A. ABOUT THE BUSINESS Wealth Quarterback LLC (“WQL”) is a Limited Liability Company investment advisory firm organized in the State of Delaware. The principal owner is Josh Adam Jalinski. WQL was registered with the State of New Jersey from 2016 to 2019. WQL has been registered with the Securities and Exchange Commission (“SEC”) since June 2019. The owner, Josh Jalinski, is also known as The Financial Quarterback®. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "WQL", "we," "our," "us" and the “Firm” refer to Wealth Quarterback, LLC and the words "you," "your," and "client" refer to you as either a client or prospective client of our Firm. B. INVESTMENT ADVISORY SERVICES WQL provides discretionary investment advisory services to individuals, high net-worth individuals, charitable organizations and pension and profit-sharing plans (see below). Before engaging WQL to provide investment advisory services, clients are required to enter into an agreement with WQL setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the fees that a client will incur (see fee schedule at Item 5 below). WQL provides investment advisory services specific to the needs of each client. Before providing investment advisory services, WQL will ascertain the client’s investment objective(s). WQL will then allocate (or recommend that the client allocate) the portfolio consistent with the designated investment objective(s). To the extent specifically requested, and separately engaged to provide same, by an individual client, WQL will generally provide financial planning and consulting services.
SELECTION OF OTHER ADVISERS WQL may also direct clients to unaffiliated, third-party investment advisers to manage all or a portion of the client's assets. Responsibility for determining whether services from a third-party investment adviser are appropriate for a particular client is vested exclusively with WQL. FINANCIAL PLANNING To the extent requested by a client, WQL also provides financial planning and/or consulting services (including investment and non-investment related matters, including estate planning, insurance planning, etc.) on a stand-alone separate fee basis. Before engaging WQL to provide planning or consulting services, clients are required to enter into a Financial Planning and Consulting Agreement with WQL setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client before WQL commences services. Upon request from a client, WQL recommends the services of other professionals for implementation purposes including certain of WQL’s representatives in their separate licensed capacities as licensed insurance agent (See Item 10 below). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from WQL. If the client engages any such recommended professional, and a dispute arises thereafter regarding an engagement, the client agrees to seek recourse exclusively from and against the engaged professional. It remains the client’s responsibility to promptly notify WQL if there is ever any change in their financial situation or investment objectives for the purpose of WQL revising its previous recommendations or services. ERISA PLAN ENGAGEMENTS WQL may be engaged to provide investment advisory services to ERISA retirement plans (“Plan”), whereby the Firm shall manage Plan assets consistent with the investment objective designated by the Plan sponsor. In such engagements, the Firm will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). The Firm will generally provide services on an “assets under management” fee basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the Firm. WQL may also provide investment advisory services to participant directed retirement plans per the terms and conditions of a Retirement Plan Consulting Agreement between WQL and the plan. For such engagements, WQL shall assist the Plan with the selection of an investment platform from which Plan participants shall make their respective investment choices, and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision-making process. FINANCIAL EDUCATION SEMINARS WQL conducts financial education seminars on topics such as tax efficient retirement income, cash balance plans, retirement planning, etc. We may partner with an insurance company, estate planning attorney, and other professionals to offer these seminars. Seminar participants may subsequently choose to participate in a complimentary initial consultation with us. The consultation generally will consist of a broad review of your financial situation, issues, and concerns. We will also explain the services we offer. MISCELLANEOUS Limitations of Financial Planning and Non-Investment Consulting and Implementation Services. As indicated above, to the extent requested by a client, WQL provides financial planning and related consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. We do not serve as an attorney or accountant, and no portion of our services should be construed as same. Accordingly, we do not prepare estate planning documents or tax returns. To the extent requested by a client, we recommend the services of other professionals for certain non- investment implementation purpose (i.e. attorneys, accountants, insurance, etc.), including WQL’s representatives in their separate individual capacities as representatives of Purshe Kaplan Sterling Investments (“PKS”), an SEC registered and FINRA member broker-dealer, and as licensed insurance agents of Jalinski Advisory Group, Inc. (“Group”), WQL’s affiliated insurance agency. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from WQL and/or its representatives. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. The recommendation by WQL that a client purchase a securities or insurance commission product through WQL’s representatives in their separate individual capacities as representatives of PKS or as an insurance agent of “Group”, presents a conflict of interest, as the receipt of commissions provides an incentive to recommend investment and /or insurance products based on commissions [including overrides] to be received, rather than on a particular client’s need. No client is under any obligation to purchase any securities or insurance commission products from any insurance agents of Jalinski Advisory Group, Inc. Clients are reminded that they may purchase securities and insurance products recommended by WQL through other, non-affiliated broker-dealers and/or insurance agencies. WQL’s Chief Compliance Officer, Thomas J. Clancy, remains available to address any questions that a client or prospective client may have regarding the above conflict of interest. Independent Managers/Sub-Advisors. WQL may also allocate (or recommend that the client allocate) a portion of a client’s investment assets among unaffiliated independent investment managers and/or sub-advisors, and/or various unaffiliated third-party advisers (“Independent Manager(s)”) in accordance with the client’s designated investment objective(s). In such situations, the Independent Manager(s) and/or sub-advisors shall have day-to-day responsibility for the active discretionary management of the allocated assets. WQL shall continue to render investment supervisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. Factors which WQL shall consider in recommending Independent Manager(s) and/or sub-advisors

include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fee charged by the Independent Manager(s) and/or sub-advisors is separate from, and in addition to, WQL’s advisory fee as set forth in the fee schedule at Item 5 below. An exception may occur when WQL serves as a solicitor for an Independent Manager, in which event WQL shall not receive an advisory fee as set forth in the fee schedule at Item 5 below. Rather, WQL shall receive a disclosed portion of the Independent Manager’s investment management fee charged to the client. Rollover A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”),or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If WQL recommends that a client roll over their retirement plan assets into an account to be managed by WQL, such a recommendation creates a conflict of interest if WQL will earn an advisory fee on the rolled over assets. No client is under any obligation to rollover retirement plan assets to an account managed by WQL. WQL’S Chief Compliance Officer, Thomas J. Clancy, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. If the client is: (i) a participant or beneficiary of a Plan subject to Title I of the Employee Retirement Income Security Act of 1974 (“ERISA”) or described in section 4975(e)(1)(A) of the Internal Revenue Code, with authority to direct the investment of assets in his or her Plan account or to take a distribution; (ii) the beneficial owner of an IRA acting on behalf of the IRA; or (iii) a Retail Fiduciary with respect to a plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code, then WQL represents that it and its representatives are fiduciaries under ERISA or the Internal Revenue Code, or both, with respect to any investment advice provided by WQL or its representatives or with respect to any investment recommendations regarding an ERISA Plan or participant or beneficiary account. Custodians for Advisor Accounts. As discussed below at Item 12, unless the client directs otherwise, WQL shall generally recommend that Fidelity, Charles Schwab, Interactive Brokers, or Nationwide, serve as the broker-dealer/custodian for client investment advisory assets. Broker- dealers/custodians charge brokerage commissions and/or transaction fees for effecting securities transactions. In addition to WQL’S investment management fee, brokerage commissions and/or transaction fees, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g. management fees and other fund expenses). Orion Advisor Technology. WQL has engaged Orion Performance Reporting for enhanced client performance reporting and other administrative services. Clients are subscribed to Orion Performance reporting. Clients can access Orion performance reporting online portal upon request to review portfolio holdings, performance, and other portfolio attributes. Market values in Orion are typically updated daily and include accrued interest and accrued dividends. Client custodian accounts are reconciled daily by Orion. Clients will be subject to a technology fee totaling 35 dollars annually per account billed 8.75 quarterly. Mutual Funds. Most mutual funds are available directly to the public. Thus, a prospective client can obtain many of the mutual funds that may be recommended and/or utilized by WQL independent of engaging WQL as an investment advisor. However, if a prospective client determines to do so, they will not receive WQL’S initial and ongoing investment advisory services. Where the client chooses to engage WQL as an investment advisor such mutual fund fees are separate from and in addition to the advisory fee charged by WQL. Portfolio Activity. WQL has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, WQL will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, mutual fund manager tenure, style drift, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when WQL determines that changes to a client’s portfolio are neither necessary nor prudent. Of course, as indicated below, there can be no assurance that investment decisions made by WQL will be profitable or equal any specific performance level(s). Client Obligations. In performing our services, WQL shall not be required to verify any information received from the client or from the client’s other professionals and WQL is expressly authorized to rely thereon. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify WQL if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Cash Sweep Accounts. Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion, Wealth Quarterback shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund (or other type security) available on the custodian’s platform, unless Wealth Quarterback reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account and a money market fund, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. Please Note: The above does not apply to the cash component maintained within a Wealth Quarterback actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager, and cash balances maintained for fee billing purposes. Please Also Note: The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any Wealth Quarterback unmanaged accounts. ANY QUESTIONS: Wealth Quarterback’s Chief Compliance Officer, Thomas J. Clancy, remains available to address any questions that a client or prospective client may have regarding the above. Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by WQL) will be profitable or equal any specific performance level(s). C. TAILORED PROGRAMS WQL will tailor a program for each individual client. Before providing investment management services, an investment adviser representative will ascertain each client’s investment objectives. WQL will then allocate investment assets consistent with the client’s investment objectives. The client may, at any time, impose reasonable restrictions, in writing, on WQL’s services. WQL may use a financial software Leap Pro which is owned by Penn Mutual. www.leapcp.com D. WRAP FEE PROGRAM WQL does not participate in or sponsor a wrap fee program. E. ASSETS UNDER MANAGEMENT As of December 31, 2023, WQL manages $ 284,017,587 on a discretionary basis and $ 4,058,696 on a non-discretionary basis.