Aurora is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”) with its principal place of business located in Rockaway, New Jersey. Aurora began conducting business in 2015. Timothy Liam Smith, President, is the Firm’s primary shareholder (i.e., those individuals and/or entities controlling 25% or more of this company). As of December 31, 2023, the Firm had $363,261,922 in assets under management managed on a discretionary basis. Aurora offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to Aurora rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Aurora setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). While this brochure generally describes the business of AURORA, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on AURORA’s behalf and are subject to the Firm’s supervision or control. Our firm offers services through our network of investment advisor representatives (“Advisor Representatives” or “IARs”). IARs may have their own legal business entities or doing business as (dba) names whose trade names and logos are used for marketing purposes and may appear on marketing materials or client statements. The Client should understand that the businesses may be legal entities of the IAR and not of our firm Aurora. To be clear, however, the IARs are under the supervision of our firm Aurora, and the advisory services of the IAR are provided through our firm, Aurora. Our firm Aurora has the arrangement described above with the following Advisor Representatives:
• Brio Financial Services Matthew Compton
• Indigo Wealth Management Glad Perez
• Moore Wealth Management Willard David Moore
• Nielson Financial Group Martin Nielson
• Planned Professional Advisory Charles Mishler, Kristy Berger
• Main Street Private Advisors Stephen Molinelli, Kevin Ryan
• Standard Pension Services Peter Devlin, Eric Monroe, Howard Zodicoff
• WealthPlan Advantage Gregory Nardolillo, Daniel Nardolillo, We offer various advisory services to our clients. However, it is important to understand that our firm enables its financial advisors, which are sometimes referred to as investment adviser representatives (“IARs”), to provide customized advice to their clients. These IARs are permitted great latitude in selecting investments, investment strategies and delivering investment advice to our clients, which remains subject to the supervision of our compliance department. Each of our advisory programs that our IARs may use in servicing their clients are described in greater detail below. Your IAR may recommend, and our Firm permits, APW Capital, Inc. (“APW Capital”), a registered broker- dealer and our affiliate, to provide brokerage services as an introducing broker-dealer on transactions. Please refer to Item 12 for additional information about this arrangement. Financial Planning and Consulting Services Aurora offers clients a broad range of financial planning and consulting services, which include any or all of the following functions:
• Business Planning • Retirement Planning
• Cash Flow Forecasting • Risk Management
• Trust and Estate Planning • Charitable Giving
• Financial Reporting • Distribution Planning
• Investment Consulting • Tax Planning
• Insurance Planning • Manager Due Diligence In performing these services, the Firm is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. The Firm may recommend certain clients engage Aurora for additional related services, its IARs in their individual capacities as insurance agents or registered representatives of a broker-dealer and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists when the Firm recommends that clients engage Aurora or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Aurora under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Aurora’s recommendations and/or services. Investment and Wealth Management Services Aurora manages client investment portfolios on a discretionary or non-discretionary basis, and may recommend or invest in various securities, including mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities, commercial paper, certificates of deposit, options, warrants, other derivative securities, structured products and structured notes, oil/gas and real estate partnerships in accordance with clients’ stated investment objectives. It may also recommend or select independent investment managers (“Independent Managers”). Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios. Clients can engage the Firm to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, the Firm directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. Aurora tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on an ongoing basis, that client portfolios are managed in a manner consistent with those needs and objectives. The Firm consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify the Firm if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if the Firm determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. The Firm’s investment management services are provided principally through its IARs subject to oversight and review by Aurora’s compliance and operations personnel. The Firm gives each IAR broad discretion in making investment decisions for or constructing portfolios that they believe are appropriate for their clients. Therefore, clients will have different investments than other Firm clients partially depending on that client’s IAR. The Firm offers clients various investment programs, depending on their desired preferences. A brief description of each of these investment management programs is provided below. Individual Portfolio Management Program Through this program, the Firm provides continuous or less frequent asset management services based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, the client’s IAR develops a client's personal investment policy and creates and manages a portfolio based on that policy. The client’s investment advisor representative is responsible for making day-to-day discretionary investment decisions subject to oversight and review by Aurora’s compliance and operations personnel. During the data-gathering process, the IAR determines the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, the IAR also reviews and discusses a client's prior investment history, as well as family composition and background. Account supervision is guided by the client's stated objectives (i.e. maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Model Portfolio Management Program Through this program, the Firm provides periodic portfolio management services to clients using model asset allocation portfolios designed

by the Firm’s IARs. Each model portfolio is designed to meet a particular investment goal and not necessarily each client’s individual needs. However, a model is selected or recommended for a client based on their investment objectives. The Firm uses two particular strategies to construct and make revisions to its model portfolios:
• Strategic Asset Allocation: portfolio assets are allocated among a broad universe of mutual funds or ETFs, asset classes and style categories;
• Tactical Asset Allocation: portfolio assets are allocated among various mutual fund or ETF classes with an overlay of technical analysis, i.e. asset management charting software. Through personal discussions with the client in which the client's goals and objectives are established, the Firm determines which model portfolio is suitable for the client's circumstances. Account supervision is guided by the client's stated objectives (i.e. maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Independent Manager Selection Program Through this program, the Firm provides clients an asset allocation strategy that is employed through the use of Independent Managers. The asset allocation strategy is developed through personal discussions in which goals and objectives based on the client's particular circumstances are established. This asset allocation strategy is drafted into the client's personal investment policy statement (“PIPS”). Based on the client's individual circumstances and needs (as exhibited in the client’s PIPS. The client’s IAR will then perform management searches of various unaffiliated Independent Managers to identify which Independent Manager’s portfolio management style is appropriate for that client. Factors considered in making this determination include account size, risk tolerance, the opinion of each client and the investment philosophy of the selected Independent Manager. Once we select one or more Independent Manager for the client, the IAR provides the selected Independent Manager(s) with the client's PIPS or the client otherwise provides their PIPS to the Independent Manager. The Independent Manager then creates and manages the client's portfolio based on the client's individual needs as exhibited in the PIPS. The IAR monitors the performance of the selected Independent Manager(s). If the IAR determines that a particular selected Independent Manager(s) is not providing sufficient management services to the client or is not managing the client's portfolio in a manner consistent with the client's PIPS, the IAR may suggest that the client contract with a different Independent Manager or we may use our discretion to select a new Independent Manager. Whether we maintain discretion to select a new Independent Manager is outlined in our Advisory Agreement. Affiliated and Unaffiliated Wrap Programs The Firm also provides investment management services as the sponsor and manager of the Aurora Private Wealth Select Wrap Fee Program (the “Wrap Program”), a wrap fee program (i.e., an arrangement where brokerage commissions and transaction costs are absorbed by the Firm. The Firm and its IARs do not recommend Wrap Program accounts and instead view the decision to offer a Wrap Program to a client as a courtesy and a business decision. Neither the Firm nor any IAR are required to offer this arrangement to any client or prospective client. Not all of the Firm’s IARs offer Wrap Program accounts. The IARs that offer the Wrap Program are responsible for the trading costs incurred in the management of the Wrap Program accounts. Accounts managed through the Wrap Program by an IAR are done so in substantially the same manner as those managed under a non-wrap arrangement by that IAR, meaning that the client’s IAR is responsible for making investment decisions. The IAR generally will not consider trading costs and the expense associated with trading in rendering advice to clients. All else equal, an IAR’s client that is offered the Wrap Program will have lower expenses, and therefore better returns than had they not been offered the Wrap Program. Neither the Firm nor its IARs monitor (1) the effect of whether a client is in a Wrap Program or non-Wrap Program account, or (2) whether a client would fare better in a Wrap Program account over a non-Wrap Program account or vice versa, because the client will always fare better in the Wrap Program account to the extent their IAR decides to offer it. Additional information about the Wrap Program is available in Aurora’s Wrap Brochure, which appears as Part 2A Appendix1 of the Firm’s Form ADV. The Firm is also a participating investment adviser in an unaffiliated wrap fee program sponsored by Envestnet. With respect to this wrap-fee program, clients pay their fees directly to the sponsor who, in turn, remits a portion of those fees to the Firm. The advisory fees remitted to Aurora are based upon an annual percentage of assets under management and are calculated by the sponsor on a quarterly basis. In the event that Aurora is engaged to provide investment management services as part of an unaffiliated wrap-fee program, the Firm will be unable to negotiate commissions and/or transaction costs. Under a wrap program, the wrap program sponsor arranges for the investor to receive investment management services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. Participation in a wrap program may cost the participant more or less than purchasing such services separately. Retirement Plan Consulting Services The Firm also provides various consulting services to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and includes any or some or all of the following:
• Investment policy statement preparation
• Investment Selection
• Investment performance monitoring
• Participant education As disclosed in the Advisory Agreement, certain of the foregoing services are provided by Aurora as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), each plan sponsor is provided with a written description of Aurora’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Firm reasonably expects under the engagement. Other Consulting Services The Firm also provides investment consulting services to individuals, trusts, estates and charitable organizations. Use of Independent Managers As mentioned above, Aurora selects certain Independent Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages an Independent Manager may be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure, clients may also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets which they should read carefully. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers. Aurora seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives. Envestnet Managed Account Platform (Envestnet Platform”) Aurora offers certain of its investment management services through a third-party managed account platform operated by Envestnet. The platform allows investment advisers, such as the Firm, to manage client assets through managed accounts on the Envestnet Platform. Client assets may be allocated to custom model portfolios constructed by the Firm or among various Independent Managers offering advisory services through the Envestnet Platform. Aurora may also provide its clients with access to an online platform hosted by Envestnet. The Envestnet platform allows a client to view their complete asset allocation, including those assets that the Firm does not manage (the “Excluded Assets”). Aurora does not provide investment management, monitoring, or implementation services for the Excluded Assets. Unless otherwise specifically agreed to, in writing, the Firm’s service relative to the Excluded Assets is limited to reporting only. Therefore, the Firm shall not be responsible for the investment performance of the Excluded Assets. Rather, the client and/or their advisor(s) that maintain management authority for the Excluded Assets, and not Aurora or its IARs, shall be exclusively responsible for such investment performance. Without limiting the above, the Firm shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. The client may choose to engage the Firm to manage some or all of the Excluded Assets pursuant to the terms and conditions of an Advisory Agreement between Aurora and the client.