TRUEWEALTH FINANCIAL PARTNERS, LLC

Item 1 – Cover Page Registered As: TrueWealth Financial Partners, LLC | CRD No. 316079 Form ADV Part 2A – Firm Disclosure Brochure 915 118th Ave SE, Suite 140 Bellevue, WA 98005 Phone: (425) 615-7360 | Website: www.truewealthfp.com August 22, 2025 this Disclosure Brochure, please contact us at is available on This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of TrueWealth Financial Partners, LLC (“the firm” “Advisor”). If you have any questions about the (425) 615-7360 or by email at contents of mailto:patrick.severson@truewealthfp.com. The information in this Disclosure Brochure has not been approved or verified by the U.S. Securities and Exchange Commission (“SEC”) or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about the firm to assist you in determining whether to retain the firm. Additional information about TrueWealth Financial Partners, LLC the SEC’s website at www.adviserinfo.sec.gov by searching our CRD number 316079. Page 1 of 31  Item 2 – Material Changes The ADV 2A dated August 22, 2025, is the an amendment to the ADV 2A dated February 18, 2025. There have been no material changes. At any time, the current Disclosure Brochure is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching the firm name or CRD number 316079. A copy of this Disclosure Brochure may be requested at any time, by contacting (425) 615-7360 or by email at patrick.severson@truewealthfp.com. Page 2 of 31 ADV 2A – Firm Disclosure Brochure  Item 3 – Table of Contents Item 1 – Cover Page .................................................................................................................................................1 Item 2 – Material Changes .......................................................................................................................................2 Item 3 – Table of Contents.......................................................................................................................................3 Item 4 – Advisory Business ....................................................................................................................................4 Item 5 – Fees and Compensation .............................................................................................................................9 Item 6 – Performance-Based Fees and Side-By-Side Management ......................................................................12 Item 7 – Types of Clients .......................................................................................................................................12 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ...............................................................12 Item 9 – Disciplinary Information .........................................................................................................................18 Item 10 – Other Financial Industry Activities and Affiliations .............................................................................18 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ........................19 Item 12 – Brokerage Practices ...............................................................................................................................19 Item 13 – Review of Accounts...............................................................................................................................21 Item 14 – Client Referrals and Other Compensation .............................................................................................21 Item 15 – Custody ..................................................................................................................................................22 Item 16 – Investment Discretion ............................................................................................................................22 Item 17 – Voting Client Securities.........................................................................................................................22 Item 18 – Financial Information ............................................................................................................................22 Appendix 1 – Wrap Fee Program Brochure ……………………………………………………………...……. 23 Privacy Policy ………………………………………………………………………………………………….. 29 Page 3 of 31 ADV 2A – Firm Disclosure Brochure  Item 4 – Advisory Business Firm Information The firm was organized as an LLC in 2016 and registered as an investment advisor with the SEC in 2021 but the principal owners have been working together since 2013. TrueWealth Financial Partners, LLC takes a family first approach that is rooted in transparency and trust to provide advisory services in the best interests of Clients. This disclosure brochure provides information regarding the qualifications, business practices and details of the advisory services and the applicable fees. Client Bill of Rights • Tailored Guidance based on Client’s unique goals, needs, risk tolerance and values • Transparency for clear and concise answers about portfolio construction and costs. • Confidentiality to protect your personal information. • Communication with a yearly planning session, optional quarterly check-ins and regular availability. Principal Owners Glenn M. Rossman (CRD No. 5936809) Financial Planner & Co-owner Mr. Rossman prides himself on empowering clients to take deliberate and informed action with peace of mind. His practice is built upon creating lasting client relationships as well as providing an educational approach that takes the stress out of financial planning. Glenn is a Washington native and alumni of the University of Washington where he studied Business and Behavioral Finance. Patrick B. Severson (CRD No. 6108246) Financial Planner, Chief Compliance Officer & Co-owner Mr. Severson prides himself on rolling up his sleeves and working hard to advocate for his clients. He believes that no detail is too small, and his greatest honor is managing the burden of financial stress from his clients so they can focus their time on the fun things in life. Patrick is a Graduate of The University of North Dakota where he studied Business with a focus in Entrepreneurship. Advisory Services Offered TrueWealth Financial Partners, LLC provides financial planning and fee only investment advisory services primarily to individual Clients and high-net worth individuals with a focus on retirement. Services are also available to businesses and financial institutions. Page 4 of 31 ADV 2A – Firm Disclosure Brochure  Accounts are managed based on the individual goals, objectives, time horizon, and risk tolerance of each Client. More specifically the primary services offered by the firm include but are not limited to the following. Investment Tax Planning Inflation Estimates Retirement Planning • Goal Setting • Investment Advice • Pension Strategies • Social Security Optimization • • • Healthcare Costs • Longevity Analysis Portfolio Construction • Tailored Investment Strategies • Cost Sensitivity • Non-Proprietary Products • Goal & Value Alignment Risk Management Insurance Planning • Income Replacement • Business Succession • Estate Planning • Disability • • Long Term Care Assets are managed on a discretionary or non-discretionary basis, as selected on the written asset management agreement. • Discretionary Authority – Client grants Advisor ongoing and continuous discretionary authority to execute its investment recommendations without the Client's prior approval of each specific transaction. Under this authority, Client shall allow Advisor to purchase and sell securities and instruments in this Account(s), arrange for delivery and payment in connection with the foregoing, select and retain sub-advisors, and act on behalf of the Client in all matters necessary or incidental. • Non-Discretionary Authority – Advisor will not execute any investment recommendations without Client’s prior approval (verbal or written). Investment strategies and recommendations are tailored to the individual needs of each Client but generally consist of an asset allocation consistent with: • Income with Capital Preservation. Designed as a longer-term accumulation account, this investment objective is considered generally the most conservative. Emphasis is placed on generation of current income with minimal risk of capital loss. Lowering the risk generally means lowering the potential income and overall return. Page 5 of 31 ADV 2A – Firm Disclosure Brochure  • Income with Moderate Growth. This investment objective emphasizes generation of current income with a secondary focus on moderate capital growth. • Growth with Income. This investment objective emphasizes modest capital growth with some focus on generation of current income. • Growth. This investment objective emphasizes achieving high long-term growth and capital appreciation. • Aggressive Growth. This investment objective emphasizes aggressive growth and maximum capital appreciation, with no focus on generation of current income. This objective has an extremely high level of risk and is for investors with a longer timer horizon. At no time will TrueWealth Financial Partners, LLC accept or maintain custody of a Client’s funds or securities. All Client assets will be managed within their designated brokerage account or pension account, pursuant to the Client investment advisory agreement on a discretionary or non-discretionary basis. Investment advice is not limited to certain investment types. • • A minimum total investment amount of $500,000 is generally required. • Advisory services are tailored to the individual need of each Client. LPL Financial Sponsored Platforms Strategic Wealth Management (SWM) Strategic Wealth Management is the name of the custodial account offered through LPL to support investment advisory services provided by TrueWealth Financial Partners, LLC. Within a SWM account, Investment Advisor Representatives provide advice on the purchase and sale of various types of investments, such as mutual funds, exchange-traded funds (“ETFs”), and equities. The advice is tailored to the individual needs of the Client based on the investment objective chosen by the Client to help assist Clients in attempting to meet their financial goals. Accounts are reviewed on a regular basis and rebalanced as necessary according to each Client’s investment profile. More specific account information and acknowledgements are further detailed in the account opening documents. Investment Advisor Representatives can offer SWM I or SWM II. The accounts offer the same investment choices and are managed in the same manner, but the fee structure is different. For SWM I, Clients are charged transaction fees in addition to the advisory fee whereas for SWM II, the transactions fees are sponsored by TrueWealth Financial Partners, LLC. TrueWealth Financial Partners, LLC Wrap Fee Program TrueWealth Financial Partners, LLC offers SWM II as a wrap fee program where the firm acts as the sponsor and portfolio manager. A wrap fee program is an advisory account with a single fee that covers a bundle of Page 6 of 31 ADV 2A – Firm Disclosure Brochure  services; such as, portfolio management, advice, and investment research as well as trade execution, custody, and reporting fee. Please see Appendix 1 –Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. The advisory fee for SWM II accounts may be higher than SWM I to account for the transaction fees. Depending on the anticipated level of trading, Investment Advisor Representatives of TrueWealth Financial Partners, LLC will work with each Client to determine the most cost-effective fee structure. LPL Sponsored Wrap Fee Programs TrueWealth Financial Partners, LLC also offers a wrap fee program where LPL serves as the sponsor and portfolio manager. While LPL serves as the wrap fee sponsor and portfolio manager, TrueWealth Financial Partners, LLC manages the allocation of funds between the different portfolios and available fund selections. Model Wealth Portfolios Program (MWP) MWP offers Clients a professionally managed mutual fund asset allocation program. TrueWealth Financial Partners, LLC will obtain the necessary financial data from the Client, assist the Client in determining the suitability of the MWP program and assist the Client in setting an appropriate investment objective. TrueWealth Financial Partners, LLC will initiate the steps necessary to open an MWP account and have discretion to select a model portfolio designed by LPL’s Research Department consistent with the Client’s stated investment objective. LPL’s Research Department, a third-party portfolio strategist and/or Advisor, through its Investment Advisor Representative, may act as a portfolio strategist responsible for selecting the mutual funds or ETFs within a model portfolio and for making changes to the mutual funds or ETFs selected. The Client will authorize LPL to act on a discretionary basis to purchase and sell mutual funds and ETFs and to liquidate previously purchased securities. The Client will also authorize LPL to effect rebalancing for MWP accounts. MWP requires a minimum asset value for a program account to be managed. The minimums vary depending on the portfolio(s) selected and the account’s allocation amongst portfolios. Manager Access Select Program Manager Access Select provides clients access to the investment advisory services of professional portfolio management firms for the individual management of client accounts. Advisor will assist client in identifying a third-party portfolio manager (Portfolio Manager) from a list of Portfolio Managers made available by LPL. The Portfolio Manager manages client’s assets on a discretionary basis. Advisor will provide initial and ongoing assistance regarding the Portfolio Manager selection process. LPL serves as program sponsor, investment advisor and broker-dealer for the LPL advisory programs. TrueWealth Financial Partners, LLC and LPL may share in the account fee and other fees associated with program accounts. TrueWealth Financial Partners, LLC is responsible to: Page 7 of 31 ADV 2A – Firm Disclosure Brochure  • obtain the necessary financial data from each client; • select the proper advisory program; • determine the investment allocation; and, • provide tailored investment advice based on a client’s investment objectives. Accounts are reviewed on a regular basis and rebalanced as necessary according to each client’s investment profile. Depending on the anticipated level of trading, positions held and account size, investment advisor representatives of TrueWealth Financial Partners, LLC will work with each client to determine the most cost-effective fee structure. Retirement Plan Rollovers Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you. 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 interest ahead of yours. Under this special rule's provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. Client Account Management Prior to engaging TrueWealth Financial Partners, LLC to provide investment advisory services, each Client is required to enter into an investment advisory agreement that defines the terms, conditions, authority, and responsibilities. Page 8 of 31 ADV 2A – Firm Disclosure Brochure  Assets Under Management Assets under management as of February 13, 2025: Assets under Management Discretionary $224,719,836 Non-Discretionary $0.00 Total $224,719,836 Financial Planning Services TrueWealth Financial Partners, LLC, through its Investment Advisor Representatives, generally provides financial planning as part of a comprehensive asset management engagement. However, financial planning is available separately for a separate fee. The type of planning can vary greatly depending on the scope and complexity of an individual’s financial situation. Examples of the type of planning available include but are not limited to the following: • Retirement – Planning an investment strategy to provide inflation-adjusted income for life. • College / Education – Planning to pay the future college/education expenses of a child or grandchild. • Insurance Needs – Planning for the financial needs of survivors to satisfy such financial obligations as housing, dependent child-care and spousal arrangements as well as education. • Estate Planning – Planning that focuses on the most efficient and tax-friendly option to pass on an estate to a spouse, other family members or a charity. • Investment Planning – Planning an investment strategy consistent with objectives, time horizons and risk tolerances. Prior to engaging the firm to provide stand-alone planning or consulting services, Clients are required to enter into an Agreement setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the Client prior to the firm commencing services. Hourly Consulting Services TrueWealth Financial Partners, LLC, through its Investment Adviser Representatives, can provide hourly consulting services instead of a comprehensive financial planning when a narrower scope of services is appropriate. Hourly consulting considers information collected from the client such as financial status, Page 9 of 31 ADV 2A – Firm Disclosure Brochure  investment objectives and tax status, among other data. The Investment Adviser Representatives may or may not deliver a written analysis or report as part of the services. The engagement terminates upon final consultation with the client. Item 5 – Fees and Compensation Investment Management Fees are paid quarterly in advance and will generally not exceed 2.00% of assets under management unless the scope, complexity, amount of time or expertise required warrant a higher fee. The account custodian calculates the advisory fee based on the prior quarter end value, multiplied by the advisory fee divided by 360 and then multiplied by 90. The fee is deducted based on a separate written authorization between the custodian and the Client. • Clients will receive quarterly statements from the Custodian that provides details of the advisory fees. • The investment advisory fee in the first period of service is pro-rated from the inception date of the account[s] to the end of the first quarter. • If the advisory agreement is terminated before the end of the quarterly period, Client is entitled to a pro- rated refund of any pre-paid quarterly advisory fee based on the number of days remaining in the quarter after the termination date. • Asset management fees are exclusive of and in addition to, brokerage fees, transaction fees, and other related costs and expenses. • The firm will not have the authority or responsibility to value portfolio securities. Financial Planning The fee for financial planning can be based on an hourly or a fixed rate depending on the nature of the planning. Fixed fees are generally paid 100% in advance. Hourly fees are generally charged as they are incurred. • Hourly Fee: $150 to $350 • Fixed Fee: $1,000 to $4,000 The applicable fee is determined by the scope and complexity of a particular Client’s financial situation as well as the amount of time and expertise required. In some cases, a fee greater or lesser then the typical fee range may be warranted. Mutual Fund Share Class Disclosures TrueWealth Financial Partners, LLC strives to select the lowest cost share class available; however, certain mutual Page 10 of 31 ADV 2A – Firm Disclosure Brochure  fund share classes charge a 12b-1 fee that generally amounts to an additional .25% expense ratio or more. The purpose of 12b-1 fees, as approved by the SEC, are to cover marketing expenses and shareholder services such as support services and “other expenses” such as legal, accounting and the administrative functions of the custodian. When selecting a mutual fund, Investment Advisor Representatives have a fiduciary duty to choose the share class that helps manage the overall fee structure of the account. The entire fee structure includes such fees as the asset management fee, the expense ratio and ticket charges. • Mutual funds typically offer multiple share classes, including lower-cost share classes that do not • charge 12b-1 fees and are therefore usually less expensive. Investment Advisor Representatives will consider investing Client funds in 12b-1 fee-paying share classes even when a lower-cost share class is available as appropriate to account for the overall fee structure and tax considerations as well as attributes of a fund not available for lesser fees. Compensation for Sales of Securities TrueWealth Financial Partners, LLC does not receive commission compensation for advisory services. Cash Holdings Cash balances invested in LPL’s multi-bank insured cash account (ICA) program are invested in Federal Deposit Insurance Corporation (FDIC) insured deposit accounts at one or more bank or other participating depository institutions. However, clients receive the same interest rate across all ICA deposit accounts taken in the aggregate based on a percentage of the average daily deposit balance. LPL receives a fee from the institutions participating in the ICA program based on the value of advisory assets held in the ICA program. This fee could be higher than the interest rate received by clients and/or could reduce the rate a client could receive elsewhere. Other Fees and Expenses Clients will incur transaction charges for trades executed in a non-Wrap Fee account. These transaction fees are separate from our fees. Also, Clients will pay the following separately incurred expenses, which we do not receive any part of: 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). If a Client’s assets are invested in mutual funds or other pooled investment products, Clients should be aware that there will be two layers of advisory fees and expenses for those assets. Client will pay an advisory fee to the fund manager and other expenses as a shareholder of the fund. Client will also pay Advisor the advisory fee with respect to those assets. Most of the mutual funds available in the program may be purchased directly. Therefore, Clients could generally avoid the second layer of fees by not using the management services of TrueWealth Financial Partners, LLC and by making their own investment decisions. Further information regarding fees assessed by a mutual fund is available in the appropriate prospectus. Page 11 of 31 ADV 2A – Firm Disclosure Brochure  Termination This Agreement may be terminated, at any time, by either party, by written notice to the other party and billing will be stopped as soon as reasonable efforts allow. In addition, the Client may terminate within five (5) business days of signing this Agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. If fees are billed in advance, any un-earned, prepaid fees will be promptly refunded by the Advisor. Item 6 – Performance-Based Fees and Side-By-Side Management TrueWealth Financial Partners, LLC does not accept performance-based fees, fees based on a share of capital gains on or capital appreciation of the assets of a Client (such as a Client that is a hedge fund or other pooled investment vehicle). TrueWealth Financial Partners, LLC also does not participate in side-by-side management, where an advisor manages accounts that are both charged a performance-based fee and accounts that are charged another type of fee, such as an hourly or flat fee or an asset-based fee. Item 7 – Types of Clients The advisory services offered by TrueWealth Financial Partners, LLC are available for individuals and high net worth clients. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss TrueWealth Financial Partners, LLC emphasizes continuous and regular account supervision. As part of our asset management service, we generally create a portfolio, consisting of individual stocks or bonds, exchange traded funds (“ETFs”), options, mutual funds and other public and private securities or investments. The Client’s individual investment strategy is tailored to their specific needs and may include some or all of the previously mentioned securities. Each portfolio will be initially designed to meet a particular investment goal, which we determine to be suitable for the Client’s circumstances. Once the appropriate portfolio has been determined, it is subject to review and if necessary, rebalanced based upon the Client’s individual needs, stated goals and objectives. Each Client can place reasonable restrictions on the types of investments to be held in the portfolio. TrueWealth Financial Partners, LLC uses multiple forms of research to analyze financial data and market conditions such as the general financial health of a company, and/or the analysis of management or competitive advantages, past market data (primarily price and volume), business cycles as well as patterns and trends. The firm also conducts the following types of analysis to make investment decisions. Page 12 of 31 ADV 2A – Firm Disclosure Brochure  • Behavioral Analysis - Behavioral analysis involves an examination of conventional economics as well as behavioral and cognitive psychological factors. Behavioral analysis seeks to combine a qualitative and quantitative approach to provide explanations for why individuals may, at times, make irrational financial decisions. Where conventional financial theories have failed to explain certain patterns, the behavioral finance methodology investigates the underlying reasons and biases that cause some people to behave against their best interests. The risks relating to behavior analysis are that it relies on spotting trends in human behavior that may not predict future trends. • Charting Analysis - Charting analysis utilizes various market indicators as investment selection criteria. These criteria are generally pricing trends that may indicate movement in the markets. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the firm in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the technical and charting analysis may lose value and may have negative investment performance. The firm monitors these market indicators to determine if adjustments to strategic allocations are appropriate. • Cyclical Analysis - Cyclical analysis is like technical analysis in that it involves the analysis of market conditions at a macro (entire market/economy) or micro (company specific) level, rather than the overall fundamental analysis of the health of the company. The risks with cyclical analysis are like those of technical analysis. • Fundamental Analysis - Fundamental analysis utilizes economic and business indicators as investment selection criteria. These criteria consist generally of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the firm in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The firm monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. • Technical Analysis - Technical analysis is a trading discipline employed to evaluate investments and identify trading opportunities by analyzing statistical trends gathered from trading activity, such as price movement and volume. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that the firm will be able to accurately predict such a reoccurrence. Page 13 of 31 ADV 2A – Firm Disclosure Brochure  Risk of Loss Investing in securities involves certain investment risks. Securities can fluctuate in value or lose value up to the entire principal amount invested. Clients should be prepared to bear the potential risk of loss. TrueWealth Financial Partners, LLC will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. Investment Advisor Representatives monitor economic indicators to determine if adjustments to strategic allocations are appropriate. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. The firms’ methods of analysis and investment strategies do not represent any significant or unusual risks however all strategies have inherent risks and performance limitations. However, Clients should be aware of the following types of risks that apply to investing and are encouraged to discuss the specific risks applicable to their account holdings: • Business Risk – the measure of risk associated with a particular security. It is also known as unsystematic risk and refers to the risk associated with a specific issuer of a security. Generally speaking, all businesses in the same industry have similar types of business risk. More specifically, business risk refers to the possibility that the issuer of a particular company stock or a bond may go bankrupt or be unable to pay the interest or principal in the case of bonds. • Call Risk – the risk specific to bond issues and refers to the possibility that a debt security will be called prior to maturity. Call risk usually goes hand in hand with reinvestment risk because the bondholder must find an investment that provides the same level of income for equal risk. Call risk is most prevalent when interest rates are falling, as companies trying to save money will usually redeem bond issues with higher coupons and replace them on the bond market with issues with lower interest rates. Page 14 of 31 ADV 2A – Firm Disclosure Brochure  • Credit Risk – the risk that an investor could lose money if the issuer or guarantor of a fixed income security is unable or unwilling to meet its financial obligations. • Currency/Exchange Rate Risk – the risk of a change in the price of one currency against another. • ETF Risks (Net Asset Valuations and Tracking Error) - ETF performance may not exactly match the performance of the index or market benchmark that the ETF is designed to track because: 1. the ETF will incur expenses and transaction costs not incurred by any applicable index or market benchmark; 2. certain securities comprising the index or market benchmark tracked by the ETF may, from time to time, temporarily be unavailable; and, 3. supply and demand in the market for either the ETF and/or for the securities held by the ETF may cause the ETF shares to trade at a premium or discount to the actual net asset value of the securities owned by the ETF. Certain ETF strategies may from time to time include the purchase of fixed income, commodities, foreign securities, American Depositary Receipts, or other securities for which expenses and commission rates could be higher than normally charged for exchange-traded equity securities, and for which market quotations or valuation may be limited or inaccurate. • Inflationary Risk – the risk that future inflation will cause the purchasing power of cash flow from an investment to decline. • Interest Rate Risk – the risk that fixed income securities will decline in value because of an increase in interest rates; a bond or a fixed income fund with a longer duration will be more sensitive to changes in interest rates than a bond or bond fund with a shorter duration. • Legislative Risk – the risk of a legislative ruling resulting in adverse consequences. • Liquidity Risk – the possibility that an investor may not be able to buy or sell an investment as and when desired or in sufficient quantities because opportunities are limited. • Margin Risk – the risk of losing more money than initially invested due to the amplified effect of losses when investing with borrowed money. • Market Risk – the risk that the value of securities may go up or down, sometimes rapidly or unpredictably, due to factors affecting securities markets generally or particular industries. Page 15 of 31 ADV 2A – Firm Disclosure Brochure  • Pandemic Risk – Large-scale outbreaks of infectious disease that can greatly increase morbidity and mortality over a wide geographic area, crossing international boundaries, and causing significant economic, social, and political disruption. • Reinvestment Risk – the risk that falling interest rates will lead to a decline in cash flow from an investment when its principal and interest payments are reinvested at lower rates. • Social/Political – the possibility of nationalization, unfavorable government action or social changes resulting in a loss of value. • Taxability Risk – the risk that a security that was issued with tax-exempt status could potentially lose that status prior to maturity. Since municipal bonds carry a lower interest rate than fully taxable bonds, the bond holders would end up with a lower after-tax yield than originally planned. • Transparency Risk – the risk of not having ready access to required financial information about a company, such as price levels, market depth, and audited financial reports. All investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy will be profitable or equal any specific performance level(s). Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Types of Investments TrueWealth Financial Partners, LLC generally manages Client portfolios that consist of mutual funds, Exchange Traded Equities (ETFs) and limited individual securities. • Exchange Traded Funds (ETFs) – An ETF is a portfolio of securities invested to track a market index similar to an index mutual fund, but the shares are traded on an exchange like an equity. An ETF share price fluctuates intraday depending on market conditions instead of having a net asset value (NAV) that is calculated once at the end of the day. The shares may trade at a premium or discount; and as a result, investors pay more or less when purchasing shares and receive more or less than when selling shares. The supply of ETF shares is regulated through a mechanism known as creation and redemption that involves large, specialized investors, known as authorized participants (APs). Authorized participants are large financial institutions with a high degree of buying power, such as market makers, banks or investment companies that provide market liquidity. When there is a shortage of shares in the market, the authorized participant creates more (creation). Conversely, the authorized participant will reduce shares in circulation (redemption) when supply falls short of demand. Multiple authorized participants help improve the liquidity of a particular ETF and stabilize the share price. To the extent that authorized participants cannot or are otherwise unwilling to engage in creation and redemption transactions, shares Page 16 of 31 ADV 2A – Firm Disclosure Brochure  of an ETF tend to trade at a significant discount or premium and may face trading halts and delisting from the exchange. The performance of ETFs is subject to market risk, including the complete loss of principal. ETFs also have a trading risk based on cost inefficiency if the ETFs are actively traded and a liquidity risk if the ETFs has a large price spread and low trading volume. In addition, investors buying or selling shares in the secondary market pay brokerage commissions, which may be a significant proportional cost not incurred by mutual funds. • Mutual Funds – a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. o Open-End Mutual Funds – a type of mutual fund that does not have restrictions on the amount of shares the fund will issue and will buy back shares when investors wish to sell. Investing in mutual funds carries the risk of capital loss and thus Clients may lose money investing in mutual funds. All mutual funds have costs that lower investment returns. The funds can be of bond “fixed income” nature (lower risk) or stock “equity” nature. o Closed-End Mutual Funds – a type of mutual fund that raises a fixed amount of capital through an initial public offering (IPO). The fund is then structured, listed, and traded like a stock on a stock exchange. Clients should be aware that closed-end funds available within the program are not readily marketable. In an effort to provide invest or liquidity, the funds may offer to repurchase a certain percentage of shares at net asset value on a periodic basis. Thus, Clients may be unable to liquidate all or a portion of their shares in these types of funds. o Alternative Strategy Mutual Funds – Certain mutual funds available in the program invest primarily in alternative investments and/or strategies. Investing in alternative investments and/or strategies may not be suitable for all investors and involves special risks, such as risks associated with commodities, real estate, leverage, selling securities short, the use of derivatives, potential adverse market forces, regulatory changes, and potential illiquidity. There are special risks associated with mutual funds that invest principally in real estate securities, such as sensitivity to changes in real estate values and interest rates and price volatility because of the fund’s concentration in the real estate industry. • Equity – An investment that generally refers to buying shares of stocks in return for receiving a future payment of dividends and/or capital gains if the value of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry conditions and the general economic environment. • Municipal Bonds - debt securities issued by states, cities, counties and other governmental entities to fund day-to-day obligations and to finance capital projects such as building schools, highways or sewer systems. Page 17 of 31 ADV 2A – Firm Disclosure Brochure  Additional types of investments will be considered per Client for asset allocation and risk management purposes. Item 9 – Disciplinary Information There are no legal, regulatory, or disciplinary events involving TrueWealth Financial Partners, LLC or any of its Supervised Persons. Item 10 – Other Financial Industry Activities and Affiliations Neither TrueWealth Financial Partners, LLC nor any of the management persons are registered or has a registration pending to register as a futures commission merchant, commodity pool operator, a commodity trading advisor, or an associated person of the foregoing entities. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics TrueWealth Financial Partners, LLC has implemented a Code of Ethics (the “Code”) that defines our fiduciary commitment to each Client. This Code applies to all persons associated with the firm (our “Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding our duties to you, our Client. The firm and its Supervised Persons owe a duty of loyalty, fairness, and good faith towards each Client. It is the obligation of the firm’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of our Code, please contact us at (425) 615-7360 or by email at Patrick.severson@truewealthfp.com. Personal Trading with Material Interest TrueWealth Financial Partners, LLC does not act as principal in any transactions. In addition, the firm does not act as the general partner of a fund or advise an investment company. TrueWealth Financial Partners, LLC does not have a material interest in any securities traded in Client accounts. Personal Trading in Same Securities as Clients TrueWealth Financial Partners, LLC allows our Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities, we recommend (purchase or sell) to you presents a conflict of interest that, as fiduciaries, we must disclose to you and mitigate through policies and procedures. As noted above, we have adopted a Code of Ethics to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. Page 18 of 31 ADV 2A – Firm Disclosure Brochure  Personal Trading at Same Time as Client Supervised Persons may not purchase or sell any security immediately prior to or immediately after a transaction being implemented for an advisory account, thereby preventing an employee from benefiting from transactions placed on behalf of advisory accounts. Item 12 – Brokerage Practices TrueWealth Financial Partners, LLC will recommend that Clients establish a brokerage account with LPL Financial to maintain custody of assets and to effect trades. LPL Financial provides brokerage and custodial services to independent investment advisory firms, including TrueWealth Financial Partners, LLC. LPL Financial is compensated by Clients through commissions, trails, or other transaction-based fees for trades that are executed through LPL Financial or that settle into LPL accounts. For IRA accounts, LPL Financial generally charges an account maintenance fee. In addition, LPL Financial also charges Clients miscellaneous fees, such as account transfer fees. LPL Financial charges TrueWealth Financial Partners, LLC an asset-based administration fee for administrative services. Such administration fees are not directly borne by Clients but are considered when TrueWealth Financial Partners, LLC negotiates its advisory fee with Clients. Clients should also be aware that for accounts where LPL Financial serves as the custodian, the firm is limited to offering services and investment that are approved by LPL Financial. 1. Soft Dollars - Soft dollars are revenue programs offered by broker/dealers whereby an advisor enters into an agreement to place security trades with the broker in exchange for research and other services. LPL Financial makes available various products and services designed to assist the firm in managing and administering Client accounts. These services include software and other technology that provide access to Client account data (such as trade confirmation and account statements); facilitation of trade execution (and research reports or other information about particular companies or industries; economic surveys, data and analyses; financial publications; portfolio evaluation services; financial database software and services; computerized news and pricing services; quotation equipment for use in running software used in investment decision-making. These support services are provided based on the overall relationship without a minimum production level or value of assets held with the custodian. Consequently, it is not the result of soft dollar arrangements or any other express arrangements that involve the execution of Client transactions as a condition to receive the services. 2. Brokerage Referrals - TrueWealth Financial Partners, LLC does not receive any compensation from any third party in connection with the recommendation for establishing a brokerage account. 3. Transaction Fees -The Custodian charges brokerage commissions and transaction fees for effecting certain securities transactions (i.e., transaction fees are charged for certain no-load mutual funds, commissions are charged for individual equity and debt securities transactions). The Custodian enables TrueWealth Financial Partners, LLC to obtain many no-load mutual funds without transaction charges Page 19 of 31 ADV 2A – Firm Disclosure Brochure  and other no-load funds at nominal transaction charges. The Custodian’s commission rates are generally discounted from customary retail commission rates. However, the commission and transaction fees charged by the Custodians may be higher or lower than those charged by other custodians and broker/dealers. 4. Best Execution - In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a broker/dealer’s services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although we will seek competitive rates, to the benefit of all Clients, we may not necessarily obtain the lowest possible commission rates for specific Client account transactions. 5. Aggregating and Allocating Trades - The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as price, size of order and difficulty of execution. TrueWealth Financial Partners, LLC does not aggregate purchases and sales for various Client accounts, but orders can be aggregated by the custodian. Item 13 – Review of Accounts For those Clients to whom TrueWealth Financial Partners, LLC provides investment advisory services, account reviews are conducted on an ongoing basis by the Investment Advisor Representative. All Clients (in person or via telephone) are encouraged to review financial planning issues (to the extent applicable), investment objectives and account performance with their Investment Advisor Representative. In addition, each Client relationship shall be reviewed at least annually. Reviews may be conducted more or less frequently at the Client’s request. Accounts may also be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account. The Client is encouraged to notify TrueWealth Financial Partners, LLC if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. Clients will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client can also establish electronic access to the Custodian’s website so they can view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. Item 14 – Client Referrals and Other Compensation TrueWealth Financial Partners, LLC is a fee-based advisory firm, that is compensated by its Clients to provide investment advice and not from any investment product or someone other than the Client. TrueWealth Page 20 of 31 ADV 2A – Firm Disclosure Brochure  Financial Partners, LLC does not receive commissions or other economic benefit or compensation from product sponsors, broker/dealers or any un-related third party. Item 15 – Custody TrueWealth Financial Partners, LLC does not accept or maintain actual custody of funds or securities. except for the authorized deduction of the Advisor’s fees. Depending on the custodian used for a particular client, advisory fees will be deducted in advance by the account agreement with the Advisor. • The custodian sends statements at least quarterly to clients showing all disbursements in account including the amount of the advisory fees paid to advisor, the value of client assets upon which advisor’s fee was based, and the specific manner in which advisor’s fee was calculated. • Clients provide authorization permitting advisory fees to be deducted in advance from client advisory • account or receive an invoice for fees deducted in arrears. • Payment of fees may result in the liquidation of a client’s positions if there are insufficient funds in the • account. • Fees are assessed on all assets in the account(s), including securities, cash or money market balances. • Margin debits do not reduce the value of the assets in the account for billing purposes. • Accounts where LPL is the custodian, clients must provide authorization to LPL, per their Account Application with LPL, for any increase in fees as a safeguard. • Clients should review the fee calculated and deducted by the custodian to ensure that the fees were calculated correctly. Item 16 – Investment Discretion Clients can determine to engage TrueWealth Financial Partners, LLC to provide investment advisory services on a discretionary basis. Prior to TrueWealth Financial Partners, LLC assuming discretionary authority over a Client’s account, the Client shall be required to execute an Investment Advisory Agreement, naming TrueWealth Financial Partners, LLC as the Client’s attorney and agent in fact, granting TrueWealth Financial Partners, LLC full authority to buy, sell, or otherwise effect investment transactions involving the assets in the Client’s name found in the discretionary account. Item 17 – Voting Client Securities TrueWealth Financial Partners, LLC does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. TrueWealth Financial Partners, LLC will assist in Page 21 of 31 ADV 2A – Firm Disclosure Brochure  answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither the firm, nor its management, have any adverse financial situations to disclose and have not been subject to a bankruptcy or financial compromise. • The firm does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Page 22 of 31 ADV 2A – Firm Disclosure Brochure  Item 1 – Cover Page Registered As: TrueWealth Financial Partners, LLC | CRD No. 316079 Appendix 1 – Wrap Fee Program Brochure 915 118th Ave SE, Suite 140 Bellevue, WA 98005 Phone: (425) 615-7360 | Website: www.truewealthfp.com August 22, 2025 This Form ADV2A - Appendix 1 (Wrap Fee Brochure”) provides information about the qualifications and business practices for TrueWealth Financial Partners, LLC (“the firm") services 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 (425) 615-7360 or by email at patrick.severson@truewealthfp.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. 316079. Registration does not imply a certain level of skill or training. Page 23 of 31 ADV 2A – Firm Disclosure Brochure  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 24 of 31 ADV 2A – Firm Disclosure Brochure  Item 3 – Table of Contents Item 1 – Cover Page ……………………………………………………………………………..…..……….. 23 Item 2 – Material Changes ……………………………………………………………….……………….…. 24 Item 3 – Table of Contents ……………………………………………..……………….............................… 25 Item 4 – Services, Fees and Compensation ……………………….………….………………….....……….. 26 Item 5 – Account Requirments and Types of Clients …………….……………………………………...… 26 Item 6 – Portfolio Manager Selection and Evaluation ……………………………………..……..……….. 27 Item 7 – Client Information Provided by Portfolio Managers ………….…………………………..…….. 27 Item 8 – Client Contact with Portfolio Managers …………………………..……………….....………..… 27 Item 9 – Additional Information …………………………………………………………..…...................… 27 Page 25 of 31 ADV 2A – Firm Disclosure Brochure  Item 4 – Services, Fees and Compensation TrueWealth Financial Partners, LLC provides investment advisory services where the asset management fee and ticket charges are "wrapped" into a single 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. • TrueWealth Financial Partners, 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 the regular trading activity. • Investment advisory fees will be calculated and deducted from the Client’s account by direct agreement between the Client and LPL Financial. Client will receive independent statements from the Custodian. The amount due is calculated based on the following formula: (Quarter End Value x Advisory Fee) / 360) x 90 = Advance Billing. Participation in this wrap fee program may cost more or less than purchasing such services separately. For example, a Client account with a high volume of trading is likely to benefit from the fee structure of a wrap fee program whereas a Client with a low volume of trading is likely to benefit more from a fee structure that charges a transaction fee per trade with a lower asset management fee or a brokerage account that does not charge an asset management fee for active management. Other Fees and Expenses Mutual funds and exchange-traded funds have separate operating costs that are described in each fund's 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. TrueWealth Financial Partners, 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 TrueWealth Financial Partners, 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 TrueWealth Financial Partners, LLC. Item 5 – Account Requirements and Types of Clients Please see Item 7 – Types of Clients in the Form ADV 2A Disclosure Brochure. Page 26 of 31 ADV 2A – Firm Disclosure Brochure  Item 6 - Portfolio Manager Selection and Evaluation TrueWealth Financial Partners, 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 reuirements. The performance of the wrap fee program is calculated by LPL Financial and reviewed based on account statements and performance reports prepared by LPL Financial. TrueWealth Financial Partners, LLC does not accept proxy-voting responsibility. Clients will receive proxy statements directly from the Custodian. TrueWealth Financial Partners, 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 TrueWealth Financial Partners, 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 TrueWealth Financial Partners, LLC is a full-service investment management advisory firm. Clients always have direct access to the Portfolio Managers at the firm. 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. 316079. 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 (included with this Wrap Fee Program Brochure) for additional information on how to research the background information. TrueWealth Financial Partners, 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). Page 27 of 31 ADV 2A – Firm Disclosure 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 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 (also included with this Wrap Fee Brochure) provides details on any outside business activities and the associated compensation. • TrueWealth Financial Partners, 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 28 of 31 ADV 2A – Firm Disclosure Brochure  Privacy Policy Our Commitment to You TrueWealth Financial Partners, LLC is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. TrueWealth Financial Partners, LLC (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. The firm does not sell your non- public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information while servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Employment Information and or Government ID Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number(s) Income and expenses E-mail address(es) Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Account applications and forms Other advisory agreements and legal documents Investment questionnaires and suitability documents Transactional information with us or others Other information needed to service your account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and Page 29 of 31 ADV 2A – Firm Disclosure Brochure  electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. How do we share your information? TrueWealth Financial Partners, LLC shares Client personal information to effectlively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No Servicing our Clients. We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, consultants or other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. No Not Shared Marketing Purposes. TrueWealth Financial Partners, LLC does not disclose, and does not intend to disclose, personal information with non- affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where TrueWealth Financial Partners, LLC or the Client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Yes Yes Authorized Users. Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent(s) or representative(s). No Not Shared Information About Former Clients. TrueWealth Financial Partners, LLC does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Other Important Information Information for California, North Dakota, and Vermont Customers. In response to applicable state law, if the mailing address provided for your account is in California, North Dakota, or Vermont, we will automatically treat your account as if you do not want Page 30 of 31 ADV 2A – Firm Disclosure Brochure  us to disclose your personal information to non-affiliated third parties for purposes of them marketing to you, except as permitted by the applicable state law. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at Mr. Severson can be reached at (425) 748-7046 or by email at patrick.severson@truewealthfp.com. Page 31 of 31 ADV 2A – Firm Disclosure Brochure