A. Description of the Advisory Firm WealthCrest Financial Services, LLC (“WealthCrest" or the Firm) provides its clients with a broad range of financial planning and consulting services (including non-investment related matters). The firm has been in business since January 1, 2004, and the principal and owner is Patrick B. Beagle. B. Types of Advisory Services WealthCrest is a SEC registered investment adviser located in the state of Virginia and with branch offices in Palm Coast, Florida and Leland, North Carolina. Individuals associated with WealthCrest provide its investment advisory services. These individuals are appropriately licensed, qualified, and authorized to provide advisory services on behalf of WealthCrest. Such individuals are known as Investment Adviser Representatives (“IARs” or “advisory representatives”). WealthCrest offers the following services to advisory clients: Financial Planning Services WealthCrest develops financial plans for a host of different clients and scenarios. These financial plans may be relatively simple or sophisticated depending on the needs of the client. Financial planning typically involves providing a variety of services, principally advisory in nature, to individuals, businesses or families regarding the management of their financial resources based upon an analysis of individual needs. WealthCrest provides this service by conducting a detailed financial review and developing an individual plan for the client(s). Financial Planning services include setting client goals and to effectively utilize clients' resources to work towards short and long term financial objectives. As a part of financial planning, recommendations may include identification of financial goals, statements of present financial conditions, cash flow, net worth, income taxation, educational funding, financial independence, estate planning, charitable planned giving and asset allocation analysis. Consulting Services WealthCrest may contract with clients to provide advice on various topics such as an employer/employee benefit program or a limited scope financial review. WealthCrest may also consult employers concerning employee or executive compensation benefit plans, such as pension plans or deferred compensation programs. Such consultations will include advice on the relative advantages, disadvantages and feasibility of various funding vehicles such as variable insurance products, traditional insurance products and mutual funds. WealthCrest will also, on occasion, aid clients in administrative tasks that deal with all aspects of the clients’ financial life, such as filling out applications for student loans, bank applications, and investment account information (not related to a WealthCrest management account). A written agreement will set forth the terms and conditions of the engagement, describe the scope of the services to be provided, and the fee or billable rate due from the client. Investment Supervisory Services WealthCrest offers a wide range of investment products to client(s) and charges an investment management fee for those services. WealthCrest may utilize various investment management service programs. Advisory representatives assist clients to determine client's time horizon, goals, and objectives for investing and recommend a portfolio strategy from among asset allocations in the program's available options. Prior to engaging WealthCrest to provide investment management services, the client will be required to enter into a formal agreement setting forth the terms and conditions under which WealthCrest shall manage the client's assets. Investment management services are available, but not limited to, individuals, entities, pension and profit-sharing plans, IRAs, 403(b) (7) s, trusts, estates, and not-for-profit organizations. All account fees are negotiable and subject to maximum fees allowable. The Client shall authorize WealthCrest to deduct all applicable fees from client's program account and all such fees will

be clearly noted on client's statements. Cambridge Managed Account Platform (CMAP) WealthCrest offers the CMAP program, which is an investment management program that enables the IAR to actively manage client investment portfolios in accordance with the client's individual needs, objectives and risk tolerance. CMAP accounts are held at the custodian, Pershing, LLC ("Pershing"). Pershing is a broker-dealer and member of the NYSE. Cambridge Investment Research, Inc. (“Cambridge”), a registered broker-dealer, member of the Financial Industry Regulatory Authority (“FINRA”) and the Securities Investors Protection Corporation (“SIPC”), clears these securities transactions on a fully disclosed basis through Pershing. Clients whose accounts are held at Pershing may pay higher account-related fees and execution charges than if their IAR had selected another Clearing Firm. This is the primary program utilized by WealthCrest for its advisory business. Client assets in the CMAP program account for the majority of our investment management business. Cambridge WealthPort Wrap (Wealthport) Cambridge sponsors a wrap fee program known as WealthPort Wrap. Accounts are cleared and custodied at Pershing. Cambridge Investment Research, Inc. serves as the introducing broker-dealer for accounts in WeathPort and clears securities transactions on a fully disclosed basis through Pershing. WealthPort offers Adviser Representatives the ability to select one or more of the programs strategies. The following information provides a brief summary of WealthPort. A full and complete description of each Program is provided in the WealthPort Wrap Brochure. All investors participating in WealthPort will be provided with, and should review the WealthPort Wrap Brochure prior to investing. CAAP® (Cambridge Asset Allocation Platform) Within WealthPort CAAP®, we have arrangements with various strategists to provide consulting services in connection with the creation of asset allocation models and the selection of portfolios of funds, ETFs or equities, taking into consideration your investment objectives, financial situation, risk tolerance, and reasonable investment guidelines. Consultants and/or portfolio strategists can select their own proprietary funds to be held in your portfolio. This creates a conflict of interest in that Consultants receive separate and customary income when proprietary funds are selected for your portfolio. The maximum advisor fee in this program is 2.15% annually. While WealthPort Wrap services are available through WealthCrest, the firm has less than 5% of the WealthCrest’s assets under management on this platform. C. Client Tailored Services and Client Imposed Restrictions WealthCrest offers the same suite of services to all of its clients. However, specific client financial plans and their implementation are dependent upon the client and their unique situation (income, tax levels, needs, circumstances and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent WealthCrest from properly servicing the client account, or if the restrictions would require WealthCrest to deviate from its standard suite of services, WealthCrest reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee investment program is a program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. WealthCrest does not sponsor a wrap fee program. E. Amounts Under Management WealthCrest manages approximately $371,898,681.00 dollars. The break-down of assets under management are as follows: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: 371,898,681 0 03/27/2024