PEBBLE VALLEY WEALTH MANAGEMENT

Pebble Valley Holdings, Inc. d/b/a Pebble Valley Wealth Management Form ADV Part 2A – Disclosure Brochure Effective: April 27, 2026 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Pebble Valley Holdings, Inc. dba Pebble Valley Wealth Management (“PVWM” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at 708-246-2366 or by email at kirk@pvwealthmgt.com. PVWM is a registered investment advisor with the U.S. Securities and Exchange Commission. The information in this Disclosure Brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about PVWM to assist you in determining whether to retain the Advisor. Additional information about PVWM and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 145664. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory Persons of PVWM. PVWM believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. PVWM encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the last annual amendment filing on February 13, 2025 and subsequent update on September 9, 2025: • The Advisor is transitioning from a state-registered advisor to an advisor registered with the U.S. Securities and Exchange Commission (“SEC”). Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 145664. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at 708-246-2366 or by email at kirk@pvwealthmgt.com. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 2  Item 3 – Table of Contents Item 1 – Cover Page ............................................................................................................................................... 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents ..................................................................................................................................... 3 Item 4 – Advisory Services .................................................................................................................................... 4 A. Firm Information .............................................................................................................................................................. 4 B. Advisory Services Offered ............................................................................................................................................... 4 C. Client Account Management ........................................................................................................................................... 5 D. Wrap Fee Programs ........................................................................................................................................................ 5 E. Assets Under Management ............................................................................................................................................. 6 Item 5 – Fees and Compensation ......................................................................................................................... 6 A. Fees for Advisory Services.............................................................................................................................................. 6 B. Fee Billing........................................................................................................................................................................ 7 C. Other Fees and Expenses .............................................................................................................................................. 7 D. Advance Payment of Fees and Termination ................................................................................................................... 8 E. Compensation for Sales of Securities ............................................................................................................................. 8 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 8 Item 7 – Types of Clients ....................................................................................................................................... 8 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................... 8 A. Methods of Analysis ........................................................................................................................................................ 8 B. Risk of Loss ..................................................................................................................................................................... 9 Item 9 – Disciplinary Information ........................................................................................................................ 10 Item 10 – Other Financial Industry Activities and Affiliations .......................................................................... 11 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 11 A. Code of Ethics ............................................................................................................................................................... 11 B. Personal Trading with Material Interest ......................................................................................................................... 11 C. Personal Trading in Same Securities as Clients ........................................................................................................... 11 D. Personal Trading at Same Time as Client .................................................................................................................... 11 Item 12 – Brokerage Practices ............................................................................................................................ 11 A. Recommendation of Custodian[s] ................................................................................................................................. 11 B. Aggregating and Allocating Trades ............................................................................................................................... 12 Item 13 – Review of Accounts ............................................................................................................................. 13 A. Frequency of Reviews ................................................................................................................................................... 13 B. Causes for Reviews ...................................................................................................................................................... 13 C. Review Reports ............................................................................................................................................................. 13 Item 14 – Client Referrals and Other Compensation ........................................................................................ 13 A. Compensation Received by PVWM .............................................................................................................................. 13 B. Compensation for Client Referrals ................................................................................................................................ 14 Item 15 – Custody ................................................................................................................................................. 14 Item 16 – Investment Discretion ......................................................................................................................... 14 Item 17 – Voting Client Securities ....................................................................................................................... 15 Item 18 – Financial Information ........................................................................................................................... 15 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 16 Privacy Policy ....................................................................................................................................................... 23 Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 3  Item 4 – Advisory Services A. Firm Information Pebble Valley Holdings, Inc. d/b/a Pebble Valley Wealth Management (“PVWM” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Corporation under the laws of the State of Illinois. PVWM was founded in January 2008 and is owned and operated by Kirk A. Kreikemeier (Principal, Advisor and Chief Compliance Officer) and Margaret Kreikemeier (Shareholder). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by PVWM. B. Advisory Services Offered PVWM offers investment advisory services to individuals, high net worth individuals, and retirement plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. PVWM's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services PVWM provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. PVWM works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. PVWM will then construct an investment portfolio, consisting of low-cost, diversified mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, bonds or options contracts to meet the needs of its Clients. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. PVWM’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. PVWM will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. PVWM evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. PVWM may recommend, on occasion, redistributing investment allocations to diversify the portfolio. PVWM may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. PVWM may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Under certain circumstances, PVWM may accept or maintain custody of Client’s funds or securities. Please see Item 15 – Custody for more information. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 4  assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Financial Planning Services PVWM will typically provide a variety of financial planning services to Clients, pursuant to a written financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan based on the Client’s financial goals and objectives. This planning may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, tax planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. A financial plan developed for the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. PVWM may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. Plans are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. C. Client Account Management Prior to engaging PVWM to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – PVWM, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. • Asset Allocation – PVWM will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. • Portfolio Construction – PVWM will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – PVWM will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs PVWM does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by PVWM. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 5  E. Assets Under Management As of December 31, 2025, PVWM manages $129,482,696 in Client assets, all of which are managed on a discretionary basis. PVWM has assets under advisement of $61,941,273. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Comprehensive or Base Financial Planning with Investment Management Services Comprehensive or Base Financial Planning with Investment Advisory fees are paid quarterly, in arrears of each calendar quarterly, pursuant to the terms of the Comprehensive financial planning with investment advisory agreement. Comprehensive financial planning with investment advisory fees are based on the market value of assets under management at the end of the calendar quarter. Comprehensive financial planning with investment advisory fees are based on the following schedule: Assets Under Management * ($) Annual Rate (%) 1.00% 0.75% 0.50% Up to the first $1,000,000, then on the next 2,000,000, then on balances above 3,000,000. *A minimum of $500,000 of assets under management is required for this service. For assets below $500,000, base financial planning with investment advisory fees are based on a fixed annual planning fee of $2,200 billed quarterly plus the market value of assets under management at the end of each month in the previous calendar quarter at an annual rate of 0.70% ($750 minimum asset-based fee per year). The comprehensive or base financial planning with investment advisory fee in the first month of service is prorated from the inception date of the account[s] to the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by PVWM will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. Investment Management Services Investment advisory fees are paid quarterly, in arrears of each calendar quarterly, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the calendar quarter. Investment advisory fees are based on the following schedule: Assets Under Management * ($) Annual Rate (%) 0.75% 0.60% 0.45% Up to the first $1,000,000, then on the next 2,000,000, then on balances above 3,000,000. *A minimum of $250,000 of assets under management is required for this service. For assets below $250,000, an Investment Management Service is available using only exchange-traded funds and no option strategies with the same fee structure above but a minimum of $750 per year, billed quarterly. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 6  The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by PVWM will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. Financial Planning Services PVWM offers financial planning services for a fixed engagement fee ranging from $4,100 to $10,000 per engagement based on total net worth and complexity of the Client. Fees may be negotiable based on the nature and complexity of the services to be provided at the sole discretion of the Advisor. An estimate for total costs will be determined prior to engaging for these services. B. Fee Billing Investment Management Services Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian or paid directly by the Client. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] or paid directly by the Client at the respective end date. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with PVWM at the end of each quarter plus the quarterly portion of any annual fixed fee if applicable. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are urged to also review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to be deducted by PVWM to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Financial Planning Services Financial planning fees are invoiced by the Advisor and are due upon completion of the agreed upon deliverable[s]. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than PVWM, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian, as applicable. The Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity trades in a Client's account, provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds and other types of investments. The fees charged by PVWM are separate and distinct from these custody and execution fees. In addition, all fees paid to PVWM for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of PVWM, but would not receive the services provided by PVWM which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by PVWM to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 7  D. Advance Payment of Fees and Termination Investment Management Services PVWM may be compensated for its investment management services at the end of the Quarter after services are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Financial Planning Services PVWM is compensated for its financial planning services upon completion of the engagement deliverable[s]. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for the percentage of the engagement scope completed by the Advisor. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities PVWM does not buy or sell securities to earn commissions and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Item 6 – Performance-Based Fees and Side-By-Side Management PVWM does not charge performance-based fees for its investment advisory services. The fees charged by PVWM are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. PVWM does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients PVWM offers investment advisory services to individuals, high net worth individuals, and retirement plans. PVWM has different minimum relationship sizes for the various services offered. PVWM generally requires a minimum relationship size of $500,000 for Comprehensive Financial Planning with Investment Management. For Investment Management Services, PVWM generally requires a minimum relationship size of $250,000. PVWM does offer services for relationship sizes below these amounts as discussed in Item 5. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis PVWM manages Client’s assets and/or provides investment advice within an asset allocation framework. Securities are analyzed and selected to deliver exposure to the asset classes identified, primarily using exchange- traded funds (ETF) and mutual funds, though individual stocks or bonds or other structues may also be used. PVWM employs fundamental and technical analysis methods in developing investment strategies for its Clients. Research and analysis from PVWM are derived from numerous sources, including third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists generally of ratios and trends that may indicate the overall strength and financial viability of the entity being Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 8  analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market relative to other assets. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that PVWM will be able to accurately predict such a reoccurrence. As noted above, PVWM generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. PVWM will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, PVWM may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. PVWM will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment strategies: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid- ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 9  dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e. the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e. the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e. the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e. the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e. the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Options Contracts Use of options contracts have the risk of losing value in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of a single contract to control or hedge many shares of an underlying stock or ETF. This leverage can compound gains or losses. Margin Borrowings The use of short-term margin borrowings may result in certain additional risks to a Client. For example, if securities pledged to brokers to secure a Client's margin accounts decline in value, the Client could be subject to a "margin call", pursuant to which it must either deposit additional funds with the broker or be the subject of mandatory liquidation of the pledged securities to compensate for the decline in value. Digital Assets Risks Digital assets are highly speculative and volatile investments that may become illiquid at any time. Digital assets are loosely regulated. Clients could lose the entire value of their investment in digital assets and is only suitable for Clients with medium to high risk tolerance. To mitigate the regulatory risks, we mostly utilize exchange-traded funds and the size of the overall portfolio allocation. Asset Allocation / Strategy / Diversification Risks The asset classes in which the strategies seek investment exposure can perform differently from each other at any given time (as well as over the long term), so the strategies will be affected by its allocation among the various asset classes. The asset allocation decisions can result in more account concentration in a certain asset class or classes, which could reduce overall return if the concentrated assets underperform expectations. Depending on market conditions there may be times where diversified Clients’ accounts perform worse than less diversified Clients’ accounts. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving PVWM or its management persons. PVWM values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor or Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 145664. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 10  Item 10 – Other Financial Industry Activities and Affiliations The sole business of PVWM is to provide investment advisory services to its Clients. Neither PVWM nor its Advisory Persons are involved in other business endeavors. PVWM does not maintain any affiliations with other firms, other than contracted service providers to assist with the servicing of its Client’s accounts. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics PVWM has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with PVWM (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. PVWM and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of PVWM’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at 708-246-2366 or via email at kirk@pvwealthmgt.com. B. Personal Trading with Material Interest PVWM allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. PVWM does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. PVWM does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients PVWM allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by conducting a coordinated review of personal accounts and the accounts of the Clients. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While PVWM allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterwards. At no time will PVWM, or any Supervised Person of PVWM, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] PVWM does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize PVWM to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, PVWM does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade- by-trade basis. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 11  Where PVWM does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the Custodian recommended by the Advisor and will not incur any extra fee or cost associated with using a custodian not recommended by PVWM. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. PVWM may recommend the Custodian based on criteria such as, but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, and its reputation and/or the location of the Custodian’s offices. Altruist One Program PVWM may subscribe select client accounts to participate in the Altruist One Program (“Altruist One”) offered by Altruist Corp, the parent company of Altruist Financial LLC, a SEC registered broker dealer and FINRA/SIPC member and Altruist LLC, an SEC-registered investment adviser (collectively, “Altruist”). Under this program, PVWM may enroll client account(s) into a bundled subscription offering that provides certain benefits in exchange for a monthly fee. The monthly fee is passed to the client(s) subscribed to Altruist One. The cost and fee calculation methodology are detailed in the Altruist One Terms of Use, which is available on altruist.com/legal. Benefits provided under this program may include: • Higher interest rates on cash balances. • Waived or discounted transaction fees for mutual funds, fixed income, and other securities. • Waived or discounted fees for automated tax management tools. • Waived or discounted fees to access model portfolios. Only clients enrolled in Altruist One will have access to these benefits. Altruist One may not be suitable for all clients of PVWM. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. PVWM does not participate in soft dollar programs sponsored or offered by any broker- dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see Item 14 below. 2. Brokerage Referrals - PVWM does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where PVWM will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). PVWM will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. PVWM will execute its transactions through the Custodian as authorized by the Client. PVWM may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Clients’ accounts. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 12  Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Kirk Kreikemeier, Chief Compliance Officer of PVWM. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. Financial Planning Clients Financial planning is a process that reviews and revisits the Client’s situation on an ongoing basis. Reviews may be more or less frequent depending on each Client’s situation and financial circumstances but are generally conducted at least annually. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify PVWM if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by PVWM PVWM is a fee-based advisory firm, that is compensated solely by its Clients and not from any investment product. PVWM does not receive commissions or other compensation from product sponsors, broker-dealers or any un-related third party. PVWM may refer Clients to various unaffiliated, non-advisory professionals (e.g. attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, PVWM may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform - Schwab PVWM has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a division of Schwab dedicated to serving independent advisory firms like PVWM. As a registered investment advisor participating on the Schwab Advisor Services platform, PVWM receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Schwab. Services provided by Schwab Advisor Services benefit the Advisor and many, but not all services provided by Schwab will benefit Clients. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a potential conflict of interest since these benefits may influence the Advisor’s recommendation of this custodian over one that does not furnish similar software, systems support, or services. Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client’s funds and securities. Through Schwab, the Advisor may be able to access certain investments and asset classes that the Client would not be able Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 13  to obtain directly or through other sources. Further, the Advisor may be able to invest in certain mutual funds and other investments without having to adhere to investment minimums that might be required if the Client were to directly access the investments. Services that May Indirectly Benefit the Client – Schwab provides participating advisors with access to technology, research, discounts and other services. In addition, the Advisor receives duplicate statements for Client accounts, the ability to deduct advisory fees, trading tools, and back office support services as part of its relationship with Schwab. These services are intended to assist the Advisor in effectively managing accounts for its Clients, but may not directly benefit all Clients. Services that May Only Benefit the Advisor – Schwab also offers other services and support to PVWM that may not benefit the Client, including: educational conferences and events, financial start-up support, consulting services and discounts for various service providers. Access to these services creates a financial incentive for the Advisor to recommend Schwab, which results in a potential conflict of interest. PVWM believes, however, that the selection of Schwab as Custodian is in the best interests of its Clients. Participation in Institutional Advisor Platform - Altruist PVWM has established an institutional relationship with Altruist to assist the Advisor in managing Client account[s]. The Advisor receives access to software and related support cost because the Advisor renders investment management services to Clients that maintain assets at Altruist The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a potential conflict of interest since these benefits may influence the Advisor’s recommendation of this Custodian over one that does not furnish similar software, systems support, or services. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody All Clients must maintain their accounts with a “qualified custodian,” as described in Item 12 – Brokerage Practices. PVWM is considered to have custody under the following circumstances and is consequently required to undergo an annual surprise examination. Client Login Credentials – PVWM is deemed to have custody over certain Client accounts and/or securities as part of their access to Client login credentials. As such, the Advisor has engaged an independent accounting firm to perform an annual surprise examination of those assets and accounts. Any related opinions issued by an independent accounting firm are filed with the SEC and are publicly available on the SEC’s Investment Adviser Public Disclosure website ( http://adviserinfo.sec.gov ). The Advisor is authorized to deduct its fees from the Client’s account[s] at the Custodian. The Client must place all assets with a “qualified custodian”. The Client is required to engage the Custodian to retain all funds and securities and direct the Advisor to utilize that Custodian for security transactions in the account[s]. The Client should review statements provided by the Custodian, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. If the Client gives the Advisor authority to move money from one account to another account, the Advisor may have custody of those assets. In order to avoid additional regulatory requirements, the Custodian and the Advisor have adopted safeguards to ensure that the money movements are completed in accordance with the Client’s instructions. Item 16 – Investment Discretion Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 14  PVWM generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by PVWM. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by PVWM will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities PVWM does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither PVWM, nor its management, have any adverse financial situations that would reasonably impair the ability of PVWM to meet all obligations to its Clients. Neither PVWM, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. PVWM is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 15  Form ADV Part 2B – Brochure Supplement for Kirk A. Kreikemeier, CFP®, CFA, FSA Principal, Advisor and Chief Compliance Officer Effective: April 27, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Kirk A. Kreikemeier CFP®, CFA, FSA (CRD# 5461862) in addition to the information contained in the Pebble Valley Holdings, Inc. dba Pebble Valley Wealth Management (“PVWM” or the “Advisor”, CRD# 145664) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the PVWM Disclosure Brochure or this Brochure Supplement, please contact us at 708-246-2366 or by email at kirk@pvwealthmgt.com. Additional information about Mr. Kreikemeier is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5461862. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 16  Item 2 – Educational Background and Business Experience Kirk A. Kreikemeier, CFP®, CFA, FSA, born in 1965, is dedicated to advising Clients of PVWM as the Principal, Advisor and Chief Compliance Officer. Mr. Kreikemeier earned a Bachelor of Science in Business Administration from the University of Nebraska - Lincoln in 1988. Additional information regarding Mr. Kreikemeier’s employment history is included below. Employment History: 01/2008 to Present Pebble Valley Wealth Management, Principal, Advisor and Chief Compliance Officer Allstate Investments, Portfolio Manager CNA Insurance Companies, Actuary 03/1999 to 12/2007 02/1989 to 03/1999 CERTIFIED FINANCIAL PLANNER® Professional (Since 2011) I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and I may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. 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® Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 17  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. Chartered Financial Analyst™ (“CFA®”) (Since 2002) The Chartered Financial Analyst™ (“CFA®”) charter is a professional designation established in 1962 and awarded by CFA® Institute. To earn the CFA® charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA® Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. Also, CFA® charter holders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm their adherence to the CFA® Institute Code of Ethics and Standards of Professional Conduct. CFA® is a trademark owned by CFA® Institute. Fellow of the Society of Actuaries (FSA) (Since 1997) This designation is offered by the Society of Actuaries. To obtain the FSA designation, candidates must successfully complete a series of exams. The exam requirements initially were 10 exams, later converted to 450 credits plus a Fellowship Admissions Course covering practical applications and ethics (when Mr. Kreikemeier attained the designation) and is currently a combination of exams, educational experience validation and a professionalism course. Fellowship candidates choose a specialty track and complete the requirements of that track. Mr. Kreikemeier chose the Investment track. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Kreikemeier. Mr. Kreikemeier has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Kreikemeier. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Kreikemeier. However, we do encourage you to independently view the background of Mr. Kreikemeier on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5461862. Item 4 – Other Business Activities Mr. Kreikemeier is dedicated to the investment advisory activities of PVWM’s Clients. Mr. Kreikemeier does not have any other business activities. Item 5 – Additional Compensation Mr. Kreikemeier is dedicated to the investment advisory activities of PVWM’s Clients. Mr. Kreikemeier does not receive any additional forms of compensation. Item 6 – Supervision Mr. Kreikemeier serves as the Principal, Advisor and Chief Compliance Officer of PVWM. Mr. Kreikemeier can be reached at 708-246-2366. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 18  PVWM has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of PVWM Further, PVWM is subject to regulatory oversight by various agencies. These agencies require registration by PVWM and its Supervised Persons. As a registered entity, PVWM is subject to examinations by regulators, which may be announced or unannounced. PVWM is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 19  Form ADV Part 2B – Brochure Supplement for Allison D. Meers, CFP® Advisor Effective: April 27, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Allison D. Meers, CFP® (CRD# 5888719) in addition to the information contained in the Pebble Valley Holdings, Inc. dba Pebble Valley Wealth Management (“PVWM” or the “Advisor”, CRD# 145664) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the PVWM Disclosure Brochure or this Brochure Supplement, please contact us at 708-246-2366 or by email at kirk@pvwealthmgt.com. Additional information about Mrs. Meers is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5888719. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 20  Item 2 – Educational Background and Business Experience Allison D. Meers, CFP®, born in 1985, is dedicated to advising Clients of PVWM as an advisor. Mrs. Meers earned a Bachelor in Business Administration from the University of Georgia - Athens in 2008. Additional information regarding Mrs. Meers’s employment history is included below. Employment History: Pebble Valley Wealth Management, Advisor CIBC Private Wealth, Associate Relationship Manager Invesco Ltd, Trust Officer Mercer Investment Consulting, Analyst 02/2021 to Present 12/2012 to 02/2021 01/2011 to 12/2012 06/2008 to 01/2011 CERTIFIED FINANCIAL PLANNER® Professional (Since 2016) I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and I may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. 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® Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 21  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 There are no legal, civil or disciplinary events to disclose regarding Mrs. Meers. Mrs. Meers has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Meers. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Meers. However, we do encourage you to independently view the background of Mrs. Meers on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5888719. Item 4 – Other Business Activities Mrs. Meers is dedicated to the investment advisory activities of PVWM’s Clients. Mrs. Meers does not have any other business activities. Item 5 – Additional Compensation Mrs. Meers is dedicated to the investment advisory activities of PVWM’s Clients. Mrs. Meers does not receive any additional forms of compensation. Item 6 – Supervision Mrs. Meers serves as an advisor of PVWM and is supervised by Kirk A. Kreikemeier, the Chief Compliance Officer. Mr. Kreikemeier can be reached at 708-246-2366. PVWM has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of PVWM Further, PVWM is subject to regulatory oversight by various agencies. These agencies require registration by PVWM and its Supervised Persons. As a registered entity, PVWM is subject to examinations by regulators, which may be announced or unannounced. PVWM is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 22  Privacy Policy Effective: April 27, 2026 Our Commitment to You Pebble Valley Holdings, Inc. dba Pebble Valley Wealth Management (“PVWM” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. PVWM (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. PVWM does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 23  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No No Not Shared Yes Yes No Not Shared Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes PVWM does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where PVWM or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Information About Former Clients PVWM does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at 708-246-2366 or via email at kirk@pvwealthmgt.com. Pebble Valley Wealth Management 4365 Lawn Avenue, Suite 5, Western Springs, IL 60558 Phone: 708-246-2366 https://www.pvwealthmgt.com/ Page 24