NVEST WEALTH STRATEGIES, INC.

Nvest Wealth Strategies, Inc. Form ADV Part 2A & 2B Disclosures SEC File #139758 January 31, 2026 Nvest Wealth Strategies, Inc. 9757 Fairway Drive | Powell, Ohio 43065 614-389-4646 www.nvestwealth.com Form ADV, Part 2A: Firm Brochure This brochure provides information about the qualifications and business practices of Nvest Wealth Strategies. If you have any questions about the contents of this brochure, please contact us at 614-389-4646 and/or info@nvestwealth.com. The information in this brochure has not been approved or verified by the United States Securities & Exchange Commission or by any state securities authority. Additional information about Nvest Wealth Strategies is available on the SEC’s website at www.adviserinfo.sec.gov. Item 2: Material Changes (since last year) Nvest Wealth Strategies celebrated its 19th year of business in May 2025. Jordan Ranly, MBA hired in 2022 as a financial planning analyst supporting the registered advisors named in Section 2B of this ADV successfully passed all CFP tests and began utilizing the designation in March 2025. No other material changes are applicable for disclosure with this update; the previous annual update was January 31, 2025. Table of Contents (Item 3): Item 4: Advisory Business Item 5: Fees & Compensation Item 6: Performance-Based Fees & Side-by-side Management Item 7: Types of Clients Item 8: Methods of Analysis, Investment Strategies & Risk of Loss Item 9: Disciplinary Information; (Item 19: State Registered Advisor Requirements) Item 10: Other Financial Industry Activities & Affiliations Item 11: Code of Ethics, Participation in Client Transactions & Personal Trading Item 12: Brokerage Practices Item 13: Review of Accounts Item 14: Client Referrals & Other Compensation Item 15: Custody Item 16: Investment Discretion Item 17: Voting Client Securities Item 18: Financial Information page 1 page 1 page 2 page 2 page 2 page 2 page 2 page 2 page 2 page 3 page 3 page 3 page 3 page 3 page 3 Item 4: Advisory Business of Nvest Wealth Strategies, Inc. Item 5: Fees & Compensation Fees for investment management are asset-based, and/or consulting service fees are hourly charges. Investment management fees are asset-based on a percentage of market value under management: Nvest Wealth Strategies, Inc. (Nvest), founded in May 2006 by William G. Henderly, CFA to provide investment advisory services on portfolios it manages for clients; furnish investment advice through consultations, and may also provide clients with advice on matters relating to financial planning topics. William Henderly, Steven Henderly, and Jordan Ranly each own at least 10% of Nvest. Client investment portfolios own mutual funds (no-load or load waived), and Exchange Traded Funds (ETFs) of different styles & strategies to implement a long-term investment philosophy; generally client portfolios do not own individual stock/bond securities as diversification benefits are more limited and the portfolio management process can incur increased transaction expenses. Nvest is not a broker, so it does not buy investments for its own inventory for resale or repurchase for/from clients. Nvest does not receive any rebates, incentives; wrap fees, or refunds from custodians, mutual funds, ETFs or separate account managers. Fees are not negotiable. Clients who began working with Nvest prior to 12/31/2025 pay fees per the standard, non-negotiable schedule outlined in their signed agreement for services. Fees are payable quarterly in advance based on the market value on the last day of the previous quarter. Clients with more than one account are aggregated together to calculate the total fee, which is then prorated among accounts. At December 31, 2025, the aggregate market value of the investments Nvest Wealth Strategies managed for its clients was $236.7 million. This includes assets Nvest manages for clients in custody at Charles Schwab & Co, and on which we have full or shared discretion; it also includes the value of assets wherein Nvest manages client investment allocations (ie: 401K, 403B, 457, and annuity investment structures) utilizing third party account aggregation software (ie Pontera, ByAllAccounts, etc). New accounts are billed at the start of the next calendar quarter and are pro-rated for a portion of the prior quarter depending on when received. Client fees are generally deducted by Schwab from account(s), or paid by check; consulting fees are paid by check. If a client terminates, a prorate refund of the quarterly fee is provided unless agreed otherwise (i.e. the pro-rata is for two weeks or less, or Page 1 of 5 Annual Rate$0-$500,0001.00%$500,000-$2,000,0000.80%$2,000,000-$4,000,0000.60%$4,000,000-$6,000,0000.40%$6,000,000-Above0.20%Asset Range  Nvest Wealth Strategies, Inc. Form ADV Part 2A & 2B Disclosures SEC File #139758 January 31, 2026 is less than $10). Item 9: Disciplinary Information (Item 19: State Registered Advisor Requirements) Nvest, or its employees are not subject to any current or prior legal or disciplinary events (called Disclosures). Each registered investment advisor bio is included below, in Form ADV, Part 2B: Brochure Supplement. Public charitable or church related 501(c)(3) organizations, ministers, and Nvest extended family may incur a discounted annual fee, charged quarterly at 50% of the tiered rates (above). Nvest employees and immediate family do not incur investment management fees. Item 10: Other Financial Industry Activities & Affiliations A client may own a concentrated low basis investment, where the market value is excluded from the investment management fee. Nvest may be requested to liquidate the investment over time, where the client and Nvest determine it appropriate to fee for time/effort to make the transaction. Nvest Wealth Strategies and its employees are independent and are not part of other financial advisory firms or services; act with independence using a Fiduciary standard of pursuing the best interest of the client. We do not receive any referral fees or compensation from other legal (estate attorneys) or other financial professionals (CPAs, insurance agents, bankers or real estate agents/brokers). Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Nvest fees are separate to charges (if any) from custodian, or mutual fund, or separate account manager fees. Mutual fund, ETF fees (operating expenses) vary from fund to fund, and are part of the daily Net Asset Value (price of the shares). Brokerage fees may be charged by the custodian to transact a buy/sell of stocks, bonds, ETFs and/or some mutual funds; Nvest employees do not receive commissions, transaction fees, or etc. Often, investment trades are made via brokerage services offered by the custodian/broker. Nvest adheres to the Chartered Financial Analysts (CFA) Code of Ethics; a copy of which is provided upon request, and is also published on our website. Financial planners adhere to the Certified Financial Planning (CFP) Code of Ethics; all employees are supervised relative to personal investments not part of current accounts under firm management. Consulting fees (for investment review or planning) range from $50 (for data gathering) to $200 (for professional expertise) per hour; and may be adjusted from time to time. Clients are quoted these rates before work begins, and may be required to sign an agreement for services that defines hourly or project charges. Client is invoiced monthly as work/consultation is performed, until the project is complete. Consulting activities are not provided to non- Nvest clients. Often, consulting activity fees and charges are not invoiced when the client’s assets under management are $250,000 or greater. Nvest does not recommend or generally utilize individual securities to/for client accounts. We primarily invest in no-load mutual funds or ETFs which do not allow clients/investors to “front run”, and thus avoid other conflicts of interest when managing accounts. We too are long term investors. Item 6: Performance-Based Fees & Side-by-Side Management Nvest personnel may also own investment accounts, which own mutual funds, ETFs, and securities identical or similar to those owned by/in client portfolios. Personnel will purchase investments for clients first; investing in mutual funds/ETFs does not create conflicts of interest. We invest our portfolios the same way we invest for clients. Nvest does not charge performance-based fees or other side-by-side management fees (exist when an advisor manages similar client portfolios that have different structures, fee arrangements, or etc.) that could create a conflict of interest. Nvest avoids conflicts of interest and other non-Fiduciary issues. Nvest does not direct trades to brokerage firms for “soft-dollar” research, does not offer/pay/receive referral fees or other compensation that could create conflicts of interest. Item 7: Types of Clients Further, Nvest or its employees are not general partners or related persons to any partnership where clients are solicited to invest. Item 12: Brokerage Practices Investment management services are available to individuals, trust, estates, or charitable organizations, and corporations or business entities on a fee-only basis. Nvest and its employees adhere to the Fiduciary Standard - providing its services in the best interest of clients. Nvest attempts to open new client account relationships that are $250,000 minimum. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss: Selection of investments is based upon ongoing due diligence factors consisting of quantitative (historical performance, risk/return measures, and etc.) and qualitative (management and research staff experience, buy and sell discipline, risk control techniques). Nvest utilizes almost exclusively the brokerage services of Charles Schwab & Co. for the purchase and sale of securities owned in client accounts. The commissions charged by Schwab, from time to time, are discount commissions. Nvest tries to avoid and/or minimize brokerage commissions when making investment decisions; commissions are monitored and reported to clients. Nvest does not receive any compensation from Schwab for trade commissions incurred; thus, not creating conflicts of interest. Nvest does not direct brokerage trades. All investments possess risk (due to changing markets, inflation, interest rates, taxes, and etc.). Risk factors are assessed and discussed with clients; diversification of investments is pursued to manage the degree of portfolio risk. Risk varies with types of securities utilized within a client portfolio; an investment objective is established with the client for each portfolio based upon time and purpose. Nvest does not utilize soft-dollar arrangements for equipment or research. Rather, we subscribe to and pay for research or services deemed appropriate or prepare research necessary to perform the investment management process for clients. Examples of research include fundamental, technical, analyst’s research reports, periodical and internet research, company or mutual fund information and conversations, and etc. Nvest executes trades via Schwab; we aggregate a stock or bond, or Page 2 of 5  Nvest Wealth Strategies, Inc. Form ADV Part 2A & 2B Disclosures SEC File #139758 January 31, 2026 mutual fund/ETF trade when possible and appropriate; aggregation is pursued to possibly achieve better price execution, and/or may reduce trading commissions (if applicable) to clients. Item 13: Review of Client Accounts Nvest tailors its investment management services to the individual needs of clients. Our professionals meet with clients initially and periodically to understand/monitor their financial characteristics. Based upon financial characteristics and investment objectives, suitable investments are chosen for the client portfolio. Portfolios are multi-asset structures consisting of different style no-load mutual funds and ETFs which own bonds and stocks. We manage asset allocations to achieve, or modify/adjust portfolio risk. We do not utilize timing, sector rotation, interest rate anticipation, or other momentum strategies to manage client portfolios. Sometimes, clients request Nvest to hold a specific investment or cash, which may be different than current strategy being employed. Financial planning services are available and provided as requested by the client. We provide “LIVING LIFE” financial planning - assisting the client (and Nvest) with validating investment objectives (saving, asset allocation, and return goals), and personal financial goals. Client accounts are reviewed quarterly; more often being monthly and ongoing. As deposits/withdrawals occur, portfolio reviews are performed by trained, experienced investment advisor(s). A portfolio review verifies that specific investments meet client objectives, and that risks are managed via tactical or strategic target allocations. These target allocations are dynamic, and change over time. Rebalancing techniques are utilized to manage portfolio risk and to affect investment strategy. Tax awareness is utilized in portfolio management, but does not drive investment decisions. Investments utilized are generally owned for the long-term, but sometimes positions need to be modified or eliminated in less than one year. Investment consulting advice and financial planning activities are offered to clients as requested; investment consulting is on accounts that Nvest is unable to directly manage (ie: 401K retirement accounts and etc.). Advice is offered via consultation for an hourly fee established prior to work (see Item 5: Fees & Compensation). Portfolios are managed by individual(s) with investment management experience, holding college, graduate, and/or professional designations. We may also employ/utilize individuals with appropriate college and career experience to advise on financial planning, taxes, insurance, and other related financial fields. At this time, Nvest supervised individuals, who manage and advise client portfolios and wealth topics are: Steven G. Henderly, CFA Nvest is granted client authority in the process of managing client portfolios or to assist with other financial matters, to work with custodians, brokerage firms, banks, accountants, lawyers, or insurance agents necessary to implement investment management or other financial planning strategies. These firms and individuals will be of position, quality and sound financial stature to provide ongoing service to our clients and Nvest. Nvest prepares and sends (via mail or internet) quarterly client reports consisting of investment holdings and performance. Typically, the custodian provides monthly reporting of holdings, transactions and investment earnings. Item 17: Voting Client Securities Item 14: Client Referrals and Other Compensation Nvest does not pay or rebate any fees to clients or other individuals for referrals. Item 15: Custody (of Client Assets) Nvest votes proxies on investments held in portfolios on behalf of its clients. As such, we vote in a manner believed to maintain or enhance the value of the investments owned for/by the client. Clients may inquire of Nvest how proxies are being voted, and may share thoughts on issues when inclined. Nvest maintains a record of proxy voting for 12 months. Item 18: Financial Information Nvest Wealth Strategies, Inc. is owned by William Henderly, Steve Henderly, and Jordan Ranly with each owning at least 10%. Nvest is not in partnership with any other financial company or other partners. Its financial position is strong, and accounting is primarily maintained on a cash basis. Nvest is not required by regulators (SEC or Ohio) to provide business financial statements to clients, because it does not custody client assets (which would include collecting prospective fees for services amounting to 6 months or more in advance). The company is an “S” corporation with a calendar year end. Nvest utilizes the custody services of Charles Schwab & Co.; they offer access to every type of investment needed to allow us to invest for client needs and objectives. Nvest may instruct Schwab to deduct our quarterly investment management fees from accounts; this is deemed as limited custody for purposes of collecting quarterly fees. Otherwise, Nvest does not custody client accounts/investments. We are not owned, affiliated, or paid any compensation for recommending that client’s custody their accounts at Charles Schwab & Co. Nvest does not receive value, products or research unique to Nvest or its clients that Schwab does not provide to other investment advisors utilizing Schwab for their client custody. Nvest reconciles client account positions and cost basis with the custodian daily; Schwab prices investments daily; Schwab sends monthly “brokerage” reports to clients, while Nvest sends reconciled quarterly investment reports to clients; these should be compared for accuracy and understanding. Nvest Wealth Strategies, Inc. maintains a website www.NvestWealth.com; you may contact us via email at info@NvestWealth.com. Part 16: Investment Discretion Nvest Wealth Strategies, Inc. hereby verifies that it filed and maintains registration with the FINRA via its national filing system called the IARD. By: Steven G. Henderly, CFA | Nvest Wealth Strategies, Inc. Nvest most often is granted full discretion to make investment changes in client portfolios within the parameters established by a Statement of Investment Policy and Limited Power of Attorney for each client portfolio/account. January 21, 2025 Page 3 of 5  Nvest Wealth Strategies, Inc. Form ADV Part 2A & 2B Disclosures SEC File #139758 January 31, 2026 Form ADV, Part 2B: Brochure Supplement This Brochure Supplement provides information about William G Henderly, CFA that supplements the Nvest Wealth Strategies, Inc. brochure. You should have received a copy of that brochure. Please contact Nvest if you did not receive the firm’s brochure (ADV, Part 2A), or if you have any questions about the contents of this supplement. Additional information about William Henderly is available on the SEC website at www.adviserinfo.sec.gov. William G. Henderly, CFA1 SEC CRD #4373195 Bill is the founding owner of at least 10% of Nvest Wealth Strategies common stock; he remains an advisor to the firm, providing investment advice and counsel to the firm and several clients. Phone: 614-389-4646 Employment Address: 9757 Fairway Drive, Powell, Ohio 43065 Born: 1953 in Cincinnati, Ohio Professional Experience: Nvest Wealth Strategies, Inc. PPC Portfolio Consultants, Inc. Ohio Bureau of Workers Comp since 1977 Investment Advisor/Financial Advisor Founder; beginning March, 2006 Investment/Financial Advisor Chief Investment Officer, Sr. Investment Consultant; October 1994 to September 2009 Director of Investments March 1992 to June 1994 Other Professional Participation: Dave Thomas Foundation for Adoption Investment Advisory Committee member, 2009 - 2011 Education: Xavier University Ohio Northern University Chartered Financial Analyst (CFA) MBA – Finance; 1977 to 1979 BA – Business Administration & Political Science; 1972 to 1976 1983 (Charter #7398) Disclosures: Bill Henderly has no past, current or pending disciplinary, regulatory, criminal, etc issues. Nor are there any financial issues, business activities, additional compensation arrangements that would create a conflict of interest. Nvest and its professionals, via its code of conduct, monitor its employees, officers and owners with respect to advice to its clients and business activities. This Brochure Supplement provides information about Steven G Henderly, CFA that supplements the Nvest Wealth Strategies, Inc. brochure. You should have received a copy of that brochure. Please contact Nvest if you did not receive the firm’s brochure (ADV, Part 2A), or if you have any questions about the contents of this supplement. Additional information about Steve Henderly is available on the SEC website at www.adviserinfo.sec.gov. Steven G. Henderly, CFA1 SEC CRD #6155910 Steve is the principal officer of the firm provides investment advice and management for clients of Nvest Wealth Strategies. Steve is an owner of at least 10% of Nvest Wealth Strategies stock. Phone: 614-389-4646 Employment Address: 9757 Fairway Drive, Powell, Ohio 43065 Born: 1981 in Cincinnati, Ohio. Professional Experience: Nvest Wealth Strategies, Inc. Information Clearinghouse, Inc. Diamond Hill Capital Management since 2004 Investment Advisor/Financial Advisor/Principal November 2006 to present Research Analyst September 2004 to November 2006 Analyst & Trader January 2004 to September 2004 Education: The Ohio State University Chartered Financial Analyst (CFA) BS – Business Administration - Finance; 2000 to 2004 2008 (Charter #100783) Disclosures: Steve Henderly has no past, current or pending disciplinary, regulatory, criminal, etc issues. Nor are there any financial issues, business activities, additional compensation arrangements that would create a conflict of interest. Nvest and its professionals, via its code of conduct, monitor its employees, officers and owners with respect to advice to its clients and business activities. 1 CFA (Chartered Financial Analyst) is a professional designation awarded by the CFA Institute. The CFA Institute promotes the highest standards of ethics, education, and professional excellence for the ultimate benefit of society and financial market integrity. Visit www.cfainstitute.org for information about the requirements and significance of the CFA designation. Page 4 of 5  Nvest Wealth Strategies, Inc. Form ADV Part 2A & 2B Disclosures SEC File #139758 January 31, 2026 This Brochure Supplement provides information about Jordan A. Ranly, CFP® that supplements the Nvest Wealth Strategies, Inc. brochure. You should have received a copy of that brochure. Please contact Nvest if you did not receive the firm’s brochure (ADV, Part 2A), or if you have any questions about the contents of this supplement. Additional information about Jordan Ranly is available on the SEC website at www.adviserinfo.sec.gov. Jordan A. Ranly1 SEC CRD # 7859014 Jordan Ranly is a partner of the firm and provides investment advice and management for clients of Nvest Wealth Strategies. Jordan is an owner of at least 10% of Nvest Wealth Strategies stock. Phone: 614-389-4646 Employment Address: 9757 Fairway Drive, Powell, Ohio 43065 Born: 1980 in Coldwater, Ohio. Professional Experience: Since 2003 Nvest Wealth Strategies, Inc. Investment Advisor/Financial Advisor March 2022 to present Honda of America Mfg. Various Engineering and Supply Chain Roles May 2003 to March 2022 Education: The Ohio State University Ashland University CERTIFIED FINANCIAL PLANNERTM Bachelor's Degree, Mechanical Engineering; 1999 to 2003 Master's Degree, Business Administration and Management; 2006 to 2009 2025 (CFP Board ID#: 449003) Disclosures: Jordan Ranly has no past, current or pending disciplinary, regulatory, criminal, etc issues. Nor are there any financial issues, business activities, additional compensation arrangements that would create a conflict of interest. Nvest and its professionals, via its code of conduct, monitor its employees, officers and owners with respect to advice to its clients and business activities. 1The CERTIFIED FINANCIAL PLANNER™, CFP(R) is a professional, voluntary certification granted by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). It is recognized for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Visit www.cfp.net for information about the requirements and significance of the CFP designation Page 5 of 5