Firm Description PATHFINDER WEALTH ADVISORS LLC was founded in 2014. PATHFINDER WEALTH ADVISORS LLC provides personalized confidential investment management and financial planning primarily to individuals, trusts and to closely held businesses. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, succession planning and estate planning. In addition the firm offers individual and trust income tax preparation to clients who have contracted for financial planning and/or investment management. PATHFINDER WEALTH ADVISORS LLC is strictly a fee-only financial planning and investment management firm. The firm does not receive commissions for purchasing or selling annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. An evaluation of each client's initial situation is provided to the client. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed to the client in the unlikely event they should occur. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client. Principal Owners Josephine LaSpina Trotta is the sole owner of the firm. Types of Advisory Services PATHFINDER WEALTH ADVISORS LLC provides discretionary and non- discretionary investment advisory services, also known as asset management services. On more than an occasional basis, PATHFINDER WEALTH ADVISORS LLC furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, and trust services that often include estate planning. Tailored Relationships The goals and objectives for each client will be documented. Investment policy statements are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without client consent. Client Assets Pathfinder Wealth Advisors, LLC has $69,174,412 (Discretionary) and $701,701 (Non-Discretionary) Assets Under Management totaling $69,876,113 as of December 31, 2023. Types of Agreements The following agreements define the typical client relationships. Advisory Contract (AC) Most clients choose to have PATHFINDER WEALTH ADVISORS LLC manage their assets in order to obtain ongoing in-depth advice and life planning. Most aspects of the client’s financial

affairs are reviewed. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for an Advisory Contract is provided to the client in writing prior to the start of the relationship. An Advisory Contract may include: cash flow management; insurance review; portfolio management (including performance reporting); education planning; philanthropic planning; review of employee benefits, retirement planning; estate and succession planning; and tax planning and preparation, as well as review of the implementation of recommendations within each area. The annual Advisory Contract fee is based upon whether the client service is only portfolio management or if other services beyond portfolio management are included. If portfolio management is included, the fee is based on a percentage of the investable assets according to the following schedule: 1.00% on the first $1,000,000; 0.80% on the next $1,000,000); and Negotiable on the assets above $2,000,000. If services requested are significantly beyond portfolio management, the fee for the services beyond portfolio management will be a flat fee based upon the complexity and type of services rendered as well as consideration of the portfolio management with reference to the above schedule. See Other Fees below. The client or PATHFINDER WEALTH ADVISORS LLC may terminate an AC by written notice to the other party. At termination, fees billed for the quarter and paid in advance of termination will be refunded based upon a proration of the fee from the beginning of the quarter until termination. Tax preparation work may be performed as an integral part of the Advisory Contract. Eligible federal and applicable state returns are generally filed electronically without an additional fee to the client. Hourly Planning Engagements PATHFINDER WEALTH ADVISORS LLC provides hourly planning services for clients who need advice on a limited scope of work. The hourly rate for limited scope engagements is $300.00 per hour. Asset Management Assets are invested primarily in no-load mutual funds and exchange-traded funds, usually through discount brokers. The brokerage dealer custodian may charge a transaction fee for the purchase of some funds. Stocks and bonds may be purchased or sold through a brokerage account when appropriate. The brokerage firm may charge a transaction fee for stock and bond trades. PATHFINDER WEALTH ADVISORS LLC does not receive any compensation, in any form, from fund companies. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, U. S. government securities, options contracts, futures contracts, and interests in partnerships. Termination of Agreement The client or PATHFINDER WEALTH ADVISORS LLC may terminate an AC by written notice to the other party. At termination, fees billed for the quarter and paid in advance of termination will be refunded based upon a proration of the fee from the beginning of the quarter until termination.