RIVER'S EDGE

Item 1: Cover Page Registered as: River’s Edge Wealth Management Wealth Management, LLC 525 3rd Street, Suite 200 | Beaver, PA 15009 (412) 526-8939 www.riversedgewm.com Part 2A of Form ADV: Firm Disclosure Brochure April 27, 2026 This brochure provides information about the qualifications and business practices of River’s Edge Wealth Management. If you have any questions about the contents of this brochure, please contact us at (412) 526-8939. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission, the Pennsylvania Department of Banking and Securities or by any other state securities authority. Additional information about River’s Edge Wealth Management also is available on the SEC's website at www.adviserinfo.sec.gov. Registration does not imply any level of skill or training. Page 1 of 47  Item 2: Material Changes This Firm Brochure is the disclosure document for River’s Edge Wealth Management (the "Company," "we" and/or the "firm") prepared according to regulatory requirements and rules. The Company is required to amend this Brochure when information becomes materially inaccurate. There are no material changes to disclose. This brochure was last filed on December 15, 2025. We will provide you with an updated Brochure on an annual basis. We will also provide you with other interim disclosures about material changes to the information provided in this Brochure as necessary or required. To receive a copy of the current Brochure, please contact us at (412) 526-8939. We will be happy to provide you with a complete copy. Page 2 of 47  Item 3: Table of Contents Item 1: Cover Page 1 Item 2: Material Changes 2 3 Item 3: Table of Contents 4 Item 4: Advisory Business 9 Item 5: Fees and Compensation 11 Item 6: Performance-Based Fees and Side-by-Side Management 11 Item 7: Types of Clients Item 8: Methods of Analysis, Investment Strategies, and Risk of Loss 11 Item 9: Disciplinary Information 14 Item 10: Other Financial Industry Activities and Affiliations 14 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading 15 Item 12: Brokerage Practices 16 Item 13: Review of Accounts 19 Item 14: Client Referrals and Other Compensation 20 Item 15: Custody 22 Item 16: Investment Discretion 23 Item 17: Voting Client Securities 24 Item 18: Financial Information 24 Appendix-1 Wrap Fee Program Brochure 25 ADV 2B – Individual Disclosure Brochure (Jake G. McCracken) 32 ADV 2B – Individual Disclosure Brochure (Trevor M. York) 36 ADV 2B – Individual Disclosure Brochure (Quinn J. Paul McCracken) 40 ADV 2B – Individual Disclosure Brochure (Jacob C. McConnell) 44 Page 3 of 47  Item 4: Advisory Business Description of the Firm River’s Edge Wealth Management is organized as a Pennsylvania limited liability company founded in 2021 with its principal place of business in Pennsylvania. We will also do business under the trade name "River’s Edge Wealth Management." • Jake McCracken is the 100% owner of the Company. Description of Services Offered The following paragraphs describe the services offered by the Company. Please refer to the following paragraphs for more detail about the specific service, and how we tailor our services to your individual needs. As used in this Brochure, the words "our" and "us" also refer to the Company. The words "you", "your", or "client" refer to our clients and prospective clients. Other terms may be defined later in this Brochure as well. Investment Philosophy Our investment philosophy is driven by a thorough understanding of our clients’ needs, future goals, and appetites for risk. Only then can we devise a custom asset allocation strategy that delivers results. Our strategy balances asset allocation, tax efficiency, and cost-effectiveness with evidence-based and goal- driven investing. Ongoing client communication assures flexibility and adaptability to meet the ever- changing market landscape, as well as changes in a client’s personal situation and goals. Preserve Capital, Reduce Risk Global, Independent Resources Simple, Evidence-based, and Cost-Efficient Solutions a variety of As an independent firm, our clients reap the benefits of the ability we have to investment source opportunities and advanced thought leadership from around the world. When it comes to investing, simplicity is indeed sophistication. Simplifying the investment process and the methods used is a hallmark of how the firm performs investing. Additionally, our firm adheres to using evidence-based investing principles of wealth building, favoring a cost-efficient, passive-tilted, tax-smart approach. capital accumulation At River’s Edge Wealth Management, our goal is to design and implement diverse portfolios to reduce risk and enhance return over the long-term. Our emphasis is on managing for risk and planning for long-term appreciation, not on short-term portfolio performance. We’ve found that thoughtful, time-tested strategies deliver best for sustained long- term and preservation. Investment Advisory Services The Company offers continuous and ongoing investment advice and portfolio management services. Our advice and services are tailored to meet our client's individual needs, life circumstances and investment goals. We have discussions with the client to determine the client's investment objectives, risk tolerance, time horizons and liquidity needs. We use the information we gather to create an individualized investment portfolio for the client. We may allow clients to impose reasonable restrictions and guidelines on investing in certain securities, types of securities or industry sectors. We expect all such restrictions to be communicated to us in a timely manner. Client restrictions and guidelines may negatively affect investment performance. We also expect clients to inform us of any changes to their financial circumstances, investment objectives or risk tolerance, or of any modifications or restrictions that should be imposed on the management of the client's account. In this manner, we can better serve our clients' needs. Account management and supervision is guided by the client's investment portfolio and market conditions. Page 4 of 47  We manage clients' investment accounts on a discretionary basis. Once we construct an investment portfolio for a client, we will monitor the portfolio's performance on an ongoing and continuous basis, unless otherwise agreed, and will make adjustments and reallocations as necessary due to changes in market conditions and the client's circumstances as communicated to us. For our discretionary asset management services, the Company will receive a limited power of attorney to effect securities transactions on behalf of a client. Pursuant to an agreement with a client, we may agree to limitations on our discretionary authority. Such limitations would not be typical however. We explore different types of investment options and strategies in the design of a client's customized investment portfolio. Our investment recommendations are not limited by any specific product or service offered by a broker-dealer or custodian. These recommendations will generally include, but not necessarily be limited to, security types from the following list: • Mutual fund shares • Separately managed accounts • Exchange traded fund shares • Money market funds and other cash instruments • Public securities • Debt securities Each type of security has its own unique set of risks associated with it, and it would not be possible to list here all of the specific risks of every type of investment. Even within the same type of investment, risks can vary widely. However, in very general terms, the higher the anticipated return of an investment, the higher the risk of loss associated with it. Because some types of investments involve certain additional degrees of risk, they will only be recommended and implemented when consistent with the client's investment portfolio. Although we may discuss private equity securities with a client and review private placement memorandums at the client's request, we will not make specific recommendations as to whether a client should buy, sell or hold private equity securities. Direct Indexing Direct indexing is an investment strategy in which the underlying securities of a market index are directly bought and sold instead of buying shares of an index mutual fund or an exchange-traded fund (ETF). This approach allows investment portfolios to exclude certain stocks and/or overweight others based on specific criteria. Advisor uses direct indexing as a tax-loss harvesting strategy, where securities are sold at a loss to offset capital gains taxes. This program is generally for non-qualified accounts only and generally requires a minimum investment amount of $100,000. Financial Planning Services The Company also provides financial planning services. Such services include a comprehensive evaluation of a client's financial situation by using currently known facts and variables. We create a financial plan for the client, which is designed to assist the client to achieve financial goals and objectives. We may also prepare reports at the client's request. A financial plan may address one or more of the following areas: • Financial Position: Understanding of a client's current financial situation. Sources of evaluation include income, expenses, assets, liabilities, etc. • Investment Planning: Determining the most suitable way to structure investments to meet financial goals, and determine the appropriate account type (e.g., joint tenants, IRA, Roth IRA, etc.) Page 5 of 47  • Income Tax Planning: Evaluating the current tax situation to help minimize a client's taxes and find more profitable ways to use the extra income generated. • Retirement Planning: Assessing retirement needs to help a client determine how much to accumulate, as well as distribution strategies designed to create a source of income during retirement years. • Credit Planning: Evaluating a client's credit needs. • Insurance Planning and Risk Management: Evaluating the client's insurance needs and reviewing insurance policies and the like. • Estate Planning: Reviewing the client's cash needs at death, income needs of surviving dependents and estate planning goals. • Education Planning: Reviewing the educational needs for the client and his/her family, along with planning for educational expenses. • Long Term Care / Health Insurance Planning: Reviewing long-term care needs and Medicare surcharge planning. • Student Loan Planning: Analyzing loan payments plans, and refinancing and loan forgiveness analysis. • Tax Efficiency Planning: Analyzing tax loss harvesting techniques, tax diversification, and tax bracket management, and engage in tax minimization planning. We gather information through interviews and review of documents provided by the client. The information gathered includes the client's current financial status, future goals, investment objectives, tax status, risk tolerance and family circumstances. Typical financial planning services include one or more of each of the aforementioned service components. A financial plan may require the services of a specialist such as an insurance specialist, attorney, or tax accountant. The Company does not provide these services. We may recommend third- party service providers, but the client is under no obligation to use any service provider recommended by us. Likewise, the client is under no obligation to act on our financial planning recommendations. The Company does not receive referral or other fees from third-party service providers. Certain of the Company's advisors are licensed insurance agents and may, on an individual basis, receive commissions on the sale of insurance products. Financial plans are based on the client's financial situation at the time we present the financial plan to the client, and on the information provided to us. The client must promptly notify us if his/her financial situation, goals, objectives or needs change. Certain assumptions may be made with respect to interest rates, inflation rates, and use of past trends and performance of the market and economy. Past performance is in no way an indication of future performance. We cannot offer any guarantees or promises that a client's financial goals will be met. Educational Seminars and Contract Review The Company may periodically offer educational seminars and/or workshops for clients, prospective clients, business professionals, and others. Although these seminars may address financial planning, tax planning strategies, money management and investment and retirement planning, the content of these seminars will Page 6 of 47  vary depending upon the needs of the attendees. These seminars are purely educational in nature and do not involve the sale of any investment products. The information presented will not be based on any individual's personal needs, nor do we provide individualized investment advice to attendees during these seminars. At the request of a client, the Company may review employment-related contracts for its physician clients and discuss the same with the applicable clients. • The Company does not, however, render legal advice. Clients must engage qualified legal professionals for legal advice. Retirement Plan Rollovers An employee generally has four (4) options for their retirement plan when they leave an employer: 1. Leave the money in his/her former employer’s plan, if permitted 2. Rollover the assets to his/her new employer’s plan if one is available and permitted 3. Rollover to an Individual Retirement Account (IRA), or 4. Cash out the account value, which has significant tax considerations When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. River’s Edge Wealth Management also provides educational services pertaining to retirement plan assets that could potentially be rolled over to an IRA managed by the firm. Education is based on a particular Client’s financial circumstances. River’s Edge Wealth Management has an incentive to recommend such a rollover based on the compensation received, which is mitigated by the fiduciary duty to act in a Client’s best interest and acting accordingly. Wrap Fee Programs Wrap fee programs offer services where individual fees that could be charged separately are combined. The Company sponsors a wrap fee program for retail investment management clients where the Company has discretionary management. The company does not offer non-wrap fee accounts for retail investment management clients where the Company has discretionary management. Under the wrap fee program offered, clients will pay a single advisory fee (see Item 5) to the Company for investment advisory services provided by the Company and certain custody and brokerage services provided by a qualified custodian. Exceptions to coverage of brokerage related and outside fees are set forth in the Wrap Fee Program Brochure. The Company pays the custodial fee, if any. For accounts held at Fidelity the custodial fee is currently $15/quarter/account paid by the Company based on the Company’s contract with Fidelity. The company also pays certain execution and clearing fees associated with transactions in the client's accounts, if any. For accounts held at Fidelity there are often no execution and clearing fees associated with transactions in the client’s accounts due to holding securities that trade commission-free with the custodian. The advisory fee is based on the assets under management in the wrap fee accounts. The Company offers its wrap fee program to all discretionary asset based advisory clients who (1) custody their assets and establish a brokerage account, and (2) pay an advisory fee based on a percentage of assets Page 7 of 47  under management with the Company. Further information about our wrap fee program is included in our Wrap Fee Program Brochure – see Appendix 1. Assets Under Management Assets under management will be amended at least annually as of the fiscal year end. As of 01/28/2026 River’s Edge manages assets as disclosed below. Assets under Management (01/28/2026) Discretionary $152,160,143 Non-Discretionary $4,926,533 Total $157,086,676 Information Regarding Conflicts of Interest The Company may have actual or potential conflicts of interest arising from our advisory services. These may include, but are not limited to: • Conflicts related to one or more of our investment advisor representatives also being licensed as an independent insurance agent through licensed insurance brokers. For further information, please refer to Item 10 below. • Conflicts related to investing in securities recommended to clients and contemporaneous trading of securities (i.e., personal trading) by the Company or its related persons. Please refer to Item 11 for further information. • Conflicts related to the wrap program. Please see Wrap Fee Program Brochure. Actual or potential conflicts of interest generally can be addressed in a number of ways, including, but not limited to, the following: • We prohibit the conduct that gives rise to the conflict of interest; • We put our clients' bests interests ahead of our own; • We give a received benefit to a client; • We implement procedures to prevent a person from gaining knowledge that may give rise to a conflict; • We establish benchmarks and parameters for conduct that are designed to protect client interests or limit the benefit that creates the conflict of interest; • We disclose the conflict of interest to our clients; and/or • We set a de minimis threshold for benefits that are considered too small to influence conduct and are therefore permitted. The Company has adopted a Code of Ethics. (Please refer to Item 11 below for further information on our Code of Ethics). We also have policies and procedures in place to mitigate and address conflicts of interest. We believe that such policies and procedures are reasonably designed to treat clients equitably and to advance the best interests of the clients. The clients' best interests are paramount in any situation involving a conflict of interest. Advisor uses AI for real-time note-taking during web calls to enhance accuracy, efficiency, and productivity. The AI tool transcribes spoken content, generates summaries, and identifies key takeaways from web-based calls. Participants are informed of AI usage and have the right to opt out of AI-generated note-taking during web-based calls. Should a client have any questions or concerns, please contact us at our email address, phone number, or through our website. Page 8 of 47  By leveraging AI technology, Advisor can enhance their analytical capabilities, deliver more personalized services, improve operational efficiency, and ultimately provide better outcomes for their clients. However, while AI offers significant advantages, Advisor maintains human oversight to ensure that AI-driven functions align with clients' best interests and fiduciary requirements. Item 5: Fees and Compensation Investment Advisory Services The Company's fee for our investment advisory services will be charged as a percentage of assets under management with us, according to the following schedule: Assets Under Management $0 to 500,000 $500,001 to $1,000,000 $1,000,001 to $3,000,000 $3,000,001 to $10,000,000 $10,000,001 to $20,000,000 $20,000,001 to $50,000,000 More than $50,000,000 Annual Fee Rate 1.4% 1.0% .80% .60% .50% .40% .30% Although the Company has established the above fee schedule, we may negotiate other fee schedules depending on the size of the account, type of account, the level of client service required and other factors we consider relevant, including timing of client relationship. The specific annual fee being charged to the client will be set forth and identified in an agreement between the Company and that client. Asset-based fees are always subject to the management agreement between the client and the Company. • The Company typically imposes a minimum of $6,000 in annual fees, which include a combination of asset management and/or financial planning fees. However, this minimum amount is negotiable under certain circumstances. • Wrap fee accounts and non-wrap accounts are subject to the same fee schedule, but at this time the Company does not offer non-wrap accounts to retail investment management clients. Fees are charged quarterly in advance based on the market value of the client's account(s), generally as determined by the custodian, on the last business day of the quarter; additionally, fees are charged on a pro- rated basis in arrears based on deposits into client’s accounts during the previous quarter, and are refunded on a pro-rated basis in arrears based on withdrawals out of client’s accounts during the previous quarter. For partial quarters, fees are pro-rated. All unearned fees will be refunded to the client in the event the client terminates our services. Unless other arrangements are made, fees are directly debited from a client's account(s), and each client is required to provide the qualified custodian of the client's account(s) written authorization to deduct the fees described. Cash and assets which are invested in shares of mutual funds and exchange-traded funds are included in the calculation of the value of the client's assets under management with us for purposes of computing our fee. Cash and money market accounts are also included in the computation. A client's margin balance is typically included when calculating assets under management with us. This will be in addition to any margin interest being paid by the client. The custodian sends the client a statement, at least quarterly, indicating the amount of our fees and all Page 9 of 47  amounts disbursed from the account to the Company for our fees. The client is responsible for verifying the accuracy of the fee calculation, as the custodian will not verify the calculation. Payment of fees may result in the liquidation of client's securities if there is insufficient cash in the client's account(s). In some circumstances, the client may require the services of a specialist such as an attorney or accountant since we do not provide any legal, tax or accounting advice. The Company may recommend third-party service providers, but the client is under no obligation to use any service provider recommended by the Company. Fees for specialists will be negotiated between the client and specialist directly, and we would not be involved. Direct Indexing Fee Accounts managed using a direct indexing strategy are subject to an additional asset management fee of up to 0.25%, which is in addition to the percentage of assets under management advisory fee disclosed above. Financial Planning Services For clients who retain the Company for its investment advisory services, there is no separate fee for the Company's financial planning services. Others may retain the Company for only financial planning, and for those persons our financial planning fees are based on the nature of the services being provided, who is providing the services and the complexity of the client's circumstances. Financial planning fees are generally calculated and charged on a flat fee basis from $2,500 to $7,500 per engagement, but with a minimum charge of $2,500. Financial planning fees are negotiable. The Company may reduce or waive the financial planning fees in certain circumstances. We provide you with an exact fee quote before you authorize us to begin our work. The specific financial planning fee being charged to the client will be set forth and identified in an agreement between the Company and that client. Although the length of time it will take to provide a financial plan depends on each client's personal situation, we will provide a timing estimate at the start of the planning relationship. For those who will be charged for financial planning, we will invoice the client for ½ of the services when we start the work and the remainder of the fees will generally be due and payable upon delivery of the completed financial plan to the client. All plans will be completed within six months unless otherwise agreed. Clients are eligible for reimbursement of unearned prepaid fees in the event of early termination. In some circumstances, the financial plan may require the services of a specialist such as an insurance specialist, attorney or tax accountant. The Company does not provide any of these services. The Company may recommend third-party service providers, but the client is under no obligation to use any provider recommended by us. Fees for specialists will be negotiated between the client and specialist directly. Educational Seminars and Contract Review The fee for attending an educational seminar is between $500 and $2,500. The specific fee will be clearly detailed in the agreement between the Company and the client. We do not charge any physician client any fee for providing contract review services provided that such person is then receiving investment advisory services from us. General Information An investment management agreement may generally be terminated at any time, by us or the client, for any reason upon prior written notice. The timing is specified in the client management agreement between the Company and the client. In addition, if a client receives this Brochure at the time the client enters into the investment management agreement, the client has the right to terminate the agreement within 5 business days of entering it by giving written notice of such termination to Company without penalty or fees of any kind. Page 10 of 47  • The Company has a fiduciary duty to all its clients and will put the client's best interests first. All conflicts of interests should be disclosed to the client. • Clients should be aware that similar advisory services may or may not be available from other investment advisors for similar or lower fees. • Under no circumstances do we require or solicit payment of fees in excess of $500 more than six months in advance of services rendered. Item 6: Performance-Based Fees and Side-by-Side Management We do not charge performance-based fees or participate in side-by-side management. Performance-based fees are fees which are based on the share of capital gain or capital appreciation of a client's account. Side-by-side management refers to the practice of managing accounts that are charged performance-based fees while at the same time managing accounts that are not charged a performance-based fee. We do not charge performance based fees, nor do we provide side-by-side management. Item 7: Types of Clients We offer our services to individuals, high net worth individuals, physicians and owners of closely held businesses. We may offer services to business entities, charitable organizations, and estates and trusts as well. Item 8: Methods of Analysis, Investment Strategies, and Risk of Loss The Company may use one or more of the following methods of analyses or investment strategies when providing investment advice to clients, subject to the clients' investment objectives, risk tolerance, time horizons and stated guidelines: • Fundamental Analysis. We attempt to measure the intrinsic value of a security by looking at economic and financial factors (including the overall economy, industry conditions, and the financial condition and management of the company itself) to determine if the company is underpriced (indicating it may be a good time to buy) or overpriced (indicating it may be time to sell). We look at historical and present financial statements of the company, annual reports, governmental filings and business activities. Fundamental analysis does not attempt to anticipate market movements. This presents a potential risk, as the price of a security can move up or down along with the overall market regardless of the economic and financial factors considered in evaluating the stock. Individualized analysis of underlying documentation can vary. • Asset Allocation. Rather than focusing primarily on securities selection, we attempt to identify an appropriate ratio of securities, fixed income, and cash suitable to the client's investment goals and risk tolerance, and we seek to create a portfolio to maximize potential return relative to portfolio risk. A risk of asset allocation is that the client may not participate in sharp increases in a particular security, industry or market sector. Another risk is that the ratio of securities, fixed income, and cash will change over time due to stock and market movements and, necessitating periodic re-balancing of client portfolios. • Mutual Fund and/or ETF Analysis. We look at the experience and track record of the manager of the mutual fund or exchange traded fund (ETF) in an attempt to determine if the manager has demonstrated an ability to invest over a period of time and in different economic conditions. We also look at the underlying assets in a mutual fund or ETF in an attempt to determine if there is significant Page 11 of 47  overlap in the underlying investments held in another fund(s) in the client's portfolio. A risk of mutual fund and/or ETF analysis is that, as in all securities investments, past performance does not guarantee future results. A manager who has been successful may not be able to replicate that success in the future. In addition, as we do not control the underlying investments in a fund or ETF, managers of different funds held by the client may purchase the same security, increasing the risk to the client if that security were to fall in value. There is also a risk that a manager may deviate from the stated investment mandate or strategy of the fund or ETF, which could make the holding(s) less suitable for the client's portfolio. • Tax Analysis: We attempt to use low-cost and tax-efficient funds with an overarching asset location strategy that encompasses all accounts. We generally try to hold tax inefficient funds inside qualified accounts and tax-efficient funds in non-qualified accounts. We review how to harvest tax losses to offset investment gains and ordinary income. We review converting pre-tax funds to Roth to fill up lower federal tax brackets and plan around state income tax brackets depending on current and anticipated residence. We attempt to manage interest, dividends, and capital gains in non-qualified accounts and qualified account withdrawals to take advantage of lower tax brackets while also keeping Modified Adjusted Gross Income below certain thresholds to attain lower Medicare Part B premium rates and limit Medicare Part D surcharges. We attempt to convert pre-tax funds to Roth strategically during market declines to allow a "discount" on taxes owed from the Roth Conversions. We review interest, dividends, and capital gains in non-qualified accounts and qualified account withdrawals to try to avoid additional tax on social security benefits. We look at IRS contribution limits, individual and employer sponsored plan rules, current and anticipated future income tax brackets, and needed distributions to plan for retirement tax-efficiency. We help plan for tax- efficient charitable giving by reviewing Qualified Charitable Distributions, and opportunities to gift appreciated stock. The Company's analysis methods rely on the assumption that the investment vehicles which we recommend for our clients, the companies whose securities we purchase and sell on behalf of our clients, the rating agencies that review these securities, and other publicly or privately available sources of information about these securities, are providing accurate, timely and unbiased data. While we are alert to indications that data may be incorrect, there is always a risk that our analysis may be compromised by inaccurate, misleading or untimely information. This is an ongoing risk with regard to all the strategies discussed below. Investment Strategies The Company may use the following strategies in managing client accounts. Investment strategies and advice may vary depending upon each client's specific financial situation. As such, we determine investments and allocations based upon the client's predefined objectives, risk tolerance, time horizon, financial horizon, financial information, liquidity needs, and other various suitability factors. The client's restrictions and guidelines may affect the composition of the client's portfolio. • Long-term Purchases. We purchase securities with the idea of holding them in the client's account for some period of time, often a year or longer. Typically, we employ this strategy when we believe the securities to be currently undervalued, and/or we want exposure to a particular asset class over time, regardless of the current projection for this class. A risk in a long-term purchase strategy is that by holding the security for this length of time, we may not take advantages of short- term gains that could be profitable to a client. Moreover, if our predictions are incorrect, a security may decline sharply in value before we make the decision to sell. • Short-term Purchases. When utilizing this strategy, we purchase positions with the idea of holding Page 12 of 47  them in the client’s account for some period of time, often a year or shorter. Typically, we employ this strategy when we believe a fixed income instrument will yield more than money market. Risk of Loss Investing involves a risk of loss. Clients should be prepared to bear investment loss, including the loss of the original principal. Clients should never presume that future performance of any specific investment or investment strategy will be profitable. Further, there may be varying degrees of risk depending on different types of investments. Clients should know that all investments carry a certain degree of risk ranging from the variability of market values to the possibility of permanent loss of capital. Although portfolios seek principal protection, asset allocation and investment decisions may not achieve this goal in all cases. There is no guarantee a portfolio will meet a target return or an investment objective. Risks to capital include, but may not be limited to, changes in the economy, market volatility, company results, industry sectors, accounting standards and changes in interest rates. Investments are generally subject to risks inherent in governmental actions, exchange rates, inflation, deflation, and fiscal and monetary policies. Market risks include changes in market sentiment in general and styles of investing. Diversification will not protect an investor from these risks and fluctuations. The Company does not engage in high-frequency trading activities. Additional risks include: • Market risk: Either the stock market as a whole, or the value of an individual company, goes down resulting in a decrease in the value of client investments. Stocks are susceptible to general stock market fluctuations and to volatile increases and decreases in value as market confidence in and perceptions of their issuers change. Common stock (or its equivalent) is generally exposed to greater risk than preferred stocks and debt obligations of an issuer. • Company risk: There is always a certain level of company or industry specific risk that is inherent in each investment. Although this risk can be reduced through appropriate diversification, it cannot be eliminated. There is the risk that the issuer will perform poorly or have its value reduced based on factors specific to the issuer or its industry. If the issuer experiences credit issues or defaults on debt, the value of the issuer may be reduced. • Exchange traded fund and mutual fund risk: The risk of owning an ETF or mutual fund generally reflects the risks of owning the underlying securities the ETF or mutual fund holds. Clients may incur additional costs associated with ETFs and mutual funds (see Item 5). Consumer Discretionary ETF Shares are listed for trading on NYSE Arca and can be bought and sold on the secondary market at market prices. Although it is expected that the market price of a Consumer Discretionary ETF Share typically will approximate its net asset value (NAV), there may be times when the market price and the NAV vary significantly. Thus, the client may pay more or less than NAV when the Consumer Discretionary ETF Shares are purchased on the secondary market, and the client may receive more or less than NAV when you sell those shares. Although Consumer Discretionary ETF Shares are listed for trading on NYSE Arca, it is possible that an active trading market may not be maintained and Trading of Consumer Discretionary ETF Shares on NYSE Arca may be halted by the activation of individual or market wide "circuit breakers" (which halt trading for a specific period of time when the price of a particular security or overall market prices decline by a specified percentage). Trading of Consumer Discretionary ETF Shares may also be halted if the shares are delisted from NYSE Arca without first being listed on another exchange or exchange officials determine that such action is appropriate in the interest of a fair and orderly market or to protect investors. • Management risk: Investments managed by us vary with the success and failure of our investment Page 13 of 47  strategies, research, analysis, and determination of portfolio securities. • Foreign investments risks: Non-U.S. investments, currency and commodity investments may contain additional risks associated with government, economic, political or currency volatility. • Emerging markets risks: Emerging markets can experience high volatility and risk in the short term. • Liquidity risks: Generally, assets are more liquid if many investors are interested in a standardized product, making the product relatively easy to convert into cash. Specialized investments may have reduced liquidity. • Bond risks: Investments in bonds involve interest rate and credit risks. Bond values change according to changes in interest rates, inflation, credit climate and issue credit quality. Interest rate increases will reduce the value of a bond. Longer term bonds are more susceptible to interest rate variations then shorter term, lower yield bonds. • Sector risks: Investing in a particular sector is subject to cyclical market conditions and charges. • Cybersecurity Risk. The computer systems, networks and devices used by us and our service providers employ a variety of protections designed to prevent damage or interruption from computer viruses, network and computer failures and cyber attacks. Despite such protections, systems, networks and devices potentially can be breached. Cyber attacks include, but are not limited to, gaining unauthorized access to digital systems for purposes of corrupting data, or causing operational disruption, as well as denial-of- service attacks on websites. Cyber incidents may cause disruptions and impact business operations, potentially resulting in financial losses, the inability of us or our service providers to trade, violations of privacy and other laws, regulatory fines, reputational damage, reimbursement costs and additional compliance costs, as well as the inadvertent release of confidential information. Because of the inherent risk of loss associated with investing, we are unable to represent, guarantee or even imply that our services and methods of analysis can or will predict future results, successfully identify market tops or bottoms, or insulate clients from losses due to market corrections or declines. Cash balances are typically invested daily in money market accounts or remain in cash. Our strategies and investments may have unique and significant tax implications. The Company will manage portfolios with an awareness of tax implications, but long-term wealth compounding is our primary consideration. Specific goals regarding account tax efficiency should be set forth in a writing signed by both us and the client. Regardless of account size or other factors, the Company strongly recommends that its clients continuously consult with a tax professional prior to and throughout the investing of clients' assets. Item 9: Disciplinary Information We are required to disclose any legal or disciplinary events that are material to a client's or prospective client's evaluation of us, our business or the integrity of our management or associated persons. Neither the Company nor its associated persons have any reportable disciplinary events to disclose. Item 10: Other Financial Industry Activities and Affiliations The Company is not a registered broker-dealer, commodity firm, commodity trading advisor, or futures commission merchant, and does not have an application to register for any of the same pending. Page 14 of 47  The Company does not recommend investment products in which it receives any form of compensation from the separate account manager or investment product sponsor. Persons providing investment advice on behalf of the Company are licensed insurance agents. Based on a client's specific financial goals, these persons may recommend to clients the purchase and/or maintenance of life, disability, long term care, health, etc. insurance products. These products are separate and distinct from services offered through the Company. The Company does not receive a commission on the sale of any insurance product. Clients should be aware that these insurance products pay a commission and involve a conflict of interest, in that the licensed insurance agent will receive a commission on the sale of these products. In no event is any client obligated, contractually or otherwise, to use the services of any licensed insurance agent acting in such capacity or to purchase products through said individual. The Company always acts in the best interest of the client, and any person providing investment advice on behalf of the Company must act in the best interests of the client and put that client's interests ahead of the individual's own interests. All conflicts are required to be disclosed. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading The Company has adopted a Code of Ethics that sets forth high ethical standards of business and professional conduct which we require our employees to follow. The Code of Ethics outlines proper conduct related to all services provided to clients by the Company and our associated persons, and includes guidelines for compliance with applicable laws and regulations governing our practice. Our goal is to protect our clients' interests at all times and demonstrate our commitment to our fiduciary duties of honesty, good faith and fair dealing. Personal Securities Transactions and Interests Through its professional activities, the Company and its supervised persons are exposed to potential conflicts of interest and the Code of Ethics contains provisions designed to mitigate certain of these potential conflicts by governing the personal securities transactions of certain of its employees, officers and directors. In particular, the Code of Ethics governs the conduct of certain "access persons" in circumstances where the Company or access persons may desire to purchase or sell securities for their personal accounts that are identical to those recommended by the Company to its clients. For these purposes, the Code of Ethics defines an "access" person as a supervised person of the Company that (1) has access to nonpublic information regarding any clients' purchase or sale of securities, (2) has access to nonpublic information regarding the portfolio holdings of any fund the adviser or its control affiliates manage or sponsor, or (3) is involved in making securities recommendations (or has access to such recommendations) to clients that are nonpublic. Access persons' trades must be executed in a manner consistent with the following principles: • The interests of client accounts will at all times be placed first. • All personal securities transactions will be conducted in such manner as to avoid any actual or potential conflict of interest or any abuse of an individual's position of trust and responsibility. • Access persons must not take inappropriate advantage of their positions. • Preclearance of access persons' transactions in securities in a limited offering or private placement is required. Access persons must submit quarterly reports regarding securities transactions and newly opened accounts, Page 15 of 47  as well as annual reports regarding holdings and existing accounts. The Company monitors access persons' personal trading activity at least quarterly to ensure compliance with internal control policies and procedures and our Code of Ethics. The Code of Ethics does not prevent or prohibit access persons from trading in securities that we may recommend or in which we may invest client assets, but rather prescribes the governing principals relative to the same (see above). As such, it is possible that (1) the Company or its access persons could recommend to clients, or buy or sell for client accounts, securities in which one or more access persons (including the Company or its affiliates) has a material financial interest, (2) access persons (including the Company or its affiliates) could invest in the same securities (or related securities) that we recommend to clients, or (3) the Company (including its affiliates) and its access persons could recommend securities to clients, or buy or sell securities for client accounts, at or about the same time that one or more access persons (including the Company or its affiliates) buys or sells the same securities for its own account. This presents a potential conflict in that the access person might seek to benefit himself or herself from this type of trading activity in the same securities, either by trading for personal accounts in advance of client trading activity, or otherwise. All such activity must be in strict adherence with our Code of Ethics and must fundamentally place the clients' interests first. Moreover, it is our policy that neither the Company nor its associated persons will have priority over a client's account(s) in the purchase or sale of securities. Neither the Company nor its associated persons has any material financial interest in client transactions beyond the provision of investment advisory services or other services as disclosed in this Brochure. The Company does not engage in principal trading (i.e., the practice of selling stock to advisory clients from our inventory or buying stocks from advisory clients into our inventory). Nor does the Company engage in agency cross transactions. Clients or prospective clients may obtain a copy of our Code of Ethics by contacting us at the e-mail or phone number listed on the cover page of this Brochure. Item 12: Brokerage Practices Order Aggregation/Block Trading/Allocations The Company's advice to clients is premised not only on the merits of a particular investment, but also on the suitability of that investment for the particular client in light of his/her applicable investment objective, guidelines, risk tolerance and circumstances. Thus, any action of the Company with respect to a particular investment may, for a particular client, differ or be opposed to the recommendation, advice or actions of the Company to or on behalf of other clients. However, as the Company may be managing accounts with similar investment objectives, the Company may aggregate orders for securities for such accounts. In this event, allocation of the securities so purchased or sold, as well as expenses incurred in the transaction, is made by the Company in the manner it considers to be the most equitable and consistent with its fiduciary obligations to such accounts. Such aggregate orders may include transactions for accounts for employee benefit plans and private investment vehicles, such as limited partnerships or limited liability companies, in which the Company, its affiliates, principals or employees are among the investors. The Company's allocation procedures seek to allocate investment opportunities among clients in the fairest possible way, taking into account clients' best interests. The Company will follow procedures to ensure that allocations do not involve a practice of favoring or discriminating against any client or group of clients. Account performance is never a factor in trade allocations. The Company will aggregate, i.e., "block," trades where possible and when advantageous to clients. We must Page 16 of 47  reasonably believe that the order aggregation will benefit, and will enable us to seek best execution for each client participating in the aggregated order. This requires a good faith judgment at the time the order is placed for the execution. It does not mean that the determination made in advance of the transaction must always prove to have been correct in the light of a "20-20 hindsight" perspective. Best execution includes the duty to seek the best quality of execution, as well as the best net price. Block trading may allow us to execute trades in a timelier, more equitable manner, at an average share price. The Company will block trades among clients whose accounts can be traded at a given broker-dealer. Blocking of trades permits the trading of aggregate blocks of securities composed of assets from multiple client accounts, as long as transaction costs are shared equally and on a pro-rata basis between all accounts included in the block. Subsequent orders for the same security entered during the same trading day may be aggregated with any previously unfilled orders. Subsequent orders may also be aggregated with filled orders if the market price for the security has not materially changed and the aggregation does not cause any unintended exposure. All clients participating in each aggregated order will generally receive the average price and, subject to minimum ticket charges and possible step outs, pay a pro-rata portion of commissions, provided, however, that an adjustment may be appropriate in some circumstances. Those clients participating in wrap programs may not pay certain fees; instead the fees would be paid by the Company. Prior to entry of an aggregated order, each client account participating is identified in the order and the proposed allocation of the order, upon completion, to those clients. If the order 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 pro rata among the participating client accounts in accordance with the initial order ticket or other written statement of allocation. However, adjustments to this pro rata allocation may be made to participating client accounts in accordance with the initial order ticket or other written statement of allocation. Furthermore, adjustments to this pro rata allocation may be made to avoid having odd amounts of shares held in any client account, or to avoid excessive ticket charges in smaller accounts. Our client account records separately reflect, for each account in which the aggregated transaction occurred, the securities which are held by, and bought and sold for, that account. Funds and securities for aggregated orders are clearly identified in our records and to the broker-dealers or other intermediaries handling the transactions, by the appropriate account numbers for each participating client. To minimize performance dispersion, "strategy" trades should be aggregated and average priced. However, when a trade is to be executed for an individual account and the trade is not in the best interests of other accounts, then the trade will only be performed for that account. This is true even if the Company believes that a larger size block trade would lead to best overall price for the security being transacted. All allocations will be made prior to the close of business on the trade date. In the event an order is "partially filled," the allocation will be made in the best interests of all the clients in the order, taking into account all relevant factors including, but not limited to, the size of each client's allocation, clients' liquidity needs and previous allocations. In most cases, accounts will get a pro forma allocation based on the initial allocation. This policy also applies if an order is "over-filled." Transactions for any client account may not be aggregated for execution if the practice is prohibited by the client or with the Company's order allocation policy. Broker-Dealer Relationships and Benefits The Company will generally not allow advisory clients to determine the broker-dealer to use. Rather, the Company will generally require that clients establish brokerage accounts with National Financial Services LLC, and Fidelity Brokerage Services LLC (together with all affiliates, "Fidelity") or Charles Schwab & Co. Inc. (Schwab). Fidelity and Schwab provide the Company with "platform" services. The platform services include, among others, brokerage, custodial, trade execution, clearance, settlement of Page 17 of 47  transactions, administrative support, record keeping and related services that are intended to support intermediaries like the Company in conducting business and in serving the best interests of their clients but that may benefit the Company. Fidelity and Schwab charge brokerage commissions and transaction fees for effecting certain securities transactions (i.e., transactions fees are charged for certain no-load mutual funds, commissions are charged for individual equity and debt securities transactions). Fidelity and Schwab enable the Company to obtain many no-load mutual funds without transaction charges and other no-load funds at nominal transaction charges. Commission rates are generally considered discounted from customary retail commission rates. However, the commissions and transaction fees charged by Fidelity and Schwab may be higher or lower than those charged by other custodians and broker-dealers. Some of these transaction fees are covered by the Company under its wrap program. As part of the arrangement, Fidelity and Schwab may also make available to the Company, at no additional charge, certain research and brokerage services, including research services obtained by Fidelity or Schwab directly from independent research companies, as selected by the Company (within specified parameters). These research and brokerage services would be used by the Company to manage accounts for which it has investment discretion. Services provided by Fidelity or Schwab may include research (including mutual fund research, third-party research, and proprietary research), brokerage, clearing, custody, and access to mutual funds and other investments that are available only to institutional investors or would require a significantly higher minimum initial investment. Research and brokerage services presently include: access to a full array of proprietary and third-party investment offerings, spanning alternatives, structured products, separately managed accounts and mutual funds; comprehensive technology integration, training and support; Integrated Trust Services offering efficient, custody and clearing; business-building solutions ranging from marketing support to client management tools; integrated charitable and foundation services through Charitable Services; and leading retirement programs and offerings to help the Company meet both the asset accumulation and income distribution needs of its clients. The Company may also receive additional services from Fidelity or Schwab. Without this arrangement, the Company might be compelled to purchase the same or similar services at its own expense. The Company may be eligible for a specific schedule of fees based upon our assets under management with Fidelity or Schwab. A client may pay a commission that is higher than another qualified broker-dealer might charge to affect the same transaction where the Company determines in good faith that the commission is reasonable in relation to the value of the brokerage and research services received. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a broker- dealer's services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although the Company will seek competitive rates, to the benefit of all clients, it may not necessarily obtain the lowest possible commission rates for specific client account transactions. Although the investment research products and services that may be obtained by the Company will generally be used to service all of its clients, a brokerage commission paid by a specific client may be used to pay for research that is not used in managing that specific client's account. The Company is not affiliated with Fidelity or Schwab, and no broker-dealer affiliated with the Company is involved in the relationship between the Company and Fidelity or Schwab. Best Execution As stated above, the Company will generally require that its clients establish broker accounts with Fidelity or Schwab. The Company, pursuant to the terms of its management agreement with clients, will generally have discretionary authority to determine which securities are to be bought and sold and the price of such Page 18 of 47  securities to effect such transactions. The Company recognizes that the analysis of execution quality involves a number of qualitative and quantitative factors. The Company will follow a process in an attempt to ensure that it is seeking to obtain the most favorable execution under the prevailing circumstances when placing client orders. These factors include, but are not limited, to the following: • The financial strength, reputation and stability of the broker-dealer; • The efficiency with which the transaction is effected; the ability to effect prompt and reliable executions at favorable prices (including the applicable dealer spread or commission, if any); • The availability of the broker-dealer to stand ready to effect transactions of varying degrees of difficulty in the future; • The efficiency of error resolution, clearance and settlement; • Block trading and positioning capabilities; • Performance measurements; • Online access to computerized data regarding customer accounts; • Availability, comprehensiveness, and frequency of brokerage and research services; • Commission rate; • The economic benefit to the clients; and • Related matters involved in the receipt of brokerage services. Trade Errors Where a trade error occurs in a client account due to our error, we will correct the error and ensure the client account does not suffer a loss or incur a transaction cost related to that error. Depending on the nature of the error, we will pay the cost of the error or will cause the custodian or broker-dealer to pay the cost of the error. However, the client will not profit from the error, even if the subsequent correction results in a profit due to market movement. Brokerage for Client Referrals The Company does not receive client referrals from broker-dealers in exchange for cash or other compensation, such as brokerage services or research. Item 13: Review of Accounts Each account receives, at a minimum, an annual review by the advisor managing that account. Accounts may be reviewed more frequently through various means, including telephone calls, in- person meetings, overall strategy reviews, and/or the review of monthly and quarterly statements. Reviews are based on objectives and parameters established by clients, which are generally memorialized through their client management agreements. More frequent reviews may also be triggered by a change in the client's investment objectives or risk tolerance, tax considerations, large deposits or withdrawals, large purchases or sales, loss of confidence in investment or fund managers, or changes in the economy or financial markets. Our compliance personnel will also monitor managed and supervised accounts on an ongoing basis to ensure that the advisory services provided to clients are consistent with the clients' investment goals. Page 19 of 47  Depending on the nature of the engagement, financial plans may not be reviewed until after the plan is delivered. The frequency of plan review will be dependent on the agreement terms. If deemed necessary it maybe reviewed quarterly, yearly or some other determined amount of time. Those reviews will revisit the initial plan and determine if any adjustments need to be made to the objectives. Financial planning, by its nature, does require periodic review. The Company may use software and other tools to assist in generating a financial plan. In that circumstance, the Company will periodically evaluate the software and other tools for effectiveness and accuracy. No on-going financial planning reports are provided for financial planning clients unless a financial plan update or additional services are requested. Investment advisory clients receive standard account statements from the independent, qualified custodian of their accounts no less frequently than quarterly. The account statements received from the custodian and/or broker-dealer are the official records of the client's account(s). With respect to certain client accounts, the Company may provide, or cause to be provided, other statements setting forth the client's securities. Item14: Client Referrals and Other Compensation Solicitor Arrangements The Company does not currently have any arrangement to pay referral fees to independent persons or firms ("Solicitors") for introducing clients to us. If in the future, we pay a referral fee, we will require the Solicitor to provide the prospective client with a copy of this document (i.e., this Brochure), the Wrap Brochure, and a separate disclosure statement that includes the following information: • The Solicitor's name and relationship with the Company; • The fact that the Solicitor is being paid a referral fee for referring the prospective client to the Company; • The amount of the fee to be paid to the Solicitor; and • Whether the fee paid by the client will be greater than our standard fee in order to compensate the Solicitor. As a matter of firm practice, any advisory fees paid to us by clients referred by Solicitors would not be increased as a result of any referral. River’s Edge Wealth Management will be responsible for determining if a future solicitor is appropriately licensed or exempt from registration. It is our policy not to accept or allow our related persons to accept any form of compensation, including cash, sales awards or other prizes, from any third-party in conjunction with the advisory and other services we provide our clients. Fidelity Brokerage and Custody Services As disclosed in item 12 (Brokerage Practices) above, the Company participates in Fidelity's institutional advisor programs, and the Company will recommend Fidelity to clients for custody and brokerage services. There is no direct link between the Company's participation in the program and the investment advice it gives to its clients, although the Company receives economic benefits through its participation in the program that are typically not available to Fidelity retail investors. Fidelity may make available to the Company other products and services that benefit us, but that may not directly benefit our clients' accounts. Many of these products and services may be used to service all or some substantial number of our client accounts, including accounts not maintained at Fidelity. These benefits Page 20 of 47  include the following products and services (provided without cost or at a discount): • Provide access to client account data (such as trade confirmations and account statements); • Facilitate trade execution and allocate aggregated trade orders for multiple client accounts; • Provide research, pricing and other market data; • Facilitate payment of our fees from clients' accounts; and assist with back-office functions, record keeping and client reporting; • Receipt of duplicate client statements and confirmations; and • The ability to have advisory fees deducted directly from our client's accounts. Other services may be offered to help us manage and further develop our business enterprise. These services may include but are not necessarily limited to: (1) compliance, legal and business consulting; (2) publications and conferences on practice management and business succession; (3) assistance with back- office functions, record keeping and client reporting; and (4) access to funds with no transaction fees and to certain institutional money managers. Fidelity may make available, arrange and/or pay third party vendors for the types of services rendered to the Company. Fidelity may discount or waive fees it would otherwise charge for some of these services or pay all or a part of the fees of a third party providing these services to the Company. Fidelity may also provide other benefits such as educational events or occasional de minimus business entertainment of our personnel. All business entertainment will be guided by our Code of Ethics. Charles Schwab & Co., Inc. (Schwab) Schwab Advisor Services™ is Schwab's business serving independent investment advisory firms. They provide access to institutional brokerage services (trading, custody, reporting, and related services), many of which are not typically available to Schwab retail customers. Schwab also makes available various support services. Some of those services help us manage or administer our clients' accounts, while others help us manage and grow our business. Schwab's support services are generally available on an unsolicited basis (we don't have to request them) and at no charge to us. Following is a more detailed description of Schwab's support services: • Access to a broad range of investment products • Execution and custody of assets. • Investment products which might not otherwise be available • Lower minimum initial investments Schwab offers products and services that do not directly benefit clients, but these products and services assist in managing and administering accounts, such as: • Investment research, • Software and other technology that provide access to client account data (such as duplicate trade confirmations and account statements) • Facilitate trade execution and allocate aggregated trade orders for multiple client accounts Page 21 of 47  • Provide pricing and other market data • Facilitate payment of our fees from our clients' accounts • Assist with back-office functions, recordkeeping, and client reporting Schwab offers other services intended to help us manage and further develop our business enterprise. These services include: • Educational conferences and events • Consulting on technology, compliance, legal, and business needs • Publications and conferences on practice management and business succession • Access to employee benefits providers, human capital consultants, and insurance providers • Marketing consulting and support Schwab provides some of these services itself. In other cases, it will arrange for third-party vendors to provide the services. Schwab may also discount or waive fees for some of these services or pay all or a part of a third party's fees. Schwab may also provide other benefits, such as occasional business entertainment of our personnel. The availability of these services from Schwab benefits the firm because we do not have to produce or purchase them. The firm does not have to pay for Schwab's services. Schwab has also agreed to provide to the firm without a cost we would otherwise incur for technology, research, marketing, and compliance consulting products and services once the value of our clients' assets in accounts at Schwab reaches at set amount. • These services are not contingent upon us committing any specific amount of business to Schwab in trading commissions or assets in custody. • This creates an incentive to recommend that clients maintain accounts with Schwab, based on our interest in receiving Schwab's services that benefit our business and Schwab's payment for services for which we would otherwise have to pay rather than based on your interest in receiving the best value in custody services and the most favorable execution of your transactions. This is a conflict of interest. In some cases, the services that Schwab pays for are provided by an affiliate or by another party that has some pecuniary, financial or other interests. This creates an additional conflict of interest. This conflict of interest is mitigated by the fiduciary duty to act in a client’s best interests. Item 15: Custody River’s Edge Wealth Management is able to directly debit advisory fees from client accounts held by a qualified custodian by written authorization. • River’s Edge Wealth Management sends the qualified custodian written notice of the amount of the fee to be deducted from the client’s account and sends the client a written invoice itemizing the fee, including any formula used to calculate the fee, the time period covered by the fee and the amount of assets under management on which the fee was based. • The client will receive account statements from the custodian holding the account(s) at least Page 22 of 47  quarterly. These statements will show all transactions within the account during that reporting period, including the amount of advisory or other fees debited from the client's account(s). Because the custodian does not calculate the amount of the fees to be deducted, it is important for clients to carefully review their account statements to verify the accuracy of the fee calculation. Client should contact us directly if he/she believes there is an error or has a question regarding an account statement. River’s Edge Wealth Management does not take actual custody or possession of client funds or securities; however, the firm is deemed to have constructive custody based on the ability to deduct fees and because Clients are able to establish Standing Letters of Authorization (SLOA) to make payments or transfers to authorized third parties. Based on the ability to directly deduct fees and maintaining SLOA, River’s Edge Wealth Management has constructive custody of approximately $152,160,143 for approximately 230 clients as of 01/28/2026. • The client provides instructions to the qualified custodian, in writing, that includes the client's signature, the third party's name, and either the third party's address or the third party's account number at a custodian to which the transfer should be directed. • The client authorizes the investment adviser, in writing, either on the qualified custodian's form or separately, to direct transfers to the third party either on a specified schedule or from time to time. • The client's qualified custodian performs appropriate verification of the instruction, such as a signature review or other method to verify the client's authorization, and provides a transfer of funds notice to the client promptly after each transfer. • The client has the ability to terminate or change the instruction to the client's qualified custodian. • The investment adviser has no authority or ability to designate or change the identity of the third party, the address, or any other information about the third party contained in the client's instruction. • The investment adviser maintains records showing that the third party is not a related party of the investment adviser or located at the same address as the investment adviser. • The client's qualified custodian sends the client, in writing, an initial notice confirming the instruction and an annual notice reconfirming the instruction. Item 16: Investment Discretion River’s Edge Wealth Management provides discretionary investment advisory services, we have the authority to place trades, buy and sell securities on the client's behalf, determine the amount of the securities to buy and sell, and determine the nature and type of securities to buy and sell without obtaining a client's consent or approval prior to each transaction. Clients will give the Company a limited power of attorney and/or trading authorization forms to make the above decisions on the client's behalf. Clients may limit our authority by giving us written instructions, restrictions and guidelines via email communication or other written instructions. For example, a client may specify that the client's account not contain investments in a specific industry. Clients can change such instructions, restrictions and guidelines by providing us with written instructions. The most current written instructions will control. We will not accept instructions via text message or similar instant messaging methods. Page 23 of 47  Item 17: Voting Client Securities Regardless of whether we have discretion over a client's account(s), we will not vote proxies on behalf of any client or respond to any legal notices or class action claims on behalf of a client. We will instruct the qualified, independent custodian to forward all proxy materials, legal notices and class action information to the client to review. The client should make his or her own informed decision on how to vote or respond to a legal notice. In the event we receive such material, we will forward them directly to the client by mail or by electronic mail (if the client has authorized electronic communication). Item 18: Financial Information Under no circumstances do we require or solicit payment of fees in excess of $1,200 more than six months in advance of services rendered. The Company does not have any financial issues that would impair its ability to provide services to clients, and Company has not been the subject of a bankruptcy petition at any time. We have no additional financial circumstances to report. Page 24 of 47  Item 1 – Cover Page Registered as: River’s Edge Wealth Management Wealth Management, LLC 525 3rd Street, Suite 200 | Beaver, PA 15009 (412) 526-8939 www.riversedgewm.com Appendix 1 – Wrap Fee Program Brochure April 27, 2026 This Form ADV2A - Appendix 1 (“Wrap Fee Brochure”) provides information about the qualifications and business practices for River’s Edge Wealth Management, LLC (“the firm") when offering services according to a wrap program. This Wrap Fee Brochure shall always be accompanied by the firm’s Disclosure Brochure, which provides complete details on the business practices of the firm. If you did not receive the firm Disclosure Brochure or you have any questions about the contents of this Wrap Fee Brochure or the firm Disclosure Brochure, please contact us at (412) 526-8939 or by email at trevoryork@riversedgewm.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about the firm and its advisory persons are available on the SEC’s website at www.adviserinfo.sec.gov by searching for our firm name or by our CRD No. 313711. Registration does not imply a certain level of skill or training. Page 25 of 47  Item 2 - Material Changes If the firm amends this brochure so that it contains material changes from the last annual update, the changes will be identified in this item. Clients will receive, at no charge, a summary of any material changes within 120 days of the firm's fiscal year-end and promptly (generally within 30 days) after any material changes throughout the year. Page 26 of 47  Item 3 – Table of Contents Item 1 – Cover Page ....................................................................................................................................... 25 Item 2 – Material Changes ............................................................................................................................ 26 Item 3 – Table of Contents ............................................................................................................................ 27 Item 4 – Services, Fees and Compensation .................................................................................................. 28 Item 5 – Account Requirements and Types of Clients ............................................................................... 30 Item 6 – Portfolio Manager Selection and Evaluation................................................................................ 30 Item 7 – Client Information Provided by Portfolio Managers .................................................................. 30 Item 8 – Client Contact with Portfolio Managers ....................................................................................... 30 Item 9 – Additional Information .................................................................................................................. 30 Page 27 of 47  Item 4 – Services, Fees and Compensation River’s Edge Wealth Management, LLC provides investment advisory services where the asset management fee, custody fees, and any applicable ticket charges are "wrapped" into a combined payment. This Wrap Fee Program Brochure is provided as a supplement to the firm’s Disclosure Brochure (Form ADV 2A) to provide further details of the business practices and fee structure. This Wrap Fee Program Brochure references back to the firm’s Form ADV 2A in which this Wrap Fee Program Brochure serves as an Appendix. Please see Item 4 – Advisory Services of the Form ADV 2A for details on the firm’s investment philosophy and related services. • River’s Edge Wealth Management, LLC is the sponsor and portfolio manager of this Wrap Fee Program and receives investment advisory fees paid by Clients and pays the Custodian for the costs associated with custody and trading, if any. The Company's fee for our investment advisory services will be charged as a percentage of assets under management with us, according to the following schedule: Assets Under Management $0 to 500,000 $500,001 to $1,000,000 $1,000,001 to $3,000,000 $3,000,001 to $10,000,000 $10,000,001 to $20,000,000 $20,000,001 to $50,000,000 More than $50,000,000 Annual Fee Rate 1.4% 1.0% .80% .60% .50% .40% .30% Although the Company has established the above fee schedule, it may negotiate other fee schedules depending on the size of the account, type of account, the level of client service required and other factors we consider relevant, including timing of client relationships. The specific annual fee being charged to the client will be set forth and identified in an agreement between the Company and that client. Asset based fees are always subject to the management agreement between the client and the Company. • The Company typically imposes a minimum of $5,000 in annual fees, which include a combination of asset management and/or financial planning fees. However, this minimum amount is negotiable under certain circumstances. • Wrap fee accounts and non-wrap accounts are subject to the same fee schedule, but at this time the Company does not offer non-wrap accounts to retail investment management clients. A wrap fee program allows clients to pay a combined fee. This includes the fee for investment advisory services, custody fees, and transaction fees if any. • For accounts held at Fidelity the custodial fee is currently $15/quarter/account paid by the Company based on the Company’s contract with Fidelity. • The company also pays certain execution and clearing fees associated with transactions in the client's accounts, if any. For accounts held at Fidelity there are often no execution and clearing fees associated with transactions in the client’s accounts due to holding securities that trade commission- free with the custodian. Page 28 of 47  The program is intended to comply with Rule 204-3 of the Investment Adviser Act of 1940, as amended, and Rule 3a-4 under the Investment Company Act of 1940, as amended. • The benefits under a wrap fee program depend, in part, upon the size of the account, the costs associated with managing the account, and the frequency or type of securities transactions executed in the account. • A wrap fee program may not provide increased value to all accounts, including but not limited to accounts holding primarily, and for any substantial period of time, cash or cash equivalent investments, fixed income securities or no-transaction-fee mutual funds, or any other type of security that can be traded without commissions or other transaction fees. The Company only offers wrap fee accounts to retail investment management clients where the Company has discretionary management (the company does not offer non-wrap fee accounts to retail investment management clients). • In order to evaluate whether a wrap fee arrangement is appropriate, Clients should compare the agreed-upon Wrap Program Fee with the amounts that would be charged by other advisers, broker/dealers, and custodians, for advisory fees, brokerage and execution costs, and custodial services. • A wrap fee is not based directly on the number of transactions in accounts. Various factors influence the relative cost of the wrap fee program, including the cost of investment advice, custody and brokerage services if purchased separately, the types of investments held, and the frequency, type and size of trades. The program could cost more or less than purchasing investment advice and custody/brokerage services separately. • A wrap fee does not cover all fees and costs. The fees not included in the wrap fee include charges imposed directly by a mutual fund, index fund, or exchange traded fund which shall be disclosed in the fund’s prospectus (i.e., fund management fees and other fund expenses), mark-ups and mark- downs, spreads paid to market makers, fees (such as a commission or markup) for trades executed away from or at another broker-dealer, wire transfer fees and other fees and taxes on brokerage accounts and securities transactions. Conflicts of Interest When managing a client's account on a wrap fee basis the Company receives, as compensation for investment advisory services, the difference between the wrap fee paid by the Client and the custodial, trading, and other management costs, if any. Accordingly, the Advisor has a conflict of interest because there is a financial incentive to maximize compensation by seeking to reduce or minimize the total costs incurred in a client’s account. The Company does not charge clients higher advisory fees based on trading activity, but clients and prospective clients should be aware that the Company has an incentive to encourage enrollment in electronic delivery and/or limit trading activities in account(s) because the Company may be charged for executed trades. Additionally, the Company also has an incentive to hold no-transaction-fee mutual funds instead of transaction-fee mutual funds in client’s accounts. Many custodians have eliminated commissions [or transaction fees] for online trades of U.S. equities, ETFs and options. This means that, in most cases, when Advisor buys and sells these types of securities there are no transaction costs that would otherwise be covered by the wrap fee. Other Fees and Expenses Mutual funds and exchange-traded funds have separate operating costs that are described in each fund's Page 29 of 47  prospectus. These fees and costs will generally be used to pay management fees, account administration (e.g., custody, brokerage, and account reporting), and a possible distribution fee. River’s Edge Wealth Management, LLC does not receive any of the fees charged by a mutual fund or ETF. A Client could invest in these products directly, without the services of River’s Edge Wealth Management, LLC, but would not receive the advisory services to assist in determining which products or features are most appropriate for their financial situation and objectives. Accordingly, the Client should review the fees charged by the fund(s) and the fees charged by the firm to fully understand the total costs. Only advisory fees are retained by River’s Edge Wealth Management, LLC. Item 5 – Account Requirements and Types of Clients Please see Item 7 – Types of Clients in the Form ADV 2A Disclosure Brochure. Item 6 - Portfolio Manager Selection and Evaluation River’s Edge Wealth Management, LLC serves as sponsor and portfolio manager for the services under this Wrap Fee Program. The firm does not charge performance-based fees. The selection of the wrap fee program for a Client is based on their preference for a model-based account or open architecture as well as account minimum requirements. River’s Edge Wealth Management, LLC does not accept proxy-voting responsibility. Clients will receive proxy statements directly from the Custodian. River’s Edge Wealth Management, LLC can assist in answering questions relating to proxies; however, the Client retains the sole responsibility for proxy decisions and voting. Item 7 – Client Information Provided to Portfolio Managers River’s Edge Wealth Management, LLC is the sponsor and sole portfolio manager for the Program. There is no other portfolio manager where Client information can be shared. Item 8 – Client Contact with Portfolio Managers Clients always have direct access to the Portfolio Managers. Item 9 – Additional Information The backgrounds, disciplinary information (none) and other financial industry activities and affiliations is available on the Investment Advisor Public Disclosure website at www.adviserinfo.sec.gov by searching for our firm name or by our CRD No. 313711. Please also see Item 9 of the firm Disclosure Brochure as well as Item 3 of each Investment Advisor Representatives Form ADV 2B Brochure Supplement for additional information on how to research the background information. River’s Edge Wealth Management, LLC has implemented a Code of Ethics that defines our fiduciary commitment to each Client. The details of the Code of Ethics can be found under Item 11 – Code of Ethics, Participation in Client Transactions and Personal Trading in the Disclosure Brochure (included with this Wrap Fee Program Brochure). Client accounts are monitored on a regular and continuous basis by the Chief Compliance Officer (“CCO”). Details of the review policies and practices are provided in Item 13 of the Form ADV Part 2A – Disclosure Brochure. Please see Item 14 – Other Compensation in the Form ADV Part 2A – Disclosure Brochure (included with Page 30 of 47  this Wrap Fee Brochure) for details on additional compensation that may be received by the firm or its Investment Advisor Representatives. Each Investment Advisor Representative’s Form ADV 2B Brochure Supplement provides details on any outside business activities and the associated compensation. • River’s Edge Wealth Management, LLC does not pay a referral fee for the introduction of Clients. • Financial information is available in Item 18 of the Form ADV Part 2A – Disclosure Brochure. Page 31 of 47  Item 1 - Cover Page Form ADV Part 2B – Individual Disclosure Brochure Jake G. McCracken CRD No. 5930244 525 3rd Street, Suite 200 | Beaver, PA 15009 (412) 526-8939 April 27, 2026 This brochure supplement provides information about your Investment Advisor Representative that supplements the firm disclosure brochure. You should have received a copy of the firm brochure that describes the investment advisory services offered through Jake G. McCracken a registered investment advisor. Please contact Jake G. McCracken at the telephone number above if you did not receive their brochure or if you have any questions about the contents of this supplement. Additional information about your Investment Advisor Representative is available on the SEC’s website at www.adviserinfo.sec.gov. Page 32 of 47  Item 2 - Educational Background and Business Experience This section of the brochure supplement includes the supervised person’s name, age (or year of birth), formal education after high school, and business background (including an identification of the specific positions held) for the preceding five years. Jake G. McCracken Year of birth: 1989 Education The following information details your Financial the firm’s formal education. If a degree was attained, the type of the degree will be listed next to the name of the institution. If a degree is not listed, the Financial the firm attended the institution but did not attain a degree. Geneva College, Bachelor of Science in Business Administration, 2011 Executive Certificate in Financial Planning, Duquesne University, 2014 CERTIFIED FINANCIAL PLANNER® professional Mr. McCracken is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, Mr. McCracken may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and 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. Page 33 of 47  Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Business Experience The following information details your Investment Advisor Representative’s business experience for at least the past 5 years. River’s Edge Wealth Management, LLC – Investment Advisor Representative & Owner 04/2021 – Present EWA, LLC – Investment Advisor Representative 05/2020 – 07/2021 Northwestern Mutual Wealth Management Company – Investment Advisor Representative 02/2013 – 05/2020 Item 3 - Disciplinary Information This section includes any legal or disciplinary events and material to a client's or prospective client's evaluation of the supervised person. There are no legal or disciplinary events required to be disclosed in response to this item. Any such disciplinary information would be available at www.adviserinfo.sec.gov. Item 4 - Other Business Activities This section includes any relationship between the advisory business and the supervised person’s other financial industry activities that create a material conflict of interest with clients and describes the nature of the conflict and generally how it is addressed. If the supervised person is actively engaged in any investment- related business or occupation, including if the supervised person is registered, or has an application pending to register, as a broker-dealer, registered representative of a broker-dealer, futures commission merchant (“FCM”), commodity pool operator (“CPO”), commodity trading advisor (“CTA”), or an associated person of an FCM, CPO, or CTA, the business relationship, if any, between the advisory business and the other business is disclosed below. Insurance Agent Mr. McCracken is a licensed insurance agent through numerous insurance companies. In such a capacity, he offers insurance products and receives normal and customary commissions. This presents a conflict of interest to the extent that he recommends the purchase of an insurance product which results Page 34 of 47  in a commission being paid to him as an insurance agent. Mr. McCracken can recommend insurance products to advisory clients and earn commission compensation from the sale of insurance products if clients purchase those products. The insurance products sold are through various third-party non- affiliated insurance companies. Item 5 - Additional Compensation This section includes details regarding if someone who is not a client provides an economic benefit to the supervised person for providing advisory services. For purposes of this Item, economic benefits include sales awards and other prizes, but not the supervised person’s regular salary, if any. Mr. McCracken can receive “compensation” from product sponsors such as gifts valued at generally less than $100, an occasional dinner or tickets to a sporting event, reimbursement for educational/training events or marketing/advertising expenses. Mr. McCracken can receive “compensation” such as bonuses, awards, stock options or attendance at conferences, forums and/or events. Item 6 – Supervision This section explains how the firm provides supervisory oversight. River’s Edge Wealth Management, LLC maintains a supervisory structure and system reasonably designed to prevent violations of the Investment Advisers Act of 1940. • Adherence to the firm's policies and procedures; • Post review of all trades executed in client accounts; • Adherence to the firm's standards for client meetings; • Pre-approval of materials provided to clients; • Completion of various compliance forms including: Quarterly Personal Securities Transactions, Annual Holdings Reports, Annual Attestation of the firm's Policies and Procedures Manual, Code of Ethics and Privacy Notice; • Notes of all client communication in the firm's client management database; and Completion and adherence to investment policy statements or the like for each client. The Chief Compliance Officer, is responsible for administering the policies and procedures for investment advisory activities and for regularly evaluating their effectiveness. Trevor M. York serves as the Chief Compliance Officer and can be reached at (412) 526-8939. Page 35 of 47  Item 1 - Cover Page Form ADV Part 2B – Individual Disclosure Brochure Trevor M. York CRD No. 6800601 525 3rd Street, Suite 200 | Beaver, PA 15009 (412) 526-8939 April 27, 2026 This brochure supplement provides information about your Investment Advisor Representative that supplements the firm disclosure brochure. You should have received a copy of the firm brochure that describes the investment advisory services offered through Trevor M. York a registered investment advisor. Please contact Trevor M. York at the telephone number above if you did not receive their brochure or if you have any questions about the contents of this supplement. Additional information about your Investment Advisor Representative is available on the SEC’s website at www.adviserinfo.sec.gov. Page 36 of 47  Item 2 - Educational Background and Business Experience This section of the brochure supplement includes the supervised person’s name, age (or year of birth), formal education after high school, and business background (including an identification of the specific positions held) for the preceding five years. Trevor M. York Year of birth: 1991 Education The following information details your Financial the firm’s formal education. If a degree was attained, the type of the degree will be listed next to the name of the institution. If a degree is not listed, the Financial the firm attended the institution but did not attain a degree. Duquesne University, Executive Certificate in Financial Planning, 2019 Geneva College, Bachelor of Science in Business Administration, 2014 CERTIFIED FINANCIAL PLANNER® professional Mr. York is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, Mr. York may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and 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. Page 37 of 47  Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Retirement Income Certified ProfessionTM (RICP®) Offered by The American College. Prerequisites: Three years of professional experience. Education Required: Three required courses, equivalent of Nine (9) semester credit hours. Examination type: Final course exam for each course: closed book, proctored. Continuing Education Requirements: 15 hours of continuing education every two years. Chartered Financial Consultant® - ChFC® Designation: Chartered Financial Consultant (ChFC). Issuing Organization: The American College. Prerequisites/Experience Required: 3 years of full-time business experience within the five years preceding the awarding of the designation. Educational Requirements: 7 core and 2 elective courses. Continuing Education: 30 CE credits every two years. Business Experience The following information details your Investment Advisor Representative’s business experience for at least the past 5 years. River’s Edge Wealth Management, LLC – Investment Advisor Representative & Chief Compliance Officer 04/2021 – Present EWA, LLC – Investment Advisor Representative 04/2020 – 07/2021 Northwestern Mutual Wealth Management Company – Investment Advisor Representative 02/2018 – 06/2020 Item 3 - Disciplinary Information This section includes any legal or disciplinary events and material to a client's or prospective client's evaluation of the supervised person. There are no legal or disciplinary events required to be disclosed in response to this item. Any such disciplinary information would be available at www.adviserinfo.sec.gov. Item 4 - Other Business Activities This section includes any relationship between the advisory business and the supervised person’s other financial industry activities that create a material conflict of interest with clients and describes the nature of Page 38 of 47  the conflict and generally how it is addressed. If the supervised person is actively engaged in any investment- related business or occupation, including if the supervised person is registered, or has an application pending to register, as a broker-dealer, registered representative of a broker-dealer, futures commission merchant (“FCM”), commodity pool operator (“CPO”), commodity trading advisor (“CTA”), or an associated person of an FCM, CPO, or CTA, the business relationship, if any, between the advisory business and the other business is disclosed below. Item 5 - Additional Compensation This section includes details regarding if someone who is not a client provides an economic benefit to the supervised person for providing advisory services. For purposes of this Item, economic benefits include sales awards and other prizes, but not the supervised person’s regular salary, if any. Mr. York can receive “compensation” from product sponsors such as gifts valued at generally less than $100, an occasional dinner or tickets to a sporting event, reimbursement for educational/training events or marketing/advertising expenses. Mr. York can receive “compensation” such as bonuses, awards, stock options or attendance at conferences, forums and/or events. Item 6 – Supervision This section explains how the firm provides supervisory oversight. River’s Edge Wealth Management, LLC maintains a supervisory structure and system reasonably designed to prevent violations of the Investment Advisers Act of 1940. • Adherence to the firm's policies and procedures; • Post review of all trades executed in client accounts; • Adherence to the firm's standards for client meetings; • Pre-approval of materials provided to clients; • Completion of various compliance forms including: Quarterly Personal Securities Transactions, Annual Holdings Reports, Annual Attestation of the firm's Policies and Procedures Manual, Code of Ethics and Privacy Notice; • Notes of all client communication in the firm's client management database; and Completion and adherence to investment policy statements or the like for each client. The Chief Compliance Officer, is responsible for administering the policies and procedures for investment advisory activities and for regularly evaluating their effectiveness. Trevor M. York serves as the Chief Compliance Officer and can be reached at (412) 526-8939. Page 39 of 47  Item 1 - Cover Page Form ADV Part 2B – Individual Disclosure Brochure Quinn J. Paul McCracken CRD No. 6880322 525 3rd Street, Suite 200 | Beaver, PA 15009 (412) 526-8939 April 27, 2026 This brochure supplement provides information about your Investment Advisor Representative that supplements the firm disclosure brochure. You should have received a copy of the firm brochure that describes the investment advisory services offered through Quinn J. Paul McCracken a registered investment advisor. Please contact Quinn J. Paul McCracken at the telephone number above if you did not receive their brochure or if you have any questions about the contents of this supplement. Additional information about your Investment Advisor Representative is available on the SEC’s website at www.adviserinfo.sec.gov. Page 40 of 47  Item 2 - Educational Background and Business Experience This section of the brochure supplement includes the supervised person’s name, age (or year of birth), formal education after high school, and business background (including an identification of the specific positions held) for the preceding five years. Quinn J. P. McCracken Year of birth: 1998 Education The following information details your Financial the firm’s formal education. If a degree was attained, the type of the degree will be listed next to the name of the institution. If a degree is not listed, the Financial the firm attended the institution but did not attain a degree. Geneva College, Bachelor of Science in Business Administration, 2020 Executive Certificate in Financial Planning, Duquesne University, 2022 CERTIFIED FINANCIAL PLANNER® professional Mr. McCracken is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, Mr. McCracken may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and 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. Page 41 of 47  Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Business Experience The following information details your Investment Advisor Representative’s business experience for at least the past 5 years. River’s Edge Wealth Management, LLC – Investment Advisor Representative 05/2021 – Present EWA, LLC – Investment Advisor Representative 03/2021 – 05/2021 Item 3 - Disciplinary Information This section includes any legal or disciplinary events and material to a client's or prospective client's evaluation of the supervised person. There are no legal or disciplinary events required to be disclosed in response to this item. Any such disciplinary information would be available at www.adviserinfo.sec.gov. Item 4 - Other Business Activities This section includes any relationship between the advisory business and the supervised person’s other financial industry activities that create a material conflict of interest with clients and describes the nature of the conflict and generally how it is addressed. If the supervised person is actively engaged in any investment- related business or occupation, including if the supervised person is registered, or has an application pending to register, as a broker-dealer, registered representative of a broker-dealer, futures commission merchant (“FCM”), commodity pool operator (“CPO”), commodity trading advisor (“CTA”), or an associated person of an FCM, CPO, or CTA, the business relationship, if any, between the advisory business and the other business is disclosed below. Item 5 - Additional Compensation This section includes details regarding if someone who is not a client provides an economic benefit to the supervised person for providing advisory services. For purposes of this Item, economic benefits include sales awards and other prizes, but not the supervised person’s regular salary, if any. Page 42 of 47  Mr. McCracken can receive “compensation” from product sponsors such as gifts valued at generally less than $100, an occasional dinner or tickets to a sporting event, reimbursement for educational/training events or marketing/advertising expenses. Mr. McCracken can receive “compensation” such as bonuses, awards, stock options or attendance at conferences, forums and/or events. Item 6 – Supervision This section explains how the firm provides supervisory oversight. River’s Edge Wealth Management, LLC maintains a supervisory structure and system reasonably designed to prevent violations of the Investment Advisers Act of 1940. • Adherence to the firm's policies and procedures; • Post review of all trades executed in client accounts; • Adherence to the firm's standards for client meetings; • Pre-approval of materials provided to clients; • Completion of various compliance forms including: Quarterly Personal Securities Transactions, Annual Holdings Reports, Annual Attestation of the firm's Policies and Procedures Manual, Code of Ethics and Privacy Notice; • Notes of all client communication in the firm's client management database; and Completion and adherence to investment policy statements or the like for each client. The Chief Compliance Officer, is responsible for administering the policies and procedures for investment advisory activities and for regularly evaluating their effectiveness. Trevor M. York serves as the Chief Compliance Officer and can be reached at (412) 526-8939. Page 43 of 47  Item 1 - Cover Page Form ADV Part 2B – Individual Disclosure Brochure Jacob Charles McConnell CRD No. 7267272 525 3rd Street, Suite 200 | Beaver, PA 15009 (412) 526-8939 April 27, 2026 This brochure supplement provides information about your Investment Advisor Representative that supplements the firm disclosure brochure. You should have received a copy of the firm brochure that describes the investment advisory services offered through Jacob Charles McConnell a registered investment advisor. Please contact Jacob Charles McConnell at the telephone number above if you did not receive their brochure or if you have any questions about the contents of this supplement. Additional information about your Investment Advisor Representative is available on the SEC’s website at www.adviserinfo.sec.gov. Page 44 of 47  Item 2 - Educational Background and Business Experience This section of the brochure supplement includes the supervised person’s name, age (or year of birth), formal education after high school, and business background (including an identification of the specific positions held) for the preceding five years. Jacob C. McConnell Year of birth: 1998 Education The following information details your Financial the firm’s formal education. If a degree was attained, the type of the degree will be listed next to the name of the institution. If a degree is not listed, the Financial the firm attended the institution but did not attain a degree. Grove City College, Bachelor of Science in Business Economics and Finance, 2021 CERTIFIED FINANCIAL PLANNER® professional Mr. McConnell is certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, Mr. McConnell may refer to himself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and 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. Page 45 of 47  Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Certification Marks: • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Business Experience The following information details your Investment Advisor Representative’s business experience for at least the past 5 years. River’s Edge Wealth Management, LLC – Investment Advisor Representative 05/2025 – Present Life Family Church – Finance Manager 09/2025 – 02/2026 O.N. Investment Management Co – Investment Advisor Representative 03/2022 – 05/2025 Hummel Wealth Management – Investment Advisor Representative 06/2021 – 05/2025 O.N. Equity Sales Company – Registered Representative 09/2021 – 05/2025 Item 3 - Disciplinary Information This section includes any legal or disciplinary events and material to a client's or prospective client's evaluation of the supervised person. There are no legal or disciplinary events required to be disclosed in response to this item. Any such disciplinary information would be available at www.adviserinfo.sec.gov. Item 4 - Other Business Activities This section includes any relationship between the advisory business and the supervised person’s other financial industry activities that create a material conflict of interest with clients and describes the nature of the conflict and generally how it is addressed. If the supervised person is actively engaged in any investment- related business or occupation, including if the supervised person is registered, or has an application pending to register, as a broker-dealer, registered representative of a broker-dealer, futures commission merchant Page 46 of 47  (“FCM”), commodity pool operator (“CPO”), commodity trading advisor (“CTA”), or an associated person of an FCM, CPO, or CTA, the business relationship, if any, between the advisory business and the other business is disclosed below. Insurance Agent Mr. McConnell is a licensed insurance agent through numerous insurance companies. In such a capacity, he offers insurance products and receives normal and customary commissions. This presents a conflict of interest to the extent that he recommends the purchase of an insurance product which results in a commission being paid to him as an insurance agent. Mr. McConnell can recommend insurance products to advisory clients and earn commission compensation from the sale of insurance products if clients purchase those products. The insurance products sold are through various third-party non- affiliated insurance companies. Item 5 - Additional Compensation This section includes details regarding if someone who is not a client provides an economic benefit to the supervised person for providing advisory services. For purposes of this Item, economic benefits include sales awards and other prizes, but not the supervised person’s regular salary, if any. Mr. McConnell can receive “compensation” from product sponsors such as gifts valued at generally less than $100, an occasional dinner or tickets to a sporting event, reimbursement for educational/training events or marketing/advertising expenses. Mr. McConnell can receive “compensation” such as bonuses, awards, stock options or attendance at conferences, forums and/or events. Item 6 – Supervision This section explains how the firm provides supervisory oversight. River’s Edge Wealth Management, LLC maintains a supervisory structure and system reasonably designed to prevent violations of the Investment Advisers Act of 1940. • Adherence to the firm's policies and procedures; • Post review of all trades executed in client accounts; • Adherence to the firm's standards for client meetings; • Pre-approval of materials provided to clients; • Completion of various compliance forms including: Quarterly Personal Securities Transactions, Annual Holdings Reports, Annual Attestation of the firm's Policies and Procedures Manual, Code of Ethics and Privacy Notice; • Notes of all client communication in the firm's client management database; and Completion and adherence to investment policy statements or the like for each client. The Chief Compliance Officer, is responsible for administering the policies and procedures for investment advisory activities and for regularly evaluating their effectiveness. Trevor M. York serves as the Chief Compliance Officer and can be reached at (412) 526-8939. Page 47 of 47