Item 1 – Introduction

Cerity Partners LLC (“we,” “us” or “the Adviser”) is registered with the Securities and Exchange Commission as an investment adviser with offices throughout the United States. Registration of an Investment Advisor does not imply any level of skill or training. Brokerage and investment advisory services and fees differ, and it is important as a retail investor to understand the difference. Free and simple tools are available to research firms and financial professionals at https://www.investor.gov/crs, which also provides educational materials about broker-dealers, investment advisers, and investing.

Item 2 – Relationship and Services

What investment services and advice can you provide me?

Cerity Partners offers through it and its affiliates the following services to high net worth and retail investors: Investment Management, Financial Planning, Retirement Plan Services and Tax Planning. We customize our services to our clients’ individual needs by determining your specific goals, objectives, risk tolerance, time horizon, investment restrictions and other factors that shape the financial advice you receive. We develop investment risk profiles used in our investment advisory, wealth planning, and retirement and financial planning services to help you understand the potential risks and rewards associated with your investments and to provide our advisors with a guide to managing your investments. Cerity Partners regularly monitors investment accounts for, among other things, allocations of investments that are outside of our clients’ stated goals and objectives.

Cerity Partners typically receives discretionary authority from the client to select third-party investment managers and/or select the identity and amount of securities to be bought or sold during an advisory relationship. We only exercise our investment discretion consistent with the stated investment risk profile for the particular client account. Cerity Partners also offers non-discretionary services where we seek prior authorization from the client prior to implementing our recommendations.

As a condition for starting and maintaining an investment advisory relationship, Cerity Partners generally requires a minimum portfolio size of $2,000,000 and a minimum investment advisory annual fee of $20,000. These minimums may have the effect of making our services impractical for certain individuals or entities. We, in our sole discretion, may waive our stated account minimums.

Additional information about our services can be found in our Form ADV, Part 2A, Item 4 and Item 7. You could consider asking us questions like the following:

• Given my financial situation, should I choose an investment advisory service? Why or why not?
• How will you choose investments for my account?
• What is your relevant experience, including your licenses, education and other qualifications?
• What do these qualifications mean?

Item 3 – Fees, Cost, Conflicts and Standard of Conduct

Cerity Partners charges asset-based, fixed, and hourly fees. Our fee for wealth management services, including investment advisory, is up to and generally would not exceed 1.50% per year of assets under management, and the fee is negotiable based on certain criteria. While our standard agreement identifies the services provided, we may from time to time quote a fixed annual retainer for services based on the scope of the engagement. We may enter into performance fee arrangements with qualified clients. You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what other fees and costs you are paying, such as custodian fees and underlying investment fees. Additional information on fees and cost can be found in our Form ADV, Part 2A, Item 5. You could consider asking us questions like the following:

• Help me understand how these fees and costs might affect my investments?
• If I give you $10 million to invest, how much will go to fees and costs, and how much will be invested for me?

What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?

When we act as your investment adviser, we are required to act in your best interest and not put our own interest ahead of your interests. At the same time, the way Cerity Partners is compensated creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means:

• Cerity Partners’ affiliate, Sage Advisors (“Sage”) manages proprietary and unaffiliated private investment funds, which creates a conflict of interest if we recommend Sage over other unaffiliated funds invested in a similar fashion.
• The more assets in a client’s account(s) will result in more fees, so Cerity Partners may have an incentive to recommend the client increase the assets in their accounts.
• Performance-based fee arrangements create a conflict of interest and an incentive to recommend certain investments over an investment with a different fee arrangement.
• Cerity Partners may accept sponsorship of client and prospect events from certain third-party managers creating a conflict of interest if we recommend certain managers from whom we accept sponsorships over others that do not provide sponsorships.

For additional information on conflicts, please refer to our Form ADV, Part 2A, which is available at https://adviserinfo.sec.gov/firm/summary/151559. You could consider asking us questions like the following:

• How might your conflicts of interest affect me, and how will you address them?

How do your financial professionals make money?

Our advisors are primarily compensated based on the amount of assets under management that they personally manage.

Item 4 – Disciplinary History

Do you or your financial professionals have legal or disciplinary history?

Yes, certain financial professionals of Cerity Partners have disclosable events. To view these events, you can use the simple and free tools available at https://www.investor.gov/crs to research our firm and our financial professionals. This site also provides educational materials about investment advisers and investing. You should also review your financial professional’s ADV Part 2B, or important details and disclosures about your financial professional. You could also consider asking us questions like the following.

• As a financial professional, do you have any disciplinary history? For what type of conduct?

Item 5 – Additional Information

To find additional information about our investment advisory services, please refer to our Form ADV by visiting https://adviserinfo.sec.gov/firm/summary/151559. You could also consider asking us questions like the following:

• Who is my primary Contact Person? Are they a representative of an investment adviser or a broker-dealer?
• Who can I talk to if I have concerns about how this person is treating me?

Please visit ceritypartners.com or call (212) 850-4260 for more information about our services or to obtain a copy of this Form CRS.