Sandifer Wealth Management, Inc.1 (“Sandifer Wealth Management” or “we”) was founded in 1997 by James E. Sandifer, President. Sandifer Wealth Management became a registered investment advisory firm in 2013. Mr. Sandifer and Marc Salyers, Portfolio Manager, are the principal owners of Sandifer Wealth Management. Waverly Advisors, LLC acquired Sandifer Wealth Management as of December 9, 2022. Having completed the account transfer process at the custodial level, Sandifer Wealth Management, Inc. will file a Form ADV-W to wind down the advisory business. Copies of Waverly Advisors, LLC Part 2, Form CRS and Privacy Notice are available upon request by calling (205) 871-3334. As of February 27, 2023, Sandifer Wealth Management managed $0 in assets on a discretionary basis and $0 on a non-discretionary basis. Asset Management Services We provide continuous investment advice and asset management services based on the individual needs of our clients. Through personal discussions in which goals and objectives based on your particular circumstances are established, we create and manage a portfolio based on those objectives. We will ensure that your investments are suitable for you and consistent with your investment needs, goals, objectives and risk tolerance. Account supervision is guided by your stated objectives (i.e., capital preservation, income with moderate growth, growth and income, growth, and aggressive growth, etc.). We will manage your investment portfolio on a discretionary or a non-discretionary basis. As a discretionary investment adviser, we will have the authority to supervise and direct the portfolio without prior consultation with you. Under a non-discretionary arrangement, you must be contacted prior to the execution of any trade in the account(s) under management. This can result in a delay in executing recommended trades, which could adversely affect the performance of your portfolio. This delay also normally means the affected account(s) will not be able to participate in block trades, a practice designed to enhance the execution quality, timing and/or cost for all accounts included in the block. In a non-discretionary arrangement, you retain the responsibility for the final decision on all actions taken with respect to the portfolio. Notwithstanding the foregoing, you may impose certain written restrictions on us in the management of your investment portfolios, such as prohibiting the inclusion of certain types of investments in an investment portfolio or prohibiting the sale of certain investments held in the account at the commencement of the relationship. You should note, however, that if you impose restrictions it may adversely affect the composition and performance of your investment portfolio. You should also note that your investment portfolio is treated individually by giving consideration to each purchase or sale for your account. For these and other reasons, performance of investment portfolios within the same investment objectives, goals and/or risk tolerance may differ and you should not expect that the composition or performance of your investment portfolio would necessarily be consistent with our similar clients. 1 The firm changed its name from J.E. Sandifer Financial Consultants, Inc. to Sandifer Wealth Management, Inc. in July 2020. Prior to the name change, J.E. Sandifer Financial Consultants, Inc. did business under the name of Sandifer & Associates. 6 Sandifer & Associates You are advised to promptly notify us if there are ever any changes in your financial situation or investment objectives or if you wish to impose any reasonable restrictions upon our management services. Separate Account Managers When appropriate and in accordance with your investment plan, we may recommend the use of one or more Separate Account Managers, each a “Manager.” Having access to various Managers offers a wide variety of manager

styles and offers you the opportunity to utilize more than one Manager if necessary to meet your needs and investment objectives. We will select or recommend the Manager(s) we deem most appropriate for you. Factors that we consider in recommending/selecting Managers generally include your stated investment objective(s), management style, performance, risk level, reputation, financial strength, reporting, pricing, and research. The Manager(s) will generally be granted discretionary trading authority to provide investment supervisory services for the portfolio. Under certain circumstances, we retain the authority to terminate the Manager’s relationship or to add new Managers without your specific consent. In other cases, you will ultimately select one or more Managers recommended by us. Fees paid to such Manager(s) are separate from and in addition to our fee. In any case, with respect to assets managed by a Manager, our role will be to monitor your overall financial situation, to monitor the investment approach and performance of the Manager(s), and to assist you in understanding the investments of the portfolio. Third Party Wrap Programs From time to time, we may utilize the separate account managers available in a Third-Party Wrap Program. A Wrap Program is one that charges one fee (the “wrap fee”) for both the Manager’s fee and the transaction expenses incurred by the account. Our fee is charged separately from and in addition to the wrap fee. Financial Planning We offer financial planning services, which may include a review of all aspects of your current financial situation, including the following components: cash management, risk management, insurance, education funding, goal setting, retirement planning, estate and charitable gift planning, tax planning, and capital needs planning. You should understand that when we are engaged to address only certain components, your overall financial and investment issues may not be taken into consideration. We meet with you to review risk tolerance, financial goals and objectives, and investment time horizon. Additional meetings may include a review of additional financial information, such as sources of income, assets, insurance, liabilities, wills, trusts, business agreements, tax returns, investments, and personal and family obligations. The financial plan may include both long and short-term considerations, depending upon your financial situation. Upon completion, a plan is presented to you. At this meeting, you are provided with recommendations compatible with your stated goals and objectives. An implementation schedule is reviewed with you to determine what steps will be pursued, and with whom the steps may be accomplished. You are under no obligation to utilize additional services of ours and our representatives and are under no obligation to implement the advice or plan. You may choose all, none or certain specific components of advice and recommendations and may implement the recommendations through the service providers of your choice. 7 Sandifer & Associates Retirement Account Rollovers We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. We must act in your best interest and not put our interest ahead of yours. If we recommend that you roll over your retirement plan assets into an account to be managed by us, such a recommendation creates a conflict of interest if we will earn a new (or increase our current) advisory fee because of the rollover. You are under no obligation to roll over plan assets to an IRA managed by us or to engage us to monitor and/or manage the account while maintained at your employer.