Wealthrise Financial Planning, LLC

Part 2A: Disclosure Brochure ITEM 1: COVER SHEET Wealthrise Financial Planning, LLC 5938 Priestly Dr., Suite 103 Carlsbad, CA 92008 (760) 508-0368 shelley@wealthrisefp.com www.wealthrisefp.com Prepared: February 6, 2026 This brochure provides information about the qualifications and business practices of Wealthrise Financial Planning, LLC. If you have any questions about the contents of this brochure, please contact us at the telephone number and/or e-mail address above. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or any state securities authority. Our e-mail for regulatory compliance is admin@wealthrisefp.com. Wealthrise Financial Planning, LLC is a registered investment advisor. Registration of an investment advisor does not imply any level of skill or training. The verbal and written communications of an investment advisor provide you with information you need to determine whether to hire or retain the advisor. Additional information about Wealthrise Financial Planning, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. The Firm’s CRD number is 283764.  Part 2A: Disclosure Brochure Wealthrise Financial Planning, LLC ITEM 2: MATERIAL CHANGES Our previous annual update was dated January 10, 2025. Following is a summary of the material changes made to Part 2 since that amendment. Item 4: As of December 31, 2025, we manage assets of $136.0 million on a discretionary basis and $0 on a non-discretionary basis. Item 5: The client may end our advisory relationship by providing 5 days written notice. We will prorate the advisory fees earned through the termination date and send the client an invoice for the advisory fees due. Item 19: Removed as a result of the Firm’s registration with the SEC. Please contact us at (760) 508-0368 or shelley@wealthrisefp.com if you would like a copy of our updated Part 2. Additional information about us is also available on the SEC’s website at www.adviserinfo.sec.gov.  ITEM 3: TABLE OF CONTENTS Item 1: Cover Sheet Item 2: Material Changes Item 3: Table of Contents Item 4: Advisory Business ..........................................................................................................1 Who we are .............................................................................................................................1 Services we offer .....................................................................................................................1 Assets under management ......................................................................................................2 Item 5: Fees and Compensation ................................................................................................2 Investment Management Services ...........................................................................................2 Financial Planning ...................................................................................................................3 Item 6: Performance-Based Fees and Side-By-Side Management .............................................3 Item 7: Types of Clients .............................................................................................................3 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ........................................3 Investment Strategy .................................................................................................................3 Investing Principles ..................................................................................................................4 Investment Risks .....................................................................................................................6 Item 9: Disciplinary Information ..................................................................................................7 Item 10: Other Financial Industry Activities and Affiliations.........................................................7 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ..7 Code of Ethics .........................................................................................................................7 Personal Trading for Associated Persons ................................................................................7 Item 12: Brokerage Practices .....................................................................................................8 The Custodian and Brokers We Use........................................................................................8 How We Select Brokers/Custodians ........................................................................................8 Your Brokerage and Custody Costs.........................................................................................9 Products and Services Available to Us From Schwab..............................................................9 Aggregation of Orders ...........................................................................................................10 Soft Dollars ............................................................................................................................11 Item 13: Review of Accounts ....................................................................................................11 Investment Management .......................................................................................................11 Financial Planning .................................................................................................................11 Item 14: Client Referrals and Other Compensation ..................................................................12 Item 15: Custody ......................................................................................................................12 Item 16: Investment Discretion .................................................................................................12 Item 17: Voting Client Securities ..............................................................................................13 Item 18: Financial Information ..................................................................................................13  ITEM 4: ADVISORY BUSINESS Who we are Wealthrise Financial Planning, LLC (referred to as “we,” “our,” “us,” or “Wealthrise”), has been registered as an investment advisor since June 2016. Our principal officer and sole owner is Shelley M. Murasko, Managing Member. Services we offer Wealthrise is a full service, fee only registered investment advisor specializing in low cost, tax efficient, evidence-based and index portfolio management. Investment management is best done within the context of a financial plan, identifying a client’s risk tolerance, time horizon, money psychology, tax considerations, and personal preferences. We dig deep to understand our clients which allows us then to identify the optimal asset allocation, the primary driver of investment return. Therefore, services offered include:  Financial planning: o Client goals are identified, including timing of desired cash flows o Cash flow and net worth analysis o Retirement projections, including statistical simulation and asset projections o Other areas covered: college planning, life insurance assessments, estate planning, and tax planning (not including tax advice)  Portfolio X-rays - including examination of current holdings where factors are reviewed such as current asset allocation, fund expense ratios, historical risk/return  Portfolio design— primarily using low cost Dimensional Fund Advisors strategies as well as Vanguard funds and ETFs, including but not limited to U.S. stock funds, international stock funds, real estate investment trust funds, bond funds, individual bonds, individual stocks, and CDs (certificates of deposit). Wealthrise determines the ratio of equities to fixed income and often incorporates IRA, 401K and other tax deferred accounts into the overall asset allocation.  Rebalancing. Once a target allocation is in place, rebalancing opportunities are addressed over time as the client's portfolio drifts from the intended asset targets.  Investment Placement. Investment location to minimize tax exposure including incorporating equities into taxable accounts where applicable and tax sensitive investments into deferred retirement accounts if applicable.  Transactional support  Administrative assistance  Periodic reviews Page 1  The financial engine of any household should be a purpose driven savings plan powered by a sensible investing discipline that enables hard earned dollars to grow without taking unnecessary risk. In order to develop the most optimal investing strategy that a client will adhere to over time, we work closely with our clients to understand their goals, timing, money personality, tolerance to risk now and during past downturns. Tools that are used to develop the client's personal situation include:  Client interviews  A comprehensive financial plan  A risk tolerance questionnaire  On-going monitoring Clients may impose restrictions on the investments made in their account. Financial planning reviews may include the following topics, as agreed to with each client. Insurance planning  Cash flow analysis  Budget planning (if requested)  Social security planning  Tax planning that must be reviewed with  Retirement planning  College planning   Estate planning client's tax professional Several of these areas like insurance and estate planning are reviewed through our process but require appropriate professionals to implement the recommendations. For example, a proper estate plan, including a will and a trust, should be addressed by an estate attorney. Tax considerations will be incorporated as part of the investing strategy, but tax advice should always be reviewed with a tax professional. We do not provide portfolio management services to a wrap fee program. Assets under management As of December 31, 2025, we manage assets of $136.0 million on a discretionary basis and $0 on a non-discretionary basis. ITEM 5: FEES AND COMPENSATION Neither Wealthrise nor our affiliated persons receive compensation, other than the fees mentioned below, for the sale of securities or other investment products. Investment Management Services Fees for investment management services, which include financial planning services, are calculated as a percentage of assets under management. These fees are billed quarterly in arrears, based on the assets under management as of the last day of the preceding calendar quarter. Page 2  Our standard fee schedule is: Assets under Management Annual Fee $0 - $249,999 $250,000 - $499,999 $500,000 - $749,999 $750,000 - $999,999 $1.000,000 - $1,499,999 $1,500,000 - $1,999,000 $2,000,000 and above 1.0% 0.8% 0.7% 0.6% 0.5% 0.4% 0.3% Minimum Annual Fee: $2,000 Fees are negotiable at Wealthrise’s sole discretion in limited circumstances such as family relationship or sizable assets under management. We require that the client provide authorization for Wealthrise to deduct our fees directly from their investment account. Following is important information about the deduction of management fees:  The client must provide authorization for Wealthrise to deduct fees by initialing the appropriate section of our contract.  The client will receive a detailed invoice each quarter which outlines Wealthrise’s fees and how fees are calculated at the same time payment is requested from the custodian.  The client will receive a statement from the custodian which shows all transactions in the client’s account, including the deduction of our fee.  The client is responsible for reviewing the accuracy of the fees being billed, as the custodian will not do so. The client may end our advisory relationship by providing 5 days written notice. We will prorate the advisory fees earned through the termination date and send the client an invoice for the advisory fees due. Other Costs Involved In addition to the advisory fee shown above, the client is responsible for paying fees associated with investing their account. These fees include:  management fees for ETFs and mutual funds. These are fees charged by the managers of the ETF or mutual fund and are a portion of the expenses of the ETF or mutual fund.  brokerage costs and transaction fees for any securities or fixed income trades. These are generally charged by your custodian and/or executing broker. Additional information about brokerage costs and services is provided in “Item 12: Brokerage Practices.” Page 2  Wealthrise believes the fees mentioned above are competitive; however the client may be able to obtain similar services from other sources at a lower price. Financial Planning Non-investment management clients may retain Wealthrise to provide financial planning services. In those cases, financial planning services are provided for an hourly fee of $200. You will receive an invoice upon completion of the financial plan that is payable upon receipt. You may cancel our financial planning agreement at any time by providing written notice. Upon cancellation, we will present you with an invoice for time spent. This invoice is payable upon receipt. We have a conflict of interest when providing financial planning advice. When you implement the financial plan through us, we receive the customary fees as disclosed above. You are not required to implement any of the recommendations provided in the financial plan. If you elect to implement some or all of the recommendations provided, you are under no obligation to engage Wealthrise to assist in the implementation. ITEM 6: PERFORMANCE-BASED FEES AND SIDE-BY-SIDE MANAGEMENT We do not receive performance fees for managing accounts. ITEM 7: TYPES OF CLIENTS Typical clients include individuals with an awareness of the benefits of a passive approach to investing and are committed to this type of evidence-based investing for the long term. More specifically, we focus our practice on women, understanding that women have specific needs in the areas of financial empowerment, long term care considerations, and longevity planning. Generally we require an investment commitment of at least $200,000. However, we may waive that minimum at our sole discretion. ITEM 8: METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS Investment Strategy Wealthrise primarily follows a long term, buy and hold investment strategy, applying low cost, low turnover, broadly diversified investment portfolios that are structured around passively managed funds and index funds. How Markets Work - The Basis of Wealthrise's strategy Over the long term, financial markets have historically rewarded investors. According to the Modern Portfolio Theory, freely functioning markets accurately set stock prices so investors Page 3  receive reasonable rewards for taking long-term risks. These rewards do not come from choosing the right stocks or selecting the best time to enter and exit the market. Rather, investors are rewarded for taking risks that lead to return and for careful consideration of the amount of risk they are willing to take. Specifically, it’s the structure, or asset mix, that on average explains no less than 96% of the variation of equity returns among fully diversified investment portfolios. In other words, the amount of return, typically due from stock selection and market timing is insignificant. Conventional Strategy Conventional active investment managers, the type most advisors recommend, strive to beat the market by trying to predict the future. They may bet on certain sectors, asset classes, individual companies, countries or industries, or decide to opt out of the market, or a segment of the market, temporarily. As new information arises, buyers and sellers make judgments about how the news will affect a company's future earnings and risk. Market forces move stock prices toward an equilibrium that balances the collective opinions of all market participants. When research predictions go wrong, active investors miss important returns by holding the wrong stocks at the wrong time, or by being out of the market entirely when prices surge forward. Decades of independent research demonstrate that trying to outperform the market with conventional approaches is inefficient and a waste of time and resources. Our Strategy A sound investing strategy is one that is executed with discipline, focusing on financial planning and asset allocation, to ensure the right structure or asset allocation is established for the client. In addition, we accept the decades of research that reflect that markets are efficient and focus on applying passively managed, low cost funds that include thousands of stocks and bonds. When determining asset allocation, we start with a strong equity allocation as the primary driver of investment return, and incorporate the needed bond allocation to minimize volatility, thus reducing the range of possible outcomes. Our portfolios, which incorporate primarily Dimensional Fund Advisors and Vanguard diversified funds, are based on financial science, applying decades of Nobel-prize winning research to ensure an investor is efficiently blending the right asset pieces in the right proportion. Then, rebalancing is applied over time in a disciplined manner to ensure continued alignment to the client specific allocation. Investing Principles Embrace market pricing. The market is an effective, information-processing machine. Millions of participants buy and sell securities in the markets every day, and the real time information they bring helps set prices. Don’t try to outguess the market. The market’s pricing power works against mutual fund managers who try to outsmart other participants. As evidence, only 19% of U.S. equity mutual funds have survived and outperformed their benchmarks over the past 15 years. Not only is it impossible to identify the top 19% in a time period, the results are what we would expect in a zero sum game of trading where one side wins, one side loses. Results are as much luck as skill. Page 4  Resist chasing past performance. Some investors select funds based on past returns. However, funds that have outperformed in the past, do not always persist as winners. Past performance alone offers little insight into a fund’s ability to outperform. Let the markets work for you. Financial markets have rewarded long term investors. People expect a positive return on the money they invest, historically both bond and stock markets have provided growth on wealth that has more than offset inflation. Consider and incorporate the drivers of return. Academic research has identified dimensions which point to a difference in returns. These dimensions are persistent, pervasive, and robust and can be pursued in cost effective portfolios. From an equity standpoint, dimensions incorporated include size, price, and profitability. From a bond standpoint, dimensions include term and quality. Practice smart diversification. Diversification helps reduce risks that have no expected return, but diversifying within your home market is not enough. Global diversification can broaden your investment universe. Different asset classes can compliment each other during times of volatility and should be incorporated to improve the return relative to risk and an investor’s time horizon. Avoid market timing. A sensible investor will stay the course as the markets work their magic, which will include periods of negative return. Investing always involves risk; and only through taking risk, will an investor be rewarded. Risk and reward are a two way street. Risk shows up to an investor as volatility, which can cause pain and great concern, but with faith in the markets and courage presents an opportunity to surpass other investors by staying the course and perhaps by investing more. Manage your emotions. Humans are not wired to invest with discipline. Rather, the human psychology is inevitably drawn to risky behaviors such as market timing, chasing past performance, or pursuing a “sexy” company. When what we hear each day are the financial talking heads pushing hyper-active investing, our human instinct is to respond, to do something. History has proven that staying the course leads to the highest results. Our job as advisors is to build the sensible investing approach, engage the clients belief system in the design, Look beyond the headlines. Daily market news and commentary can challenge your investment discipline. Some messages stir anxiety about the future while others tempt you to chase the latest investment fad. When tested, consider the source and maintain a long-term perspective. Focus on What You Can Control Portfolios are designed with consideration of the probability that an asset class will deliver return in the requisite time frame. Therefore, statistics and macroeconomic factors are considered when determining the asset allocation, and the allocations may be adjusted slightly over time. Wealthrise does not manage the asset decisions tactically, however, as it would minimize investor return. Wealthrise primarily recommends stock and passively managed bond mutual funds as the building blocks of client portfolios. We define passively managed as mutual funds that generally include all holdings that fit the fund's investment category and where the fund manager is not Page 5  picking a select number of individual positions or engaging in market timing. Passively managed funds include Dimensional Fund Advisors (DFA) which include broadly diversified funds with reduced trading costs and tilts toward factors that have been studied to drive return such as small cap value stocks with enhanced profitability over recent periods. DFA does not charge 12b-1 fees, and overall management fees are low due to lower advertising, marketing, and research costs. There will be periods of time where the premiums for small cap, value and profitability oriented companies will not be expressed in results, and thus we can not guarantee enhanced results over all time periods. Although we prefer DFA funds as the building blocks of the portfolio, at times, other investments will be incorporated such as Vanguard or other low cost funds or investments. There will be occasions where investors hold concentrated stock positions or other holdings with taxable gains that will be adjusted over time. These positions are monitored and adjusted into an overall diversified portfolio with the client's interests in mind. Portfolios might also include individual short and intermediate fixed income products diversified across different issuers and economies. These may include CDs, government bonds, corporate bonds, ,municipal bonds, and inflation protected securities. For clients with a strong preference for fixed income, portfolios may include a combination of bond funds and individual bond issues. Alternative investment funds may also be incorporated but are generally limited to liquid domestic and international REIT funds. Investment Risks Wealthrise seeks to limit risk by encouraging clients to invest in broadly diversified domestic and international equity mutual funds, high quality fixed income securities and diversified bond funds. In addition to global diversification, we advise clients to invest in funds that represent a variety of asset classes, such as large capitalization stocks, small capitalization stocks, stocks with a relative value orientation, emerging markets stocks, and funds that primarily invest in publicly traded REITs. All investing involves the risk of loss, including:  Certain investment strategies impose more or less risk than others due to the type and/or concentration of securities in the portfolio.  Fixed income investments carry credit and interest rate risk.  Foreign equity strategies and non-dollar denominated fixed income securities may carry currency risk.  While evidence suggests that value stocks will outperform growth stocks and small caps will outperform large caps over the long term, both value stocks and small-cap stocks can underperform over extended periods of time. Wealthrise uses many sources of information to analyze potential investments including Morningstar data reflecting fund information, rating services, fundamental data such as P/E ratio or P/B ratio, financial research, academic papers, prospectuses, and other filed communications. We review research from consultants including Dimensional Fund Advisors, Vanguard, and leading academics in the field of finance. We use software to model possible outcomes of different portfolio structures. Research incorporated is conducted over multiple time periods and various regions of the world in order to confirm persistence and pervasiveness. Page 6  Certain risks apply to Wealthrise and to all financial advisors such as: past performance is not a guarantee of future results. In addition, expected returns are based on past performance, and on certain assumptions about the future that may not be correct. There is no guarantee that expected returns will be realized. All investment portfolios carry the risk of loss. ITEM 9: DISCIPLINARY INFORMATION Registered investment advisors are required to disclose any material facts regarding any legal or disciplinary actions that would be material to your evaluation of the investment advisor and each investment advisor representative providing investment advice to you. We have no information of this type to report. ITEM 10: OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS As a registered investment advisor, we are required to disclose when we, or any of our principals, have any other financial industry affiliations. Neither Wealthrise nor our affiliated persons have material outside business affiliations, arrangements or registrations, pending or otherwise, with other companies, regulatory organizations or persons. We do not recommend or select other investment advisors for you and receive compensation directly or indirectly from those advisors that creates a material conflict of interest, nor do we have other business relationships with those advisors that create a material conflict of interest. ITEM 11: CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING Code of Ethics We have adopted a set of enforceable guidelines (Code of Ethics), which describes unacceptable conduct by Wealthrise and our associated persons. Summarized, this Code of Ethics prohibits us from:  placing our interests before yours,  using non public information gathered when providing services to you for our own gains, or  engaging in any act, practice or course of business that is, or might be considered, fraudulent, deceptive, manipulative, or in violation of any applicable law, rule or regulation of a governmental agency. Please contact us if you would like to receive a full copy of this Code of Ethics. Personal Trading for Associated Persons We may buy or sell some of the same securities for you that we already hold in our personal account. We may also buy for our personal account some of the same securities that you Page 7  already hold in your account. It is our policy not to permit our associated persons (or their immediate relatives) to trade in a way that takes advantage of price movements caused by your transactions. We may restrict trading for a particular security for our accounts or those of our associated person if there is a pending trade in that security in a client account. Trades for our accounts (and those of our associated persons) will be placed after client trades have been completed. When our trades are placed after our client trades, we may receive a better or worse price than that received by the client. Wealthrise and its associated persons may purchase or sell specific securities for their own account based on personal investment considerations without regard to whether the purchase or sale of such security is appropriate for clients. All persons associated with us are required to report all personal securities transactions to us quarterly. ITEM 12: BROKERAGE PRACTICES The Custodian and Brokers We Use We do not maintain custody of your assets that we manage, although we may be deemed to have custody of your assets if you give us authority to withdraw assets from your account (see “Item 15: Custody”). Your assets must be maintained in an account at a “qualified custodian,” generally a broker/dealer or bank. We require that our clients use Charles Schwab & Co., Inc. (“Schwab”), a registered broker/dealer, member SIPC, as the qualified custodian. We are independently owned and operated and are not affiliated with Schwab. Schwab will hold your assets in a brokerage account and buy and sell securities when we instruct them to. While we require that you use Schwab as custodian/broker, you will decide whether to do so and will open your account with Schwab by entering into an account agreement directly with them. We do not open the account for you, although we may assist you in doing so. If you do not wish to place your assets with Schwab, then we cannot manage your account. Not all advisors require their clients to use a particular broker-dealer or other custodian selected by the advisor. Even though your account is maintained at Schwab, we can still use other brokers to execute trades for your account as described below (see “Your Brokerage and Custody Costs”). How We Select Brokers/Custodians We seek to use a custodian/broker who will hold your assets and execute transactions on terms that are, overall, most advantageous when compared to other available providers and their services. We consider a wide range of factors, including, among others:  Combination of transaction execution services and asset custody services (generally without a separate fee for custody)  Capability to execute, clear, and settle trades (buy and sell securities for your account) Page 8   Capability to facilitate transfers and payments to and from accounts (wire transfers, check requests, bill payment, etc.)  Breadth of available investment products (stocks, bonds, mutual funds, exchange-traded funds (ETFs), etc.)  Availability of investment research and tools that assist us in making investment decisions  Quality of services  Competitiveness of the price of those services (commission rates, margin interest rates, other fees, etc.) and willingness to negotiate the prices  Reputation, financial strength, and stability  Prior service to us and our other clients  Availability of other products and services that benefit us, as discussed below (see “Products and Services Available to Us From Schwab”) Your Brokerage and Custody Costs For our clients’ accounts that Schwab maintains, Schwab generally does not charge you separately for custody services but is compensated by charging you commissions or other fees on trades that it executes or that settle into your Schwab account. In addition to commissions, Schwab charges you a flat dollar amount as a “prime broker” or “trade away” fee for each trade that we have executed by a different broker-dealer but where the securities bought or the funds from the securities sold are deposited (settled) into your Schwab account. These fees are in addition to the commissions or other compensation you pay the executing broker-dealer. Because of this, in order to minimize your trading costs, we have Schwab execute most trades for your account. We have determined that having Schwab execute most trades is consistent with our duty to seek “best execution” of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above (see “How We Select Brokers/Custodians”). Products and Services Available to Us From Schwab Schwab Advisor Services™ is Schwab’s business serving independent investment advisory firms like us. They provide us and our clients with access to their institutional brokerage services (trading, custody, reporting, and related services), many of which are not typically available to Schwab retail customers. However, certain retail investors may be able to get institutional brokerage services from Schwab without going through us. Schwab also makes available various support services. Some of those services help us manage or administer our clients’ accounts, while others help us manage and grow our business. Schwab’s support services are generally available on an unsolicited basis (we don’t have to request them) and at no charge to us. Following is a more detailed description of Schwab’s support services: Services that benefit you. Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of client assets. The investment products available through Schwab include some to which we might not otherwise have access or that would require a significantly higher minimum initial investment by Page 9  our clients. Schwab’s services described in this paragraph generally benefit you and your account. Services that do not directly benefit you. Schwab also makes available to us other products and services that benefit us but do not directly benefit you or your account. These products and services assist us in managing and administering our clients’ accounts and operating our firm. They include investment research, both Schwab’s own and that of third parties. We may use this research to service all or a substantial number of our clients’ accounts, including accounts not maintained at Schwab. In addition to investment research, Schwab also makes available software and other technology that:  Provide access to client account data (such as duplicate trade confirmations and account statements)  Facilitate trade execution and allocate aggregated trade orders for multiple client accounts  Provide pricing and other market data  Facilitate payment of our fees from our clients’ accounts  Assist with back-office functions, recordkeeping, and client reporting Services that generally benefit only us. Schwab also offers other services intended to help us manage and further develop our business enterprise. These services include:  Educational conferences and events  Consulting on technology and business needs  Consulting on legal and related compliance needs  Publications and conferences on practice management and business succession  Access to employee benefits providers, human capital consultants, and insurance providers  marketing consulting and support Schwab provides some of these services itself. In other cases, it will arrange for third-party vendors to provide the services to us. Schwab also discounts or waives its fees for some of these services or pays all or a part of the third party's fees. Schwab also provides us with other benefits, such as occasional business entertainment of our personnel. If you did not maintain your account with Schwab we would be required to pay for these services from our own resources. Aggregation of Orders There are occasions on which portfolio transactions will be executed as part of concurrent authorizations to purchase or sell the same security for another client. We may choose to block (aggregate) trades for your account with those of other client accounts. When we place a block trade, all participants included in the block receive the same price per share on the trade. The price is calculated by averaging the price of all of the shares traded. Page 10  Due to the averaging of price over all of the participating accounts, aggregated trades could be either advantageous or disadvantageous. Commission costs are not averaged. You will pay the same commission whether your trade is placed as part of a block or on an individual basis. The objective of the aggregated orders will be to allocate the executions in a manner that is deemed equitable to the accounts involved. Soft Dollars The receipt of goods and/or services from a third party in connection with providing advice to clients is seen by regulators as “soft dollars.” The additional services we receive from Schwab, as disclosed in the section entitled “Products and Services Available to Us From Schwab” above, would fall under this description. ITEM 13: REVIEW OF ACCOUNTS Investment Management On a quarterly basis, the target asset allocation is compared to actual allocations and adjustments are made when the drift goes beyond certain percentage tolerances. In times of heightened market volatility more frequent reviews are performed. All reviews are performed by Shelley Murasko, Managing Member, and/or Kelly Doyle, Financial Planner. Our client reporting is available on a quarterly basis. These reports include asset allocation analysis, performance analysis and a statement of unrealized gains and losses. In addition to Wealthrise’s reports, clients receive monthly reports and tax lot accounting from the custodians of their assets, who also offer 24-hour online access to account information. Monthly or quarterly statements are also sent to clients directly from the correspondent brokers, banks, and/or insurance companies that hold client investments. We encourage clients to compare the account statements received from Wealthrise with those received directly from their custodian in a timely manner. Financial Planning For clients who also receive investment management services, the financial plan completed at the start of the relationship is used during annual reviews and mid year reviews upon request. Financial plan assumptions are updated at least once every 2 years or in the event of any major life changes. During annual reviews, goals and timing are reviewed as well as other assumptions for any material changes. Then, the output of the report such as net worth, cash flow analysis, and retirement projections are updated and reviewed. Recommendations are then made based on the updated status. Clients who pay for financial planning as a separate service are encouraged to engage Wealthrise to periodically review and update the plan. Page 11  All reviews are performed by Shelley Murasko, Managing Member or Kelly Doyle, Financial Planner. ITEM 14: CLIENT REFERRALS AND OTHER COMPENSATION We receive an economic benefit from Schwab in the form of the support products and services it makes available to us and other independent investment advisors whose clients maintain their accounts at Schwab. These products and services, how they benefit us, and the related conflicts of interest are described above (see “Item 12: Brokerage Practices”). The availability to us of Schwab’s products and services is not based on us giving particular investment advice, such as buying particular securities for our clients. We do not directly or indirectly compensate anyone for client referrals. ITEM 15: CUSTODY Under government regulations, we are deemed to have custody of your assets if, for example, you authorize us to instruct Schwab to deduct our advisory fees directly from your account, or if you grant us authority to move your money to another person’s account. Schwab maintains actual custody of your assets. You will receive account statements directly from Schwab at least quarterly. They will be sent to the email or postal mailing address you provided to Schwab. You should carefully review those statements promptly when you receive them. ITEM 16: INVESTMENT DISCRETION Discretionary authority means that you are giving us a limited power of attorney to place trades on your behalf. This limited power of attorney does not allow us to withdraw money from your account, other than advisory fees if you agree to give us that authority. You grant us discretionary authority by completing the following items:  Sign a contract with us that provides a limited power of attorney for us to place trades on your behalf. Any limitations to the trading authorization will be added to this agreement.  Provide us with discretionary authority on the new account forms that are submitted to the broker/dealer acting as custodian for your account(s). Upon request, clients may request to be notified before trading occurs, though this might delay the rebalancing process and might limit the ability to take advantage of minor pricing movement. We also offer non-discretionary advisory services. If you elect to engage us to manage assets on a non-discretionary basis, we will contact you before each trade is placed in your account. Page 12  ITEM 17: VOTING CLIENT SECURITIES We do not accept the authority to vote proxies on your behalf and we do not provide guidance about how to vote proxies. You will receive proxies and other related paperwork directly from your custodian. ITEM 18: FINANCIAL INFORMATION We do not charge or solicit pre-payment of more than $1,200 in fees per client six months or more in advance. We have never filed for bankruptcy and are not aware of any financial conditions that are reasonably likely to impair our ability to meet our contractual obligations to clients. Page 13  Part 2B: Brochure Supplement ITEM 1: COVER SHEET Shelley M. Murasko Wealthrise Financial Planning, LLC 5938 Priestly Dr., Suite 103 Carlsbad, CA 92008 (760) 508-0368 February 6, 2026 This Brochure Supplement provides information about Shelley M. Murasko that supplements the Wealthrise Financial Planning, LLC Brochure. You should have received a copy of that Brochure. Please contact Shelley Murasko, Managing Member at (760) 508-0368 or shelley@wealthrisefp.com if you did not receive Wealthrise Financial Planning, LLC’s Brochure or if you have any questions about the content of this supplement. Additional information about Shelley M. Murasko is available on the SEC’s website at www.adviserinfo.sec.gov. Her CRD number is 6370966. ITEM 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Shelley M. Murasko was born in 1972. She received a BSIOE in Industrial Engineering from University of Michigan, Ann Arbor in 1994 and went on to receive a MBA in Finance from Loyola Marymount University in 2001. Ms. Murasko received a Certificate of Financial Planning from Bryant University in 2014. Employment Background Dates 3/2016 - Present 7/2014 – 5/2016 10/2014 – 5/2016 11/2004 – 7/2014 Company Name Wealthrise Financial Planning, LLC Bahr Investment Group LPL Financial LLC Thermofisher Scientific – Life Technologies 4/2002 – 10/2004 2/1998 – 4/2002 8/1994 – 1/1998 Avon Products Gillette – Newell Rubbermaid International Paper Title(s) Managing Member Investment Advisor Registered Representative Director, Global Operations Materials Manager Manufacturing Supervisor Project Engineer  Wealthrise Financial Planning, LLC Brochure Supplement Shelley M. Murasko Professional Designations Certified Financial Planner (CFP) – July, 2017 The CFP designation is issued by the Certified Financial Planner Board of Standards, Inc. In order to receive a CFP designation, the candidate must have a bachelor’s degree or higher from an accredited college or university and have 3 years of full-time personal financial planning experience. In addition, the candidate must complete a CFP board-registered program or hold one of the following: CPA, ChFC, Chartered Life Underwriter (CLU), CFA, Ph.D. in business or economics, Doctor of Business Administration or attorney’s license. Once the designation is earned, the CFP must complete 30 hours of continuing education every 2 years. ITEM 3: DISCIPLINARY INFORMATION Registered investment advisors are required to disclose any material facts regarding any legal or disciplinary actions that would be material to your evaluation of each investment advisor representative providing investment advice to you. There is no information of this type to report. ITEM 4: OTHER BUSINESS ACTIVITIES Ms. Murasko is not involved in any other business activities. ITEM 5: ADDITIONAL COMPENSATION Ms. Murasko does not receive any economic benefit from any non-client for providing advisory services. ITEM 6: SUPERVISION Ms. Murasko, Managing Member, is responsible for the supervision of all firm personnel. Her telephone number is (760) 508-0368. Page 2  Part 2B: Brochure Supplement ITEM 1: COVER SHEET Kelly E. Doyle Wealthrise Financial Planning, LLC 5938 Priestly Dr., Suite 103 Carlsbad, CA 92008 (760) 814-5606 February 6, 2026 This Brochure Supplement provides information about Kelly Doyle that supplements the Wealthrise Financial Planning, LLC Brochure. You should have received a copy of that Brochure. Please contact Shelley Murasko, Managing Member at (760) 508-0368 or shelley@wealthrisefp.com if you did not receive Wealthrise Financial Planning, LLC’s Brochure or if you have any questions about the content of this supplement. Additional information about Kelly Doyle is available on the SEC’s website at www.adviserinfo.sec.gov. Her CRD number is 7861921. ITEM 2: EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Kelly Doyle was born in 1980. She received a BA in Environmental Studies from University of Colorado at Boulder in 2003. Employment Background Title(s) Financial Planner Dates 9/2023 - Present 3/2022 - 9/2023 3/2003 - 3/2022 Company Name Wealthrise Financial Planning, LLC Homemaker Rick Engineering Company Environmental Project Manager ITEM 3: DISCIPLINARY INFORMATION Registered investment advisors are required to disclose any material facts regarding any legal or disciplinary actions that would be material to your evaluation of each investment advisor representative providing investment advice to you. There is no information of this type to report.  Wealthrise Financial Planning, LLC Brochure Supplement Kelly Doyle ITEM 4: OTHER BUSINESS ACTIVITIES Ms. Doyle is not involved in any other business activities. ITEM 5: ADDITIONAL COMPENSATION Ms. Doyle does not receive any economic benefit from any non-client for providing advisory services. ITEM 6: SUPERVISION Ms. Murasko, Managing Member, is the responsible for the supervision of all investment personnel. Her telephone number is (760) 508-0368. Page 2