OASIS WEALTH PLANNING ADVISORS, LLC

Part 2A Form ADV: Firm Brochure Item 1 – Cover Page OASIS WEALTH PLANNING ADVISORS, LLC 600 12th Ave. S., Apt. 803 Nashville, TN 37203 Tel: (615) 933-3314 www.oasiswealthplanning.com March 25, 2025 This brochure provides information about the qualifications and business practices of Oasis Wealth Planning Advisors, LLC (“Oasis Planning”). If you have any questions about the contents of this brochure, please contact us at (615) 933-3314. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Oasis Wealth Planning Advisors, LLC (IARD # 285474) is also available on the SEC’s website at www.adviserinfo.sec.gov. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. i Oasis Wealth Planning Advisors, LLC  Item 2 – Material Changes Annual Update The Material Changes section of this brochure will be updated annually or when material changes occur since the previous release of the Firm Brochure. Material Changes since the Last Update Since the Firm’s last annual updating amendment on March 27, 2024, there have been no material changes; however, the firm has filed for registration with the Securities and Exchange Commission, which was approved in July 2024 and the firm relocated its Tampa, FL office to 8473 West Linebaugh Ave., Office 107, Tampa FL 33625. Full Brochure Available Whenever you would like to receive a complete copy of our Firm Brochure, please contact us by telephone at: 615-933-3314, or by writing to Oasis Wealth Planning Advisors, LLC, 600 12th Ave. S., Apt. 803, Nashville, TN, 37203. Brochures are provided free of charge. ii Oasis Wealth Planning Advisors, LLC  Item 3 – Table of Contents Item 1 – Cover Page ..............................................................................................................i Item 2 – Material Changes ..................................................................................................ii Item 3 – Table of Contents ................................................................................................. iii Item 4 - Advisory Business................................................................................................. 4 Item 5 – Fees and Compensation ....................................................................................... 9 Item 6 – Performance-Based Fees and Side-By-Side Management ................................ 12 Item 7 – Types of Clients .................................................................................................. 12 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................ 12 Item 9 – Disciplinary Information .................................................................................... 16 Item 10 – Other Financial Industry Activities and Affiliations ........................................ 17 Item 11 – Code of Ethics ................................................................................................... 17 Item 12 – Brokerage Practices ........................................................................................ 18 Item 13 – Review of Accounts .......................................................................................... 20 Item 14 – Client Referrals and Other Compensation ..................................................... 20 Item 15 – Custody ............................................................................................................. 21 Item 16 – Investment Discretion ...................................................................................... 21 Item 17 – Voting Client Securities .................................................................................... 22 Item 18 – Financial Information ...................................................................................... 22 iii Oasis Wealth Planning Advisors, LLC  Item 4 - Advisory Business Oasis Wealth Planning Advisors, LLC (“Oasis Planning” or “firm” or “we”), established in 2016, is owned by Stephen W. Martin and Melner R. Bond III. Oasis Planning provides fee-only wealth planning services and investment advisory services to individuals, high net worth individuals, and families. These services may be general in nature or focused on particular areas of interest or need, depending upon each client's unique circumstances. All services are tailored to a client’s particular objectives, and clients may impose reasonable restrictions on investing in certain securities or certain types of securities. Oasis Planning does not sell insurance or investment products, nor does it accept commissions because of any product recommendations. The firm does not pay referral or finder’s fees, nor does it accept such fees from other firms. As a result of a change to the Employment Retirement Income Security Act (ERISA), Oasis Wealth Planning Advisors, LLC hereby acknowledges that it is a "fiduciary" when the firm’s services are subject to the provisions of ERISA of 1974, as amended. When Oasis Wealth Planning Advisors LLC provides investment advice to you regarding your retirement plan account or individual retirement account, we are 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. The way Oasis Wealth Planning Advisors LLC makes money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. For individuals and families, Oasis Planning serves as the trusted adviser on a range of integrated wealth planning issues and the relationship with each client generally begins with an understanding of each client’s unique situation, goals, and concerns. Depending upon the needs of the client, the financial planning issues addressed by Oasis Planning for a client could include: Identification of goals and measurement of progress, Income tax preparation and planning, • • Cash flow analysis, retirement planning, and scenario modeling, • • Liability analysis, • Risk management, • Review and analysis on asset allocation, financial risk, and portfolio analysis, • Estate planning, • Business succession planning, • Executive compensation planning, • Planning for educational costs, • Guidance on personal recordkeeping and cash management, and • Consultation on other financial events and decisions that have a significant Oasis Wealth Planning Advisors, LLC 4  impact on clients’ financial situation. Oasis Planning offers advice to clients on the purchase and sale of investments, both as part of the financial planning process and on a stand-alone basis. Typical investments on which Oasis Planning provides advice include mutual funds, exchange traded funds, U.S. government securities, and variable life and annuity contracts. We may also from time to time advise clients regarding qualified and non-qualified stock options, interval funds, and limited or general interests in partnerships. We typically do not give advice on individual stocks, commodities, or futures contracts. When Oasis Planning provides investment management as a part of its services it does so using discretionary authority, Oasis Planning has the authority to determine, without obtaining specific client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. Discretionary authority allows us to act on behalf of the client in most matters necessary or incidental to the handling of the account, including monitoring certain assets, without the client’s prior approval. When a portion of a client’s assets are not designated for management by Oasis Planning (“Held Away” or “Excluded Assets”), Oasis Planning does not provide monitoring, investment management services, or implementation services for the assets in these accounts. These accounts are typically a client’s account held at an employer’s retirement plan. Oasis Planning is not responsible for the investment performance of the Held Away/Excluded Assets; rather, the client and not Oasis Planning is responsible for the monitoring and performance of these Held Away/Excluded assets. The types of engagements Oasis Planning provides include the following: Wealth Planning Service, Financial Planning Assessment, Retirement Readiness Assessment, and Financial Fitness Review. Clients are under no obligation to implement any advice given. Initial consultations are available to all potential clients for no cost or obligation. Prior to engagement, Oasis Planning and the client will enter into an agreement that details the scope of the relationship and responsibilities of both Oasis Planning and the client. There are clients (“Legacy Clients”) who work with Oasis Planning who receive services under additional engagement types that include differing fees, services, and authority (“Legacy Services”). The Legacy Services that these Legacy Clients receive are no longer on offer by Oasis Planning. Wealth Planning Service The Wealth Planning Service is designed to be an ongoing, long-term relationship. In the Wealth Planning engagement, clients work with Oasis Planning as their trusted guide in areas relating to their wealth. In a Wealth Planning engagement Oasis Planning provides an integrated service that consists of financial planning and investment management. Clients will have scheduled meetings during the initial year, depending on their individual needs and situation generally with fewer meetings once we address their initially identified Oasis Wealth Planning Advisors, LLC 5  financial planning issues. Meetings may be held face-to-face or via secure computer and telephonic links. In addition to scheduled meetings, additional face-to-face, e-mail and/or phone consultations are included at no additional charge. Services include the scheduled meetings as well as analysis, research, preparation, and developing recommendations. The amount of work that goes into a client’s integrated wealth plan will vary based on the scope of the services that the client needs and the complexity of their financial situation considering, but not limited to, such factors as the number of financial planning issues to be addressed, the type of planning needs and the extent of the services needed. Detailed asset allocation advice and recommendations are generally provided as part of this process. Clients receive investment management services as part of the Wealth Planning Service, as noted above. Oasis Planning implements asset allocation and investment strategies that are recommended to the client using discretionary authority, except for those Held Away Accounts noted above. With discretionary authority, Oasis Planning has the authority to determine, without obtaining specific client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. Discretionary authority allows us to act on behalf of the client in most matters necessary or incidental to the handling of the account, including monitoring certain assets, without the client’s prior approval. Clients will execute a Limited Power of Attorney granting Oasis Planning discretionary authority over the client accounts as well as an Investment Management Agreement that outlines the responsibilities of both the client and Oasis Planning. It is the client’s responsibility promptly to notify us of any change in their financial situation and/or investment objectives for the purpose of reviewing, evaluating, or revising previous account restrictions or firm investment recommendations. Transactions in the client’s account, account reallocations and rebalancing may trigger a taxable event, apart from IRA accounts, 403(b) accounts and other qualified retirement accounts. Tax preparation can be included in a wealth planning services engagement’s scope of work depending upon client preference and the complexity of the work. Tax preparation work performed separately from a wealth planning engagement is generally only available to dependents of clients who are engaged with Oasis Planning for wealth planning services and at the discretion of Advisor. Financial Planning Assessment and Retirement Readiness Assessment If the client has limited planning needs for which a Wealth Planning Service relationship for integrated wealth planning is not practical, they may benefit from a Financial Planning Assessment or Retirement Readiness Assessment. Assessment services are narrower in scope as compared to the Wealth Planning Service and usually focus on one or a few of the wealth planning areas listed above. The wealth planning areas included in the Financial Planning Assessment service are applicable to clients who are early- or mid-career and are many years from their expected retirement date. The wealth planning areas included in the Oasis Wealth Planning Advisors, LLC 6  Retirement Readiness Assessment service are applicable to clients who are about ten years or fewer from their expected retirement date. Assessment services include various client consultations as well as written and oral recommendations resulting from such consultations. Assessment services do not constitute an integrated wealth planning engagement and follow-up advice and/or implementation assistance are not provided as part of the Assessment services. Tax return preparation is not offered as part of the engagement for clients that choose the Financial Planning Assessment or Retirement Readiness Assessment. After hiring Oasis Planning for an Assessment, if a client wishes to upgrade to the Wealth Planning Service offering, a credit for all amounts paid under the Financial Planning Assessment or Retirement Readiness Assessment agreements will be credited towards the fees of Wealth Planning Services at the discretion of Oasis Planning and if within the time period stipulated in the agreement. Financial Fitness Review A Financial Fitness Review (“Review”) consists of a maximum two-hour meeting focused on up to three financial planning topics the client selects in advance, and this service is generally suited for individuals early in their careers. The Review is applicable to clients with limited concerns about their financial situation who seek an objective viewpoint on their choices. It usually focuses on one or more of the wealth planning areas outlined previously. Prior to the Review meeting clients will be asked to summarize their key objectives and submit in advance any pertinent financial information. The service includes the meeting and resultant written and/or oral recommendations. The Review is not an integrated wealth planning engagement and does not involve implementation of recommendations. Limited follow-up advice is provided for 30 days after the Review. Tax return preparation is not offered as part of the engagement for clients that choose the Financial Fitness Review. Retirement Rollovers – Potential for Conflict of Interest A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Oasis Planning recommends that a client roll over their retirement plan assets into an account to be managed by Oasis Planning, such a recommendation creates a conflict of interest if Oasis Planning will earn an advisory fee on the rolled over assets. No client is under any obligation to roll over retirement plan assets to an account managed by Oasis Planning. Oasis Planning’s Chief Compliance Officer, Mel Bond, remains available to address any questions that a client or Oasis Wealth Planning Advisors, LLC 7  prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. eMoney Advisor Platform Oasis Planning provides its clients with access to an online platform hosted by “eMoney Advisor” (“eMoney”). The eMoney platform allows clients to view their complete asset allocation, and provides access to other types of information, including financial planning concepts, which should not, in any manner whatsoever, be construed as services, advice, or recommendations provided by Oasis Planning. Retirement Plan Services Oasis Planning also provides advisory services to participant-directed employee retirement benefit plans (“Plan”). Oasis Planning utilizes the services of independent third-party plan administrators to provide a turnkey solution to retirement plan needs. Oasis Planning’s services may include, but are not limited to, one or more of the following: in conjunction with third party administrator, assist Client in selecting an appropriate retirement plan and provide education as to plan options and alternatives, analysis of the plan's current investment and retirement plan platform, assisting the plan in creating an investment policy statement defining the types of investments to be offered and the restrictions that may be imposed, recommending and periodically reviewing the plan's investment options, constructing model portfolios, coordinating with the plan's service providers to implement investment strategies, participant education and performance monitoring. Oasis Planning may provide discretionary services where it will select and replace the plan's investment options as necessary. The services are designed to assist plan sponsors in meeting their management and fiduciary obligations to Participants under the Employee Retirement Income Securities Act ("ERISA"). Pursuant to adopted regulations of the U.S. Department of Labor under ERISA Section 408(b)(2), Oasis Planning is required to provide the Plan's responsible plan fiduciary (the person who has the authority to engage us as an investment adviser to the Plan) with a written statement of the services Oasis Planning provides to the Plan, the compensation Oasis Planning receives for providing those services, and Oasis Planning’s status. The services Oasis Planning provides for its client’s Plan are described above and in the service agreement that Oasis Planning’s clients sign with the firm. The compensation for these services is described below, in Item 5, and in the service agreement. Oasis Planning may, with the consent of the Plan, and in accordance with Plan documents, bill any out-of- pocket expenses (such as overnight mailings, messenger, translation fees, etc.) at cost. Oasis Planning does not receive any other compensation, direct or indirect, for the services we provide to the Plan or Participants. In providing services to the Plan and Participants, Oasis Planning is not subject to any disqualifications under Section 411 of ERISA. In performing ERISA fiduciary services, Oasis Planning may act as either a nondiscretionary fiduciary or a discretionary fiduciary of the Oasis Wealth Planning Advisors, LLC 8  Plan as both are defined in Section 3(21)(A). In most cases, Oasis Planning may act as a discretionary "investment manager" of the Plan as defined in Section 3(38) under ERISA. Termination of Agreements If a client does not receive a Brochure at least 48 hours prior to entering into an advisory agreement, the client has a right to terminate the contract without penalty within five business days after entering the contract. Although investment management contemplates an ongoing agreement, the length of service is at the client’s discretion. Either party may terminate the agreement at any time upon a thirty (30) day written notice. Wrap Fee Programs Oasis Planning does not manage or place client assets into a wrap fee program. Regulatory Assets Under Management As of December 31, 2024, Oasis Planning managed approximately $212,718,889 on a discretionary basis and $55,100,559 on a non-discretionary basis for a combined total Regulatory Assets Under Management of $267,819,448. Item 5 – Fees and Compensation Oasis Wealth Planning Advisors, LLC is a fee-only firm. The firm is compensated solely by professional fees received from clients. Neither Oasis Planning nor any related person receives compensation that is contingent on the purchase or sale of a financial product. Neither Oasis Planning nor any related person accepts any sales commissions, referral fees, service fees or other forms of compensation from any third party. Fees can be negotiable; the specific fee arrangement for each client is established in the client’s written agreement with Oasis Planning. There are clients (“Legacy Clients”) who work with Oasis Planning who receive services under additional engagement types that include differing fees, services, and authority (“Legacy Services”). The Legacy Services that these Legacy Clients receive are no longer on offer by Oasis Planning. Wealth Planning Service Fees for Wealth Planning Services are determined as follows and are meant to provide flexibility in serving a range of client needs based on their stage in life. Fees are charged as a combination of a flat fee for financial planning services and a tiered fee for Investment Management Service. A client’s financial planning fee is based on several factors capturing scope and complexity of the client’s planning needs, including but not limited to the client’s tax filing status, the nature of the client’s income and assets, the complexity of the client’s personal and financial situation, the time and costs anticipated to perform client services, and the level or Oasis Wealth Planning Advisors, LLC 9  responsibility assumed by Oasis Planning. An assessment of these factors, none of which is definitive, determines the client’s appropriate service level. Since fees are based on a client’s unique situation, fees are generally not negotiable, but in certain cases fees and payments are modified for unique circumstances at the sole discretion of Oasis Planning. For the portion of the Wealth Planning fee charged for financial planning services, the initial year’s fee ranges from $3,000 to $40,000, with a renewal year fee ranging between $1,500 to $30,000. The portion of the Wealth Planning fee charged for financial planning is collected quarterly, in advance. Oasis Planning accepts payment via check, ACH, a third- party vendor or through a direct fee deduction from the assets in the account being overseen by Oasis Planning. The fee for investment management services is charged according to the following fee schedule and billed quarterly in advance based on the value of the securities Oasis Planning directly manages as of the last day of the preceding calendar quarter. The fee may be billed in arrears if requested by the client and agreed to by Oasis Planning. Investment Management Service Assets Under Management Up to $2,000,000 $2,000,000 to $4,000,000 $4,000,000 to $7,000,000 $7,000,000 to $10,000,000 $10,000,000 and up Annual Fee 0.75% 0.50% 0.35% 0.25% 0.15% Oasis Planning considers cash to be an asset class and an important part of a client’s allocation, especially when nearing or in retirement. We include cash and cash equivalents in our fee calculation, except when the client asks us to hold a specific amount of cash rather than distribute it to them. There is a minimum fee associated with this service of $10,000 annually ($2500/quarter) for clients whose combined financial planning and investment management fee do not exceed $10,000. Oasis Planning may, in its sole discretion, waive the minimum fee based on the unique circumstances of the client. For individual clients, clients may elect to have Oasis Planning’s fees deducted from their custodial accounts. For clients who pay through a deduction from their account, their agreement with Oasis Planning and the custodial/clearing agreement will authorize the custodian to debit the account for Oasis Planning’s fee and to directly remit that fee to Oasis Planning in compliance with regulatory procedures. If Oasis Planning bills the client directly, payment is due upon receipt of Oasis Planning’s invoice. Oasis Planning accepts payment directly via a third-party vendor. When tax return preparation is provided as part of the Wealth Planning Service, the Oasis Wealth Planning Advisors, LLC 10  minimum fee for a client’s tax return preparation is $400 with higher fees for more complex tax situations. A minimum fee of $300 is assessed for each amended tax return prepared, if applicable. Tax returns prepared for dependents of the client are subject to the minimum fees stated above. The first payment is due upon execution of the engagement agreement. Oasis charges a pro-rated portion of the initial quarter’s fee based on how many days are left in the quarter from the date of the engagement agreement if the engagement begins on a day other than the start of a calendar quarter. Partial quarters will be charged a pro-rated fee in advance according to the total number of days based on the initial account value. If advisory services are terminated, Oasis Planning will issue a pro-rated refund of any prepaid, unearned fees for the quarter. Oasis Planning, in its sole discretion, will accept payments at more frequent intervals (e.g., monthly) based on client circumstances and will document that arrangement in the client’s agreement. Oasis Planning does not accept prepayments of $1,200.00 or more six (6) months or more in advance. Financial Planning Assessment and Retirement Readiness Assessment Oasis Planning charges a flat fee for this service depending on the client’s financial situation, the complexity of the project, and the estimated amount of time required to complete the Assessment. Since fees are based on a client’s unique situation, fees are generally not negotiable, but in certain cases fees and payments are modified for unique circumstances at the sole discretion of Oasis Planning. Fees are due at the beginning of the engagement. At Oasis Planning’s discretion, fees may be paid one-half due at the beginning of the engagement and the remainder upon completion of the Assessment. Financial Fitness Review The Financial Fitness Review fee is between $1,200 to $3,000, based on the complexity of the client’s situation. It is a one-time fee due at the beginning of the engagement. At Oasis Planning’s discretion, fees may be paid with one-half due at the beginning of the engagement and the remainder upon completion. Hourly Rates In some limited circumstances, Oasis Planning will charge an hourly fee instead of a flat fee, as agreed to and set in writing with the client. Professional services are billed at $400 per hour and administrative services are billed at $200 per hour. Such fees are billed in 6- minute increments (1/10th of an hour). Oasis Planning may require a deposit for hourly engagements in the amount of the lesser of $500 or one-half of the total estimated fee. Other Fees That May Be Incurred by The Client Fees charged by Oasis Planning do not cover brokerage commissions, transaction fees, or Oasis Wealth Planning Advisors, LLC 11  other related expenses that are incurred by the client in the implementation of Oasis Planning’s investment advisory services. Clients will incur certain other charges imposed by third parties, such as management fees, custodial fees, deferred sales charges, transfer taxes, wire transfer and electronic fund fees, account closure fees, and other fees and taxes on their accounts and transactions. Mutual funds and exchange-traded funds also charge internal management fees, which are disclosed in each fund’s prospectus. All such expenses are borne directly by the client. Oasis Planning does not receive any portion of these fees and expenses. Retirement Plan Services Fees for retirement plan services are generally based on plan size and services rendered. Fees generally range from 0.30% to 0.70% of assets based on level of service and may also include a flat fee. Fees are quoted on a case-by-case basis and may be negotiable in certain circumstances. Fees are generally due quarterly either in advance or in arrears, but the typical arrangement is in advance. Fees can sometimes be deducted directly from the plan, but clients may elect to instead pay fees by check or wire transfer. Services may be terminated upon thirty (30) days written notice by client, and fees for partial periods will be prorated. Any payments made in advance will be prorated and refunded to the client. All fees paid to Oasis Planning are separate and unrelated to any fees or expenses assessed by mutual funds, exchange traded funds, outside investment managers, custodians, or other third parties. Fees are generally not negotiable, but in certain cases fees and payments may be modified to match unique circumstances at the sole discretion of Oasis Planning. Item 6 – Performance-Based Fees and Side-By-Side Management Oasis Planning does not charge any performance-based fees (fees based on a share of capital gains on, or capital appreciation of, the assets of a client), and therefore does not engage in side-by-side management. Item 7 – Types of Clients Oasis Planning provides financial planning and investment advisory services to individuals, families, and business owners. Oasis Planning strives to work with a diverse clientele. There is no minimum net worth or asset level requirement; however, Oasis Planning may impose a minimum fee for services as described in Item 5 above. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Oasis Planning approaches investment portfolio analysis based on internal factors such as the client’s age, tax attributes, overall risk tolerance, current financial situation and the client’s personal goals and aspirations. After identifying these factors, an asset allocation is recommended around the client’s individual needs. The client’s recommended asset allocation may include these asset classes: cash, fixed Oasis Wealth Planning Advisors, LLC 12  income, and equity. Oasis Planning does not typically recommend Alternative Assets but may do so if the client prefers it or if their portfolio might benefit from an allocation to this asset class. Equity allocations may include real estate or private equity. The primary investment strategy used on client accounts is strategic asset allocation utilizing both passively managed funds and actively managed no-load mutual funds and exchange traded funds while providing for global diversification. Oasis Planning recommends primarily no-load mutual funds, interval funds, exchange traded funds, U.S. government securities, US Saving Bonds, money market funds and certificates of deposit. However, while providing investment advice to the client, Oasis Planning may address issues related to other types of assets that the client may already own. Oasis Planning may discuss other products that may be appropriate for the client, based on the client’s goals, needs and objectives. These other products may include corporate bonds, municipal bonds, savings accounts, interval funds, and other investable securities. Investing in securities of any kind involves risk of loss. All clients must be prepared to bear this risk. While Oasis Planning will use its best judgment and good faith efforts in rendering services to each client, not every investment decision or recommendation made by Oasis Planning will be profitable. Oasis Planning cannot warrant or guarantee any level of account performance, or that any account will be profitable over time. Clients assume all investment risk involved and must understand that investment decisions are subject to various types of risks, including market, inflation, country/ political, currency, interest rate, credit, liquidity, business, and financial risks, many of which are noted below. The risks associated with investment in specific funds are disclosed in each fund’s prospectus or other offering document, which clients should review carefully before investing. Material Risks. Oasis Planning believes its strategies and investment recommendations are designed to produce the appropriate potential return for the given level of risk; however, there is no guarantee that an investment objective or planning goal will be achieved. Each client must be able to bear the risk of loss that is associated with their account, which may include the loss of some of or their entire principal. We have offered examples of such risk in the following paragraphs, and we believe it is important that you review and consider each of them prior to investing. Company Risk. When investing in securities, such as stocks, there is always a certain level of company or industry-specific risk that is inherent in each company or issuer. There is the risk that the company will perform poorly or have its value reduced based on factors specific to the company or its industry. Strategic Asset Allocation Strategies. Strategies involving strategic asset allocation investing may have the potential to be affected by “active risk” (or “tracking error risk”), which might be defined as a deviation from a stated benchmark. Since the core portfolio Oasis Wealth Planning Advisors, LLC 13  attempts to closely replicate a stated benchmark, the source of the tracking error or deviation may come from a satellite portfolio or position, or from a “sample” or “optimized” index fund or ETF that may not as closely align the stated benchmark. In these instances, a portfolio manager may choose to reduce the weighting of a satellite holding or use a “replicate index” position as part of its core holdings to minimize the effects of the tracking error in relation to the overall portfolio. Failure to Implement. As a financial planning client, you are free to accept or reject any or all the recommendations made to you. While no advisory firm can guarantee future performance, no plan can succeed if it is not implemented. Clients who choose not to take the steps recommended in their financial plan may face an increased risk that their stated goals and objectives will not be achieved. Financial Risk. Excessive borrowing to finance a business operation increases profitability risk because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. Fundamental Analysis Risk. The challenge involving fundamental analyses is that information obtained may be incorrect; the analysis may not provide an accurate estimate of earnings, which may be the basis for a security’s value. If a security’s price adjusts rapidly to new information, a fundamental analysis may result in unfavorable performance. This risk can be mitigated through diversification so that a portfolio is not significantly impacted by the performance of any single security. Inflation Risk. When any type of inflation is present, a dollar today will not buy as much as a dollar next year because purchasing power is eroding at the rate of inflation. Management Risk. An investment with a firm varies with the success and failure of its investment strategies, research, analysis, and determination of its portfolio. If an investment strategy were not to produce expected returns, the value of the investment would decrease. Market Risk. When the stock market as a whole, or an industry as a whole falls, it can cause the prices of individual stocks to fall indiscriminately. This is also called systemic or systematic risk. Passive Markets Theory. A portfolio that employs a passive, efficient markets approach has the risk of generating lower-than expected returns due to its broad diversification when compared to a portfolio more narrowly focused; the return on each type of asset is a deviation from the average return for the asset class. We believe this variance from the “expected return” is generally low under normal market conditions when a portfolio is made up of diverse, low, or non-correlated assets. Oasis Wealth Planning Advisors, LLC 14  Research Data. When research and analyses are based on commercially available software, rating services, general market and financial information, or due diligence reviews, a firm is relying on the accuracy and validity of the information or capabilities provided by selected vendors, rating services, market data, and the issuers themselves. While our firm makes every effort to determine the accuracy of the information received, we cannot predict the outcome of events or actions taken or not taken, or the validity of all information researched or provided which may or may not affect the advice on or investment management of an account. Socially Conscious Investing. If you require your portfolio to be invested according to socially conscious principles, you should note that returns on investments of this type may be limited and because of this limitation you may not be able to be as well diversified among various asset classes. The number of publicly traded companies that meet socially conscious investment parameters is also limited, and due to this limitation, there is a probability of similarity or overlap of holdings, especially among socially conscious mutual funds or ETFs. Therefore, there could be a more pronounced positive or negative impact on a socially conscious portfolio, which could be more volatile than a fully diversified portfolio. Security-Specific Material Risks ETF and Mutual Fund Risk. The risk of owning ETFs and mutual funds reflect their underlying securities (e.g., stocks, bonds, etc.). ETFs and mutual funds also carry additional expenses based on their share of operating expenses and certain brokerage fees, which may result in the potential duplication of certain fees. Certain funds may be too large to move quickly in response to market fluctuations, meaning that investors may miss out on gains or be exposed to losses for a longer time than if they were in a more nimble portfolio. Liquidity Risk of Interval Funds. Some mutual funds and exchange traded funds hold positions in securities with limited liquidity. For example, a bond fund may own bonds purchased at a significant discount because the terms of the bonds restrict the ability to sell the bonds before a specific date. As another example, a mutual fund may invest in illiquid assets such as real estate via limited partnerships. Because these funds own underlying assets that are somewhat illiquid, they restrict the investors’ ability to sell the funds. Typically, the funds allow a small percentage of the fund to be liquidated quarterly. These funds are referred to as ‘interval funds’ because they allow fund shares to be sold in limited quantities at specific intervals. Oasis Planning may occasionally recommend a small allocation to interval funds if the client’s portfolio contains sufficient liquidity in other holdings. Index Investing. Investment vehicles such as certain exchange traded funds and indexed mutual funds have the potential to be affected by “tracking error risk” (or “active risk”) which occurs when the performance of the fund deviates from that of its stated benchmark. QDI Ratios. While many ETFs and index mutual funds are known for their potential tax- Oasis Wealth Planning Advisors, LLC 15  efficiency and higher “qualified dividend income” (QDI) percentages, there are asset classes within these investment vehicles or holding periods within that may not benefit. Shorter holding periods, as well as commodities and currencies (that may be part of an ETF or mutual fund portfolio), may be considered “non-qualified” under certain tax code provisions. A holding’s QDI will be considered when tax-efficiency is an important aspect of the client’s portfolio. Fixed Income Risks. Various forms of fixed income instruments, such as bonds, money market funds or bond funds may be affected by various forms of risk, some of which are listed below. Credit Risk. The potential risk that an issuer would be unable to pay scheduled interest or repay principal at maturity, sometimes referred to as “default risk.” Credit risk may also occur when an issuer’s ability to make payments of principal and interest when due is interrupted. This may result in a negative impact on all forms of debt instruments, as well as funds or ETF share values that hold these issues. Bondholders are creditors of an issuer and typically have priority to assets before equity holders (i.e., stockholders) when receiving a payout from liquidation or restructuring. When defaults occur due to bankruptcy, the type of bond held will determine seniority of payment. Duration Risk. Duration is a measure of a bond’s volatility, expressed in years to be repaid by its internal cash flow (interest payments). Bonds with longer durations carry more risk and have higher price volatility than bonds with shorter durations. Interest Rate Risk. The change in price of a fixed income security is inversely related to the change in market interest rates. Interest rate risk is the risk that the value of the fixed income holding will decrease because of an increase in interest rates. Liquidity Risk. The inability to readily buy or sell an investment for a price close to the true underlying value of the asset due to a lack of buyers or sellers, or the terms of the prospectus, is often called “liquidity risk.” While certain types of fixed income are generally liquid (i.e. Treasury bonds or investment grade corporate bonds), there are risks which may occur such as when an issue trading in any given period does not readily support buys and sells at an efficient price. Conversely, when demand for a particular security is high, there is also a risk of not being able to purchase that security at the desired price. Reinvestment Risk. With declining interest rates, investors may have to reinvest interest at a lower rate. Callable bonds may be called earlier than maturity, leading to earlier than expected return of principal, which will be reinvested at a lower rate. Item 9 – Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to the client’s evaluation of Oasis Planning or the integrity of Oasis Planning’s management. Oasis Planning has no information to disclose Oasis Wealth Planning Advisors, LLC 16  applicable to this item. Item 10 – Other Financial Industry Activities and Affiliations Neither Oasis Planning nor any of its management persons are registered or have an application pending to register, as a broker-dealer or a registered representative of a broker-dealer. Neither Oasis Planning nor any of its management persons is registered or applying to become registered as a futures commission merchant, commodity pool operator, a commodity trading advisor, or an associated person of such. Oasis Planning has Legacy Clients that have engagements with an independent manager for investment management services. Oasis has these relationships in place to continue servicing these clients but does not currently recommend or use any independent manager. Oasis Planning has an arrangement with Wealthramp, Inc., an SEC registered investment adviser, whereby Oasis Planning will compensate Wealthramp with a portion of our advisory fee for referral of a person who becomes a client of Oasis Planning for as long as the client relationship with Oasis Planning exists. This arrangement does not result in a higher cost for clients. Melvin Spain also works for the accounting firm Spain & Higginbotham CPA Group, PLLC.; this represents a conflict in that clients who need accounting work performed may be referred to or may choose to work with the accounting firm associated with Mr. Spain. Mitigating this conflict is the fact that clients are under no obligation to work with any accounting firm recommended by the firm, that the client’s choice of an account is their own, and that any recommendation by the firm or any of its associated person is always made in the best interest of the client. Item 11 – Code of Ethics As a fiduciary, Oasis Planning has a duty of utmost good faith to act solely in the best interests of its clients. Oasis Planning seeks to avoid material conflicts of interest. Accordingly, neither Oasis Planning nor its investment adviser representatives nor its team members receive any third party direct monetary compensation (i.e., commissions, 12b-1 fees, or other fees) from brokerage firms (custodians) or mutual fund companies. Oasis Planning believes that its business methodologies, ethics rules, and adopted policies are appropriate to eliminate, or at least minimize, potential material conflicts of interest, and to appropriately manage any material conflicts of interest that may remain. However, clients should be aware that no set of rules can possibly anticipate or relieve all potential Oasis Wealth Planning Advisors, LLC 17  material conflicts of interest. In any event, Oasis Planning will disclose to clients any material conflict of interest relating to Oasis Planning, its representatives, or any of its employees which could reasonably be expected to impair the rendering of unbiased and objective advice. We have adopted a Code of Ethics to which all investment adviser representatives and employees are bound to adhere. The Code of Ethics is available for review by clients and prospective clients upon request. The Code of Ethics includes provisions relating to our fiduciary duty to our clients, striving to achieve our independence and objectivity for our clients, the confidentiality of client information, a prohibition on insider trading, restrictions on the acceptance of significant gifts and the reporting of certain gifts and business entertainment items, and personal securities trading procedures, among other things. All supervised persons must acknowledge the terms of the Code of Ethics annually, or as amended. Participation or Interest in Client Transactions and Personal Trading Oasis Planning may buy and/or sell securities also recommended to clients but does not purchase or sell the same securities in which Oasis Planning has a material interest. Oasis Planning does not have a material interest in any securities traded in client accounts. Transactions typically include broadly traded mutual funds, exchange traded funds, stocks, bonds, and similar investments where personal ownership is not likely to present a conflict of interest. Oasis Planning does not act as principal in any transactions. Oasis Planning will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). In addition, the Advisor does not act as the general partner of a fund or advise an investment company. Employees may not trade their own securities ahead of client trades. Oasis Planning further prohibits the use of material non-public information and protects the confidentiality of client information. All individuals must act in accordance with all applicable Federal and State regulations governing registered investment advisory practices. Any individual not in observance of the above may be subject to disciplinary action. – Brokerage Practices Item 12 Recommendations of Custodians We recommend to our clients a broker-dealer/ custodians for their account. Clients are not obligated to effect transactions through any broker-dealer we recommended. When recommending a broker-dealer we will comply with our fiduciary duty to obtain best execution and with the Securities Exchange Act of 1934, and will take into account such relevant factors as: Oasis Wealth Planning Advisors, LLC 18  • Cost to the client • The broker-dealer’s facilities, reliability, and financial responsibility • The ability of the broker-dealer to effect transactions, particularly with regard to such aspects as timing, order size and execution of order • The research and related brokerage services provided by such broker or dealer to us, notwithstanding that the account may not be the direct or exclusive beneficiary of such services • Any other factors we consider to be relevant No commission or any part thereof will be received by, or shall otherwise benefit, us or any related person. We typically use no broker research because of any client account at any broker. We have not received client referrals from a broker, and if we received any client referrals from a broker in the future, we provide no compensation or quid pro quo of any kind to any such broker. Our fees are not split or shared with any entity. Clients may decline to implement any advice rendered by Oasis Planning, including the recommendation of a broker-dealer, however clients should understand that if they direct brokerage Oasis Planning may not ensure best execution in their account Oasis Planning will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. Soft Dollars Although not a material consideration when determining whether to recommend that a client utilize the services of a particular broker-dealer or custodian, Oasis Planning may receive from these custodians without cost (and/or at a discount) support services and/or products, certain of which assist us to better monitor and service client accounts maintained at such institutions. Included within the support services that may be obtained by us may be investment-related research, pricing information and market data, software and other technology that provide access to client account data, compliance and/or practice management-related publications, discounted and/or gratis consulting services, discounted and/or gratis attendance at conferences, meetings, and other educational and/or social events, marketing support, computer hardware and/or software, and/or other products used by Oasis Planning in furtherance of its investment supervisory business operations. Certain support services and/or products that may be received may assist Oasis Planning in managing and administering client accounts. Others do not directly provide such assistance but rather assist us to manage and further develop our business enterprise. Oasis Planning’s clients do not pay more for investment transactions effected and/or assets maintained at a recommended custodian. There is no corresponding commitment made by us to any recommended custodian, or any other entity to invest any specific amount or percentage of client assets in any specific mutual funds, securities, or other investment Oasis Wealth Planning Advisors, LLC 19  products as result of the above arrangement. Brokerage Referrals Oasis Planning is not affiliated with the brokerage firms. The brokers do not supervise Oasis Planning, its agents, or activities. Aggregating and Allocating Trades Oasis Planning does not aggregate a client’s trades with other clients. Item 13 – Review of Accounts For clients receiving ongoing wealth planning services, Oasis Planning, through its Investment Adviser Representatives, Melvin Bond, Stephen Martin, Scott Winkler, Melvin Spain, and Brandon Seibel are responsible for reviewing and assessing financial recommendations made to the client. For the Wealth Planning Service, the client’s financial situation will be reviewed as part of the initial year of service, and will be reviewed at least annually thereafter, if they continue to renew their agreement for such a service with Oasis Planning. Factors triggering a review can include significant changes in the client’s financial condition, changes in tax law, new investment information, changes in recommended investment vehicles, and significant economic developments. The client must notify Oasis Planning promptly of any changes to their financial goals, objectives, or financial situation. Oasis Planning will review the changes to determine whether any changes are needed to the client’s portfolio allocation, asset location, and investment vehicles. For Financial Planning Assessments, Retirement Readiness Assessments, and Financial Fitness Reviews, the client’s financial situation will be reviewed as part of the limited- term engagement. The client’s financial situation will not be reviewed again unless they agree to another Assessment or Review, or switch to the Wealth Planning Service. These clients will not receive regular reviews or reports other than the initial analysis. Item 14 – Client Referrals and Other Compensation Oasis Planning is a fee-only financial planning firm and does not sell insurance or investment products, nor does it accept commissions because of any product recommendations. Oasis Wealth Planning Advisors, LLC has an arrangement with Wealthramp, Inc., an SEC registered investment adviser, whereby Oasis Planning will compensate Wealthramp with a portion of our advisory fee for referral of a person who becomes a client of Oasis Planning for as long as the client relationship with Oasis Planning exists. This arrangement does not result in a higher cost for our clients, and Wealthramp does not provide investment Oasis Wealth Planning Advisors, LLC 20  advisory services to any client of Oasis Planning. We maintain this arrangement in accordance with applicable state and federal laws and regulations. Oasis Planning is grateful and honored by the client referrals it receives. These referrals are our most valuable method of client development. Item 15 – Custody All securities will be held by an independent qualified custodian. The custodian will provide the client with trade confirmations of all transactions occurring in the client’s account. The client will receive written or electronic confirmation from the client’s custodian after any changes are made to the client’s account. The client will also receive statements at least quarterly from the account custodian. Because Oasis Planning may debit its fee directly from a custodial account this can be construed as having custody; however, Oasis Planning utilizes safeguards to prevent the firm from being considered as having custody and subject to the additional accounting requirements of an adviser with custody. The Client will first provide written authorization allowing for the direct debiting of Oasis Planning's fee from their account. Each time the fee is debited from the account, Oasis Planning sends the client an invoice or billing calculation and simultaneously notifies the custodian of the fee to be deducted. Clients will receive, at least quarterly, statements from the qualified custodian that holds and maintains clients’ investment assets. The custodian's account statement will provide a list of all assets held in the account, asset values, and all transactions affecting the account assets, including any additions or withdrawals. Oasis Planning is not affiliated with any custodian. The custodians do not supervise Oasis Planning, its agents, or its activities. Item 16 – Investment Discretion Oasis Planning accepts discretionary authority to manage security accounts on behalf of clients. Oasis Planning has the authority to determine, without obtaining specific client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. Discretionary authority allows us to act on behalf of the client in most matters necessary or incidental to the handling of the account, including monitoring certain assets, without the client’s prior approval. There are Legacy Clients whose accounts are managed in a non-discretionary manner, restricting any or all transactions to occur until following the client’s approval, Oasis Planning may require a higher fee due to the additional service requirements in support of the client’s account. The client should also be aware that under this type of engagement, since we must be granted the client’s approval prior to implementing an investment Oasis Wealth Planning Advisors, LLC 21  decision, the client must make him- or herself available and keep our firm apprised of the client’s current contact information so that transaction instructions can be efficiently effected on the client’s behalf. Oasis Planning requires all account restrictions, limitations, and rescissions to be made in writing by our clients and approved in writing by the firm principal. Oasis Planning will maintain a record of these requests and they will be retained per regulation. Item 17 – Voting Client Securities As a matter of firm policy and practice, Oasis Planning does not have any authority to and does not vote proxies on behalf of clients. It is the responsibility of the client to vote such proxies. Clients retain the responsibility for receiving their proxies or other solicitations directly from their custodian or a transfer agent. At the request of the client, Oasis Planning may provide advice to clients regarding the clients’ voting of proxies. impairs Item 18 – Financial Information Registered Investment Advisers are required to provide the client with certain financial information or disclosures about Oasis Planning’s financial condition. Oasis Planning has no financial commitment that its ability to meet contractual and fiduciary commitments to clients and has not been the subject of a bankruptcy proceeding. Oasis Planning will not require the client to prepay $1,200 or more six (6) or more months in advance of receiving services. Oasis Wealth Planning Advisors, LLC 22