CORDANT, INC.

CUSTOMER RELATIONSHIP SUMMARY (FORM CRS) INTRODUCTION Cordant Wealth Partners is registered with the Securities and Exchange Commission (SEC) as a Registered Investment Advisor. Brokerage and investment advisory services and fees differ, and it is important for you to understand the differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing. SUMMARY OF MATERIAL CHANGE As of September 1, 2025, the legal and mailing address for Cordant has been updated to 2175 NW Raleigh St., Suite 110 Portland, OR 97210 WHAT INVESTMENT SERVICES AND ADVICE CAN YOU PROVIDE ME? Cordant provides financial planning services to individuals and families as part of our comprehensive wealth management services which includes advice in the following areas: Financial Clarity; Income, Cash Flow, and Retirement Planning; Investment Management; Estate, Legacy, and Charitable Planning; Tax Planning and Risk Management. We monitor clients’ portfolios and manage them on a discretionary basis. We charge based on assets under management but in circumstances where a client’s investable balance is less than $500,000 or a minimum fee of $6,250 is charged. For additional information, please see our Firm Brochure. You may want to ask us: • Given my financial situation, should I choose an investment advisory service? Why or why not? • How will you choose investments to recommend to me? • What is your relevant experience, including your licenses, education, and other qualifications? What do these qualifications mean? WHAT FEES WILL I PAY? Investment Advisory Fees are paid quarterly in advance pursuant to the terms of the Investment Advisory Agreement and are based on the market value of assets under management at the end of each calendar quarter. Our tiered fee schedule ranges from .50% to 1.25% and is subject to a $500,000 minimum account size or $6,250 per year minimum account fee. Unless otherwise noted, with most client relationships, the financial planning fee is built into the investment advisory fee that is billed. You will also pay fees for custodial services, account maintenance fees, and other fees associated with maintaining your account. We do not share in any portion of these fees. Clients may incur certain fees or charges imposed by third parties, other than Cordant, in connection with investments made on behalf of the Client’s account[s]. Examples include the expense ratio of mutual funds and ETFs, subadvisory fees to third-party investment managers, and trading commissions to custodians. You are responsible for such charges, fees, and expenses which are exclusive of and in addition to our fee. You will pay fees and costs whether you make or lose money on your investments. Fees and costs always reduce the amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. For additional information, please see our Firm Brochure and your Investment Advisory Agreement. You may want to ask us: tel 503.621.9207 fax 888.839.8031 2175 NW Raleigh St, No. 110, Portland, OR 97210 cordantwealth.com  CUSTOMER RELATIONSHIP SUMMARY (FORM CRS) • Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me? WHAT ARE YOUR LEGAL OBLIBATIONS TO ME WHEN ACTING AS MY INVESTMENT ADVISER? HOW ELSE DOES YOUR FIRM MAKE MONEY AND WHAT CONFLICTS OF INTEREST DO YOU HAVE? When we act as your investment adviser, we must act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts of interest with your interests. You should understand and ask us about these conflicts because they affect the investment advice we provide you. Here are some examples to help you understand what this means: • We use Charles Schwab as custodian for our clients. Schwab’s services include research, brokerage, custody, and access to mutual funds and other investments that are otherwise available only to institutional investors. Some of these other products and services assist us in managing and administering clients’ accounts. To the extent that Charles Schwab provides us products and services that don’t directly benefit you, this creates an incentive to recommend them. To learn how we address this incentive, please refer to Item 12 of our Firm Brochure. You may want to ask us: • How might your conflicts of interest affect me, and how will you address them? HOW DO YOUR FINANCIAL PROFESSIONALS MAKE MONEY? Our financial professionals are compensated on a combination of salary and the potential for additional compensation based on firm profitability. They are not compensated based on product sales or commissions. DO YOUR FINANCIAL PROFESSIONALS HAVE LEGAL OR DISCIPLINARY HISTORY? No, neither our firm nor our financial professionals have any legal or disciplinary history. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisors, and, investing. You may want to ask us: • As a financial professional, do you have any disciplinary history? • For what type of conduct? ADDITIONAL INFORMATION You can find additional information about our firm’s investment advisory services on the SEC’s website at http://www.adviserinfo.sec.gov/ by clicking on the FIRM tab and then searching CRD#152395. You may also contact our firm at 503-621-9207 to request a copy of this relationship summary and other up-to-date information. You may want to ask us: • Who is my primary contact person? • Is he or she a representative of an investment adviser or a broker-dealer? • Who can I talk to if I have concerns about how this person is treating me? September 10, 2025 tel 503.621.9207 fax 888.839.8031 2175 NW Raleigh St, No. 110, Portland, OR 97210 cordantwealth.com  FORM ADV PART 2A BROCHURE This Brochure provides information about the qualifications and business practices of Cordant, Inc. If you have any questions about the contents of this Brochure, please contact us at (503) 621-9207 or by email at brenda@cordantwealth.com. The information in this Brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Additional information about Cordant and its advisory persons are available on the SEC’s website at www.adviserinfo.sec.gov. Cordant is a Registered Investment Advisor with the U.S. Securities and Exchange Commission. Registration of an investment advisor does not imply a certain 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. Cordant, Inc. 2175 NW Raleigh St, Suite #110 Portland, OR 97210 Phone: (503) 621-9207 * Fax: (888) 839-8031 www.cordantwealth.com Page 1 of 28 Date of Brochure: September 10, 2025  ITEM 2 – SUMMARY OF MATERIAL CHANGES In this Item, Cordant, Inc. is required to identify and discuss material changes since filing its last annual amendment on March 30, 2025. 1. Cordant’s legal and mailing address has been updated to: o 2175 NW Raleigh St., Ste# 110 Portland, OR 97210 2. Cordant has entered into a Custodial Agreement with Fidelity Brokerage Services, LLC. Pursuant to SEC Rules, we will ensure that you receive a summary of any material changes to this and subsequent brochures within 120 days of the close of our business’ fiscal year in addition to other ongoing disclosure information about material changes as necessary. We will further provide you with a new brochure as necessary, based on changes or new information, at any time, without charge. A copy of our updated Brochure may be requested by contacting us at 503-621- 9207 and/or brenda@cordantwealth.com. Page 2 of 28 Date of Brochure: September 10, 2025  ITEM 3 – TABLE OF CONTENTS Form ADV Part 2A Brochure ................................................................................................ 1 Item 2 – Summary of Material Changes .......................................................................................... 2 Item 3 – Table of Contents ............................................................................................................. 3 Item 4 – Advisory Services .............................................................................................................. 4 Item 5 – Fees and Compensation ................................................................................................... 8 Item 6 – Performance-Based Fees ................................................................................................ 10 Item 7 – Types of Clients .............................................................................................................. 11 Item 8 – Methods of Analysis, Investment Strategies, and Risk of Loss ....................................... 12 Item 9 – Disciplinary Information .................................................................................................. 15 Item 10 – Other Financial Industry Activities and Affiliations ....................................................... 16 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading . 17 Item 12 – Brokerage Practices ...................................................................................................... 18 Item 13 – Review of Accounts ....................................................................................................... 21 Item 14 – Client Referrals and Other Compensation .................................................................... 22 Item 15 – Custody ......................................................................................................................... 23 Item 16 – Investment Discretion ................................................................................................... 24 Item 17 – Voting Client Securities ................................................................................................. 25 Item 18 – Financial Information .................................................................................................... 26 Form ADV Part 2B Brochure .............................................................................................. 27 Isaac E. Presley, CFA® ........................................................................................................................ 28 Scott E. Gerlach, CFP® ....................................................................................................................... 29 Garrick Rozairo, CFP® ......................................................................................................................... 30 Ryan Patterson ..................................................................................................................................... 31 Brenda K. McCombs, IACCP® ............................................................................................................ 32 Page 3 of 28 Date of Brochure: September 10, 2025  ITEM 4 – ADVISORY SERVICES Cordant, Inc. (conducting business as Cordant Wealth Partners and herein “Cordant” or the “Advisor”) is a fee-only adviser that provides asset management and financial planning services. Firm Information Cordant is a Registered Investment Advisor with the SEC, which is organized as a Corporation under the laws of the State of Oregon. William Anfuso founded Cordant in November 2009. Cordant is owned by William P. Anfuso, Isaac E. Presley, and Brenda McCombs. This Brochure provides information regarding the qualifications, business practices, and advisory services provided by Cordant. Advisory Services Offered Cordant offers financial planning and portfolio management services to individuals, high net worth individuals, trusts, estates, and corporations or other businesses (each referred to as a “Client”). FINANCIAL PLANNING Cordant provides financial planning services to individuals and families as part of our comprehensive wealth management services, or, on occasion, as part of a separate advisory agreement. All financial planning work covers several areas of a Client’s financial life, depending on their goals, objectives, and financial situation. This financial planning may encompass one or more areas of need, including, but not limited to investment planning, retirement planning, personal savings, education savings, and other areas of a Client’s financial situation. As part of the Cordant Clarity Experience process, we address the following areas of wealth: ● Financial Clarity ● Income, Cash Flow, and Retirement Planning ● Investment Management ● Estate and Legacy Planning ● Tax Planning ● And, Risk Management A financial plan developed for financial consultation rendered to the Client usually includes general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Cordant may also refer Clients to an accountant, attorney or other specialist, as appropriate for their unique situation. For certain financial planning engagements, the Advisor provides a written summary of Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Prior to engaging Cordant to provide investment advisory services, each Client is required to enter into an Investment Advisory Agreement with the Advisor that defines the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: ● Creating a Financial Blueprint – Cordant, in connection with the Client, may develop a Financial Page 4 of 28 Date of Brochure: September 10, 2025  Blueprint that summarizes the Client’s investment goals and objectives along with the broad strategy[ies] to be employed to meet the objectives. The Financial Blueprint generally includes specific information on the Client’s stated goals, the time horizon for achieving the goals, investment strategies, Client risk tolerance, and any restrictions imposed by the Client. ● Asset Allocation – Cordant develops a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client. ● Portfolio Construction – Cordant develops a portfolio for the Client that is intended to meet the stated ● goals and objectives of the Client. Investment Management and Supervision – Cordant provides investment management and ongoing oversight of the Client’s portfolio and overall account. PORTFOLIO MANAGEMENT Cordant provides customized investment advisory solutions for its Clients. Cordant works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio. Cordant will then build a portfolio, primarily consisting of mutual funds and exchange- traded funds (“ETFs”) to achieve the Client’s investment goals. The Advisor may also utilize private investments, individual stocks, bonds, options, alternative investments, and other assets to meet the needs of its Clients. At a high level, our investment approach focuses on three areas: 1. Managing Risk – We do this by aligning a client’s portfolio to their financial plan; building globally diversified portfolios; and setting up systems to monitor portfolios daily. 2. Minimizing “Frictions” — Here we focus on minimizing unnecessary expenses that are in our control. These include fund expense ratios, taxes, and trading costs. 3. Enhancing Returns — By helping clients build diversified portfolios that are tilted towards areas of the market which have historically led to higher returns (i.e., “factors”), and stick to their strategy, we seek to maximize the returns for a given level of risk that a client can achieve. Cordant’s investment strategy is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one (1) year to meet the objectives of the Client or due to market conditions. Cordant will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client has the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to the acceptance by the Advisor. For example, Cordant manages ESG (Environmental, Social, Governmental) portfolios for clients. Cordant evaluates and selects ETFs and mutual funds for inclusion in Client portfolios only after applying their internal due diligence process. Cordant may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Cordant may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as liquidity or as a possible hedge against market movement, which may adversely affect the portfolio. Cordant may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, changes in risk tolerance of Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Page 5 of 28 Date of Brochure: September 10, 2025  Cordant also offers discretionary asset allocation services and investment recommendations to clients regarding variable annuity products, 529 college savings plans, and/or individual employer-sponsored retirement and deferred compensation plans. We either direct or recommend the allocation of assets among the various mutual and investment choices offered by the variable annuity, 529 plan or retirement/deferred compensation plan. Your assets are maintained at either the specific fund company or insurance company that issued the variable annuity or 529 plan or at the custodian designated by the sponsor of your retirement/deferred compensation plan. RETIREMENT PLAN RECOMMENDATIONS As part of our investment advisory services provided to you, we may recommend that you roll assets from your employer’s retirement plan, such as a 401 (k), 457, or ERISA 403(b) account (collectively, a “Plan Account”), to an individual retirement account such as a SIMPLE IRA, SEP IRA, Traditional IRA or Roth IRA (collectively, an “IRA Account”) that we will manage on your behalf. We may also recommend rollovers from IRA Accounts to Plan Accounts, from Plan Accounts to Plan Accounts, and from IRA Accounts to IRA Accounts. When we provide any of the foregoing rollover recommendations, we are acting as fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. Cordant will generally charge an advisory fee on all retirement assets of a client, regardless of whether they are in an employer plan or in an IRA account. In some cases, Cordant may recommend that a client roll over retirement plan assets into an Individual Retirement Account (IRA). If Cordant recommends a rollover and Cordant is not earning an advisory fee on the employer plan assets prior to the rollover, such a recommendation creates a conflict of interest as Cordant will earn new compensation as a result of the rollover. In these cases, depending on the options available to the individual, rolling over assets to a Cordant managed account could incur higher fees than leaving it in a current plan or moving it to another employer-sponsored plan. In contrast, a recommendation that a client or prospective client leave their plan assets with their old employer or roll the assets to a plan sponsored by a new employer could result in no compensation to Cordant if Cordant has not been charging an advisory fee on those assets. In certain cases, therefore, Cordant may have an economic incentive to encourage an investor to roll plan assets into an IRA that we will manage. Due to the foregoing conflict of interest, when we make rollover recommendations, we operate under a special rule that requires us to act in your best interests and not put our interests ahead of yours. Under this special rule’s provisions, we must: 1. Meet a professional standard of care when making investment recommendations (give prudent advice). 2. Never put our financial interests ahead of yours when making recommendations (give loyal advice). 3. Avoid misleading statements about conflicts of interest, fees, and investments. 4. Follow policies and procedures designed to ensure that we give advice that is in your best interests. 5. Charge no more than a reasonable fee for our services: and 6. Give you basic information about conflicts of interest. Many employers permit former employees to keep their retirement assets in their company plan. Also, current employees can sometimes move assets out of their company plan before they retire or change jobs. In determining whether to complete the rollover to an IRA, and to the extent the following options Page 6 of 28 Date of Brochure: September 10, 2025  are available, you should consider the costs and benefits of a rollover. A client leaving an employer typically has four options (and may engage in a combination of these options): 1. Leave the money in their former employer’s plan, if permitted, 2. Roll over the assets to their new employer’s plan, if one is available and rollovers are permitted, 3. Rollover to an IRA, or 4. Cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). There are various factors that Cordant may consider before recommending a rollover, including but not limited to: 1. The investment options available in the plan versus the investment options available in an IRA, 2. Fees and expenses in the plan versus the fees and expenses in an IRA, 3. The services and responsiveness of the plan’s investment professionals versus those of the firm 4. Protection of assets from creditors and legal judgments, 5. Required minimum distributions and age considerations, 6. Employer stock tax consequences, if any, 7. Plan’s withdrawal options or limitations, before and/or after retirement No client is under any obligation to roll over retirement plan assets into an IRA account. Wrap Fee Programs Cordant does not manage or place Client assets into a wrap fee program. Assets Under Management Adviser manages the following amount of discretionary and non-discretionary client assets calculated as of August 31st, 2025: Discretionary: $ 329,642,583 Non-Discretionary: $ 8,051,439 Total: $ 337,694,022 Page 7 of 28 Date of Brochure: September 10, 2025  ITEM 5 – FEES AND COMPENSATION The following paragraphs detail the fee structure and compensation methodology for investment management. Each Client shall sign an Investment Advisory Agreement that details the responsibilities of Cordant and the Client. Fees for Advisory Services INVESTMENT ADVISORY FEES Investment Advisory Fees are paid quarterly in advance pursuant to the terms of the Investment Advisory Agreement and are based on the market value of assets under management at the end of each calendar quarter. Investment Advisory Fees range from 0.50% to 1.25% based on the following schedule: The Investment Advisory Fee is subject to a $500,000 minimum account size or $6,250 per year minimum account fee. Investment Advisory Fees in the first quarter of service are prorated from the inception date of the account to the end of the first quarter. Fees may be negotiable under special circumstances at the discretion of the Advisor. The Client’s fees may take into consideration the aggregate assets under management with Cordant. Securities held in accounts managed by Cordant may be independently valued by the designated Custodian. FINANCIAL PLANNING AND CONSULTING SERVICES Unless otherwise noted, with most client relationships the financial planning fee is built into the advisory fee that is billed. However, on a stand-alone basis absent a traditional investment advisory relationship, Cordant offers financial planning or consulting services on a retainer or an hourly basis at $250 per hour. This fee may be negotiable depending on the nature and complexity of each Client’s circumstances. An estimate for total hours may be determined prior to establishing the advisory relationship. Fee Billing Fees are typically automatically deducted from the Client Account by the Custodian pursuant to the Client’s authorization. Cordant shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client Account at the respective quarter end date. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with Cordant at the end of each quarter. Clients should be provided with a statement, at least quarterly, from the Custodian reflecting the deduction of the Investment Advisory Fee. Clients provide written authorization permitting Cordant to be paid directly from their accounts held by the Custodian as part of Page 8 of 28 Date of Brochure: September 10, 2025  the Investment Advisory Agreement and separate account forms provided by the Custodian. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than Cordant, in connection with investments made on behalf of the Client’s account(s). The Client is responsible for all custodial and securities execution fees charged by the custodian and executing broker-dealer. The Investment Advisory Fee charged by Cordant is separate and distinct from these custodian and execution fees. In addition, all fees paid to Cordant for investment advisory services are separate and distinct from the expenses charged by mutual funds and exchange-traded funds to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses are generally used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a possible distribution fee. Clients may incur certain charges imposed by custodians, brokers, third party investment, and other third parties such as fees charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer, and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. With respect to separately managed accounts (SMAs) with a third-party manager as well as investments in mutual funds, ETFs, and other pooled investment vehicles, it is important for clients to understand that they are directly and indirectly paying two levels of advisory fees: one layer of fees and expenses at the fund or independent manager level and one layer of advisory fees to Cordant. It may be possible to purchase such investments directly, without using the services of Cordant and without incurring our advisory fees. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Cordant to fully understand the total fees to be paid. Advance Payment of Fees and Termination ACCOUNT PORTFOLIO MANAGEMENT Cordant is compensated for its services in advance of the quarter in which investment advisory services are rendered. Clients may request to terminate their Investment Advisory Agreement with Cordant, in whole or in part, by providing advance written notice. The Client shall be responsible for Investment Advisory Fees up to and including the effective date of termination. Upon termination, the Advisor will refund any unearned, prepaid Investment Advisory Fees from the effective date of termination to the end of the quarter. Clients may contact Cordant to request the refund of any unearned fees. FINANCIAL PLANNING AND CONSULTING SERVICES In the event that a Client should wish to 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 Advisor's possession as the result of collecting a deposit at the time of signing the financial planning agreement will be returned to the Client within 5 business days of cancellation. Either party may terminate a planning or consulting agreement at any time by providing written notice to the other party. In addition, the Client may terminate the agreement within five (5) days of signing the Advisor’s financial planning or consulting agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Advisor does not generally collect a deposit; however, refunds Page 9 of 28 Date of Brochure: September 10, 2025  will be given on a pro-rata basis. ITEM 6 – PERFORMANCE-BASED FEES Cordant does not charge performance-based fees ITEM 7 – TYPES OF CLIENTS Cordant provides investment advisory services to the following type of Clients: Individuals (other than high-net-worth individuals) ● ● High Net Worth Individuals ● Personal Trusts and Estates ● Corporations and Businesses Cordant generally requires a minimum account size of $500,000 to effectively implement its investment process. ITEM 8 – METHODS OF ANALYSIS, INVESTMENT STRATEGIES, AND RISK OF LOSS Methods of Analysis Before building a portfolio for clients, our process ensures a review of the Client's investment goals, financial situation, time horizon, tolerance for risk, and other factors to develop an appropriate strategy for managing a Client's account(s). Our goal when building portfolios is to maximize the probability that clients achieve their goals—not to beat the market. When building portfolios, the biggest driver of risk and return, and our starting point is to establish a high- level asset allocation (the mix between stocks, bonds, cash, real estate, etc.). Academic studies, like Roger Ibbotson’s 2010 paper “The Importance of Asset Allocation” show that this decision explains a majority of a portfolio’s risk and return. From there, using the global market portfolio as a starting point, we determine which assets to use to build out the portfolio. We primarily use US stocks, international stocks, emerging market stocks, REITs (Real Estate Investment Trusts), government bonds, corporate bonds, municipal bonds, cash, and alternative strategies to build out the allocation. From there, we conduct individual fund analysis to implement the allocation. Key factors in our fund selection process include, but are not limited, to performance; expenses; liquidity; tracking error; turnover; concentration, and holdings; product structure; and the fund provider. Our process with each client has four steps: 1. Determine Risk Tolerance: We work with you to determine how much risk to take to achieve your Page 10 of 28 Date of Brochure: September 10, 2025  2. goals, make sure it’s in line with your risk tolerance and it matches your financial plan. Identify the Strategy: Different strategies are right for different people. We’ve built three strategies (Strategic, Factor, and SRI), all in line with our philosophy, and we’ll help determine which on is right for you. 3. Review Existing Holdings: Before implementation, we review which of your current investments to 4. hold for taxes, gifting, or legacy reasons. Implement, Review, Revise and Improve: Once we implement your investment strategy, we review daily, rebalance when necessary, make changes when prudent, and always look to iterate and improve our approach. Cordant generally employs a long-term investment strategy for its Clients consistent with their financial goals. Cordant will typically hold all or a portion of a security for more than a year but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Cordant may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector, or asset class. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account. Cordant shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Cordant of any changes in financial condition, goals, or other factors that may affect this analysis. Cordant will work with each Client to determine their tolerance for risk as part of the portfolio construction process. ENVIRONMENTAL, SOCIALLY RESPONSIBILITY AND CORPORATE GOVERNANCE (“ESG”) INVESTMENTS At your specific request, we will make recommendations for ESG strategies that align with your request. Generally, you will provide us with your particular ESG parameters. ESG investments can exclude sectors or industries, which could have a negative impact on your accounts and result in underperformance as compared to other strategies recommended by us. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Cordant may assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. All investment programs have certain risks that are borne by the investor. Our investment approach constantly keeps the risk of loss in mind. Investors face the following investment risks: ● Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. ● Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a Page 11 of 28 Date of Brochure: September 10, 2025  ● security’s particular underlying circumstances. For example, economic, political, and social conditions may trigger market events. Inflation Risk: When any type of inflation is present, a dollar will be worth more today than a dollar next year, because purchasing power is eroding at the rate of inflation. ● 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. ● Business Risk: These risks are associated with an industry or a company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company, which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. ● Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. ● Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. ● Exchange-Traded Funds (ETFs) Risk: ETFs are subject to the funds managements’ abilities to manage the underlying portfolios to meet the funds stated investment objectives. ETFs also may trade at a discount to their net asset value in the secondary market. The structure of an ETF is such that most ETF’s market prices tend to track the funds’ respective net asset value closely, but this may not always be the case, particularly during periods of extreme market volatility. Most ETFs are designed to track a specified market index, however, in some cases, an ETFs returns may deviate from the specified index. Certain ETFs are actively managed ETFs and are subject to management risk. ● Options Risk: Options allow investors to buy and sell a security at a contracted “strike” price (not necessarily the current market price) at or within a specified period. Clients may pay or collect a premium for buying or selling an option. Investors transact in options to either hedge or limit losses in an attempt to reduce risk or speculate on the performance of the underlying securities or collect premiums for selling options. Options transactions contain a number of inherent risks, including the partial or total loss of principle in the event that the value of the underlying security or index does not increase/decrease to the level of the respective strike price. Holders of options contracts are also subject to default by the issuer which may be unwilling or unable to perform its contractual obligations. These options are subject to pricing components— including duration, strike price, and premiums— to which the underlying stocks are not. We may trade in put and call options, which involve qualitatively different risks than owning or selling short the underlying common stock. Because option premiums paid or received by an investor are small in relation to the market value of the investments underlying the options, trading put and call options is highly leveraged. ● Alternative Investments (Limited Partnerships) Risk: The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. These investments are only available to investors that meet certain requirements. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry Page 12 of 28 Date of Brochure: September 10, 2025  higher risks. The risks of these investments are found in the offering documents and other related documents that the investor should carefully review. ● Factor Investing Risk: There can be no assurance that performance will be enhanced, or risk will be reduced for funds that seek to provide exposure to certain quantitative investment characteristics (“factors”). Exposure to such investment strategies may detract from performance in some market environments, perhaps for extended periods, and could result in losses. ● Concentrated Portfolios: Concentrated portfolios can be highly volatile and should be viewed as a complementary component of a well-diversified overall portfolio. Concentrated portfolios hold fewer different stocks than a diversified portfolio and are much more likely to experience sudden dramatic price swings. In addition, the rise or drop in price of any given holding in the portfolio is likely to have a larger impact on portfolio performance, than a more broadly diversified portfolio. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. ITEM 9 – DISCIPLINARY INFORMATION There are no legal, regulatory, or disciplinary events involving Cordant or any of its employees to disclose under Item 9. ITEM 10 – OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS Cordant does not have any other financial industry activities or affiliations applicable to this Item. ITEM 11 – CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING Code of Ethics Cordant has implemented a Code of Ethics that defines our fiduciary commitment to each Client. This Code of Ethics applies to all persons associated with Cordant. The Code of Ethics was developed to provide general ethical guidelines and specific instructions regarding our duties to you, our Client. Cordant and its personnel owe a duty of loyalty, fairness, and good faith towards each Client. It is the obligation of Cordant associates to adhere not only to the specific provisions of the Code but also to the general principles that guide the Code. The Code of Ethics covers a range of topics that may include general ethical principles, reporting personal securities trading, reportable securities, initial public offerings, and private placements, reporting ethical violations, distribution of the Code of Ethics, review and enforcement processes, amendments to Form ADV and supervisory procedures. In addition, the Code of Ethics governs gifts and entertainment given by and provided to the Advisor, outside employment activities of employees, employee reporting, sanctions for violations of the Code of Ethics, and records retention Page 13 of 28 Date of Brochure: September 10, 2025  requirements for various aspects of the Code of Ethics. To request a copy of our Code of Ethics clients and prospective clients may contact us at (503) 621-9207 or via email at brenda@cordantwealth.com. Personal Trading in Same Securities as Clients Cordant allows our employees to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities, we recommend (purchase or sell) to you presents a potential conflict of interest that, as fiduciaries, we must disclose to you and mitigate through policies and procedures. As noted above, consistent with Section 204A of the Investment Advisers Act of 1940, we have adopted a Code of Ethics that addresses insider trading (material non-public information controls) and personal securities reporting procedures. We may have an interest or position in certain securities, which may also be recommended to you. Personal Trading at Same Time as Client It is the primary intent of Cordant’s procedures to ensure that the best interests of all Clients are always served over our interests. While Cordant allows our employees to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, we seek to put the clients’ interests first. Cordant trades may be aggregated with Client trades and receive the same price. ITEM 12 – BROKERAGE PRACTICES Cordant does not maintain custody of your assets; although we may be deemed to have custody of your assets if you give us authority to withdraw advisory fees from your account (see Item 15-Custody, below). Your assets must be maintained in an account at a “qualified custodian”, generally a broker-dealer or other financial institution. We primarily recommend that our clients use Charles Schwab & Co., Inc. (“Schwab”) or Fidelity Brokerage Services LLC (“Fidelity), both are registered broker-dealers, members SIPC, and are qualified custodians. At times, we may utilize other qualified custodians to hold your assets, i.e. 529 plans, etc. We are independently owned and operated and are not affiliated with Schwab, Fidelity, or any other qualified custodian. While Cordant may recommend that Clients use Schwab or Fidelity for execution and/or custodial, Clients will decide whether to do so and will open the account(s) directly at the qualified custodian with our assistance. How We Select Custodians We seek to use a custodian who will hold your 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: ● Execution capabilities and efficiency ● Breadth of available investment products ● Reasonableness of fees charged to the Client ● Range and quality of services made available to the Client ● Competitiveness of the price of those services ● Reputation, financial strength, and stability Page 14 of 28 Date of Brochure: September 10, 2025  Client Custody Costs For Client accounts that Schwab and Fidelity maintain, the Custodians are compensated, in part, through commissions and other transaction-related fees on trades that are executed or settled in your accounts. In order to minimize your trading costs, we have Schwab and Fidelity execute most trades for your account(s). We have determined that having the Custodians execute most trades is consistent with our duty to seek “best execution” of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above. Products and Services Available to Us from Schwab and Fidelity Schwab and Fidelity provide us and our clients with access to its institutional brokerage-trading, custody, and related services – many of which are not typically available to retail customers. In addition, they also make available various support services. Some of those services help us manage or administer our clients’ accounts, while others help us manage and grow our business. The custodian’s support services generally are available on an unsolicited basis and at no additional charge to clients. Schwab requires that we maintain a minimum of $10 million of client assets in order to maintain the institutional services at no cost to our firm. Cordant pays Fidelity a quarterly fee in order to maintain the institutional services. Following is a more detailed description of Schwab and Fidelity’s support services: SERVICES THAT BENEFIT CLIENTS 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 and Fidelity include some of which we might not otherwise have access to or that would require a significantly higher minimum initial investment by our clients. Schwab and Fidelity’s services described in this paragraph generally benefit each Client. SERVICES THAT MAY NOT DIRECTLY BENEFIT YOU Schwab and Fidelity also make available to us other products and services that benefit us but may not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts. They make available software and technology that: ● Provide access to client account data (such as duplicate trade confirmations and account statements) ● Facilitate trade execution and allocate aggregated trade orders for multiple client accounts ● Provide pricing and other market data ● Facilitate payment of our fees from clients’ accounts ● Assist with back-office functions, recordkeeping, and client reporting SERVICES THAT GENERALLY BENEFIT ONLY US Schwab and Fidelity also offer other services intended to help us manage and further develop our business enterprise. These services include: ● Educational conferences and events ● Consulting on technology, compliance, legal, and business needs ● Publications and conferences on practice management Schwab and Fidelity may provide some of these services themselves. In other cases, they will arrange for third-party vendors to provide the services to us. They may also discount or waive their fees for some of Page 15 of 28 Date of Brochure: September 10, 2025  these services or pay all or a part of a third party’s fees. They may also provide us with other benefits, such as occasional business entertainment for our personnel. Cordant employees may attend meetings sponsored by Schwab and Fidelity, and by other industry professionals that help us stay current with regulations, market trends, economic data, and other areas that can benefit us and our services to you. OUR INTEREST IN SERVICES OFFERED BY SCHWAB AND FIDELITY The availability of these services benefits us because we do not have to produce or purchase them. The receipt of these products and services creates a conflict of interest to the extent it causes us to recommend Schwab or Fidelity as opposed to a comparable custodian. We address this conflict of interest by fully disclosing it in this brochure. We believe, however, that our recommendation of Schwab or Fidelity as custodians is in the best interest of our clients. Our recommendation is primarily supported by the scope, quality, and price of services (see “How We Select Custodians”) and not services that benefit only us. Directed Brokerage Clients may request that Cordant effect securities transaction for that client’s account through a particular broker-dealer. A client’s direction of brokerage can limit or eliminate Cordant’s ability to obtain the most favorable execution of client transactions. In addition, Cordant may be unable to aggregate orders to reduce transaction costs. If the client directs brokerage, the client will negotiate terms and arrangements for the account with that broker-dealer, and Cordant will not seek better execution services or prices from other broker-dealers. As a result, the client may pay higher commissions or other transaction costs or incur greater spreads, or receive less favorable net prices, on transactions for the account than would otherwise be the case. In other words, directing brokerage may cost a client more money. Aggregation Where Cordant is able, Cordant may purchase or sell the same securities for several clients at approximately the same time. Cordant may do this in an effort to obtain “best execution”, to reduce commission rates, or to allocate equitably among Cordant’s client’s differences in prices and commissions or other transaction costs that might have been obtained had such orders been placed independently. Under this procedure, transactions may be averaged as to price and may be allocated among Cordant’s clients in proportion to the purchase and sale orders placed for each client account on any given day. To the extent that Cordant determines to aggregate client orders for the purchase or sale of securities, including securities in which Cordant’s principals and/or associated persons may invest, Cordant shall generally do so in accordance with the parameters set forth in SEC No-Action Letter, SMC Capital, Incorporated. Cordant shall not receive any additional compensation or remuneration as a result of the aggregation. Page 16 of 28 Date of Brochure: September 10, 2025  ITEM 13 – REVIEW OF ACCOUNTS Frequency of Reviews Accounts are monitored on a regular and continuous basis by advisory persons of Cordant for appropriate settlement of transactions and continued adherence to Clients’ investment profile and intended portfolio allocation. Accounts are also reviewed based on additional factors at least annually. Such annual account reviews may or may not be accompanied by a client meeting, depending on the needs and preferences of the Client. Formal reviews are generally conducted annually; however, the frequency may depend on the needs of the Client. Causes for Reviews Reviews may be conducted more or less frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account. The Client is encouraged to notify Cordant if changes occur in his/her personal financial situation that might adversely affect his/her investment plan. Additional reviews may be triggered by material market, economic or political events. Review Reports The Client should receive brokerage statements no less than quarterly from the custodian. These brokerage statements are sent directly from the custodian to the Client. The Client may also establish electronic access to the custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements include positions, transactions and fees relating to the Client’s account[s]. Supplemental electronic reports are generally made available to Clients on an as-requested basis, and typically include a summary of their holdings, allocation, and performance. Each Client should compare the reports with statements they receive from the qualified custodian, and to rely solely on the account statement received from the qualified custodian. ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION Client Referrals Cordant may compensate individuals or entities (“promoters”) for referrals in compliance with Rule 206(4)-1. In particular, Cordant may pay cash compensation to promoters in the form of a percentage of asset-based advisory fees received from a referred client. The details of the arrangement and compensation paid to the promoter will be disclosed to each referred client. The advisory fees paid by any referred client are neither increased nor reduced as a result of the compensation paid to a promoter by Cordant. Prospective clients should be aware that such an arrangement creates a conflict of interest because the promoter is being paid to recommend Cordant, as an investment advisor, to a client, and the promoter will only receive a payment if the client ultimately decides to become Cordant’s advisory client. Cordant addresses this conflict of interest by taking steps to ensure that the terms of the referral relationship and related compensation are disclosed to the referred client in accordance with Rule 206(4)-1. Page 17 of 28 Date of Brochure: September 10, 2025  Other Compensation We receive an economic benefit from Schwab and Fidelity in the form of support, products and services they make available to us and other independent investment advisors whose clients maintain their accounts with them. These products and services, how they benefit us, and the related conflicts of interest are described above (see Item 12- Brokerage Practices). The availability to us of Schwab and Fidelity’s products and services are not based on us giving particular investment advice, such as buying particular securities for our clients. Product vendors recommended by Cordant may provide monetary and non-monetary assistance with client events and provide educational tools and resources. We do not select products as a result of any monetary or non-monetary assistance. Cordant’s due diligence of a product does not take into consideration any assistance it may receive. While the receipt of products or services is a benefit for you and us, it also presents a conflict of interest. Cordant attempts to mitigate any conflicts of interest by notifying you of the conflict. We inform you that you are free to consult with other financial professionals. We are bound by our Code of Ethics to act in an ethical manner. ITEM 15 – CUSTODY Cordant is deemed to have limited custody of client assets and funds when it deducts its advisory fees directly from client accounts. In all cases, client assets are held with a qualified custodian. You will receive account statements directly from the qualified custodian on at least a quarterly basis. Each client should carefully review these statements and compare them with those received from Cordant. Additionally, certain clients have signed, and may sign in the future, a Standing Letter of Authorization (SLOA) that gives Cordant the authority to transfer funds to a third-party as directed by the client in the SLOA. As a result, Cordant will also be deemed to have custody in these cases. Normally, Cordant would be required to engage an independent accountant to conduct a surprise audit of the client accounts for which we are deemed to have custody. However, the rules governing SLOAs exempt us from the surprise audit requirement if certain conditions are met by Cordant and the respective custodian, which is currently the case. Cordant is also deemed to have custody of client assets and securities for certain accounts due to the firm's possession of client account usernames and passwords, which it uses to help service those accounts. As such, Cordant is deemed to have custody of the cash and securities of these clients. In compliance with SEC Rule 206(4)-2, Cordant has engaged an independent accountant in this case to conduct an annual examination of those funds and securities on a surprise basis. Page 18 of 28 Date of Brochure: September 10, 2025  ITEM 16 – INVESTMENT DISCRETION Cordant’s investment management services may be provided on either a discretionary or non-discretionary basis. Where Cordant has discretionary management authority, Cordant will be authorized to determine the securities to be bought or sold for the client’s account(s), the amount of securities to be bought or sold, and the timing of securities transactions. Each client may request reasonable limitations be placed on Cordant’s discretionary authority, such as securities or market-sector based limitations. Any such limitations shall be presented to Cordant in writing, and Cordant will review any such requests on a case-by-case basis. Cordant’s Investment Advisory Agreement, and the agreement between the client and the custodian/broker-dealer for the account, may grant discretionary authority to Cordant. The client’s written agreement with the custodian also grants a limited power of attorney to Cordant to effect transactions in the client’s custodial account. ITEM 17 – VOTING CLIENT SECURITIES Cordant does not accept proxy-voting responsibility for any Client. The Client shall be responsible for all decisions concerning the voting of proxies for securities held in Client accounts. ITEM 18 – FINANCIAL INFORMATION Cordant is not aware of any condition that is reasonably likely to impair the ability of Cordant to meet contractual obligations to its Clients. Page 19 of 28 Date of Brochure: September 10, 2025  FORM ADV PART 2B BROCHURE Isaac E. Presley, CFA® Scott Gerlach, CFP® Garrick Rozairo, CFP® Ryan Patterson Brenda K. McCombs, IACCP® Cordant, Inc. 2175 NW Raleigh St, Suite #110 Portland, OR 97210 Phone: (503) 621-9207 * Fax: (888) 839-8031 www.cordantwealth.com This Brochure Supplement provides information about the background and qualifications of Cordant’s investment advisory staff that supplements Cordant’s Brochure. If you have not received a copy of the Brochure or if you have any questions about the contents, please contact us. Additional information is available on the SEC’s website at www.adviserinfo.sec.gov Page 20 of 28 Date of Brochure: September 10, 2025  ® Isaac E. Presley, CFA CEO and Director of Investments Educational Background and Business Experience Isaac E. Presley is the CEO and Director of Investments for Cordant. Isaac, born in 1979, is a shareholder, dedicated executive, and advisory representative of Cordant. (Individual CRD #4520604) Isaac earned his MBA with a concentration in Finance from Portland State University in 2009 and earned his CFA designation in 2011. In addition, Isaac earned a B.S. in Finance from Oregon State University in 2002. Additional information regarding Isaac’s employment history is included below: 04/2011 to Present CEO, President and Director of Investments: Cordant, Inc. – 07/2013 to Present (Formerly Private Wealth Northwest, Inc. – 01/2013 to 06/2013) (Formerly Private Wealth Northwest, LLC – 2011 to 2012) Financial Analyst: Sallie Mae 03/2006 to 04/2011 Mortgage Consultant: Wells Fargo 03/2003 to 03/2006 Page 21 of 28 Date of Brochure: September 10, 2025  ® Scott E. Gerlach, CFP Advisor Educational Background and Business Experience Scott E. Gerlach, born in 1984, is a client service and advisory representative of Cordant. (Individual CRD #5824156) Scott earned a Bachelor of Science in Economics from University of Oregon in 2006 and earned a Certificate in Financial Planning in 2014 from Boston University Program for Financial Planners. Additional information regarding Scott’s employment history is included below: Investment Advisor Representative: Cordant, Inc. 03/2015 to Present Wealth Advisor Associate: Confluence Wealth Management 10/2012-03/2015 Portfolio Administrator: Bingham, Osborn & Scarborough LLC 05/2008-10/2012 Portfolio Administrator: Account Temps 03/2008-05/2008 Credit Manager: Wells Fargo Financial 03/2007-01/2008 Page 22 of 28 Date of Brochure: September 10, 2025  Garrick Rozairo, CFP® Advisor Educational Background and Business Experience Shannon “Garrick” Rozairo, born in 1989, is a client service and advisory representative of Cordant. (Individual CRD #7049927) Garrick earned a Bachelor of Science in Economics and Finance from Linfield in 2012 and earned a Certificate in Financial Planning in 2018 from Bryant University. Additional information regarding Garrick’s employment history is included below: Investment Advisor Representative: Cordant, Inc. 09/2015 to Present Pre-Sales Team Lead: CAMMS, Sri Lanka 08/2013-12/2014 Analyst: Human Investing 07/2012-06/2013 Analyst Intern: Headwater Investment Consulting 12/2011-03/2012 Page 23 of 28 Date of Brochure: September 10, 2025  Ryan Patterson Associate Advisor Educational Background and Business Experience Ryan Patterson, born in 1982, is a client service and advisory representative of Cordant. (Individual CRD #7806462) Ryan earned a Bachelor of Science in Business Administration with a Concentration in Sports Marketing in 2004 from the University of Oregon. Additional information regarding Ryan’s employment history is included below: Investment Advisor Representative: Cordant, Inc. 09/2021 to Present Global Product Line Manager - Nike Headwear: Nike, Inc. 02/2005-01/2021 Page 24 of 28 Date of Brochure: September 10, 2025  ® Brenda K. McCombs, IACCP Chief Compliance Officer Educational Background and Business Experience Brenda K. McCombs is the Chief Compliance Officer of Cordant. Brenda, born in 1965, is a shareholder, dedicated executive, and advisory representative of Cordant. (Individual CRD #2951985) Brenda earned the IACCP Designation in 2018 from National Regulatory Services. Additional information regarding Brenda’s employment history is included below: 2010 to Present Chief Compliance Officer: Cordant, Inc. – 07/2013 to Present (Formerly Private Wealth Northwest, Inc. – 01/2013 to 06/2013) (Formerly Private Wealth Northwest, LLC – 2010 to 2012) Sr. Complex Risk Officer: Morgan Stanley 1999 to 2010 Page 25 of 28 Date of Brochure: September 10, 2025  DISCIPLINARY INFORMATION: Registered investment advisors are required to disclose any material facts regarding any legal or disciplinary actions that would be material to your evaluation of each investment advisor representative providing investment advice to you. Cordant has no information that is applicable to this item for any member of the Advisory Team or Client Services personnel. OTHER BUSINESS: Isaac Presley periodically contributes blogs and other forms of writing to various publications. Cordant’s advisory team members and client service personnel do not engage in other business activities. ADDITIONAL COMPENSATION: Cordant’s advisory team members and client service personnel receive no additional compensation outside of their compensation form Cordant. SUPERVISION: Cordant, Inc. has adopted, and periodically updates, a compliance manual that outlines for each employee the various rules and regulations they are required to adhere to. Cordant has appointed a Chief Compliance Officer who reviews and monitors employee activity with respect to the rules and regulations. The advisory activities conducted by Brenda McCombs are reviewed and monitored by Isaac Presley. In addition, Cordant has adopted a Code of Ethics that requires each employee to act in the client’s best interest at all times. Should you have any questions related to these activities, please contact Brenda McCombs, CCO or Isaac Presley, CEO, at 503-621-9207. PROFESSIONAL DESIGNATION DEFINITIONS: The Chartered Financial Analyst (CFA) The CFA charter is a globally respected, graduate-level investment credential established in 1962 and awarded by the CFA Institute – the largest global association of investment professionals. There are currently more than 90,000 CFA charter holders working in 134 countries. To earn the CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charter holders to: ● Place their clients’ interests ahead of their own.
 ● Maintain independence and objectivity.
 ● Act with integrity.
 ● Maintain and improve their professional competence. ● Disclose conflicts of interest and legal matters. Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today’s quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charter holders— often making the charter a prerequisite for employment. Additionally, regulatory bodies in 22 countries Page 26 of 28 Date of Brochure: September 10, 2025  and territories recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses. The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning. The CFA Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession. To learn more about the CFA charter, visit http://www.cfainstitute.org/. The Certified Financial Planner, (CFP®) The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. 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 requirements through other qualifying credentials. ● 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. ● 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 Page 27 of 28 Date of Brochure: September 10, 2025  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. The NRS Investment Adviser Certified Compliance Professional (IACCP®) The first industry designation of its kind, the Investment Adviser Certified Compliance Professional (IACCP®), was developed by the Center for Compliance Professionals, the education and professional development division of National Regulatory Services (NRS), a resource closely in tune with the changing complexity of the financial securities compliance profession and provider of compliance education for over 20 years. The IACCP® is awarded to knowledgeable, experienced individuals who complete an instructor-led program of face-to-face and online study, pass a certifying examination, and meet work experience, ethics and continuing education requirements. The designation signifies knowledge of investment adviser regulation and compliance best practice, and adherence to national recognized professional standards and ethical leadership. Exhaustive certification and course development, together with expert instructors and facilitators from the compliance, legal, regulatory, industry, and academic sectors, help ensure that individuals earning the IACCP® designation have been trained, tested and certified to meet high industry professional standards. IACCP® is a certification owned by the Investment Adviser Compliance Certificate Program®. This certification is awarded to individuals who successfully complete the program's initial and ongoing certification requirements. Page 28 of 28 Date of Brochure: September 10, 2025