SERVICES We offer ongoing portfolio management services on a wrap account basis. Our management services are based on the individual goals, objectives, time horizon, and risk tolerance of each client. We evaluate the current investments of each client with respect to their risk tolerance levels and time horizon. We will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. We offer the following model portfolios: Peak Digital Advice at Betterment: Peak Digital Advice built by Betterment provides you with low cost models built by Betterment, Goldman Sachs, and Blackrock, which provide investors with a range of risk-based portfolios. The more conservative portfolios are designed to focus on delivering current income, with some consideration given to growth of capital. The more aggressive portfolios are predominantly focused on growth of capital. In all instances, the portfolios are constructed to achieve market exposure across both equity and fixed income markets utilizing index funds via ETF’s. Peak Passive ETF Blend (multi-managed) at TD Ameritrade Institutional: Peak Wealth Passive ETF Blend Model Portfolios seek to provide investors with a range of risk-based portfolios. The more conservative portfolios are designed to focus on delivering current income, with some consideration given to growth of capital. The more aggressive portfolios are predominantly focused on growth of capital. In all instances, the portfolios are constructed to achieve market exposure across both equity and fixed income markets, utilizing a combination of passive index models and smart beta factor index models created by providers such as State Street Global Advisors, Standard & Poors, Wisdom Tree, Fidelity, TIAA, Vanguard, and Blackrock iShares, among others and subject to change. These models may include a minority exposure to actively managed interval funds which may not have daily liquidity. Peak Passive ETF (single manager) at TD Ameritrade Institutional: Peak Wealth Passive ETF Model Portfolios seek to provide investors with a range of risk-based portfolios. The more conservative portfolios are designed to focus on delivering current income, with some consideration given to growth of capital. The more aggressive portfolios are predominantly focused on growth of capital. In all instances, the portfolios are constructed to achieve market exposure across both equity and fixed income markets, utilizing passive index models created by providers such as Standard & Poors and Blackrock iShares. These models may include a minority exposure to actively managed interval funds which may not have daily liquidity. Peak CORE (multi-strategist with downside aware) at TD Ameritrade: Peak Core Models blend passive and active management with a tactical downside aware feature. This portfolio is designed for clients with moderate to growth risk tolerance. This portfolio invests primarily in stock funds and bond funds (ETFs or Mutual Funds). These models may include a minority exposure to actively managed interval funds which may not have daily liquidity. Additionally, Alternative Investments may be recommended, which do not have daily liquidity. Peak Wealth Management, LLC Page 5 Appendix 1 – 03/28/2023 Workplace Investing at Fidelity 401/403/457 or TIAA-CREF 401/403/457: Workplace Investing models with both Fidelity and TIAA-CREF seek to provide investors with a range of risk-based portfolios. The more conservative portfolios are designed to focus on delivering current income, with some consideration given to growth of capital. The more aggressive portfolios are predominantly focused on growth of capital. In all instances, the portfolios are constructed to achieve market exposure across both equity and fixed income markets utilizing index funds and/or actively managed mutual funds. Peak Fixed Income: This portfolio seeks to preserve principal and provide current income. It will be primarily invested in fixed income products, consisting of mutual funds, ETF’s, and alternative investments, which do not have daily liquidity. Options Strategy: For this portfolio we screen for highly rated stocks that have been down 10% to 20% or more. We will sell put options on these stocks to generate income. The investments are held for approximately one month, which means it is not a tax efficient strategy. This strategy is meant for the aggressive investor. Peak Money Plus: Assets in this strategy will be invested in a money market fund, certificate of deposit or short-term bond fund. This strategy is meant for the short-term investments. FEES Fees for wrap accounts, except the Options Strategy and Peak Money Plus, are calculated and billed quarterly in advance using the annualized rates below. Custodian Reported Value of Account Management Fee Up to $1,000,000 1.25% $1,000,001 to $3,000,000 1.00% $3,000,001 and Above 0.75% The Options Strategy’s annual management fee is 2.00%. The Peak Money Plus portfolio’s annual management fee is 0.25%. The pro-rated first quarter’s management fee will be calculated on the Account’s initial value as reported by the Account’s custodian. Thereafter, the management fee will be calculated on the Account’s previous quarter-end value as reported by the Account’s custodian. Certain clients may be billed based on previous retired fee schedules. In a wrap account, clients pay a single annual advisory fee for advisory services and execution of transactions. Clients do not pay brokerage commissions, markups or transaction charges for execution of transactions in addition to the advisory fee. However, please see the following disclosures regarding the conflicts of interest associated with a wrap-fee program. Conflict of Interest Disclosure Although clients do not pay a transaction charge for transactions in a wrap fee account, clients should be aware that we pay your custodian the transaction charges for those transactions. The transaction charges paid by us vary based on the type of transaction (e.g., mutual fund, equity or ETF) and for mutual funds based on whether or not the mutual fund pays 12b-1 fees and/or recordkeeping fees to the custodian. Transaction charges paid by us for equities and ETFs are $4.50 to $9. For mutual funds, the transaction charges range from $0 to $26.50. Clients should Peak Wealth Management, LLC Page 6 Appendix 1 – 03/28/2023 understand that the cost to us of transaction charges can be a factor that we consider when deciding which securities to select and how frequently to place transactions in an account. We attempt to mitigate this conflict of interest by placing the clients’ interest ahead of our own through our fiduciary duty and by implementing policies and procedures designed to address the conflict. With Betterment Securities, the client pays an asset-based fee of 0.25% of the account value. Betterment Securities will directly deduct its fee from the client’s account. Please see the Betterment client agreement for additional details. Termination of Portfolio Management Services A client may terminate the Investment Management Agreement for any reason at any time and, within the first five (5) business days after signing the contract, without any cost or penalty. Thereafter, the contract may be terminated at any time by giving seven (7) days written

notice. To cancel the Agreement, the client must notify firm in writing at to Peak Wealth Management LLC, 41011 Ann Arbor Road, Plymouth, MI 48170 and return any materials received to that date. Because we charge in advance, any client that terminates their contract within a month will receive a prorated refund of fees that is based on the amount of time elapsed during the month. For example, if a client cancels on 45 days in to a 90-day quarter, the client will receive a refund of 50% of the fees. (45 days divided by 90 days equal 50 percent.) Please note the prorated refund may be adjusted for additional deposits and withdrawals to the advisory account within the termination quarter. Other Types of Fees and Charges Program accounts will incur additional fees and charges from parties other than us as noted below. These fees and charges are in addition to the advisory fee paid to us. We do not share in any portion of these third-party fees. In our wrap program, we require the client to use TD Ameritrade, Betterment Securities, Fidelity or TIAA as the broker-dealer to execute transactions in the account (collectively the “custodians”). The custodians providing brokerage and execution services on program accounts, will impose certain fees and charges. The custodians notify clients of these charges at account opening and makes available a list of these fees and charges on their websites. The custodians will deduct these fees and charges directly from the client’s program account. There are other fees and charges that are imposed by other third parties that apply to investments in program accounts. Some of these fees and charges are described below.
• If a client’s assets are invested in mutual funds or other pooled investment products, clients should be aware that there will be two layers of advisory fees and expenses for those assets. Client will pay an advisory fee to the fund manager and other expenses as a shareholder of the fund. Client will also pay us the advisory fee with respect to those assets. Most of the mutual funds available in the program may be purchased directly. Therefore, clients could generally avoid the second layer of fees by not using our management services and by making their own investment decisions.
• Certain mutual funds impose fees and charges such as contingent deferred sales charges, early redemption fees and charges for frequent trading. These charges may apply if client transfers into or purchases such a fund with the applicable charges in a program account. Peak Wealth Management, LLC Page 7 Appendix 1 – 03/28/2023
• Although only no-load and load-waived mutual funds can be purchased in a program account, client should understand that some mutual funds pay asset-based sales charges or service fees (e.g., 12b-1 fees) to the custodian with respect to account holdings.
• If client holds a variable annuity as part of an account, there are mortality, expense and administrative charges, fees for additional riders on the contract and charges for excessive transfers within a calendar year imposed by the variable annuity sponsor. Further information regarding fees assessed by a mutual fund, or variable annuity is available in the appropriate prospectus, which is available upon request from us or from the product sponsor directly. Other Important Considerations
• The advisory fee is an ongoing wrap fee for investment advisory services, the execution of transactions and other administrative and custodial services. The advisory fee may cost the client more than purchasing the program services separately, for example, paying an advisory fee plus commissions for each transaction in the account. Factors that bear upon the cost of the account in relation to the cost of the same services purchased separately include the type and size of the account, historical and or expected size or number of trades for the account, and number and range of supplementary advisory and client-related services provided to the client.
• The advisory fee also may cost the client more than if assets were held in a traditional brokerage account. In a brokerage account, a client is charged a commission for each transaction, and the representative has no duty to provide ongoing advice with respect to the account. If the client plans to follow a buy and hold strategy for the account or does not wish to purchase ongoing investment advice or management services, the client should consider opening a brokerage account rather than a program account.
• When we recommend the program to the client, we receive compensation as a result of the client’s participation in the program. This compensation includes the advisory fee and may include other compensation, such as bonuses, awards or other things of value offered by the custodians to us or our associated persons. The amount of this compensation may be more or less than what we would receive if the client participated in other programs, programs of other investment advisors or paid separately for investment advice, brokerage and other client services. Therefore, we may have a financial incentive to recommend a program account over other programs and services.
• The investment products available to be purchased in the program can be purchased by clients outside of a program account, through broker-dealers or other investment firms not affiliated with us. Other Securities Compensation Some of our advisers are registered representatives of Mutual Securities, Inc., member FINRA/SIPC. Through Mutual Securities, Inc., they may sell securities to Peak Wealth Managements, LLC’s clients for a commission. This causes a conflict of interest because the commissions from Mutual Securities, Inc. are separate from the fees outlined above. Our advisers attempt to mitigate this conflict of interest to the best of their ability by placing the client’s interest ahead of their own through their fiduciary duty. Additionally, it is our policy that Peak Wealth Management, LLC Page 8 Appendix 1 – 03/28/2023 recommended securities purchases do not have to be purchased through our advisers or any affiliate. Our advisers can also sell mutual funds through Mutual Securities to clients. Some mutual funds have 12b-1 fees which are operation expenses charged annually to the mutual fund. As a registered representative our advisers receive a portion of the 12b-1 fees. This creates a financial incentive to recommend mutual funds with 12b-1 fees. Our advisers attempt to mitigate this conflict of interest to the best of their ability by placing the client’s interest ahead of their own through their fiduciary duty. We require our advisers to disclose to the client whether a recommended mutual fund has a 12-b1 fee. It is our policy that recommended mutual fund purchases do not have to be purchased through any of our advisers. Additionally, any mutual funds sold through Mutual Securities and any mutual funds with 12b-1 fees will not be used in any client’s investment advisory portfolio. Retirement Rollover Conflicts of Interest When we recommend you rollover a retirement account for us to manage, this creates a financial incentive because we charge a fee for our services. We attempt to mitigate the conflict of interest by acting in your best interest and applying an impartial conduct standard to all rollovers. Please note that you are not under any obligation to roll over a retirement account to an account managed by us.