Yahara Wealth Management LLC

D I S C L O S U R E B R O C H U R E Yahara Wealth Management LLC Office Address: 725 Heartland Trail Suite 205 Madison, WI 53717 Tel: 608-467-1010 Fax: 608-467-1011 info@yaharawealth.com www.yaharawealth.com M A R C H 1 1, 2 0 2 6 This brochure provides information about the qualifications and business practices of Yahara Wealth Management LLC. Being registered as a registered investment adviser does not imply a certain level of skill or training. If you have any questions about the contents of this brochure, please contact us at 608-467-1010. 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. i Yahara Wealth Management LLC Additional information about Yahara Wealth Management LLC (CRD #168325) is available on the SEC’s website at www.adviserinfo.sec.gov  Item 2: Material Changes Annual Update The Material Changes section of this brochure will be updated annually or when material changes Material Changes since the Last Annual Amendment occur since the previous release of the Firm Brochure. This Item of the Brochure will discuss only specific material changes that are made to the Brochure since our last annual update, and provide clients with a summary of such changes. Our last annual update was March 7, 2025. Since our last annual update, we have not made any material changes. However, because our regulatory assets under management exceed $100 million, we are applying for registration with the United States Securities and Exchange Commission. As of December 31, 2025, Yahara had $112,048,767 of regulatory assets under management, and $5,379,528 of assets under advisement. Assets under advisement represent accounts over which we do not have investment or trading discretion, but for which we provide advice to clients on a non-discretionary basis, such as assets held in employer-sponsored qualified plans. The total of Full Brochure Available $117,428,295 contrasts to $97,626,765 reported as of December 31, 2024. This Firm Brochure being delivered is the complete brochure for the Firm. A copy of our current Firm Brochure may be obtained free of charge at any time by contacting us at the telephone number or email address on the cover page, or by visiting www.adviserinfo.sec.gov and searching for Yahara Wealth Management LLC (CRD #168325). ii Yahara Wealth Management LLC  Item 3: Table of Contents Form ADV – Part 2A – Firm Brochure Item 1: Cover Page …………………………………………………………………………………………………………………i Item 2: Material Changes .................................................................................................................................... ii Annual Update ................................................................................................................................................................... ii Material Changes since the Last Annual Amendment ....................................................................................... ii Item 3: Table of Contents .................................................................................................................................. iii Full Brochure Available .................................................................................................................................................. ii Item 4: Advisory Business .................................................................................................................................. 1 Firm Description ............................................................................................................................................................... 1 Types of Advisory Services ........................................................................................................................................... 1 Client Tailored Services and Client Imposed Restrictions ............................................................................... 4 Wrap Fee Programs ......................................................................................................................................................... 4 Item 5: Fees and Compensation ....................................................................................................................... 4 Client Assets under Management .............................................................................................................................. 4 Method of Compensation and Fee Schedule .......................................................................................................... 4 Client Payment of Fees ................................................................................................................................................... 6 Additional Client Fees Charged ................................................................................................................................... 7 Prepayment of Client Fees ............................................................................................................................................ 7 Item 6: Performance-Based Fees and Side-by-Side Management ........................................................ 7 External Compensation for the Sale of Securities to Clients ........................................................................... 7 Item 7: Types of Clients ....................................................................................................................................... 7 Sharing of Capital Gains ................................................................................................................................................. 7 Description .......................................................................................................................................................................... 7 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ................................................ 8 Account Minimums .......................................................................................................................................................... 8 Methods of Analysis ......................................................................................................................................................... 8 Investment Strategy ........................................................................................................................................................ 8 Security Specific Material Risks .................................................................................................................................. 8 iii Yahara Wealth Management LLC  Item 9: Disciplinary Information .................................................................................................................. 10 Criminal or Civil Actions ............................................................................................................................................. 10 Administrative Enforcement Proceedings .......................................................................................................... 10 Item 10: Other Financial Industry Activities and Affiliations ............................................................. 10 Self-Regulatory Organization Enforcement Proceedings ............................................................................. 10 Broker-Dealer or Representative Registration ................................................................................................. 10 Futures or Commodity Registration ...................................................................................................................... 11 Recommendations or Selections of Other Investment Advisors ............................................................... 11 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Other Financial Industry Activities ........................................................................................................................ 11 ................................................................................................................................................................................... 11 Code of Ethics Description ......................................................................................................................................... 11 Investment Recommendations Involving a Material Financial Interest ................................................. 12 Advisory Firm Purchase of Same Securities Recommended to Clients ................................................... 12 Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Item 12: Brokerage Practices ......................................................................................................................... 12 Transactions .................................................................................................................................................................... 12 Factors Used to Select Broker-Dealers for Client Transactions ................................................................. 12 Item 13: Review of Accounts........................................................................................................................... 13 Aggregating Securities Transactions for Client Accounts ............................................................................. 13 Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved ............................................................................................................................................................................. 13 Review of Client Accounts on Non-Periodic Basis ........................................................................................... 14 Item 14: Client Referrals and Other Compensation ............................................................................... 14 Content of Client Provided Reports and Frequency ........................................................................................ 14 Economic Benefits Provided to the Advisory Firm from External Sources ........................................... 14 Item 15: Custody ................................................................................................................................................. 15 Advisory Firm Payments for Client Referrals .................................................................................................... 15 Account Statements ...................................................................................................................................................... 15 iv Yahara Wealth Management LLC  Item 16: Investment Discretion ..................................................................................................................... 15 Item 17: Voting Client Securities ................................................................................................................... 16 Discretionary Authority for Trading...................................................................................................................... 15 Item 18: Financial Information ..................................................................................................................... 16 Proxy Votes ...................................................................................................................................................................... 16 Balance Sheet .................................................................................................................................................................. 16 Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients ............................................................................................................................................................................ 16 Brochure Supplement (Part 2B of Form ADV) ......................................................................................... 18 Bankruptcy Petitions during the Past Ten Years .............................................................................................. 16 Founding Partner | Wealth Advisor ..................................................................................................................... 18 Leonard Williams Barry, MS, CFP® ....................................................................................................................... 18 Educational Background and Business Experience ........................................................................................ 18 Disciplinary Information ............................................................................................................................................ 19 Other Business Activities ............................................................................................................................................ 19 Additional Compensation ........................................................................................................................................... 19 Brochure Supplement (Part 2B of Form ADV) ......................................................................................... 21 Supervision....................................................................................................................................................................... 19 Partner | Wealth Advisor .......................................................................................................................................... 21 Andrew John Crone, CFP®, CAP® .......................................................................................................................... 21 Educational Background and Business Experience ........................................................................................ 21 Disciplinary Information ............................................................................................................................................ 23 Other Business Activities ............................................................................................................................................ 23 Additional Compensation ........................................................................................................................................... 23 Supervision....................................................................................................................................................................... 23 v Yahara Wealth Management LLC  Item 4: Advisory Business Firm Description Yahara Wealth Management LLC (“YWM”) was founded in 2013. Leonard W. Barry, Founding Partner and Wealth Advisor, owns 75% of the limited liability company, and Andrew J. Crone, Partner and Wealth Advisor, owns 25%. YWM offers personalized confidential financial planning and investment advisory services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management and/or consulting, education funding, retirement planning, and estate planning. YWM is a fee-only financial planning and investment advisory firm. “Fee-only” means no commissions in any form are accepted. YWM does not act as a custodian of client assets. Other professionals (e.g., lawyers, accountants, bankers, insurance agents, et al.) are engaged directly by the client on an as-needed basis and may charge fees of their own. Conflicts of interest Types of Advisory Services will be disclosed to the client in the unlikely event they should occur. INVESTMENT ADVISORY SERVICES YWM works with clients to understand their current financial condition, goals, risk tolerance, income, liquidity requirements, investment time horizons, and other relevant information. YWM will determine the suitability of certain investments for clients, and assist clients in determining their investment objectives and policies. These objectives may be reflected in a written Investment Policy Statement. YWM evaluates the client’s existing investments to conform to the client’s investment objectives and risk tolerance. YWM works with new clients to develop a plan to transition from the client’s existing portfolio to the portfolio recommended by YWM. YWM will then continuously monitor the client’s portfolio holdings and the overall asset allocation strategy and hold review meetings with the client as necessary. Clients will typically hold their investment assets in an account(s) held by a qualified custodian with which YWM has an established relationship. With respect to such account(s), clients will normally grant YWM discretionary authority to select securities and execute transactions without permission from the client prior to each transaction. YWM may also provide non-discretionary investment advice regarding investment assets that are held away from the qualified custodians with which YWM has an established relationship (“Outside Assets”), such as employer-sponsored qualified retirement plans. If desired by the client, YWM will have access to information regarding Outside Assets through its account aggregation tool (“Linked Outside Assets”), and will include Linked Outside Assets in Adviser’s overall asset allocation recommendations. When Outside Assets are not linked to the account aggregation tool (“Unlinked Outside Assets”), Adviser may provide a separate asset allocation for each Unlinked Outside Asset account. YWM will typically create a portfolio of “no-load” (commission-free) mutual funds and exchange- traded funds (“ETFs”), and may use model portfolios if the models match the client’s investment policy. YWM primarily recommends portfolios consisting of passively managed asset class and - 1 - Yahara Wealth Management LLC  index mutual funds and ETFs with low holdings turnover. Passively managed funds with low holdings turnover tend to be more tax-efficient and cost less to own than actively managed funds. For clients with a fixed income allocation, YWM may recommend customized, laddered portfolios of individual fixed income securities. Low-cost passively managed fixed income mutual funds and ETFs may be used instead of, or in addition to, laddered portfolios of individual fixed income securities. On an ongoing basis, YWM may answer clients’ inquiries regarding their accounts and review periodically with clients the performance of their accounts. YWM will provide to the fixed income securities manager any updated client financial information or account restrictions necessary for the fixed income securities manager to provide subadvisory services. YWM may also use individual equities, actively managed mutual funds, and other securities in YWM’s sole discretion. Individual equities and actively managed mutual funds are most often in clients’ portfolios if purchased prior to working with YWM, and if sale would cause undesired tax EMPLOYEE BENEFIT PLAN SERVICES consequences or the client specifically requests that they be retained. Advisor acts as an ERISA Limited Scope 3(21) Fiduciary. In coordination with Focus Partners Retirement Solutions, LLC (“Focus”), formerly Buckingham Strategic Partners, LLC (“BSP”), YWM provides service to qualified and non-qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit-sharing plans, cash balance plans, and deferred compensation plans. Clients choosing employee benefit plan services will normally engage both YWM and Focus. YWM typically acts as a limited scope 3(21) fiduciary that can advise and assist plan sponsors with their investment Focus acts as an ERISA 3(38) Investment Manager. decisions and selection of other service providers to the plan. Focus acts as a 3(38) Investment Manager in which it has discretionary management and control of a given retirement plan’s assets. Focus then becomes solely responsible and liable for the selection, monitoring and replacement of the plan’s investment options, according to the goals and investment objectives of the plan. YWM offers the following services to plans and plan participants: 1. Fiduciary Services: a. Provide non-discretionary investment advice to the client about asset classes and investment alternatives available for the plan in accordance with the plan’s investment policies and objectives. b. Assist the client with the selection of a broad range of investment options consistent with ERISA Section 404(c) and the regulations thereunder. c. Assist the client in the development of an Investment Policy Statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the IPS. d. Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformance to the guidelines set forth in the IPS and make recommendations to maintain, remove or replace investment options. - 2 - Yahara Wealth Management LLC  e. Meet with client on a periodic basis to discuss the reports and the investment recommendations. f. Provide non-discretionary investment advice to the plan sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the plan or who have otherwise failed to make investment elections. The client retains the sole responsibility to provide all notices to the plan participants required under ERISA Section 404(c) (5). 2. Non-fiduciary Services: a. Assist in the education of plan participants about general investment information and the investment alternatives available to them under the plan. Client understands YWM’s assistance in education of the plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). b. Assist in the group enrollment meetings designed to increase perceived value and/or participation among retirement plan participants. YWM may provide these services or, alternatively, may arrange for the plan’s other providers to offer these services, as agreed upon between YWM and client. A specific description of the scope of engagement and client deliverables will be outlined in the client engagement agreement. 3. YWM has no responsibility to provide services related to the following types of assets (“Excluded Assets”): a. Employer securities; b. Real estate (except for real estate funds or publicly traded REITs); c. Stock brokerage accounts or mutual fund windows; d. Non-publicly traded partnership interests; e. Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or not f. Other hard-to-value or illiquid securities or property. Excluded Assets will be included in calculation of fees paid to YWM under this Agreement. YWM will not have discretion or custody, at any time, of client funds and/or securities. If a conflict of interest exists between the interests of the investment advisor and the interests of the client, the client is under no obligation to act upon the investment advisor’s recommendation. If the client elects to act on any of the recommendations, the client is under no obligation to effect the FINANCIAL PLANNING SERVICES transaction through YWM. Services may include, but are not limited to, income planning, education planning, charitable planning, retirement planning, estate planning, tax planning, overall financial planning, and/or risk management counsel. YWM assists clients with determining financial goals, identifying areas for improvement, identifying and prioritizing steps to take to reach financial goals. YWM will work with clients on an ongoing basis to complete these steps. Clients are responsible for implementing YWM’s recommendations. With respect to estate planning and tax planning, YWM acts as a facilitator between the clients and their designated professional adviser(s). YWM does not provide - 3 - Yahara Wealth Management LLC  legal, accounting, or tax advice, and recommends that clients seek the advice of a qualified attorney and accountant as necessary. Financial Planning Services may be provided in conjunction with Investment Advisory Services. The Financial Planning Services fee may be waived at YWM’s discretion. YWM gathers information for financial planning through personal interviews, which may take place in person, or by phone, electronic mail, or other means. Related documents supplied by the client are carefully reviewed A summary of YWM’s recommendations may be provided verbally, in writing, or electronically. Should a client choose to implement the recommendations in the plan, YWM suggest the client work closely with his/her attorney, accountant, banker, insurance agent, or other professional(s) as may be necessary. Implementation of financial plan recommendations is entirely at the client’s Client Tailored Services and Client Imposed Restrictions discretion, and the client is under no obligation to effect transactions through YWM. The goals and objectives for each client are documented in our client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions, such as directing YWM to invest, or not to invest, in certain securities or types of securities. However, if the restrictions prevent YWM from properly servicing the client, or if the restrictions would require YWM to deviate unduly from its recommended investment strategy, YWM reserves the right to end Wrap Fee Programs the relationship. Agreements may not be assigned without client consent. Client Assets under Management YWM does not sponsor any wrap fee programs. As of December 31, 2025, YWM had $112,048,767 of regulatory assets under management, and $5,379,528 of assets under advisement. Assets under advisement represent accounts over which we do not have investment or trading discretion, but for which we provide advice to clients on a non-discretionary basis, such as assets held in employer-sponsored qualified plans. Item 5: Fees and Compensation Method of Compensation and Fee Schedule YWM is strictly a fee-only financial planning and investment advisory firm. The firm does not receive commissions for purchasing or selling annuities, insurance, stocks, bonds, mutual funds, ETFs, limited partnerships, or other commissioned products. The fee terms described below are current as of the date of this brochure. YWM reserves the right to offer fee discounts and waivers in its sole discretion. In addition, some clients of YWM may have legacy fee arrangements which differ from those noted below. Clients should refer to their advisory agreement for information regarding their specific fee. - 4 - Yahara Wealth Management LLC  INVESTMENT ADVISORY SERVICES The annual fee for YWM’s Investment Advisory Services will be charged as a percentage of assets under management, according to the schedule below: Assets Under Management Annual Fee (%) On the first $2,000,000 On the next $3,000,000 On the next $5,000,000 Above $10,000,000 1.00% 0.80% 0.40% 0.30% Fees are computed and billed quarterly, in advance, and are based on the amount of assets managed as of the last day of the month in the prior quarter. For purposes of calculating the Investment Advisory Fee, “Assets Under Management” and the applicable “Annual Fee” applied will include assets in Client’s Account for which YWM provides discretionary investment management, and Linked Outside Assets for which YWM provides non-discretionary investment advisory services. YWM imposes a minimum fee of $2,500 per quarter. YWM, in its sole discretion, may waive or reduce this minimum fee requirement based upon certain criteria (e.g., nature and scope of services desired by the client, historical relationship, type of assets, anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with clients, etc.). Fees for Investment Advisory Services are generally not negotiable; however, YWM reserves the right, in its sole discretion, to waive or reduce fees in certain circumstances. Individual accounts for immediate family members are aggregated, and the fee is charged based on the total value of all family members’ accounts. Generally, other accounts are not aggregated for this purpose; however, YWM may do so at its discretion. Fees will be prorated, on a monthly basis, for new accounts opened during a quarter. For example, an account funded in the first month of the quarter will have two months’ fees billed in advance based on the amount of assets managed as of the last business day of the first month. Quarterly advisory fees deducted from the clients' accounts by the custodian will be reflected in a provided fee invoice as fees are withdrawn. Lower fees for comparable services may be available from other sources. Clients may terminate their account within five (5) business days of signing the Investment Advisory Agreement for a full refund. Investment Advisory Services clients may terminate advisory services at any time by written notice. If a client terminates the Investment Advisory Agreement mid-quarter, the client will be entitled to a pro rata refund for the days service was not provided in the final quarter. Clients shall be given forty-five (45) days prior written notice of any amendment EMPLOYEE BENEFIT PLAN SERVICES to the fee schedule. The annual fee for YWM’s employee benefit plan services will be charged as a percentage of assets under management, according to the schedule below: Annual Fee (%) Assets Under Management (not including Excluded Assets as defined in Item 4) On the first $1,000,000 On the next $4,000,000 On the next $5,000,000 Above $10,000,000 0.70% 0.45% 0.25% 0.15% - 5 - Yahara Wealth Management LLC  Employee benefit plans whose balance falls below $1,000,000 will be accepted only on a case-by- case basis. YWM, in its sole discretion, may waive or reduce this minimum asset requirement. Fees for Employee Benefit Plan Services may be negotiable in some circumstances, and YWM may charge a lower or higher investment advisory fee, based upon certain criteria (e.g., nature and scope of services desired by the client, plan demographics, plan investment options, historical relationship, type of assets, anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with clients, etc.). YWM also reserves the right to impose a minimum annual or quarterly fee. YWM has no maximum fee. Asset-based fees are billed quarterly in advance. The initial fee will be based on the market value of the plan assets (not including Excluded Assets as defined in Item 4) as calculated by the custodian or recordkeeper on the first business day of the initial fee period. Initial fees for partial quarters are pro-rated by month. Asset-based fees are typically paid by the plan, but may also be paid directly by the plan sponsor. If direct payment by the plan sponsor is desired, plan sponsor may choose to have the amount deducted from another account managed by YWM, or pay via debit from a bank account. Client must provide written authorization in advance to allow debiting of their account. Certain third-party administrators process bank account debits and remit fees to YWM. YWM is not involved in the collection of written authorization for bank debits, nor does YWM ever have access to the plan sponsor’s bank account information. It is the client’s responsibility to verify the accuracy of fees paid. Employee benefit plan clients may terminate advisory services upon thirty (30) days prior written notice. For accounts closed mid-quarter, the client will be entitled to a pro rata refund for the number of days in that quarter after the effective date of termination. YWM does not expect to receive any compensation, directly or indirectly, from sources other than the plan. If additional compensation is received, YWM will disclose this compensation, the services rendered, and the payer of compensation. YWM will offset the compensation against the fees agreed upon with the plan. For Investment Advisory and Employee Benefit Plan Services, YWM will request authority from the client to receive quarterly payments directly from the client's account(s) held by an independent custodian. Clients may provide written limited authorization to YWM to withdraw fees from the account(s). Clients will receive custodial statements showing the advisory fees debited from their account(s). Certain third-party administrators will calculate and debit YWM’s fee and remit such fee FINANCIAL PLANNING SERVICES to YWM. YWM’s Financial Planning Fees are based upon the level and scope of the services required. When Clients engage our Financial Planning Services separately, and do not engage our Investment Advisory Services, Financial Planning Services are subject to a minimum fee of $1,500 per quarter. YWM, in its sole discretion, may waive or reduce this minimum fee requirement. YWM has no maximum fee. Prior to the planning process, the client will be provided an estimated fee range based on the clients’ needs and the complexity of the client’s financial circumstances. Fees may be negotiable, at YWM’s sole discretion. Fees for financial planning services are typically billed on a quarterly basis, in advance. Fees are typically paid directly by the client; however, upon mutual agreement between Client Payment of Fees YWM and the client, fees may be deducted from the client's accounts in some situations. Investment Advisory Fees are billed quarterly in advance, meaning we bill before the three-month period has started. Payment in full is expected upon invoice presentation. Fees are usually deducted from a designated client account(s) to facilitate billing. The client must consent in advance to direct debiting of their investment account(s). Initial fees for partial quarters are pro-rated. For accounts - 6 - Yahara Wealth Management LLC  closed mid-quarter, the client will be entitled to a pro rata refund for the days service was not provided in the final quarter. Financial Planning Fees are also billed quarterly in advance. Fees are typically paid using a third- party payment processor’s secure portal through which the client can securely input banking or Additional Client Fees Charged credit card information. Mutual funds and exchange-traded funds generally charge a management fee for their services as investment managers. The management fee is called an expense ratio. For example, an expense ratio of 0.50% means that the fund company charges 0.50% of assets annually for their services. Clients are responsible for these expense ratios, which compensate the fund companies and do not benefit YWM. YWM strives to keep expense ratios as low as possible. Also, clients who own individual fixed income securities pay no fund expense ratio on that portion of the portfolio. Custodians may charge transaction fees on purchases or sales of certain mutual funds, exchange- traded funds, equities, and other securities. These transaction fees are usually small and incidental to the purchase or sale of a security. The selection of the security is more important than the nominal fee that the custodian charges to buy or sell the security. Clients are responsible for transaction fees, which compensate the custodians and do not benefit YWM. YWM strives to keep transaction costs as low as possible. Prepayment of Client Fees For more details on the brokerage practices, see Item 12 of this brochure. Investment Advisory Fees and Financial Planning Fees are billed quarterly in advance. Client may cancel within five (5) business days for a full refund. If the client cancels after five (5) business days, any unearned fees will be refunded to the client, or any unpaid earned fees will be External Compensation for the Sale of Securities to Clients due to YWM. YWM does not receive any external compensation for the sale of securities to clients, nor do any of the investment advisor representatives of YWM. Item 6: Performance-Based Fees and Side-by-Side Management Sharing of Capital Gains Fees are not based on a share of the capital gains or capital appreciation of managed securities. YWM does not use a performance-based fee structure because of the conflict of interest. Performance-based compensation may create an incentive for the advisor to recommend an investment that may carry a higher degree of risk to the client. Item 7: Types of Clients Description YWM offers personalized confidential financial planning and investment advisory services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. Client relationships vary in scope and length of service. - 7 - Yahara Wealth Management LLC  Account Minimums YWM imposes a minimum fee of up to $2,500 per quarter, depending on the services provided. YWM, in its sole discretion, may waive or reduce this minimum fee requirement based upon certain criteria (e.g., nature and scope of services desired by the client, historical relationship, type of assets, anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with clients, etc.). Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis YWM's investment approach is firmly rooted in the belief that markets are efficient over periods of time and that investors' long-term returns are determined principally by asset allocation decisions, not by market timing or stock picking. YWM focuses on developing globally diversified portfolios, principally through the use of low-cost passively managed mutual funds and customized, laddered portfolios of individual fixed income securities. Investment advice may be offered on any investments held by a client at the start of the advisory relationship. YWM's investment philosophy is designed for investors with an investment time horizon of a minimum of five years, and preferably longer. YWM trades as necessary (e.g., cash management, rebalancing, and tax loss harvesting) but strives to keep trading to a minimum level required for prudent portfolio management. Frequent trading of securities increases transaction costs and tax consequences that YWM's investment philosophy seeks to minimize for clients. YWM receives supporting research from third-party resources and consultants, including economists affiliated with Dimensional Fund Advisors (“DFA”). DFA provides historical market analysis, risk/return analysis, and continuing education to YWM. YWM also consults other sources that may include, but are not limited to, financial publications, research materials prepared by Investment Strategy others, and prospectuses. The investment strategy for a specific client is based upon the objectives stated by the client during consultations. The client may change these objectives at any time. Each client executes an Security Specific Material Risks Investment Policy Statement that documents their objectives and their desired investment strategy. Investing in securities involves risk of loss that clients should be prepared to bear. All investments present the risk of loss of principal – the risk that the value of securities (e.g., mutual funds, ETFs and individual bonds), when sold or otherwise disposed of, may be less than the price paid for the securities. Even when the value of the securities when sold is greater than the price paid, there is the risk that the appreciation will be less than inflation. In other words, the purchasing power of the proceeds may be less than the purchasing power of the original investment. The mutual funds and ETFs utilized by YWM include funds invested in domestic and international equities, including real estate investment trusts (REITs), corporate and government fixed income securities, commodity futures, and, in certain circumstances, funds that are focused on seeking alternative sources of return that have low or negative correlation to stocks and bonds, including funds investing in alternative lending securities, reinsurance-related securities, managed futures and currencies.. Equity securities may include large capitalization, medium capitalization and small - 8 - Yahara Wealth Management LLC  capitalization stocks. Mutual funds and ETFs invested in fixed income securities are subject to the same interest rate, inflation and credit risks associated with the underlying bond holdings. Among the more risky funds used in YWM’s investment strategies are U.S. and international small capitalization and small capitalization value funds, emerging markets funds, commodity futures funds, alternative lending securities funds, reinsurance funds, managed futures funds and funds holding currencies. Conservative fixed income securities have lower risk of loss of principal, but most bonds (with the exception of Treasury Inflation Protected Securities, or TIPS) present the risk of loss of purchasing power through lower expected return. This risk is greatest for longer-term bonds. Certain funds utilized by YWM may contain international securities. Investing outside the United States involves additional risks, such as currency fluctuations, periods of illiquidity and price volatility. These risks may be greater with investments in developing countries. • Equity Securities Risk: More information about the risks of any particular market sector can be reviewed in representative mutual fund prospectuses within each applicable sector. • Fixed Income Securities Risk: Equity securities (common, convertible preferred stocks and other securities whose values are tied to the price of stocks, such as rights, warrants and convertible debt securities) could decline in value if the issuer’s financial condition declines or in response to overall market and economic conditions. A fund's principal market segment(s), such as large cap, mid cap or small cap stocks, or growth or value stocks, may underperform other market segments or the equity markets as a whole. Investments in smaller companies and mid-size companies may involve greater risk and price volatility than investments in larger, more mature companies. • Asset Allocation Risk: Fixed income securities are subject to interest rate risk and credit quality risk. The market value of fixed income securities generally declines when interest rates rise, and the credit quality of the obligor of fixed income securities could weaken leading to a lower credit quality and value of securities. • A fund’s selection and weighting of asset classes and/or underlying funds may cause it to underperform other funds with a similar investment Interval Fund Risk objective. : Where appropriate, YWM may recommend certain funds structured as non-diversified, closed-end management investment companies, registered under the Investment Company Act of 1940 (“interval fund”). Investments in an interval fund involve additional risk, including lack of liquidity and restrictions on withdrawals. During any time periods outside of the specified repurchase offer window(s), investors will be unable to sell their shares of the interval fund. There is no assurance that an investor will be able to tender shares when or in the amount desired and the fund can suspend or postpone repurchases. Additionally, in limited circumstances, an interval fund may have a limited amount of capacity and may not be able to fulfill all purchase orders. While an interval fund periodically offers to repurchase a portion of its securities, there is no guarantee that investors may sell their shares at any given time or in the desired amount. The closed-end interval funds recommended by YWM impose liquidity gates for each repurchase offer and in the event the offer is oversubscribed, the requested redemption amount may be reduced. As interval funds may expose investors to liquidity risk, investors should consider interval fund shares to be an illiquid investment. Typically, the interval funds are not listed on any securities exchange and are not publicly traded. Thus, there is no secondary market for the fund’s shares. Clients should carefully review the fund’s prospectus to more fully understand the interval fund - 9 - Yahara Wealth Management LLC  • Alternative Fund Risk structure and the corresponding liquidity risks. Because these types of investments involve certain additional risk, these funds will only be utilized when consistent with a client’s investment objectives, individual situation, suitability, tolerance for risk and liquidity needs. Investment should be avoided where an investor has a short-term investing horizon and/or cannot bear the loss of some or all of the investment. : Certain alternative funds (registered under the Investment Company Act of 1940) utilized by YWM may employ use of derivatives, options, futures and/or short sales. Use of derivatives, options or futures by a fund may be for purposes of gaining exposure to a particular asset group, for hedging purposes or for leverage purposes. The use of derivatives, options and futures exposes the funds to additional risks and transaction costs. In addition, if the fund uses leverage through activities such as entering into short sales or purchasing derivative instruments, there are additional risk, including the fund having the risk that losses may exceed the net assets of the fund. The net asset value of a fund while employing leverage will be more volatile and sensitive to market movements. Clients should carefully review the fund’s prospectus to more fully understand the risk of funds employing the use of derivatives, options, futures and/or short sales. Investments in these funds should be avoided where an investor has a short-term investing horizon and/or cannot bear the loss of some or all of the investment In addition to general market risks described above, our investment strategies may be subject to the risk of loss arising from direct or indirect exposure to a number of types of catastrophic events, such as global pandemics, natural disasters, acts of terrorism, cyberattacks, or network outages. The extent and impact of any such event on investment strategies will depend on many factors, including the duration and scope of the event, the extent of any governmental restrictions, the effect on the supply chain, overall consumer confidence, and the extent of the disruption to global and domestic markets. The risks of loss described herein should not be considered to be an exhaustive list of all the risks which clients should consider. Item 9: Disciplinary Information Criminal or Civil Actions Administrative Enforcement Proceedings The firm and its management have not been involved in any criminal or civil action. Self-Regulatory Organization Enforcement Proceedings The firm and its management have not been involved in administrative enforcement proceedings. The firm and its management have not been involved in legal or disciplinary events related to past or present investment clients. Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer or Representative Registration YWM is not registered as a broker-dealer and no affiliated representatives of YWM are registered representatives of a broker-dealer. - 10 - Yahara Wealth Management LLC  Futures or Commodity Registration Neither YWM nor its employees are registered or has an application pending to register as a futures Recommendations or Selections of Other Investment Advisors commission merchant, commodity pool operator, or a commodity trading advisor. As described above in Item 4, YWM may exercise discretionary authority provided by a client to select an independent third-party investment manager to manage laddered portfolios of individual fixed income securities. YWM has a fiduciary duty to select qualified and appropriate managers in the client’s best interest. The management of YWM reviews the performance of third-party managers on a periodic basis, and may replace a third-party manager if it no longer meets the needs Other Financial Industry Activities of YWM’s clients. In addition to its advisory services outlined in this brochure, YWM also owns and operates a website (www.erdocfinance.com) that provides financial information, educational courses, articles, resources and other content tailored for emergency room physicians and their special financial considerations. The content is for educational and information purposes only. The website is available to the general public, and users may also subscribe to an email list to receive updates when new content is available. In some cases, advisory clients of YWM may also view the website and/or subscribe to the email list. Website content may also direct users to YWM for information on advisory services. If website users become YWM advisory clients, YWM will receive economic benefit, which presents a conflict of interest. However, retaining YWM for advisory services is entirely voluntary, and subscribers are not required to retain YWM. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Description The employees of YWM have committed to a Code of Ethics (“Code”). The purpose of our Code is to set forth standards of conduct expected of YWM employees and address conflicts that may arise. The Code defines acceptable behavior for employees of YWM. The Code reflects YWM and its supervised persons’ responsibility to act in the best interest of their client. One area which the Code addresses is when employees buy or sell securities for their personal accounts and how to mitigate any conflict of interest with our clients. We do not allow any employees to use non-public material information for their personal profit or to use internal research for their personal benefit in conflict with the benefit to our clients. YWM’s policy prohibits any person from acting upon or otherwise misusing non-public or inside information. No advisory representative or other employee, officer or director of YWM may recommend any transaction in a security or its derivative to advisory clients or engage in personal securities transactions for a security or its derivatives if the advisory representative possesses material, non-public information regarding the security. YWM’s Code is based on the guiding principle that the interests of the client are our top priority. YWM’s officers, advisors, and other employees have a fiduciary duty to our clients and must diligently perform that duty to maintain the complete trust and confidence of our clients. When a conflict arises, it is our obligation to put the client’s interests over the interests of either employees or the company. - 11 - Yahara Wealth Management LLC  who have access to non-public information regarding any clients' purchase or sale of securities, or non-public information regarding The Code applies to “access” persons. “Access” persons are employees the portfolio holdings of any reportable fund, who are involved in making securities recommendations to clients, or who have access to such recommendations that are non-public. Investment Recommendations Involving a Material Financial Interest The firm will provide a copy of the Code of Ethics to any client or prospective client upon request. YWM and its employees do not recommend to clients securities in which we have a material Advisory Firm Purchase of Same Securities Recommended to Clients financial interest. YWM and its employees may buy or sell securities that are also held by clients. In order to mitigate conflicts of interest such as trading ahead of client transactions, employees are required to disclose all reportable securities transactions quarterly, and provide YWM with copies of their brokerage statements. The Chief Compliance Officer of YWM is Leonard Barry. He reviews all employee trades each quarter. The personal trading reviews ensure that the personal trading of employees does not affect Client Securities Recommendations or Trades and Concurrent Advisory Firm the markets and that clients of the firm receive preferential treatment over employee transactions. Securities Transactions YWM does not maintain a firm proprietary trading account and does not have a material financial interest in any securities being recommended and therefore no conflicts of interest exist. However, employees may buy or sell securities at the same time they buy or sell securities for clients. In order to mitigate conflicts of interest such as trading ahead of clients, employees are required to disclose all reportable securities transactions quarterly, and provide YWM with copies of their brokerage statements. Item 12: Brokerage Practices Factors Used to Select Broker-Dealers for Client Transactions Investment advisors who manage or supervise client portfolios on a discretionary basis have a fiduciary obligation of best execution. The determination of what may constitute best execution and price in the execution of a securities transaction by a broker involves a number of considerations and is subjective. Factors affecting brokerage selection include the overall direct net economic result to the portfolios, the efficiency with which the transaction is effected, the ability to effect the transaction where a large block is involved, the operational facilities of the broker-dealer, the value of an ongoing relationship with such broker and the financial strength and stability of the broker. YWM does not receive any portion of the trading fees. YWM arranges for the execution of securities transactions with the custodian that holds the client’s account. YWM may participate in the Schwab Advisor Services (“SAS”) program offered to independent investment advisors by Charles Schwab & Company, Inc. (“Schwab”) and the custodial platform services offered to independent investment advisors by Altruist Financial, LLC (“Altruist”). Schwab and Altruist are SEC-registered broker-dealers and FINRA/SIPC member broker-dealers, and are independent and unaffiliated with YWM. The services and benefits offered by these programs are available to all advisors who participate in the programs, and are not dependent on the number of brokerage transactions directed to the custodian. Therefore, these programs are not considered soft dollar arrangements. - 12 - Yahara Wealth Management LLC  The Schwab and Altruist brokerage programs will generally be recommended to advisory clients for the execution of mutual fund and equity securities transactions. YWM regularly reviews these programs to ensure that its offerings are consistent with its fiduciary duty. These trading platforms are essential to YWM's service arrangements and capabilities, and YWM reserves the right not to accept clients who direct the use of other broker-dealers. Lower fees for comparable services may be available from other sources. Clients pay for any and all custodial fees in addition to the advisory fee charged by YWM. As YWM will not request the discretionary authority to determine the broker-dealer to be used or the transaction fees to be paid for mutual fund and equity securities transactions, clients must direct YWM as to the broker-dealer to be used. In directing the use of a particular broker or dealer, it should be understood that YWM will not have authority to negotiate transaction fees among various brokers or obtain volume discounts, and best execution may not be achieved. Not all investment advisors require clients to direct the use of specific brokers. YWM will not exercise authority to arrange client transactions in individual fixed income securities. Clients will provide this authority to a fixed income portfolio manager retained by YWM on client’s behalf by granting the manager trading authority over client’s brokerage account. Clients will be provided with the Disclosure Brochure (Form ADV Part 2) of the fixed income manager. Schwab and Altruist do not generally charge clients a custody fee, and are compensated by account holders through commissions or other transaction-related fees for securities trades that are executed through the broker or that settle into the clients’ accounts at the brokers. Trading client accounts through other brokers may result in fees (including mark-ups and mark-downs) being charged by the custodial broker and an additional broker. While YWM will not arrange transactions through brokers other than Schwab or Altruist, the authority of the fixed income portfolio manager includes the ability to trade client fixed income assets through other brokers. YWM does not have any arrangements to compensate any broker-dealer for client referrals. YWM does not retain any gains from trade errors. YWM makes clients whole with respect to any Aggregating Securities Transactions for Client Accounts trade error losses incurred by clients caused by YWM. While YWM is authorized in its discretion to aggregate client transactions, YWM generally does not do so. Because YWM primarily utilizes mutual funds and ETFs, transaction costs are almost never saved by aggregating orders in circumstances in which YWM arranges transactions. Item 13: Review of Accounts Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved INVESTMENT ADVISORY SERVICES Account assets are supervised continuously and regularly reviewed quarterly. The review process contains each of the following elements: • • • • assessing client goals and objectives; evaluating the employed strategy(ies); monitoring the portfolio(s); and addressing the need to rebalance. For fixed income portfolios, certain account review responsibilities are delegated to a third party investment manager as described above in Item 4. - 13 - Yahara Wealth Management LLC  EMPLOYEE BENEFIT PLAN SERVICES Plan assets are reviewed as necessary and according to the standards and situations described FINANCIAL PLANNING SERVICES above for Investment Advisory Services accounts. Financial Planning Services are typically provided in conjunction with Investment Advisory Services. YWM works with clients on to review and monitor progress on YWM’s financial planning recommendations on an ongoing basis. Timing and frequency of reviews are based on each Review of Client Accounts on Non-Periodic Basis individual client’s needs. Additional account reviews may be triggered by any of the following events: • • • • • Content of Client Provided Reports and Frequency a specific client request; a change in client goals and objectives; an imbalance in a portfolio asset allocation; market/economic conditions; and realizing tax losses in an account. All clients will receive quarterly performance reports, prepared by YWM, that summarize the client's account(s) and asset allocation. Quarterly reports include portfolio performance review, current positions, billing statements, and current market value. Clients will also receive monthly statements from their account custodian, which will outline the client’s current positions and EMPLOYEE BENEFIT PLAN SERVICES current market value. The custodian will also send the client a confirmation of each transaction. YWM and Focus, together with a plan’s recordkeeper, also provide quarterly information regarding investment returns and participant education that may be distributed by the sponsor or plan administrator to participants of the plan. Item 14: Client Referrals and Other Compensation Economic Benefits Provided to the Advisory Firm from External Sources As indicated above under the disclosure for Item 12, Schwab and Altruist provide YWM with access to services which are not available to retail investors. These services are generally available to independent investment advisors on an unsolicited basis at no charge to them. These services benefit YWM but may not benefit its clients’ accounts. Many of the products and services assist YWM in managing and administering clients’ accounts. These include software and other technology that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), provide research, pricing information and other market data, facilitate payment of YWM's fees from its clients' accounts, and assist with back-office functions, recordkeeping and client reporting. Many of these services generally may be used to service all or a substantial number of YWM’s accounts. Schwab and Altruist also make available to YWM other services intended to help YWM manage and further develop its business enterprise. These services may include consulting, publications and conferences on practice management, information technology, business succession, regulatory compliance, and marketing. YWM does not, however, enter into any commitments with Schwab or Altruist for transaction levels in exchange for any - 14 - Yahara Wealth Management LLC  services or products from brokers. There is no incentive for YWM to direct clients to the broker- dealers it uses over other broker-dealers who offer the same benefits. While as a fiduciary, YWM endeavors to act in its clients’ best interests, YWM’s recommendation is that clients maintain their assets in accounts at Schwab or Altruist may be based in part on the benefit to YWM of the availability of some of the foregoing products and services and not solely on the nature, cost, or quality of custody or brokerage services provided by Schwab and Altruist, which may create a potential conflict of interest. This conflict is mitigated by the fact that YWM has a fiduciary responsibility to act in the best interest of its clients, and the services received are generally beneficial to all clients. YWM also receives software from DFA, which YWM utilizes in forming asset allocation strategies and producing performance reports. DFA also provides continuing education for YWM personnel. These services are designed to assist YWM in planning and designing its services for business Advisory Firm Payments for Client Referrals growth. YWM does not compensate for client referrals. Item 15: Custody Account Statements Clients will receive monthly statements from their account custodian, which will outline the client’s current positions and current market value. Clients are urged to compare the account statements received directly from their custodians to the performance report statements prepared by YWM. YWM’s statements may vary from custodial statements based on accounting procedures, reporting dates, or valuation methodologies of certain securities. YWM is deemed to have constructive custody solely because advisory fees are directly deducted from clients’ accounts by the custodian on behalf of YWM. Item 16: Investment Discretion Discretionary Authority for Trading Investment Advisory Services Generally, YWM requests that it be provided with written authority to determine which securities and the amounts of securities that are bought or sold. For fixed income securities, this authority will include the discretion to retain a third-party portfolio manager for fixed income accounts. Discretion as an “investment manager” for certain retirement plans involves selecting available investments for the plan as well as creating model portfolios and making them available to participants. Any limitations on discretionary authority shall be included in this written authority statement. Clients may change or amend these limitations as required. Such amendments shall be submitted in writing. When selecting securities and determining amounts, YWM observes the investment policies, limitations, and restrictions of the clients whom it advises. Investment guidelines and restrictions must be provided to YWM in writing. The client approves the custodian to be used and the transaction fees paid to the custodian. YWM does not receive any portion of the transaction fees paid by the client to the custodian. With regard to Outside Assets, Investment Advisory Services are provided on a non-discretionary basis. Clients have sole discretion to determine whether to implement YWM’s recommendations - 15 - Yahara Wealth Management LLC  with respect to Outside Assets. If the client wishes to implement YWM’s recommendations with respect to Outside Assets, it is the client’s sole responsibility to initiate any transactions necessary to implement such recommendations in a timely manner, and to provide YWM with updated Financial Planning Services information as requested. Financial Planning Services are provided on a non-discretionary basis. The client has the sole discretion to determine whether to implement YWM’s recommendations, and may implement such recommendations with another professional adviser(s) of the client’s choosing (e.g., an accountant, attorney, or insurance professional. The client is responsible for taking any actions or initiating any transactions necessary to implement YWM’s recommendations in a timely manner. Item 17: Voting Client Securities Proxy Votes As a matter of firm policy and practice, YWM does not accept the authority to vote, and does not vote, proxies. Clients retain the responsibility for receiving and voting proxies for any and all securities maintained in client portfolios. Clients will receive applicable proxies directly from the issuer of securities held in clients’ investment portfolios. YWM, however, may provide advice to clients regarding clients' voting of proxies, if requested. It is in the client’s sole discretion whether to act on such advice. If a conflict of interest exists, it will be disclosed to the client. Clients should note that YWM will neither advise nor act on behalf of the client in legal proceedings involving companies whose securities are held or previously were held in the client’s account(s), including, but not limited to, the filing of “Proofs of Claim” in class action settlements. If desired, clients may direct YWM to transmit copies of class action notices to the client or a third party. Upon such direction, YWM will make commercially reasonable efforts to forward such notices in a timely manner. Item 18: Financial Information Balance Sheet A balance sheet is not required to be provided because YWM does not serve as a custodian for client funds or securities and YWM does not require prepayment of fees of more than $1,200 per client Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet and six months or more in advance. Commitments to Clients YWM has no condition that is reasonably likely to impair our ability to meet contractual Bankruptcy Petitions during the Past Ten Years commitments to our clients. Neither YWM nor its management has had any bankruptcy petitions in the last ten years. - 16 - Yahara Wealth Management LLC  S U P E R V I S E D P E R S O N B R O C H U R E F O R M A D V P A R T 2 B ® Leonard Williams Barry, MS, CFP Yahara Wealth Management LLC Office Address: 725 Heartland Trail Suite 205 Madison, WI 53717 Tel: 608-467-1010 Fax: 608-467-1011 leonard@yaharawealth.com www.yaharawealth.com M A R C H 1 1, 2 0 2 6 This brochure supplement provides information about Leonard Barry and supplements Yahara Wealth Management LLC’s brochure. You should have received a copy of that brochure. Please contact Leonard Barry if you did not receive the brochure or if you have any questions about the contents of this supplement. - 17 - Additional information about Leonard Barry (CRD #5079562) is available on the SEC’s website at www.adviserinfo.sec.gov. Yahara Wealth Management LLC  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Founding Partner | Wealth Advisor Leonard Williams Barry, MS, CFP® • Educational Background and Business Experience Year of birth: 1975 Educational Background: • • College for Financial Planning; Personal Financial Planning; MS; 08/2007 University of Wisconsin-Madison; Classics, BA, Phi Beta Kappa; 05/1998 • Business Experience: • • • • • Yahara Wealth Management LLC; President, Founding Partner, Wealth Advisor; 09/2013 to Present East Madison Little League, Inc.; Treasurer, 11/2022 to Present SVA Plumb Wealth Management, LLC; Wealth Manager; 3/2011 to 09/2013 Wisconsin Capital Management, LLC; Wealth Manager; 06/2012 to 09/2013 SVA Wealth Management, Inc.; Associate Financial Consultant/Financial Consultant; 04/2006 to 02/2011 CUNA Mutual Group; Business Analyst; 09/2003 to 03/2006 CERTIFIED FINANCIAL PLANNERTM (CFP®): Professional Designations, Licensing & Exams: Mr. Barry obtained the CFP® certification in 2009. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. CFP® professionals are held to strict ethical standards to ensure that any financial advice and financial planning recommendations are made in the client’s best interest. They also have a responsibility to be transparent with clients regarding any material conflicts of interest, as well as how those conflicts of interest are managed. • To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee - 18 - Yahara Wealth Management LLC  • • • benefits planning, investment planning, income tax planning, retirement planning, and estate planning; Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics – Agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. • Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Code of Ethics and Standards of Conduct, to maintain competence and keep up with developments in the financial planning field; and Ethics – Renew an agreement to be bound by the Code of Ethics and Standards of Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. Disciplinary Information CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Other Business Activities None to report. Additional Compensation None to report. Supervision None to report. Mr. Barry is the Chief Compliance Officer and is responsible for all supervision. His contact information is shown on the cover page of this Brochure Supplement. - 19 - Yahara Wealth Management LLC  S U P E R V I S E D P E R S O N B R O C H U R E F O R M A D V P A R T 2 B Andrew John Crone, CFP®, CAP® Yahara Wealth Management LLC Office Address: 725 Heartland Trail Suite 205 Madison, WI 53717 Tel: 608-467-1010 Fax: 608-467-1011 andrew@yaharawealth.com www.yaharawealth.com M A R C H 1 1, 2 0 2 6 This brochure supplement provides information about Andrew Crone and supplements Yahara Wealth Management LLC’s brochure. You should have received a copy of that brochure. Please contact Leonard Barry if you did not receive the brochure or if you have any questions about the contents of this supplement. - 20 - Additional information about Andrew Crone (CRD #6666568) is available on the SEC’s website at www.adviserinfo.sec.gov. Yahara Wealth Management LLC  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Partner | Wealth Advisor Andrew John Crone, CFP®, CAP® • Educational Background and Business Experience Year of birth: 1995 • Educational Background: I scholarship athlete (wrestling); competed University of Wisconsin-Madison; Double Major: Finance, Investment and Banking – Wealth Management focus & Risk Management and Insurance; BBA; 05/2018. Division in multiple NCAA championships. • Business Experience: • • • Yahara Wealth Management LLC, Partner, Wealth Advisor, 07/2021 – Present Yahara Wealth Management LLC; Associate Wealth Advisor; 04/2018 – 06/2021 Yahara Wealth Management LLC; Wealth Management Intern; 06/2017 – 08/2017 Robert W. Baird & Co., Inc.; Private Wealth Management Intern; 06/2016 – 08/2016 CERTIFIED FINANCIAL PLANNERTM (CFP®): Professional Designations, Licensing & Exams: Mr. Crone obtained the CFP® certification in 2020. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. CFP® professionals are held to strict ethical standards to ensure that any financial advice and financial planning recommendations are made in the client’s best interest. They also have a responsibility to be transparent with clients regarding any material conflicts of interest, as well as how those conflicts of interest are managed. • To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; - 21 - Yahara Wealth Management LLC  • • • Examination – Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics – Agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. • Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Code of Ethics and Standards of Conduct, to maintain competence and keep up with developments in the financial planning field; and Ethics – Renew an agreement to be bound by the Code of Ethics and Standards of Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent CHARTERED ADVISOR IN PHILANTHROPY® (CAP®): revocation of their CFP® certification. Mr. Crone obtained the CAP® designation in 2022. The CAP® is the property of The American College of Financial Services, which reserves sole rights to its use, and is used by permission. The CAP® credential is for financial and nonprofit professionals focused on the best strategies for philanthropic planning. In addition to mastering the financial details involved in different forms of charitable giving, CAP® designees gain critical interpersonal skills needed to guide clients and donors from philanthropic aspiration to positive social impact. CAP® designees have expertise in: • • • • • • Applying the best tax strategies, tools, and techniques for charitable giving. Understanding client or donor goals for self, family, and/or society and putting together holistic financial strategies that meet those goals in the most impactful way possible. Advising wealthy families on important financial matters, including business exit planning, estate planning, and legacy planning. Handling gift-planning for nonprofits, including developing six- to eight-figure gifts from high-capacity donors. Serving Baby Boomers already over 70 and older adults who want to give back during retirement. Using financial skills and philanthropic planning to make a positive difference in communities and in the world. The American College of Financial Services is the premier educational institution dedicated to the development of financial services professionals. Graduates and designees of The American College of Financial Services have studied, passed rigorous exams, and proven - 22 - Yahara Wealth Management LLC  Disciplinary Information that they not only have the technical knowledge to serve their clients, but have sworn to practice ethically and in the best interest of the people they serve. Other Business Activities None to report. Additional Compensation None to report. Supervision None to report. Mr. Crone is supervised by Leonard Barry, President and Chief Compliance Officer. Mr. Barry may be contacted at leonard@yaharawealth.com or at the address or phone number shown on the cover page of this Brochure Supplement. - 23 - Yahara Wealth Management LLC