Required Notice to Clients

Disclosure of updates to our ADV

Hello Megan,

Annually, regulatory requirements mandate us to provide a summary of material changes made to our disclosure brochures, Form ADV Part 2A, and Form CRS. These brochures furnish important information about Watercolor Financial, and a copy was previously furnished to you upon the engagement of our advisory services.

Over the past year, we have implemented the following material changes to the brochures:

Pontera was added as a service offering for held-away accounts.
Watercolor Financial has an account minimum of $1,000,000 per household. However, we retain discretion to accept clients with smaller portfolios.

If you wish to obtain a complete copy of our most current Form ADV Part 2A or Form CRS, please do one of the following:

Go to our website, www.watercolorfinancial.com.
You can access our new Form CRS at the bottom of any page of the website.
There is a link on the first page of our Form CRS to access our firm’s information on the SEC Investment Adviser Public Disclosure website. From there, you can click on the PART 2 BROCHURES hyperlink.
Or, you can request a copy by sending an email to info@watercolorfinancial.com.

Furthermore, we encourage you to contact us if your financial situation or investment objectives change or if you wish to impose, add, or modify any restrictions to your account. It is important to note that any requests for changes must be received, acknowledged, and agreed to by Watercolor Financial in writing.

Sincerely,

Bleckley Dobbs

Chief Compliance Officer

Watercolor Financial

9600 Great Hills Trail 150W

Austin, TX 78759

www.watercolorfinancial.com

512 (250-1544)

Access your reports - Visit our web page for links to Fidelity (for access to statements and tax documents) and to the Orion portal (for access to performance reports and billing statements): Watercolor Financial website.

ADV P2 Firm Brochure | Form CRS

Watercolor Financial is a registered investment advisor. This message contains confidential information and is intended for the recipient. If you are not the intended recipient you are notified that disclosing, copying, distributing, or taking any action in reliance on the contents of this information is strictly prohibited. Email transmission cannot be certified to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, arrived late or incomplete, or contain viruses. The sender therefore does not accept liability for any errors or omissions in the contents of this message, which arise as a result of any email transmission sent or received. This is not a solicitation for investment advice. The contents herein should not be construed as an offer or solicitation for tax, legal or investment advice. Watercolor Financial can only provide investment advice in states where it is registered or exempt from registration. If verification is required, please request a hard-copy version. Certain information contained herein may have been obtained from third-party sources and such information has not been independently verified by Watercolor Financial. No representation, warranty, or undertaking, expressed or implied, is given to the accuracy or completeness of such information by Watercolor Financial or any other person. While such sources are believed to be reliable, Watercolor Financial does not assume any responsibility for the accuracy or completeness of such information. Except where otherwise indicated, the information contained herein is based on matters as they exist as of the date of preparation of such material and not as of the date of distribution or any future date. Recipients should not rely on this material in making any future investment decisions.