MARKET STREET WEALTH MANAGEMENT ADVISORS, LLC

Part 2A of SEC Form ADV: Firm Brochure Market Street Wealth Management Advisors, LLC 3105 E 98th Street Suite 170 Indianapolis, IN 46280 Telephone: 317-552-0505 Email: KatieF@mswma.com Website: https://www.MSWMA.com/ October 6, 2025 This Firm Brochure (“Brochure”) provides information about the qualifications and business practices of Market Street Wealth Management Advisors, LLC. If you have any questions about the contents of this brochure, please contact us at telephone number 317-870-1379 or e-mail KatieF@mswma.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. is available on the SEC’s website Additional information about Market Street Wealth Management Advisors, LLC ( SEC#:801-62577) at www.adviserinfo.sec.gov. You can search this site by a unique identifying number, known as a CRD number. Our firm’s CRD number is 122212. 1  Item 2 Material Changes This Item will be used to provide our clients with a summary of new and/or updated information. We will inform you of the revision(s) based on the nature of the updated information. Since the last annual amendment filed on March 16, 2025, certain non-material changes have been made at Items 4 and 5 to enhance disclosure regarding our advisory business, including a change in our fee schedule and minimum fees. Item 12 has been revised to enhance disclosure regarding custodian recommendations. ANY QUESTIONS: Market Street Wealth Management Advisors, LLC’s Chief Compliance Officer, Katie Jo Fischer, remains available to address any questions regarding this Part 2A, including the disclosure additions and enhancements below. Consistent with the new rules, we will ensure that you receive a summary of any material changes to this and subsequent Brochures within 120 days of the close of our business’ fiscal year. Furthermore, we will provide you with other interim disclosures about material changes as necessary. Other information not specified in this summary has been revised since our most recent filing. Consequently, we encourage you to read this Brochure in its entirety. 2  Item 3 Table of Contents Page Item 1 Cover Page 1 Item 2 Material Changes 2 Item 3 Table of Contents Page 3 Item 4 Advisory Business 4 Item 5 Fees and Compensation 13 Item 6 Performance-Based Fees and Side-By-Side Management 16 Item 7 Types of Clients 16 Item 8 Methods of Analysis, Investment Strategies and Risk of Loss 17 Item 9 Disciplinary Information 19 Item 10 Other Financial Industry Activities and Affiliations 19 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading 20 Item 12 Brokerage Practices 21 Item 13 Review of Accounts 22 Item 14 Client Referrals and Other Compensation 23 Item 15 Custody 24 Item 16 Investment Discretion 25 Item 17 Voting Client Securities 25 Item 18 Financial Information 25 3  Item 4 Advisory Business Market Street Wealth Management Advisors, LLC (or “Market Street”) is a SEC-registered investment adviser with its principal place of business located in Indiana. Market Street Wealth Management Advisors, LLC began conducting business in 2001. Listed below are the firm’s principal shareholders (i.e., those individuals and/or entities controlling 25% or more of this company).  Jessica Bokhart, Senior Financial Planner  Kyle Thompson, Senior Financial Planner. The client can engage Market Street Wealth Management Advisors, LLC to provide discretionary investment management, financial planning services, and/or retirement plan consulting services (see discussions below). Before engaging Market Street Wealth Management Advisors, LLC to provide investment advisory services, clients are required to enter into an agreement with Market Street Wealth Management Advisors, LLC setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the fees that a client will incur (see fee schedule at Item 5 below). Market Street Wealth Management Advisors, LLC provides investment advisory services specific to the needs of each client. Before providing investment advisory services, Market Street Wealth Management Advisors, LLC will ascertain the client’s investment objective(s). Market Street Wealth Management Advisors, LLC will then allocate the portfolio consistent with the designated investment objective(s). Market Street believes that financial planning is very important for individual and family clients. To the extent engaged to do so by an individual or family client, Market Street Wealth Management Advisors, LLC will generally provide financial planning and consulting services as part of its investment management fee as set forth at Item 5 below. See Limitations of Financial Planning below. Please Note: Standalone Investment Management and Pension Consulting clients do not receive financial planning services. For individual retail (i.e., non-institutional) clients, Market Street’s annual investment advisory fee shall generally (exceptions can occur-see below) include investment advisory services, and, to the extent specifically requested by the client, financial planning and consulting services. In the event that the client requires extraordinary planning and/or consultation services (to be determined in the sole discretion of Market Street), Market Street may determine to charge for such additional services, the dollar amount of which shall be set forth in a separate written notice to the client. SERVICE OFFERINGS: Market Street Wealth Management Advisors, LLC offers the following services per the fee schedules disclosed at Item 5 below:  Wealth Management; The client can engage Market Street Wealth Management Advisors, LLC to provide discretionary investment advisory services on a fee only basis. Market Street Wealth Management Advisors, LLC’s annual investment advisory fee is 4  based upon a percentage (%) of the market value of the assets placed under Market Street Wealth Management Advisors, LLC’s management. Before engaging Market Street Wealth Management Advisors, LLC to provide Wealth Management services, clients are required to enter into a Wealth Management Advisory Agreement with Market Street Wealth Management Advisors, LLC setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client. Market Street Wealth Management Advisors, LLC’s annual Wealth Management fee shall include discretionary investment advisory services and, to the extent specifically requested by a client, a broad array of financial planning and consulting services. In the event that the client requires extraordinary planning and/or consultation services (to be determined in the sole discretion of Market Street Wealth Management Advisors, LLC), Market Street Wealth Management Advisors, LLC may determine to charge for such additional services, as discussed in the Fee Differentials disclosures below. To commence the investment advisory process, an investment adviser representative will first ascertain each client’s investment objectives and then allocate and/or recommend that the client allocate investment assets consistent with the designated investment objectives. Once allocated, Market Street Wealth Management Advisors, LLC provides ongoing monitoring and review of account performance and asset allocation as compared to client investment objectives, and may rebalance and/or may recommend that clients rebalance accounts as necessary based on such reviews.  Investment Management without Planning (Standalone): The client can also choose to engage Market Street Wealth Management Advisors, LLC to provide standalone discretionary investment advisory services. Market Street Wealth Management Advisors, LLC’s annual investment advisory fee is based upon a percentage (%) of the market value of the assets placed under Market Street Wealth Management Advisors, LLC’s management. Before engaging Market Street Wealth Management Advisors, LLC to provide investment advisory services, clients are required to enter into an Investment Management Advisory Agreement with Market Street Wealth Management Advisors, LLC setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client.  ERISA Plans and Retirement Plan Consulting Engagements: We may be engaged to provide investment advisory services to ERISA retirement plans, whereby the Firm shall manage Plan assets consistent with the investment objective designated by the Plan sponsor. In such engagements, the Firm will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). The Firm will generally provide services on an “assets under management” fee basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the Firm. We may also provide investment advisory services to participant directed retirement plans per the terms and conditions of a Retirement Plan Services Agreement between us and the plan. For such engagements, we shall assist the Plan 5  with the selection of an investment platform from which Plan participants shall make their respective investment choices, and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision-making process.  Foundations Program: Clients with less than $250,000 in investible assets can engage Market Street Wealth Management Advisors, LLC for its Foundations program, which includes discretionary investment advisory services and limited scope financial planning. Market Street Wealth Management Advisors, LLC’s annual fee for the Foundations program is based upon a percentage (%) of the market value of the assets under Market Street Wealth Management Advisors, LLC’s management. Before engaging Market Street Wealth Management Advisors, LLC to provide Foundations services, clients are required to enter into a Foundations Advisory Agreement with Market Street Wealth Management Advisors, LLC setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client. Market Street Wealth Management Advisors, LLC’s annual Foundations fee shall include discretionary investment advisory services and, to the extent specifically requested by a client, limited scope financial planning and consulting services. Clients will remain eligible for Market Street Wealth Management Advisors, LLC’s Foundations service for 4 years if they meet certain age and income requirements as outlined in a Foundations Advisory Agreement, or until their assets exceed $307,692 and/or their financial planning needs exceed the scope of services available under the Foundations program. Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. Market Street offers to provide financial planning services. To the extent engaged by a client, in writing, to do so, Market Street Wealth Management Advisors, LLC shall generally provide financial planning and related consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. inclusive of its investment management fee at Item 5 below. Please Note: We do not serve as an attorney, accountant, or insurance agency, and no portion of our services should be construed as same. Accordingly, we do not prepare estate planning documents, tax returns or sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for certain non-investment implementation purposes. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation that we make. Please Note: If the client engages any unaffiliated recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional[s] (i.e. attorney, accountant, insurance agent, etc.), and not Market Street, shall be responsible for the quality and competency of the services provided. If the client engages any unaffiliated professional, and a dispute arises thereafter relative to such engagement, the engaged professional (and not Market Street) shall remain exclusively responsible for resolving any such dispute with the client. 6  Retirement Rollovers – Potential for Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted,(ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Market Street Wealth Management Advisors, LLC recommends that a client roll over their retirement plan assets into an account to be managed by Market Street Wealth Management Advisors, LLC, such a recommendation creates a conflict of interest if Market Street Wealth Management Advisors, LLC will earn an advisory fee on the rolled over assets. No client is under any obligation to rollover retirement plan assets to an account managed by Market Street Wealth Management Advisors, LLC, whether it is from an employer’s plan or an existing IRA. If Market Street provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), Market Street is acting as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. Market Street Wealth Management Advisors, LLC’s Chief Compliance Officer, Katie Jo Fischer, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Please Note – Use of Mutual Funds and Exchange Traded Funds (“ETFs”) : Most mutual funds and ETFs are available directly to the public. Thus, a prospective client can obtain many of the mutual funds and ETFs that may be recommended and/or utilized by Market Street Wealth Management Advisors, LLC independent of engaging Market Street Wealth Management Advisors, LLC as an investment advisor. However, if a prospective client determines to do so, he/she will not receive Market Street Wealth Management Advisors, LLC’s initial and ongoing investment advisory services. Please Also Note – Use of DFA Mutual Funds/ETFs: As indicated above, most mutual funds are available directly to the public, without need to engage an investment professional. Other mutual funds/ETFs, such as those issued by Dimensional Fund Advisors (“DFA”), are generally only available through registered investment advisers. Market Street Wealth Management Advisors, LLC utilizes DFA mutual funds and ETFs. Thus, if the client was to terminate Market Street Wealth Management Advisors, LLC’s services, restrictions regarding transferability and/or additional purchases of, or reallocation among, DFA funds will apply. Separate Fees: All mutual funds (and exchange traded funds) impose fees at the fund level (e.g. management fees and other fund expenses). All mutual fund fees are separate from, and in addition to, Market Street Wealth Management Advisors, LLC’s wealth management fee as described at Item 5 below. Market Street Wealth Management Advisors, LLC’s Chief Compliance Officer, Katie Jo Fischer, remains available to address any questions that a client or prospective client may have regarding the above. Borrowing Against Assets/Risks. A client who has a need to borrow money could 7  by taking the loan rather than liquidating assets in the client’s account, Market Street if the client invests any portion of the loan proceeds in an account to be managed by if Market Street’s advisory fee is based upon the higher margined account value (see determine to do so by using: • Margin-The account custodian or broker-dealer lends money to the client. The custodian charges the client interest for the right to borrow money, and uses the assets in the client’s brokerage account as collateral; and, • Pledged Assets Loan- In consideration for a lender (i.e., a bank, etc.) to make a loan to the client, the client pledges its investment assets held at the account custodian as collateral; These above-described collateralized loans are generally utilized because they typically provide more favorable interest rates than standard commercial loans. These types of collateralized loans can assist with a pending home purchase, permit the retirement of more expensive debt, or enable borrowing in lieu of liquidating existing account positions and incurring capital gains taxes. However, such loans are not without potential material risk to the client’s investment assets. The lender (i.e. custodian, bank, etc.) will have recourse against the client’s investment assets in the event of loan default or if the assets fall below a certain level. For this reason, Market Street does not recommend such borrowing unless it is for specific short-term purposes (i.e. a bridge loan to purchase a new residence).Market Street does not recommend such borrowing for investment purposes (i.e. to invest borrowed funds in the market). Regardless, if the client was to determine to utilize margin or a pledged assets loan, the following economic benefits would inure to Market Street: • continues to earn a fee on such Account assets; and, • Market Street, Market Street will receive an advisory fee on the invested amount; and, • margin disclosure at Item 5 below), Market Street will earn a correspondingly higher advisory fee. This could provide Market Street with a disincentive to encourage the client to discontinue the use of margin. Fee Dispersion. Market Street, in its discretion, may charge a lesser or higher investment advisory fee, charge a flat fee, waive applicable minimum asset or minimum fee levels, waive its fee entirely, or charge fee on a different interval, based upon certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, complexity of the engagement, anticipated services to be rendered, grandfathered fee schedules, employees and family members, courtesy accounts, referrals from existing clients, competition, negotiations with client, etc.). Please Note: As result of the above, similarly situated clients could pay different fees. In addition, similar advisory services may be available from other investment advisers for similar or lower fees. Account Aggregation Platforms: Market Street may provide its clients with access to one or more online account aggregation platform (the “Platforms”). The Platforms allow a client to view their complete asset allocation, including those assets that Market Street does not manage (the “Excluded Assets”). Market Street does not provide investment management, monitoring, or implementation services for the Excluded Assets. Unless otherwise specifically agreed to, in writing, Market Street’s service relative to the Excluded Assets is limited to reporting only. Therefore, Market Street shall not be responsible for the investment 8  performance of the Excluded Assets. Rather, the client and/or their adviser(s) that maintain management authority for the Excluded Assets, and not Market Street, shall be exclusively responsible for such investment performance. Without limiting the above, Market Street shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. The client may choose to engage Market Street to manage some or all of the Excluded Assets pursuant to the terms and conditions of an Investment Advisory Agreement between Market Street and the client. Certain of these Platforms also provide access to other types of information and applications including financial planning concepts and functionality, which should not, in any manner whatsoever, be construed as services, advice, or recommendations provided by Market Street. Finally, Market Street shall not be held responsible for any adverse results a client may experience if the client engages in financial planning or other functions available on the Platforms without Market Street’s assistance or oversight. ‐ Custodian Charges-Additional Fees. As discussed below at Item 12 below, when requested to recommend a broker-dealer/custodian for client accounts, Market Street generally recommends that Charles Schwab and Co., Inc. (“Schwab”) serve as the broker- dealer/custodian for client investment management assets. Broker-dealers such as Schwab charge brokerage commissions, transaction, and/or other type fees for effecting certain types of securities transactions (i.e., including transaction fees for certain mutual funds, dealer spreads and mark-ups and mark-downs charged for fixed income transactions, etc.). The types of securities for which transaction fees, commissions, and/or other type fees (as well as the amount of those fees) shall differ depending upon the broker-dealer/custodian (while certain custodians, including Schwab, do not currently charge fees on individual equity transactions (including ETFs, others do). There can be no assurance that Schwab will not change its transaction fee pricing in the future. When beneficial to the client, individual fixed dealers with whom Market income and/or equity transactions may be effected through broker ‐ Street and/or the client have entered into arrangements for prime brokerage clearing services, including effecting certain client transactions through other SEC registered and FINRA dealers (in which event, the client generally will incur both the transaction fee member broker charged by the executing broker dealer and a “trade-away” fee charged by Schwab). These ‐ fees/charges are in addition to Market Street’s investment advisory fee at Item 5 below. ‐ Market Street does not receive any portion of these fees/charges. Portfolio Activity. Market Street has a fiduciary duty to provide services consistent with the client’s best interest. Market Street will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, market conditions, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Market Street determines that changes to a client’s portfolio are neither necessary, nor prudent. Clients remain subject to the fees described in Item 5 below during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by the Market Street will be profitable or equal any specific performance level(s). 9  Please Note: Cash Positions. Market Street continues to treat cash as an asset class. As such, unless determined to the contrary by Market Street, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Market Street’s advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Market Street may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Market Street’s advisory fee could exceed the interest paid by the client’s money market fund. ANY QUESTIONS: Market Street’s Chief Compliance Office remains available to address any questions that a client or prospective may have regarding the above fee billing practice. involves the Please Note: Socially Responsible Investing Limitations. Socially Responsible Investing incorporation of Environmental, Social and Governance considerations into the investment due diligence process (“ESG). There are potential limitations associated with allocating a portion of an investment portfolio in ESG securities (i.e., securities that have a mandate to avoid, when possible, investments in such products as alcohol, tobacco, firearms, oil drilling, gambling, etc.). The number of these securities may be limited when compared to those that do not maintain such a mandate. ESG securities could underperform broad market indices. Investors must accept these limitations, including potential for underperformance. Correspondingly, the number of ESG mutual funds and exchange traded funds are few when compared to those that do not maintain such a mandate. As with any type of investment (including any investment and/or investment strategies recommended and/or undertaken by Market Street), there can be no assurance that investment in ESG securities or funds will be profitable, or prove successful. ESG criteria may be applied to a portfolio at the client’s request. Market Street does not maintain or offer ESG portfolios. Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion, Market Street shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund (or other type security) available on the custodian’s platform, unless Market Street reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account Please Note: The above does not apply to the cash component maintained within the Market Street’s actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a 10  need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any of the Market Street’s unmanaged accounts. Cybersecurity Risk. The information technology systems and networks that Market Street and its third-party service providers use to provide services to Market Street’s clients employ various controls that are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Market Street’s operations and/or result in the unauthorized acquisition or use of clients’ confidential or non- public personal information. In accordance with Regulation S-P, the Market Street is committed to protecting the privacy and security of its clients' non-public personal information by implementing appropriate administrative, technical, and physical safeguards. Market Street has established processes to mitigate the risks of cybersecurity incidents, including the requirement to restrict access to such sensitive data and to monitor its systems for potential breaches. Clients and Market Street are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur financial losses and/or other adverse consequences. Although the Market Street has established processes to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that the Market Street does not control the cybersecurity measures and policies employed by third-party service providers, issuers of securities, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchanges, and other financial market operators and providers. In compliance with Regulation S-P, the Market Street will notify clients in the event of a data breach involving their non-public personal information as required by applicable state and federal laws. hold other securities and/or own accounts for which Market Street does not maintain Other Assets. A client may: • hold securities that were purchased at the request of the client or acquired prior to the client’s engagement of Market Street. Generally, with potential exceptions, Market Street does not/would not recommend nor follow such securities, and absent mitigating tax consequences or client direction to the contrary, would prefer to liquidate such securities. Please Note: If/when liquidated, it should not be assumed that the replacement securities purchased by Market Street will outperform the liquidated positions. To the contrary, different types of investments involve varying degrees of risk, and there can be no assurance that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Market Street) will be profitable or equal any specific performance level(s)In addition, there may be other securities and/or accounts owned by the client for which Market Street does not maintain custodian access and/or trading authority; and, • custodian access and/or trading authority. Corresponding Services/Fees: When agreed to by Market Street Market Street shall: (1) remain available to discuss these securities/accounts on an ongoing basis at the request of 11  the client; (2) monitor these securities/accounts on a regular basis, including, where applicable, rebalancing with client consent;(3) shall generally consider these securities as part of the client’s overall asset allocation; and, (4) report on such securities/accounts as part of regular reports that may be provided by Market Street Wealth Management Advisors; and, (5) include the market value of all such securities for purposes of calculating advisory fee. Vanguard Personalized Indexing Management service. Market Street Wealth Management Advisors has engaged Vanguard’s Personalized Indexing Management service to provide Sub-Advisory Services to, and delegate to, Vanguard Personalized Indexing Management discretionary trading authority over, pursuant to its explicit power to do so granted to it by its Clients, each Investor Account, according to the terms of a signed contractual agreement. This program is made available to certain Market Street Wealth Management Advisors clients, where the firm has determined that such clients may benefit from the Vanguard service. Vanguard Personalized Indexing Management provides Sub- Advisory Services specified in our agreement with that sub-advisor. Market Street Wealth Management Advisors is independent of and not owned by, affiliated with, or sponsored or supervised by Vanguard Personalized Indexing Management or their affiliates. Market Street Wealth Management Advisors, and not Vanguard Personalized Indexing Management, serves as the client’s investment advisor and primary point of contact with respect to the program. However, as the Sub-Advisor, Vanguard Personalized Indexing Management will execute the investment strategy and portfolio determined by Market Street Wealth Management Advisors for the client’s investment needs and goals and manage that portfolio on an ongoing basis. Vanguard Personalized Indexing Management maintained procedures intended to protect Customer Data and maintain Customer privacy according to the Vanguard Personalized Indexing Management Privacy Policy. Pontera. Market Street Wealth Management Advisors uses Pontera, a third party platform to facilitate the management of held away assets such as 401(k)s, 403(b)s, annuities, and 529 education savings plans, defined contribution plan participant accounts, with discretion and as an order management system for such accounts. Those clients who choose to engage Market Street Wealth Management Advisors to service their held away accounts will be provided a link to connect their outside accounts to the platform. Once the client’s account(s) is connected to the platform, Market Street Wealth Management Advisors will review the client’s current account allocations. Market Street Wealth Management Advisors will rebalance the connected outside accounts consistent with the client’s investment goals and risk tolerance. Client account(s) will be reviewed at least quarterly. To facilitate use of the Pontera platform, the client securely logs into the Pontera site and entitles Market Street Wealth Management Advisors to manage the assets. Pontera charges Market Street Wealth Management Advisors. Clients do not pay any additional fee to Pontera or to Market Street Wealth Management Advisors in connection with platform participation, Market Street Wealth Management Advisors pays Pontera an annual fee based upon the percentage of assets managed through the held away accounts. Market Street Wealth Management Advisors is not affiliated with the Pontera platform in any way and receives no compensation from them for using their platform. 12  ByAllAccounts Client Access. In conjunction with the services provided by ByAllAccounts, Market Street Wealth Management Advisors may also provide periodic comprehensive reporting services, which can incorporate all of the client’s investment assets including those investment assets that are not part of the assets managed by Market Street Wealth Management Advisors (the “Excluded Assets”). Market Street Wealth Management Advisors’ service relative to the Excluded Assets is limited to reporting services only, which does not include investment implementation. Because Market Street Wealth Management Advisors does not have trading authority for the Excluded Assets, to the extent applicable to the nature of the Excluded Assets (assets over which the client maintains trading authority vs. trading authority designated to another investment professional), the client (and/or the other investment professional), and not Market Street Wealth Management Advisors, shall be exclusively responsible for directly implementing any recommendations relative to the Excluded Assets. The client and/or their other advisors that maintain trading authority, and not Market Street Wealth Management Advisors, shall be exclusively responsible for the investment performance of the Excluded Assets. Without limiting the above, Market Street Wealth Management Advisors shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. In the event the client desires that Market Street Wealth Management Advisors provide investment management services with respect to the Excluded Assets, the client may engage Market Street Wealth Management Advisors to do so pursuant to the terms and conditions of the Investment Advisory Agreement between Market Street Wealth Management Advisors and the client. financial situation or investment objectives for Client Obligations. In performing our services, Market Street Wealth Management Advisors, LLC shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify us if there is ever any change in his/her/its the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Market Street Wealth Management Advisors, LLC) will be profitable or equal any specific performance level(s). Disclosure Statement. A copy of our written Brochure and Client Relationship Summary, as set forth on Part 2 of Form ADV and Form CRS respectively, shall be provided to each client prior to the execution of any advisory agreement. AMOUNT OF MANAGED ASSETS As of 12/31/2024, we were actively managing $711,344,137 of clients’ assets. $709,245,202 is managed on a discretionary basis and $2,098,935 is managed on a non- discretionary basis. 13  Item 5 Fees and Compensation WEALTH MANAGEMENT FEES The annualized fee for Wealth Management services is generally charged as a percentage of assets under management, billed quarterly in arrears, according to the following schedule: PORTFOLIO ASSETS Up to and including $500,000 In excess of $500,000 and including $1,000,000 In excess of $1,000,000 and including $5,000,000 In excess of $5,000,000 and including $10,000,000 In excess of $10,000,000 and including $25,000,000 In excess of $25,000,000 ANNUAL % FEE 1.30% 0.80% 0.65% 0.45% 0.35% Negotiable After the initial billing period, all clients are subject to a minimum quarterly fee of $1,625.00. Certain clients may be subject to a legacy fee schedule that is no longer available to new or prospective clients. Subject to the limitations discussed at Item 4, the above fee schedule is inclusive of financial planning services requested by the client. Please Note: In the unanticipated event that the client requires extraordinary planning or consultation services, Market Street Wealth Management Advisors, LLC may determine to charge a client for such additional services pursuant to a stand- alone written agreement. Please Note that we will make pro-rata fee adjustments based upon the number of days remaining in the billing period for any additions or withdrawals to managed accounts in excess of $3,000. INVESTMENT MANAGEMENT WITHOUT PLANNING (STANDALONE) Clients who elect to receive our investment management services but who do not require financial planning will receive a 30% discount from the above Wealth Management Fee schedule. The advisory fee will be subject to the following schedule: PORTFOLIO ASSETS Up to and including $500,000 In excess of $500,000 and including $1,000,000 In excess of $1,000,000 and including $5,000,000 In excess of $5,000,000 and including $10,000,000 In excess of $10,000,000 and including $25,000,000 In excess of $25,000,000 ANNUAL % FEE 0.91% 0.56% 0.45% 0.32% 0.25% Negotiable After the initial billing period, all clients are subject to a minimum quarterly fee of $900. 14  ERISA PLANS AND RETIREMENT PLAN CONSULTING Our annual fees for Pension Consulting Services are based on a percentage of assets under advisement, billed quarterly in arrears, according to the following schedule: Plan’s Balances at end of Applicable Quarter Applicable Annual Fee Up to and including $1,000,000 In excess of $1,000,000 and including, $2,000,000 In Excess of $2,000,000 0.75% 0.50% 0.25% The minimum annual fee is $2,500.00. FOUNDATIONS SERVICE FEES The annual fee for the Foundations services is as subject to the following fee schedule: PORTFOLIO ASSETS Up to and including $500,000 In excess of $500,000 and including $1,000,000 In excess of $1,000,000 and including $5,000,000 In excess of $5,000,000 and including $10,000,000 In excess of $10,000,000 and including $25,000,000 In excess of $25,000,000 ANNUAL % FEE 1.30% 0.80% 0.65% 0.45% 0.35% Negotiable This annual advisory fee is payable quarterly in arrears and subject to a minimum $4,000 annual advisory fee. The advisory fee will be deducted quarterly in arrears from a brokerage account to be identified by the Client. The services to be provided and the above referenced fee schedule shall be subject to renegotiation after the initial 4-year period of the engagement. If there is no renegotiation after the initial 4-year period, the above fee schedule shall remain in effect. Any renegotiated fee schedule will be provided to the Client for written acknowledgment prior to implementation. FINANCIAL PLANNING FEES Market Street Wealth Management Advisors, LLC’s Financial Planning fixed fee is determined based on the nature of the services being provided and the complexity of each client’s circumstances. All fees are agreed upon prior to entering into a contract with any client. We may request a retainer upon completion of our initial fact-finding session with the client; however, advance payment will never exceed $1,200 for work that will not be completed within six months. The balance is due upon completion of the plan. Financial Planning Fee Offset: Market Street Wealth Management Advisors, LLC reserves the discretion to reduce or waive the minimum fixed fee if a financial planning client chooses to engage us for our Investment Management Services. 15  Vanguard Personalized Indexing Program Clients who participate in the Vanguard program will pay an additional 0.20% advisory fee directly to Vanguard, in addition to their regular Market Street Wealth Management Advisors, LLC advisory fee, for program participation. GENERAL INFORMATION Fee Differentials: Market Street Wealth Management Advisors, LLC’s annual investment advisory fee shall be based upon various objective and subjective factors, including but not limited to: the amount of the assets placed under Market Street Wealth Management Advisors, LLC’s direct management, the complexity of the engagement, and the level and scope of the overall investment advisory services to be rendered. Before engaging Market Street Wealth Management Advisors, LLC to provide investment advisory services, clients are required to enter into an Investment Advisory Agreement, setting forth the terms and conditions of the engagement (including termination), which describes the fees and services to be provided. Mutual Fund Fees: All fees paid to Market Street Wealth Management Advisors, LLC for investment advisory services are separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to their shareholders. These fees and expenses are described in each fund’s prospectus. These fees will generally include a management fee, other fund expenses, and a possible distribution fee. A client could invest in a mutual fund directly, without our services. In that case, the client would not receive the services provided by our firm which are designed, among other things, to assist the client in determining which mutual fund or funds are most appropriate to each client’s financial condition and objectives. Accordingly, the client should review both the fees charged by the funds and our fees to fully understand the total amount of fees to be paid by the client and to thereby evaluate the advisory services being provided. Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees and expenses charged by custodians and imposed by broker dealers, including, but not limited to, any transaction charges imposed by a broker dealer with which an independent investment manager effects transactions for the client’s account(s). Please refer to the “Brokerage Practices” section (Item 12) of this Form ADV for additional information. Grandfathering of Minimum Account Requirements: Pre-existing advisory clients are subject to Market Street Wealth Management Advisors, LLC’s minimum account requirements and advisory fees in effect at the time the client entered into the advisory relationship. Therefore, our firm’s minimum account requirements will differ among clients. ERISA Accounts: Market Street Wealth Management Advisors, LLC is deemed to be a fiduciary to advisory clients that are employee benefit plans or individual retirement accounts (IRAs) pursuant to the Employee Retirement Income and Securities Act (“ERISA”), and regulations under the Internal Revenue Code of 1986 (the “Code”), respectively. As such, our 16  firm is subject to specific duties and obligations under ERISA and the Internal Revenue Code that include among other things, restrictions concerning certain forms of compensation. To avoid engaging in prohibited transactions, Market Street Wealth Management Advisors, LLC may only charge fees for investment advice about products for which our firm and/or our related persons do not receive any commissions or 12b-1 fees. Advisory Fees in General: Clients should note that similar advisory services may (or may not) be available from other registered (or unregistered) investment advisers for similar or lower fees. Limited Prepayment of Fees: Under no circumstances do we require or solicit payment of fees in excess of $1,200 more than six months in advance of services rendered. PLEASE NOTE: IMPACT OF FEE MINIMUMS. Market Street does impose a minimum annual fee requirement of $6500. If you maintain less than $500,000 for Wealth Management; $395,604 for Investment Management without Planning (standalone); or $333,333 for Retirement Plan Consulting clients of assets under Market Street Wealth Management Advisors, LLC’s management, and are subject to the quarterly minimum fee, you will pay a higher percentage quarterly fee than the percentage referenced in the above fee schedule. Item 6 Performance-Based Fees and Side-By-Side Management Not applicable. Item 7 Types of Clients Market Street Wealth Management Advisors, LLC provides advisory services to the following types of clients: • Individuals (other than high net worth individuals) • High net worth individuals • Businesses • Private Foundations • Pension and Profit Sharing Plans (other than plan participants) • Charitable Organizations Market Street Wealth Management Advisors, LLC, in its sole discretion, may charge a lesser investment management fee and/or reduce or waive its aggregate portfolio minimum based upon certain criteria (i.e. anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, 17  negotiations with client, etc.). Please Note: As indicated above at Item 5, if you maintain less than $500,000 for Wealth Management; $395,604 for Investment Management without Planning (standalone); or $333,333 for Retirement Plan Consulting clients of assets under Market Street Wealth Management Advisors, LLC’s management and are subject to the quarterly minimum fee, you will pay a higher percentage quarterly fee than the percentage referenced in the fee schedule at Item 5 above. Item 8 Methods of Analysis, Investment Strategies and Risk of Loss METHODS OF ANALYSIS We use the following methods of analysis in formulating our investment advice and/or managing client assets: Asset Allocation. Rather than focusing primarily on securities selection, we attempt to identify an appropriate ratio of equity securities, fixed income, and cash suitable to the client’s investment goals and risk tolerance. A risk of asset allocation is that the client may not participate in sharp increases in a particular security, industry, or market sector. Another risk is that the ratio of equity securities, fixed income, and cash will change over time due to stock and market movements and, if not corrected, will no longer be appropriate for the client’s goals. Mutual Fund and/or ETF Analysis. We look at the experience and track record of the manager of the mutual fund or ETF in an attempt to determine if that manager has demonstrated an ability to invest over a period of time and in different economic conditions. We also monitor the funds or ETFs in an attempt to determine if they are continuing to follow their stated investment strategy. A risk of mutual fund and/or ETF analysis is that, as in all securities investments, past performance does not guarantee future results. A manager who has been successful may not be able to replicate that success in the future. In addition, as we do not control the underlying investments in a fund or ETF, managers of different funds held by the client may purchase the same security, increasing the risk to the client if that security were to fall in value. There is also a risk that a manager may deviate from the stated investment mandate or strategy of the fund or ETF, which could make the holding(s) less suitable for the client’s portfolio. Investment Risk. Investing in securities involves risk of loss that clients should be prepared to bear. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by the Market Street) will be profitable or equal any specific performance level(s). Investors generally face the following types of investment risks: • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For 18  example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk may be caused by external factors independent of the fund’s specific investments as well as due to the fund’s specific investments. Additionally, each security’s price will fluctuate based on market movement and emotion, which may, or may not be due to the security’s operations or changes in its true value. For example, political, economic and social conditions may trigger market events which are temporarily negative, or temporarily positive. • 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. • Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. • Liquidity Risk: Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties are not. • Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Currently, Market Street primarily recommends that clients allocate investment assets among mutual funds and/or exchange traded funds (“ETFs”) on a discretionary and/or non- discretionary basis in accordance with the client’s designated investment objective(s). Transactions involve the risk of loss of capital and contain transaction costs associated with conducting trades and the settlement process as well as potential tax consequences. It is not the intent of the investment strategy or process to result in frequent trading of securities, however more frequent or shorter-term holding periods may occur if market conditions change quickly, or valuations are altered unexpectedly. A client’s investment portfolio will fluctuate in value as market conditions change and the client could lose all or a portion of the value of the investment portfolio over short or long periods of time. Risks for All Forms of Analysis. Our securities analysis methods rely on the assumption that the companies whose securities we purchase and sell, the rating agencies that review these securities, and other publicly-available sources of information about these securities, are providing accurate and unbiased data. While we are alert to indications that data may be incorrect, there is always a risk that our analysis may be compromised by inaccurate or misleading information. 19  INVESTMENT STRATEGIES We use the following strategy(ies) in managing client accounts, provided that such strategy(ies) are appropriate to the needs of the client and consistent with the client’s investment objectives, risk tolerance, and time horizons, among other considerations: Long-term Purchases. We purchase securities with the idea of holding them in the client’s account for a year or longer. Typically, we employ this strategy when: • we believe the securities to be currently undervalued, and/or • we want exposure to a particular asset class over time, regardless of the current projection for this class. The risk of a long-term purchase strategy is that by holding the security for this length of time, we may not take advantage of short-term gains that could be profitable to a client. RISK OF LOSS Security investments are not guaranteed, and you may lose money on your investments. We ask that you work with us to help us understand your tolerance for risk. Item 9 Disciplinary Information We are required to disclose any legal or disciplinary events that are material to a client’s or prospective client’s evaluation of our advisory business or the integrity of our management. Our firm and our management personnel have no reportable disciplinary events to disclose. Item 10 Other Financial Industry Activities and Affiliations A. Neither Market Street, nor its representatives, are registered or have an application pending to register, as a broker-dealer or a registered representative of a broker-dealer. B. Neither Market Street, nor its representatives, are registered or have an application pending to register, as a futures commission merchant, commodity pool operator, a commodity trading advisor, or a representative of the foregoing. C. Market Street has no other relationship or arrangement with a related person that is material to its advisory business. D. Market Street does not receive, directly or indirectly, compensation from investment advisors that it recommends or selects for its clients. 20  Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Our firm has adopted a Code of Ethics which sets forth high ethical standards of business conduct that we require of our employees, including compliance with applicable federal securities laws. Market Street Wealth Management Advisors, LLC and our personnel owe a duty of loyalty, fairness and good faith towards our clients, and have an obligation to adhere not only to the specific provisions of the Code of Ethics but to the general principles that guide the Code. Our Code of Ethics includes policies and procedures for the review of quarterly securities transactions reports as well as initial and annual securities holdings reports that must be submitted by the firm’s access persons. Among other things, our Code of Ethics also requires the prior approval of any acquisition of securities in a limited offering (e.g., private placement) or an initial public offering. Our code also provides for oversight, enforcement and record keeping provisions. Market Street Wealth Management Advisors, LLC’s Code of Ethics further includes the firm’s policy prohibiting the use of material nonpublic information. While we do not believe that we have any particular access to nonpublic information, all employees are reminded that such information may not be used in a personal or professional capacity. A copy of our Code of Ethics is available to our advisory clients and prospective clients. You may request a copy by email sent to KatieF@mswma.com, or by calling us at 317-870-1379. Our Code of Ethics is designed to assure that the personal securities transactions, activities and interests of our employees will not interfere with (i) making decisions in the best interest of advisory clients and (ii) implementing such decisions while, at the same time, allowing employees to invest for their own accounts. Our firm and/or individuals associated with our firm may buy or sell for their personal accounts securities identical to or different from those recommended to our clients. In addition, any related person(s) may have an interest or position in a certain security(ies) which may also be recommended to a client. Item 12 Brokerage Practices In the event that the client requests that we recommend a broker-dealer/custodian for execution and/or custodial services, we generally recommend that investment accounts be maintained at Charles Schwab & Co., Inc. (“Schwab”) Prior to engaging us to provide investment management services, the client will be required to enter into a formal Investment Advisory Agreement with us setting forth the terms and conditions under which we shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer/custodian. Factors that we consider in recommending Schwab (or any other broker-dealer/custodian to 21  clients) include historical relationship, financial strength, reputation, execution capabilities, pricing, research, and service. Although the commissions and/or transaction fees paid by our clients [to the extent that such transaction fees and commissions are payable] shall comply with our duty to obtain best execution, a client may pay a transaction fee that is higher than another qualified broker-dealer might charge to affect the same transaction where we determine, in good faith, that the transaction fee is reasonable. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a broker- dealer’s services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although we will seek competitive rates, it may not necessarily obtain the lowest possible commission rates for client account transactions. The brokerage commissions or transaction fees charged by the designated broker-dealer/custodian are exclusive of, and in addition to, our investment advisory fee. Market Street’s best execution responsibility is qualified if securities that it purchases for client accounts are mutual funds that trade at net asset value as determined at the daily market close Research and Additional Benefits: Although not a material consideration when determining whether to recommend that a client utilize the services of a particular broker- dealer/custodian, we may receive from Schwab (or another broker-dealer/custodian, investment manager, platform or fund sponsor, or vendor) without cost (and/or at a discount) support services and/or products, certain of which assist us to better monitor and service client accounts maintained at such institutions. Included within the support services that may be obtained by us may be proprietary investment-related research, pricing information and market/economic data, software and other technology that provide access to client account data, customizable reporting technology, quarterly fee calculations, no account fees, negotiated trading fees for stocks and exchange traded funds, compliance and/or practice management-related publications, discounted or gratis consulting services, discounted and/or gratis attendance at conferences, meetings, and other educational and/or social events, marketing support- including client events, computer hardware and/or software and/or other products used by us in furtherance of its investment advisory business operations. As indicated above, certain of the support services and/or products that may be received may assist us in managing and administering client accounts. Others do not directly provide such assistance, but rather assist us to manage and further develop its business enterprise. Our clients do not pay more for investment transactions effected and/or assets maintained at Schwab as a result of this arrangement. There is no corresponding commitment made by us to Schwab or any other entity to invest any specific amount or percentage of client assets in any specific mutual funds, securities or other investment products as result of the above arrangement. Market Street does not receive referrals from broker-dealers. Our Chief Compliance Officer, Katie Jo Fischer, remains available to address any questions that a client or prospective client may have regarding the above arrangement 22  and any corresponding perceived conflict of interest such arrangements may create. through a specific broker-dealer, Directed Brokerage. We generally recommend that our clients utilize the brokerage and custodial services provided by Schwab. We generally do not accept directed brokerage arrangements (when a client requires that account transactions be effected through a specific broker-dealer). In such client directed arrangements, the client will negotiate terms and arrangements for their account with that broker-dealer, and we will not seek better execution services or prices from other broker-dealers or be able to "batch" the client’s transactions for execution through other broker-dealers with orders for other accounts managed by us. As a result, a client may pay higher commissions or other transaction costs or greater spreads, or receive less favorable net prices on transactions for the account than would otherwise be the case. Please Note: In the event that the client directs us to effect securities transactions for the client’s accounts the client correspondingly acknowledges that such direction may cause the accounts to incur higher commissions or transaction costs than the accounts would otherwise incur had the client determined to effect account transactions through alternative clearing arrangements that we recommend. Higher transaction costs adversely impact account performance. Please Also Note: Transactions for directed accounts will generally be executed following the execution of portfolio transactions for non-directed accounts. Order Aggregation. Transactions for each client account generally will be effected independently, unless we decide to purchase or sell the same securities for several clients at approximately the same time. We may (but are not obligated to) combine or “bunch” such orders to obtain best execution, to negotiate more favorable commission rates or to allocate equitably among our clients’ differences in prices and commissions or other transaction costs that might have been obtained had such orders been placed independently. Under this procedure, transactions will be averaged as to price and will be allocated among clients in proportion to the purchase and sale orders placed for each client account on any given day. We shall not receive any additional compensation or remuneration as a result of such aggregation. Item 13 Review of Accounts PORTFOLIO MANAGEMENT REVIEWS: While the underlying securities within Individual Portfolio Management Services (Wealth Management, Investment Management without Planning (standalone), and Foundations) accounts are continually monitored, these accounts are reviewed at least quarterly. Accounts are reviewed in the context of each client’s stated investment objectives and guidelines, as stated in the client’s Investment Policy Statement (IPS). More frequent reviews may be triggered by material changes in variables such as the client’s individual circumstances, or the market, political or economic environment. These accounts are reviewed by a combination of our firm’s Investment Analysts. REPORTS: In addition to the monthly statements and confirmations of transactions that clients receive from their broker-dealer, we provide quarterly reports summarizing account 23  performance, balances, and holdings. We also provide daily account information via a secure client portal from our company’s website. ERISA PLANS AND RETIREMENT PLAN CONSULTING REVIEWS: Market Street Wealth Management Advisors, LLC will review the client’s Investment Policy Statement (IPS) whenever the client advises us of a change in circumstances regarding the needs of the plan. Market Street Wealth Management Advisors, LLC will also review the investment options of the plan according to the agreed upon time intervals established in the IPS. Such reviews will generally occur quarterly. These accounts are reviewed by our firm’s Investment Analysts. REPORTS: These client accounts will receive reports as contracted for at the inception of the advisory relationship. The reports will include maintenance of Monitored and Watched Funds Lists and appropriate comments. Fund replacement recommendations are also made when appropriate. FINANCIAL PLANNING SERVICES REVIEWS: While reviews may occur at different stages depending on the nature and terms of the specific engagement, typically no formal reviews will be conducted for Financial Planning clients unless otherwise contracted for. REPORTS: Financial Planning clients will receive a completed financial plan. Additional reports will not typically be provided unless otherwise contracted for. Item 14 Client Referrals and Other Compensation As referenced in Item 12 above, we may receive from Schwab, without cost (and/or at a discount), support services and/or products. Our clients do not pay more for investment transactions effected and/or assets maintained at Schwab as result of this arrangement. There is no corresponding commitment made by us to Schwab or any other entity to invest any specific amount or percentage of client assets in any specific mutual funds, securities or other investment products as a result of the above arrangements. Our Chief Compliance Officer, Katie Jo Fischer, remains available to address any questions that a client or prospective client may have regarding the above arrangement and any corresponding perceived conflict of interest such arrangements may create. CLIENT REFERRALS Our firm may pay referral fees to independent persons or firms (“Solicitors”) for introducing clients to us. Whenever we pay a referral fee, we require the Solicitor to provide the prospective client with a copy of this document (our Firm Brochure) and a separate disclosure statement that includes the following information: 24  • the Solicitor’s name and relationship with our firm; • the fact that the Solicitor is being paid a referral fee; • the amount of the fee; and • whether the fee paid to us by the client will be increased above our normal fees in order to compensate the Solicitor. As a matter of firm practice, the advisory fees paid to us by clients referred by solicitors are not increased as a result of any referral. It is Market Street Wealth Management Advisors, LLC’s policy not to accept or allow our related persons to accept any form of compensation, including cash, sales awards or other prizes, from a non-client in conjunction with the advisory services we provide to our clients. Item 15 Custody We previously disclosed in the “Fees and Compensation” section (Item 5) of this Brochure that our firm directly debits advisory fees from client accounts. As part of this billing process, the client’s custodian is advised of the amount of the fee to be deducted from that client’s account. On at least a quarterly basis, the custodian is required to send to the client a statement showing all transactions within the account during the reporting period. Because the custodian does not calculate the amount of the fee to be deducted, it is important for clients to carefully review their custodial statements to verify the accuracy of the calculation, among other things. Clients should contact us directly if they believe that there may be an error in their statement. In addition to the periodic statements that clients receive directly from their custodians, we also send account statements directly to our clients on a quarterly basis. We urge our clients to carefully compare the information provided on these statements to ensure that all account transactions, holdings and values are correct and current. In addition, certain clients have established asset transfer authorizations that permit the qualified custodian to rely upon instructions from Market Street to transfer client funds or securities to third parties. These arrangements are disclosed at Item 9 of Part 1 of Form ADV. However, in accordance with the guidance provided in the SEC’s February 21, 2017 Investment Adviser Association No-Action Letter, the affected accounts are not subject to an annual surprise CPA examination. In addition, Market Street and/or certain of its members engage in other services and/or practices (i.e., bill paying, password possession, trustee service, etc.) requiring disclosure at 25  Item 9 of Part 1 of Form ADV. These services and practices result in Market Street having custody under Rule 206(4)-2 of the Advisers Act. Per the Rule, having such custody requires our firm to undergo an annual surprise CPA examination, and make a corresponding Form ADV-E filing with the SEC, for as long as we provide such services and/or engages in such practices. Item 16 Investment Discretion The client can determine to engage the Market Street to provide investment advisory services on a discretionary basis. Prior to Market Street assuming discretionary authority over a client’s account, the client shall be required to execute an Investment Advisory Agreement, naming the Market Street as the client’s attorney and agent in fact, granting the Market Street full authority to buy, sell, or otherwise effect investment transactions involving the assets in the client’s name found in the discretionary account. Clients who engage the Market Street on a discretionary basis may, at any time, impose restrictions, in writing, on Market Street’s discretionary authority (i.e. limit the types/amounts of particular securities purchased for their account, exclude the ability to purchase securities with an inverse relationship to the market, limit or proscribe Market Street’s use of margin, etc.). Clients give us discretionary authority when they sign a discretionary agreement with our firm and may limit this authority by giving us written instructions. Clients may also change/amend such limitations by once again providing us with written instructions. Item 17 Voting Client Securities As a matter of firm policy, we do not vote proxies on behalf of clients. Clients are responsible for instructing each custodian, to forward to the client copies of all proxies and shareholder communications relating to the client’s investment assets. We do not offer any consulting assistance regarding proxy issues to clients. Item 18 Financial Information Under no circumstances do we require or solicit payment of fees in excess of $1,200 per client more than six months in advance of services rendered. Therefore, we are not required to include a financial statement. As an advisory firm that maintains discretionary authority for client accounts OR is deemed to have custody, we are also required to disclose any financial condition that is reasonably likely to impair our ability to meet our contractual obligations. Market Street Wealth Management Advisors, LLC has no additional financial circumstances to report. Market Street Wealth Management Advisors, LLC has not been the subject of a bankruptcy petition at any time during the past ten years. 26  ANY QUESTIONS: Our Chief Compliance Officer, Katie Jo to address any questions Fischer, remains available regarding this Part 2A. 27  Part 2B of Form ADV: Brochure Supplement Austin B Angel 3105 E 98th Street Suite 170 Indianapolis, IN 46280 317-672-1949 Market Street Wealth Management Advisors, LLC 3105 E 98th Street Suite 170 Indianapolis, IN 46280 October 6, 2025 This Brochure Supplement provides information about Austin B Angel that supplements the Market Street Wealth Management Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Katie J. Fischer if you did not receive Market Street Wealth Management Advisors, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Austin B Angel is available on the SEC’s website at www.adviserinfo.sec.gov  Item 2 Educational, Background and Business Born: 1995 Experience Full Legal Name: Austin B Angel Education • Indiana State University; B.S., Finance and Financial Services; 2018 Business Experience • Market Street Wealth Management Advisors, LLC; Financial Planner; from 05/2018 to Present • Indiana State University; Student; 08/2014 – 05/2018 Designations Austin B Angel has earned the following designation(s) and is in good standing with the granting authority: • Certified Financial Planner®; Certified Financial Planner Board of Standards; 2019 CERTIFIED FINANCIAL PLANNER® professional Austin B Angel is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and he may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:  Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board  implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.  Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.  Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.  Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:  Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.  Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Certified Digital Asset Advisor (CDAA) Austin B Angel is a Certified Digital Asset Advisor (CDAA). He earned this designation from Interaxis. To earn the designation, Mr. Angel took a six-week certification course on digital assets like Bitcoin and Ethereum, decentralized finance, nonfungible tokens, and decentralized autonomous organizations. The CDAA designation allows advisers to better understand the crypto asset space and the corresponding investment thesis. To learn more about the CDAA designation, visit https://interaxis.io.  Item 3 Disciplinary Information Austin B Angel has no reportable disciplinary history. Item 4 Other Business Activities A. Investment-related Activities  Austin B Angel is not engaged in any other investment-related activities.  Austin B Angel does not receive commissions, bonuses or other compensation on the sale of securities or other investment products. B. Noninvestment-related Activities Austin B Angel is not engaged in any other business or occupation that provides substantial compensation or involves a substantial amount of his time. Item 5 Additional Compensation Austin B Angel’s annual compensation is based, in part, on the amount of assets under management that Mr. Angel introduces to the Market Street and the number of clients that Mr. Angel introduces to the Market Street. Accordingly, Mr. Angel has a conflict of interest for recommending the Market Street to clients for investment advisory services, as the recommendation could be made on the basis of compensation to be received, rather than on a client or prospective client’s best interests. Item 6 Supervision Supervisor: Katie Fischer Title: Chief Compliance Officer Phone Number: 317-870-1379 All financial plans are reviewed by another staff member or the Chief Compliance Officer.  Part 2B of Form ADV: Brochure Supplement Jessica Lynn Bokhart 3105 E 98th Street Suite 170 Indianapolis, IN 46280 317-860-1085 Market Street Wealth Management Advisors, LLC 3105 E 98th Street Suite 170 Indianapolis, IN 46280 October 6, 2025 This Brochure Supplement provides information about Jessica Lynn Bokhart that supplements the Market Street Wealth Management Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Katie J. Fischer if you did not receive Market Street Wealth Management Advisors, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Jessica Lynn Bokhart is available on the SEC’s website at www.adviserinfo.sec.gov  Item 2 Educational, Background and Business Experience Full Legal Name: Jessica Lynn Bokhart Born: 1984 Education • Purdue University; BS, Financial Counseling & Planning; 2006 Business Experience • Market Street Wealth Management Advisors, LLC; Managing Partner; from 06/2006 to Present Designations Jessica Lynn Bokhart has earned the following designation(s) and is in good standing with the granting authority: • Certified Financial Planner®; Certified Financial Planner Board of Standards; 2009 CERTIFIED FINANCIAL PLANNER® professional Jessica Lynn Bokhart is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, she may refer to herself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and she may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:  Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the  financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.  Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.  Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.  Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:  Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.  Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Item 3 Disciplinary Information Jessica Lynn Bokhart has no reportable disciplinary history. Item 4 Other Business Activities A. Investment-related Activities  Jessica Lynn Bokhart is not engaged in any other investment-related activities.  Jessica Lynn Bokhart does not receive commissions, bonuses or other  compensation on the sale of securities or other investment products. B. Noninvestment-related Activities  Jessica Bokhart is on the Board of Directors for the Montgomery County Carnegie Museum. She serves as Treasurer and receives $0 income.  Jessica Bokhart is Vice President of the Women’s Legacy Fund at the Montgomery County Community Foundation. She receives $0 income. Item 5 Additional Compensation Jessica Lynn Bokhart does not receive any economic benefit from a non-advisory client for the provision of advisory services. Item 6 Supervision Supervisor: Katie Fischer Title: Chief Compliance Officer Phone Number: 317-870-1379 All financial plans are reviewed by another staff member or the Chief Compliance Officer.  Part 2B of Form ADV: Brochure Supplement Kevin J. Ervin 3105 E 98th Street Suite 170 Indianapolis, IN 46280 317-860-1078 Market Street Wealth Management Advisors, LLC 3105 E 98th Street Suite 170 Indianapolis, Indiana 46280 October 6, 2025 This Brochure Supplement provides information about Kevin J. Ervin that supplements the Market Street Wealth Management Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Katie J Fischer if you did not receive Market Street Wealth Management Advisors, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Kevin J. Ervin is available on the SEC’s website at www.adviserinfo.sec.gov.  Item 2 Educational, Background and Business Experience Full Legal Name: Kevin J. Ervin Born: 1960 Education • Ball State University; BS, Accounting; 1982 • Indiana University; MBA, Finance; 1989 Business Experience • Market Street Wealth Management Advisors, LLC; Partner; from 10/2001 to Present • Huntington National Bank; Sr. Vice President; from 11/1987 to 10/2000 • Bank One; Assistant Vice President; from 05/1983 to 11/1987 • Arthur Andersen & Co.; Staff Accountant; from 06/1982 to 05/1983 Designations Kevin J. Ervin has earned the following designation(s) and is in good standing with the granting authority: • Certified Public Accountant; Indiana Professional Licensing Agency Accountancy; 1987 Those with the CPA designation have demonstrated competency in the areas of accounting, auditing, taxation and business law. To sit for the CPA examination, the candidate must possess a baccalaureate degree with and have completed at least 150 semester hours of coursework with at least 24 of those semester hours in accounting. To maintain the CPA designation, one must complete 120 hours of approved continuing education every three years. • Certified Financial Planner®; Certified Financial Planner Board of Standards; 1998 CERTIFIED FINANCIAL PLANNER® professional Kevin J. Ervin is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and he may use these and CFP Board’s other  certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:  Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.  Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.  Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.  Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:  Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.   Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Item 3 Disciplinary Information Kevin J. Ervin has no reportable disciplinary history. Item 4 Other Business Activities A. Investment-related Activities  Kevin J. Ervin is not engaged in any other investment-related activities.  Kevin J. Ervin does not receive commissions, bonuses or other compensation on the sale of securities or other investment products. B. Noninvestment-related Activities Kevin J. Ervin is not engaged in any other business or occupation that provides substantial compensation or involves a substantial amount of his time. Item 5 Additional Compensation Kevin J. Ervin does not receive any economic benefit from a non-advisory client for the provision of advisory services. Item 6 Supervision Supervisor: Katie Fischer Title: Chief Compliance Officer Phone Number: 317-870-1379 All financial plans are reviewed by another staff member or the Chief Compliance Officer.  Part 2B of Form ADV: Brochure Supplement Katie J. Fischer 3105 E 98th Street Suite 170 Indianapolis, IN 46280 317-870-1379 Market Street Wealth Management Advisors, LLC 3105 E 98th Street Suite 170 Indianapolis, IN 46280 October 6, 2025 This Brochure Supplement provides information about Katie J. Fischer that supplements the Market Street Wealth Management Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Katie J Fischer if you did not receive Market Street Wealth Management Advisors, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Katie J. Fischer is available on the SEC’s website at www.adviserinfo.sec.gov  Item 2 Educational Background and Business Experience Full Legal Name: Katie J. Fischer Born: 1987 Education • Purdue University; BS, Financial Counseling & Planning Business Experience • Market Street Wealth Management Advisors, LLC; Partner from 07/2013 to Present • Payne Wealth Partners; Paraplanner, 10/2011 to 07/2013 • Heritage Federal Credit Union; Teller, 09/2010 to 10/2011 • Financial Planning Consultants; Intern, 08/2009 to 05/2010 Designations Katie J. Fischer has earned the following designation(s) and is in good standing with the granting authority: Certified Financial Planner®; Certified Financial Planner Board of Standards; 2014 CERTIFIED FINANCIAL PLANNER® professional Katie J. Fischer is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and he may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:  Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has  determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.  Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.  Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.  Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:  Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.  Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Item 3 Disciplinary Information Katie J. Fischer has no reportable disciplinary history.  Item 4 Other Business Activities A. Investment-related Activities  Katie J. Fischer is not engaged in any other investment-related activities.  Katie J. Fischer does not receive commissions, bonuses or other compensation on the sale of securities or other investment products. B. Noninvestment-related Activities Katie J. Fischer is not engaged in any other business or occupation that provides substantial compensation or involves a substantial amount of his time. Item 5 Additional Compensation Katie J. Fischer does not receive any economic benefit from a non-advisory client for the provision of advisory services. Item 6 Supervision Supervisor: Jessica L. Bokhart Title: Managing Partner Phone Number: 317-860-1085 All financial plans are reviewed by another staff member or the Chief Compliance Officer.  Part 2B of Form ADV: Brochure Supplement Patrick K. Roberts 3105 E 98TH STREET SUITE 170 Indianapolis, IN 46280 317-672-1951 Market Street Wealth Management Advisors, LLC 3105 E 98TH STREET SUITE 170 Indianapolis, IN 46280 October 6, 2025 This Brochure Supplement provides information about Patrick K. Roberts that supplements the Market Street Wealth Management Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Katie J Fischer if you did not receive Market Street Wealth Management Advisors, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Patrick K. Roberts is available on the SEC’s website at www.adviserinfo.sec.gov.  Item 2 Educational, Background and Business Experience Full Legal Name: Patrick Kyle Roberts Born: 1985 Education • Franklin College; BA, Accounting; 2008 Business Experience • Market Street Wealth Management Advisors, LLC; Partner; from 10/2015 to Present • Veros Partners, Inc; Advisor; from 08/2008 to 07/2015 Designations Patrick K. Roberts has earned the following designation(s) and is in good standing with the granting authority: • Certified Public Accountant; Indiana Professional Licensing Agency Accountancy; 2010 Those with the CPA designation have demonstrated competency in the areas of accounting, auditing, taxation and business law. To sit for the CPA examination, the candidate must possess a baccalaureate degree with and have completed at least 150 semester hours of coursework with at least 24 of those semester hours in accounting. To maintain the CPA designation, one must complete 120 hours of approved continuing education every three years. Item 3 Disciplinary Information Patrick K. Roberts has no reportable disciplinary history. Item 4 Other Business Activities A. Investment-Related Activities  Patrick K. Roberts does not receive commissions, bonuses or other compensation on the sale of securities or other investment products.  B. Noninvestment-related Activities Patrick K. Roberts is not engaged in any other business or occupation that provides substantial compensation or involves a substantial amount of his time. Item 5 Additional Compensation Patrick K. Roberts does not receive any economic benefit from a non-advisory client for the provision of advisory services. Item 6 Supervision Supervisor: Katie Fischer Title: Chief Compliance Officer Phone Number: 317-870-1379 All financial plans are reviewed by another staff member or the Chief Compliance Officer.  Part 2B of Form ADV: Brochure Supplement Kyle B. Thompson 3105 E 98th Street Suite 170 Indianapolis, IN 46280 317-672-1952 Market Street Wealth Management Advisors, LLC 3105 E 98th Street Suite 170 Indianapolis, IN 46280 October 6, 2025 This Brochure Supplement provides information about Kyle B. Thompson that supplements the Market Street Wealth Management Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Katie J. Fischer if you did not receive Market Street Wealth Management Advisors, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Kyle B. Thompson is available on the SEC’s website at www.adviserinfo.sec.gov.  Item 2 Educational, Background and Business Experience Full Legal Name: Kyle B. Thompson Born: 1981 Education • Indiana University; BS, Accounting & Finance; 2005 Business Experience • Market Street Wealth Management Advisors, LLC; Partner; from 05/2015 to Present • Veros Partners; Manager; from 07/2008 to 05/2015 • Deloitte, LLP; Senior; from 07/2006 to 07/2008 • Ernst & Young; Staff Accountant; from 06/2005 to 07/2006 Designations Kyle. B. Thompson has earned the following designation(s) and is in good standing with the granting authority: Certified Financial Planner®; Certified Financial Planner Board of Standards; 2016 CERTIFIED FINANCIAL PLANNER® professional Kyle. B. Thompson is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and he may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:  Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a  college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.  Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.  Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.  Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:  Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.  Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. • Certified Public Accountant; Indiana Professional Licensing Agency Accountancy; 2008 Those with the CPA designation have demonstrated competency in the areas of accounting, auditing, taxation and business law. To sit for the CPA  examination, the candidate must possess a baccalaureate degree with and have completed at least 150 semester hours of coursework with at least 24 of those semester hours in accounting. To maintain the CPA designation, one must complete 120 hours of approved continuing education every three years. Item 3 Disciplinary Information Kyle B. Thompson has no reportable disciplinary history. Item 4 Other Business Activities A. Investment-related Activities  Kyle B. Thompson is the trustee of Indy SH Revocable Living Trust. No time is devoted to this activity during or outside of trading activities. He received no compensation for this activity.  Kyle B. Thompson does not receive commissions, bonuses or other compensation on the sale of securities or other investment products. B. Noninvestment-related Activities Kyle B. Thompson is not engaged in any other business or occupation that provides substantial compensation or involves a substantial amount of his time. Item 5 Additional Compensation Kyle B. Thompson does not receive any economic benefit from a non-advisory client for the provision of advisory services. Item 6 Supervision Supervisor: Katie Fischer Title: Chief Compliance Officer Phone Number: 317-870-1379 All financial plans are reviewed by another staff member or the Chief Compliance Officer.  Part 2B of Form ADV: Brochure Supplement Aaron Randel Paul Williams 3105 E. 98th Street, Suite 170 Indianapolis, IN 46280 317-672-1947 Market Street Wealth Management Advisors, LLC 3105 E. 98th Street, Suite 170 Indianapolis, Indiana 46280 October 6, 2025 This Brochure Supplement provides information about Aaron Randel Paul Williams that supplements the Market Street Wealth Management Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Katie J Fischer if you did not receive Market Street Wealth Management Advisors, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Aaron Randel Paul Williams is available on the SEC’s website at www.adviserinfo.sec.gov  Item 2 Educational, Background and Business Experience Full Legal Name: Aaron Randel Paul Williams Born: 1989 Education • Franklin College; BA, Finance & Business Management; 2012 • Northwestern University; CFP® Certificate Program, 2016 Business Experience • Market Street Wealth Management Advisors, LLC; Partner; from 10/2015 to Present • CBG & Company; Financial Analyst; from 07/2015 to 10/2015 • Veros Partners; Associate Advisor; from 02/2013 to 07/2015 • Somerset CPAs; Staff Accountant; from 10/2012 to 02/2013 Designations Aaron Randel Paul Williams has earned the following designation(s) and is in good standing with the granting authority: Certified Financial Planner®; Certified Financial Planner Board of Standards; 2016 CERTIFIED FINANCIAL PLANNER® professional Aaron Randel Paul Williams is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, he may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and he may use these and CFP Board’s other certification marks (the “CFP Board Certification Marks”). The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements:  Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan  development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course.  Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations.  Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements.  Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks:  Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client.  Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Item 3 Disciplinary Information Aaron Randel Paul Williams has no reportable disciplinary history. Item 4 Other Business Activities A. Investment-related Activities   Aaron Randel Paul Williams is not engaged in any other investment- related activities.  Aaron Randel Paul Williams does not receive commissions, bonuses or other compensation on the sale of securities or other investment products. B. Noninvestment-related Activities Aaron Randel Paul Williams is not engaged in any other business or occupation that provides substantial compensation or involves a substantial amount of his or her time. Item 5 Additional Compensation Aaron Randel Paul Williams does not receive any economic benefit from a non- advisory client for the provision of advisory services. Item 6 Supervision Supervisor: Katie Fischer Title: Chief Compliance Officer Phone Number: 317-870-1379 All financial plans are reviewed by another staff member or the Chief Compliance Officer.  Part 2B of Form ADV: Brochure Supplement Douglas Robert O’Neill 3105 E. 98th Street, Suite 170 Indianapolis, IN 46280 317-672-1947 Market Street Wealth Management Advisors, LLC 3105 E. 98th Street, Suite 170 Indianapolis, Indiana 46280 October 6, 2025 This Brochure Supplement provides information about Douglas Robert O’Neill that supplements the Market Street Wealth Management Advisors, LLC brochure. You should have received a copy of that brochure. Please contact Katie J Fischer if you did not receive Market Street Wealth Management Advisors, LLC’s brochure or if you have any questions about the contents of this supplement. is available on the SEC’s Additional information about Douglas Robert O’Neill website at www.adviserinfo.sec.gov  Item 2 Educational, Background and Business Experience Born: 1975 Full Legal Name: Douglas Robert O’Neill Education • Purdue University; BS, Mathematics; 1998 Business Experience • Market Street Wealth Management Advisors, LLC; Operations and Information Analyst; from 08/2021 to Present • Raymond James; Senior Project Consultant; from 10/2017 to 04/2021 • Raymond James; Client Service Associate/Paraplanner; from 08/2008 to 10/2017 Designations Douglas Robert O’Neill has earned the following designation(s) and is in good standing with the granting authority: Financial Paraplanner Qualified ProfessionalTM (FPQPTM); 2009 Individuals who hold the FPQPTM designation have completed a course of study encompassing the financial planning process, the five disciplines of financial planning and general financial planning concepts, terminology, and product categories at The College for Financial Planning®, an accredited institution of higher learning, and then successfully passed a proctored exam that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. Designees must adhere to the College’s Standards of Professional Conduct, and complete sixteen hours of continuing education every 2 years. Item 3 Disciplinary Information Douglas Robert O’Neill has no reportable disciplinary history. Item 4 Other Business Activities A. Investment-related Activities  Douglas Robert O’Neill is not engaged in any other investment-related activities.  Douglas Robert O’Neill does not receive commissions, bonuses or other compensation on the sale of securities or other investment products.  B. Noninvestment-related Activities Douglas Robert O’Neill engaged in any other business or occupation that provides substantial compensation or involves a substantial amount of his or her time. Item 5 Additional Compensation Douglas Robert O’Neill does not receive any economic benefit from a non-advisory client for the provision of advisory services. Item 6 Supervision Supervisor: Katie Fischer Title: Chief Compliance Officer Phone Number: 317-870-1379 All financial plans are reviewed by another staff member or the Chief Compliance Officer.