FORVIS MAZARS WEALTH ADVISORS, LLC

Forvis Mazars Wealth Advisors, LLC Part 2A of Form ADV: Firm Brochure and Privacy Policy 910 E. St. Louis Street Springfield, MO 65806 417.831.7283 www.forvismazars.us Forvis Mazars Wealth Advisors, LLC is registered with the U.S. Securities and Exchange Commission (“SEC”) as an investment advisor. We have provided this brochure to you to give you more information about us. The information in this brochure has not been approved or verified by the SEC or by any state securities authority. If you have any questions about the contents of this brochure or would like to request a copy, please contact Nicole Conklin, Chief Compliance Officer, at 417.831.7283. Additional information about us is available on the SEC’s website at www.advisorinfo.sec.gov. Please note: Registration with the SEC or references to Forvis Mazars Wealth Advisors as a registered investment adviser or any reference to being registered does not imply a certain level of skill or training. August 20, 2025 ADV Part 2A | 2025 Forvis Mazars Private Client Services may include investment advisory services provided by Forvis Mazars Wealth Advisors, LLC, an SEC-registered investment adviser, and/or accounting, tax, and related solutions provided by Forvis Mazars, LLP.  Item 2: Material Changes The following is a summary of material changes that have been made to this Firm Brochure (“Brochure”) since our last amendment dated January 2025. • Changes made at Item 4 to remove Strategic Clients section. • Changes made at Item 5 to reflect new AUM fee minimum. • Changes made at Item 5 to reflect new start up fees for Retirement Plan Consulting (RPC). ADV Part 2A | 2025 Forvis Mazars Private Client 2  Item 3: Table of Contents Cover Page ................................................................................................................................................................... 1 Item 2: Material Changes .............................................................................................................................................. 2 Item 3: Table of Contents .............................................................................................................................................. 3 Item 4: Advisory Business ............................................................................................................................................. 4 Item 5: Fees and Compensation ................................................................................................................................... 8 Item 6: Performance-Based Fees and Side-By-Side Management............................................................................ 11 Item 7: Types of Clients .............................................................................................................................................. 11 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ....................................................................... 11 Item 9: Disciplinary Information................................................................................................................................... 14 Item 10: Other Financial Industry Activities and Affiliations ........................................................................................ 15 Item 11: Code of Ethics ............................................................................................................................................... 16 Item 12: Brokerage Practices...................................................................................................................................... 16 Item 13: Review of Accounts ...................................................................................................................................... 18 Item 14: Client Referrals and Other Compensation .................................................................................................... 19 Item 15: Custody ......................................................................................................................................................... 19 Item 16: Investment Discretion ................................................................................................................................... 20 Item 17: Voting Client Securities ................................................................................................................................. 20 Item 18: Financial Information..................................................................................................................................... 20 Privacy Policy .............................................................................................................................................................. 20 ADV Part 2A | 2025 Forvis Mazars Private Client 3  Item 4: Advisory Business Forvis Mazars Wealth Advisors, LLC (“Forvis Mazars Wealth Advisors”) is an SEC-registered investment advisory firm and a wholly owned subsidiary of Forvis Mazars, LLP (“Forvis Mazars”), an accounting and professional services provider. We offer financial planning, investment management, investment consulting, and retirement plan consulting and provide services to individuals, families, retirement plans, institutions, and nonprofits. As of May 31, 2025, Forvis Mazars Wealth Advisors had total assets under management (“AUM”) as follows: $9,582,216,965 Discretionary $169,769,694 Non-Discretionary $9,751,986,659 Total As of May 31, 2025, we had $1,145,766,057 in assets under advisement (“AUA”). These assets, such as retirement plan assets, are not directly managed by us but we provide advisory and consulting services to such clients. We also consider assets as AUA that are included in clients’ financial plans, and we have the direct ability to execute trades at the custodian at client’s instruction. Forvis Mazars Private Client Our affiliation with Forvis Mazars allows our clients to receive financial planning, investment management, and tax/accounting services as part of an integrated service offering known as Forvis Mazars Private Client. This Brochure describes the wealth management services provided by Forvis Mazars Wealth Advisors and the related compensation. Tax and accounting services are provided by Forvis Mazars pursuant to a separate agreement and for which separate and additional fees may be incurred. Wealth management services of Forvis Mazars Wealth Advisors are offered under the brand Forvis Mazars Private Client. Fees for wealth management services will be invoiced separately from tax and accounting services provided by Forvis Mazars unless other arrangements have been made. Forvis Mazars Private Client integrated services may include: Wealth Management. These services are provided by Forvis Mazars Wealth Advisors for individuals and family clients and are described more fully below. Consultative Tax. The accountants of Forvis Mazars offer customized analysis, individual and entity-specific tax compliance services, tax planning strategies, and tax projections. Services offered are pursuant to a separate agreement and separate and additional fees may be incurred. Family Office. Services offered include a customized suite of services and tailored solutions designed to help ultra- high net worth clients—from tax and estate planning, investment management, and philanthropic strategy—to recommending and coordinating family counselors and risk management consultants. Recommendations we make to engage Forvis Mazars for services present a conflict of interest. Please refer to Other Financial Industry Activities and Affiliations for more information. Financial Planning Forvis Mazars Wealth Advisors offers customized financial planning services designed to meet the unique needs of each client. This process begins with a comprehensive understanding of the client’s financial circumstances and priorities. The financial plan is informed by conversations and the data provided. Our objective is to help clients meet both short-term and long-term goals through strategic planning. Our services may include, but are not limited to estate planning collaboration, retirement planning, education planning, insurance planning and risk management, ADV Part 2A | 2025 Forvis Mazars Private Client 4  as well as investment management. We develop an asset allocation strategy that reflects specific objectives, risk tolerance, return expectations, tax considerations, liquidity requirements, and time horizons. Financial plans can be provided on a comprehensive or limited focus, depending on need. Clients retain the option to decline planning services. Planning is generally included in the Wealth Management Agreement for clients who meet fee minimums. If the client has special circumstances, or does not meet minimums, planning may be provided under a Financial Planning Agreement for a separate fee. See the Financial Planning Fees section below for more details. Implementing your Financial Plan. Clients are under no obligation to act on any recommendation provided. Referral Compensation. We may suggest engaging another service provider, such as an attorney or CPA. We do not receive compensation for external referrals. Referrals to our parent accounting firm or affiliates may generate additional revenue for Forvis Mazars, which could benefit us indirectly. As appropriate, we may also refer clients without compensation to Forvis Mazars Capital Advisors, LLC (“Forvis Mazars Capital Advisors” or “Capital Advisors”), a limited purpose broker-dealer. Investment Management Our typical investment management services are done on a discretionary basis. This means we will select securities without needing prior approval. We manage client portfolios using an asset allocation model designed to assist in meeting goals, considering risk preferences and tax situations. We also manage non-discretionary accounts, meaning we must get client approval before any transaction. This may lead to delays, especially in urgent situations. Our Investment Committee determines which investments are used in client portfolios. Portfolio managers choose from approved mutual funds, exchange-traded funds (“ETFs”), bonds, stocks, and alternative investments. Most client portfolios consist of ETFs and no-load or load-waived mutual funds. We will consider other investments, if requested, if we believe they align with client’s risk tolerance and our investment philosophy. Risk Assessment. We work with client to develop an Investment Policy Statement (“IPS”) based on risk profile, time horizon, comfort with market volatility, and target rate of return. Investment of Assets. Assets will be managed per the IPS. Reasonable restrictions (e.g., excluding tobacco stocks) will be documented on IPS. We may decline to open accounts if restrictions hinder effective and prudent management. Restrictions can impact portfolio performance. Assets inconsistent with the IPS may be sold if it's in client’s best interest, considering taxes and costs. Portfolio Monitoring. We monitor the portfolio’s asset allocation and rebalance as needed to stay aligned with the IPS. Clients are requested to promptly notify us of any changes to their financial situation or objectives. Third Party Money Managers. When appropriate, we may recommend third-party money managers. Depending on the arrangement, client may engage directly with the manager or have Forvis Mazars Wealth Advisors allocate assets pursuant to a sub-advisory agreement. These services provide specialized portfolio management that typically require higher minimum account sizes. The managers have discretion over investment decisions within client’s stated objectives subject to reasonable restrictions imposed. Client should review each manager's disclosure documents for detailed program information and pricing. Third party money managers charge fees separate and apart from fees charged by Forvis Mazars Wealth Advisors. Disclosure document(s) for engaged money managers are available upon request. ADV Part 2A | 2025 Forvis Mazars Private Client 5  Institutional Investment Consulting Forvis Mazars Wealth Advisors provides investment consulting services to institutional clients including foundations, endowments, nonprofit organizations, for-profit entities, governmental agencies, and ERISA plans (including defined-benefit, 401(k), 403(b), and 457(b)), profit-sharing plans, colleges, and universities. Services may be on a one-time or ongoing basis and are limited to those assets specifically identified in an Investment Consulting Agreement. Services may include but are not limited to: IPS development; asset modeling; manager searches, selection, and monitoring; investment management; portfolio and manager performance analysis and reporting; trustee meetings and fiduciary education; cash management; fee benchmarking; and request for proposal management. Retirement Plan Consulting Retirement Plan Consulting (“RPC”), a division of Forvis Mazars Wealth Advisors, delivers both discretionary investment management and non-discretionary investment consulting services to qualified and nonqualified retirement plans. Our services assist organizations in the establishment and ongoing administration of their retirement plans. Typically, we are retained by plan sponsors to serve as advisors, supporting their selection and monitoring of the investment options offered within the plan, as well as providing enrollment support and investment education for plan participants. Depending on the specific services, RPC may serve as an ERISA fiduciary. Recordkeepers. Retirement plan recordkeepers are responsible for administering the plan and maintaining records related to participants. The services offered by recordkeepers can differ in type and quality. Forvis Mazars Wealth Advisors does not work with all recordkeepers and may suggest certain recordkeepers to retirement plans. CEFEX Certification. Since 2023, RPC has been certified by the Center for Fiduciary Excellence (“CEFEX”), an independent certification organization that conducts assessments of the fiduciary practices of investment advisors and other professionals. CEFEX evaluates whether a candidate is in conformity with the provisions of the CEFEX Prudent Practices Handbook and charges a fee for its assessment. CEFEX certification does not imply a level of investment performance or specific expertise. 3(21) Services. After establishing the plan’s objectives, we provide recommendations for an appropriate investment strategy to the plan’s trustees and/or fiduciary committee. Our investment committee determines suitable investment vehicles in each appropriate asset class. As part of our 3(21) services, we can assist in developing and drafting an IPS and recommend investment options that align with the IPS. We recommend plan investment options that: • Show competitive performance against relevant benchmarks • Maintain risk and risk-adjusted returns within reasonable ranges compared to benchmarks and peers • Consistently follow their stated objectives • Offer fees that are competitive with similar investments We provide regular performance reporting to the plan sponsor or investment committee. On an ongoing basis we review investment options and recommend changes as needed. While the plan sponsor or committee monitors plan costs, we help by assessing fund expense ratios, administrative fees, and identifying parties receiving soft dollars or Rule 12b-1 fees. We also support the evaluation of recordkeepers, custodians, and third-party vendors. We ADV Part 2A | 2025 Forvis Mazars Private Client 6  periodically meet with plan participants for limited education and enrollment support. Individualized advice is not provided except by a separate agreement. 3(38) Retirement Plan Investment Management. In addition to the 3(21) services described above, we offer 3(38) services which grants us discretion to determine which fund options to offer. Portfolios are designed and managed using a mix of securities that typically include low cost, no load mutual funds or ETFs. We will follow the investment parameters set forth in the IPS. TPA Services. Forvis Mazars offers non-investment related third-party administrator (“TPA”) services. These services may include retirement plan design, regulatory filings, and other compliance related services. Services could include operating as a 3(16) fiduciary. TPA services are provided pursuant to a separate agreement for a separate fee. Miscellaneous Disclosures Retirement Rollovers – Potential Conflict of Interest. Retirement investors typically have options regarding existing retirement plans and can engage in a combination of these options. (i) keep funds in former employer’s plan, if permitted (ii) move them to a new employer’s plan, if available and permitted (iii) roll assets into an IRA, or (iv) cash out (which may have tax consequences). It is a conflict of interest for us to recommend clients roll retirement plan account to be managed by us as we will earn an advisory fee on the assets. Clients are under no obligation to roll over retirement plan assets to an account managed by us. ERISA Fiduciary. When investment advice is provided to a client regarding a retirement plan or IRA, the firm acts as a fiduciary under Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, which are laws governing retirement accounts. The firm’s compensation structure may create conflicts of interest. As a result, the firm operates under a special rule requiring it to act in the client’s best interest and not place its own interests ahead of the client’s. Portfolio Activity. We have a fiduciary obligation to provide services aligned with client’s best interests. Portfolio reviews are conducted periodically to assess whether adjustments are appropriate, considering factors such as investment performance, economic conditions, mutual fund manager tenure, style drift, and/or changes to a client’s investment objectives. There may be periods when no portfolio changes are considered necessary or prudent. There is no guarantee that investment decisions will be profitable or equal any specific performance targets. Client Obligations. We depend on clients, or designated professionals, to provide complete and accurate information, as we do not independently verify details. Incomplete or incorrect information may lead to unsuitable recommendations. It is the client’s responsibility to promptly notify us of any changes to financial circumstances or investment objectives. Investment Risk. Investments carry different levels of risk, and future results for any particular investment or strategy cannot be guaranteed to be profitable or meet specific performance levels. Communications via Text, Email and LinkedIn Messages. All written and electronic communications are subject to compliance review and may be provided to the SEC as required. Withdrawal or trading requests should not be submitted through electronic media. Custodial statements and confirmations are the official record of transactions. Identity Verification. It may be necessary to verify information provided by client or designated professionals. For security purposes, we orally confirm withdrawal instructions received via electronic communication. If we cannot ADV Part 2A | 2025 Forvis Mazars Private Client 7  reach the client at the number on record, the request may be delayed, and we cannot be responsible for claims arising from such delays. Accounting and Legal Services. Forvis Mazars Wealth Advisors does not provide legal or accounting services. However, our parent company, Forvis Mazars, is an accounting and professional services firm. See Other Financial Industry Activities and Affiliations for details. If requested, we can recommend other professionals for non- investment tasks, but the client retains full decision-making authority and responsibility for resolving any disputes with those professionals. Portal Storage. Clients are provided access to an online portal via our vendors, offering a secure platform for document exchange. By uploading documents to this portal, clients authorize the advisor to view them without additional consent. Use of the portal is voluntary, and it should not serve as a primary repository of records. We have conducted due diligence and believe our vendors have adequate security to safeguard these records. Forvis Mazars Wealth Advisors will not be responsible for any losses resulting from any security breach. We recommend creating a complex password, that is updated frequently and not shared with others. Due to independence requirements, certain clients of Forvis Mazars may not be eligible for portal access. Outside Assets. As part of the comprehensive wealth management and financial planning services outlined in the Wealth Management Agreement, we can offer general advice on a range of assets that we do not collect fees on or directly manage. • 529 Plans – We assist clients with establishing 529 college savings plans, which generally offer a selection of mutual fund investments chosen by the plan administrator. Plan features vary by jurisdiction. We provide general guidance on whether a 529 plan aligns with client’s financial goals and include these assets in the financial plan. We can advise on allocation options based on the investment menu offered by the plan. Direct management of these assets is not provided. • Annuities – We advise on a range of annuity options and work with select providers to create and implement investment strategies, including fund selection and rebalancing. Investments in these annuities are monitored, traded, and rebalanced as needed, and are counted as AUM for billing purposes and are under compliance and operational supervision. Certain annuity providers grant us less ability to participate in the management of those assets. In these circumstances, we can provide, without charge, general guidance on fund allocation options in the annuity and evaluate how the annuity fits into client’s overall financial plan. • 401(k) plans – Many clients participate in employer-sponsored retirement plans in which the client has the ability to choose from pre-selected mutual funds. If we are not able to manage client’s 401(k) plan, we can provide complimentary guidance on overall allocation of funds in your 401(k) plan and how the plan fits into the overall financial plan. Clients who can utilize the self-directed brokerage option in their 401(k) plan may choose to engage us for the management of those assets. Forvis Mazars Wealth Advisors can provide tailored advice to clients with large or complex retirement assets under a consulting agreement. Disclosure Statement. The ADV Part 2 and Form CRS are given before or at the time an advisory agreement is executed with Forvis Mazars Wealth Advisors. An updated ADV Part 2 is offered annually. Item 5: Fees and Compensation Assets Under Management Fees are billed quarterly in advance for services and prorated for clients who begin or terminate service during the quarter. Annual fees are based on a percentage of AUM, not exceeding two percent. We impose a minimum annual ADV Part 2A | 2025 Forvis Mazars Private Client 8  fee of $7,500, though fees can be negotiated, and minimums may be waived or reduced. We consider several factors when determining fee arrangement, including AUM, anticipated additional assets, related accounts, client needs, complexity, portfolio style, and other relevant factors. Employees and partners of Forvis Mazars receive discounted or waived fees. At its discretion, Forvis Mazars may aggregate assets from a client's family members, such as grandparents, parents, siblings, and children, regardless of residence. Client fees may differ from other clients receiving similar services, and comparable services may be available from other advisors at lower costs. Cash management is an important part of financial planning and portfolio management. Typically, a flat advisory fee is charged on all supervised assets, including cash and money market funds, and this fee may exceed the money market yield. Fees are based on AUM as indicated below. Specific fee terms are outlined in the Wealth Management Agreement. Assets Under Management Fee At or below 2,000,000 1.00% 2,000,001 - 5,000,000 0.85% 5,000,001 - 10,000,000 0.75% 10,000,001 - 15,000,000 0.60% 15,000,001 - 20,000,000 0.50% 20,000,001 - 25,000,000 0.45% 25,000,001 and above Negotiable As set forth on the fee schedule above, your fee rate decreases as your assets exceed each threshold. Similarly, if your assets under our management decrease, your fee rate could increase as your assets move under each threshold. We will reset your advisory fee based on the AUM determined as of October 31 of the previous year. Any fee rate changes will be reflected as of January 1 in your next quarterly billing. Quarterly fees are prorated and directly debited from your accounts unless otherwise agreed. Non-taxable accounts may not pay for more than their pro-rata share. Custodial statements indicate the total fees deducted each quarter; however, these fees are not independently verified by the custodian. Fees for Forvis Mazars partners are determined each quarter but collected annually. Billing for Accounts with Margin Balances A margin balance does not lower the total market value of managed accounts. While we typically do not recommend using margin as an investment strategy, we will implement it upon request following our internal review. Using margin to cover cash needs may increase advisory fees compared to selling assets. Recommendations to borrow on margin create a conflict of interest. Valuation of Securities/Accounts The custodian provides security prices, and our internal system reconciles with them daily. Fees are calculated based on portfolio value at the previous quarter’s end, which may differ from the custodian statement due to timing of dividends, trade settlements, and accrued interest. ADV Part 2A | 2025 Forvis Mazars Private Client 9  Termination Our agreement shall remain in effect until terminated by either party in accordance with its terms. Termination does not affect the validity of services rendered prior to the date of termination. Upon termination of the relationship, the client will be issued a prorated refund for any prepaid advisory fees that have not been earned. Any outstanding amounts for services rendered but not yet paid will be invoiced accordingly. Additional Costs Mutual fund expenses are detailed in each fund’s prospectus and are separate from fees paid to Forvis Mazars Wealth Advisors. Custodian fees and transaction costs are not included above. Clients are solely responsible for all fees and expenses. Financial Planning Fees Planning services are generally included in the investment management fee described above. If we do not manage client’s assets, standalone financial planning is available under a separate agreement for a minimum fee of $5,000. Total fees depend on client’s financial situation's complexity and are set before engagement based on estimated hours to prepare the plan. Services are customized to each client’s needs and costs will vary. The Financial Planning Agreement will specify planning fees, which may be hourly or fixed, payment schedule, and any additional expenses. Fees can be negotiated. Additional work beyond the original scope will be billed as described in Agreement. If terminated prior to the services being delivered, we will bill for work performed and refund any prepaid fees on a prorated basis. Investment Consulting Fees Fees for investment consulting services and special projects are charged on an hourly basis, fixed, or percentage- of-assets basis (.015 to 1.5 percent based on needs and complexity). The agreed-upon fee could be more or less than other fee payment options. Fees, payment schedule, and any additional expenses will be outlined in agreement. RPC Fees for Investment Consulting/Management Fees are calculated based on the fair market value of the account provided by the plan custodian and/or recordkeeper. Fees may be billed in advance or arrears, depending on recordkeepers, and we may impose a start- up fee of $7,500 in addition to a percentage-of-assets, as set forth below. A minimum fee of $10,000 will be charged, not to exceed two percent. Minimum account values and fees are negotiable and are based on the asset value of the qualified plan on which we consult, complexity and frequency of meetings, depth of security analysis and reporting, among other factors. If terminated prior to the services being delivered, we will bill for work performed and refund any prepaid fees on a prorated basis. Platform, TPA/recordkeeping, and/or investment related expenses are not included. As the assets increase due to additional contributions or market action, the fee rate decreases as the assets exceed each threshold in the fee schedule. Similarly, if the assets decrease, the fee rate could increase as the assets move under each threshold in the fee schedule. On an annual basis, we will review the advisory fee based on the assets determined as of October 31 of the previous year. Any fee rate changes will be reflected as of January 1 in your next quarterly billing. ADV Part 2A | 2025 Forvis Mazars Private Client 10  Assets 3(21) Fee 3(38) Fee At or below 1,000,000 0.70% 0.75% 1,000,001 – 3,000,000 0.60% 0.65% 3,000,001 – 5,000,000 0.50% 0.55% 5,000,001 – 10,000,000 0.40% 0.45% 10,000,001 – 15,000,000 0.35% 0.40% 15,000,001 – 20,000,000 0.30% 0.35% 20,000,001 – 25,000,000 0.25% 0.30% 25,000,001 and above Negotiable Negotiable Item 6: Performance-Based Fees and Side-By-Side Management Forvis Mazars Wealth Advisors does not charge any performance-based fees. Item 7: Types of Clients Wealth management and financial planning services are offered to individuals, ultra- and high-net worth individuals, businesses, pension and profit-sharing plans, charitable institutions, foundations, and endowments. We provide retirement plan consulting and investment advice to institutional clients, including 401(k) plans, ESOPs, defined benefit plans, 403(b) plans, and corporate clients. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Analysis Forvis Mazars Wealth Advisors employs a variety of methods to evaluate investment options. These include, but are not limited to, fundamental analysis, technical analysis, and cyclical information and analysis. Information is obtained from financial publications, research materials, corporate rating services, company annual reports and press releases, prospectuses, and SEC filings. Investment Strategies Investment strategies are based on six fundamental investment beliefs: 1. Smart global diversification reduces risk and increases return potential 2. Both active and passive management have a place in portfolio design 3. Markets are efficient and can’t be outguessed; avoid market timing 4. Focus on what you can control; manage expenses, taxes, and turnover 5. Avoiding emotional decision making improves investment results 6. Capital markets reward disciplined, long-term investors Portfolios are designed to suit each client’s specific risk profile, and our investment approach is long-term in focus. As appropriate, our core long-term strategy may be complemented with short-term investments including the use of margin and certain options strategies. We offer advice on a broad spectrum of investments and investment programs, including short-term money market securities, corporate, municipal, and U.S. government fixed-income securities, exchange-listed, over the counter ADV Part 2A | 2025 Forvis Mazars Private Client 11  and foreign equities, investment company securities such as mutual funds and ETFs, separately managed accounts, and annuities. Risks Investment Risks. All investments entail risk that investors should be prepared to bear. Individual stocks or bonds, which signify ownership in or debt obligations of specific companies, are subject to unique risks associated with company-specific or industry/sector developments. Such risks can be mitigated through diversification. Broader market risk stems from macroeconomic factors affecting all companies in the stock or bond markets and cannot be fully eliminated through diversification. We attempt to manage general market risk by constructing portfolios that limit exposure to similar risks and incorporate low-correlation asset classes. For clients seeking reduced market risk, we may recommend lowering stock allocations. Bonds present interest rate and credit risk, among other things. This can be mitigated using shorter-term and higher-quality bonds. In addition to the risks noted above, sequence of returns risk may apply in some situations. This type of risk involves the interplay between decreased asset values due to negative investment returns, and an investor’s immediate need for liquidity. This combination of events could result in higher-than-normal required external funding during difficult economic periods. This type of risk can be particularly acute for certain types of defined benefit plans, such as cash balance pension plans. Mutual funds and ETFs that invest in domestic equities seek long-term capital growth and serve as a long-term inflation hedge. Equity investments carry risks, such as: • Market Risk – Investment values will fluctuate due to economic, political, industry-specific or issuer- specific events. • Investment Risk – Certain stocks may perform differently from the market as a whole. • Small Company Risk – Small companies often exhibit lower liquidity, may encounter greater challenges during economic downturns, may fluctuate more in value, and typically offer less publicly available information. • Real Estate Risk – Real estate securities may be affected by real estate values, property taxes, rental income, and interest rates. Mutual funds and ETFs that invest in international equities provide long-term capital growth, serve as a long-term inflation hedge, diversify currency exposure, and are intended to reduce the volatility by increasing overall portfolio diversification. Non-US investments have the following additional risks: • Foreign Securities Risk – Value of securities may be impacted by the actions of foreign governments and securities markets may be less liquid and less regulated. • Currency Risk – Fluctuations in foreign currency values relative to the US dollar may diminish total return from foreign securities. • Emerging Markets Risk – Emerging markets may face economic and political instability, with smaller stock markets that can make investing and withdrawing funds more challenging. Mutual funds and ETFs that invest in fixed income instruments can contribute to portfolio stability and may offer some protection in certain economic conditions. However, they generally do not provide significant protection during periods of high inflation. Fixed income investments are subject to the following risks: ADV Part 2A | 2025 Forvis Mazars Private Client 12  • Interest Rate Risk – Prices of fixed income securities fluctuate in the opposite direction of interest rates. If interest rates rise, the securities held will decline in value. • Maturity Risk – Fixed income investments with longer maturities tend to be more sensitive to interest rate fluctuations. • Credit Risk – Bond issuers who experience economic difficulties could delay or miss payments. Issuers could have their issuer ratings downgraded or experience a default. Annuities chosen for client portfolios may have variable returns linked to the performance of stock or fixed income markets, or market indices. In these situations, clients are exposed to stock and fixed income risks to some extent. Annuities depend on the ability of the insurance company to pay the distributions according to the terms of the annuity contract. While insurer solvency is a potential risk in all annuities, we take care to select insurance companies that have high solvency ratings. Margin Account Risk. When purchasing securities, investors may opt to pay in full or borrow part of the purchase price from their account custodian, or alternatively, borrow against eligible securities held within their custodial accounts. Engaging in margin borrowing—whether for purchasing additional securities or leveraging assets— requires pledging account securities as collateral. Prospective borrowers must execute a margin account agreement directly with the custodian. We may give advice regarding the use of margin facilities for short-term funding needs; however, choosing to utilize margin rather than liquidating portfolio holdings increases the overall risk profile of the account. If the value of the margin account decreases (for example, due to declining security prices), the custodian may request that the client deposit additional funds to increase the account value, or may liquidate securities from the client’s account or, in certain instances, from other accounts as necessary to reduce outstanding margin balances. This action, known as a margin call, is taken in order to maintain the necessary level of equity in the account. Should the client fail to meet the margin call, the custodian reserves the right to select and sell securities from any of the client’s accounts, without prior notification. Trading on margin or other margin borrowing can magnify losses. It is essential to fully understand the risks associated with margin trading and maintaining a margin account. Key risks include, but are not limited to: • Margin loans increase both potential returns and potential losses, magnifying portfolio volatility. • Margin borrowing exposes your investment equity to greater risk, potentially resulting in losses exceeding the initial investment. • The custodian may liquidate securities or other assets in client accounts, frequently during volatile markets, without prior notice. • The custodian may move securities held in other accounts to the margin account and pledge these securities. • Custodians may adjust "house" maintenance margin requirements at any time, without advance written notice. Thoroughly review your margin agreement with the custodian to understand costs, obligations, and requirements— including margin requirements and a detailed description of associated risks. Private Investments. Privately offered funds may be suitable depending on eligibility and individual circumstances. These investments are generally considered illiquid and may involve additional risks. ADV Part 2A | 2025 Forvis Mazars Private Client 13  • Liquidity Risk – Access to invested funds can be limited for an extended period. Investments made by alternative funds may also be illiquid, potentially requiring significant time to sell. • Information and Regulatory Risk – Privately offered investments are typically not SEC-registered. Information regarding such investments may be limited to the offering memorandum. While we review the terms of privately offered funds that we recommend, we cannot guarantee either their performance or their continued suitability over time. Privately offered funds are subject to investment risks discussed above for equity and fixed income securities, and in certain cases, these risks may be greater due to lower diversification compared to other investments such as mutual funds. Privately offered funds may also have higher expenses than other types of investments. There may be fee discounts offered by private equity platforms for a certain level of client investments recommended by Forvis Mazars Wealth Advisors during a specific timeframe. Clients receive the benefit of any fee discounts. We do not receive any portion of private fund or platform fees, and we will recommend privately offered investments only when we consider them appropriate for clients. There is no guarantee that privately offered investments will be profitable or successful. Interval Funds/Risks and Limitations Forvis Mazars Wealth Advisors may use interval funds, which are non-traditional closed-end mutual funds that periodically repurchase a portion of outstanding shares from shareholders. These funds lack liquidity and have restrictions on withdrawals. Outside of specified repurchase window(s) investors will be unable to sell shares of the interval fund. There is no guarantee that investor will be able to tender shares in amount or at time desired and the eventual sale price for interval fund could be less than the value on the date the sale was requested. Shares are not typically traded on exchanges and there is no secondary market. Interval funds carry specific risks and will only be recommended when suitable for a client's objectives, risk tolerance, and liquidity needs. There is no guarantee interval funds will prove profitable or successful. Socially Responsible Investment Risks and Limitations Socially responsible investing incorporates Environmental, Social, and Governance (“ESG”) considerations into the investment process. There are potential limitations to allocating part of an investment portfolio to securities chosen based on ESG criteria. The definition of ESG investments may vary from person to person and between clients and ESG-focused funds. The range of available securities may be more limited than those without an ESG mandate. Additionally, ESG-based securities may perform differently compared to broader market indices. Clients requesting ESG-focused investing should be willing to accept these potential risks and limitations. Securities selected using ESG criteria are not typically recommended, but limited ESG model allocations can be implemented upon request. ESG allocations are made considering traditional investment metrics such as risk and return characteristics alongside client investment needs and preferences. Item 9: Disciplinary Information Forvis Mazars Wealth Advisors has no disciplinary events to disclose. ADV Part 2A | 2025 Forvis Mazars Private Client 14  Item 10: Other Financial Industry Activities and Affiliations Accounting Firm Forvis Mazars Wealth Advisors is wholly owned by Forvis Mazars, a certified public accounting and professional services firm. Forvis Mazars Private Client is an integrated service offering providing wealth management services through Forvis Mazars Wealth Advisors, alongside tax and accounting services offered by Forvis Mazars. While we may recommend Forvis Mazars to clients in need of tax, accounting, or business consulting services, clients are under no obligation to select Forvis Mazars and are free to engage any unaffiliated accounting firm of their choice. Fees for services will be invoiced separately unless other arrangements have been made. Our recommendation to use Forvis Mazars services presents a conflict of interest, because our firm stands to benefit from such recommendation. Independence Securities Forvis Mazars Wealth Advisors is a wholly owned subsidiary of Forvis Mazars, an accounting and professional services firm. Due to this relationship, accounting industry independence standards apply. Accountants must maintain their independence when rendering accounting opinions. Consequently, certain securities are classified as independence securities or restricted by Forvis Mazars Wealth Advisors due to their affiliation with Forvis Mazars. An independence security is of an issuer for whom Forvis Mazars provides audit or attest work. Forvis Mazars Wealth Advisors is unable to provide services or charge fees with respect to any independence security. In limited circumstances, Forvis Mazars Wealth Advisors may charge a fee on independence securities. This could include separately managed accounts or accounts that have assets held away from Forvis Mazars Wealth Advisors and are consulting only in nature. If a client’s portfolio includes restricted securities, the portfolio manager will either sell or restrict them, considering tax implications first. No investment advice or fees apply to these restricted assets; instead, alternatives are suggested to maintain Forvis Mazars’ independence. Broker-Dealer Forvis Mazars Wealth Advisors is affiliated with Forvis Mazars Capital Advisors, a limited purpose broker-dealer registered with the Financial Industry Regulatory Authority (“FINRA”) and the SEC. Capital Advisors is licensed to perform certain investment banking functions such as mergers and acquisitions and business valuations. We may make uncompensated client referrals to Capital Advisors, but there is no obligation to use their services. Other than these potential referrals, there is no material relationship between the two entities. Forvis Mazars Wealth Advisors’ recommendation to use the services of Capital Advisors presents a conflict of interest as any compensation received by Capital Advisors may indirectly benefit Forvis Mazars Wealth Advisors. Schwab Advisor Services Client Experience Panel Membership A partner of Forvis Mazars Wealth Advisors serves on the Schwab Advisor Services Client Experience Panel (“CX Panel”). The CX Panel consists of representatives from independent investment advisory firms invited by Schwab to meet and discuss Schwab Advisor Services’ services for the firms and their clients. CX Panel members sign a nondisclosure and agree not to disclose confidential information. The CX Panel generally does not obtain material non-public information about the Charles Schwab Corporation. Meetings are held approximately twice per year along with periodic conference calls. CX Panel members are not compensated by Schwab, but will be reimbursed by Schwab for travel, lodging, meals, and expenses incurred while attending meetings. Schwab may provide CX Panel members with complimentary attendance at Schwab conferences, such as IMPACT. ADV Part 2A | 2025 Forvis Mazars Private Client 15  Practice Support Subadvisors, mutual fund sponsors, and other consultants may provide us with practice management support, educational conferences, access to academic research, portfolio analysis, and marketing support. Such support is not contingent upon the selection of any particular investment. Item 11: Code of Ethics Forvis Mazars Wealth Advisors employees are subject to the Forvis Mazars Wealth Advisors Code of Ethics (“the Code”), which outlines professional conduct standards. The Code includes provisions addressing personal securities trading activities in employee accounts to mitigate potential conflicts of interest. The Code is designed to maintain and apply high ethical standards and deter activities that could result in or appear as conflicts of interest, insider trading, or other prohibited or unethical business practices. It is based on the principle that Forvis Mazars Wealth Advisors and its employees have a fiduciary duty to clients, including the expectation to avoid: • Placing personal interests before those of clients • Using their position at the firm for inappropriate advantage • Engaging in actual or potential conflicts of interest, or misuse of positions of trust and responsibility Employees may engage in securities transactions for their own accounts that are identical to those recommended to clients. This presents potential conflicts of interest, but the Code sets out procedures intended to mitigate such risks. Our asset allocation models contain primarily publicly available, broadly held mutual funds and ETFs. Based on this, it is considered unlikely that employee personal trading would impact the pricing of these investments for clients. Nor do we believe that client trading in mutual funds would have any impact on the value of a mutual fund held by employees. All personnel are required to report their personal securities transactions, and employee trading activity is monitored to reduce the likelihood of potential conflicts with clients. Employees are required to acknowledge receipt the Code upon hiring, when amended, and annually thereafter. Requests for a complete copy of the Code can be directed to Chief Compliance Officer Nicole Conklin. Item 12: Brokerage Practices The Custodians We Use We recommend that clients select Charles Schwab & Co., Inc. (“Schwab”) or Fidelity Investments (“Fidelity”) as custodians. Both firms are members of FINRA and the Securities Investor Protection Corporation (“SIPC”) and operate as registered broker-dealers. They maintain custody of clients’ assets and execute trades in their accounts. Forvis Mazars Wealth Advisors is not affiliated with these entities. In considering these custodians/brokers, we assessed a range of factors, including service offerings, financial stability, commission rates, and availability of certain mutual funds. Our custodians provide Forvis Mazars Wealth Advisors with services such as brokerage, custody, research, and access to mutual funds and other investment options that are typically reserved for institutional investors or require higher minimum investments. We participate in back-office support programs sponsored by Schwab and Fidelity. These programs, along with the associated services—such as trading platforms—are integral to our service arrangements and operational capabilities. Through our involvement in these programs, we receive certain benefits that would not be available if we did not provide investment advisory services. See the Research and Additional Benefits section below for more details. ADV Part 2A | 2025 Forvis Mazars Private Client 16  Ultimately, clients retain the discretion to select their asset custodian; however, we generally do not accept clients who direct us to use other custodians. Under limited circumstances, we may accommodate client instructions to direct brokerage transactions to a custodian/broker different from those suggested by our firm (directed brokerage). Clients should be aware that, when selecting a different custodian, we will not have the authority to negotiate commission rates among various custodians or secure volume discounts. This limitation could impact our ability to obtain best execution. Clients should evaluate each firm to ensure the recommended custodian offers the best blend of service and cost. Schwab and Fidelity do not charge custody fees but do charge account holders commissions or transaction fees, which may differ from other broker-dealers. We do not have authority to negotiate commissions charged by custodians. Forvis Mazars Wealth Advisors may decline to manage assets at custodians or broker-dealers that would cause additional cost or burden. We do not participate in soft dollar arrangements. We do not engage in principal, cross, or agency-cross transactions. Research and Additional Benefits Schwab and Fidelity offer complimentary support and products to help us better monitor and service client accounts. Their dedicated advisor platforms give advantages in pricing, services, and direct access to real-time client account data, including trades, balances, positions, and fee debiting. These firms could make available resources for Forvis Mazars Wealth Advisors' business development, such as research, market data, technology, compliance publications, consulting, conferences, marketing support, and business software or hardware. Some services are delivered directly or arranged through third parties by Schwab and Fidelity at reduced or no cost. As outlined above, certain support services and products received help Forvis Mazars Wealth Advisors with the management and administration of client accounts, while others are intended to assist in the general operation and development of the business. Forvis Mazars Wealth Advisors does not have any arrangement or agreement with Schwab, Fidelity, or any other entity to allocate a specific amount or percentage of client assets to particular mutual funds, securities, or investment products as a result of these relationships. Chief Compliance Officer Nicole Conklin is available to answer questions regarding these arrangements and any potential conflicts of interest. Best Execution Review A Best Execution Review of the brokerage services offered by custodians is conducted annually. The evaluation includes factors such as the execution capability, experience, financial stability, reputation, and quality of services provided by the custodian. Forvis Mazars Wealth Advisors places trades for client accounts in accordance with its duty of best execution and other fiduciary obligations. Recommendations for clients to maintain assets at Schwab or Fidelity may take into account the availability of certain products and services that benefit Forvis Mazars Wealth Advisors, and not solely the nature, cost, or quality of custody and execution services. This situation presents a potential conflict of interest. Custodians offer various products, services, and benefits to Forvis Mazars Wealth Advisors at no or reduced cost, contingent on maintaining or placing a specified amount of client assets with the custodian. Specifically, Forvis Mazars Wealth Advisors has an agreement with Schwab for the ADV Part 2A | 2025 Forvis Mazars Private Client 17  provision of specific benefits, such as credits toward marketing, technology consulting, compliance consulting, and business consulting services. This may result in a conflict of interest. Trade Errors In the event of an error, affected accounts will be adjusted accordingly to ensure the client is made whole. The method of correction may vary depending on the nature of the error. Any resulting profits are generally donated to charity through the custodian. Clients will not receive financial benefit from such errors. Brokerage Discretion – Tradeaway Fees In certain circumstances, individual bond transactions may be conducted through broker-dealers other than Schwab or Fidelity. These brokers may charge a ‘tradeaway’ fee in addition to the transaction fee assessed by the executing broker-dealer. Clients are required to meet custodial qualifications to participate in such transactions. Discretionary authority is exercised to trade away from the custodian solely for the purchase or sale of fixed-income securities, and this approach is not applied in all situations. If an account does not qualify for a tradeaway, trades must be executed at the client’s selected custodian. Block Trading and Order Timing Block trading refers to combining purchases or sales of the same security across multiple accounts. When an order requires several executions to be completed, each participating account receives the average price. Client orders are combined by portfolio manager when possible. If a client instructs us to place a trade, we will make reasonable efforts to accommodate specific timing requests, but we cannot guarantee these requests will always be met. Item 13: Review of Accounts Account reviews are conducted on a regular basis, typically once per year. Formal reviews follow objectives and parameters established by the client through their IPS. Ongoing reviews are performed to determine whether account rebalancing is necessary and to identify opportunities for tax-loss harvesting. Account reviews may also occur following life events, changes in investment objectives or financial circumstances, market corrections, or upon client request. Clients receive quarterly performance reports providing details on account values, asset allocation, and historical rates of return. Custodial statements are sent at least quarterly, and clients are advised to compare these with the quarterly performance reports received. Financial Planning Services Financial plans are generally not reviewed after delivery of the written plan or completion of consulting services. However, reviews may occur if clients have an annual service contract that includes an annual update or if a client requests a periodic review. RPC Each corporate retirement plan client receiving investment consulting services is reviewed by retirement plan consultants and/or portfolio managers on an ongoing basis. Various reports are available to clients at any time, and formal performance reviews are conducted by retirement plan consultants and/or portfolio managers periodically, as agreed upon with each client. Clients are advised to meet with their retirement plan consultant at least once a ADV Part 2A | 2025 Forvis Mazars Private Client 18  year. Reviews can also be initiated by a client’s request, changes in the client’s financial situation or investment objectives, or significant global, economic, or market events. Investment Consulting Services Reviews vary depending on the client’s agreement. Item 14: Client Referrals and Other Compensation As stated in Brokerage Practices above, Forvis Mazars Wealth Advisors receives economic benefits from Schwab and Fidelity. Forvis Mazars Wealth Advisors does not have any active promoter agreements; however, referral fees are still being paid under previous agreements. If you are referred to another service provider, Forvis Mazars will not receive compensation for the referral. It is advised that you conduct your own due diligence to determine if any referred service providers are qualified and suitable for your needs, and you are free to choose a different provider. We will coordinate work with these providers as appropriate and upon request, but unless there is a separate written agreement, we will not monitor or evaluate the performance of the referred or other service providers. Schwab Referral Program and AdvisorDirect In the past, we have received client referrals from Schwab through our participation in the Schwab Advisor Network program, a service designed by Schwab to refer brokerage customers and other investors to independent investment advisors that do business with Schwab Institutional and provide investment management and/or financial planning services. Historically, Forvis Mazars Wealth Advisors has received client referrals from TD AMERITRADE (now Schwab) through its participation in the AdvisorDirect program. We no longer participate in either program but continue to pay solicitation fees to Schwab from previously referred clients. Forvis Mazars Wealth Advisors is not affiliated or supervised by Schwab. We continue to serve as a fiduciary and seek best execution on any referred accounts. Item 15: Custody Forvis Mazars Wealth Advisors is deemed to have custody of a client’s assets if authorized to deduct advisory fees directly from the client’s account. Custody may also be attributed if an affiliate, such as a Forvis Mazars partner, acts as a trustee on an account managed by Forvis Mazars Wealth Advisors. Additionally, some clients have provided standing letters of authorization for Forvis Mazars Wealth Advisors to transfer funds from their custodial accounts to a non-like-titled third party. In compliance with Rule 206(4)-2 of the Advisers Act, all cash and securities are held with a qualified custodian. Clients receive account statements directly from the custodian on at least a quarterly basis, along with written notification of the custodian’s name and contact information. Clients are advised to review these statements and compare them to any quarterly reports provided by Forvis Mazars Wealth Advisors, as differences may arise due to accounting practices, reporting periods, or valuation methods. An independent auditor conducts an annual surprise custody audit of Forvis Mazars Wealth Advisors. ADV Part 2A | 2025 Forvis Mazars Private Client 19  Item 16: Investment Discretion We are authorized to make decisions regarding the selection and quantity of securities to be bought or sold in client accounts without obtaining specific consent for each transaction. All activities within your accounts will be executed in accordance with the previously stated investment objectives and risk tolerance established in your IPS. Clients may place reasonable restrictions on this authority. Please refer to Advisory Business for more details. A small proportion of the firm's accounts are classified as non-discretionary. Item 17: Voting Client Securities As a general matter, Forvis Mazars Wealth Advisors does not vote proxies. Charles Schwab Trust Company is unable to vote on behalf of clients. In this limited circumstance, Forvis Mazars Wealth Advisors has accepted voting authority and has engaged Institutional Shareholder Services (ISS) to act as an independent voting agent. ISS retains proxy voting books and records. Item 18: Financial Information Forvis Mazars Wealth Advisors maintains the financial capacity to fulfill all contractual and fiduciary obligations to its clients and has not been involved in any bankruptcy proceedings. Privacy Policy Effective Date: June 28, 2025 Forvis Mazars, LLP and all subsidiaries, parent entities, divisions, departments, and affiliates of Forvis Mazars (collectively, “Forvis Mazars,” “we,” “us,” or “our”) respect the privacy of the information you have entrusted to us. This Privacy Policy (“Policy”) applies to both the online and offline collection of personal information that we process in connection with our website and services (collectively, the “Services”). Changes to This Policy We reserve the right to change this Policy. When we do, we will also revise the “Effective Date” at the top of this Policy. If we make material changes to the Policy, we will notify you by placing a prominent notice on our website and/or by sending you an email at the email address we have on file for you. We encourage you to periodically review this Policy to keep up to date on how we are handling your personal information. What Is Personal Information? Personal information is information that relates to you or allows us to identify you. This includes obvious things like your name, address, and telephone number but can also include less obvious things like analysis of your use of our websites. The definition of personal information can vary from one jurisdiction to another. There are different types of personal information. The most important types for you to know about are: • Special categories of personal information: these categories of personal information often have additional protection under data protection laws around the world. These categories include information about your health, racial or ethnic origin, political opinions, religious or philosophical beliefs and trade union membership, your genetic data and biometric data, and information concerning your sex life or sexual orientation; and ADV Part 2A | 2025 Forvis Mazars Private Client 20  • Criminal convictions information: this is information relating to your criminal convictions and offenses. Local data protection laws may restrict the way in which we can use this information when compared to, for example, your name and address. Our Responsibility to You We process your personal information in our capacity as a controller. This means that we are responsible for ensuring that we comply with relevant data protection laws when processing your personal information. Please note that our clients, service providers, and other third parties will have their own privacy policies. You can learn more about how your information is collected and used by relevant third parties by reviewing the privacy policies of those businesses with which you engage. Personal Information Collected The personal information we collect about you helps us manage our relationship with you, primarily by allowing us to respond to your questions, to improve website experience, and to notify you of our services. We also collect information throughout the employment and hiring process. We may collect personal information directly from you, for example, if you contact us to ask a question. We may also obtain personal information relating to you from other sources, including: • Your current or past employer(s); • Our clients and our service providers; • Your attorneys, advisors and family members; • The custodians you use to hold any assets managed by our wealth advisors; • Credit reference agencies; • Anti-fraud databases, sanctions lists, court judgments, and other databases; • Government agencies and publicly accessible registers or sources of information; and • By actively obtaining your personal information ourselves, for example, through the use of website tracking devices Which of the sources apply to you will depend on why we are collecting your personal information. Where we obtain your information from a third party, in particular your employer or our client, we may ask them to provide you with a copy of this privacy notice (or a shortened version of it) to ensure you know we are processing your information and the reasons why. The categories of personal information we collect are detailed below. Sometimes, these activities are carried out by third parties (see “Sharing of Disclosure of Personal Data” section below). Category of personal information Examples Identifiers A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers ADV Part 2A | 2025 Forvis Mazars Private Client 21  Category of personal information Examples A name, signature, address, financial, and health information Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) Commercial information Records of products or services purchased, obtained, or considered, or other purchasing activity on our sites Internet or another similar network activity Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement Professional or employment-related information Current or past employment information when you submit an application to us through our site Detailed financial information Assets, income, tax information, retirement plan information, estate plans, transaction history, investment objectives, family relationships and marital status COOKIES Cookies listed below are specific to the forvismazars.us website. All other domains/websites related to Forvis Mazars maintain a separate listing of applicable cookies on each site. To access the full Cookie List, please visit https://www.forvismazars.us/privacy-policy. Use of Personal Information Collected & Legal Basis for Processing In this section we set out in more detail the main purposes for which we use your personal information and the legal bases upon which we are using your personal information. Personal Information received by any of our departments or subsidiaries may be shared with any of our other departments or subsidiaries. Purpose Legal basis for processing To provide our Services Our legitimate interest in using your information where this is necessary or appropriate to provide our Services To respond to your requests and inquiries Our legitimate interest in responding to your requests and inquiries To improve user experiences by making our website easier to use and navigate We have a legitimate interest in providing to you the facilities on our websites that you have requested and in understanding how our websites are used and in making our website easier to use To send you marketing communications Consent for those outside the United States – we will ask you to opt in to receiving marketing communications from us. For residents of the United States, you will be able to opt out of any ADV Part 2A | 2025 Forvis Mazars Private Client 22  Purpose Legal basis for processing such communications via a link on the message or by privacynotice@us.forvismazars.com To send you information regarding our Services such as information about changes to our policies and other notices and disclosures required by law For all information – our legitimate interest in knowing the identity and background of the individuals we employ to ensure we have the appropriate staff to comply with our various legal and regulatory obligations and ethical duties Staff recruitment. For all information – our legitimate interest in knowing the identity and background of the individuals we employ to ensure we have the appropriate staff to comply with our various legal and regulatory obligations and ethical duties Consent and Opting Out of Marketing Communications We do not generally process your personal information based on your consent (as we can usually rely on another legal basis). Where we do process your personal information based on your consent, you have the right to withdraw your consent at any time. To withdraw your consent, please email us at privacynotice@us.forvismazars.com. We provide you the opportunity to opt-out of marketing communications by clicking the “unsubscribe” link in email communications or by contacting us using the contact information provided below. We will process your request as soon as possible in accordance with applicable law, but please be aware that in some circumstances you may receive a few more messages until the unsubscribe is processed. We may send you information regarding our Services such as information about changes to our policies and other notices and disclosures required by law. Generally, users cannot opt-out of these communications, but they will be primarily informational in nature, rather than promotional. Sharing & Disclosure of Information We may share or disclose your information to the following categories of third parties and for the following reasons: • To third-party service providers, agents, or independent contractors as necessary to provide you with the Services or effect transactions you authorize, or who help us maintain our Services and provide other administrative services to us. • We may share your personal information in the course of any reorganization process including, but not limited to, mergers, acquisitions, and sales of all or substantially all of our assets. • We may disclose your personal information to law enforcement, government agencies, and other related third parties, in order to comply with the law, enforce our policies, or protect our or others’ rights, property, or safety. • We may share with other third parties only with your consent or direction to do so. Security We implement reasonable security measures to ensure the security of your personal information. Please understand, however, that no data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, Forvis Mazars cannot ensure or warrant the security of any information you transmit to us and you ADV Part 2A | 2025 Forvis Mazars Private Client 23  understand that any information that you transfer to us is done at your own risk. If we learn of a security system breach we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Services or providing personal information to us, you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services. We may post a notice via our website if a security breach occurs. We may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. Profiling & Automated Decision Marking We do not use profiling (where an electronic system uses personal information to try and predict something about you) or automated decision making (where an electronic system uses personal information to make a decision about you without human intervention). How Long Do We Keep Your Personal Information? We keep your personal information in accordance with our global data retention policy, which categorizes all of the information held by us and specifies the appropriate retention period for each category of information. Those periods are based on the requirements of relevant data protection laws and the purpose for which the information is collected and used, taking into account legal and regulatory requirements to retain the information for a minimum period, limitation periods for taking legal action, taking into account legal and regulatory requirements. Cross Border Transfers of Your Personal Information Forvis Mazars operates in multiple jurisdictions and your personal information may well be transferred across national boundaries. Where we transfer your personal information across national boundaries, we will protect your personal information by ensuring that those transfers are made in compliance with all relevant data protection laws. Generally, this means where we transfer your personal information either to a Forvis Mazars group member or to a third party that is located in a country which does not have adequate privacy protection, we will put in place a contract with the recipient of the personal information that includes the standard international data transfer contractual terms approved by the UK Information Commissioner’s Office and/or the European Commission, as applicable. If you would like further details of how your personal information is protected when transferred from one country to another, then please email us at privacynotice@us.forvismazars.com. Data Privacy Framework Notice We participate in the EU-U.S. Data Privacy Framework and the UK Extension to the EU-U.S. Data Privacy Framework as set forth by the U.S. Department of Commerce with respect to personal information that is transferred from the European Economic Area (EEA) to the United States within the scope of Forvis Mazars' Data Privacy certification. To learn more, see our https://www.forvismazars.us/privacy-policy/data-privacy-framework-notice. ADV Part 2A | 2025 Forvis Mazars Private Client 24  Notice to UK and EU Individuals: If you are located in the United Kingdom (UK) or the European Union (EU), you will also be asked to provide clear and unequivocal affirmative consent to the collection, processing, and sharing of your user information via cookies and similar technologies. Your Rights Under certain conditions, you may have the right to require us to: Provide you with further details on the use we make of your personal information; • Provide you with a copy of the personal information we hold about you; • Update any inaccuracies in the personal information we hold about you; • Delete any of your personal information that we no longer have a lawful ground to use; • Where processing is based on consent, stop that particular processing by withdrawing your consent; • Object to any processing based on our legitimate interests unless our reasons for undertaking that processing outweigh any prejudice to your data protection rights; • Restrict how we use your personal information while a complaint is being investigated; and • Transfer your personal information to a third party in a standardized machine-readable format. In certain circumstances, we may need to restrict your rights in order to safeguard the public interest, e.g., the prevention or detection of crime, and our interests, e.g., the maintenance of legal privilege. We are obliged to keep your personal information accurate and up to date. Please help us to do this by advising us of any changes to your personal information. Your Right to Complain If you are not satisfied with our use of your personal information or our response to any request by you to exercise your rights, or if you think that we have breached any relevant data protection laws, then you have the right to complain to the data protection authority that supervises our processing. In the UK, this is the UK Information Commissioner’s Office. Details of the ICO can be found at https://ico.org.uk. Collection & Use of Information From Children Our Services are not intended for children. We do not knowingly collect personal information from children, and none of our Services are designed to attract children. In the event that we learn that a person under the age of 13 has provided personal information to us, we will delete such personal information as soon as possible. Cookies This site employs cookies and web beacons to track usage and provide a better online experience. Some portions of the site may not be available if the user's browser will not accept cookies. Some of this collected information is retained and other data is discarded as Forvis Mazars modifies this site. Visitors may choose to register and accept periodic transmissions from the firm; these transmissions do not constitute professional advice from Forvis Mazars to the recipient. Forvis Mazars does not sell e-mail addresses collected through this site. Identifying information submitted through the site may, however, be shared with our partners for the purpose of providing additional information to users. ADV Part 2A | 2025 Forvis Mazars Private Client 25  Notice to UK and EU Individuals: If you are located in the United Kingdom (UK) or the European Union (EU), you will also be asked to provide clear and unequivocal affirmative consent to the collection, processing, and sharing of your user information via cookies and similar technologies. For UK and EU individuals, essential cookies also help inform Forvis Mazars whether you require, or have already been served, an affirmative consent request in connection with the General Data Protection Regulation (GDPR). Essential cookies include analytics cookies, which provide us data that allows Forvis Mazars to better understand its users and improve the Site based on what we have learned from that data. Third-Party Links Our website contains links to other sites. Forvis Mazars is not responsible for the privacy practices or content of such other sites. If you have any questions about how these other sites use your information, you should review their policies and contact them directly. How We Respond to Do-Not-Track Signals At this time our website does not recognize automated browser signals regarding tracking mechanisms, which may include “Do Not Track” instructions. Residents of the European Economic Area For individuals in the European Economic Area, please click here https://www.forvismazars.us/privacy- policy/privacy-disclosures-to-residents-of-the-european-economic-area for additional detailed disclosures regarding your Personal Data. California Privacy Rights Under the California Consumer Privacy Act, residents of California are provided with certain rights regarding their personal information: 1. The right to know, by way of our Privacy Policy and any specific inquiries you direct to us, the categories of personal information we collect from you, the source(s) of that personal information, what we use that information for, whether it is being disclosed or sold, and if so, to whom; 2. The right to “opt-out” of Forvis Mazars’ sale of your Personal Information to any third parties; 3. The right to request Forvis Mazars to stop sharing your Personal Information with third parties; 4. The right, with some exceptions, to have your Personal Information deleted from Forvis Mazars’ possession or control; 5. The right to correct inaccuracies in your Personal Information; and 6. The right to receive equal service and pricing from Forvis Mazars even if you exercise any of your privacy rights. For all California residents, any such inquiries shall be responded to within forty-five (45) days and at no cost to you. We must verify your identity with respect to such inquiries. Depending on the nature of the Personal Information at issue, we may require additional measures or information from you as part of that verification. California Civil Code Section 1798.83 permits California residents who use our website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. ADV Part 2A | 2025 Forvis Mazars Private Client 26  We do not and will not sell personal information about California residents, as defined under California state law. We also have not done so for the last 12 months. For California residents under age 18 who have publicly posted content or information, you may request and obtain removal of such content or information pursuant to California Business and Professions Code Section 22581, provided you are a registered user of any website where this Policy is posted. To make such a request, please click here https://privacyportal.onetrust.com/webform/61dcb4fc-fb23-4230-87d6-f228f6ef3e4d/5f262a83-0bf6- 4117-a660-5c2f7c23f0e7. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that the law may not require or allow removal in all instances, even if requested. To contact us to exercise any of the California rights listed above, please click here https://privacyportal.onetrust.com/webform/61dcb4fc-fb23-4230-87d6-f228f6ef3e4d/5f262a83-0bf6-4117- a660-5c2f7c23f0e7 or call us at 1-844-235-3485. Contact Us Please call if you have any questions, because your privacy, our professional ethics, and the ability to provide you with quality financial services are very important to us. Forvis Mazars Chief Compliance Officer 910 E. St. Louis Street, Springfield, MO 65806 417.520.1118 Email: compliancewa@us.forvismazars.com ADV Part 2A | 2025 Forvis Mazars Private Client 27