A. Description of the Advisory Firm CONCERT INVESTMENT ADVISORY LLC is a corporation organized in the state of California. It is an SEC registered firm. This firm was formed in May of 2019, and the principal owner is Antonio (Tony) Ramirez . B. Types of Advisory Services CONCERT INVESTMENT ADVISORY LLC (hereinafter “CONCERT INVESTMENT ADVISORY LLC”) offers the following services to advisory clients: Investment Supervisory Services CONCERT INVESTMENT ADVISORY LLC offers ongoing portfolio management services and institutional consulting services based on the individual goals, objectives, time horizon, tax status, liquidity needs and risk tolerance of each client. CONCERT INVESTMENT ADVISORY LLC creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan (the Investment Policy Statement) to aid in the selection of a portfolio that matches each client’s specific situation. Investment Supervisory Services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring • Private Funds • Alternative Investments CONCERT INVESTMENT ADVISORY LLC evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. CONCERT INVESTMENT ADVISORY LLC will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. Types

of Investments CONCERT INVESTMENT ADVISORY LLC uses a variety of investments including private funds, alternative investments, mutual funds, individual equities, options, and ETF/Ns. CONCERT INVESTMENT ADVISORY LLC may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions CONCERT INVESTMENT ADVISORY LLC offers the same suite of services to all of its clients. However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent CONCERT INVESTMENT ADVISORY LLC from properly servicing the client account, or if the restrictions would require CONCERT INVESTMENT ADVISORY LLC to deviate from its standard suite of services, CONCERT INVESTMENT ADVISORY LLC reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. CONCERT INVESTMENT ADVISORY LLC DOES NOT participate in any wrap fee programs. E. Amounts Under Management CONCERT INVESTMENT ADVISORY LLC has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 113,000,000 $0.00 December 2022