Sagent Wealth Management

Sagent Wealth Management, LLC Form ADV Part 2A – Firm Brochure This Brochure provides information about the qualifications and business practices of Sagent Wealth Management, LLC (“Sagent” or the “Firm”). If you have any questions about the contents of this Brochure, please contact us at: Sagent Wealth Management, LLC 1489 Glenneyre St Laguna Beach, California 92651 Telephone: (949) 756-2229 Website: www.SagentWM.com Email: Info@SagentWM.com The Firm is an investment adviser registered with the United States Securities and Exchange Commission (“SEC”). Registration with the SEC does not imply a certain level of skill or training. This Brochure describes the Firm’s Wealth Management Services, investment philosophy, business practices, fees, conflicts of interest, and other information that may be important in evaluating whether to establish or continue an advisory relationship with the Firm. Additional information about the Firm is available on the SEC’s website at www.adviserinfo.sec.gov. Last Revised: June 30, 2026 Prepared by: Marshall G. Eichenauer Jr. Chief Compliance Officer  Item 2 – Material Changes The Firm is required to update this Brochure whenever material changes occur and, at least annually, to review its contents to determine whether additional updates are necessary. This Brochure has been comprehensively revised to more accurately reflect the Firm’s current Wealth Management Services, investment philosophy, business practices, conflicts of interest, and compliance policies. Clients will receive a summary of any material changes whenever required by applicable law and may request a current copy of this Brochure at any time without charge. The current version of the Firm’s Brochure is also available upon request. Item 3 – Table of Contents Contents Item 1 – Cover Page ....................................................... Error! Bookmark not defined. Item 2 – Material Changes .............................................................................................. 2 Item 3 – Table of Contents .............................................................................................. 2 Item 4 – Advisory Business ............................................................................................. 4 4.1 Firm Overview ........................................................................................................ 4 4.2 Wealth Management Services ............................................................................... 4 4.3 Complimentary Financial Checkup ........................................................................ 5 4.4 Investment Management ....................................................................................... 5 4.5 Ongoing Wealth Management ............................................................................... 6 4.6 Assets Under Management ................................................................................... 6 Item 5 – Fees and Compensation ................................................................................... 6 5.1 Wealth Management Fee....................................................................................... 6 5.2 Billing Authorization ............................................................................................... 7 5.3 Other Fees and Expenses ..................................................................................... 7 5.4 Fee Refunds .......................................................................................................... 7 5.5 Conflicts Related to Fees ....................................................................................... 8 Item 6 – Performance-Based Fees and Side-by-Side Management ............................... 8 Item 7 – Types of Clients ................................................................................................. 8 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss .......................... 9  8.1 Investment Philosophy ........................................................................................... 9 8.2 Methods of Analysis ............................................................................................... 9 8.3 Fundamental Analysis ............................................................................................ 9 8.4 Technical Analysis .................................................................................................. 9 8.5 Charting ............................................................................................................... 10 8.6 Cyclical Analysis .................................................................................................. 10 8.7 Quantitative Analysis ........................................................................................... 10 8.8 Qualitative Analysis .............................................................................................. 10 8.9 Portfolio Management and Investment Strategies ............................................... 10 8.10 Risk of Loss ....................................................................................................... 11 Item 9 – Disciplinary Information ................................................................................... 11 Item 10 – Other Financial Industry Activities and Affiliations ......................................... 12 Other Financial Industry Activities .............................................................................. 12 10.1 Insurance Activities ............................................................................................ 12 10.2 Real Estate Activities ......................................................................................... 12 10.3 Management of Conflicts of Interest .................................................................. 12 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .......................................................................................................................... 13 Item 12 – Brokerage Practices ...................................................................................... 14 12.1 Custodial Relationships ..................................................................................... 14 12.2 Best Execution ................................................................................................... 14 12.3 Brokerage Benefits ............................................................................................ 15 12.4 Trade Aggregation ............................................................................................. 15 Item 13 – Review of Accounts ....................................................................................... 15 13.1 Ongoing Reviews ............................................................................................... 15 13.2 Review Responsibility ........................................................................................ 16 13.3 Client Reports .................................................................................................... 16 Item 14 – Client Referrals and Other Compensation ..................................................... 16 14.1 Client Referrals .................................................................................................. 16 14.2 Other Compensation .......................................................................................... 17 Item 15 – Custody ......................................................................................................... 17 Item 16 – Investment Discretion .................................................................................... 17 Item 17 – Voting Client Securities ................................................................................. 18  Item 4 – Advisory Business 4.1 Firm Overview The Firm is an investment adviser registered with the United States Securities and Exchange Commission (“SEC”). The Firm’s principal office is located in Laguna Beach, California and it has been providing wealth management and investment advisory services since 2008. The Firm is wholly owned by Sagent Capital, LLC. Registration with the SEC does not imply a certain level of skill or training. 4.2 Wealth Management Services The Firm provides ongoing Wealth Management Services designed to help clients organize, manage, and preserve their financial lives. Rather than focusing exclusively on investment management, the Firm integrates financial planning, investment management, and ongoing wealth management advice into a long-term advisory relationship tailored to each client’s unique circumstances and objectives. Depending upon a client’s needs, Wealth Management Services may include: Investment management; • • Financial planning; • Retirement planning; • Estate planning coordination; • Cash flow analysis; • Education planning; • Insurance planning; • Coordination with clients’ tax and legal advisers; and • Other financial consulting services appropriate to the client’s circumstances. The specific services provided to each client are determined by the client’s financial circumstances, objectives, and the terms of the applicable advisory agreement. The Firm's Wealth Management Services may be provided with respect to investment accounts maintained with the Firm's recommended custodians, insurance companies, and other financial institutions. In certain circumstances, the Firm may utilize third-party technology platforms, such as Pontera, to facilitate the monitoring and management of certain client investment accounts maintained outside of the Firm's primary custodial relationships.  4.3 Complimentary Financial Checkup The Firm’s advisory relationship typically begins with a Complimentary Financial Checkup (“FC”), which serves as the foundation of the Firm’s wealth management process. The purpose of the FC is to develop a comprehensive understanding of a prospective client’s financial circumstances, goals, concerns, and planning opportunities before investment recommendations are made. Depending upon the prospective client’s circumstances, the FC may include an evaluation of: Income and cash flow; Insurance needs; • Assets and liabilities; • Investment holdings; • Retirement planning; • • • Estate planning considerations; • Education funding; • Risk tolerance; and • Other financial matters relevant to the prospective client’s objectives. The FC is intended to help prospective clients better understand their financial situation while assisting both the prospective client and the Firm in determining whether an ongoing advisory relationship would be appropriate. For clients who engage the Firm, the FC becomes an ongoing Wealth Management resource that is reviewed and updated as appropriate throughout the advisory relationship. The Firm generally offers a Complimentary Financial Checkup to prospective clients whom the Firm believes may benefit from its advisory services. 4.4 Investment Management Investment management is provided as part of the Firm’s Wealth Management Services. Based upon the information obtained during the client onboarding process, the Firm develops investment recommendations designed to be consistent with each client’s financial objectives, investment time horizon, risk tolerance, liquidity needs, tax considerations, and other relevant factors. Client portfolios may be managed on either a discretionary or non-discretionary basis, as authorized by the client and described in the applicable advisory agreement. The Firm utilizes a variety of investment approaches, including proprietary model portfolios, customized portfolios, individual securities, and, when appropriate,  independent third-party investment managers. The Firm may modify its investment strategies, model portfolios, or investment processes in response to changes in market conditions, investment opportunities, or client needs. 4.5 Ongoing Wealth Management Wealth Management is an ongoing process rather than a one-time engagement. The Firm seeks to maintain long-term advisory relationships through periodic portfolio reviews, financial planning discussions, and ongoing communication. Clients are invited to participate in periodic review meetings, typically once or twice each year, although additional meetings may be held whenever circumstances warrant or at the client’s request. Review discussions may include investment performance, portfolio allocation, progress toward financial goals, changes in financial circumstances, retirement planning, estate planning considerations, economic conditions, and other matters relevant to the client’s overall financial well-being. 4.6 Assets Under Management As of June 30, 2026, the Firm managed approximately $104,765,363 in regulatory assets under management, consisting of approximately $103,034,838 managed on a discretionary basis and $7,730,424 managed on a non-discretionary basis. These amounts are updated annually in accordance with SEC requirements. Item 5 – Fees and Compensation 5.1 Wealth Management Fee The Firm is compensated through a fee for providing ongoing Wealth Management Services. Wealth Management Services include investment management, ongoing financial planning, periodic client reviews, and other advisory services provided under the terms of the client’s advisory agreement. The Firm’s annual advisory fee is generally based upon a percentage of the market value of the assets under management in accordance with the following schedule: Assets Under Management Annual Fee $0 – $499,999 1.50% $500,000 – $999,999 1.25% $1,000,000 – $2,999,999 0.90% $3,000,000 and above 0.65%  The specific fee applicable to each client is set forth in the client’s advisory agreement. The Firm bills advisory fees quarterly in advance based upon the market value of the assets under management as of the last business day of the preceding calendar quarter. Initial fees are prorated based upon the date advisory services begin. The Firm may negotiate advisory fees based upon factors such as the nature of the advisory relationship, anticipated assets under management, related accounts, complexity of the client’s circumstances, or other relevant considerations. Accordingly, similarly situated clients may pay different advisory fees. 5.2 Billing Authorization Clients generally authorize the Firm to deduct advisory fees directly from their custodial accounts. The client’s qualified custodian reflects advisory fee deductions on the account statements provided to the client. Clients may revoke fee deduction authority upon written notice to the Firm. Alternative billing arrangements may be available upon mutual agreement. 5.3 Other Fees and Expenses The Firm’s advisory fee is separate from the fees and expenses charged by third parties. Depending upon the investments selected and the services utilized, clients may incur additional costs, including: Independent third-party manager fees; • Custodial fees; • Brokerage or transaction costs; • Mutual fund or exchange-traded fund operating expenses; • • Fees associated with annuities or other investment products; • Wire transfer or electronic fund transfer fees; • Taxes; and • Other fees imposed by unaffiliated third parties. Clients are encouraged to review applicable prospectuses, offering documents, and custodial disclosures for additional information regarding these expenses. 5.4 Fee Refunds If an advisory relationship terminates before the end of a billing period, the Firm will calculate any refund of prepaid advisory fees in accordance with the terms of the client’s advisory agreement.  5.5 Conflicts Related to Fees Because the Firm’s compensation is generally based upon assets under management, the Firm has a financial incentive to encourage clients to increase the assets managed by the Firm. This creates a conflict of interest. The Firm seeks to manage this conflict by acting as a fiduciary, disclosing material conflicts of interest, and maintaining policies and procedures reasonably designed to place clients’ interests ahead of the Firm’s own interests. Item 6 – Performance-Based Fees and Side-by-Side Management A performance-based fee is a fee based on a share of capital gains or capital appreciation of a client’s assets. The Firm does not charge performance-based fees. The Firm’s compensation is based solely on the advisory fees described in Item 5 and is not dependent upon the investment performance of client accounts. Because the Firm does not charge performance-based fees, it does not engage in side-by- side management involving both performance fee accounts and asset-based fee accounts. Item 7 – Types of Clients The Firm offers Wealth Management Services to a variety of clients, including: Individuals; • • Families; • Trusts; • Retirement plans; • Businesses; • Non-profit organizations; • Family offices; and • Other entities for whom the Firm’s services are appropriate. The Firm generally determines whether a prospective client is an appropriate fit based upon the client’s circumstances, financial planning needs, investment objectives, and the Firm’s ability to provide meaningful value through its Wealth Management Services.  The Firm does not impose a general minimum account size or minimum asset requirement. The Firm reserves the right to accept or decline prospective clients based upon the nature of the requested services and other relevant considerations. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss 8.1 Investment Philosophy The Firm believes that successful investing begins with a disciplined investment process and a thorough understanding of each client’s financial circumstances, objectives, time horizon, liquidity needs, and tolerance for risk. The Firm’s investment process consists of two distinct but complementary functions. First, the Firm evaluates investment opportunities and develops investment strategies through its portfolio management process. Second, the Firm works with each client to determine which investment strategy is most appropriate based upon the client’s financial circumstances and objectives as identified through the Firm’s Wealth Management process. 8.2 Methods of Analysis In providing portfolio management services, the Firm utilizes various analytical methods to evaluate investment opportunities, construct portfolios, select investments, evaluate third-party investment managers, and make ongoing investment decisions. Depending upon market conditions and the investment under consideration, the Firm may rely on the following analytical methods. 8.3 Fundamental Analysis Fundamental analysis evaluates economic, financial, and other qualitative and quantitative factors that may affect the value of an investment. The Firm considers factors such as economic conditions, interest rates, corporate earnings, financial strength, valuation, competitive position, and industry trends when evaluating investment opportunities. 8.4 Technical Analysis Technical analysis evaluates market activity, including price movements, trading volume, and market trends, to assist in assessing investor sentiment and identifying potential changes in market direction. The Firm may use technical analysis as a component of its overall investment decision-making process.  8.5 Charting Charting involves the graphical analysis of historical market data, including price and trading volume, to assist in identifying trends, support and resistance levels, and other technical characteristics of securities or markets. Charting is used as a supplemental analytical tool and is not relied upon in isolation. 8.6 Cyclical Analysis Cyclical analysis considers recurring economic and market cycles and their potential impact on asset classes, industry sectors, and individual investments. The Firm may consider economic, interest rate, business, and market cycles when making portfolio management decisions. 8.7 Quantitative Analysis Quantitative analysis utilizes measurable financial and statistical data to evaluate investments and portfolios. Factors considered may include historical performance, volatility, valuation metrics, correlations, portfolio diversification, and other objective measures relevant to investment decision-making. 8.8 Qualitative Analysis Qualitative analysis evaluates factors that may not be readily quantified, including management quality, competitive advantages, corporate governance, regulatory developments, and broader economic or industry considerations that may influence investment performance. No single analytical method is used exclusively, nor does any analytical method guarantee investment success or eliminate the risk of loss. Investment decisions are based upon the Firm’s professional judgment after considering those factors it believes are most relevant under the circumstances. 8.9 Portfolio Management and Investment Strategies The Firm employs the analytical methods described above to develop and maintain investment strategies designed to address a range of investment objectives and risk tolerances. Depending upon a client’s circumstances, investment strategies may be implemented using one or more of the following approaches: • Proprietary Total Return model portfolios; • Customized investment portfolios; • • Individual securities; Independent third-party investment managers; or  • A combination of these approaches. The selection of an investment strategy is based upon the client’s financial circumstances, investment objectives, risk tolerance, liquidity needs, tax considerations, and other factors identified through the Firm’s Wealth Management process. The Firm generally emphasizes diversified, long-term investing and may periodically modify portfolios or investment strategies in response to changes in market conditions, economic outlook, investment opportunities, or changes in a client’s financial circumstances or objectives. 8.10 Risk of Loss All investing involves risk, including the possible loss of principal. Investment values may fluctuate due to changes in market conditions, economic events, interest rates, inflation, company-specific developments, geopolitical events, and other factors beyond the Firm’s control. Past performance is not indicative of future results. No investment strategy, analytical method, or portfolio management approach can guarantee investment success or prevent investment losses. Clients should carefully consider their financial circumstances and tolerance for risk before investing. Item 9 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding certain legal or disciplinary events that would be material to a client’s evaluation of the Firm or the integrity of its management. On September 22, 2017, Sagent Wealth Management, LLC and its Managing Member, Marshall G. Eichenauer, Jr., entered into a settlement with the U.S. Securities and Exchange Commission relating to alleged violations of the Investment Advisers Act of 1940. Without admitting or denying the SEC’s findings, the Firm and Mr. Eichenauer consented to the entry of the SEC’s order resolving the matter. A copy of the SEC’s Order is available upon request.  Item 10 – Other Financial Industry Activities and Affiliations Other Financial Industry Activities Marshall G. Eichenauer, Jr., President and Chief Investment Officer of Sagent Wealth Management, is licensed as a California insurance producer and a California real estate broker. These activities are conducted separately from the Firm’s investment advisory business. 10.1 Insurance Activities From time to time, clients may request that Mr. Eichenauer assist them in evaluating or purchasing insurance products. If a client elects to purchase an insurance product through Mr. Eichenauer, he may receive commissions or other compensation from the insurance company issuing the policy. This compensation is separate from the advisory fees paid to the Firm. This creates a conflict of interest because Mr. Eichenauer has a financial incentive to recommend insurance products for which he may receive additional compensation. Clients are under no obligation to purchase insurance products through Mr. Eichenauer and are free to obtain insurance products from any insurance professional of their choosing. 10.2 Real Estate Activities Mr. Eichenauer is also licensed as a California real estate broker. Although real estate brokerage services are not part of the Firm’s Wealth Management Services, clients may occasionally request assistance with a real estate transaction. If a client elects to engage Mr. Eichenauer in connection with a real estate transaction, he may receive commissions or other compensation. This compensation is separate from the advisory fees paid to the Firm. This creates a conflict of interest because Mr. Eichenauer has a financial incentive to recommend his own real estate brokerage services. Clients are under no obligation to engage Mr. Eichenauer in connection with a real estate transaction and are free to use any real estate professional of their choosing. 10.3 Management of Conflicts of Interest The Firm recognizes that these outside financial activities present potential conflicts of interest. The Firm seeks to manage these conflicts by acting in a fiduciary capacity,  providing full and fair disclosure of material conflicts of interest, and recommending products or services only when the Firm believes they are in the client’s best interest. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading The Firm has adopted a Code of Ethics designed to support the Firm’s fiduciary duty to place clients’ interests first, promote honest and ethical conduct, and ensure compliance with applicable federal securities laws. The Code of Ethics establishes standards of business conduct for the Firm and its personnel and addresses matters including: • Fiduciary responsibilities; • Conflicts of interest; • Protection of confidential client information; • Personal securities transactions; • Outside business activities; • Gifts and entertainment; and • Compliance with applicable laws and regulations. The Firm permits its personnel to invest in securities that may also be recommended to or purchased for clients, subject to the requirements of the Firm’s Code of Ethics. Because employees may own or acquire the same securities as clients, potential conflicts of interest may arise. The Firm’s Code of Ethics and related compliance policies are designed to help ensure that employee trading does not disadvantage clients, that material nonpublic information is not misused, and that client interests remain paramount. The Firm’s Code of Ethics also establishes policies designed to: Identify and manage conflicts of interest; • Place client interests ahead of employee interests; • • Protect confidential client information; • Promote fair and equitable treatment of all clients; and • Encourage compliance with applicable securities laws and ethical standards. A copy of the Firm’s Code of Ethics is available to any client or prospective client upon request.  Item 12 – Brokerage Practices 12.1 Custodial Relationships The Firm recommends that advisory accounts be maintained with custodians approved by the Firm. The Firm recommends Altruist Financial, LLC and National Financial Services LLC (“NFS”), a subsidiary of Fidelity Investments, as the primary custodians through which the Firm offers its Wealth Management Services. Clients establish custodial accounts with custodians made available by the Firm and enter into a separate custodial agreement governing the custodial relationship. The Firm periodically evaluates its custodial relationships to determine whether they continue to meet the needs of the Firm and its clients. The Firm may utilize third-party technology platforms, such as Pontera, to facilitate the monitoring and management of certain client investment accounts maintained outside of the Firm's primary custodial relationships. The Firm pays the fees associated with these platforms from its own revenues and does not receive compensation from the platform provider in connection with their use. 12.2 Best Execution The Firm has a fiduciary duty to seek best execution when placing transactions on behalf of clients. The Firm’s ability to seek best execution is necessarily influenced by the custodial relationships available to the Firm and its clients. The Firm recommends custodians that it believes are capable of providing high-quality custodial and brokerage services and evaluates execution quality within those custodial relationships. The Firm does not represent that it has access to every custodian or brokerage platform available in the marketplace. The Firm’s selection of custodial relationships is based upon numerous business, operational, regulatory, and service-related considerations, including whether a custodian is willing and able to provide custodial services to the Firm and its clients. In evaluating execution quality, the Firm considers a variety of factors, including transaction costs, execution capability, financial responsibility, responsiveness, operational efficiency, and the overall quality of the custodial and brokerage services provided. The Firm recognizes that the lowest available commission or transaction cost does not necessarily result in best execution.  12.3 Brokerage Benefits Custodians may make available products and services that assist the Firm in managing client accounts and operating its advisory business. These products and services may include trading platforms, account access, research, technology, educational materials, practice management resources, and other administrative support. The availability of these services presents a conflict of interest because the Firm has an incentive to recommend custodians that provide such benefits. The Firm seeks to manage this conflict by recommending custodians based upon the overall quality of the custodial and brokerage services provided to clients and not solely upon the availability of brokerage benefits. The Firm does not participate in soft-dollar arrangements. 12.4 Trade Aggregation When consistent with its duty to seek best execution and the equitable treatment of clients, the Firm may aggregate orders for multiple client accounts. Aggregated transactions may enable participating accounts to receive more favorable execution and, in some circumstances, lower transaction costs. Participating accounts generally receive the average execution price for the aggregated transaction. Certain accounts, including customized portfolios, accounts managed by independent third-party investment managers, or accounts subject to client-imposed investment restrictions, may not participate in aggregated transactions. Item 13 – Review of Accounts 13.1 Ongoing Reviews As part of its Wealth Management Services, the Firm periodically reviews client accounts and financial circumstances to determine whether investment strategies and financial planning recommendations continue to be appropriate. Reviews may include consideration of: Investment objectives; • • Risk tolerance; • Asset allocation; • Portfolio performance; • Changes in financial circumstances;  • Retirement planning; • Estate planning considerations; • Cash flow needs; • Tax considerations; and • Other matters relevant to the client’s financial objectives. The scope and frequency of reviews vary depending upon the client’s circumstances, the nature of the advisory relationship, changes in market conditions, and other relevant factors. Although clients are generally invited to participate in review meetings once or twice each year, additional reviews may be conducted whenever the Firm or the client believes they are appropriate. 13.2 Review Responsibility Marshall G. Eichenauer, Jr., President and Chief Investment Officer, is responsible for overseeing the review process and may delegate certain review activities to other qualified advisory personnel. The Firm’s Chief Compliance Officer provides oversight of the Firm’s compliance policies and procedures but is not responsible for making investment recommendations solely by virtue of serving in that role. 13.3 Client Reports Clients receive account statements directly from their qualified custodian, generally on a monthly or quarterly basis depending upon account activity and the custodian’s reporting practices. The Firm also provides portfolio reports, performance reports, financial planning information, or other reports as the Firm believes are appropriate to assist clients in monitoring their advisory relationship. Clients are encouraged to carefully review all custodial statements and compare them to any reports received from the Firm. In the event of any discrepancy, clients should rely upon the information contained in the custodial statement and promptly notify the Firm. Item 14 – Client Referrals and Other Compensation 14.1 Client Referrals The Firm does not compensate third parties for client referrals and does not participate in solicitor or promoter arrangements.  From time to time, the Firm may receive referrals from existing clients, professional advisers, or other individuals who recommend the Firm based upon their personal experience or professional relationship with the Firm. The Firm does not provide compensation for these referrals. Should the Firm enter into a compensated referral arrangement in the future, the Firm will comply with all applicable federal securities laws, including providing any disclosures required by the SEC’s Marketing Rule. 14.2 Other Compensation Except as disclosed in Item 10 regarding Mr. Eichenauer’s insurance and real estate activities, the Firm does not receive compensation from non-clients in connection with providing Wealth Management Services. The Firm may receive non-cash products and services from custodians as described in Item 12. These arrangements do not alter the advisory fees paid by clients. Item 15 – Custody Except for custody arising solely from the Firm's authority to deduct advisory fees directly from client accounts, the Firm does not take custody of client funds or securities. Client assets are maintained by qualified custodians selected by the client from those made available by the Firm. Clients receive account statements directly from their qualified custodian, generally on a monthly or quarterly basis depending upon account activity and the custodian's reporting practices. Item 16 – Investment Discretion Clients may authorize the Firm to manage their accounts on either a discretionary or non- discretionary basis. When discretionary authority is granted, the Firm is authorized to purchase and sell securities and determine the amount and timing of transactions without obtaining the client’s prior approval for each transaction. Discretionary authority is granted through the client’s advisory agreement and may be limited by written investment restrictions agreed upon by the Firm. For non-discretionary accounts, the Firm provides investment recommendations, but the client is responsible for approving each transaction before it is executed. Clients may modify or revoke discretionary authority at any time by providing written notice to the Firm, subject to the terms of the advisory agreement.  Item 17 – Voting Client Securities The Firm does not accept authority to vote proxies on behalf of clients. Clients retain the responsibility for receiving and voting proxies relating to securities held in their accounts. Upon request, the Firm may provide clients with information or analysis regarding a particular proxy matter; however, the Firm is under no obligation to provide such advice and assumes no responsibility for monitoring proxy materials or corporate actions. Clients should direct questions regarding proxy materials to their qualified custodian or contact the Firm if they have questions concerning a particular proxy matter. 

Sagent Wealth Management, LLC Form ADV Part 2B – Brochure Supplement Iris Aillaud Iris Aillaud Sagent Wealth Management, LLC 1489 Glenneyre Street Laguna Beach, CA 92651 Telephone: (949) 756-2229 Website: www.SagentWM.com Email: Info@SagentWM.com This Brochure Supplement provides information about Iris Aillaud that supplements the Sagent Wealth Management, LLC Form ADV Part 2A ("Firm Brochure"). You should have received a copy of the Firm Brochure. Please contact the Firm if you did not receive a copy or if you have any questions concerning the contents of this Brochure Supplement. Additional information about Iris Aillaud is available on the SEC’s website at www.adviserinfo.sec.gov. Last Revised: June 30, 2026 Prepared by: Marshall G. Eichenauer Jr. Chief Compliance Officer  Item 2 – Educational Background and Business Experience Iris Aillaud is the Controller and an Investment Adviser Representative of Sagent Wealth Management, LLC ("Sagent" or the "Firm"). She is responsible for overseeing the Firm's financial operations, administrative functions, and relationships with custodians and other service providers in support of the Firm's Wealth Management Services. Ms. Aillaud joined Marshall G. Eichenauer Jr. at UBS Financial Services in 2008 and later that year played a significant role in the formation of Sagent Wealth Management. Since that time, she has served in a variety of roles before assuming her current responsibilities as the Controller and an Investment Adviser Representative, including previously serving as the Firm's Operations Manager and Chief Compliance Officer. Her experience in advisory operations, compliance, client account administration, and financial management provides her with a comprehensive understanding of the Firm's operations and its commitment to serving clients. Education California Polytechnic State University, San Luis Obispo Bachelor of Science, Economics Concentration in Finance 2007 Ms. Aillaud earned a Bachelor of Science degree in Economics with a concentration in Finance from California Polytechnic State University, San Luis Obispo. Professional Experience Sagent Wealth Management, LLC Controller/Investment Adviser Representative 2026 – Present Sagent Wealth Management, LLC Controller 2021 – 2026 Whirlpool Corporation Operations Manager – Creative Services and Photography Department 2013 – 2017 Sagent Wealth Management, LLC Operations Manager/Chief Compliance Officer/Investment Adviser Representative  2008 – 2013 UBS Financial Services Inc. Client Service Associate/Investment Advisor Representative 2008 Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding certain legal or disciplinary events that would be material to a client's evaluation of a supervised person. Ms. Aillaud has no legal or disciplinary events that are required to be disclosed. Item 4 – Other Business Activities Ms. Aillaud does not engage in any investment-related business or occupation outside of her responsibilities with the Firm. Item 5 – Additional Compensation Ms. Aillaud does not receive any economic benefit or additional compensation from non- clients in connection with providing Wealth Management Services on behalf of the Firm. Item 6 – Supervision As an Investment Adviser Representative of the Firm, Ms. Aillaud is supervised by Marshall G. Eichenauer Jr., Founder, President, Chief Investment Officer, and Chief Compliance Officer. The Firm has adopted written supervisory procedures, a Code of Ethics, and compliance policies and procedures reasonably designed to promote compliance with the federal securities laws and to assist the Firm in fulfilling its fiduciary obligations to its clients. Questions concerning Ms. Aillaud's advisory activities or this Brochure Supplement may be directed to Marshall G. Eichenauer Jr. at (949) 756-2229. 

Sagent Wealth Management, LLC Form ADV Part 2B – Brochure Supplement Marshall G. Eichenauer Jr. Marshall G. Eichenauer, Jr. Sagent Wealth Management, LLC 1489 Glenneyre Street Laguna Beach, CA 92651 Telephone: (949) 756-2229 Website: www.SagentWM.com Email: Info@SagentWM.com This Brochure Supplement provides information about Marshall G. Eichenauer, Jr. that supplements the Sagent Wealth Management, LLC Form ADV Part 2A ("Firm Brochure"). You should have received a copy of the Firm Brochure. Please contact the Firm if you did not receive a copy or if you have any questions concerning the contents of this Brochure Supplement. Additional information about Marshall G. Eichenauer, Jr. is available on the SEC's website at www.adviserinfo.sec.gov. Last Revised: June 30, 2026 Prepared by: Marshall G. Eichenauer Jr. Chief Compliance Officer  Item 2 – Educational Background and Business Experience Marshall G. Eichenauer, Jr. is the Founder, President, Chief Investment Officer and Chief Compliance Officer of Sagent Wealth Management, LLC (“Sagent” or the “Firm”). Mr. Eichenauer works directly with clients to develop and implement comprehensive Wealth Management solutions while overseeing the Firm's investment process and compliance program. He founded the Firm in 2008 and has provided investment advisory and Wealth Management Services for more than three decades. As President, Chief Investment Officer and Chief Compliance Officer, Mr. Eichenauer is responsible for the Firm's investment philosophy, portfolio management process, development of investment strategies, and oversight of the Firm's Wealth Management Services and the development and implementation of its Compliance Program. Education Wharton School, University of Pennsylvania Executive Education Program Certified Investment Management Analyst® (CIMA®) 2004 – 2005 Marshall Eichenauer Jr. holds the Certified Investment Management Analyst® certification, administered by the Investments & Wealth Institute and taught in conjunction with The Wharton School, University of Pennsylvania. WP Carry School of Business, Arizona State University Bachelor of Science (B.S.), Finance 1979 – 1983 Marshall Eichenauer Jr. obtained a Bachelor of Science degree in Business Finance. His coursework emphasized finance, accounting, and real estate. Professional Experience Sagent Wealth Management, LLC Founder/President/ Chief Investment Officer/ Chief Compliance Officer/ Investment Advisor Representative 2013 – Present Founder/President/ Chief Investment Officer/Investment Advisor Representative August 2008 – 2013  UBS Financial Services Inc. (and predecessor firms) Senior Vice President – Investments December 1996 – August 2008 Smith Barney (and predecessor firms) Financial Advisor February 1993 – December 1996 Item 3 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding certain legal or disciplinary events that would be material to a client's evaluation of a supervised person. On September 22, 2017, Marshall G. Eichenauer, Jr. and Sagent Wealth Management, LLC entered into a settlement with the U.S. Securities and Exchange Commission relating to alleged violations of the Investment Advisers Act of 1940. Without admitting or denying the SEC's findings, Mr. Eichenauer and the Firm consented to the entry of the SEC's Order resolving the matter. A copy of the SEC's Order is available from the Firm upon request. Item 4 – Other Business Activities In addition to his responsibilities with the Firm, Mr. Eichenauer is licensed as a California insurance producer and a California real estate broker. From time to time, clients may request that Mr. Eichenauer assist them in evaluating or purchasing insurance products or in connection with a real estate transaction. If a client elects to engage Mr. Eichenauer in these separate activities, he may receive commissions or other compensation. This compensation is separate from the advisory fees paid to the Firm and creates a conflict of interest because Mr. Eichenauer has a financial incentive to recommend products or services for which he may receive additional compensation. Clients are under no obligation to purchase insurance products or utilize Mr. Eichenauer's  real estate brokerage services and are free to obtain these services from any professional of their choosing. Additional information regarding these activities and the Firm's management of related conflicts of interest is contained in Item 10 of the Firm Brochure. Item 5 – Additional Compensation Except as described in Item 4 of this Brochure Supplement, Mr. Eichenauer does not receive economic benefits or additional compensation from non-clients in connection with providing Wealth Management Services on behalf of the Firm. Item 6 – Supervision As Founder, President, and Chief Investment Officer and Chief Compliance Officer of Sagent Wealth Management, LLC, Mr. Eichenauer is responsible for supervising the Firm's advisory activities and overseeing its compliance program. The Firm has adopted written supervisory procedures, a Code of Ethics, and compliance policies and procedures reasonably designed to promote compliance with the federal securities laws and to assist the Firm in fulfilling its fiduciary obligations to its clients. Questions concerning Mr. Eichenauer's advisory activities or this Brochure Supplement may be directed to him at (949) 756-2229.