Description of Firm 4Wealth® Advisors, Inc. (hereinafter: “4Wealth,” “we,” “our,” and “us”) has been an SEC registered investment adviser since June 2018 and is based in Burr Ridge, Illinois. We have been providing investment advisory services since 2004. Prior to November 2012, we conducted advisory business under the name of Cambridge Wealth Management, Inc. Principal Owners We are organized as a sub-Chapter S corporation under the laws of the State of Illinois, with Peter Recchia as the principal owner. Currently, we offer the following investment advisory services, which are personalized to each individual client. Portfolio Management Services We offer investment advice on a discretionary and non-discretionary basis. We work with you to tailor our advisory services to your individual needs by determining your investment objectives, risk tolerances, and other relevant information. We develop strategies to give you customized portfolio management services and conduct investment transactions on your behalf. This enables our firm to give you continuous and customized investment advice and/or to make investments on your behalf in a fiduciary capacity. As part of our portfolio management services, we may manage your assets as a customized portfolio, as a predefined strategy, or in one or more model portfolios developed by the firm. The portfolio performance is monitored on an ongoing basis and may be rebalanced based on market conditions, and your financial circumstances. We may also use one or more sub-advisers to manage a portion of your account on a discretionary basis. We will regularly monitor the performance of your accounts managed by sub- adviser(s) and may hire and fire any sub-adviser at our discretion. We may pay a portion of our advisory fee to the sub-adviser(s) we use; however, you will not pay our firm a higher advisory fee as a result of any sub-advisory relationships. You may also impose certain restrictions on investing in certain securities by limiting our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. If you enter into non-discretionary arrangements with our firm, we must obtain your approval prior to executing any transactions on behalf of your account. Selection of Other Advisers As part of our investment advisory services, we may recommend that you use the services of a third- party money manager ("money manager"), e.g., among others, to manage your entire, or a portion of your, investment portfolio. After gathering information about your financial situation and objectives, we will recommend that you engage a specific money manager or investment program. Factors that we take into consideration when making our recommendation(s) include, but are not limited to, the following: the money manager's performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. We will periodically monitor the money manager(s)' performance to ensure its management and investment style remains aligned with your investment goals and objectives. Pension Advisory Services Our firm provides pension-consulting services to employee benefit plans (“Plan”) and their fiduciaries based upon an analysis of the needs of the Plan. Services may consist of Fiduciary and/or Non-fiduciary Services in a manner designed to assist in the overall operation of the Plan, and to enable the Plan fiduciaries to make informed decisions that are in the best interests of the Plan and its participants. In general, we seek to assist plan fiduciaries and participants with:
• Considering appropriate investment objectives
• Understanding the risk and return characteristics of investments
• Evaluating performance over time of each investment option offered
• Understanding the impact of fees and expenses on investment returns Note: All pension consulting client accounts are regulated under the Employee Retirement Income Securities Act of 1974, as amended ("ERISA"). Pension Advisory Services may include any one or all of the following: Fiduciary Services Investment Policy Statement
• We will assist the Plan in preparing an Investment Policy Statement ("IPS"). Quarterly Investment Review We will review the Plan's investments quarterly, including the following:
• Suitability of Plan's investments in accordance with the IPS. Development of appropriate benchmarks and methodology for selecting, removing, or retaining a particular investment for satisfaction of or failure to meet the stated objectives of IPS or conform to IPS. Investment Performance We will identify underperforming Plan investments and make recommendations as to re-balancing plan assets among appropriate asset classes, including mutual funds and non-securities investments. With respect to Fiduciary Services, we will serve as a fiduciary of the Plan within the meaning of ERISA Section 3(21)(a)(ii) and/or Section 3(38), if applicable, the Department of Labor Regulation Section 2510.3-21(c)(1)(ii)(b), and the Investment Advisers Act of 1940 (the "Advisers Act"). To the extent we engage in Fiduciary Services, we agree to discharge our fiduciary obligations consistent with and subject to the applicable standards of conduct under ERISA and/or the Advisers Act. We (i) will not act as, nor will it agree to assume the duties of a trustee of the Plan or as the plan administrator (as such term is defined in ERISA) and (ii) we will not be responsible for interpreting the Plan documents, determining eligibility, participation, vesting or benefits under the Plan, or taking any other action with respect to the management, administration, or any other aspect of the Plan. As disclosed above, we offer various levels of advisory and consulting services to employee benefit plans ("Plan") and to the participants of such plans ("Participants"). The services are designed to assist plan sponsors in meeting their management and fiduciary obligations to Participants under the Employee Retirement Income Securities Act ("ERISA"). Pursuant to adopted regulations of the U.S. Department of Labor, we are required to provide the Plan's responsible plan fiduciary (the person who has the authority

to engage us as an investment adviser to the Plan) with a written statement of the services we provide to the Plan, the compensation we receive for providing those services, and our status (which is described below). In providing fiduciary, non-fiduciary, discretionary, and/or non-discretionary services to the Plan and/or Participants, our status is that of an investment advisor registered with the State of Illinois and other state securities authorities where required. We are not subject to any disqualifications under Section 411 of ERISA. Non-Fiduciary Services Service Provider Research We will perform research and identify retirement plan service providers in the marketplace and provide quotations for fees and services of such providers as requested by the Plan. We will analyze, contrast, and compare appropriate retirement plan service providers with regard to the administrative, compliance and communications services offered, as well as the investment platform and overall fee structure. Service Provider Recommendation We make recommendations regarding retirement plan service provider selection based upon the results of service provider research and your goals and objectives. Plan Benchmarking Study We compare Plan current retirement plan data against industry and same-sized employer benchmarks and share information with the Plan. Existing Plan Review We review the major components of the retirement plan to identify strengths and weaknesses in such areas as plan structure and design, fees and expenses, participant communications and investment platform. We shall not, and cannot, provide legal or tax advice to the Plan. The Plan shall agree to seek the advice of its legal or other advisors as to matters that might arise relating to the operations and administration of the Plan. We also shall not provide any advice with respect to employer securities, employer real property, or participant loans held by the Plan or with respect to the investment of participant accounts, including without limitation individual directed accounts. Financial Planning Services We offer broad-based, modular, and consultative financial planning services. Financial planning will typically involve providing a variety of advisory services to you regarding the management of your financial resources based upon an analysis of your individual needs. If you retain our firm for these services, we gather information from you about your financial circumstances and objectives. We deliver a written plan to you, designed to help you achieve your stated financial goals and objectives. If you only require advice on a single aspect of the management of your financial resource, we offer financial plans in a modular format and/or general consulting services that address only those specific areas of interest or concern, depending on your unique circumstances. In general, these services include any one or all of the following:
• Retirement Planning - This involves advice with respect to alternatives and techniques for accumulating wealth for retirement income or advice relative to appropriate distribution of assets following retirement. Tax consequences and their implications are identified and evaluated.
• Investment Planning/Asset Allocation - This involves advice with respect to asset allocation and investment income accumulation techniques. Evaluations are made of existing investments in terms of their economic and tax characteristics as well as their suitability for meeting your objectives. Tax consequences and their implications are identified and evaluated.
• Estate Planning - This involves advice with respect to property ownership, distribution strategies, estate tax reduction, and tax payment techniques. It involves a discussion of gifts, trusts, etc., and the disposition of business interests. Tax consequences and their implications are identified and evaluated.
• Insurance Planning - This includes risk management associated with advisory recommendations based on the combination of insurance types that best meet your specific needs, e.g., life, health, disability, and long-term care insurance.
• College Planning - This includes alternatives and strategies with respect to the complete or partial funding of college or other post-secondary education experience. Tax consequences and their implications are identified and evaluated.
• Business Succession Planning - This includes alternatives and strategies with respect to the continuity or disposition of the business upon the business owner's retirement, death, disability, or decision to sell. Tax consequences and their implications are identified and evaluated.
• Tax Planning - This encompasses a large array of services that are customized to your specific financial circumstances. We may offer advice as to how tax laws will affect various financial decisions, e.g., acquisitions, pension strategy, investing in new opportunities or consolidation of existing investments, and individual taxation issues, among others. Portfolio Monitoring/Review Services We provide asset allocation services and/or portfolio monitoring/review services. The frequency of the services provided will be agreed upon by our firm and you and will be detailed in the client agreement. Such services may include a review of your existing portfolio with asset allocation recommendations, a review/evaluation of recommendations made by other advisory professionals for suitability, management and/or monitoring of a participant's investments in a 401(k) plan, or on-going portfolio monitoring services. Types of Investments We may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship. You may request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing. Assets Under Management As of December 31, 2023, we managed approximately $212,543,453 assets under management with approximately $173,571,682 managed on a discretionary basis and approximately $38,971,771 on a non- discretionary basis.