BAJA WEALTH ADVISORS LLC Assets Under Management As of December 31, 2023, BWA has $72,601,164 in assets under management of which BWA manages $20,803,400 of client assets on a discretionary basis and $51,797,764 of client assets on a non-discretionary basis. Its parent organization Cerity Partners and its other subsidiaries advise and/or report on over $80 billion in assets. Depending on the services provided, BWA will charge a standard asset-based fee of 1.25% per year or fixed fee. While BWA’s standard engagement is inclusive of all services, we may from time to time quote a fixed annual retainer for financial planning and other services based on the scope of the engagement, with the quote provided prior to services being rendered. BWA’s fees are exclusive of, and in addition to, charges imposed by custodians, brokers, third party investment managers, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. In addition, mutual funds and exchange-traded funds charge internal management fees, which the fund discloses in its prospectus. Commissions earned by Cerity Partners’ CP RMS services are in addition to any wealth management fees charged by BWA. BWA will not share in any of these additional fees. Item 12 further describes the factors that BWA considers in selecting or recommending broker-dealers for its clients’ transactions and determining the reasonableness of their compensation. The more assets in a client’s account(s) will result in more fees, so BWA may have an incentive to recommend the client increase the assets in their accounts. BWA generally calculates fees quarterly in arrears and either mails an invoice to the client for payment or debits fees directly from the client’s account. Where the fee is charged as a percentage of the assets managed by BWA, BWA will calculate the fee based on the value of the assets in the client’s account(s), including cash and cash equivalents and margin unless otherwise excluded in the client agreement, on the last day of the quarter or using the average daily balance of assets as of end of

day in client account(s). BWA relies on independent third-party pricing services to calculate the value of client assets. For private investments, valuations may be provided by the investment sponsor or general partner and may lag by a quarter. BWA will charge a prorated fee for any accounts initiated or terminated during a calendar quarter. Upon termination of any account, any earned, unpaid fees will be due and payable and debited directly from the client’s investment accounts. The above represents BWA’s standard fee. In various circumstances, BWA’s standard fees are negotiated. Negotiated fees may be lower than the standard fee. In BWA’s sole discretion, negotiated fees are based upon certain criteria, including, but not limited to, client needs, related accounts, services required, reporting requirements, anticipated assets to be managed, and future additional assets. Certain legacy client agreements are governed by fee schedules different from the standard fee disclosed above and based upon prior contractual relationships or historical fee schedules. Additionally, certain third-party managers recommended by BWA may impose more restrictive account requirements and use different billing practices from those of BWA. In these cases, BWA may alter its account requirements and/or billing practices to accommodate the third-party manager. Cerity Partners’ employees or affiliates may receive a discount in fees for the same or similar services offered to the clients of Cerity Partners or its affiliates. BWA may enter into performance fee arrangements with qualified clients. All performance-based fee arrangements are subject to individual negotiation. BWA will structure any performance or incentive fee arrangement in compliance with the provisions of Section 205(a)(1) of the Investment Advisers Act of 1940 (the “Advisers Act”) and the rules promulgated under the Advisers Act. In measuring clients' assets for the calculation of performance-based fees, BWA will include realized and unrealized capital gains and losses. Performance based fee arrangements may create an incentive to recommend investments which may be riskier or more speculative than those that would be