9AT: CONCORD ATLANTIC, INC.

CONCORD ATLANTIC, INC.

CONCORD ATLANTIC, INC.

Adviser Profile

As of Date	03/16/2026
Registration	SEC, Approved, 07/07/2021
Other registrations (3)	Maryland, Terminated, 04/20/2022 Massachusetts, Terminated, 04/19/2022 Virginia, Terminated, 04/19/2022
Contact Info	978 xxxxxxx

AUM^*	145,000,000 12%
of that, discretionary	144,000,000 20%
Number of Employees	1
of those in investment advisory functions	1
Private Fund GAV^*	0
Avg Account Size	2,900,000 311%
% High Net Worth	80.00%
SMA’s	Yes
Private Funds	0

Adviser Type

- Large advisory firm

Client Types

- Individuals (other than high net worth individuals)
- High net worth individuals

Advisory Activities

- Portfolio management for individuals and/or small businesses

Compensation Arrangments

- A percentage of assets under your management

Reported AUM

144M 123M 103M 82M 62M 41M 21M

2021 2022 2023 2024 2025 2026

Discretionary

Non-discretionary

Private Funds

No private funds

Employees

Brochure Summary

Overview

A. The Company Concord Atlantic, Inc. (“the Advisor”,"the Company","the Firm") is a privately held company that has been offer- ing investment advice and portfolio management since 1993. Stephen E. Moroz is the principal owner and Man- aging Director of Concord Atlantic, Inc. B. Advisory Services Concord Atlantic provides investment advice and portfolio management to a diverse client base that includes indi- viduals, foundations, trusts and corporate pension plans. The company serves the needs of investors through a broad range of investment solutions. As the cornerstone of the investment program, the Advisor prepares an in- vestment policy statement for each client. Through in-depth consultation, an investment strategy is developed and a customized investment plan is crafted. This document defines the basis for portfolio management and consists of investment objectives, asset allocation, risk management, time horizon and performance reporting. The portfolio formulated from the plan is diversified among various asset classes of stocks, bonds, cash in optimum proportion according to each client’s investment profile. The Advisor seeks to maximize long-term capital growth by investing in well managed companies that generate cash and consistently earn above average rates of return on capital. This is accomplished through purchases

of marketable common stocks at prices that are attractive relative to each company’s long-term intrinsic value. The Advisor manages fixed-income assets to generate income, reduce portfolio volatility and facilitate securities trans- actions. The fixed income investments range from money market products to U.S. government, municipal and cor- porate securities of varying quality, maturity and duration. The Advisor may use selected mutual fund investments in lieu of individual securities to satisfy various asset classes. These investments include “no load” funds, institu- tional funds and “load” funds where the sales charge has been waived for the Advisor. All investments involve risk. Clients must realize that loss of investment principal is a risk they must bear. C. The Advisor manages discretionary accounts however, if the client does not wish to hold a particular security that is their perogative and they must inform the Advisor in writing of their restriction request. D. The Advisor does not participate in “wrap fee” accounts. E. As of 25 MARCH 2023, the total amount of assets under Concord Atlantic's management is approximately $120,00,000. All client assets are managed on a discretionary basis. 25 MARCH 2024 3.