ROBINSWOOD BROCHURE ADV 2A JULY 2026

Part 2A of Form ADV: Firm Brochure Item 1 Cover Page (425) 296-1 611 • 34 25 Cari llon Poi nt - Build ing 300 0, 4th Floo r - Ki rkland, WA 98033 www.Rob inswood .com July 1, 2026 For m ADV Part 2A BRO CHU RE This disclosure document provides information about the qualifications and business practices of Robinswood Financial LLC (“Robinswood”) . If you have any questions about the contents of this brochure, please contact us at 425-296-1611. 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. Additional information about Robinswood Financial, LLC is available on the SEC’s website at www.adviserinfo.sec.gov. Robinswood Financial LLC is a registered investment adviser. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training, and you should not choose an investment adviser solely on the basis of its status as a registered investment adviser. Please consider the information provided to you in oral and written communications to determine whether to hire or retain an investment adviser and to evaluate an investment adviser’s qualifications and business practices.  Item 2 Material Changes MATERIAL CHANGES Form ADV Part 2A, Item 2 The SEC adopted “Amendments to Form ADV” in July, 2010. This Firm Brochure, dated March 30, 2026, is our new disclosure document prepared according to the SEC’s new requirements and rules. Item 4, Page 6: Assets Under Management has changed sine the last update. the Chief Compliance Officer, at 425-296-1611 or Robinswood clients may request a full copy of the latest version of this document at any time by contacting info@Robinswood.com. A complete copy is also available online at Robinswood.com/about_disclaimer.html 2  Item 3 Table of Contents Table of Contents Advisory Business ...................................................................................................................................... 4 Fees and Compensation .............................................................................................................................. 7 Performance-Based Fees and Side-By-Side Management ......................................................................... 8 Types of Clients .......................................................................................................................................... 9 Methods of Analysis, Investment Strategies and Risk of Loss ................................................................ 10 Disciplinary Information ............................................................................................................................12 Other Financial Industry Activities and Affiliations ................................................................................. 12 Code of Ethics................................................................................................... ......................................... 13 Brokerage Practices .................................................................................................................................13 Review of Accounts .................................................................................................................................. 16 Client Referrals and Other Compensation ................................................................................................ 17 Custody .................................................................................................................................................... 18 Investment Discretion ............................................................................................................................... 19 Voting Client Securities ............................................................................................................................ 20 Financial Information ............................................................................................................................... 21 3  Item 4 Advisory Business Advisory Business Robinswood Financial LLC is a registered investment advisor (RIA) firm based in Kirkland, Washington and has been in business since February 2007. Edward L. Ward is the principal owner. Investment Advisory Services: Robinswood Financial provides investment management services on a fee only basis. Robinswood’s investment advisory services encompass a wide range of investment objectives, from conservative to aggressive, which gives the client and the advisor the flexibility to design a custom program and asset allocation that meets the client's specific needs. Each investment program is continuously managed based on the program's strategy. However, clients have the opportunity to place reasonable restrictions on the types of investments to be held in their accounts. We begin by gathering information from you to clearly define your individual financial objectives and your tolerance to risk. From this information our financial advisors carefully select investments to provide individually managed portfolios tailored to meet each client’s unique needs. Our objective is to deliver higher returns for our clients while providing maximum risk protection. When you open your new Schwab account to be managed by Robinswood Financial or name us as the advisor on a current Schwab account, we consult with you before making any initial investments. As part of ongoing monitoring, however, we will ask for limited trading authorization so we do not need to call you each time we need to make a trade, as long as the actions adhere to the investment plan we have developed with you. Robinswood’s investment programs comply with the following requirements: 1. Initial Interview - at the opening of the account, Robinswood, through its designated representatives, shall obtain from the client information sufficient to determine the client's financial situation and investment objectives; 2. Individual Treatment - the client's account is managed on the basis of the client's financial situation and investment objectives; 3. Quarterly Notice - at least quarterly, Robinswood notifies clients that they need to notify Robinswood if their financial situation or investment objectives have changed, or if they want to impose and/or modify any reasonable restrictions on the management of their accounts; 4. Annual Contact - at least annually, Robinswood contacts clients to determine whether their financial situation or investment objectives have changed, or if they want to impose and/or modify any reasonable restrictions on the management of their accounts; 5. Consultation Available - Robinswood is reasonably available to consult with clients regarding the status of their accounts. 4  Types of Investments: At the core of our investment strategy, Robinswood primarily uses institutional index and asset-class Exchange Traded Funds (ETF) for their superior historic long-term performance as compared to actively managed funds. These include U.S. and international equity (stock) funds that include different combinations of the major asset classes designed to limit your risk exposure through proper diversification. An asset class is a group of securities that have similar characteristics, have behaved similarly under certain market conditions, are bound by the same laws and regulations, and reflect different risks and returns. The three main asset classes used by Robinswood Financial are domestic equities (stocks), international equities (stocks), and fixed-income (bonds). ETF funds within an asset class can be further subdivided into fund categories. Fund categories provide a way of differentiating mutual funds by their features, content, and objectives, as well as their characteristics for risk and return. Having representation from different fund categories allows for further diversification. Depending on your risk tolerance, financial goals, and time horizon, your Robinswood Financial advisor shapes your portfolio to consist of a mix of securities from the following categories: U.S. large-cap growth U.S. large-cap value U.S. mid-cap growth U.S. mid-cap value U.S. small-cap growth U.S. small-cap value U.S. real estate U.S. Asset Classes        International Asset Classess International large-cap growth International large-cap value International mid-cap growth International mid-cap value International small-cap growth International small-cap value Emerging markets        Bond Classes Global high-grade bond funds Global high-yield bond funds Global short-term bond funds Global intermediate-term bond funds Government National Mortgage Association (GNMA, or "Ginnie Mae") funds Emerging market debt       5  Robinswood Financial is a advisor with approved access to Dimensional funds (DFA). Robinswood also makes use of Vanguard funds and selected Exchange Traded Funds (ETF's). A typical portfolio will have 10-16 carefully selected investments. The goals of our investment strategy are superior portfolio construction, diversification, low costs, disciplined rebalancing, competitive returns, and protection of principal. The portfolios are managed to adapt to changing economic conditions, tax considerations, cash-flow needs, and personal situations. Clients wishing to impose restrictions upon their portfolios and its holdings must do so in writing to Robinswood Financial. Assets Under Management: As of July1, 2026 Robinswood manages approximately $453,000,000 in total client assets on a discretionary basis. 6  Item 5 Fees and Compensation Fees and Compensation Instead of accepting commissions, referral fees, or other such compensation, Robinswood Financial charges a yearly portfolio management fee based on the size of your account. Management fees incurred are deducted from the clients assets at the end of each quarter. 0.1%. Client Assets Under Management - Robinswood Financial charges an investment management fee based on a percentage of the market value of the client's assets managed by Robinswood at the end of each calendar quarter. Fees are payable quarterly, in arrears, at the following annual rates: All Accounts are billed at 0.75% on the first $1 million, and then 0.2% on account values up to $5 million. V alues greater than $5 million are billed at Minimum Managed household account (or combination of accounts) is $250,000. Minimum account requirements may be waived at the discretion of Robinswood Financial. The blended annual fee: at $10 million is approximately 0.2%, at $20 million is 0.15%, at $30 million 0.1%. When you open your Schwab account, your first fees are prorated based on the day Robinswood Financial portfolio management agreement is executed. If f unds are deposited into or withdrawn from your Schwab account during the quarter, the fees may be prorated accordingly. Being compensated by this predetermined client fee rather than by commissions ensures that the advice you receive from us is unbiased and independent. Our fees increase only if your investments grow; there fore our interests a re closely aligned with yours. We focus on your financial objectives and your future, and our only motivation is your best interest. Additional Fees and Expenses The fees that you pay to our firm for investment advisory services are separate and distinct from the fees and expenses charged by ETFs and mutual funds (described in each fund’s prospectus) to their shareholders. You may incur transaction and/or brokerage fees when we purchase or sell index funds or other securities in your account. You may also pay other custodial fees. Please refer to your account agreement with Charles Schwab & Co. We do not share in any fees charged by the broker-dealer or custodian. To fully understand the total cost you will incur, you should review all the fees charged by all parties, including, but not necessarily limited to, mutual funds, exchange traded funds, our firm and the custodian (Charles Schwab & Co.). No part of the third‐party fees and costs described above is received by Robinswood or any of its employees. 7  Item 6 Performance-Based Fees and Side-By-Side Management Performance Based Fees and Side By Side Management We do not accept performance-based fees or participate in side-by-side management. Side-by-side management refers to the practice of managing accounts that are charged performance-based fees while at the same time managing accounts that are not charged performance-based fees. Performance-based fees are fees that are based on a share of capital gains or capital appreciation of a client’s account. Our fees are calculated as described in the “Fees and Compensation” section above, and are not charged on the basis of a share of capital gains upon, or capital appreciation of, the funds in your advisory account. 8  Item 7 Types of Clients Types of Clients In general, Robinswood Financial clients have the following characteristics:  They have a long-term focus, and know that it takes time to reach their financial goals and objectives.  They understand the nature of the financial markets as well as the characteristics of the different asset classes.  They tend to be savers rather than spenders.  They have decided to turn over the day-to-day control of their portfolios to professionals. The majority of our clients are individual investors for whom we manage taxable, IRA, and 401(k) money. We help such clients develop long-term plans for their assets, transition from their working lives into retirement, and manage their wealth. We also manage investment portfolios for trusts, charitable organizations and businesses. Our current account minimum is $250,000 per household account (or combination of accounts) in cash or marketable securities. This minimum account requirement may be waived for individuals related to or referred by current clients. 9  Item 8 Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis and Investment Strategies Robinswood's primary investment strategy is a globally diversified, long-term asset allocation approach designed to provide clients with a core investment portfolio that seeks long-term capital appreciation while managing overall portfolio risk through diversification. The strategy is intended for investors with varying risk tolerances and investment objectives and is generally not based on market timing, frequent trading, or security selection. The Adviser utilizes research based on principles developed through academic and financial research, including Modern Portfolio Theory and research regarding asset allocation, diversification, market efficiency, and long-term investing. The Adviser considers factors including a client's investment objectives, time horizon, liquidity needs, tax circumstances, and risk tolerance when recommending an appropriate asset allocation. Client portfolios are typically constructed using low-cost, broadly diversified exchange-traded funds ("ETFs") and, when appropriate, mutual funds. These investments provide exposure to multiple domestic and international asset classes, including: • • • • • • • • U.S. large-, mid-, and small-cap equities; Growth and value equity strategies; Real estate securities (REITs); Developed international equity markets; Emerging markets; U.S. fixed income securities; Government and mortgage-backed securities (including GNMA funds); and International and emerging market fixed income securities. The Adviser generally follows a long-term buy-and-hold investment philosophy. Portfolios are periodically monitored and rebalanced to maintain the client's target asset allocation. Because the Adviser does not generally employ frequent trading strategies, clients typically incur lower transaction costs than may be associated with more active investment strategies. However, periodic rebalancing and client-directed changes may result in transaction costs and, in taxable accounts, realization of capital gains or losses. Material Risks of the Adviser's Methods of Analysis and Investment Strategies Investing in securities involves risk of loss that clients should be prepared to bear. The Adviser's investment strategies and recommendations cannot eliminate the risk of investment losses, and there is no guarantee that any investment objective will be achieved. Material risks include, but are not limited to, the following: Market Risk. Securities markets may decline due to economic conditions, inflation, interest rate changes, geopolitical events, natural disasters, public health events, government actions, or changes in investor sentiment. Market declines may affect all asset classes simultaneously. Asset Allocation Risk. The Adviser's asset allocation decisions are based on long-term assumptions regarding expected returns and risk. There is no guarantee that a particular asset allocation or diversification strategy will outperform other investment strategies or prevent losses. Equity Market Risk. Investments in stocks and equity ETFs are subject to fluctuations in market value. Stock prices may decline because of company-specific events, industry developments, or overall market conditions.  Item 8 continued Small- and Mid-Capitalization Company Risk. Securities of smaller companies may be more volatile, less liquid, and subject to greater price fluctuations than securities of larger, more established companies. Value and Growth Investing Risk. Value-oriented investments may remain undervalued for extended periods or never realize their perceived value. Growth-oriented investments may be more sensitive to changes in investor expectations and may experience greater price volatility. International Investing Risk. Investments in foreign securities involve risks not typically associated with U.S. investments, including political and economic instability, differing accounting standards, changes in regulatory environments, reduced market liquidity, and currency exchange rate fluctuations. Emerging Markets Risk. Investments in emerging market countries generally involve greater risks than investments in developed markets, including greater political instability, less developed legal systems, lower liquidity, increased volatility, and greater currency risk. Fixed Income Risk. Bond investments are subject to interest rate risk, credit risk, prepayment risk, extension risk, and inflation risk. Bond prices generally decline when interest rates rise. Interest Rate Risk. Rising interest rates generally cause the value of existing fixed income securities to decline. Longer-duration bonds typically experience greater price volatility than shorter-duration bonds. Credit Risk. Issuers of bonds or other debt securities may fail to make timely interest or principal payments, which may reduce the value of fixed income investments. Real Estate Risk. Investments in real estate securities and REITs are subject to risks associated with the real estate industry, including changes in property values, rental income, interest rates, property taxes, environmental liabilities, and economic conditions. ETF and Mutual Fund Risk. ETFs and mutual funds are subject to the risks of their underlying investments. ETF shares may trade at prices above or below their net asset value and may be affected by market liquidity. Clients also indirectly bear the operating expenses of the funds in which they invest. Currency Risk. Foreign investments may be affected by changes in currency exchange rates, which may either increase or decrease investment returns. Inflation Risk. Inflation may reduce purchasing power and diminish the real value of investment returns over time. Liquidity Risk. Certain securities or market segments may become difficult to buy or sell at desirable prices during periods of market stress, potentially affecting portfolio performance. Tax Risk. Although the Adviser seeks to manage taxable accounts in a tax-efficient manner when appropriate, investment decisions may result in taxable gains or losses. Tax laws and regulations may change, and clients should consult their tax advisers regarding their individual circumstances. Risk of Loss All investments involve varying degrees of risk, and clients should be prepared to bear the risk of loss, including the possible loss of principal. Past performance is not indicative of future results. There is no assurance that any investment strategy, asset allocation, or diversification approach will achieve its ntended objectives or protect against losses during periods of declining markets. Robinswood does not guarantee the future performance of any investment, the success of any investment strategy, or that clients' financial goals or objectives will be achieved. The Adviser works with clients to develop investment strategies that are consistent with their financial circumstances, investment objectives, time horizon, and tolerance for risk; however, no investment strategy can eliminate market risk or guarantee positive returns. 11  Item 9 Diciplinary Information, Item 10 Other Financial Industry Activities and Affiliations 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 Robinswood or the integrity of Robinswood’ management. Robinswood has no information applicable to this Item. Other Financial Industry Activities and Affiliations Robinswood is not actively engaged in a business other than giving investment advice. However, when you hire Robinswood Financial, we: Become your personal money manager. Research investment ideas. Structure your portfolio. Actively monitor your investments. Update you about your portfolio performance. Adjust your portfolio on an as-needed basis. Develop your distribution plan so you can safely live off your assets.        In short, we handle the details of your investments so you can stay focused on your life’s long-term goals. We are prepared to give you input on issues regarding basic retirement, estate planning, and tax planning. In situations where additional technical (i.e.; legal or tax) help is necessary, we can recommend trusted advisors to assist you. We are not affiliated, through control or ownership, with any of the types of entities listed below. 1. Broker-dealer, municipal securities dealer, or government securities dealer or broker 2. Investment company or other pooled investment vehicle (including a mutual fund, closed-end investment company, unit investment trust, private investment company or “hedge fund,” and offshore fund) 3. Other investment adviser or financial planner 4. Futures commission merchant, commodity pool operator, or commodity trading advisor 5. Banking or thrift institution 6. Accountant or accounting firm 7. Lawyer or law firm 8. Insurance company or agency 9. Pension consultant 12  Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Item 12 Brokerage Practices Code of Ethics We have adopted a code of ethics designed to prevent and detect violations of securities rules by our employees and affiliated persons. Our controls in this area focus upon securities transactions made by our employees that have access to material information about the trading of Robinswood. The code of ethics is posted on our website (https://robinswoodfinancial.com/about/code-of-ethics/). Additionally we will provide a copy of our code of ethics to clients or prospective clients upon request. Brokerage Practices The Adviser requires that clients maintain brokerage accounts and execute transactions through Charles Schwab & Co., Inc. Not all investment advisers require or recommend that clients direct brokerage to a particular broker- dealer. By directing brokerage to Schwab, clients may be unable to achieve the most favorable execution of their transactions. In addition, directing brokerage may cost clients more money than if the Adviser were able to select broker-dealers based solely on obtaining the best execution for each transaction. The Adviser requires that clients maintain brokerage accounts and execute transactions through Charles Schwab & Co., Inc. Not all investment advisers require or recommend that clients direct brokerage to a particular broker- dealer. By directing brokerage to Schwab, clients may be unable to achieve the most favorable execution of their transactions. In addition, directing brokerage may cost clients more money than if the Adviser were able to select broker-dealers based solely on obtaining the best execution for each transaction. 13  Item 12 Brokerage Practices (continued) Brokerage Practices Robinswood Financial never takes title of your assets. Instead, your assets are held by an independent custodian to keep your assets safe. We use the services of Charles Schwab & Co. If you're investing cash, you'll write one or more checks to the custodians: Charles Schwab & Co. or the Schwab Trust Company. Through the custodian you will have access to your portfolio at all times. You will receive statements directly from your custodian, and you will receive performance reports from us. Limited Trading Authorization Robinswood Financial is not a broker/dealer and is not the custodian on your account. Robinswood does not hold any cash or securities for any of our clients. Instead, all assets and cash are held by Charles Schwab & Co., an outside broker/dealer, or at the affiliated trust company Schwab Trust Company with insurance coverage provided by them. The cash transactions are between you and the custodian. Regarding losses due to unauthorized activity, yes, your account is guaranteed. We want you to have the highest level of confidence, which is one reason we have chosen Charles Schwab as your custodian. Schwab covers 100 percent of any losses in any of your Schwab accounts due to unauthorized activity. Charles Schwab is insured by Securities Investor Protection Corporation (SIPC), which provides a safety net for investors in case a custodian goes out of business. To the extent that SIPC cannot recover securities owed to a client, funds from the SIPC reserve are available to satisfy the remaining claims up to a maximum of $500,000 per "client capacity" (for example, sole owner, custodian, or joint tenant). This figure includes a maximum of $100,000 on claims for cash. Additional recovered funds are used to pay investors whose claims exceed SIPC's protection limit of $500,000. Additional account protection is provided through underwriters at Lloyd’s of London. Under the policy secured with underwriters at Lloyd’s, the additional protection of securities and cash is provided up to an aggregate of $600 million, limited to a combined return to any customer from a trustee, SIPC, and Lloyd’s of $150 million, including cash of up to $900,000 by the Lloyd’s policy. Selection and Evaluation of Broker-Dealers and Custodians In recommending or selecting a broker-dealer or custodian for client accounts, the Firm considers a variety of qualitative and quantitative factors designed to serve clients' best interests. These factors may include, but are not limited to: • Financial stability, reputation, and regulatory history of the broker-dealer or custodian; • Quality, responsiveness, and availability of client service and operational support; • Execution capabilities, including the ability to obtain best execution for client transactions; • Breadth and quality of investment products and services available; • Technology, cybersecurity, trading platforms, and account reporting capabilities; • Accuracy and timeliness of trade execution, confirmations, and account statements; • Custody and safeguarding of client assets, including insurance protections such as SIPC coverage and any excess insurance maintained by the custodian; 14  As a general matter, we do not aggregate (or "block") client orders for the purchase or sale of securities. Orders are generally entered on an account-by-account basis. Under certain circumstances, however, we may determine that aggregating orders for multiple client accounts is appropriate. We may aggregate orders when we believe doing so is consistent with our fiduciary duty and may provide operational efficiencies, improve execution, or reduce transaction costs, provided that aggregation is consistent with applicable law and is in the best interests of participating clients. When orders are aggregated, participating accounts generally will receive the same average execution price (excluding any account-specific transaction costs or custodial charges). If an aggregated order is only partially filled, allocations will be made in a manner that we believe is fair and equitable over time and consistent with our allocation policies. We do not aggregate or allocate trades in a manner intended to favor one client account over another. We generally submit trades individually for each client account. From time to time, however, we may aggregate trades for accounts managed under the same investment strategy or model when we determine that doing so is in the best interests of participating clients. research, educational resources, and practice management support; Costs to clients, including commissions, transaction fees, custody fees, and other account expenses; Availability of and Overall value of the services provided relative to their costs.The Firm periodically reviews the broker- dealer/custodian relationship to determine whether the selected provider continues to meet the Firm's standards. This review may include consideration of service quality, operational performance, technology enhancements, regulatory developments, pricing, financial condition, and any material client complaints or service issues. The Firm may recommend a different broker-dealer or custodian if it determines doing so is in clients' best interests. Research and Other Soft Dollar Benefits Schwab Institutional also offers other services to help Robinswood and further develop its business enterprise. These services may include consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, and marketing. In addition, Schwab institutional may discount or waive fees it would otherwise charge for some of these services or pay all or part of the fees of a third‐party providing these services to Robinswood. While as a fiduciary Robinswood endeavors to act in its client’s best interests, Robinswood’ recommendation that clients maintain their assets in accounts at Schwab may be based in part on the benefit to Robinswood of the availability of some of the foregoing products and services and not solely on the nature, cost or quality of custody and brokerage services provided by Schwab, which may create a potential conflict of interest. Schwab institutional may also provide other benefits such as educational events or occasional business entertainment of Robinswood’s personnel. In some instances, some fund companies including, but not limited to, I-shares and Dimensional Fund Advisers make available to Robinswood products and services that may benefit Robinswood, but may not directly benefit each client account. These include software and other technology that provide research, pricing information and other market data, and assist with back‐office functions. Some fund companies may discount or waive fees they would otherwise charge for some of these services or pay all/or a part of the fees of a third party providing these services to the Robinswood. These products and services are not contingent upon Robinswood committing to fund companies any specific amount of business. As a fiduciary Robinswood endeavors to act in its client’s best interest. Schwab Institutional makes available to Robinswood other products and services that benefit Robinswood, but may not directly benefit its client’s accounts. Many of these products and services may be used to service all or some substantial number of Robinswood’ accounts, including accounts not maintained at Schwab. Schwab’s products and services that assist Robinswood in managing and administering clients’ accounts include software and other technology that (i) provide access to client data (such as trade confirmations and account statements); (ii) facilitate trade execution and allocate aggregate trade orders for multiple accounts; (iii) provide research, pricing and other market data; (iv) facilitate payment of Robinswood’ fees from client accounts; and (v) assist with back office functions, record keeping and client reporting. 15 Item 12 Brokerage Practices (continued) Item 13 Review of Accounts Review of Accounts Client accounts are reviewed at least quarterly on an internal basis and as special situations arise, such as, strategy changes by the Investment Committee, receipt of contributions, request for distributions, or client directed allocation changes. Account reviews may include, but are not limited to review of client cash needs, analysis of account allocation targets, review of tax goals and realized gain/loss for the year. All taxable accounts are reviewed for tax purposes. Formal quarterly portfolio review meetings are offered to all clients. Review meetings can take place in person or by phone, and may include the discussion of global events, the markets, portfolio performance, changes to a client’s financial situation and/or life that would affect their risk tolerance, goals, retirement projections, and distribution strategies. Reporting We will provide you with quarterly performance and billing reports. These reports include the quarterly and year to date performance (Time Weighted Rate of Return) of each account in relation to appropriate benchmarks, along with a description of the management fees for the quarter. Frequency and content of other reports will generally vary with the needs and requests of the client. Clients will receive trade confirmations, monthly or quarterly statements, and year-end tax statements directly from the custodian, Charles Schwab & Co. Clients may also view their accounts on-line at www.schwab.com. 16  Item 14 Client Referrals and Other Compensation Client Referrals and Other Compensation Robinswood asks its clients from time to time for referrals of potential new clients. No client receives any referral fee or other economic benefit in connection with any such referral. In January of 2022, Robinswood Financial LLC, updated it’s registration documents to account for adding a solicitors arrangement to its practice and to highlight that all solicitor fees would be paid from Robinswood Financial, LLC and would result in no increased fees for any clients for any services. It is understood that Robinswood Financial LLC, may pay referral fees (non-commission based) to independent solicitors for the referral of their clients to our firm in accordance with Rule 206 (4)-3 of the Investment Advisers Act of 1940. Such referral fee represents a share of our investment advisory fee charged to our clients. This arrangement will not result in higher costs to the client for any service and the advisory fee will be the same for clients regardless of whether they employ us through a solicitor or not through a solicitor. We will maintain solicitor agreements in compliance with state and federal laws and any solicitor arrangement will be disclosed to the client in advance. 17  Item 15 Custody Custody Robinswood Financial is not a broker/dealer and is not the custodian on your account. Robinswood does not hold any cash or securities for any of our clients. Instead, all assets and cash are held by Charles Schwab & Co., an outside broker/dealer, with insurance coverage provided by them. The cash transactions are between you and the custodian. Our clients authorize Charles Schwab & Co., to directly deduct our management fee from our clients’ accounts on a quarterly basis. At least quarterly, clients should receive statements from the qualified custodian that holds and maintains the client’s investment assets. Robinswood urges you to carefully review such statements and compare such official custodial records to the account statements that we may provide to you. Our statements may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. If you have a question regarding your account statement or if you did not receive a statement from your custodian, please contact us directly at the telephone number on the cover page of this document. 18  Item 16 Investment Discretion Investment Discretion Robinswood receives discretionary authority from the client at the outset of an advisory relationship to select the identity and amount of securities to be bought or sold for your account(s) without obtaining your prior consent for each transaction. 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, Robinswood observes the investment policies, limitations and restrictions of the clients for which it advises. You may request investment objectives, guidelines, and/or impose certain conditions, restrictions, or investment parameters for your account(s). For example, you may request that certain investments be incorporated when implementing your portfolio. Investment guidelines and restrictions must be provided to Robinswood in writing. 19  Item 17 Voting Client Securities Voting Client Securities As a matter of policy and practice, and as stated in it's Advisory Agreement, Robinswood will not vote proxies for securities held in the Investment Account. Robinswood will not recommend how clients should vote their proxies. Clients will receive their proxies or other solicitations directly from their custodian or a transfer agent. Clients are free to contact Robinswood Financial at 425-296-1611 to discuss whether (and, if so, how) clients can contact the adviser with questions about a particular solicitation. 20  Item 18 Financial Information Financial Information Registered investment advisers are required in this Item to provide you with certain financial information or disclosures about Robinswood’ financial condition. Robinswood 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. 21