Echelon Partners USA is an investment adviser registered with the United States Securities and Exchange Commission (“SEC”) and is a limited liability company (LLC) formed under the laws of Canada. Echelon Partners USA filed its initial application to become registered as an investment adviser in November 2018. Echelon Partners USA is owned by Echelon Wealth Holdings Inc., a holding company which also owns Echelon Wealth Partners Inc, a financial services firm in Canada. Echelon Wealth Holdings Inc. owns 100% of Echelon Partners USA. Miles Nadal is the majority shareholder of the Echelon Wealth Holdings Inc. Miles Nadal is the only beneficial owner of Echelon Partners USA with ownership interest of 25% or more. Mark Salerno is the Chief Compliance Officer of Echelon Partners USA. Introduction The investment advisory services of Echelon Partners USA are provided to you through an appropriately licensed and qualified individual who is an investment adviser representative of Echelon Partners USA (referred to as your investment adviser representative throughout this brochure). Description of Advisory Services The following are descriptions of the primary advisory services of Echelon Partners USA. Please understand that a written agreement, which details the exact terms of the service, must be signed by you and Echelon Partners USA before we can provide you the services described below. Asset Management Services – Echelon Partners USA offers asset management services, which involves Echelon Partners USA providing you with continuous and ongoing supervision over your specified accounts. You must appoint our firm as your investment adviser of record on specified accounts (collectively, the “Account”). The Account consists only of separate account(s) held by qualified custodian(s) under your name. The qualified custodians maintain physical custody of all funds and securities of the Account, and you retain all rights of ownership (e.g., right to withdraw securities or cash, exercise or delegate proxy voting and receive transaction confirmations) of the Account. The Account is managed by us based on your financial situation, investment objectives and risk tolerance. We actively monitor the Account and provide advice regarding buying, selling, reinvesting or holding securities, cash or other investments of the Account. We will need to obtain certain information from you to determine your financial situation and investment objectives. You will be responsible for notifying us of any updates regarding your financial situation, risk tolerance or investment objective and whether you wish to impose or modify existing investment restrictions; however, we will contact you at least annually to discuss any changes or updates regarding your financial situation, risk tolerance or investment objectives. We are always reasonably available to consult with you relative to the status of your Account. You have the ability to impose reasonable restrictions on the management of your accounts, including the ability to instruct us not to purchase certain securities. It is important that you understand that we manage investments for other clients and may give them advice or take actions for them or for our personal accounts that is different from the advice we provide to Echelon Partners USA Inc. Page 5 Form ADV Part 2A: Firm Brochure you or actions taken for you. We are not obligated to buy, sell or recommend to you any security or other investment that we may buy, sell or recommend for any other clients or for our own accounts. Conflicts may arise in the allocation of investment opportunities among accounts that we manage. We strive to allocate investment opportunities believed to be appropriate for your account(s) and other accounts advised by our firm among such accounts equitably and consistent with the best interests of all accounts involved. However, there can be no assurance that a particular investment opportunity that comes to our attention will be allocated in any particular manner. If we obtain material, non-public information about a security or its issuer that we may not lawfully use or disclose, we have absolutely no obligation to disclose the information to any client or use it for any client’s benefit. Financial Planning Services – Depending upon the particular investment adviser representative that is working with a client, the complexity of the client’s needs, the size of a client’s account, and the client’s relationship to the investment adviser representative, such investment adviser representative may offer financial planning services through Echelon Partners USA to a client that is also utilizing our asset management services (Please understand that certain investment adviser representatives of Echelon Partners USA may not offer financial planning services.). Financial planning services involve preparing a written financial plan covering specific or multiple topics. We provide full written financial plans, which typically address

the following topics: Investment Planning, Retirement Planning, Portfolios Review, Asset Allocation, and Real Estate Planning. When providing financial planning services, the role of your investment adviser representative is to find ways to help you understand your overall financial situation and help you set financial objectives. We also provide modular written financial plans which only cover those specific areas of concern mutually agreed upon by you and us. A modular written financial plan is limited or segmented and does not involve the creation of a full written financial plan. You should be aware that there are important issues that may not be taken into consideration when your investment adviser representative develops his or her analysis and recommendations under a modular written financial plan. Written financial plans prepared by us do not include specific recommendations of individual securities. Our financial planning services do not involve implementing any transaction on your behalf or the active and ongoing monitoring or management of your investments or accounts. You have the sole responsibility for determining whether to implement our financial planning recommendations. To the extent that you would like to implement any of our investment recommendations through Echelon Partners USA or retain Echelon Partners USA to actively monitor and manage your investments, you must execute a separate written agreement with Echelon Partners USA for our asset management services. Newsletters Echelon Partners USA occasionally prepares general, educational and informational newsletters. Newsletters are always offered on an impersonal basis and do not focus on the needs of a specific individual. Workshops Echelon Partners USA will occasionally offer educational and informative workshops to potential and existing clients as well as to associations, family foundations and employers. Workshops are always offered on an impersonal basis and do not focus on the individual needs of the participants. Echelon Partners USA Inc. Page 6 Form ADV Part 2A: Firm Brochure Limits Advice to Certain Types of Investments Echelon Partners USA provides investment advice on the following types of investments:  Mutual Funds  Exchange Traded Funds (ETFs)  Exchange-listed Securities  Equities  Securities Traded Over-the-Counter  Foreign Issues  Fixed Income  Warrants  Corporate Debt Securities  Commercial Paper  Certificates of Deposit  Municipal Securities  US Government Securities  Options Contracts on Securities  Interests in Partnerships Investing in Real Estate  Interests in Partnerships Investing in Oil and Gas Interests  Securities Properly Exempted from Registration  Hedge Funds Although we generally provide advice only on the products previously listed, we reserve the right to offer advice on any investment product that may be suitable for each client’s specific circumstances, needs, goals and objectives. It is not our typical investment strategy to attempt to time the market, but we may increase cash holdings modestly as deemed appropriate based on your risk tolerance and our expectations of market behavior. We may modify our investment strategy to accommodate special situations such as low basis stock, stock options, legacy holdings, inheritances, closely held businesses, collectibles, or special tax situations. (Please refer to Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss for more information.) Tailor Advisory Services to Individual Needs of Clients Echelon Partners USA’s advisory services are always provided based on your individual needs. This means, for example, that when we provide asset management services, you are given the ability to impose restrictions on the accounts we manage for you, including specific investment selections and sectors. We work with you on a one-on-one basis through interviews and questionnaires to determine your investment objectives and suitability information. Our financial planning services are always provided based on your individual needs. When providing financial planning services, we work with you on a one-on-one basis through interviews and questionnaires to determine your investment objectives and suitability information. We will not enter into an investment adviser relationship with a prospective client whose investment objectives may be considered incompatible with our investment philosophy or strategies or where the prospective client seeks to impose unduly restrictive investment guidelines. Echelon Partners USA Inc. Page 7 Form ADV Part 2A: Firm Brochure Client Assets Managed by Echelon Partners USA As of November 22, 2022, Echelon Partners USA has $6,055,382of client assets under management. $5,882,882 is managed on a discretionary basis and $172,500 is managed on a non-discretionary basis (see Item 16 for more information).