Blossom Wealth Management, LLC

Item 1 – Cover Page Part 2A of Form ADV Firm Brochure Blossom Wealth Management, LLC PO Box 125 Alamo, CA 94507 Tel: (925) 833-9999 Fax: (877) 665-8765 www.blossomwm.com March 26, 2026 This Brochure provides information about the qualifications and business practices of Blossom Wealth Management, LLC (hereinafter “BWM,” “Adviser” or the “Firm”). If you have any questions about the contents of this Brochure, please contact us at (925) 833-9999 and/or email james@blossomwm.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. information about BWM BWM is a registered investment adviser. Registration as an Investment Adviser does not imply any level of skill or training. The oral and written communications of an Adviser provide you with information about which you determine to hire or retain an Adviser. Additional is also available on the SEC’s website at www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as a CRD number. Our firm’s CRD number is 150402.  Item 2 – Material Changes The purpose of this page is to inform you of any material changes to our brochure. If you are receiving this brochure for the first time this section may not be relevant to you. Blossom Wealth Management, LLC (“BWM”) reviews and updates our brochure at least annually to confirm that it remains current. We made the following material change with the annual update to our brochure, dated March 26, 2026: Item 4 – Advisory Business • We removed language regarding the (“THRIVE”) automated investment program, which we no longer offer. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss • We made updates to the strategies and risks associated with the investment types we utilize in client accounts. Please see the corresponding section below for complete information regarding the above change. 2 Blossom Wealth Management Part 2A Brochure  Item 3 -Table of Contents Item 1 – Cover Page .............................................................................................................................1 Item 2 – Material Changes ....................................................................................................................2 Item 3 -Table of Contents .....................................................................................................................3 Item 4 – Advisory Business ...................................................................................................................5 Description of Advisory Firm ....................................................................................................................... 5 Tailored Services and Client Imposed Restrictions ..................................................................................... 9 Wrap Fee Programs ................................................................................................................................... 10 Assets Under Management ....................................................................................................................... 10 Publication of Periodicals .......................................................................................................................... 10 Research Reports ...................................................................................................................................... 10 Item 5 – Fees and Compensation ........................................................................................................ 11 Fee Schedule ............................................................................................................................................. 11 Billing Method ........................................................................................................................................... 12 Other Fees and Expenses .......................................................................................................................... 13 Other Compensation ................................................................................................................................. 13 Termination ............................................................................................................................................... 14 Item 6 – Performance-Based Fees and Side-By-Side Management ....................................................... 14 Item 7 – Types of Clients ..................................................................................................................... 14 Account Minimum ..................................................................................................................................... 14 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ................................................. 15 Methods of Analysis .................................................................................................................................. 15 Investment Strategies ............................................................................................................................... 15 Risk of Loss ................................................................................................................................................ 18 Item 9 – Disciplinary Information ........................................................................................................ 26 Item 10 – Other Financial Industry Activities and Affiliations ............................................................... 26 Agents of Unaffiliated Insurance Agency .................................................................................................. 26 Item 11 – Code of Ethics ..................................................................................................................... 26 Code of Ethics ............................................................................................................................................ 26 Item 12 – Brokerage Practices............................................................................................................. 28 The Custodian and Brokers We Use .......................................................................................................... 28 Aggregation with Client Orders ................................................................................................................. 31 3 Blossom Wealth Management Part 2A Brochure  Item 13 – Review of Accounts ............................................................................................................. 33 Review of Accounts ................................................................................................................................... 33 Reports to Clients ...................................................................................................................................... 34 Item 14 – Client Referrals and Other Compensation ............................................................................ 34 Outside Referrals ...................................................................................................................................... 34 Item 15 – Custody .............................................................................................................................. 35 Item 16 – Investment Discretion ......................................................................................................... 35 Item 17 – Voting Client Securities ....................................................................................................... 36 Item 18 – Financial Information .......................................................................................................... 36 Part 2B of Form ADV: Brochure Supplements ........................................................................................ i Item 1 – Cover Page ..................................................................................................................................... i George A. Salter II ............................................................................................................................... iv Item 2 – Educational Background and Business Experience ...................................................................... iv Item 3 – Disciplinary Information ............................................................................................................... v Item 4 – Other Business Activities .............................................................................................................. v Item 5 – Additional Compensation ............................................................................................................ vi Item 6 – Supervision .................................................................................................................................. vi James E. Salter ................................................................................................................................... vii Item 2 – Educational Background and Business Experience ...................................................................... vii Item 3 – Disciplinary Information ............................................................................................................. viii Item 4 – Other Business Activities ............................................................................................................ viii Item 5 – Additional Compensation .............................................................................................................ix Item 6 – Supervision ...................................................................................................................................ix Craig Braemer ...................................................................................................................................... x Item 2 – Educational Background and Business Experience ....................................................................... x Item 3 – Disciplinary Information ...............................................................................................................xi Item 4 – Other Business Activities ..............................................................................................................xi Item 5 – Additional Compensation .............................................................................................................xi Item 6 – Supervision ...................................................................................................................................xi PRIVACY INFORMATION ...................................................................................................................... A 4 Blossom Wealth Management Part 2A Brochure  Item 4 – Advisory Business Description of Advisory Firm Blossom Wealth Management, LLC (“Blossom,” “BWM,” “Firm,” or “Adviser”) is a privately owned limited liability company registered with the U.S. Securities and Exchange Commission. Blossom’s principal place of business is in San Ramon, California. The firm's principal shareholders - George A. Salter II, CEO, and James E. Salter, COO, co-founded the firm in 2009. Fiduciary Duty Registered investment advisers are considered fiduciaries under federal law. Our fiduciary duty carries with it an obligation to act in the best interest of our clients pursuant to a relationship of trust and confidence. It encompasses a duty of care and a duty of loyalty. Duty of Care The duty of care includes, among other things: • the duty to provide advice that is in the best interest of the client; • the duty to seek best execution of a client’s transactions where the adviser has the • responsibility to select broker-dealers to execute client trades; and • the duty to provide advice and monitoring over the course of the relationship. The duty to provide advice suitable to each client based on a reasonable understanding of the client’s objectives is a critical component of the duty of care. Providing suitable advice includes making a reasonable inquiry into the client’s financial situation, investment experience, and financial goals and then updating this information as necessary throughout the course of the relationship to reflect the client’s changing objectives over time and adjusting the advice we provide to reflect any changed circumstances. When BWM has the responsibility to select broker-dealers to execute client trades in discretionary accounts, we seek to trade such that the client’s total cost or proceeds in each transaction are the most favorable under the circumstances. In doing so, we consider the full range and quality of a broker’s services and so the determinative factor is not necessarily the lowest possible commission cost but whether the transaction represents the best qualitative execution. Moreover, we periodically and systematically evaluate the execution we receive on behalf of our clients. Our duty of care includes an obligation to provide advice and monitoring at a frequency that is in the best interest of the client, taking into account the scope of the agreed relationship. This scope is indicated by the duration and nature of the services as outlined in each client’s advisory arrangement and extends to all personalized advice provided to clients. Duty of Loyalty BWM adheres to a duty of loyalty where we seek to serve the best interests of our clients and never subordinate the interests of our clients to our own. Simply put, BWM cannot place its own interests ahead of the interests of our clients. In observance of this duty, we must make 5 Blossom Wealth Management Part 2A Brochure  full and fair disclosure to clients of all material facts relating to the advisory relationship. Further, we also seek to eliminate or at least expose through full and fair disclosure all conflicts of interest which might incline BWM, consciously or unconsciously, to render advice that is not disinterested. We believe that in order for disclosure to be full and fair, it should be sufficiently specific so that each client is able to understand the material fact or conflict of interest and make an informed decision whether to provide consent. Consequently, we provide this ADV 2A brochure to all prospective clients at or before entering into a contract so that they can use the information within to decide whether or not to enter into an advisory relationship. Blossom offers the following advisory services to its clients: Investment Management Services Blossom provides discretionary investment supervisory services. Each portfolio is designed in an effort to meet the client’s particular investment goals, objectives, circumstances, and risk tolerance while also providing clients with access to personal advisory services. Because investments involve varying degrees of risk, they will only be implemented or recommended when we deem them to be consistent with the client's stated investment objectives, tolerance for risk, liquidity, and suitability. in client accounts. Additionally, Blossom’s Blossom primarily utilizes Exchange traded funds (ETFs) when making investment selections/recommendations investment selections/recommendations, depending on the individual investment objectives and needs of the client may include: • Exchange-listed equity securities • Mutual fund shares • Securities traded over-the-counter (unlisted) • Corporate debt securities • Money market funds, cash sweeps, and other cash equivalents • Certificates of deposit • Municipal securities • United States governmental securities On rare occasions, we also transact in options contracts in client accounts. Blossom occasionally offers advice regarding additional types of investments if they are appropriate to address the individual needs, goals, and objectives of the client or in response to client inquiry. Blossom may offer investment advice on any investment held by the client at the start of the advisory relationship. We describe the material investment risks for many of the securities that we select/recommend in Item 8 below. We discuss our discretionary authority below under Item 16 - Investment Discretion. For more information about the restrictions clients can put on their accounts, see Tailored Services and Client Imposed Restrictions in this item below. We describe the fees charged for Investment Management Services below under Item 5 - Fees and Compensation. 6 Blossom Wealth Management Part 2A Brochure  Financial Planning and Financial Consulting Services BWM provides a variety of financial planning services, pursuant to a written agreement, to individuals, families, and other clients regarding the management of their financial resources based upon an analysis of the client’s current situation, goals, and objectives. Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting typically encompasses one or more of the following areas: investment planning, retirement planning, estate planning, charitable giving, education planning, and business planning. The plan developed or financial consultation rendered to the client will usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education or charitable giving programs. BWM may also refer clients to an accountant, attorney, or other specialist. For planning engagements, Adviser will generally provide a written summary of Client’s financial situation, observations, and recommendations. However, on some occasions, plans are delivered verbally. For consulting engagements, Adviser generally does not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. investment advisor. Implementation of Should a client choose to implement the recommendations contained in the plan, Blossom suggests the client work closely with his/her attorney, accountant, insurance agent, mortgage broker, and/or financial plan recommendations is entirely at the client’s discretion. Clients may choose but are not required to have Blossom assist with financial plan implementation, including investment management services, for which Blossom receives additional compensation, as described below in Item 5 – Fees and Compensation. Family Office Services Blossom approaches investment management with multiple generations in mind. We strive to apply the same concepts as larger family offices to families who can potentially benefit from similar advice but at a smaller scale. Our Family Office Services are based on the scope and complexity of the client’s financial picture. Services typically include but are not limited to investment management, philanthropic management, life management and budgeting, business advisory, liquidity & succession planning, estate planning and wealth transfer, training and education, reporting and record keeping, administrative/back-office services, tax and legal advisory, and risk management and insurance services. Services provided may be directly executed by Blossom, which creates a conflict where affiliated persons of Blossom recommend themselves for services where they will earn additional compensation (see Item 10 – Other Financial Industry Activities and Affiliations for additional information). These services may also be executed by an unaffiliated third party, generally when the service requires special licensing licensed personnel or unique experience (e.g., accounting & legal services). In those circumstances, Blossom will assist in identifying the need for such services and will connect the client with recommended third party services. Blossom will sometimes act as a liaison between the 7 Blossom Wealth Management Part 2A Brochure  Client and the third party. Types of Family Offices We classify family offices into three distinct categories: • SFO or Single Family Office As the name suggests, this is a private company that deals with the management of finances for a single family. The functions of a single family office include managing part or all of the family’s investments, trusts, estates, and acting as fiduciary. Often, the SFO also offers concierge services to the family. • MFO or Multi-Family Office This is a company that offers investment, trust, estate, and fiduciary management services to multiple families. MFOs can be private (i.e., only offering services to a few families and not available to others), but most are commercial and available for many families to hire. The families may or may not be connected, and a successful SFO can potentially transition into a multi-family office over time. • VFO or Virtual Family Office Designed for families seeking the benefits of a family office without setting up a company to facilitate it. A virtual family office allows families to outsource financial services and other functions to professionals. Through the use of external consultants and service providers, a VFO offers families many of the same benefits of a traditional family office. Fees for BWM’s Family Office Services are described below under Item 5 – Fees and Compensation. Retirement Plan Consulting Services Our firm provides non-discretionary retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring, and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising may include: • Establishing an Investment Policy Statement – Our firm will assist in the development of a statement on behalf of the Plan that summarizes the investment goals and objectives along with the broad strategies to be employed to meet the objectives. • Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investment options and make recommendations for appropriate changes. • Investment Monitoring – Our firm will monitor the performance of the investments and notify the client in the event of a change in investment lineup is warranted. • Participant Education – Our firm will provide opportunities to educate plan participants about their retirement plan offerings, different investment options, and general guidance on allocation strategies at least annually. In providing services for retirement plan consulting, our firm does not provide any advisory 8 Blossom Wealth Management Part 2A Brochure  services with respect to the following types of assets: employer securities, real estate (excluding real estate funds and publicly traded REITS), participant loans, non-publicly traded securities or assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). All retirement plan consulting services shall be in compliance with the applicable state laws regulating retirement consulting services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to provide services to such accounts, our firm acknowledges its fiduciary standard within the meaning of Section 3(21) of ERISA as designated by the Retirement Plan Consulting Agreement with respect to the provision of services described therein. Fees for BWM’s Retirement Plan Consulting Services are described below under Item 5 – Fees and Compensation. Limitations on Investments In some circumstances, Blossom’s advice may be limited to certain types of securities. Limitation by Plan Sponsor/Employer In the event Blossom is managing assets within a retirement plan such as 401(k), 403(b), or other employer plan, Blossom is limited to those investment providers and investment options chosen by the plan administrator. Similarly, when we provide services to participants in an employer-sponsored plan, the participant may be limited to investing in securities included in the plan’s investment options. Therefore, Blossom can only make recommendations to the client from among the available options and will not recommend or invest the client’s account in other securities, even if there may be more suitable options elsewhere. Limitation by Client Blossom may also limit advice based on certain client-imposed restrictions. For more information about the restrictions clients can put on their accounts, see Tailored Services and Client Imposed Restrictions in this Item below. Non-Managed Assets At its discretion, Blossom may offer securities trading activities for cash and securities in a client’s non-managed account, acting as an intermediary between the client and the custodian of the non-managed account. We do not provide investment advice regarding a client’s non-managed assets or provide opinions as to the merits of any securities in non- managed accounts. We also do not make any judgments as to the appropriateness of assumed risk or suitability of any non-managed investment given the client’s situation. At our discretion, Blossom offers this service in consideration of the client’s other accounts that we manage. Tailored Services and Client Imposed Restrictions Blossom manages client accounts based on the investment strategy the client chooses, as discussed below under Item 8 - Methods of Analysis, Investment Strategies, and Risk of Loss. Blossom applies the strategy for each client, based on the client’s individual 9 Blossom Wealth Management Part 2A Brochure  circumstances and financial situation. We make investment decisions for clients based on information the client supplies about their financial situation, goals, and risk tolerance. Our recommendations/investment selections may not be suitable if the client does not provide us with accurate and complete information. It is the client’s responsibility to keep Blossom informed of any changes to their investment objectives or restrictions. Clients may also request other restrictions on the account, such as when a client needs to keep a minimum level of cash in the account or does not want Blossom to buy or sell certain specific securities or security types in the account. Blossom reserves the right to not accept and/or terminate management of a client’s account if we feel that the client-imposed restrictions would limit or prevent us from meeting or maintaining the client’s investment strategy. Wrap Fee Programs Blossom does not manage accounts as part of a wrap or bundled fee program. Assets Under Management Blossom manages client assets in discretionary accounts on a continuous and regular basis. We also provide retirement plan consulting services on a non-discretionary basis. As of January 20, 2026, the total amount of assets under our management was: Discretionary Assets Non-Discretionary Assets $ 363,980,740 $ 4,212,918 Total Assets $368,193,658 Publication of Periodicals Blossom utilizes a third-party service provider to issue a monthly newsletter providing general information on various financial topics including, but not limited to, estate and retirement planning, market trends, etc. No specific investment recommendations are provided in this newsletter and the information provided does not purport to meet the objective or needs of any individual. This newsletter is distributed free of charge. Research Reports Blossom Wealth Management provides a research product consisting of portfolio offerings similar to those we manage for our clients. The service includes the following: • Monthly/quarterly list and weightings of names in the Strategy portfolio; • Research reports of original stock recommendations are shared upon request of existing portfolio names. Subscribers are notified of new purchase ideas and the company report around the date of addition; and • Notification by email of portfolio changes on the day of the portfolio changes. Portfolios are designed to follow a specific strategy among several offered, including multiple individual stock strategies and an ETF based asset allocation model. The service is provided through a subscription-based model and limited to representatives of unaffiliated 10 Blossom Wealth Management Part 2A Brochure  investment advisers and broker-dealers that would like to bring in an outside research service to help manage their clients’ money. Item 5 – Fees and Compensation Fee Schedule Investment Management Services Blossom Wealth Management charges an annual fee of up to 1.75%, payable quarterly in advance, for Investment Management Services on actively managed accounts. Some accounts, including employee accounts, are under different fee schedules honoring prior agreements. We also manage some family and related accounts with fees waived or at a reduced charge. Cash balances and balances subject to currently outstanding margin loans are included for fee calculation purposes. For additions or withdrawals to existing accounts, Blossom adjusts the client’s next quarterly billing calculation, when the total of all contributions and withdrawals results in a difference of $10 or more in advisory fees. Fees are generally negotiable. The Client’s fee rate will take into account the aggregate number of portfolios they have under our management, including family accounts. Fees are generally automatically deducted from the account in accordance with each client’s custodial agreement. Clients will be provided with a quarterly statement from account custodian reflecting deduction of the advisory fee. Financial Planning/Financial Consulting Adviser offers financial planning/consulting services on an hourly basis at a rate of $250 per hour. BWM waives financial planning fees for clients that have engaged us for Investment Management Services with portfolios holding $1 million or more in assets under our management. An estimate for total hours will be determined at the start of the advisory relationship after considering many factors, such as the level and scope of the services. Adviser also offers financial planning services at a negotiable fixed fee ranging from $1,000 to $15,000, the total of which is calculated based on our hourly rate of $250 per hour and dependent upon the level and scope of these services. The Adviser’s fee is exclusive of, and in addition to brokerage commissions, transaction fees, and other related costs and expenses associated with the plan’s implementations, which shall be incurred by the client. Family Office Services Adviser offers Family Office Services to clients using multiple fee options, as listed below. All rates are negotiable at our discretion based on the scope and complexity of the services provided. 1. Assets Under Management (AUM): Assets Under Management Up to $2,000,000 Next $1,000,000 Next $1,000,000 Next $1,000,000 $5,000,000+ Annual Fee* 1.00% 0.90% 0.80% 0.70% 0.60% 11 Blossom Wealth Management Part 2A Brochure  2. Flat rate percentage fee based on client’s net worth and scope & complexity of services provided at a negotiable rate not to exceed 1.0% per annum. 3. Fee based on hourly rate of $250 per hour. Retirement Plan Consulting Services Our Retirement Plan Consulting services are billed on an hourly or flat fee basis, and/or a fee based on the percentage of Plan assets under management. The total estimated fee, as well as the ultimate fee charged, is based on the scope and complexity of our engagement with the client. Our flat fees range from $1,000 to $20,000. Fees based on a percentage of managed Plan assets will not exceed 1.00%. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed in the signed consulting agreement. Billing Method Investment Management Services Blossom’s advisory fees are payable quarterly in advance at the beginning of each calendar quarter. We charge one fourth of the annual fee each quarter based on the market value of the client’s portfolio as of the last business day of the prior calendar quarter. The formula used for the calculation is as follows: (Annual Rate) x (Total Assets Under Management at Quarter-End) / 4. For new client accounts, the first payment is a pro-rata calculation due upon execution of the advisory agreement and/or when the client places assets in the custodial account(s) we manage for them. The calculation will take into consideration the number of days remaining in the quarter and the initial value of the portfolio. The formula used to calculate the initial advisory fee would be as follows: (Result of Quarterly Calculation) x (Days Remaining in Quarter) / (Total Number of Days in Quarter). Financial Planning/Financial Consulting Services One half of the total estimated hourly/fixed fees are due and payable at the time the client’s agreement is executed, the remainder of the fees are due upon presentation of a plan or the rendering of consulting services. Financial plans will be presented to the clients within 6 months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided by the clients. Family Office Services Clients may choose to have fees for family office services debited from their custodial accounts or invoiced and payable by check. AUM fees are billed quarterly in advance based on the above schedule. Fees based on a client’s net worth are billed based on client’s initial net worth at the start of the relationship and based on each subsequent previous year-end’s total net worth going forward. For hourly and annual fee arrangements, a retainer equal to 25% of total quarterly estimated fees is payable at the commencement of the agreement and ongoing fees are payable upon invoice and/or at the conclusion of the contracted services rendered. Set-up fees Depending on the type of Family Office Services selected by the client, certain setup-related 12 Blossom Wealth Management Part 2A Brochure  fees will also be charged when applicable. Such fees can include but are not limited to client onboarding fees charged by third-party service providers that Blossom utilizes, and hourly fees charged to help assess the client’s needs for outside attorneys, CPAs, and other professionals. In all cases, any additional fees will be discussed in advance with the client in advance, if applicable. Retirement Plan Consulting Services Flat fees for Retirement Plan Consulting services are generally invoiced in advance on a quarterly or annual basis. Fees based on the percentage of Plan assets under management are calculated and debited quarterly in arrears by the Plan administrator and remitted to Blossom. Other Fees and Expenses Blossom’s fees do not include custodian fees. Clients pay all brokerage commissions, bond broker fees, stock transfer fees, margin charges, foreign exchange and settlement fees, and/or other charges incurred in connection with transactions in accounts, from the assets in the account. These charges are in addition to the fees clients pay to Blossom. See Item 12 – Brokerage Practices below for more information. All fees paid to Adviser for investment advisory services are separate from the fees and expenses charged by mutual funds and exchange traded funds to their shareholders. If mutual fund shares are held in a client’s account, the client will be subject to deferred sales charges, 12b-1 fees, early redemption fees, and other fund-related expenses, as applicable. Each fund’s prospectus fully describes the fees and expenses. All fees paid to Blossom for investment management are separate and distinct from the fees and expenses charged by mutual funds. Mutual funds pay advisory fees to their managers, which are indirectly charged to all holders of the mutual fund shares. A client could invest in a mutual fund directly, without the services of Adviser. In that case, the client would not receive the services provided by Adviser which are designed, among other things, to assist the client in determining which mutual fund or funds are most appropriate to the client’s financial condition, goals, and objectives. Accordingly, the clients should review both the fees charged by the funds and the fees charged by Adviser to fully understand the total amount of fees to be paid by the clients and to thereby evaluate the advisory services being provided. Advisory recommendations are based on the client’s financial situation at the time the services are provided and are based on financial information disclosed by the client to Adviser. Clients are advised that certain assumptions are generally made with respect to interest and inflation rates and the use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. As the client’s financial situation, goals, objectives, or needs change, the client must notify BWM promptly. Other Compensation BWM receives payment for the research reports it provides to unaffiliated advisers, as described in Research Reports in Item 4, above. For a description of the additional compensation earned by BWM’s affiliated persons, also see Agents of Unaffiliated 13 Blossom Wealth Management Part 2A Brochure  Insurance Agency in Item 10, below. Termination Investment Management Services Either party may terminate the agreement at any time by providing written notice to the other party. clients will receive pro-rata refunds for unearned advisory fees collected in advance. Financial Planning & Consulting Services In the event that a client should cancel the financial planning agreement under which any plan is being created, the client shall be billed for actual hours logged on the planning project times the agreed upon hourly rate. Any surplus in the Adviser's possession as the result of collecting a deposit at the time of signing the financial planning agreement will promptly be returned to the client. Family Office Services Either party may terminate family office services for any reason upon a 30 days’ written notice. Any unearned fees collected in advance will be prorated for services rendered and the remaining portion refunded to the client. Retirement Plan Consulting Services Either party to a Retirement Plan Consulting Agreement may terminate at any time by providing written notice to the other party. Full refunds will only be made in cases where cancellation occurs within 5 business days of signing an agreement. After 5 business days from initial signing, either party must provide the other party with 30 days’ written notice to terminate billing. Billing will terminate 30 days after receipt of termination notice. Clients will be charged on a pro-rata basis, which takes into account work completed by our firm on behalf of the client. Clients will incur charges for bona fide advisory services rendered up to the point of termination (determined as 30 days from receipt of said written notice) and such fees will be due and payable. Item 6 – Performance-Based Fees and Side-By-Side Management BWM does not charge any performance-based fees (fees based on a share of capital gains on or capital appreciation of the assets of a client). Item 7 – Types of Clients Investment Management Services BWM provides portfolio management to individuals, high net worth individuals, corporations, corporate pension and profit-sharing plans, and charitable institutions. Account Minimum Investment Management Services client portfolios are not subject to minimum account sizes. 14 Blossom Wealth Management Part 2A Brochure  Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis We generally use a combination of fundamental and technical analysis across client accounts and our various strategies when we purchase individual equity securities and based on this analysis, sometimes sell off existing account positions brought into Blossom with new client relationships. This fundamental analysis is generally a combination of seeking to understand a company's long term business model (sometimes referred to as an economic moat) and its potential upside. Other fundamental factors we would consider are the profitability of the company, their cash flow, the strength of their balance sheet, and whether they pay dividends. On the technical side, we evaluate whether the company is trading near all-time highs or lows as those could be inflection points from a trading perspective. Investment Strategies BWM uses the following strategies in managing client accounts: Long-term Purchases We purchase securities with the idea of holding them in the clients account for a year or longer. We sometimes do this because we believe the securities to be currently undervalued. We generally do this because we want exposure to a particular asset class over time, regardless of the current projection for this class. A risk in a long-term purchase strategy is that, by holding the security for this length of time, we sometimes do not take advantage of short-term gains that could be profitable to a client. Moreover, if our predictions are incorrect, a security sometimes declines sharply in value before we make the decision to sell. Short-term Purchases In some circumstances, we purchase securities with the idea of selling them within a relatively short time (typically a year or less). We do this in an attempt to take advantage of conditions that we believe will soon result in a price swing in the securities we purchase. A risk in a short-term purchase strategy is that, should the anticipated price swing not materialize, we are left with the option of having a long-term investment in a security that was designed to be a short-term purchase, or potentially taking a loss. In addition, this strategy involves more frequent trading than does a longer-term strategy and will result in increased brokerage and other transaction-related costs, as well as less favorable tax treatment of short-term capital gains. Option Writing In rare circumstances, we use options as an investment strategy. An option is a contract that gives the buyer the right, but not the obligation, to buy or sell an asset (such as a share of stock) at a specific price on or before a certain date. An option, just like a stock or bond, is a security. An option is also a derivative because it derives its value from an underlying asset. The two types of options are calls and puts: 15 Blossom Wealth Management Part 2A Brochure  • A call gives us the right to buy an asset at a certain price within a specific period of time. We will buy a call if we have determined that the stock will increase substantially before the option expires. • A put gives the holder the right to sell an asset at a certain price within a specific period of time. We will buy a put if we have determined that the price of the stock will fall before the option expires. We sometimes use options to speculate on the possibility of a sharp price swing. We will also use options to “hedge” a purchase of the underlying security; in other words, we will use an option purchase to limit the potential upside and downside of a security we have purchased for a client’s portfolio. We use “covered calls,” in which we sell an option on a security the client owns. In this strategy, the client receives a fee for making the option available, and the person purchasing the option has the right to buy the security from the client at an agreed upon price. A risk of covered calls is that the option buyer does not have to exercise the option, so that if we want to sell the stock prior to the end of the option agreement, we have to buy the option back from the option buyer, for a possible loss. We use a “spreading strategy,” in which we purchase two or more option contracts (for example, a call option that the client buys and a put option that they sell) for the same underlying security. This effectively puts clients on both sides of the market, but with the ability to vary price, time, and other factors. A risk of spreading strategies is that the ability to fully profit from a price swing is limited. Short Sales Short Sales are not made but purchases of negative beta mutual funds and Exchange Traded Funds (“ETFs”) are made from time to time. A negative beta means that the stock is inversely correlated with the market. Many precious metals and precious-metal-related stocks are beta-negative as their value tends to increase when the general market is down and vice versa. BWM-Specific Strategies BWM generally offers discretionary management services in the form of one of the following strategies: • ROME • TAHOE • DIVIDEND GROWTH EQUITY • QUALITY GROWTH EQUITY • REAL • STABLE INCOME • CUSTOM The ROME Strategy The Rome Strategy generally invests in ETFs holding broadly diversified, global asset classes including stocks, bonds, and cash in varying allocations to target a specific risk category: Aggressive, Normal, Moderate or Conservative. Depending on the circumstances, alternative asset mutual funds and/or ETFs with underlying holdings including but not limited to real 16 Blossom Wealth Management Part 2A Brochure  estate and commodities may also be deployed. Clients have the flexibility to invest in any of the core strategies based on his or her risk profile and can easily shift to one of the other risk- managed strategies if his or her risk preference changes. The TAHOE Strategy The Tahoe Strategy seeks to provide total return from growth and income investments with a limited number of funds. The strategy is comprised of one or more each of global equity and fixed income funds. In seeking to achieve its objective under normal circumstances, the global equity portion of the strategy allocates its assets to underlying funds which invest in domestic and international securities. In general, these funds purchase a broad and diverse group of securities of companies with a greater emphasis on small capitalization and value companies compared to their representation in the universe. The equity and fixed income allocations are generally comprised of mutual funds that follow specific strategies within their respective portfolios. Dividend Growth Equity Strategy The Dividend Growth Equity Strategy seeks to provide total return from a diversified cluster of growing dividend companies. It is a concentrated allocation of dividend paying stocks that focuses on companies that have generally grown their dividends over at least 10 years. This is not a high yield strategy, but a strategy that focuses on companies that we deem to be adequate capital allocators. these low-turnover holdings prefer companies with ten years of consistent dividend growth led by what we perceive to be quality business models, strong financial statements, and historically more conservative growth than stocks in general. Quality Growth Equity Strategy The Quality Growth Equity Strategy seeks to provide a total return driven by the appreciation of the companies owned in the strategy. This concentrated, low-turnover, equity strategy will hold growth companies in a diversified portfolio, typically dividend paying, that we believe to be industry leaders potentially showing consistent and sustainable growth. Valuation is important with these younger companies, but a strong business model is the key metric in this investment decision making process. The REAL Strategy The Real Strategy is designed with the goal of generating competitive real estate income versus both the overall market and privately held real estate using primarily publicly traded Real Estate Investment Trusts (REITs). This concentrated strategy is well-diversified within the REIT sector and will focus on what we perceive to be high quality assets in the various REIT sectors. It will concentrate on companies within specific REIT sectors that we deem to be growing dividend payers with adequate balance sheets in areas with potentially good opportunities. This is not a high yield-oriented strategy. The Real Strategy will use both individual and managed products in seeking to meet its stability and income goals. Stable Income Strategy The Stable Income Strategy is designed to generate income competitive with fixed income when interest rates are relatively low and also seeks to generate some growth over time. The goal is to build stable value over time with a similar or higher yield than the Bloomberg Barclays U.S. Aggregate Bond Index. This well-diversified strategy will focus on what we 17 Blossom Wealth Management Part 2A Brochure  perceive to be quality assets in several specific categories including: fixed income – short and intermediate maturities, utilities, REITs (Real Estate Investment Trusts), and several companies that generate market or better yields that have also shown consistent dividend growth over time. This is not a high yield-oriented strategy, and it will use both individual and managed products in an effort to meet its stability and income goal. Custom Strategy Where appropriate, BWM also offers a Custom Portfolio Allocation Strategy, which is a comprehensive, customized strategy tailored specifically to a client’s needs across multiple account types and risk categories. Risk of Loss Note: All investments involve the risk of loss, including (among other things) loss of principal, a reduction in earnings (including interest, dividends, and other distributions), and the loss of future earnings. These risks include market risk, liquidity risk, concentration risk, interest rate risk, issuer risk, credit risk, currency risk, foreign investment risk, reinvestment risk, inflation risk, horizon risk, longevity risk and general economic risk. Although BWM advises assets in a manner consistent with risk tolerances, there can be no guarantee that our efforts will be successful. Clients should be prepared to bear the risk of loss. Market Risks Competition The securities industry and the varied strategies and techniques to be engaged in by the Adviser are extremely competitive and each involves a degree of risk. The Adviser will compete with firms, including many of the larger securities and investment banking firms, which have substantially greater financial resources and research staff. Market Volatility The profitability of the Adviser substantially depends upon it correctly assessing the future price movements of stocks, bonds, options on stocks, and other securities and the movements of interest rates. The Adviser cannot guarantee that it will be successful in accurately predicting price and interest rate movements. Accuracy of Public Information The Adviser selects investments, in part, on the basis of information and data filed by issuers with various government regulators or made directly available to the Adviser by the issuers or through sources other than the issuers. Although the Adviser evaluates such information and data and sometimes seeks independent corroboration when it’s considered appropriate and reasonably available, the Adviser is not in a position to confirm the completeness, genuineness or accuracy of such information and data, and in some cases, complete and accurate information is not available. 18 Blossom Wealth Management Part 2A Brochure  Internal Risks Adviser’s Investment Activities The Adviser’s investment activities involve a significant degree of risk. The performance of any investment is subject to numerous factors which are neither within the control of nor predictable by the Adviser. Such factors include a wide range of economic, political, competitive, technological, and other conditions (including acts of terrorism and war) that sometimes affect investments in general or specific industries or companies. The securities markets are sometimes volatile, which can adversely affect the ability of the Adviser to generate profits in client accounts. Conflicts of Interest In the administration of client portfolios and financial reporting, the Adviser faces inherent conflicts of interest which are described in this brochure. Generally, the Adviser seeks to mitigate these conflicts through its Code of Ethics which provides that the client’s interest is always held above that of the Firm and its associated persons. Supervision of Trading Operations The Adviser, with assistance from its brokerage and clearing firms, intends to supervise and monitor trading activity in clients’ accounts in an effort to comply with firm and client objectives. Despite the Adviser’s efforts, however, there is a risk that unauthorized or otherwise inappropriate trading activity may occur in accounts. Depending on the nature of the investment management service selected by a client and the securities used to implement the investment strategy, clients will be exposed to risks that are specific to the securities in their particular investment portfolio. Reliance on Management and Key Personnel Clients have no right or power to take part in the management of BWM. Accordingly, no client should invest with BWM unless they are willing to entrust all aspects of management to BWM. The investment performance of BWMs strategies depends largely on the skill of key personnel of BWM. If key personnel were to leave BWM, we might not be able to find equally desirable replacements and our performance could, as a result, be adversely affected. Investment Risks - General Strategies sometimes invest substantially all of the client’s available capital principally in securities and can also engage in short sales of securities and trades in options (including covered and over-the-counter options) and other derivative instruments, private securities, and money market instruments. Markets for such instruments fluctuate and the market value of any particular investment can vary substantially. In addition, such securities may be issued by unseasoned companies and may be highly speculative. There is no guarantee that BWM’s strategies will generate any income or appreciate in value. Investments in Undervalued Securities The Adviser intends to invest in undervalued securities. The identification of investment opportunities in undervalued securities is a difficult task, and there are no assurances that 19 Blossom Wealth Management Part 2A Brochure  such opportunities will be successfully recognized or acquired. While investments in undervalued securities offer the opportunities for above-average capital appreciation, these investments involve a high degree of financial risk and can result in substantial losses. Returns generated from the Adviser’s investments sometimes do not adequately compensate for the business and financial risks assumed. Lack of Diversification Client portfolios invested in BWM’s strategies may not be widely diversified among sectors, industries, geographic areas, or types of securities. Further, client portfolios may not necessarily be diversified among a wide range of issuers. Accordingly, client portfolios may be subject to more rapid change in value than would be the case if the positions maintained a wide diversification among companies or industry groups. Short Sales BWM may sell securities short. Short sales can, in certain circumstances, substantially increase the impact of adverse price movements on a client’s portfolio. A short sale involves the risk of a theoretically unlimited increase in the market price of the particular investment sold short, which could result in an inability to cover the short position and a theoretically unlimited loss; however, Blossom does not engage in such “naked” strategies. There can be no assurance that securities necessary to cover a short position will be available for purchase. Non-U.S. Investments From time to time, the Adviser may invest and trade a portion of its assets in non-U.S. securities and other assets (through ADRs and otherwise), which will give rise to risks relating to political, social, and economic developments abroad, as well as risks resulting from the differences between the regulations to which U.S. and foreign issuers and markets are subject. Such risks may include: • Political or social instability, the seizure by foreign governments of company assets, acts of war or terrorism, withholding taxes on dividends and interest, high or confiscatory tax levels, and limitations on the use or transfer of a client’s assets. • Enforcing legal rights in some foreign countries is difficult, costly, and slow, and there are sometimes special problems enforcing claims against foreign governments. • Foreign securities and other assets often trade in currencies other than the U.S. dollar, and the Adviser may directly hold foreign currencies and purchase and sell foreign currencies through forward exchange contracts. Changes in currency exchange rates will affect the Adviser’s net asset value, the value of dividends and interest earned, and gains and losses realized on the sale of investments. An increase in the strength of the U.S. dollar relative to these other currencies may cause the value of the Adviser’s investments to decline. Some foreign currencies are particularly volatile. Foreign governments may intervene in the currency markets, causing a decline in value or liquidity of the Adviser’s foreign currency holdings. If the Adviser enters into forward foreign currency exchange contracts for hedging purposes, it may lose the benefits of advantageous changes in exchange rates. On the other hand, if the Adviser enters forward contracts for the purpose of increasing return, it may sustain losses. 20 Blossom Wealth Management Part 2A Brochure  • Non-U.S. securities, commodities and other markets may be less liquid, more volatile, and less closely supervised by the government than in the United States. Foreign countries often lack uniform accounting, auditing and financial reporting standards, and there may be less public information about the operations of issuers in such markets. Lack of Liquidity BWM’s strategies may invest in thinly traded and relatively illiquid securities or those securities may not be traded at the time a client’s account invested or may cease to be traded after an account invests. Client accounts also may acquire significant positions in some securities. In such cases, and in the event of extreme market activity, we may not be able to liquidate account investments promptly, if necessary. In addition, an account’s sales of thinly traded securities could potentially depress the market value of those securities and thereby reduce the account’s profitability or increase its losses. Such circumstances or events could affect client account gains or losses materially and adversely. Risk of Default or Bankruptcy of Third Parties The Adviser may engage in transactions in securities, commodities, other financial instruments, and other assets that involve counterparties. Under certain conditions, the Adviser could suffer losses if a counterparty to a transaction were to default or if the market for certain securities, commodities, other financial instruments and/or other assets were to become illiquid. Currency Risk Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. Regulatory Risks Strategy Restrictions Certain institutions may be restricted from directly utilizing investment strategies of the type in which the Adviser may engage. Such institutions, including entities subject to ERISA, should consult their own advisors, counsel, and accountants to determine what restrictions may apply and whether an investment in the Adviser is appropriate. Trading Limitations For securities, instruments and/or assets listed on an exchange, including options listed on a public exchange, the exchange generally has the right to suspend or limit trading under certain circumstances. Such suspensions or limits could render certain strategies difficult to complete or continue and subject the Adviser to loss. Also, such a suspension could render it impossible for the Adviser to liquidate positions and thereby expose the Adviser to potential losses. Lack of Registration LP interests have neither been registered under the Securities Act nor under the securities or “blue sky” laws of any state and, therefore, are subject to transfer restrictions. 21 Blossom Wealth Management Part 2A Brochure  Security-Specific Risks Exchange-Traded Funds An exchange-traded fund (“ETF”) is a type of Investment Company (usually, an open-end fund or unit investment trust) containing a basket of equities, fixed income instruments, and/or commodities. ETFs may be structured to track the performance of a particular market index, including broad-based or sector-specific indexes. These “passive” ETFs seek to achieve investment results that correspond, before fees and expenses, to the performance of the underlying index by generally holding the same securities, or a representative sample of the securities, included in the index. However, such ETFs may not perfectly track their target index due to fees, expenses, tracking error, market conditions, or portfolio rebalancing. Other ETFs do not seek to replicate the performance of a specific index and instead rely on active portfolio management. Actively managed ETFs may invest in a more limited number of securities, may deviate significantly from market indexes, and may underperform or outperform the broader market depending on market conditions and the effectiveness of the investment manager’s strategies. Unlike traditional mutual funds, which can only be redeemed at the end of a trading day, ETFs trade throughout the day on an exchange. Like mutual funds, the prices of the underlying securities and the overall market affect ETF prices. Similarly, factors affecting a particular industry segment typically affect ETF prices that track that particular sector. Equity Securities Equity securities represent an ownership position in a company. Equity securities typically consist of common stocks. The prices of stocks and the income they generate (such as dividends) may fluctuate based on events specific to the company that issued the shares, conditions affecting the general economy and overall market changes, changes or weakness in the business sector the company does business in, and other factors. Further, prices of these securities can be affected by financial contracts held by the issuer or third parties (such as derivatives) relating to the security or other assets or indices. There may be little trading in the secondary market for particular equity securities, which may adversely affect the ability to dispose of those equity securities. Adverse publicity and investor perceptions, whether or not based on fundamental analysis, may decrease the value and/or liquidity of equity securities. Small Cap Companies Some of BWM’s strategies may invest a portion of assets in the stocks of companies with small market capitalizations. While BWM believes these investments often provide significant potential for appreciation, those stocks typically involve higher risks in some respects than do investments in stocks of larger companies. For example, prices of such stocks are often more volatile than prices of large-capitalization stocks. In addition, due to thin trading in some such stocks, an investment in these stocks may be more illiquid than that of larger capitalization stocks. American Depository Receipts (ADR) An ADR is a security that trades on U.S. exchanges but represents a specified number of shares in a foreign corporation. Investors buy and sell ADRs on American markets just like 22 Blossom Wealth Management Part 2A Brochure  regular stocks. Some banks and brokerage firms issue/sponsor ADRs. ADRs are subject to risks of investing in foreign securities, including, but not limited to, less complete financial information available about foreign issuers, less market liquidity, more market volatility, and political instability. In addition, currency exchange-rate fluctuations affect the U.S. dollar- value of foreign holdings. Some ADRs and ordinary shares of foreign securities pay dividends, and many foreign countries impose dividend withholding taxes up to 30%. Depending on a custodian’s ability to reclaim any withheld foreign taxes on dividends, taxable accounts may be able to recoup a portion of these taxes by use of the foreign tax credit. However, tax-exempt accounts, to the extent they pay any foreign withholding taxes, may not be able to utilize the foreign tax credit. Therefore, investors may be unable to recover any foreign taxes withheld on dividends of foreign securities or ADRs. Debt Securities (Bonds) Issuers use debt securities to borrow money. Generally, issuers pay investors periodic interest and repay the amount borrowed either periodically during the life of the security and/or at maturity. Alternatively, investors can purchase other debt securities, such as zero- coupon bonds, which do not pay current interest, but rather are priced at a discount from their face values and their values accrete over time to face value at maturity. The market prices of debt securities fluctuate depending on such factors as interest rates, credit quality, and maturity. In general, market prices of debt securities decline when interest rates rise and increase when interest rates fall. The longer the time to a bond’s maturity, the greater its interest rate risk. Market or Interest Rate Risk The price of most fixed income securities moves in the opposite direction of the change in interest rates. For example, as interest rates rise, the price of fixed income securities falls. If the Adviser holds a fixed income security to maturity, the change in its price before maturity may have little impact on the Adviser’s performance; however, if the Adviser has to sell the fixed income security before the maturity date, an increase in interest rates could result in a loss to the Adviser. Fixed Income Call Option Risk Many bonds, including agency, corporate and municipal bonds, and all mortgage-backed securities, contain a provision that allows the issuer to “call” all or part of the issue before the bond’s maturity date. The issuer usually retains this right to refinance the bond in the future if market interest rates decline below the coupon rate. There are three disadvantages to the call provision. First, the cash flow pattern of a callable bond is not known with certainty. Second, because the issuer will call the bonds when interest rates have dropped, the Adviser is exposed to reinvestment rate risk – the Adviser will have to reinvest the proceeds received when the bond is called at lower interest rates Finally, the capital appreciation potential of a bond will be reduced because the price of a callable bond may not rise much above the price at which the issuer may call the bond. 23 Blossom Wealth Management Part 2A Brochure  Inflation Risk Inflation risk results from the variation in the value of cash flows from a security due to inflation, as measured in terms of purchasing power. For example, if the Adviser purchases a 5-year bond in which it can realize a coupon rate of 5%, but the rate of inflation is 6%, then the purchasing power of the cash flow has declined. For all but inflation- linked bonds, adjustable bonds or floating rate bonds, the Adviser is exposed to inflation risk because the interest rate the issuer promises to make is fixed for the life of the security. Options and Other Derivative Instruments BWM may invest, from time to time, in options and other derivative instruments, including, but not limited to, the buying and selling of puts and calls on some of the securities held by BWM. The prices of many derivative instruments, including many options and swaps, are highly volatile. The values of options and swap agreements depend primarily upon the price of the securities, indexes, commodities, currencies, or other instruments underlying them. Price movements of options contracts and payments pursuant to swap agreements are also influenced by, among other things, interest rates, changing supply and demand relationships, trade, fiscal, monetary and exchange control programs and policies of governments, and national and international political and economic events and policies. Options on highly volatile securities, currencies or other assets may be more expensive than options on other investments. Hedging Transactions Investments in financial instruments such as forward contracts, options, commodities and interest rate swaps, caps and floors, other derivatives, and other investment techniques are utilized to hedge against fluctuations in the relative values of account positions as a result of changes in currency exchange rates, interest rates and/or the equity markets or sectors thereof. Any hedging against a decline in the value of an account’s positions does not eliminate fluctuations in the values of those positions or prevent losses if the values of such positions decline, but establishes other positions designed to gain from those same developments, thus moderating the decline in the position’s value. Such hedging transactions also limit the opportunity for gain if the value of the account’s positions should increase. BWM is not obligated to establish hedges for positions held in clients’ accounts. Leverage Some of BWM’s strategies will use leverage by engaging in short sales, entering into swaps and other derivatives contracts, and other leveraging strategies. Such leverage increases the risk of loss and volatility. In addition, the use of leverage requires the pledging of assets as collateral. Margin calls or changes in margin requirements can cause a client’s account to be required to pledge additional collateral or liquidate holdings, which could require the account to close positions at substantial losses that would not otherwise be realized. Alternative Investments (Limited Partnerships) Some Blossom clients own individual alternative investment securities purchased under prior investment strategies; however, Blossom no longer invests in such securities on an individual basis. Instead, alternative investments in our current strategies are limited to 24 Blossom Wealth Management Part 2A Brochure  publicly-traded Exchange Traded Fund (ETF) and open-end mutual fund purchases. A limited partnership is a financial affiliation that includes at least one general partner and a number of limited partners. The partnership invests in a venture, such as real estate development or oil exploration, for financial gain. The general partner does not usually invest any capital but has management authority and unlimited liability. That is, the general partner runs the business and, in the event of bankruptcy, is responsible for all debts not paid or discharged. The limited partners have no management authority and confine their participation to their capital investment. That is, limited partners invest a certain amount of money and have nothing else to do with the business. However, their liability is limited to the amount of the investment. In the worst-case scenario for a limited partner, he/she loses what he/she invested. Profits are divided between general and limited partners according to an arrangement formed at the creation of the partnership. Full disclosure is available in the offering documents of the particular limited partnership. Withdrawal of Capital The ability to withdraw funds from LP interests is usually restricted in accordance with the withdrawal provisions contained in an Offering Memorandum. In addition, substantial withdrawals by investors within a short period of time could require a fund to liquidate securities positions and other investments more rapidly than would otherwise be desirable, possibly reducing the value of the fund’s assets and/or disrupting the fund’s investment strategy. Financial Planning Risk The financial planning tools BWM uses to create financial plans for clients rely on various assumptions, such as estimates of inflation, risk, economic conditions, and rates of return on security asset classes. Return assumptions generally reflect asset class returns instead of actual investment returns, and do not always include fees or expenses that clients would pay if they invested in specific products. Financial planning software is only a tool used to help guide BWM and the client in developing an appropriate plan, and we cannot guarantee that clients will achieve the results shown in the plan. Results will vary based on the information provided by the client regarding the client’s assets, risk tolerance, and personal information. Changes to the program’s underlying assumptions or differences in actual personal, economic, or market outcomes generally result in different outcomes for the client. Clients should carefully consider the assumptions and limitations of the financial planning software and should discuss the results of the plan with us before making any changes to their investments or financial plan. If the financial plan includes recommendations for investing in securities, you should understand that investing in securities involves risk of loss, and you should be prepared to bear that risk. Other Risks Cybersecurity Information and technology systems can be vulnerable to damage or interruption from computer viruses, network failures, computer and telecommunication failures, infiltrations 25 Blossom Wealth Management Part 2A Brochure  by unauthorized persons and security breaches, usage errors by its professionals, power outages and catastrophic events such as fires, tornadoes, floods, hurricanes, and earthquakes. Although we have implemented various measures to manage risks relating to these types of events, if these systems are compromised, or become inoperable for extended periods of time, or cease to function properly, we may have to make a significant investment to fix or replace them. The failure of these systems can cause significant interruptions in our operations and result in a failure to maintain the security, confidentiality or privacy or sensitive data, including personal information relating to clients. Such a failure could potentially harm our reputation, subject us to legal claims, and otherwise have an adverse impact on our ability to perform advisory functions. Pandemics and Other Public Health Crises Pandemics and other health crises, such as the outbreak of an infectious disease such as severe acute respiratory syndrome, avian flu, H1N1/09 flu and COVID-19 or any other serious public health concern, together with any resulting restrictions on travel or quarantines imposed, could have a negative impact on the economy, and business activity in any of the areas in which client investments may be located. Such disruption, or the fear of such disruption, could have a significant and adverse impact on the securities markets, lead to increased short-term market volatility or a significant market downturn, and can have adverse long-term effects on world economies and markets generally. Item 9 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of BWM or the integrity of BWM’s management. BWM has no information applicable to this item. Item 10 – Other Financial Industry Activities and Affiliations Agents of Unaffiliated Insurance Agency As licensed insurance agents, Messrs. George A. Salter II, and James E. Salter, in their individual capacities, sometimes recommend to advisory clients a variety of insurance products, including commissionable (variable and non-variable) insurance products for which they receive compensation, in addition to fees received for Investment Management Services. We recognize that this practice presents a conflict of interest and provides these employees with an incentive to recommend investment products based on compensation received rather than on client need. We address this conflict by retaining and reviewing all orders for such products to verify that there is a suitable benefit for the client through such a transaction. Clients are under no obligation to implement any recommended insurance transactions through any particular insurance company and are not obligated to purchase any insurance products from BWM’s associated persons. Item 11 – Code of Ethics Code of Ethics BWM has adopted a Code of Ethics for all supervised persons of the firm describing its high 26 Blossom Wealth Management Part 2A Brochure  standard of business conduct, and fiduciary duty to its clients. The Code of Ethics includes provisions relating to the confidentiality of client information, a prohibition on insider trading, a prohibition of rumor mongering, restrictions on the acceptance of significant gifts and the reporting of certain gifts and business entertainment items, and personal securities trading procedures, among other things. All supervised persons at BWM must acknowledge the terms of the Code of Ethics upon hire and each time it is amended thereafter. The Code of Ethics is designed so that the personal securities transactions, activities, and interests of the employees of BWM will not interfere with (i) making decisions in the best interest of advisory clients and (ii) implementing such decisions while, at the same time, allowing employees to invest for their own accounts. Under the Code certain classes of securities have been designated as exempt transactions, based upon a determination that these would materially not interfere with the best interest of BWM’s clients. In addition, the Code requires pre-clearance of certain transactions and restricts trading in close proximity to client trading activity. Nonetheless, because the Code of Ethics in some circumstances would permit employees to invest in the same securities as clients, there is a possibility that employees might benefit from market activity by a client in a security held by an employee. Employee trading is continually monitored under the Code of Ethics, and to reasonably prevent conflicts of interest between BWM and its clients. BWM’s clients or prospective clients may request a copy of the firm's Code of Ethics by contacting James E. Salter at (925) 833-9999 or via email at james@blossomwm.com. Personal Trading Practices Adviser and its representatives buy and sell for their personal accounts investment products identical to those recommended to clients. It is the express policy of Adviser that neither Adviser, nor its representatives may purchase or sell any security prior to a transaction being implemented for an advisory account except when entered as part of an aggregated purchase (See Aggregation with Client Orders below for more information). This policy is meant to prevent Adviser and/or its representatives from benefiting as a result of transactions placed on behalf of advisory accounts. Adviser has established the following restrictions in order to ensure its fiduciary responsibilities to clients are met: 1. No principal or employee of our firm may put his or her own interest above the interest of an advisory client. 2. No principal or employee of the firm may buy or sell securities for their personal portfolio(s) where their decision is a result of information received as a result of his or her employment unless the information is also available to the investing public. 3. BWM requires prior approval for any IPO or private placement investments by related persons of the firm. 4. BWM maintains a list of all reportable securities holdings for our firm and anyone associated with this advisory practice that has access to advisory recommendations ("access person"). These holdings are reviewed on a regular basis by our firm's Chief Compliance Officer or his/her designee. 5. BWM has established procedures for the maintenance of all required books and 27 Blossom Wealth Management Part 2A Brochure  records. 6. Clients can decline to implement any advice rendered, except in situations where BWM is granted discretionary authority. 7. All of the principals and employees must act in accordance with all applicable Federal regulations governing registered investment advisory practices. Insider Trading In accordance with Section 204A of the Investment Advisers Act of 1940, Adviser also maintains and enforces written policies reasonably designed to prevent the misuse of material non-public information by Adviser. Privacy Statement BWM is committed to safeguarding the confidential information of its clients and holds all personal information provided to it in the strictest confidence. These records include all personal information that BWM collects from its clients or receives from other firms in connection with any of the financial services they provide. BWM also requires other firms with whom they deal to restrict the use of client’s information. Item 12 – Brokerage Practices The Custodian and Brokers We Use Investment Management Services Clients must maintain assets in an account at a “qualified custodian,” generally a broker- dealer or bank. We recommend that our clients use Charles Schwab & Co., Inc. (Schwab), a registered broker-dealer, member SIPC, as the qualified custodian. We are independently owned and operated and unaffiliated with Schwab. Schwab will hold client assets in a brokerage account and buy and sell securities when we instruct them to. While we recommend that clients use Schwab as custodian/broker, client must decide whether to do so and open accounts with Schwab by entering into account agreements directly with them. We will open accounts with Schwab on the client’s behalf and will notify the client in writing of the custodian’s name, address, and the title of the account, promptly when the account is opened and following any changes to this information. The accounts will always be held in the name of the client and never in Blossom’s name. Even though clients maintain accounts at Schwab, we can still use other brokers to execute trades for client accounts (see Client Brokerage and Custody Costs, below). How We Select Brokers/Custodians We seek to recommend a custodian/broker who will hold client assets and execute transactions on terms that are, overall, most advantageous when compared to other available providers and their services. We consider a wide range of factors, including, among others: 1. Combination of transaction execution services and asset custody services (generally without a separate fee for custody) 28 Blossom Wealth Management Part 2A Brochure  2. Capability to execute, clear, and settle trades (buy and sell securities for client accounts) 3. Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.) 4. Breadth of available investment products (stocks, bonds, exchange-traded funds [ETFs], etc.) 5. Availability of investment research and tools that assist us in making investment decisions 6. Quality of services 7. Competitiveness of the price of those services (commission rates, other fees, etc.) and willingness to negotiate the prices 8. Reputation, financial strength, and stability 9. Prior service to Blossom and our other clients 10. Availability of other products and services that benefit us, as discussed below (see Products and Services Available to Us From Schwab). Client Brokerage and Custody Costs For our clients’ accounts that Schwab maintains, Schwab generally does not charge separately for custody services. However, Schwab receives compensation by charging commissions or other fees on trades that it executes or that settle into clients’ Schwab accounts. In addition to commissions, Schwab charges a flat dollar amount as a “prime broker” or “trade away” fee for each trade that we have executed by a different broker-dealer, but where the securities bought or the funds from the securities sold are deposited (settled) into a client’s Schwab account. These fees are in addition to the commissions or other compensation the client pays the executing broker-dealer. Because of this, in order to minimize trading costs, we have Schwab execute most trades for client accounts. We have determined that having Schwab execute most trades is consistent with our duty to seek “best execution” of client trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above (see How We Select Brokers/Custodians). Products and Services Available to Us from Schwab Schwab Advisor Services™ is Schwab’s business serving independent investment advisory firms like us. They provide Blossom and our clients with access to its institutional brokerage, trading, custody, reporting, and related services, many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts; others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis (we do not have to request them) and at no charge to us. Following is a more detailed description of Schwab’s support services: 29 Blossom Wealth Management Part 2A Brochure  Services That Benefit Our Clients Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by our clients. Schwab’s services described in this paragraph generally benefit our clients and their accounts. Services That May Not Directly Benefit Our Clients Schwab also makes available to us other products and services that benefit us but may not directly benefit our clients or their accounts. These products and services assist us in managing and administering our clients’ accounts. They include investment research, both Schwab’s own and that of third parties. We may use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that: 1. Provide access to client account data (such as duplicate trade confirmations and account statements) 2. Facilitate trade execution and allocate aggregated trade orders for multiple client accounts 3. Provide pricing and other market data 4. Facilitate payment of our fees from our clients’ accounts 5. Assist with back-office functions, recordkeeping, and client reporting Services That Generally Benefit Only Us Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include: 1. Subsidized pricing on Accredited Investment Fiduciary® (AIF®) Designation made available to affiliated persons of Blossom 2. Educational conferences and events 3. Consulting on technology, compliance, legal, and business needs 4. Publications and conferences on practice management and business succession 5. Access to employee benefits providers, human capital consultants, and insurance providers Schwab provides some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to us. Schwab has also discounted or waived its fees for some of these services or paid all or a part of a third party’s fees in the past and may do so again in the future. Schwab may also provide us with other benefits, such as occasional business 30 Blossom Wealth Management Part 2A Brochure  entertainment of our personnel. Our Interest in Schwab’s Services The availability of these services from Schwab benefits us because we do not have to produce or purchase them. These services are not contingent upon us committing any specific amount of business to Schwab in trading commissions. We believe that our selection of Schwab as custodian and broker is in the best interests of our clients. Brokerage for Client Referrals Blossom does not receive client referrals from any broker-dealer or third party in exchange for using that broker-dealer or third party. Directed Brokerage Blossom will not allow clients to direct us to use a specific broker-dealer to execute transactions. Clients must use the broker-dealers that we recommend. Not all investment advisers require their clients to trade through specific brokerage firms. By requiring clients to use Schwab, Blossom believes we may be able to more effectively manage the client’s portfolio, achieve favorable execution of client transactions, and lower the overall costs to the portfolio. Client accounts will always be held in the name of the client and never in Blossom’s name. Even though clients maintain accounts at Schwab, we can still use other brokers to execute trades for client accounts. Since we require most of our clients to maintain their accounts with Schwab, it is also important for clients to consider and compare the significant differences between having assets custodied at another broker-dealer, bank, or other custodian prior to opening an account with us. Some of these differences include but are not limited to; total account costs, trading freedom, transaction fees/commission rates, and security and technology services. Blossom generally will not recommend a broker-dealer/custodian to individuals in existing employer-sponsored plan accounts. Aggregation with Client Orders Blossom generally aggregates transactions in like securities among client accounts as well as with accounts of Blossom and our personnel. Aggregation presents a conflict of interest as we may have an incentive to allocate more favorable executions to our own accounts or the accounts of our personnel. Our policies to address this conflict are as follows: 1. We disclose our aggregation policies in this brochure; 2. We will not aggregate transactions unless we believe that aggregation is consistent with our duty to seek best execution (which includes the duty to seek best price) for our clients. The trade also needs to be consistent with the terms of our investment advisory agreement with each client that has an account included in the aggregation; 3. We will not favor any account over any other account. This includes accounts of Blossom or any of our personnel. Each account in the aggregated order will participate at the average share price for all of our transactions in a given security on a given business day (per custodian). All accounts will pay their individual transaction 31 Blossom Wealth Management Part 2A Brochure  costs; 4. Transactions in the same security placed throughout the trading day may be priced differently for certain groups of accounts based on several factors, which may include the following: a. By portfolio manager/strategy - BWM’s portfolio managers place trades for one or more of the firm’s strategies throughout each trading day and generally allocate blocks of shares only for the strategy/s they are responsible for managing (Note: portfolio managers trading for more than one strategy aggregate shares in the same security at the same time among all the strategies they manage). For example, Manager A may enter an order for a block of shares and send the participating account allocations to each custodian before Manager B places a trade in the same security later that day. In this case, the shares of the same security traded by Manager B will receive different pricing than those traded by Manager A, which may be better or worse according to the markets at the time the order is executed. In addition, at times, a portfolio manager may “work” a trade for a specific security throughout the course of a day and then, in an effort to treat clients equally, average the share price among all participating accounts after market close. Irrespective of the above, all clients will be treated fairly and equally, and no allocation will be made in a manner designed to benefit any account or group of accounts. 5. Before entering an aggregated order, we will prepare a written statement (the “Allocation Statement”) specifying the participating accounts and how we intend to allocate the order among those accounts; 6. If the aggregated order is filled entirely, we will allocate shares among clients according to the Allocation Statement; if the order is partially filled, we will generally allocate it pro-rata according to the Allocation Statement. However, we may allocate the order differently than specified in the Allocation Statement if all client accounts receive fair and equitable treatment. Examples include but are not limited to: a. When only a small percentage of the order is executed, with respect to purchase allocations, allocations may be given to accounts high in cash; b. With respect to sale allocations, allocations may be given to accounts low in cash; c. We may allocate shares to the account with the smallest order, or to the smallest position, or to an account that is out of line with respect to security or sector weightings, relative to other portfolios with similar mandates; d. We may allocate to one account when that account has limitations in its investment guidelines prohibiting it from purchasing other securities that we expect to produce similar investment results and that can be purchased by other accounts in the block; e. If an account reaches an investment guideline limit and cannot participate in 32 Blossom Wealth Management Part 2A Brochure  an allocation, we may reallocate shares to other accounts. For example, this may be due to unforeseen changes in an account’s assets after an order is placed; In any case, we will explain the reasons for a different allocation in writing, which the CCO must approve; 7. If an aggregated order is partially filled and we allocate it differently than the Allocation Statement specifies, no participating account may purchase or sell the security for a reasonable period following the execution of the block trade. This only applies when the participating account sells or receives more shares than it would have if the aggregated order had been completely filled; 8. Our books and records will separately reflect each aggregated order and the securities held by, bought, and sold for each client account; 9. Funds and securities of clients participating in an aggregated order will be deposited with one or more qualified custodians. Clients’ cash and securities will not be held collectively any longer than is necessary to settle the trade on a delivery versus payment basis. Following settlement, cash or securities held collectively for clients will be delivered out to the qualified custodian as soon as practical; 10. We do not receive additional compensation or remuneration of any kind as a result of aggregating orders; and 11. We will provide individual investment advice and treatment to each client’s account. Item 13 – Review of Accounts Review of Accounts Investment Management Services We manage client portfolios on a continuous basis and George A. Salter II, CEO and James E. Salter, COO generally review each client’s investment account on at least an annual basis. Accounts are reviewed in the context of each client's stated investment objectives and guidelines. More frequent reviews may be triggered by material changes in variables such as the client's individual circumstances, or the market, political or economic environment. Meetings with clients to discuss investment accounts will be scheduled on a mutually agreed upon basis. Triggering factors that stimulate the review of a client’s account during interim annual periods include, but are not limited to, the client’s request for an additional review and/or the additional deposit of funds into the account. Rebalancing BWM offers periodic ‘rebalancing’ of client portfolios so that in the face of fluctuating market prices, each client’s portfolio remains at what we deem to be a reasonable allocation suitable with the client’s stated objective. 33 Blossom Wealth Management Part 2A Brochure  Financial Planning Services Clients that have contracted with the firm for financial planning services will be provided with a review and update to their plan upon their request at our planning rate of $250 per hour. BWM waives these fees for clients that have engaged us for Investment Management Services with portfolios holding $1 million or more in assets under our management. Retirement Plan Consulting Services Retirement Plan Consulting clients receive reviews of their retirement plans by James Salter, COO, George Salter, CEO, and Craig Braemer, Portfolio Manager, at least annually for the duration of the service. Our firm also provides ongoing services where clients are met upon their request to discuss updates to their plans, changes in their circumstances, etc., at a frequency that is mutually agreed to between the advisor and the Plan. Retirement Plan Consulting clients do not receive written or verbally updated reports regarding their plans unless they choose to engage our firm for ongoing services. Reports to Clients Investment Management Services Clients will receive monthly statements directly from their account custodian(s). Additionally, Blossom provides Investment Management Services clients with a quarterly report that provides rate of return for each investment account and a total portfolio rate of return. These reports are posted to the client web portal provided by Advyzon. Item 14 – Client Referrals and Other Compensation Outside Referrals BWM may refer clients to unaffiliated professionals for specific needs, such as insurance, mortgage brokerage, real estate sales, and estate planning, legal, and/or tax/accounting services. In turn, these professionals may refer clients to BWM for investment management/financial planning needs. We do not have any agreements with individuals or companies that we refer clients to, and we do not receive any compensation for these referrals. However, it could be concluded that BWM is receiving an indirect economic benefit from the arrangement, as the relationships are mutually beneficial. For example, there could be an incentive for us to recommend services of firms who refer clients to BWM. BWM only refers clients to professionals we believe are competent and qualified in their field, but it is ultimately the client’s responsibility to evaluate the provider, and solely the client’s decision whether to engage a recommended firm. Clients are under no obligation to purchase any products or services through these professionals, and BWM has no control over the services provided by another firm. Clients who choose to engage these professionals will sign a separate agreement with the other firm. Fees charged by the other firm are separate from and in addition to fees charged by BWM. BWM does not receive any portion of fees paid to outside professionals. If the client desires, BWM will work with these professionals or the client’s other advisors (such as an accountant or attorney) to help ensure that the provider understands the client’s financial plan/investments and to coordinate services for the client. BWM does not share 34 Blossom Wealth Management Part 2A Brochure  information with an unaffiliated professional unless first authorized by the client. Schwab Support Products and Services We receive an economic benefit from Schwab in the form of the support products and services it makes available to us and other independent investment advisors whose clients maintain their accounts at Schwab. These products and services, how they benefit us, and the related conflicts of interest are described above (see Item 12 – Brokerage Practices).We do not base particular investment advice, such as buying particular securities for our clients, on the availability of Schwab’s products and services to us. Item 15 – Custody Blossom has limited custody of our clients’ funds or securities when the client authorizes us to deduct our management fees directly from the client’s account. As previously disclosed in Item 5 – Fees and Compensation, BWM directly debits advisory fees from client accounts. As part of this billing process, the client's custodian is advised of the amount of the fee to be deducted from that client's account. On at least a quarterly basis, the custodian is required to send to the client a statement showing all transactions within the account during the reporting period. Because the custodian does not calculate the amount of the fee to be deducted, it is important for clients to carefully review their custodial statements to verify the accuracy of the calculation, among other things. Clients should contact BWM directly if they believe that there may be an error in their statement. Blossom is also deemed to have custody of clients’ funds or securities when clients have standing authorizations with their custodian to move money from a client’s account to a third-party (“SLOA”) and under that SLOA authorize us to designate the amount or timing of transfers with the custodian. The SEC has set forth a set of standards intended to protect client assets in such situations, which we follow. Item 16 – Investment Discretion Discretionary Management BWM generally receives discretionary authority from the client at the outset of an advisory relationship to select the identity and amount of securities to be bought and sold. In all cases, however, such discretion is to be exercised in a manner consistent with the stated investment objectives for the particular client account. When selecting securities and determining amounts, BWM observes the investment policies, limitations, and restrictions of the clients for which it advises. For registered investment companies, BWM’s authority to trade securities may also be limited by certain federal securities and tax laws that require diversification of investments and favor the holding of investments once made. Investment guidelines and restrictions must be provided to BWM in writing. Non-Discretionary Management For non-discretionary investment advisory services provided to participant-directed retirement plans, BWM assists the retirement plan client in making decisions about the selection, retention, removal, and addition of plan investment options to be made available under the plan. The retirement plan client retains and exercises final decision-making implementation (or rejection) of BWM's authority and responsibility for the 35 Blossom Wealth Management Part 2A Brochure  recommendations and advice. Item 17 – Voting Client Securities Proxy Voting As a matter of firm policy and practice, BWM does not have any authority to, and does not vote proxies on behalf of, advisory clients. Clients retain the responsibility for receiving and voting proxies for any and all securities maintained in client portfolios. ERISA For accounts subject to ERISA, an authorized plan fiduciary other than BWM will retain proxy voting authority. Our investment advisory agreement and/or the plan’s written documents will evidence and outline this authority. Mutual Funds The investment adviser that manages the assets of a registered investment company (i.e., mutual fund) generally votes proxies issued on securities held by the mutual fund. Class Actions Blossom does not instruct or give advice to clients on whether or not to participate as a member of class action lawsuits and will not automatically file claims on the client’s behalf. However, if a client notifies us that they wish to participate in a class action, we will provide the client with any transaction information pertaining to the client’s account needed for the client to file a proof of claim in a class action. Tender Offers BWM sometimes provides advice to clients regarding tender offers associated with positions held in client accounts. Furthermore, BWM generally communicates the firm's position. Item 18 – Financial Information Registered investment advisers are required in this Item to provide you with certain financial information or disclosures about BWM’s financial condition. BWM has no financial commitment that impairs its ability to meet contractual and fiduciary commitments to clients and has not been the subject of a bankruptcy proceeding. Under no circumstances do we require or solicit payment of fees in excess of $1,200 per client more than six months in advance of services rendered. Therefore, we are not required to include a financial statement. 36 Blossom Wealth Management Part 2A Brochure  Part 2B of Form ADV: Brochure Supplements Item 1 – Cover Page Information Pertaining to: George A. Salter II James E. Salter Craig Braemer Blossom Wealth Management, LLC PO Box 125 Alamo, CA 94507 Tel: (925) 946-9999 Fax: (877) 665-8765 www.blossomwm.com March 26, 2026 This Brochure Supplement provides information about George A. Salter II, James E. Salter, and Craig Braemer that supplements the Blossom Wealth Management brochure. You should have received a copy of that Brochure. Please contact James E. Salter at (925) 833-9999 or via email at james@blossomwm.com if you did not receive BWM’s Brochure or if you have any questions about the contents of this supplement. Additional information about the above named individuals is available on the SEC’s website at www.adviserinfo.sec.gov.  Description of Professional Designations Used in this Brochure Supplement* 1Accredited Investment Fiduciary The Accredited Investment Fiduciary (“AIF®”) designation is issued by the Center for Fiduciary Studies. To earn the designation, each AIF® candidate must complete either a web-based or a capstone program, pass a final certification exam, and complete a minimum of 6 hours of continuing education per year. AIF® designees must also sign and agree to abide by a code of ethics. More information regarding the AIF is available at http://www.fi360.com/main/designations_aif.jsp. 2Chartered Financial Analyst The Chartered Financial Analyst® (“CFA®”) designation is sponsored by the CFA Institute. To earn a CFA charter, candidates must have four years of qualified investment work experience, become a member of CFA Institute, pledge to adhere to the CFA Institute Code of Ethics and Standards of Professional Conduct on an annual basis, apply for membership to a local CFA member society, and complete the CFA Program. The CFA Program is organized into three levels, each culminating in a six-hour exam. The three proctored course exams correspond to three 250-hour self-study levels. Completing the Program takes most candidates between two and five years. More information regarding the CFA is available at https://www.cfainstitute.org. 3CERTIFIED FINANCIAL PLANNERTM Certain persons, as identified in this Supplement below, are certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, they may refer to themselves as CERTIFIED FINANCIAL PLANNER™ professionals or CFP® professionals and may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.CFP.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. • Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. ii Blossom Wealth Management Part 2B Supplements  • Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. • Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. iii Blossom Wealth Management Part 2B Supplements  George A. Salter II Item 2 – Educational Background and Business Experience George A. Salter II, Member, CEO – born 1974 Education: ● University of San Diego, School of Law, San Diego, CA, 2001, Juris Doctor ● Dominican University of California, San Rafael, CA, 1999, Master in Business Administration – Pacific Basin Studies and Sustainable Management ● Dominican University of California, San Rafael, CA, 1997, Bachelor of Arts in Political Science Securities Examinations and Licenses: ● FINRA Series 7 – 04/02 (General Securities Representative Examination ● FINRA Series 66 – 06/02 (Investment Company and Variable Contract Products Representative Examination) ● FINRA Series 79 – 11/12 (Investment Banking Representative) Licensing: ● California State Insurance – Variable Contracts, Life, Accident, and Health. California Insurance License Number 0D64714 Professional Designations: ● 3CERTIFIED FINANCIAL PLANNER™ CFP® Business Background: ● Blossom Wealth Management, LLC, Alamo, CA – 06/09 to Present, CEO & Member ● Blossom Ventures, LLC, Alamo, CA – 01/12 to 12/20, Partner ● KW Securities Corporation, Larkspur, CA – 11/13 to 09/22, Registered Representative ● Wingman Retirement, LLC, Alamo, CA – 01/15 to 12/15, Founding Member ● Instream Partners, Menlo Park, CA – 10/13 to 10/14, Registered Representative ● Fallbrook Capital Securities Corp., West Hills, CA – 06/11 to 10/13, Registered Representative ● Dominican University of California, San Rafael, CA – 02/09 to 01/12, Adjunct Faculty ● Morgan Stanley Smith Barney, Walnut Creek, CA – 06/09 to 06/09, Registered Representative ● Citigroup Global Markets, Inc., Walnut Creek, CA – 08/05 to 06/09, Financial Advisor ● Merrill Lynch, Pierce, Fenner & Smith, Inc., Oakland, CA – 09/03 to 08/05, Financial Advisor Biography: George’s education began when he earned a soccer scholarship to Dominican University of California in San Rafael. First, George pursued his Bachelor of Arts in Political Science. He then stayed at Dominican to study business, graduating with an MBA in International Finance/Sustainable Development. Realizing how often legal issues arise in the business iv Blossom Wealth Management Part 2B Supplements  world, George completed his education at the University of San Diego, School of Law. He earned his J.D. in December 2001. These graduate studies laid the foundation for the global investment program that George runs today. Whether working for a gold mine in Ghana, traveling extensively through Spain and Brazil, or learning about winegrowing in the Rhinegau region of Germany, George was constantly aware of the interconnected global economy. We believe that these experiences, combined with advanced research on behavioral finance during law school, have given George a truly unique perspective on financial planning and wealth migration. George has been a financial advisor since February 2002. Over the years, he has assisted his clients and his colleagues’ clients in creating and implementing complex estate and business succession plans. He is a CERTIFIED FINANCIAL PLANNER™, CFP®. Today, George helps business owners, corporate executives, and other individuals manage their assets. Consistent with his sustainable background, George is an advisor who incorporates triple bottom line investment principles during portfolio creation. He believes that the companies able to compete in the 21st century will be conscious about how they impact society and the environment in addition to potentially being profitable financially. Outside the office, George is active with several non-profits and community organizations. George previously was an adjunct faculty member at Dominican, teaching a personal finance course. He sits on two Business Advisory Boards: the first at his alma mater and the second at Benedictine College in Atchison, Kansas. In his free time, George is a soccer enthusiast, inspired chef, and house project extraordinaire. He and his wife Nicole live in Alamo, CA with their two sons, Heathcliff and Julian. Community Commitments: ● Flight to Freedom Community event director (2012 – Present) ● Advisory Board for School of Business and International Studies at Dominican University of California (2009 – 2015) ● Dominican University of California Business Association (DUCBA) speaker, organizer, and contributor (2009 – 2015) ● Dominican University of California Athletics Booster Club Member (2010 – 2015) ● Mustang Soccer Assistant – Parent Volunteer (2009 – 2015) Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities ● George A. Salter II is a licensed insurance agent with the State of California. 1 hour/mo. ● George A. Salter II currently serves on the Business Advisory Board for Follr, Inc. 1 hour/mo. v Blossom Wealth Management Part 2B Supplements  Item 5 – Additional Compensation In addition to George Salter’s compensation from his regular salary and ownership of BWM, he also receives commissions from the sale of insurance products, as described above in Item 4 – Other Business Activities. Item 6 – Supervision George A. Salter II, CEO, and James E. Salter, COO, are responsible for all supervision and monitoring of investment advice offered to clients. George can be reached at 925-946-9999 and James can be reached at 925-833-9999. vi Blossom Wealth Management Part 2B Supplements  James E. Salter Item 2 – Educational Background and Business Experience James E. Salter, Member, COO, CCO – born 1978 Education: ● Dominican University of California, San Rafael, CA, 2002, Master in Business Administration - Global Strategic Management ● Dominican University of California, San Rafael, CA, 2001, Bachelor of Arts in Business – Concentration in International Business Securities Examinations and Licenses: ● FINRA Series 7 – 12/06 (General Securities Representative Examination) ● FINRA Series 24 – 11/16 (General Securities Principal Examination) ● FINRA Series 66 – 03/07 (Investment Company and Variable Contract Products Representative Examination) ● FINRA Series 79 – 03/12 (Investment Banking Representative) Licensing: ● California State Insurance – Variable Contracts, Life, Accident, and Health. California Insurance License Number 0F75024 Professional Designations: ● 1Accredited Investment Fiduciary® (AIF®) Business Background: ● Blossom Wealth Management, LLC, Alamo, CA – 06/09 to Present, Member, Chief Compliance Officer, and Chief Operating Officer ● Blossom Ventures, LLC, Alamo, CA – 01/12 to 12/20, Partner ● KW Securities Corporation, Larkspur, CA – 11/13 to 09/22, Registered Representative ● Wingman Retirement, LLC, Alamo, CA – 01/15 to 12/15, Founding Member ● Instream Partners, Menlo Park, CA – 10/13 to 10/14, Registered Representative ● Fallbrook Capital Securities Corp., West Hills, CA – 06/11 to 10/13, Registered Representative ● Dominican University of California, San Rafael, CA – 02/09 to 01/12, Adjunct Faculty ● Morgan Stanley Smith Barney, Walnut Creek, CA – 06/09 to 06/09, Registered Representative ● Citigroup Global Markets, Inc., Walnut Creek, CA – 03/07 to 06/09, Financial Advisor Biography: James joined the team in 2007 and has been a financial advisor since February 2002. Over the years, he has assisted his clients and his colleagues’ clients to create and implement complex estate and business succession plans. As a financial advisor, James is also an Accredited Investment Fiduciary® (AIF®). Prior to becoming a financial advisor, he spent seven years developing web-based businesses and working as a family wealth manager in vii Blossom Wealth Management Part 2B Supplements  Berkeley. He provides investment planning and asset management strategies for institutions, trusts, endowments, corporate executives, and high-net-worth families. James graduated Summa Cum Laude from Dominican University of California with a Bachelor of Arts in Business Administration and a Concentration in International Business. He also earned his MBA in Global Strategic Management with a focus on sustainable development. While attending Dominican, James played on the Men’s basketball team in the California Pacific Conference. In 2009, he was asked to return to Dominican as an adjunct instructor in the business department. He previously taught a course titled, “General Principles in Personal Finance.” In addition, James serves on the Alumni Board, where he focuses on career development by arranging internships. Originally from San Diego, James has lived in the Bay Area since 1997. He enjoys meeting entrepreneurs and clean tech professionals to learn more about their businesses. On the weekend, he can be found playing his guitar, snowboarding, cycling, trail running, scuba diving, golfing, and planning adventure photography. Like his two older brothers, James is an Eagle Scout who astounds his wife by tirelessly working on projects at their San Ramon home. James and his wife Allison live in San Ramon, CA with their three children Isabella, Evangeline and Sterling. James is a passionate traveler. He has visited Argentina, Australia, Austria, The Bahamas, Barbados, Bolivia, Brazil, the British Virginia Islands, Canada, Chile, China, Costa Rica, Croatia, Cuba, Curacao, The Czech Republic, Denmark, Dominica, Egypt, Estonia, Fiji, Finland, France, Germany, Greece, Guatemala, Hong Kong, Hungary, India, Italy, Jamaica, Kenya, Liechtenstein, Malaysia, Malta, Mexico, The Netherlands, New Zealand, Nicaragua, Norway, Panama, Paraguay, Peru, Poland, Portugal, Russia, Singapore, Slovakia, Spain, Sweden, Switzerland, Tanzania, Thailand, Turkey, Uruguay, the United Kingdom, the U.S. Virgin Islands, and Vatican City. Community Commitments: ● Flight to Freedom Community event director (2012 – Present) ● Dominican University of California Business Association (DUCBA) speaker, organizer, and contributor (2009 – 2015) ● Dominican University of California Athletics Booster Club Member (2010 – 2015) Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities ● James E. Salter is a licensed insurance agent with the State of California. 5 hours/mo. ● James E. Salter currently serves on the Business Advisory Board for Follr, Inc. 1 hour/mo. viii Blossom Wealth Management Part 2B Supplements  Item 5 – Additional Compensation In addition to James Salter’s compensation from his regular salary and ownership of BWM, he also receives commissions from the sale of insurance products, as described above in Item 4 – Other Business Activities. Item 6 – Supervision George A. Salter II, CEO, and James E. Salter, COO, are responsible for all supervision and monitoring of investment advice offered to clients. George can be reached at 925-946-9999 and James can be reached at 925-833-9999. ix Blossom Wealth Management Part 2B Supplements  Craig Braemer Item 2 – Educational Background and Business Experience Craig Braemer, Portfolio Manager – born 1959 Education: ● Master in Financial Services from the Golden Gate University, 1990. ● California Polytechnic State University, San Luis Obispo, 1982 Bachelor in Business Administration – Financial Management and Accounting. Professional Designations: ● ● 2Chartered Financial Analyst®, CFA®, 1989. 3CERTIFIED FINANCIAL PLANNER™ CFP®. Business Background: ● Blossom Wealth Management, LLC, Alamo, CA - 02/18 to Present, Portfolio Manager ● HighMark Capital Management, Union Bank, San Francisco, Senior Portfolio Manager, Executive Director, 6/94 - 2/18. Biography: Craig's education began at California Polytechnic State University, San Luis Obispo. During his five years of college, he received two degrees, one in Financial Management as a B.S. and the other in Accounting from the Business School. He did this while playing soccer for three years for the School’s Division Two soccer team. After graduating, he worked a couple of years in the investment world at Merrill Lynch, but upon leaving Craig decided to improve his educational background further and build a solid financial and investment foundation for his future. While working at Franklin Templeton Investments, RWB Advisory Services and Fisher Investments over the coming 8 years; Craig improved his educational foundation during these eight years by starting and then completing his Master in Financial Services from Golden Gate University, acquiring the CERTIFIED FINANCIAL PLANNER™ or CFP® designation and completing the Chartered Financial Analyst designation or CFA. During a number of these years, he was working on all three programs simultaneously. In addition to the additional education background, these original four firms helped Craig build a significant investment and financial planning base which has been very useful in his career and in working with clients. All of this work and education drove him to follow his passion further into the stock market and investment analysis and he started working at a small investment management firm, Fisher Investments, as an analyst. After six years, he joined a larger organization, Merus Capital Management, a division of Bank of California to improve his analytical skills and follow more specific industries. This firm, after several name changes, became HighMark Capital Management, owned by Union Bank where he worked for almost 24 years. During this time, he was a Research Analyst, Assistant Fund Manager - HighMark Growth Fund, Portfolio Fund Manager - HighMark Growth Fund, Director of Investments, Senior Portfolio Manager, and Investment Executive. During part of these 24 years, he also ran an investment strategy called Relative Dividend Yield for both institutional and high net worth clients of HighMark Capital Management. x Blossom Wealth Management Part 2B Supplements  During the second half of his time at HighMark Capital Management he participated on the firm’s Asset Allocation Committee (AAC) which was the guiding force overseeing the Firm’s asset allocation for all of their clients. He was a voting member on this committee throughout his time on the Committee. This combined with his role as Director of Investments led him to present to groups of clients and participate in other group events representing HighMark. In recent years, Craig focused primarily on managing individual client portfolios and providing financial planning advice directly with clients ranging from retirees, trusts, corporate executives, foundations, pension plans while he worked at HighMark Capital Management. He also continued his research efforts by following two sectors of the S&P 500 Index for HighMark’s internal equity research team. These two sectors were Utilities and Real Estate Investment Trusts – REITs. His research would be used in building all client individual stock portfolios in these two sectors by the other 20 portfolio managers. Finally, Craig built one of HighMark’s first Socially Responsible Investment portfolios with client’s and managed that client’s money directly. Outside the office, Craig is very active with one non-profit Group, BetterInvesting.org, and helps in several other community organizations. Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4 – Other Business Activities Craig has been an active participant, and a Director, in a non-profit education group called BetterInvesting for over 25 years. He works at the local level by visiting local investment clubs and teaching at local educational events. Since 2015, he has been invited to present and participate at the organization’s annual BetterInvesting National Conference (BINC) which is held in different locations around the U.S. This three-day event brings together hundreds of like-minded individuals to learn and discuss investments and stock ideas. Item 5 – Additional Compensation Craig E. Braemer does not receive any additional compensation from third parties for providing investment advice. Item 6 – Supervision George A. Salter II, CEO, and James E. Salter, COO, are responsible for all supervision and formulation and monitoring of investment advice offered to clients. George can be reached at 925.946.9999 and James can be reached at 925-833-9999. xi Blossom Wealth Management Part 2B Supplements  Rev. February 2021 PRIVACY INFORMATION WHAT DOES BLOSSOM WEALTH MANAGEMENT LLC (“BLOSSOM”) DO WITH YOUR PERSONAL INFORMATION? FACTS Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Investment experience and risk tolerance ● Social Security number and income ● Assets and account balances ● When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Blossom chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Blossom share? Can you limit this sharing? YES NO For our everyday business purposes - as permitted by law YES NO For our marketing purposes - to offer our products and services to you For joint marketing with other financial companies NO We Don’t Share NO We Don’t Share For our affiliates’ everyday business purposes - information about your transactions and experiences NO We Don’t Share For our affiliates’ everyday business purposes - information about your creditworthiness For nonaffiliates to market to you NO We Don’t Share Questions? Call 925-833-9999 or go to blossomwm.com  Page 2 WHO WE ARE Who is providing this notice? Blossom Wealth Management, LLC (“Blossom”) WHAT WE DO How does Blossom protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you How does Blossom collect my personal information? seek advice about your investments tell us about your investment or retirement portfolio tell us about your investment or retirement earnings ● ● enter into an investment advisory contract ● ● ● give us your contact information We also collect your personal information from other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: ● sharing for affiliates’ everyday business purposes - information about your creditworthiness sharing for nonaffiliates to market to you ● affiliates from using your information to market to you ● State laws and individual companies may give you additional rights to limit sharing. DEFINITIONS Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. ● Blossom has no affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies. ● Blossom does not share with nonaffiliates so they can market to you. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. ● Blossom doesn’t jointly market.