Wharton Wealth Management, LLC (“WWM”) is an investment adviser registered with the United States Securities & Exchange Commission (“SEC”) that provides investment advisory services to clients (each, a “Client” and together, “Clients”), as further described below. WWM is a Pennsylvania limited liability company which has been in existence since 2015. WWM’s principal owner and managing member is Robert C. Gueriera, Jr. Investment Advisory Services The investment advisory services (the “Services”) offered to WWM’s Clients include discretionary and non-discretionary asset management and related services across a broad range of investment strategies and asset classes, as well as comprehensive financial planning, WWM’s Services consist of the ongoing and continuous review and management of each Client’s investment assets consistent with each Client’s investment profile, risk tolerance and objectives. WWM also provides reports on the Client’s assets, fees and performance. In providing discretionary advisory services, WWM will make investment decisions as to the securities to purchase and sell in the Client’s portfolio, and the amount of securities to purchase and sell in such portfolios without prior notice to or consent of the Client. In non-discretionary relationships, WWM will not engage in any transactions in Client accounts without the Client’s prior instructions or consent. WWM does not hold itself out as specializing in a particular type of advisory service. In providing the Services, WWM reviews each Client’s financial situation to understand the goals and objectives of each Client. WWM then prepares a strategy tailored to the individual needs of each Client. WWM takes into consideration the investment objectives, risk tolerance(s), time horizon(s), income needs, tax situation any other financial, personal and professional characteristics of each Client when preparing an investment policy statement (“IPS”) and when choosing which investments to use in each Client’s account. WWM supervises and rebalances the Client’s portfolio as changes in market conditions and the Client’s circumstances may require. WWM primarily advises Clients with respect to investments in securities, insurance products, real estate, private investments. WWM may also, at its discretion, provide advice on any type of investment held in a Client’s portfolio at the inception of the advisory relationship or concerning any investment for which the Client requests advice, whether or not included in the assets under management with WWM. Each Client portfolio is tailored to meet the individual needs of each individual Client, based on the investment objectives, time horizon, income needs, tax situation, and risk profile of each Client. The Clients may also communicate to WWM restrictions on securities, asset classes, custodians, holdings or any other personal restriction they would like to impose on their portfolios in their IPS. Wharton Wealth Management, LLC 5 March 27, 2024 WWM’ Investment Adviser Representatives (“Advisory Representatives”) may periodically recommend and refer Clients to unaffiliated money managers or investment advisers at its discretion or Client’s request. In such circumstances where your Advisory Representative deems this appropriate, either WWM will enter into sub-advisory agreements with such managers, and these sub-advisors will receive an investment advisory fee computed based on a fee schedule established with WWM, or the Client will enter a separate agreement with the unaffiliated adviser and the adviser will be compensated based on a fee schedule negotiated between Client and the adviser. In the case of a sub-adviser relationship between WWM and the unaffiliated adviser, fees for the sub-adviser will be debited directly from the Client’s managed account. In the case of a direct contract between Client and adviser, fees will be paid in the manner negotiated between Client and the adviser. In either case, WWM’s Advisory Representative will assist and advise the Client in establishing investment guidelines for these accounts so that they are consistent with the Client’s overall portfolio and objectives. VISION2020 WEALTH MANAGEMENT PLATFORM – ADVISOR MANAGED PORTFOLIOS The Wealth Management Platform – Advisor Managed Portfolios Program (“Advisor Managed Portfolios”) provides comprehensive investment management of your assets through the application of asset allocation planning software as well as the provision of execution, clearing and custodial services through Pershing, LLC ("Pershing") or National Financial Services, Inc. (“NFS”). Advisor Managed Portfolios provides risk tolerance assessment, efficient frontier plotting, fund profiling and performance data, and portfolio optimization and re-balancing tools. Utilizing these tools, and based on your responses to a risk tolerance questionnaire (“Questionnaire”) and discussions that we have together regarding, among other things, your personal investment objective and goals, time horizon, risk tolerance, account restrictions, needs, personal circumstances and overall financial situation, we construct a portfolio of investments for you. Your Advisory Representative has the option to allocate your portfolio amongst a mix of stocks, bonds, options, Exchange-Traded Funds, mutual funds and other securities (“Program Investments”) which are based on your investment goals, objectives, and risk tolerance. Each portfolio is designed to meet your individual needs, stated goals and objectives. Additionally, you have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. For further Advisor Managed Portfolios details please see the Advisor Managed Portfolios Wrap Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in Advisor Managed Portfolios. Please read it thoroughly before investing. VISION2020 WEALTH MANAGEMENT PLATFORM – UNIFIED MANAGED ACCOUNT PROGRAM The Wealth Management Platform Unified Managed Account (“UMA”) provides you with the opportunity to invest your assets across multiple investment strategies and asset classes by implementing an asset allocation strategy. WMAP is a Wrap Account program that offers these Wharton Wealth Management, LLC 6 March 27, 2024 advisory services along with brokerage and custodial services for a single, annual, asset-based advisory fee. After you discuss your financial goals and objectives with your Advisory Representative, we wil recommend an asset allocation model (“UMA Model”) to you which will consist of: (a) Investment strategies serviced and created by investment managers or your Advisory Representative that generally consist of a selection of mutual funds, Exchange-Traded Products, equities, and/or bonds; (b) Mutual Funds and ETFs (“Funds”); (c) Or a combination of the preceding bundled together in an investment asset allocation model. We will recommend a UMA Model to you based on your responses to a Questionnaire and discussions that we have together regarding among other things, your personal investment objectives and goals, time horizon, risk tolerance, account restrictions, needs, personal circumstances and overall financial situation. In addition, you can place reasonable restrictions on investments held within your UMA account. All recommendations in the UMA are made on a discretionary basis, which means your Advisory Representative can act without your prior approval. For further details, please refer to the Wealth Management Platform – Unified Managed Account Wrap Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in UMA. Please read it thoroughly before investing. THIRD PARTY ADVISORY SERVICES We may also offer you the services of various third party money managers (“Third-Party Money Managers” or “TPMMs”)

for the provision of certain investment advisory programs including mutual fund wrap and separately managed accounts. In doing so, we act in a “co-advisory” capacity. When acting in a co-advisory capacity, WWM and the Third-Party Money Manager are jointly responsible for the ongoing management of your account. In connection with this arrangement, your Advisory Representative will provide assistance in the selection and ongoing monitoring of a particular Third-Party Money Manager. Factors WWM considers in selection of a particular Third-Party Money Manager include, but are not limited to: (1) Our assessment of a particular Third-Party Money Manager; (2) Your risk tolerance, goals, objectives and restrictions, as well as investment experience; and (3) The assets you have available for investment. Wharton Wealth Management, LLC 7 March 27, 2024 In addition to the advisory relationship that you will have with these Third-Party Money Managers, you will also enter into an advisory relationship with WWM by signing our investment management agreement. If you are interested in learning about these services, please note that a complete description of the programs, services, fees, payment structure and termination features are available through the applicable Third-Party Money Manager’s disclosure brochure, investment advisory agreement, and account opening documents. You should understand that the services provided by us through these Third-Party Money Managers are under certain conditions directly offered by them to you. The fees charged by Third-Party Money Managers who offer their programs directly to you may be more or less than the combined fees charged by the Third-Party Money Managers and WWM for our participation in the investment programs. Trading by Third-Party Money Managers may sometimes trigger wash sale rule implications. A wash sale occurs when a security is sold at a loss and then the same or substantially identical security is repurchased within a short time period. The Third-Party Money Manager may not be able to manage accounts in a manner to avoid wash sale implications. Your are encouraged to consult with a tax advisor to discuss any tax implications involving your portfolios in these and in all advisory programs. As of December 31, 2023, WWM managed $148,196,485 in assets for 952 accounts under discretionary investment management agreements. Pension Consulting Pension consulting services offered by WWM include the following category of services: Plan Design: Evaluation, design, testing and formation of qualified and/or non- qualified plans. Plan Implementation: Selection of investment options, identification and education of Plan Participants, preparation of Plan documents and Participant information, and selection of necessary financial, accounting and legal service providers. Plan Administration: Provide administrative services to Plan Sponsor for collection and processing of Participant documentation, assist in enrolling and terminating Participants’ participation in the Plan(s), providing educational meetings with Participants, and assisting Plan Sponsor in annual and periodic reviews of Plan options. In essence, WWM provides support to companies offering qualified and non-qualified retirement plans to employees. WWM’s consulting services are structured to satisfy the Client’s plan objectives, such as maximizing employee contributions and increasing employee satisfaction and retention, among others. WWM serves various types of qualified and non-qualified plans and offers customized solutions to meet each Client’s individual needs. Wharton Wealth Management, LLC 8 March 27, 2024 Financial Planning WWM offers a variety of financial planning and consultation services to individuals, families, businesses, institutions, trusts and charitable organizations regarding the management of their financial resources based upon an evaluation of a number of factors. In general, WWM’s financial planning services involve preparing a financial plan for Client that incorporates Client’s present financial circumstances, future financial goals and risk parameters. This planning may encompass one or more of the following areas: investment, retirement and estate planning, charitable gifting, portfolio analysis, business succession planning and institutional financial management. In developing the financial plan, WWM will undertake the following steps: 1. Gather the financial, biographical and personal information necessary to develop the plan. 2. Analyze Client’s current financial condition by preparing financial statements and projections and assessing the Client’s insurance, investments, and estate needs, as well as risk parameters and tolerances. 3. Assist Client in developing specific, quantifiable financial goals. 4. Prepare a written, comprehensive financial plan that maximizes Client’s ability to efficiently achieve those goals. 5. Assist the client with the implementation of parts of the plan and coordinate the implementation of the rest of the plan with Client’s other financial advisers. 6. Appropriately administer investment assets if these services have been requested by the Client and an “Investment Management Agreement” has been executed by the Client and Adviser. 7. Periodically update the analysis and recommendations based on the Client’s changing personal and financial situation, to the extent that Client requests these services. Periodic updates for each plan will continue for one year following delivery of the Plan, unless WWM and Client agree in writing to extend this update period. The written financial plan delivered to Client usually includes general recommendations for a course of activity or specific actions to be taken by Client. For example, recommendations may be made that Client institute or revise investment programs, establish or amend wills or trusts, obtain or revise insurance products, open retirement or educational savings accounts, implement charitable giving programs. In making these recommendations, WWM is not acting as Client’s attorney or accountant. Client is urged to retain legal counsel and accounting services in implementing the recommendations set forth in the plan. The implementation of the recommendations will be at the discretion of Client. WWM will assist with the implementation of the recommendations if the Client executes an investment Wharton Wealth Management, LLC 9 March 27, 2024 management agreement. WWM may also recommend that Client implement the financial plan through certain investment advisers, broker-dealers and/or insurance companies. Client is free to implement the plan through advisers, broker-dealers or insurance companies of Client’s choice. Adviser does not exercise discretion with respect to any of Client’s transactions unless the Client and WWM execute a separate Investment Management Agreement. WWM will maintain a business continuity plan in the event of a disruption in business. Among other things, the plan details how Clients may access their accounts in the event of an emergency. A copy of the plan is available for review upon request. Clients will be provided a copy of this Brochure at or before the execution of a written contract with WWM for advisory, retirement consulting or financial planning services. If this Brochure is not provided to a Client at least 48 hours before execution of the advisory, retirement consulting or financial planning agreement, the Client will have five (5) business days to cancel the agreement without penalty. As reflected in WWM privacy policy, WWM prohibits the public disclosure of any Client related nonpublic, personally identifiable information, except as permitted by law. Such Client related information is maintained in a safe and secure manner. Questions regarding WWM’s privacy policy should be directed to Robert C. Gueriera, Jr. at 484-328-3590.