BlueChip Wealth Advisors, LLC (“BCWA”) BCWA was established in April 2007 and approved as a Registered Investment Adviser in August 2009. Marcus Ashworth owns 100% of BlueChip Wealth Advisors of BCWA. Below is a description of the investment advisory and financial planning services offered by BCWA, including, but not limited to, BCWA’s fee schedules, a description of how fees are charged, whether fees are negotiable, when compensation is payable, refund policies and other applicable information. For more detail on any product or service please reference your advisory agreement, wrap brochure (if applicable) or BCWA Investment Advisory Representative (“IAR”). For its investment advisory clients, the firm presently offers the following types of advisory services: I. BCWA Advisor Managed Accounts a. National Financial Services (NFS) b. Charles Schwab & Co. (Schwab) c. SEI Private Trust Company (SEI) d. Fidelity Brokerage Services (Fidelity) II. BCWA Third Party Managed Fee Accounts a. Charles Schwab & Co. (Schwab) b. SEI Private Trust Company (SEI) III. Wrap Account a. National Financial Services (NFS) b. SEI Private Trust Company (SEI) IV. Financial Planning V. Retirement Plan Services VI. Other Services Below are descriptions of the accounts or services that BCWA offers, the basic management fee structures and any unique characteristics. For a more complete discussion and disclosure regarding any Account’s services or fee structure, BCWA will provide the client a detailed advisory agreement and/or the third- party investment manager’s ADV Part 2A and wrap fee brochure, as applicable. Portfolio Management—Advisor Managed Programs Advisor Managed Accounts are based on the individual objectives of each client portfolio and may or may not represent the overall objectives of the clients’ total investments. BCWA recommends and employs various investment strategies. BCWA Advisor Managed accounts are designed to provide discretionary management by an Advisor of the firm. BCWA assists each client in formulating investment objectives and manages the account within established guidelines regarding, among other matters, diversification and designation of securities that may be purchased. As part of this service, each client portfolio is tailored to their particular investment needs and circumstances. The available risk strategies correlate to asset allocation models developed by BCWA based on target allocations for various asset classes and sub- classes. The Advisor-Managed Accounts give our IARs the ability to customize asset allocation, investment selection, and investment strategies to meet each client’s individual financial situation and investment objectives. Accounts are periodically rebalanced toward their asset allocation target or reallocated based upon changes to the client’s risk tolerance or investment committee monitoring. Portfolio Management accounts may be custodied at National Financial Services (“NFS”), Fidelity Brokerage Services , SEI Private Trust Company, or Charles Schwab & Co. (“Schwab”) For these accounts, each portfolio is tailored to a client’s particular investment needs and circumstances. This includes discretionary investment management in accounts based on the client’s investment needs and a risk strategy (from conservative to aggressive), which is selected in conjunction with the client and incorporated into the account agreement. Depending on the client’s investment objectives, the advisor may manage and provide advice on mutual funds, stocks, bonds, exchange traded funds (ETFs), LPs, and options. Alternative investments may be recommended to qualified investors based on the client’s objectives and risk tolerance. Alternative investments could include real estate, Private Equity, Hedge Funds, Commodities, etc. Alternative Investments can provide diversification benefits to traditional portfolios of stocks and bonds. Wrap Fee Programs Our Firm offers three different type of wrap fee programs which are custodied at National Financial Services (“NFS”) and SEI Investment Company (“SEI”). AT SEI we offer two different accounts in which one is the SEI Managed Account Solutions Independent Advisor Solutions (IAS) and the SEI Managed Account Solutions (MAS)--SEI Private Wealth Management. The third wrap fee program, the Peak account, is custodied at NFS. The IAS Wrap Fee account is an account where the Client appoints their Independent Advisor as their investment advisor to assist the Client in selecting an appropriate investment strategy for their portfolio. The Client appoints SIMC, (“SEI Investments Management Corporation) to manage the assets in each portfolio in accordance with the strategy recommended by their Advisor and selected by the Client. The IAS account consists of three distinct investment programs administered by SIMC, each program encompassing various investment strategies available for use investment advisors. The three programs available under IAS are: (1) the “Individual Manager Strategies” which are individual investment strategies (or model investment portfolios) constructed by third party investment managers selected and overseen by SIMC (“Portfolio Managers”) or, in certain cases, constructed and directly managed by SIMC, covering a broad spectrum of investment styles; (2) the “Manager Strategies Solutions,” consisting of SIMC, designed and managed model portfolios allocated to multiple Individual Manager Strategies (e.g., the coordinated use of multiple Individual Manager Strategies in one investment account); and (3) the ”Models-Based Strategies” consisting of investment strategy models managed directly by SIMC, comprised of either SIMC’s proprietary family of mutual funds (“SEI Funds”), exchange traded funds (“ETFs”) selected by SIMC,, or families of third- party mutual funds or ETFs managed by well-established fund/ETF sponsors working with IAS to promote and distribute IAS solutions. IAS, and the three programs available within IAS, are further described in the Account Application that the Client and their Independent Advisor complete to invest in the noted program. Please refer to the Appendix 1 Wrap Fee Brochure from SEI Investments Management Corporation for more information about the programs available. Under MAS, SIMC Clients may select SIMC to manage individual portfolios of stocks and bonds within specific investment strategy categories. However, SIMC generally hires third-party sub-advisors to manage these specific investment strategies either directly or through the sub-advisor providing SIMC with its investment model portfolio with SIMC then implementing the sub-advisor’s investment model. Under this program, SIMC makes available two broad categories of investment strategies that are referred to throughout their wrap fee brochure as “SIMC Managed Account Strategies”: (i) individual investment strategies (or model investment portfolios) of third party investment managers selected and overseen by SIMC (“Portfolio Managers”) covering a broad spectrum of investment styles; and (ii) SIMC designed and managed investment strategies (or model investment portfolios), including strategies that allocate to various Portfolio Managers, or strategies managed directly by SIMC comprised of SEI Funds, exchanged traded funds or third-party funds. Please refer to the Appendix 1 Wrap Fee Brochure from SEI Investments Management Corporation for more information about the programs available. Our third wrap fee program is called Peak which is a wrap account. The non-wrap account is called the Crest account. In a Peak account, the client pays a single fee that covers the advisory services and the execution of transactions through NFS. Clients that anticipate trading primarily in equities and ETFs are typically recommended to open a wrap fee account; clients that anticipate trading in mutual funds with little or no anticipated trading in equities and ETFs will be recommended to open a non- wrap fee account. Please refer to the Appendix 1 Wrap Fee Brochure from Arkadios Wealth Advisors for more information about the program. In a Crest account, clients pay an advisory fee plus additional transaction- based charges (see Item 5 for more information on fees). Several other factors influence the selection of the account structure, including but not limited to the account size; anticipated trading frequency; anticipated types of securities to be traded; and long-term investment goals. Third Party Managed Accounts Third Party Managers are evaluated by the BCWA Investment Committee for client use. The service includes assisting clients in identifying

their investment objectives and matching personal and financial data with a list of investment managers that meets the BCWA Investment Committee’s minimum quantitative and qualitative criteria. The intent of the program is to provide a select list of quality and recognizable investment management firms from which one or more managers are selected to handle the day-to-day management of the client’s account(s). Third party managed accounts may utilize ETF, Mutual Fund, SMA, Equities, Bonds, Alternatives, and other types of investments. Among the criteria that may be considered for inclusion in the program are the manager’s experience, assets under management, performance record, client retention, the level of client services provided, investment style, buy and sell disciplines, capitalization level, expenses, and the general investment process. When recommending outside investment managers, the firm first analyzes the client's investment objectives, risk tolerance and existing portfolio, if applicable, to determine the investment style that will best facilitate the desired diversification and tax situation of the portfolio. The firm then identifies strategies or managers who exhibit the desired investment attributes. The firm helps the client measure the performance of the managers by making comparisons to appropriate benchmarks. Depending on client objectives, the firm advocates an active/passive investment strategy using a diversified approach. The firm may at any time terminate the relationship with a third-party manager that manages clients’ assets. Factors involved in the termination of an advisor may include a failure to adhere to management style or clients’ objectives, a material change in the professional staff of the advisor, unexplained poor performance, dispersions of client account performance, or the firm’s decision to no longer include the advisor as one of its preferred program managers. Clients are advised and should understand that:  A manager’s past performance is no guarantee of future results. There is a certain market and/or interest rate risk which may adversely affect any advisor’s objectives and strategies and could cause a loss in a client's account(s); and Client risk parameters or comparative index selections provided to the firm are guidelines only - there is no guarantee that they will be met or not be exceeded.  Accounts in the BCWA program are managed by the selected independent manager. Information collected by BCWA regarding selected managers is believed to be reliable and accurate, but the firm does not independently verify it on all occasions. All performance reporting will be the responsibility of the respective manager and is provided directly to the clients and the firm. The firm does not audit nor verify that these results are calculated on a uniform or consistent basis as provided by a manager directly to the firm or through the consulting service utilized by the manager or the firm.  The minimum account size will vary from manager to manager. All such minimums will be disclosed in the respective manager’s ADV document. The firm may have the ability to negotiate such minimums. Third Party Managed accounts are custodied at Schwab and SEI. Financial Planning BCWA offers advice in the form of a Financial Plan. The Firm may provide either financial consulting or a comprehensive financial plan tailored to meet the client’s needs and financial objectives as described by the client. During meetings with the client, the investment philosophy, risk tolerance, investment objectives, financial position, insurance needs, tax objectives, trust and estate issues are discussed. Clients will receive a written plan, providing the client with a detailed financial plan designed to achieve their stated financial goals and objectives. Our Firm offers three different types of financial plans or financial consulting to best fit our client needs. These financial plans are further described below: The BlueChip Standard The BlueChip Standard is our Firm’s premier asset management service. Clients will receive highly personalized service from an Advisor that will review and manage all aspects of your investments. You can expect an efficient experience based on a holistic wealth management offering supported by new research findings and best-in-class technology. Your Advisor will provide a full overview of included services during your discovery meeting. This service is only for Clients who also have an advisory account with BCWA which is included in their advisory fee. An eMoney subscription is also automatically included with the advisory fee under this plan. The BlueChip Retirement Plan includes a Net Worth Statement, Asset Allocation Analysis (current versus proposed), Monte Carlo Analysis Study, Holdings Detail Report, Efficient Frontier Study on Current Portfolio, Projected Asset Calculation, Holdings Gain/Loss Report, Projected Income during retirement calculation, Recommended Asset Allocation Report, and Abbreviated Income/Expense Projection. Other reports available at request. The Reports and an Explanation of Results will be presented and reviewed during a final meeting that typically lasts 2 – 3 hours. If the Client elects to enroll in an eMoney monthly subscription, the eMoney Account Set-up, Implementation, and 1 hour Tutorial is complimentary. The BlueChip Comprehensive Retirement Plan includes everything in the BlueChip Retirement Plan plus an additional in-depth Cash Flow Analysis, Social Security Analysis & Income Calculation on when to begin, Projected Retirement Income Modeling, Analysis of current 401k plans, pensions, and other retirement plans and projected incomes, Estimate of Inflation and the impact it might have on income during retirement. A Comprehensive Insurance Analysis is available upon request. The Firm encourages clients to use the services of an estate attorney and does not render legal advice. The Firm also will not advise the client or act for the client in any legal proceedings, including bankruptcies, involving securities held or previously held, or the issuers of those securities. The Firm will not vote proxies for securities held in client accounts. If the client requests BCWA to provide investment management services with respect to the Excluded Assets, the client may engage BCWA to do so for a separate and additional fee. Retirement Plan Services The Firm also provides retirement plan services to businesses which may include plan level services such as discretionary management services, non-discretionary management services, and investment advisory services related to different types of retirement plans. When providing management services, the firm is responsible for implementing recommendations. When the firm is providing advisory services, the client is responsible for implementation of recommendations. Other Services The Firm offers other services in an effort to meet our client’s needs. In the event a client wishes to have our assistance with a one-time financial plan or consulting, then we offer The BlueChip Project. The BlueChip Project is a flexible service made available to both current and prospective Clients who may require Financial Planning, Retirement Planning, Estate Planning, Insurance Planning, College Planning, and/or Advisory Consulting services on an ad-hoc basis. Deliverables and a full scope of the project with estimated hours will be determined during an initial consult. The BlueChip eMoney Account is available to individuals that do not otherwise engage BCWA for asset management services, financial / retirement planning, or advisory consulting services but desire an eMoney account. This plan includes eMoney account Set-up, Implementation, and a 1-hour Tutorial. This plan does not include financial / retirement planning or advisory consulting services. eMoney is a service that provides comprehensive reporting services which can incorporate all of the client’s investment assets, including those investment assets that are not part of the assets managed by BCWA (the “Excluded Assets”). Should the client utilize these reporting services, the Client acknowledges and understands that with respect to the Excluded Assets, BCWA’s service is limited to reporting and data storage services only and does not include investment management, review, or monitoring services, nor investment recommendations or advice. As such, BCWA will not be responsible for the investment performance of the Excluded Assets As of December 31, 2023, BCWA managed $485,084,699 in assets, all of which was managed on a discretionary basis.