GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC

Item 1 – Cover Page ADV PART 2A-2B FIRM BROCHURE FEBRUARY 24, 2026 Graystone Partners Wealth Management, LLC 1095 West Rio Salado Parkway, Suite 101 Tempe, AZ 85281 (480) 557-9727 info@graystonepartners.net This brochure provides information about the qualifications and business practices of Graystone Partners Wealth Management, LLC (“Graystone”). If you have any questions about the contents of this brochure, please contact us at (480) 557-9727. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Graystone is a Registered Investment Adviser. Registration as an Investment Adviser with the SEC does not imply a certain level of skill or training. Additional information about Graystone is available on the SEC’s website at www.adviserinfo.sec.gov, using our CRD#: 306068.  Item 2 – Material Changes SUMMARY OF MATERIAL CHANGES This brochure for Graystone Wealth Partners, LLC (“Graystone”) is provided further to our last update on March 14, 2025. We have updated our assets under management and made changes in Item 4. Following the SEC and state rules, we will ensure that clients receive a summary of any materials changes to this and subsequent Brochures within 120 days of the close of the Advisor’s fiscal year. We will provide other ongoing disclosure information about material changes, as necessary. Currently, a free copy of our Brochure may be requested by contacting Graystone at (480) 557-9727. The Brochure is also available on our website www. graystonepartners.net Item 3 – T able of Contents ITEM 1 – COVER PAGE 0 ITEM 2 – MATERIAL CHANGES 1 ITEM 3 – TABLE OF CONTENTS 1 ITEM 4 – ADVISORY BUSINESS 2 ITEM 5 – FEES & COMPENSATION 4 ITEM 6 – PERFORMANCE BASED FEES & SIDE-BY-SIDE MANAGEMENT 5 ITEM 7 – TYPES OF CLIENTS 5 ITEM 8 – METHODS OF ANALYSIS, INVESTMENT STRATEGIES & RISK OF LOSS 5 ITEM 9 – DISCIPLINARY INFORMATION 7 ITEM 10 – OTHER FINANCIAL INDUSTRY ACTIVITIES & AFFILIATIONS 7 ITEM 11 – CODE OF ETHICS 7 ITEM 12 – BROKERAGE PRACTICES 8 ITEM 13 – REVIEW OF ACCOUNTS 8 ITEM 14 – CLIENT REFERRALS & OTHER COMPENSATION 9 ITEM 15 – CUSTODY 9 ITEM 16 – INVESTMENT DISCRETION 9 ITEM 17 – VOTING YOUR SECURITIES 9 ITEM 18 – FINANCIAL INFORMATION 9 ADV PART 2B 10-14 GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 1  Item 4 – A dvisory Business At Graystone Partners Wealth Management, LLC (“Graystone”), we are dedicated to providing individuals and other types of clients with a wide array of investment advisory services. Our firm is a limited liability company formed under the laws of the State of Arizona in 2019 and has been in business as an investment adviser since that time. Our firm is owned by Jerry Gray & Jake Bowyer indirectly through their ownership interest in JG Financial Services, Inc. and Bowyer Financial LLC., respectively. The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, we embrace our duty to always act in the client’s best interest. We provide Wealth Management, Financial Consulting and Retirement Plan Advisory Services. WEALTH MANAGEMENT Through our investment advisor representatives (“Representatives”) we provide Wealth Management that includes comprehensive financial lifestyle planning and investment management. We manage accounts on a discretionary basis, which means we execute the day-to-day transactions without seeking prior client consent. We can learn about clients through interviews and discussions, risk tolerance questionnaires, third-party risk analysis software programs or through the development of an investment policy statement. We typically do not allow our wrap fee clients to impose restrictions on investing or certain securities due to the level of difficulty this would entail in managing their account. Exceptions will be made on a case-to-case basis. It is important that clients notify us immediately if circumstances have changed with respect to their financial situation. In most cases, we utilize mutual funds, exchange-traded funds or stocks for clients, although we can also select mutual funds, bonds, certificate of deposits, or any investments available through the custodian selected by the client. We provide Wealth Management through a wrap fee (“Wrap Fee Program”) and more information on the same can be found in our ADV Part 2A-Schedule 1 (“Wrap Fee Brochure”). We typically recommend LPL Financial (“LPL”) as the custodian (“Custodian”) for client assets. LPL provides custody, trading and investment programs (“Programs”) for client assets. In some situations, we may recommend a Program provided by LPL which could include: Manager Access Select Program; Model Wealth Portfolios Program; Optimum Market Portfolios Program. More information on these programs are as follows: Manager Access Select Program (“MAS”): MAS provides clients access to the investment advisory services of professional portfolio management firms for the individual management of client accounts. We will assist the client in identifying a third-party portfolio manager (Portfolio Manager) from a list of Portfolio Managers made available by LPL Financial, which will manage client assets on a discretionary basis. We will provide initial and ongoing assistance regarding the Portfolio Manager selection process. MAS typically has a standard minimum account size of $25,000, but in some cases can be lower or higher. Model Wealth Portfolios Program (“MWP”): MWP offers clients a professionally managed mutual fund asset allocation program. We will obtain the necessary financial data from the client, assist the client in determining the suitability of the MWP program and assist the client in setting an appropriate investment objective. LPL Financials’ Research Department (“LPLFRD”) is authorized by client to manage MWP on a discretionary and ongoing basis in accordance with the client’s stated investment objective. The MWP program may make available model portfolios designed by strategists other than LPLFRD. If such models are made available, we will have discretion to choose among the available models designed by LPLFRD and outside strategists. A minimum account value of $10,000 is required for MWP. Optimum Market Portfolios Program (“OMP”): OMP offers clients the ability to participate in a professionally managed asset allocation program using Optimum Funds Class I shares. Under OMP, the client will authorize LPL on a discretionary basis to purchase and sell Optimum Funds pursuant to investment objectives chosen by the client. We will assist the client in determining the suitability of OMP for the client and assist the client in setting an appropriate investment objective. Adviser will have discretion to select a mutual fund asset allocation portfolio designed by LPL consistent with the client’s investment objective. LPL will have discretion to purchase and sell Optimum Funds pursuant to the portfolio selected for the client. LPL will also have authority to rebalance the account. A minimum account value of $1,000 is required for OMP. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 2  FINANCIAL CONSULTING Our firm provides a variety of standalone financial planning and consulting services to clients for the management of financial resources based upon an analysis of current situation, goals, and objectives. Financial planning services will typically involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, or Business and Personal Financial Planning. We offer Estate Planning services in conjunction with Trust & Will for our clients to assist with general information as it applies to reviews of existing plans, gathering information needed to provide outside firms in the creation of documents, and updating existing plans for clients. The fees for this service will be included in the financial consulting fee that the client will pay. It is important to know that we are not estate attorneys, and we do not provide legal advice. Written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. Implementation of the recommendations will be at the discretion of the client. Our firm provides clients with a summary of their financial situation, and observations for financial planning engagements. Financial consultations are not typically accompanied by a written summary of observations and recommendations, as the process is less formal than the planning service. If all the information and documents requested from the client are provided promptly, plans or consultations are typically completed within 6 months of the client signing a contract with our firm. RETIREMENT PLAN ADVISORY SERVICES Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising may include; Establishing an Investment Policy Statement – Our firm can assist in the development of a statement that summarizes the investment goals and objectives along with the broad strategies to be employed to meet the objectives; Recommending Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investment options and make recommendations for appropriate changes; Asset Allocation and Portfolio Construction – Our firm will develop strategic asset allocation models to aid Participants in developing strategies to meet their investment objectives, time horizon, financial situation and tolerance for risk; Investment Monitoring – Our firm will monitor the performance of the investments and notify the client in the event of over/underperformance and in times of market volatility; Participant Education – Our firm will provide opportunities to educate plan participants about their retirement plan offerings, different investment options, and general guidance on allocation strategies. It is important to know that all retirement plans are unique, and not all services noted above will be provided to all clients. In providing services for retirement plan consulting, our firm does not provide any advisory services with respect to the following types of assets: employer securities, real estate (excluding real estate funds and publicly traded REITS), participant loans, non-publicly traded securities or assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). All Retirement Plan Advisory Services shall follow applicable state and federal laws regulating retirement consulting services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). For management of Plans, our firm acknowledges its fiduciary standard within the meaning of Section 3(21) or 3(38) of ERISA. General investment advice will be offered to our Financial Consulting, Retirement Plan Consulting and Programs. Exceptions will be made on a case-by-case basis. Please see our Wrap Fee Program Brochure for more information. ESTATE PLANNING SERVICES Through our partnership with an unaffiliated independent third-party technology company, Wealth, Inc. ("Wealth”), we can facilitate the preparation of various estate planning documents for clients. Such services are generally separate from any investment management and/or financial planning services that we may render to a client, and the exact scope of such estate planning services will depend on the nature of a client’s specific estate planning needs. As a condition of utilizing Wealth, you must agree to the terms and conditions available at wealth.com. We may pay for your access to Wealth. For the avoidance of doubt, neither Advisor or Wealth renders legal advice or services. Wealth offers the ability to consult with licensed attorneys in various jurisdictions at an additional charge, and subject to additional terms and conditions. ASSETS As of December 31, 2025, we managed $297,272.886 in total assets under management, all of which are managed on a discretionary basis. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 3  Item 5 – F ees & Compensation WEALTH MANAGEMENT Graystone charges advisory fees (“Advisory Fees”) for Wealth Management which is typically calculated as a percentage of assets under management (“Assets”). The maximum fee we charge clients is 2.00% and the fee is clearly noted on the advisory agreement you signed with us. Wrap Fee Program: Please refer to the Wrap Fee Brochure for more information about our fees and compensation for the Wrap Fee Program. Programs: The account fee charged to the client for each LPL Program varies up to a maximum of 2.00%. Account fees are payable quarterly in advance or arrears. Fees are negotiable. The actual fee assessed will be disclosed in the Program. LPL serves as program sponsor, investment advisor and broker-dealer for the LPL Programs. We share the Program advisory fee with LPL. FINANCIAL CONSULTING Financial Consulting is included in the Advisory Fee for Wealth Management clients who request the same. For standalone Financial Consulting, our fee is fixed up to $10,000 depending on the level and complexity of services being provided. If engaged for standalone Financial Consulting, clients will be provided a Financial Consulting agreement (“Consulting Agreement”) that outlines the services provided, and fee to be charged. Standalone Financial Consulting fees are due upon engagement or upon completion and delivery of the analysis and recommendations. You may terminate the Consulting Agreement by providing us with written notice. There is no penalty for termination of your Financial Consulting agreement prior to delivery of the information being delivered to you, although we would charge you for the time spent prior to the termination, unless cancelled within 5 days of engagement. RETIREMENT PLANNING SERVICES We charge advisory fees (“Retirement Advisory Fees”) for Retirement Plan Advisory Services which are calculated as a percentage of assets under management (“Assets”). Retirement Advisory Fees are based on a percentage of managed plan assets and will not exceed 2.00%. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed in the signed Retirement Plan Advisory Services Agreement. Representatives of our firm are also associated with LPL as broker-dealer registered representatives (“Registered Persons”). In their capacity as Registered Persons of LPL, Representatives may earn commissions for the sale of securities or investment products that they recommend for brokerage clients. They do not earn commissions on the sale of securities or investment products recommended or purchased in advisory accounts through our firm. Clients have the option of purchasing many of the securities and investment products made available through another broker-dealer or investment adviser. When purchasing these securities and investment products away from our firm, however, Clients will not receive the benefit of the advice and other services we provide. Having the ability to earn commissions can create a conflict of interest to receive a commission, so in all cases we make recommendations in the best interests of the client. We typically recommend LPL Financial (“LPL”) to be the custodian for client accounts. LPL provides a trading platform where no transaction fees are charged for certain exchange-traded funds or mutual funds (“NTF Funds”). Since we pay the transaction fees charged, we are incentivized to recommend NTF Funds to reduce our costs. This presents a conflict of interest because the NTF Funds may have higher overall expenses or returns that are not better than other investments that charge a transaction fee. In addition, other major custodians have eliminated transaction fees for all ETFs and U.S. equities, so clients may pay more for investing in the same securities at LPL. As a fiduciary, we must at all time put the interests of the client in front of our own. Wrap clients will not incur transaction costs for trades by their chosen custodian. More information about this can be found in our separate Wrap Fee Brochure. Clients not enrolled in the Wrap Fee Program will incur transaction fees for trades executed by their chosen custodian. These transaction fees are separate from our firm’s advisory fees and will be disclosed by the chosen custodian. Clients may also pay holdings charges imposed by the chosen custodian for certain investments, charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s prospectus (i.e., fund management fees, initial or deferred sales charges, mutual fund sales loads, 12b-1 fees, surrender charges, variable annuity fees, IRA and qualified retirement plan fees, and other fund expenses), mark-ups and mark-downs, spreads paid to market makers, fees for trades executed away from custodian, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. Our firm does not receive a portion of these fees. The investments selected for the clients are not exclusively available to us and could be obtained through other unaffiliated firms and potentially at a lower fee. Of course, we strive to be sensitive and conscientious of all fees charged to clients. Upon termination, any advisory fees paid in advance will be rebated for the unused portion that they were billed in advance. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 4  Item 6 – P erformance Based Fees & Side- by-Side Management We do not charge advisory fees on a share of the capital appreciation of the funds or securities in a client account (so- called performance-based fees). Item 7 – T ypes of Clients We provide investment advice to individuals, high net worth individuals, foundations, employer sponsored retirement plans, charitable organizations, institutions, trusts and estates. Item 8 – M ethods of Analysis, Investment Strategies & Risk of Loss METHODS OF ANALYSIS AND INVESTMENT STRATEGIES We will use our best judgment as well as client inputs such as risk tolerance, time horizon, objectives/goals, liquidity needs, and suitability factors when choosing investments and constructing portfolios. Our investment philosophy includes Modern Portfolio Theory (“MPT”). MPT states that investments should be selected based on how they interact with one another, rather than how they perform in isolation. When selecting individual investments to be included in a portfolio we will utilize some or all of the following methods: Fundamental, Technical, Cyclical, and Macro and Micro economic analysis. Additionally, we utilize numerous sources of information to provide advice, including but not limited to: financial newspapers and magazines, websites, research materials and software prepared by third parties, annual reports, prospectuses and filings with the SEC, company press reports, as well as our proprietary analysis of data and information. It is important to know that all methods of analysis include specific risks, including timing errors, inaccurate information, economic impacts, and other factors that can impact client investment performance. We may utilize long-term purchases (securities held at least a year) and short-term purchases (securities sold within a year) when implementing Investment Management. Short term purchases may increase costs and may also increase the tax obligation of the portfolio. Investments may also be made on margin, which may increase the costs due to the interest payments on the margin loan balance. Option strategies may also be implemented, which carry the risk of expiration with no value, as well as called equity positions, which could create a risk of taxation. The types of securities include, but are not limited to the following: equities, fixed income (corporate debt, municipal bonds, certificates of deposit, etc.), mutual funds, unit investment trusts, options, exchange traded funds, U.S. Government issues securities, real estate investment trusts, limited partnerships and direct participation programs. It is possible that we may invest or help clients invest in digital assets. Digital assets typically refer to an asset that is issued and/or transferred using distributed ledger or blockchain technology, including, “virtual currencies” (also known as crypto-currencies), “coins”, and “tokens”. We may invest client accounts in and/or advise clients on the purchase or sale of digital assets. This advice or investment may be in actual digital coins/tokens/currencies or via investment vehicles such as exchange traded funds (ETFs) or separately managed accounts (SMAs). These investments are only those allowed through LPL. The investment characteristics of Digital Assets generally differ from those of traditional securities, currencies. Digital Assets are not backed by a central bank or a national, international organization, any hard assets, human capital, or other form of credit and are relatively new to the marketplace. Rather, Digital Assets are market-based: a Digital Asset’s value is determined by (and fluctuates often, according to) supply and demand factors, its adoption in the traditional commerce channels, and/or the value that various market participants place on it through their mutual agreement or transactions. The lack of history to these types of investments entail certain unknown risks, are very speculative and are not appropriate for all investors. RISK OF LOSS A client’s investment portfolio is affected by general economic and market conditions, such as interest rates, availability of credit, inflation rates, economic conditions, changes in laws and national and international political circumstances. 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. Graystone will assist Clients in determining an appropriate strategy based on their tolerance for risk. Financial Planning: Risks associated with the financial planning process include the possibility that the investment performance, interest rates, inflation assumptions, and longevity assumptions used in the development of client’s financial plan turn out to be materially different than the actual future investment performance, interest rate, inflation, and life span. Differences between the assumptions used in the plan and actual events can materially affect the results of the financial plan over long periods of time. While we base our assumptions on historical information, clients must acknowledge that past performance or events might not be indicative of the future returns. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 5  ‐ Investing: Investing is not without risk and involves the risk of loss of principal which clients should be prepared to bear. We use several strategies to try to reduce risk, including diversifying a portfolio across multiple asset classes. Despite these strategies, every asset class has experienced severe declines in value, sometimes over many years. Asset Class Risk: Securities in client portfolios or in underlying investments such as mutual funds may underperform in comparison to the general securities markets or other asset classes. Issuer Risk: Client account performance depends on the performance of individual securities selected in client accounts. Any issuer may perform poorly or be unable to continue operations, causing the value of its securities to decline or default. Management Risk: The performance of client accounts is subject to the risk that our investment management strategy may not produce the intended results. Market Risk: Client accounts can lose money over short periods due to short-term market movements and over longer periods during market downturns. The value of a security may decline due to general market conditions, economic trends, or events that are not specifically related to the issuer of the security or to factors that affect a particular industry or industries. Passive Investment Risk: We may use a passive investment strategy that is not actively managed where we do not attempt to take defensive positions in declining markets. Liquidity Risk: A security may not be able to be sold at the time desired which can impact performance. Interest Rate Risk: An increase in interest rates may cause the value of fixed income securities and funds that hold these securities to decline in value. Securities with longer durations tend to be more sensitive to interest rate changes, usually making them more volatile than securities with shorter durations. Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as 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. Reinvestment Risk: This is a risk that future proceeds from fixed income investments may have to be reinvested at a potentially lower rate of return (i.e., interest rate). Business Risk: These risks are associated with a particular industry or a particular company within an industry. 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 times. Credit Risk: Refers to the risk that companies or other issuers may fail to pay their debts (including the debt owed to holders of their bonds). Consequently, this affects individual bond ladders, mutual funds and exchange traded funds (ETFs) that hold these bonds. Credit risk is less of a factor in investments including insured bonds or U.S. Treasury Bonds. By contrast, those that invest in the bonds of companies with poor credit ratings generally will be subject to higher risk. Prepayment Risk: Issuers may choose to pay off debt earlier than the stated maturity date on a bond. For example, if interest rates fall, a bond issuer may decide to “retire” its debt and issue new bonds that pay a lower rate. When this happens, proceeds from the sale of individual bonds or a bond fund may not be able to be reinvested in an investment with as high a return or yield. Digital Assets - Price Volatility: A principal risk in trading Digital Assets is the potential for rapid and extreme price fluctuation. The value of client portfolios relates in part to the value of the Digital Assets held in the client portfolio and fluctuations in the price of Digital Assets could adversely affect the value of a client’s portfolio. The price of Digital Assets achieved by a client may be affected generally by a wide variety of complex factors such as supply and demand; availability and access to Digital Asset service providers (such as payment processors), exchanges, miners or other Digital Asset users and participants; perceived or actual security vulnerability; and traditional risk factors including inflation levels; fiscal policy; interest rates; and political, natural and economic events. Digital Asset - Service Providers Risk: Service providers that support Digital Assets and the Digital Asset marketplace(s) may not be subject to the same regulatory and professional oversight as traditional securities service providers. Further, there is no assurance that the availability of and access to virtual currency service providers will not be negatively affected by government regulation or supply and demand of Digital Assets. Accordingly, companies or financial institutions that currently support virtual currency may not do so in the future. Digital Assets - Custody Risk: Under the Advisers Act, SEC registered investment advisers are required to hold securities with “qualified custodians,” among other requirements. Certain Digital Assets may be deemed to be securities. Many Digital Assets do not currently fall under the SEC definition of security and therefore many of the companies providing Digital Assets custodial services fall outside of the SEC’s definition of “qualified custodian”. Accordingly, clients seeking to purchase actual digital coins/tokens/currencies may need to use non-qualified custodians to hold all or a portion of their Digital Assets. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 6  Government Oversight of Digital Assets Risk: Regulatory agencies and/or the firms responsible for oversight of Digital Assets or a Digital Asset network may not be fully developed and subject to change. Regulators may adopt laws, regulations, policies or rules directly or indirectly affecting Digital Assets their treatment, transacting, custody, and valuation. Item 9 – D isciplinary Information We do not have any legal, financial or other “disciplinary” items to report. Item 10 – Other Financial Industry Activities & Affiliations Representatives of our firm are Registered Persons, which means they are registered representatives of LPL. LPL is a broker-dealer that is independently owned and operated and is not affiliated with our firm. Please refer to Item 12 for a discussion of the benefits our firm may receive from LPL and the conflicts of interest associated with receipt of such benefits. Representatives of our firm are insurance agents/brokers. They offer insurance products and receive customary fees as a result of insurance sales. A conflict of interest exists as these insurance sales create an incentive to recommend products based on the compensation the Representative may earn in their capacity as an insurance agent. To mitigate this potential conflict, our firm will act in the client’s best interest. Item 11 – Code of Ethics We have implemented policies and procedures to govern our employees and to mitigate the conflicts of interest we encounter when providing our advisory services to clients. These include: • A Code of Ethics that each employee is required to review and sign an acknowledgement of receipt and understanding (upon hire, and annually); • Prohibitions on the misuse of material non-public information; • Personal securities trading policies and procedures (governing not only our employees but also the members of their household and any other securities or brokerage accounts where they have beneficial ownership of with a spouse, family member or other person). Employees are not allowed to: “Front-run” or trade in anticipation of client transactions. o Trade on inside information. o o Trade or participate in any activity prohibited under the federal securities laws. o Place their interests in front of clients. We strive to achieve the highest ethical and fiduciary standards (in dealing with Clients, the public, vendors, prospective clients, and each other). As a fiduciary, we have an affirmative duty to act with integrity, competence, and care; this includes disclosing all potential and actual conflicts of interest. It may be possible for the Representative to buy or sell securities in their personal accounts that were also purchased in client accounts. We have a strict policy against using the trade flow of clients to economically benefit our firm or Representatives and we monitor the transactions of Representative’s accounts to ensure that client interests are placed first. We provide services for various other clients. We may give advice or take actions for our clients that differ from the advice given to other clients. The timing or nature of any action taken for all clients or other sponsors may also vary. For more information or to request a copy of our Code of Ethics, please contact us at (480) 557-9727. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 7  Item 12 – Brokerage Practices Our client assets are primarily held by LPL Financial as the custodian (“Custodian”). We tend to recommend Custodian for administrative convenience and because they offer good value to our clients for the transaction costs and other costs incurred. The client is not obligated to affect transactions through any custodian recommended by Graystone. In recommending Custodian, we will comply with our fiduciary duty to seek best execution and will consider such relevant factors as: (1) price; (2) the custodian’s facilities, reliability, and financial responsibility; (3) the ability of the Custodian to effect transactions, particularly about such aspects as timing, order size and execution of order; and (4) Any other factors that we consider to be relevant. Additionally, retirement plan accounts are held at the custodian or trustee as selected by the plan sponsor, and all transactions will be processed inside of that custodian or trustee. The Custodian provides us (and other independent investment advisors) services which include custody of securities, trade execution, clearance, and settlement of transactions. We receive some benefits from the Custodian that is more fully described in Item 14 below. For IRA accounts, LPL generally charges account maintenance fees. In addition, LPL also charges clients miscellaneous fees and charges, such as account transfer fees. While LPL does not participate in, or influence the formulation of, the investment advice our firm provides, certain supervised persons of our firm are Dually Registered Persons. Dually Registered Persons are restricted by certain Financial Industry Regulatory Authority (“FINRA”) rules and policies from maintaining accounts at another custodian or executing transactions in such accounts through any broker-dealer or custodian that is not approved by LPL. As a result, the use of other trading platforms must be approved by our firm and LPL. Clients should also be aware that for accounts where LPL serves as the custodian, our firm is limited to offering services and investment vehicles that are approved by LPL and may be prohibited from offering services and investment vehicles that may be available through other broker-dealers and custodians, some of which may be more suitable for a client’s portfolio than the services and investment vehicles offered through LPL. Clients should understand that not all investment advisers require that Clients custody their accounts and trade through specific broker-dealers. The products and services described above are provided to our firm as part of its overall relationship with LPL. While as a fiduciary, our firm endeavors to act in its clients’ best interests, the receipt of these benefits creates a conflict of interest because our firm’s requirement that Clients custody their assets at LPL is based in part on the benefit to our firm of the availability of the foregoing products and services and not solely on the nature, cost or quality of custody or brokerage services provided by LPL. Our firm’s receipt of some of these benefits may be based on the amount of advisory assets custodied on the LPL platform. In some cases, the Representative may aggregate or block trade multiple client accounts. Doing so allows some efficiency in the transactions, although it does not ensure you will receive a reduction in trading costs or a better execution price than if your trade was enacted separately. Please note that block trades are reviewed by either the Chief Compliance Officer, administrative associates or other assignees. We do not receive any soft-dollar benefits. It may be possible for the Representative to buy or sell securities in their personal accounts that were also purchased in your account. We have a strict policy against using the trade flow of clients to economically benefit us or the Representative. We monitor transaction of Representative’s accounts to ensure that your interests are placed first. Item 13 – Review of Accounts Accounts are reviewed by our Chief Compliance Officer or their assignee. The frequency of reviews is determined based on the supervisory processes and/or the client investment objectives. Accounts are generally reviewed quarterly, but in any event, no less than annually. More frequent reviews may be triggered by a change in client’s investment objectives; tax considerations; large deposits or withdrawals; large sales or purchases; loss of confidence in corporate management; or changes in the economic climate. Investment advisory clients receive standard account statements from the Custodian, typically monthly. We may also provide clients with a written report summarizing your accounts. There may be a difference between the report provided by Graystone and the statement from the Custodian based on settlement versus trade date accounting, dividends, or accrued interest. It is important that Clients rely on the value as provided by the Custodian for the actual value of their accounts. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 8  Item 14 – Client Referrals & Other Compensation As disclosed under Item 12 Brokerage Practices, we typically recommend LPL as the Custodian. By recommending this Custodian, we receive economic benefits that include the following products and services (provided without cost or at a discount): transition assistance (assistance with client paperwork and various benefits for offsetting or crediting account transfer fees or termination fees from previous custodian); software; receipt of duplicate client statements and confirmations; research related products and tools; consulting services; access to a trading desk serving advisor participants; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to client accounts); the ability to have advisory fees deducted directly from client accounts; access to an electronic communications network for client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers; and discounts on compliance, marketing, research, technology, and practice management products or services provided to us by third party vendors. The Custodian may also have paid for business consulting and professional services received by some of our related persons. Some of the products and services made available by the Custodian may benefit us but may not benefit your account. These products or services may assist us in managing and administering your account, including accounts not maintained at either Custodian. Other services made available by the Custodian are intended to help us manage and further develop our business enterprise. The benefits received by our firm or our personnel through utilization of the Custodian do not depend on the amount of brokerage transactions directed to them. In cases where LPL covers services are provided by a third-party vendor, LPL will either make payment to our firm to cover the cost of such services, reimburse our firm for the cost associated with the services, or pay the third-party vendor directly on behalf of our firm. As part of our fiduciary duties to clients, we always endeavor to put the interests of our clients first. You should be aware, however, that our receipt of economic benefits in and of itself creates a conflict of interest and may indirectly influence our choice to recommend the Custodian for custody or brokerage services. Representatives of our firm received loans from LPL to assist them with succession planning. This presents a conflict of interest for our firm to recommend that Clients maintain their accounts with LPL. To the extent our firm recommends the use of LPL for such services, it is because our firm believes that it is in the Client’s best interest based on the overall benefits like trading execution, benefits of an integrated platform for brokerage and advisory accounts, and other services provided by LPL. Item 15 – Custody As noted in the Investment Advisory Agreement signed by the Client, we do have the ability to deduct our advisory fee directly from Client accounts. Additionally, we are reporting custody on certain accounts where the client has requested the ability to electronically transfer assets to a third-party through a standing limited power of attorney (known as a SLOA). Although we do not have any relationship, affiliation or share an address with any of the third parties, we are following SEC guidelines to report having custody of these assets. Other than these situations, we do not have custody of any client assets. Item 16 – Investment Discretion Clients grant us discretion through a limited power of attorney to select, purchase, or sell securities without obtaining client specific consent within client accounts. Our Advisory Agreement will provide us discretion authority to trade accounts. Item 17 – Voting Your Securities We will not vote on proxies for securities held in client accounts. Clients can contact our office with questions about a particular solicitation by phone at (480) 557-9727. Item 18 – Financial Information We do not have any circumstance that is reasonably likely to impair our ability to meet contractual commitments to clients. We do not require or solicit prepayment of more than $1,200 in fees per client, six months or more in advance. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 9  ADV Part 2B ADV PART 2B Jerry Gray, CFP® Managing Partner Investment Advisor Representative FEBRUARY 24, 2026 Graystone Partners Wealth Management, LLC 1095 West Rio Salado Parkway, Suite 101 Tempe, AZ 85281 (480) 557-9727 info@graystonepartners.net This brochure supplement provides information about Jerry Gray that supplements the Graystone ADV Part 2A. Additional information about Jerry Gray is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #2270560. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 10  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Jerry Gray was born in 1963. He obtained a Bachelor of Science in Communications from Southeast Missouri State University in 1987. He joined LPL Financial in 2003 as a Registered Representative. In 2019, he started Graystone Partners Wealth Management, LLC, where he continues to be a Managing Partner and Investment Advisor Representative. The CFP® designation identifies individuals who have completed the mandatory examination, education, experience, and ethics requirements mandated by the CFP® Board. Candidates must have at least three years of qualifying work experience. CFP® candidates must pass an examination that covers over 100 financial planning topics, which broadly include: investment, financial, retirement, estate and insurance planning, risk management, employee benefits planning, income tax planning. The designation has ongoing ethics requirements and oversight by the CFP® Board and 30 hours every two-years of continuing education. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES Mr. Gray is a registered representative of LPL, member FINRA/SIPC, and licensed insurance agent/broker. He offers products and receives normal and customary commissions as a result of these transactions. A conflict of interest arises as these commissionable securities sales create an incentive to recommend products based on the compensation earned. To mitigate this conflict, Mr. Gray, as a fiduciary, will act in the client’s best interest. ITEM 5 – ADDITIONAL COMPENSATION Mr. Gray received or will receive financial support from LPL in the form of a repayable loan to assist with succession planning. These loan payments are in addition to the production bonuses, stock options and other economic benefits that he is entitled to receive as a registered representative of LPL. Such payments are generally based on the size of the representative’s assets expected to be under custody on the LPL platform. This arrangement creates a conflict of interest for Mr. Gray to recommend clients maintain their accounts with LPL. ITEM 6 – SUPERVISION Tracy Bierworth is the Chief Compliance Officer of Graystone and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day-to-day operations, general management of the firm and compliance related matters. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 11  ADV Part 2B ADV PART 2B Jakeb Bowyer Investment Advisor Representative FEBRUARY 24, 2026 Graystone Partners Wealth Management, LLC 1095 West Rio Salado Parkway, Suite 101 Tempe, AZ 85281 (480) 557-9727 info@graystonepartners.net This brochure supplement provides information about Jakeb Bowyer that supplements the Graystone ADV Part 2A. Additional information about Jakeb Bowyer is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #8041816. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 12  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Jakeb Bowyer was born in 1988. He obtained a Bachelor of Science in Chemistry from Kansas Wesleyan University in 2011. He received a Doctorate of Physical Therapy from Northern Arizona University. He was a Staff Physical Therapist with Banner Physical Therapy from 2020-2023. He was their Multisite Manager from 2023-2025. In 2025 he became an Investment Advisor Representative and joined Graystone Partners Wealth Management, LLC. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES None. ITEM 5 – ADDITIONAL COMPENSATION None. ITEM 6 – SUPERVISION Tracy Bierworth is the Chief Compliance Officer of Graystone and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day-to-day operations, general management of the firm and compliance related matters. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 13  ADV Part 2B ADV PART 2B Robert Dyer Investment Advisor Representative 6355 Ward Road, Suite 214 Arvada, CO 80004 (303) 423-8080 FEBRUARY 24, 2026 Graystone Partners Wealth Management, LLC 1095 West Rio Salado Parkway, Suite 101 Tempe, AZ 85281 (480) 557-9727 info@graystonepartners.net This brochure supplement provides information about Robert Dyer that supplements the Graystone ADV Part 2A. Additional information about Robert Dyer is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #4376918 GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 14  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Robert C. Dyer was born 1948. He obtained a Bachelor of Science in Engineering Geophysics from the Colorado School of Mines in 1971. He obtained his Masters in Public Administration and a Masters in Urban and Regional Planning from the University of Colorado at Denver in 2000. He was a Registered Representative with LPL Financial, LLC from 2007 to 2025 and an Investment Advisor Representative from 2024 to 2025. In 2025 he joined Graystone Partners Wealth Management, LLC as an Investment Advisor Representative. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES Mr. Dyer is a registered representative of LPL, member FINRA/SIPC, and licensed insurance agent/broker. He offers products and receives normal and customary commissions as a result of these transactions. A conflict of interest arises as these commissionable securities sales create an incentive to recommend products based on the compensation earned. To mitigate this conflict, Mr. Dyer, as a fiduciary, will act in the client’s best interest. ITEM 5 – ADDITIONAL COMPENSATION None. ITEM 6 – SUPERVISION Tracy Bierworth is the Chief Compliance Officer of Graystone and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day-to-day operations, general management of the firm and compliance related matters. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC FEBRUARY 24, 2026 | PAGE 15 

Item 1 – Cover Page ADV PART 2A-APPENDIX 1 Wrap Fee Brochure FEBRUARY 24, 2026 Graystone Partners Wealth Management, LLC 1095 West Rio Salado Parkway, Suite 101 Tempe, AZ 85281 (480) 557-9727 info@graystonepartners.net This Wrap Fee Brochure provides information about the qualifications and business practices of Graystone Partners Wealth Management, LLC (“Graystone”). If you have any questions about the contents of this brochure, please contact us at (480) 557-9727. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Graystone is a Registered Investment Adviser. Registration as an Investment Adviser with the SEC does not imply a certain level of skill or training. Additional information about Graystone is available on the SEC’s website at www.adviserinfo.sec.gov, using our CRD#: 306068.  Item 2 – Material Changes SUMMARY OF MATERIAL CHANGES This update is provided further to our last Wrap Fee Brochure dated March 14, 2025. Following the SEC and state rules, we will ensure that clients receive a summary of any materials changes to this and subsequent Brochures within 120 days of the close of the Advisor’s fiscal year. We will provide other ongoing disclosure information about material changes, as necessary. Currently, a free copy of our Brochure may be requested by contacting Graystone at (480) 557-9727. The Brochure is also available on our website www.graystonepartners.net. Item 3 – Table of Contents 0 ITEM 1 – COVER PAGE 1 ITEM 2 – MATERIAL CHANGES 1 ITEM 3 – TABLE OF CONTENTS 2 ITEM 4 – SERVICES, FEES AND COMPENSATION 2 ITEM 5 – ACCOUNT REQUIREMENTS AND TYPES OF CLIENTS 3 ITEM 6 – PORTFOLIO MANAGER SELECTION AND EVALUATION 5 ITEM 7 – CLIENT INFORMATION PROVIDED TO PORTFOLIO MANAGERS 5 ITEM 8 – CLIENT CONTACT WITH PORTFOLIO MANAGERS 6 ITEM 9 – ADDITIONAL INFORMATION GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC - WRAP FEE BROCHURE MARCH 14, 2025 | PAGE 1  Item 4 – Services, Fees and Compensation At Graystone Partners Wealth Management, LLC (“Graystone”) we manage assets for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. As a fiduciary, it is our duty to always act in the client’s best interest. Our firm sponsors and offers a wrap fee program (“Wrap Fee Program”), which allows clients to pay a single fee for investment advisory services and associated custodial transaction costs. Any transaction fees incurred for purchasing investments will be paid by our firm. Because our firm absorbs these transaction fees, an incentive exists to limit trading activities in client accounts. We typically recommend LPL Financial (“LPL”) to be the custodian for client accounts. LPL provides a trading platform where no transaction fees are charged for certain exchange-traded funds or mutual funds (“NTF Funds”). Since we pay the transaction fees charged, we are incentivized to recommend NTF Funds to reduce our costs. This presents a conflict of interest because the NTF Funds do not have a transaction fee, may have higher overall expenses; or returns that are not better than other investments that charge a transaction fee. In addition, other major custodians have eliminated transaction fees for all ETFs and U.S. equities, so clients may pay more for investing in the same securities at LPL. As a fiduciary, we must put the interests of the client in front of our own. WRAP FEE PROGRAM Through our Wrap Fee Program, a portfolio is created, consisting of individual stocks, bonds, exchange traded funds (“ETFs”), options, mutual funds and other public and private securities or investments. Typically, we do not allow restrictions on investments, but any requests to do the same will be handled on a case-by-case basis. Portfolios will be designed to meet a particular investment goal, determined to be suitable to the client’s circumstances. Once the appropriate portfolio has been determined, portfolios are continuously and regularly monitored, and if necessary, rebalanced based upon the client’s individual needs, stated goals and objectives. The maximum annual fee charged for this service will not exceed 2.00%. The fee to be assessed to each account will be detailed in the client’s signed advisory agreement, LPL Account Application or LPL Tiered Fee Authorization form. Our firm bills on cash unless indicated otherwise in writing. Fees are billed on a pro-rata basis quarterly in advance based on the value of the account(s) on the last day of the previous quarter. If accounts are opened during the quarter, the pro-rata advisory fees will be deducted during the next regularly scheduled billing cycle. Fees are negotiable and will be deducted from the account(s). Please note that fees will be adjusted for deposits and withdrawals made during the quarter. If accounts are opened during the quarter, the pro-rata advisory fees will be deducted during the next regularly scheduled billing cycle. In rare cases, our firm will agree to direct bill clients. As part of this process, Clients understand that LPL sill send quarterly statements, fees are authorized to be debited; and that LPL will calculate and debit these fees. OTHER TYPES OF FEES AND EXPENSES In addition to our advisory fees above, clients may also pay charges in holdings imposed by the custodian for certain investments, charges imposed directly by a mutual fund, index fund, or exchange traded fund, which shall be disclosed in the fund’s prospectus (i.e., fund management fees, initial or deferred sales charges, mutual fund sales loads, 12b-1 fees, surrender charges, variable annuity fees, IRA and qualified retirement plan fees, and other fund expenses), mark-ups and mark-downs, spreads paid to market makers, fees for trades executed away from custodian, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. Our firm does not receive a portion of these fees. TERMINATION AND REFUNDS Either party may terminate the signed advisory agreement at any time. If terminated and billed in advance LPL will process a pro-rated refund of the unearned portion of the advisory fees charged in advance at the beginning of the quarter. WRAP FEE PROGRAM RECOMMENTATIONS Our firm recommends our own Wrap Program as well as the Wrap Program Sponsored by LPL. Item 5 – Account Requirements and T ypes of C lients Our firm does not impose requirements for opening and maintaining accounts or otherwise engaging us. Our firm has the following types of clients: Individuals, High Net Worth Individuals, pension and profit-sharing plans, and Charitable Organizations. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC - WRAP FEE BROCHURE MARCH 14, 2025 | PAGE 2  Item 6 – Portfolio Manager Selection and Evaluation SELECTION OF PORTFOLIO MANAGERS Our firm utilizes our in-house portfolio managers as well as a selection of outside portfolio managers. In-house accounts are managed by licensed investment adviser representatives (“IARs”) of our firm. Prior to becoming licensed with our firm, each IARs industry experience, licensure, outside business activities, client complaints (if any), disciplinary or regulatory history (if any) and financial well-being will be reviewed. Outside portfolio managers, either individually or firm-wide, are selected based on past performance, investment philosophy, market outlook, experience of associated portfolio managers and executive team, disciplinary, legal and regulatory histories of the firm and its associates, and/or whether compliance procedures are in place to address at a minimum, insider trading, conflicts of interest, and/or anti-money laundering. Performance returns of wrap portfolios are reviewed at least annually. The nature of these reviews is to learn whether client accounts are in line with their investment objectives and appropriately positioned based on market conditions. If these standards fall below the client objectives, our firm will discuss the review with the portfolio manager for proactive action to realign the investment strategy. ADVISORY BUSINESS Information about our wrap fee services can be found in Item 4 of this brochure. Our firm offers individualized investment advice to our Wrap Fee Program clients. Our firm does not usually allow Wrap Fee Program clients to impose restrictions on investing in certain securities or types of securities due to the level of difficulty this would entail in managing their account. Exceptions will be made on a case- by-case basis. PARTICIPATION IN WRAP FEE PROGRAMS Our firm only offers wrap fee accounts to our clients, which are managed on an individualized or model basis according to the client’s investment objectives, financial goals, risk tolerance, etc. SELECTION OF PORTFOLIO MANAGERS Our firm does not charge performance-based fees. METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS We will use our best judgment as well as client inputs such as risk tolerance, time horizon, objectives/goals, liquidity needs, and suitability factors when choosing investments and constructing portfolios. Our investment philosophy includes Modern Portfolio Theory (“MPT”). MPT states that investments should be selected based on how they interact with one another, rather than how they perform in isolation. When selecting individual investments to be included in a portfolio we will utilize some or all of the following methods: Fundamental, Technical, Cyclical, and Macro and Micro economic analysis. Additionally, we utilize numerous sources of information to provide advice, including but not limited to: financial newspapers and magazines, websites, research materials and software prepared by third parties, annual reports, prospectuses and filings with the SEC, company press reports, as well as our proprietary analysis of data and information. It is important to know that all methods of analysis include specific risks, including timing errors, inaccurate information, economic impacts, and other factors that can impact client investment performance. We may utilize long-term purchases (securities held at least a year) and short-term purchases (securities sold within a year) when implementing Investment Management. Short term purchases may increase costs and may also increase the tax obligation of the portfolio. Investments may also be made on margin, which may increase the costs due to the interest payments on the margin loan balance. Option strategies may also be implemented, which carry the risk of expiration with no value, as well as called equity positions, which could create a risk of taxation. The types of securities include, but are not limited to the following: equities, fixed income (corporate debt, municipal bonds, certificates of deposit, etc.), mutual funds, unit investment trusts, options, exchange traded funds, U.S. Government issues securities, real estate investment trusts, limited partnerships and direct participation programs. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC - WRAP FEE BROCHURE MARCH 14, 2025 | PAGE 3  It is possible that we may invest, or help clients invest in digital assets. Digital assets typically refers to an asset that is issued and/or transferred using distributed ledger or blockchain technology, including, “virtual currencies” (also known as crypto-currencies), “coins”, and “tokens”. We may invest client accounts in and/or advise clients on the purchase or sale of digital assets. This advice or investment may be in actual digital coins/tokens/currencies or via investment vehicles such as exchange traded funds (ETFs) or separately managed accounts (SMAs). The investment characteristics of Digital Assets generally differ from those of traditional securities, currencies. Digital Assets are not backed by a central bank or a national, international organization, any hard assets, human capital, or other form of credit and are relatively new to the market place. Rather, Digital Assets are market-based: a Digital Asset’s value is determined by (and fluctuates often, according to) supply and demand factors, its adoption in the traditional commerce channels, and/or the value that various market participants place on it through their mutual agreement or transactions. The lack of history to these types of investments entail certain unknown risks, are very speculative and are not appropriate for all investors. RISK OF LOSS A client’s investment portfolio is affected by general economic and market conditions, such as interest rates, availability of credit, inflation rates, economic conditions, changes in laws and national and international political circumstances. 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. Graystone will assist Clients in determining an appropriate strategy based on their tolerance for risk. ‐ Financial Planning: Risks associated with the financial planning process include the possibility that the investment performance, interest rates, inflation assumptions, and longevity assumptions used in the development of client’s financial plan turn out to be materially different than the actual future investment performance, interest rate, inflation, and life span. Differences between the assumptions used in the plan and actual events can materially affect the results of the financial plan over long periods of time. While we base our assumptions on historical information, clients must acknowledge that past performance or events might not be indicative of the future returns. Investing: Investing is not without risk and involves the risk of loss of principal which clients should be prepared to bear. We use several strategies to try to reduce risk, including diversifying a portfolio across multiple asset classes. Despite these strategies, every asset class has experienced severe declines in value, sometimes over many years. Asset Class Risk: Securities in client portfolios or in underlying investments such as mutual funds may underperform in comparison to the general securities markets or other asset classes. Issuer Risk: Client account performance depends on the performance of individual securities selected in client accounts. Any issuer may perform poorly or be unable to continue operations, causing the value of its securities to decline or default. Management Risk: The performance of client accounts is subject to the risk that our investment management strategy may not produce the intended results. Market Risk: Client accounts can lose money over short periods due to short-term market movements and over longer periods during market downturns. The value of a security may decline due to general market conditions, economic trends, or events that are not specifically related to the issuer of the security or to factors that affect a particular industry or industries. Passive Investment Risk: We may use a passive investment strategy that is not actively managed where we do not attempt to take defensive positions in declining markets. Liquidity Risk: A security may not be able to be sold at the time desired which can impact performance. Interest Rate Risk: An increase in interest rates may cause the value of fixed income securities and funds that hold these securities to decline in value. Securities with longer durations tend to be more sensitive to interest rate changes, usually making them more volatile than securities with shorter durations. Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as 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. Reinvestment Risk: This is a risk that future proceeds from fixed income investments may have to be reinvested at a potentially lower rate of return (i.e., interest rate). Business Risk: These risks are associated with a particular industry or a particular company within an industry. 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. Credit Risk - refers to the risk that companies or other issuers may fail to pay their debts (including the debt owed to traded funds holders of their bonds). Consequently, this affects individual bond ladders, mutual funds and exchange (ETFs) that hold these bonds. Credit risk is less of a factor in investments including insured bonds or U.S. Treasury Bonds. By contrast, those that invest in the bonds of companies with poor credit ratings generally will be subject to higher risk. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC - WRAP FEE BROCHURE MARCH 14, 2025 | PAGE 4  Prepayment Risk - Issuers may choose to pay off debt earlier than the stated maturity date on a bond. For example, if interest rates fall, a bond issuer may decide to “retire” its debt and issue new bonds that pay a lower rate. When this happens, proceeds from the sale of individual bonds or a bond fund may not be able to be reinvested in an investment with as high a return or yield. Digital Assets - Price Volatility – A principal risk in trading Digital Assets is the potential for rapid and extreme price fluctuation. The value of client portfolios relates in part to the value of the Digital Assets held in the client portfolio and fluctuations in the price of Digital Assets could adversely affect the value of a client’s portfolio. The price of Digital Assets achieved by a client may be affected generally by a wide variety of complex factors such as supply and demand; availability and access to Digital Asset service providers (such as payment processors), exchanges, miners or other Digital Asset users and participants; perceived or actual security vulnerability; and traditional risk factors including inflation levels; fiscal policy; interest rates; and political, natural and economic events. Digital Asset - Service Providers Risk - Service providers that support Digital Assets and the Digital Asset marketplace(s) may not be subject to the same regulatory and professional oversight as traditional securities service providers. Further, there is no assurance that the availability of and access to virtual currency service providers will not be negatively affected by government regulation or supply and demand of Digital Assets. Accordingly, companies or financial institutions that currently support virtual currency may not do so in the future. Digital Assets - Custody Risk - Under the Advisers Act, SEC registered investment advisers are required to hold securities with “qualified custodians,” among other requirements. Certain Digital Assets may be deemed to be securities. Many Digital Assets do not currently fall under the SEC definition of security and therefore many of the companies providing Digital Assets custodial services fall outside of the SEC’s definition of “qualified custodian”. Accordingly, clients seeking to purchase actual digital coins/tokens/currencies may need to use nonqualified custodians to hold all or a portion of their Digital Assets. Government Oversight of Digital Assets Risk: Regulatory agencies and/or the firms responsible for oversight of Digital Assets or a Digital Asset network may not be fully developed and subject to change. Regulators may adopt laws, regulations, policies or rules directly or indirectly affecting Digital Assets their treatment, transacting, custody, and valuation. Item 7 – Client Information Provided to Portfolio Managers For accounts managed by our in-house licensed IARs, the IAR selected to manage the client’s account(s) or portfolio(s) will be privy to the client’s investment goals and objectives, risk tolerance, restrictions placed on the management of the account(s) or portfolio(s) and relevant client notes taken by our firm. Please see our firm’s Privacy Policy for more information on how our firm utilizes client information. For accounts managed by outside portfolio managers, our firm communicates with your portfolio manager(s) on a regular basis as needed to ensure your most current investment goals and objectives are understood by your portfolio manager(s). In most cases, our firm will communicate such information as part of our regular investment management duties. Nevertheless, our firm will also communicate information to your portfolio manager(s) when you ask us to, when market or economic conditions make it prudent to do so, etc. Item 8 – Client Contact with P ortfolio Managers Any questions or concerns about the management of client portfolios shall be directed to our firm. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC - WRAP FEE BROCHURE MARCH 14, 2025 | PAGE 5  Item 9 – Additional Information DISCIPLINARY INFORMATION We do not have any legal, financial or other “disciplinary” items to report. OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATION Representatives of our firm are Registered Persons, which means they are registered representatives of LPL. LPL is a broker-dealer that is independently owned and operated and is not affiliated with our firm. For more information on this relationship, please refer to our ADV Part 2A which is available upon request. Representatives of our firm are insurance agents/brokers. They offer insurance products and receive customary fees as a result of insurance sales. A conflict of interest exists as these insurance sales create an incentive to recommend products based on the compensation the Representative may earn in their capacity as an insurance agent. To mitigate this potential conflict, our firm will act in the client’s best interest. CODE OF ETHICS We have implemented policies and procedures to govern our employees and to mitigate the conflicts of interest we encounter when providing our advisory services to clients. These include: • A Code of Ethics that each employee is required to review and sign an acknowledgement of receipt and understanding (upon hire, and annually); • Prohibitions on the misuse of material non-public information; • Personal securities trading policies and procedures (governing not only our employee but also the members of their household and any other securities or brokerage accounts where they have beneficial ownership of with a spouse, family member or other person). Employees are not allowed to: “Front-run” or trade in anticipation of client transactions. o Trade on inside information. o o Trade or participate in any activity prohibited under the federal securities laws. o Place their interests in front of clients. We strive to achieve the highest ethical and fiduciary standards (in dealing with Clients, the public, vendors, prospective clients, and each other). As a fiduciary, we have an affirmative duty to act with integrity, competence, and care; this includes disclosing all potential and actual conflicts of interest. It may be possible for the Representative to buy or sell securities in their personal accounts that were also purchased in client accounts. We have a strict policy against using the trade flow of clients to economically benefit our firm or Representatives and we monitor the transactions of Representative’s accounts to ensure that client interests are placed first. We provide services for various other clients. We may give advice or take actions for our clients that differ from the advice given to other clients. The timing or nature of any action taken for all clients or other sponsors may also vary. For more information or to request a copy of our Code of Ethics, please contact us at (480) 557-9727. REVIEW OF ACCOUNTS Accounts are reviewed by our Chief Compliance Officer or their assignee. The frequency of reviews is determined based on the supervisory processes and/or the client investment objectives. Accounts are generally reviewed quarterly, but in any event, no less than annually. More frequent reviews may be triggered by a change in client’s investment objectives; tax considerations; large deposits or withdrawals; large sales or purchases; loss of confidence in corporate management; or changes in the economic climate. Investment advisory clients receive standard account statements from the Custodian, typically monthly. We may also provide clients with a written report summarizing your accounts. There may be a difference between the report provided by Graystone and the statement from the Custodian based on settlement versus trade date accounting, dividends, or accrued interest. It is important that Clients rely on the value as provided by the Custodian for the actual value of their accounts. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC - WRAP FEE BROCHURE MARCH 14, 2025 | PAGE 6  CLIENT REFERRALS AND OTHER COMPENSATION We typically recommend LPL as the Custodian. By recommending LPL, we receive economic benefits that include the following products and services (provided without cost or at a discount): transition assistance (assistance with client paperwork and various benefits for offsetting or crediting account transfer fees or termination fees from previous custodian); software; receipt of duplicate client statements and confirmations; research related products and tools; consulting services; access to a trading desk serving advisor participants; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to client accounts); the ability to have advisory fees deducted directly from client accounts; access to an electronic communications network for client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers; and discounts on compliance, marketing, research, technology, and practice management products or services provided to us by third party vendors. The Custodian may also have paid for business consulting and professional services received by some of our related persons. Some of the products and services made available by the Custodian may benefit us but may not benefit your account. These products or services may assist us in managing and administering your account, including accounts not maintained at either Custodian. Other services made available by the Custodian are intended to help us manage and further develop our business enterprise. The benefits received by our firm or our personnel through utilization of the Custodian do not depend on the amount of brokerage transactions directed to them. In cases where LPL covers services are provided by a third-party vendor, LPL will either make a payment to our firm to cover the cost of such services, reimburse our firm for the cost associated with the services, or pay the third-party vendor directly on behalf of our firm. As part of our fiduciary duties to clients, we always endeavor to put the interests of our clients first. You should be aware, however, that our receipt of economic benefits in and of itself creates a conflict of interest and may indirectly influence our choice to recommend the Custodian for custody or brokerage services. Representatives of our firm received loans from LPL to assist them with succession planning. This presents a conflict of interest for our firm to recommend that Clients maintain their accounts with LPL. To the extent our firm recommends the use of LPL for such services, it is because our firm believes that it is in the Client’s best interest to do so based on the quality and pricing of the execution, benefits of an integrated platform for brokerage and advisory accounts, and other services provided by LPL. FINANCIAL INFORMATION We do not have any circumstance that is reasonably likely to impair our ability to meet contractual commitments to clients. We do not require or solicit prepayment of more than $1,200 in fees per client, six months or more in advance. GRAYSTONE PARTNERS WEALTH MANAGEMENT, LLC - WRAP FEE BROCHURE MARCH 14, 2025 | PAGE 7