NATURE OF SERVICES

TruWealth Advisors, LLC ("TruWealth Advisors") is not a registered investment advisor and does not provide investment advisory services as defined under the Investment Advisers Act of 1940 or any applicable state securities laws. All content, communications, and materials provided by TruWealth Advisors are intended solely for informational and educational purposes and do not constitute investment advice, a solicitation, or an offer to buy or sell any security or financial product.

SCOPE OF GUIDANCE

TruWealth Advisors provides individualized business financial advisory and coaching/mentoring services to its clients. Our engagements are personal and tailored in nature, addressing the unique intersection of each client's business finances and personal wealth goals. Services may include one-on-one advisory sessions, strategic business financial guidance, wealth integration planning, and ongoing coaching and mentoring relationships designed to support clients in making informed financial decisions for their businesses and personal lives.

It is important to note that while TruWealth Advisors provides individualized business financial guidance and coaching, these services are distinct from — and should not be construed as — registered investment advisory services, securities recommendations, or portfolio management. Clients seeking investment advisory services will be referred to, or engaged through, the appropriate registered advisory relationship as disclosed herein.

SEPARATE REGISTERED INVESTMENT ADVISORY RELATIONSHIP

Phillip A. Calandra, Founder and CEO of TruWealth Advisors, LLC, is separately registered as an Investment Advisor Representative (IAR) of Apella Wealth Management, LLC, a Registered Investment Advisor with the U.S. Securities and Exchange Commission (SEC). Any investment advisory services Mr. Calandra provides are rendered solely in his capacity as an IAR of Apella Wealth Management, LLC, and are governed by Apella Wealth Management's Form ADV and associated client agreements—not by TruWealth Advisors, LLC.

Full disclosure regarding Mr. Calandra's registration, affiliations, and business practices as an Investment Advisor Representative is available in Apella Wealth Management, LLC's Form ADV, which can be obtained from Mr. Calandra directly or accessed through the SEC's Investment Adviser Public Disclosure (IAPD) database at adviserinfo.sec.gov.

NO GUARANTEE OF OUTCOMES

All guidance, coaching, and advisory services provided by TruWealth Advisors are offered in good faith based on the information available at the time of engagement. Past financial results are not indicative of future outcomes. Clients are encouraged to consult with a qualified investment advisor, tax professional, or attorney before making any financial, investment, or legal decisions.

CONFLICTS OF INTEREST

Clients and prospective clients should be aware that Mr. Calandra operates in dual capacities—as Founder and CEO of TruWealth Advisors, LLC (a business financial advisory and coaching firm) and as an Investment Advisor Representative of Apella Wealth Management, LLC. These roles are distinct and separate. Where registered investment advisory services are appropriate, they will be provided exclusively through Apella Wealth Management, LLC, and subject to its regulatory disclosures.

This disclosure is subject to change. Please ensure you are reviewing the most current version. For questions regarding this disclosure or Mr. Calandra's registration status, please contact TruWealth Advisors, LLC directly.  |  Effective: May 2026