Stewardship Ridge Creek Global launched its philosophy of stewardship to provide trusted financial advice to a highly select clientele that includes individuals, families, trusts, endowments, and foundations. Long experience has shown that our capacity and desire to listen, coupled with our awareness and understanding of the intersection of behavioral and financial components of the investment process, benefits our clients. We listen to clients in an effort to understand and help articulate their vision. We understand that wealth advising is much more than financial analysis. Rather it involves a complex set of variables both financial and behavioral that are dynamic and mercurial. We combine the behavioral reality of the financial variables and incorporate that with our client’s vision. We embrace that vision, formulate a plan to build that vision, and identify the processes to measure success in obtaining that vision. We were founded to be stewards of that very personal, unique vision. Independence and Shared Interests We recognize the singular importance of independence in allowing us the latitude to be stewards with complete objectivity. Because we are entirely employee-owned, sell no investment products, nor receive compensation from sources other than our clients, we are truly independent and have become trusted stewards over the years. The firm is structured so that clients’ interests and the firm’s interests are clearly aligned. Our services are fee-based. We are only compensated by clients, work for clients, and consequently, focus on the best interests of clients. We only exist because our clients choose to trust us and we strive to honor that trust by being good stewards. Education and Value We accept and appreciate that our clients are among a select group that includes the most intelligent, insightful and well-educated. Yet, none of those characteristics necessarily imply investment knowledge. We provide ongoing education to our clients through our quarterly reviews and periodic research reports on a wide range of issues. It has been our experience that as we help educate our clients, we are more valued. We embrace knowledge, share knowledge, and have found that generosity of knowledge benefits everyone. The structure of our firm is based on service rather than new business sales, which provides us the capacity to improve the level of sophistication of advice offered to clients. We are experienced professionals providing global wealth advisory services since 1989. Kathleen K. Chapman (“Kathi”) currently owns 100% of Ridge Creek Global, Inc. (“Ridge Creek Global”). Kathi is a seasoned investment professional known for her integrity and genuine concern for clients. Kathi has broad experience in a wide range of asset classes, both private and public. She has considerable experience in wealth management issues including designing and implementing investment strategies in a variety of environments. She has worked extensively with investment committees, investment managers, attorneys, not for profit staff and trustees, and financial institutions. Prior to her career in Finance, she served in the United States Navy. Kathi is a Chartered Financial Analyst and Certified Private Wealth Advisor. William N. Chapman joined Kathleen K. Chapman at Ridge Creek Global in 2004. Bill had extensive experience as an equity research analyst for Victory Capital Management, and Kathi, founder of Ridge Creek Global, had been Director of Investments at Case Western Reserve University, and helped run a different advisory business prior to joining with Bill at Ridge Creek Global. Bill is a Chartered Financial Analyst. Alexander S. Chapman joined the firm in 2010 after graduating from the University of Richmond, Richmond, Virginia. He earned a BSBA from the E. Claiborne Robins School of Business, with a concentration in Finance. The program is highly regarded and considered to be very rigorous academically. Alex was an intern with the firm for several years. While an intern, Alex was exposed to all aspects of the firm and was instrumental in establishing and recruiting for our intern program. He continues to head the intern program . More complete biographical information is included in our Brochure Supplement, which is either delivered with this Brochure or available upon request. As your fiduciaries, we tell you the material facts about our advisory relationship, beginning in this Brochure and the Brochure Supplement. As fiduciaries, we also seek to avoid conflicts of interest with you entirely, by remaining independent of other relationships which may compromise our resolve to act solely in your best interests.

Where conflicts of interest do arise, we promptly inform affected clients and potential clients and take reasonable steps to assure that our services to you remain independent and objective. Global Wealth Advisory Service At Ridge Creek Global, we offer global wealth advisory services to individuals, families, trusts, endowments, and foundations. This service involves developing, reviewing, implementing and monitoring Investment Guidelines. Investment Guidelines are developed after we meet with you to clearly assess objectives and constraints. Implementation of the guidelines involves developing and implementing an asset allocation strategy. In doing so, we seek to tailor our advisory services to a client’s objectives and risk tolerance identified in the development of Investment Guidelines. The wealth advisory service is delivered in either a discretionary or non- discretionary manner. Discretionary authority allows us to purchase, sell, invest, reinvest, exchange, and trade the assets of the client, subject to any agreed-upon restrictions. This means we will have the authority to determine what securities and investments are to be bought or sold, the amount of transactions, and the timing of transaction s without prior consent from the client. In managing assets on a non-discretionary, we will seek your prior consent for a transaction prior to taking any action. Investment decisions are only made in relation to individual client objectives and risk tolerance levels. It is our goal to provide to you comprehensive global wealth advisory service. We address a wide range of issues that impact your quality of life. To accomplish this, we strive for complete objectivity in contemplating that advice by accepting fees only from clients and from no other sources. A range of services will usually be provided, and may include:
• An initial analysis and ongoing advice regarding your investment portfolio and associated wealth management needs;
• Creation and implementation of a written investment policy statement and/or analysis of an existing policy;
• Evaluation of your investment portfolio and development of an asset allocation strategy that meets the investment guidelines;
• Recommending and/or placing orders for transactions in various securities;
• Evaluation of current investment managers and recommendation of new managers, if necessary;
• Assessment and explanation of appropriate manager comparisons;
• Ongoing monitoring and analysis of managers;
• Implement manager liquidation, monitor and direct transfer process, if necessary;
• Asset allocation report each calendar quarter.
Through our global wealth advisory service, a broad range of assets classes may be utilized. We may utilize equities, debt instruments (i.e. corporate debt, municipal debt, and others), mutual funds, and exchange-traded funds in the recommendation of securities selection. We may also select and recommend other investment managers to manage a portion of a client’s portfolio so as to provide clients with access to a particular style or asset classes in helping clients obtain their objectives and goals. These investment managers may utilize many of the same type of securities we utilize as well as many more types of investment choices, such as options, currency futures, and derivatives, as well as different investment strategies, such as hedging strategies. We do not provide investment advice on variable or fixed annuities. We do not act as custodian of cash and securities for your account. We will assist you, if necessary, in identifying a central custodian which would serve to consolidate your assets and simplify your financial environment. We only vote proxies in those instances where we have discretion over the investments. We do not vote proxies, respond to tender offers or handle class action determinations or other similar shareholder matters for nondiscretionary clients. Should a client seek to impose limitations or restrictions on the management of their assets, we seek to accommodate those requests provided they are employment- related (i.e. sale of employer-issued securities, investing in securities of a competitor, etc.) However, if the restrictions or limitations are not employment-related, we request the client to invest that portion of their assets that will be covered by a restriction or limitation on their own or through another financial advisor. As of December 31, 2023, we managed $202,019,355 in total assets of clients consisting of $177,168,529 in assets managed on a discretionary basis and $ 24,850,826 in assets managed on a non-discretionary basis.