Disclosure

Springwater Wealth Management, LLC (“Springwater”) is an SEC registered investment adviser located in Lake Oswego, Oregon.

Springwater may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Springwater’s website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Springwater’s website on the internet should not be construed by any consumer and/or prospective client as Springwater’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by Springwater with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of Springwater’s current written disclosure Brochure and Form CRS discussing Springwater’s business operations, services, and fees is available on this website and/or from Springwater upon written request. Springwater does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Springwater’s website or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Springwater), will be profitable or equal any historical performance level(s). Neither Springwater’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if Springwater is engaged, or continues to be engaged, to provide investment advisory services. Springwater’s registration status does not imply a specific level of skill or training.

Certain portions of Springwater’s website (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Springwater (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Springwater, or from any other investment professional. Springwater is neither an attorney nor an accountant, and no portion of the website content should be interpreted as legal, accounting or tax advice.

Please Note: Limitations. Neither rankings nor recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that the client will experience a certain level of results if the investment professional or the investment professional’s firm is engaged, or continues to be engaged, to provide investment advisory services.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Springwater’s website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Springwater, or from any other investment professional.

Each client and prospective client agrees as a condition precedent to his/her/its access to Springwater’s website, to release and hold harmless Springwater, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Springwater.

Springwater Wealth Management, LLC has developed a Business Continuity Plan (BCP) as part of our ongoing contingency planning efforts to mitigate the impacts of business interruptions. Since the timing of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our BCP.

Springwater plans to quickly recover and resume business operations after a significant business disruption (SBD) and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our clients to transact business. In short, our BCP is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the SBD.

Our BCP addresses data backup and recovery; our mission-critical systems; financial and operational assessments; alternative communications with clients, staff, regulators and service providers; alternate physical locations for our staff; regulatory reporting; and assuring our clients prompt access to their funds and securities if we are unable to continue our business.

Our custodial firms back up their important records in geographically separate areas. While every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption, these firms have advised us that their objective is to restore their own operations and be able to complete existing transactions and accept new transactions and payments with minimal down-time. Your orders and requests for funds and securities could be delayed during this period.

SBDs can vary in their scope, and may affect only our firm, a single building housing our firm, the business districts where our firm is located, the cities where we are located, or whole regions. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In either situation, we plan to continue in business, transfer operations to our custodial firm if necessary, and notify you through our web site www.springwaterwealth.com or our main phone numbers regarding how to contact us. The Springwater Wealth Management, LLC office locations and telephone numbers are listed on the Springwater Wealth Management, LLC website.

In cases of an extreme disruption where you cannot access us through either of those means, you should contact our custodial firms directly for instructions on how they may provide you with prompt access to your funds and securities. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our clients’ prompt access to their funds and securities.

The Springwater BCP is reviewed at least annually and is subject to modification without notice.

In the event it becomes necessary for Springwater to execute our BCP, we will post a message on the Springwater website, www.springwaterwealth.com.

If you have questions about our business continuity planning, please email us.