Payne provides clients, who may be private citizens or businesses, with legal advice and may represent them in civil or criminal trials. Mr. Payne is compensated by PWP for his role as an Of Counsel Attorney. Mr. Payne spends approximately 5% of his time per month in this capacity. Clients may be offered the services provided by PWP but are under no obligation to utilize these services. Item 5 – Additional Compensation Mr. Payne has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Payne serves as a Wealth Advisor of Birchcreek and is supervised by Daniel Johnson, the Chief Compliance Officer. Mr. Johnson can be reached at (937) 567-0646. Birchcreek has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Birchcreek. Further, Birchcreek is subject to regulatory oversight by various agencies. These agencies require registration by Birchcreek and its Supervised Persons. As a registered entity, Birchcreek is subject to examinations by regulators, which may be announced or unannounced. Birchcreek is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 25  Privacy Policy Effective Date: June 11, 2025 Our Commitment to You Birchcreek Wealth Management, LLC (“Birchcreek Wealth” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Birchcreek Wealth (also referred to as "we," "our," and "us”) protects the security and confidentiality of the personal information we have and implement controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Birchcreek Wealth does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Social security or taxpayer identification number Assets and liabilities Name, address, and phone number[s] Income and expenses Email address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage, and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use, we maintain physical, procedural, and electronic security measures. These include such safeguards as secure passwords, encrypted file storage, and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Clients’ personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 26  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No No Not Shared Yes Yes No Not Shared Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, broker-dealers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes Birchcreek Wealth does not disclose and does not intend to disclose personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Birchcreek Wealth or the Client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Information About Former Clients Birchcreek Wealth does not disclose and does not intend to disclose non- public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically, we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at (937) 567-0646. Birchcreek Wealth Management, LLC 2955 Exchange Place Blvd., Suite 103, Miami Township, OH 45342 Phone: (937) 567-0646 I Fax: (937) 250-1709 www.birchcreekwealth.com Page 27