Addressing what happens to your financial plan if we’re unable to continue serving as your advisor.

One important conversation involves what happens to your financial plan if we’re no longer able to serve as your advisor. Whether due to retirement, health issues, or other unforeseen circumstances, we work to address continuity considerations that may affect your financial planning.

At Saltiel Wealth Management, we’ve partnered with Ausdal Financial Partners, Inc., a registered investment adviser with a network of professionals, to address continuity planning for your financial planning and investment management. This partnership aims to provide continuity structure while we serve as your advisor.

As independent advisors in Sarasota, Florida, working with clients on tax planning, risk management, and comprehensive financial planning for high-income professionals, small business owners, retirees, and high-net-worth families, we understand that the strategies we develop together are designed to work over extended periods. We work to address potential disruptions to your financial planning.

Our boutique, home-based practice provides personalized attention, and it’s supported by the continuity planning structure that Ausdal Financial Partners provides. This approach aims to combine personal service with professional continuity planning.

Important: No continuity plan can guarantee specific outcomes or eliminate all potential disruptions to financial planning services.

Your investments at Charles Schwab, your tax planning strategies, your estate planning coordination, and your overall financial plan are designed to continue, though transitions may involve various considerations and potential disruptions.

Our Partnership with Ausdal Financial Partners

Professional Infrastructure with Personal Service

Ausdal Financial Partners, Inc., based in Davenport, Iowa, serves as the registered investment adviser for our practice. This partnership aims to provide regulatory framework and professional infrastructure to address continuity planning, while allowing us to maintain personalized service.

What May Happen During a Transition

Service Continuity Planning

If we’re unable to continue serving as your advisor, Ausdal Financial Partners has established procedures that aim to address continuity of your financial planning:

Account Security Considerations:

• Your Charles Schwab accounts may remain accessible according to custody agreements • Automatic investments, withdrawals, and scheduled transactions may continue according to existing instructions

• Portfolio and financial plan monitoring may continue through available resources

Advisor Transition Support:

• Access to Ausdal’s network of advisors when available

• Matching efforts based on your specific needs and planning requirements

• Coordination to maintain your tax planning strategies and risk management approaches when possible

Service Continuity Efforts:

• Work to preserve your investment policy statement and financial plan

• Efforts to maintain specialized strategies like 1031 exchanges* or alternative investments* when possible

• Ongoing coordination with your tax and legal professionals when feasible

Important: Transition processes may vary based on circumstances, regulatory requirements, and available resources. No transition can be guaranteed to be seamless or without potential disruptions.

You Maintain Decision-Making Control

Information Sharing with Your Consent: If we transition to another firm, Ausdal may share necessary client information to help facilitate account transfers, but only with appropriate consent and in compliance with privacy laws.

Opt-Out Options: You can opt out of information sharing by contacting Ausdal in writing. In some states, your affirmative consent is required before any information is shared.

Your Choice of Advisor: While Ausdal may recommend advisors, the ultimate decision about who serves as your new advisor is yours. You’re not required to work with any specific person or firm.

Alternative Options: If you prefer to work with an advisor outside the Ausdal network, they may assist with the transition to your chosen professional, subject to regulatory and practical limitations.

Working to Address Disruptions to Your Financial Strategies

Tax Strategy Considerations: We work to help continue your tax planning strategies when possible. This may help avoid forced liquidations that could trigger unexpected taxes, and may support continued coordination of strategies like Roth conversions or tax-loss harvesting.

Investment Management Continuity: Your Charles Schwab accounts and investment strategies may remain intact. Alternative investments*, asset allocation strategies, and rebalancing protocols may continue according to existing guidelines when possible.

Specialized Strategy Maintenance: Complex strategies like 1031 exchanges*, business succession planning, or estate coordination may continue with advisors who understand these approaches, when available and appropriate.

Professional Relationship Coordination: Coordination with your existing tax professionals, attorneys, and other advisors may continue when feasible, working to maintain team coordination in your financial planning.

Important: Continuity of specific strategies depends on various factors including advisor availability, expertise, and regulatory requirements. No specific outcomes can be guaranteed.

Access to Professional Advisors

Professional Standards: Advisors recommended through this process work to maintain professional standards in serving clients, though individual approaches may vary.

Area Expertise: Advisor recommendations may focus on professionals with experience serving clients with similar needs: high-income professionals, business owners, retirees, and high-net-worth families, when available.

Experience Considerations: Recommendations may focus on advisors with experience in areas like tax planning, alternative investments*, and comprehensive financial planning, subject to availability.

Service Approach: Efforts may be made to match you with advisors who have similar approaches to client service, transparency, and client relationship management.

Important: Advisor availability, expertise, and approach may vary significantly. No specific advisor characteristics or outcomes can be guaranteed.

When You Need Assistance

Ausdal Financial Partners, Inc.

Phone: (563) 326-2064

Address: 5187 Utica Ridge Road, Davenport, IA 52807

When to Contact Ausdal Directly:

• If you need assistance and cannot reach us

• For questions about transition procedures or timelines

• To exercise your opt-out rights regarding information sharing

• For help identifying alternative advisors if needed

What Ausdal May Be Able to Provide:

• Account access and security verification assistance

• Coordination with Charles Schwab for account management when possible

• Referrals to qualified advisors when available

• Assistance with regulatory and compliance matters during transitions when feasible

Important: Support capabilities may vary based on circumstances, regulatory requirements, and available resources.

What specific events would trigger this continuity plan? The plan may activate if we’re unable to continue serving as your advisor due to retirement, illness, disability, or other circumstances that prevent us from maintaining our practice. We aim to provide advance notice when possible, but the plan addresses unexpected situations as well.

How does this address my tax planning strategies? By working to provide continuity of professional management, we aim to help avoid forced liquidations or strategy disruptions that could trigger unnecessary taxes. Your potential new advisor may understand and work to continue strategies like tax-loss harvesting and coordination with your tax professional.

Will I have a choice in who becomes my new advisor? Yes. While Ausdal may recommend professionals, the final decision is yours. You can choose to work with a recommended advisor, find your own, or decide to manage your accounts independently.

Are there additional costs associated with this continuity planning? Typically, no additional costs for the continuity planning itself. Any new advisor would operate under their own fee structure, which you would agree to separately.

How quickly can transitions be completed? The timeline depends on specific circumstances, but the goal is to work toward continued service. Account access and monitoring may continue according to existing arrangements, while full advisor transitions may take time to complete properly.

What happens to my alternative investments* or complex strategies? These may be preserved and transferred to advisors who have expertise to continue managing them when available and appropriate. The complexity of your planning may be a factor in advisor recommendations.

Can I still work with my existing tax professional and attorney? Yes. Continuity planning may include maintaining coordination with your existing professional team when possible. Your potential new advisor may work with the same tax and legal professionals you currently use.

Addressing Uncertainty in Financial Planning

Considerations for Different Client Types:

For High-Income Professionals: Your tax planning strategies and career transition planning may continue when possible, working to support your wealth accumulation goals.

For Small Business Owners: Business succession planning, retirement strategies, and risk management may continue with advisors who understand business ownership complexities, when available.

For Retirees: Income strategies, required minimum distribution planning, healthcare cost management, and estate planning may continue when feasible.

For High-Net-Worth Families: Sophisticated strategies involving alternative investments*, estate planning, and wealth transfer may continue with qualified professionals when available and appropriate.

Important: Continuity of specific strategies depends on advisor availability, expertise, regulatory requirements, and individual circumstances. Results may vary significantly.

Planning for Various Possibilities

As your advisors, we work to address our responsibility for continuity planning in your financial plan. This business continuity planning represents our approach to your long-term planning and financial considerations.

We aim to serve as your advisors for an extended period, but if circumstances prevent that, we work to address continuity so you may have planning support and your strategies may continue when possible.

Important: Continuity planning cannot guarantee specific outcomes, eliminate all potential disruptions, or ensure seamless transitions. Individual circumstances may vary significantly.

If you have questions about our business continuity planning or want to discuss how it may affect your specific situation, please contact us at (941) 867-7572.

Important Business Continuity Disclosures

*Alternative investments involve substantial risk, may be illiquid, and are not suitable for all investors. Investors should carefully review offering documents and assess personal risk tolerance before considering such investments. 1031 exchanges involve complex tax and legal considerations; consult qualified professionals before proceeding. See disclosures in footer for additional information.

No Guarantee of Continuity Outcomes: Business continuity planning cannot guarantee specific outcomes, seamless transitions, or elimination of all potential disruptions to financial planning services. Actual continuity experiences may vary significantly based on circumstances, regulatory requirements, and available resources.

Transition Limitations: Advisor transitions involve numerous variables including advisor availability, expertise matching, client preferences, regulatory requirements, and practical considerations. No specific transition timeline, advisor characteristics, or service quality can be guaranteed.

Third-Party Dependencies: Our continuity plan depends on the continued operation and cooperation of third parties including Ausdal Financial Partners, Charles Schwab, and other service providers. We cannot control or guarantee the performance, availability, or policies of these third parties.

Regulatory and Legal Limitations: Business continuity procedures are subject to securities regulations, state laws, privacy requirements, and other legal constraints that may affect information sharing, advisor recommendations, and transition processes.

Strategy Continuity Risks: While we work to provide continuity for financial planning strategies, complex strategies involving alternative investments, tax planning, estate planning, and business succession may be subject to disruption, modification, or discontinuation during advisor transitions.

Individual Circumstances: Continuity planning effectiveness varies significantly based on individual client circumstances including account size, strategy complexity, geographic location, regulatory requirements, and personal preferences.

Technology and System Dependencies: Continuity of services depends on technology systems, internet connectivity, and electronic access that may experience outages, security issues, or other disruptions beyond our control.

Professional Availability: Advisor recommendations depend on the availability of qualified professionals with appropriate expertise, licensing, and capacity to serve new clients. Suitable advisors may not always be available in all geographic areas or for all types of financial planning needs.

Cost and Fee Considerations: While continuity planning itself typically does not involve additional costs, transitions to new advisors may involve different fee structures, minimum account requirements, or other cost considerations that could affect the overall cost of financial services.

Communication and Notification: While we aim to provide advance notice of practice changes when possible, some circumstances may not allow for extended notice periods. Communication during transitions may be subject to regulatory restrictions and practical limitations.

Alternative Arrangements: Clients always retain the right to make alternative arrangements for their financial planning and investment management, including transferring to advisors outside recommended networks or managing accounts independently.