We are dedicated to providing individuals and other types of clients with a wide array of investment advisory services. Coign Capital Advisors, LLC is a limited liability company formed in the State of Utah. Our firm has been in business as an investment adviser since 2014 and is owned by James Matthew Zundel (75%), Courtland Michael Adams (10%), Daniel Roger Zundel (10%), and Adam Gayle Lefler (5%). Description of the Types of Advisory Services We Offer Asset Management: We emphasize continuous and regular account supervision. As part of our asset management service, we generally create a portfolio, consisting primarily of individual stocks or bonds, exchange traded funds (“ETFs”), options, mutual funds, structured notes, and other public and private securities or investments. The client’s portfolio model and individual investment strategy is tailored to their specific needs and may include some or all of the previously mentioned securities. After we have gathered information regarding a client’s risk tolerance and financial objectives, we determine a suitable portfolio model or customized investment strategy for the client. Our firm has developed 4 standard portfolio models that vary due to their level of risk, objectives, and general rate of asset class/security weightings: Income, Moderate, Moderately Aggressive, and Aggressive. Once the appropriate portfolio has been determined, we review the portfolio at least quarterly and if necessary, rebalance the portfolio based upon the client’s individual needs, stated goals and objectives. We may also recommend supplementing the portfolio models with highly customized satellite positions, such as pooled investment vehicles, to help achieve a client’s investment objective. We may utilize Independent Money Managers, where we design an investment portfolio on a fee-only basis for a percentage of assets in conjunction with another investment advisory firm and manage such portfolio in conjunction with another investment adviser representative. Before selecting other managers, we make sure that the other managers are properly licensed or registered. We pay compensation to Independent Money Managers for services rendered by these firms to clients and our firm. This compensation is typically equal to a percentage of the overall investment advisory fee charged by our firm or an agreed upon fixed fee. Management of your assets by these managers will incur additional and separate fees that usually range anywhere between twenty-five (25) to fifty (50) basis points of the total advisory fee. In no case will the total advisory fee exceed 3% of the assets under management. Iliad Automated Management Services (“Iliad”): Iliad is an automated online platform powered by Coign Capital Advisors that guides clients through the investment management process and provides management services. This service is offered to clients who do not fit or do not want our firm’ core services. Clients subscribing to the Iliad service authorize our firm to implement our proprietary portfolio models. As part of the Iliad investment management service, clients complete an online personal risk tolerance assessment and provide additional information about their financial goals. Based on the information provided, the appropriate model portfolio is selected for the client. We generally create diversified model portfolios of investments consisting of low-cost exchange traded funds (“ETFs”), mutual funds, and other similar equity-related index funds. Information about the client’s model portfolio is available on the online platform, which includes their investment style, objectives, and a list of ETFs and other investments with shares that are ADV Part 2A – Firm Brochure Page 5 Coign Capital Advisors, LLC included in and traded through them. Clients can also submit or modify their risk preferences, investment objectives, investment size, and any other restrictions for their accounts directly through the online platform. We will periodically rebalance client model portfolios based upon the client’s individual needs, stated goals, and objectives. Financial Planning & Consulting: We provide a variety of financial planning and consulting services to individuals, families and other clients regarding the management of their financial resources based upon an analysis of the client’s current situation, goals, and objectives. Generally, such financial planning services will

involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass one or more of the following areas: Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, Business and Personal Financial Planning. Our written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education or charitable giving programs. It should also be noted that we refer clients to an accountant, attorney or other specialist, as necessary for non-advisory related services. For written financial planning engagements, we provide our clients with a written summary of their financial situation, observations, and recommendations. For financial consulting engagements, we usually do not provide our clients with a written summary of our observations and recommendations as the process is less formal than our planning service. Plans or consultations are typically completed within six (6) months of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly. Implementation of the recommendations will be at the discretion of the client. We are required to disclose to our financial planning clients that a conflict of interest exists between us and our clients. The client is under no obligation to act upon the investment adviser’s recommendation. As a fiduciary, we always put our client’s interests ahead of our own. If the client elects to act on our recommendations, the client is under no obligation to effect the transaction through us. Implementation of the recommendations will be at the discretion of the client. Pension Consulting: We provide pension consulting services to employer plan sponsors on a one-time or ongoing basis. Generally, such pension consulting services consist of assisting employer plan sponsors in establishing, monitoring, and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising could include: investment options, plan structure and participant education. All pension consulting services shall be in compliance with the applicable state law(s) regulating pension consulting services. This applies to client accounts that are pension or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and we accept appointments to provide ADV Part 2A – Firm Brochure Page 6 Coign Capital Advisors, LLC our services to such accounts, we acknowledge that we are a fiduciary within the meaning of Section 3(21) of ERISA (but only with respect to the provision of services described in section 1 of the Pension Consulting Agreement). Tailoring of Advisory Services We offer 4 standard portfolio models that vary due to their level of risk, objectives, and general rate of asset class/security weightings. In certain cases, we may also recommend supplementing the portfolio models with highly customized satellite positions tailored to help achieve a client’s investment objective. Each Asset Management client has the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Restrictions on investments in certain securities or types of securities may not be possible due to the level of difficulty this would entail in managing the account. Restrictions would be limited to our Asset Management service. Participation in Wrap Fee Programs We do not offer wrap fee programs. Regulatory Assets Under Management As of December 31st, 2023, we managed $287,876,151 on a discretionary basis and $0 on a non- discretionary basis.