Affiliated Advisory Services Catalyst Wealth Management, LLC (“Catalyst Wealth Management,” “we,” “our,” “us”) is a limited liability company organized under the laws of the state of Georgia in 2009. We are an SEC-registered investment advisory firm wholly owned by Christopher D. Pullaro, David A. Pierce, David S. Mirolli and Brian T. Pierce. We offer investment advisory services to you directly and through the referrals of third parties. We either consult with you directly or through these third parties to obtain detailed financial information and other pertinent data. In providing investment advice to you and all of our clients, we consider:  your financial situation,  risk tolerance,  investment horizon,  liquidity needs,  tax considerations,  financial goals,  income (current and potential),  portfolio size,  net worth,  investment objectives, and  any other issues you disclose to us that are important to your state of affairs. Certain of our Wealth Advisors directly manage client portfolios custodied at TD Ameritrade Institutional (“TD Ameritrade”), Division of TD Ameritrade, Inc., member FINRA/SIPC. Assets are allocated within a mix of securities that typically include all or some of the following:  equities,  bonds,  active, index, or other mutual funds,  exchange traded funds,  interval funds, and  direct participation programs (“DPP”s). The exact securities and allocation thereof recommended to or selected for clients’ accounts may differ from client to client based on the particular client’s risk tolerance, time horizon, financial situation, and other factors. Securities and sector allocations are recommended or selected after considering the factors described above, as well as new account paper and/or risk-based software questionnaires completed by clients and Adviser’s discussions with clients. Assets are typically managed to an allocation model if such a stated target allocation has been agreed to by client and Adviser. You should notify us promptly if there are any changes in your financial situation or investment objectives. You should also notify us if you wish to impose any reasonable restrictions upon the management of your account. We primarily offer our advisory services within two management methods: Discretionary and Non-Discretionary. Non-Discretionary Management - This means that we need advance approval from you to determine the type and amount of securities to be bought and sold for your accounts. Discretionary Management – This means that we do not need advance approval from you to determine the type and amount of securities to be bought and sold for your accounts. This discretion is used in a manner consistent with the stated investment objectives for your account, if you have given us written authorization to do so. We only exercise discretion in accounts where we have been authorized by you. This authorization is typically included in the investment advisory agreement you enter into with us. We do not, however, have the ability to choose the broker-dealer through which transactions will be executed. Additionally, we do not have the ability to withdraw funds from your account (other than to withdraw our advisory fees, which may only be done with your prior written authorization.) When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Fees and Compensation We accept new clients under a fee-based arrangement. Our fee is calculated based upon the market value of the assets in your account on the last day of the previous quarter. Broker-dealers and other financial institutions that hold client accounts are referred to as custodians. Your custodian determines the values of the assets in your portfolio. Fees for the initial quarter are based on the value of your cash and securities on the date the custodian receives them and are prorated based upon the number of calendar days in the calendar quarter that our agreement is in effect. You must authorize us in writing to have the custodian/broker-dealer pay us directly by charging your account. One-fourth of the annual fee is charged each calendar quarter. Your custodian/ broker-dealer will provide you with statements that show the amount paid directly to us. You should review and verify the calculation of our fees. Your custodian/broker-dealer does not verify the accuracy of fee calculations. Typically, you must pay our advisory fees on a quarterly basis in advance of receiving our services. Should you terminate the advisory agreement we have entered into within five (5) business days from the date the agreement is executed, you will receive a full refund

of any fees paid. Should either one of us terminate the advisory agreement we have entered into before the end of a billing period, any unearned fees that were deducted from your account will be returned to you by us. The amount refunded to you is calculated by dividing the most recent advisory fee you paid by the total number of days in the quarter. This daily fee is then multiplied by the number of calendar days in the quarter that our agreement was in effect. This amount, which equals the amount we earned for the partial quarter, is subtracted from the total fee you paid in advance to determine your refund. Wrap pricing structures allow you to pay an all-inclusive fee for management, brokerage, clearance, custody and administrative services. We may charge accounts that do not meet minimum asset thresholds a nominal fee on a quarterly basis, not to exceed 0.50%. You should note that the same (or similar) services as those described above may be available from other sources at a lower cost to you. Depending upon the level of the wrap fee charges, the amount of portfolio activity in your account, the value of services that are provided, and other factors, a wrap fee may exceed the aggregate cost of services if they were to be provided separately. Generally, wrap programs are relatively less expensive for actively traded accounts. However, a non-wrapped pricing arrangement can be more cost effective for accounts that do not experience frequent trading activity. Our wrap fee schedules are as follows: Wrap Fee Schedule Account Size Maximum Annual Account Fee $0 - $499,999 2.00% $500,000 - $999,999 1.75% $1,000,000 - $3,499,999 1.50% $3,500,000 and Above 1.25% The fee that you pay for a wrap fee account includes payment of all brokerage commissions and other trading costs of transactions effected through TD Ameritrade. However, the fee does not include mark-ups, markdowns, or payment of brokerage commissions from transactions made by a broker-dealer other than TD Ameritrade. Such brokerage commissions, mark-ups or markdowns, and other costs would be charged to you in addition to the advisory fee. Where applicable, you will be required to pay other charges such as:  custodial fees,  SEC fees,  internal fees and expenses charged by mutual funds or exchange traded funds (“ETFs”), and  other fees and taxes on brokerage accounts and securities transactions. Account Fees are negotiable. Some deciding factors can include the size of the account, the complexity of your financial situation or investment strategy, and your choice of Wealth Advisor. It is possible that different Wealth Advisors may charge different fees for providing the same service to clients. The specific level of services you will receive and the fees you will be charged will be specified in your advisory services agreement. Mutual fund companies, ETFs, and variable annuity issuers charge internal fees and expenses for their products. These fees and expenses are in addition to any advisory fees charged by us. Complete details of these internal fees and expenses are explained in the prospectuses for each investment. You are strongly encouraged to read these explanations before investing any money. You may ask us any questions you have about fees and expenses. Your Wealth Advisor, in their capacities as registered representatives of Purshe Kaplan Sterling Investments, will retain a portion of mutual fund sales loads; distribution fees; surrender charges; and variable annuity commissions received on products purchased through Purshe Kaplan Sterling Investments. Such payments create a conflict of interest by giving the representative an incentive to recommend one investment company, product or share class over another. Your Wealth Advisor does not receive such payments on investments purchased through other broker-dealers or investment adviser platforms. Catalyst Wealth Management employs policies and procedures to promote the selection of the lowest-cost share class. As a regular practice, our Wealth Advisors attempt to identify the lowest-cost share class available to the client, given the client’s investment goals and other considerations such as services provided to the client by third parties. We are committed to reducing conflicts of interest by: (1) providing education and training to representatives; (2) conducting periodic reviews of investment selections made by representatives, including share classes; and (3) providing appropriate disclosure and notification to clients about our investment practices. If you purchase mutual funds through the custodian/broker-dealer, you may pay a transaction fee that would not be charged if the transactions were made directly through the mutual fund company. Also, mutual funds held in accounts at brokerage firms may pay internal fees that are different from funds held at the mutual fund company. While you may purchase shares of mutual funds directly from the mutual fund company without a transaction fee, those investments would not be part of our advisory relationship with you. This means that they would not be included in our investment strategies, investment performance monitoring, or portfolio reallocations. Your Wealth Advisor may recommend our wrap program to you and, as a result of your participation in this program, will receive a portion of the fee you pay Catalyst Wealth Management. These payments are made as long as you participate in the program and can be greater than other forms of compensation had you paid separately for investment advice, brokerage and other services provided to you as part of a wrap fee program. As a result, your Wealth Advisor has a financial incentive to recommend this program over other programs or services that may be available to you.