A. Firm Information Ergawealth Advisors, Inc. (“Ergawealth Advisors” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a corporation under the laws of the State of Illinois. Ergawealth Advisors was founded as a corporation in the state of Illinois on March 30, 2006 and is owned and operated by Ian L. Laterreur AIF®, CFP® (President, Wealth Advisor and Chief Compliance Officer). Since 2006 this Advisor has used this entity as a doing business as name while being registered with other registered investment advisor. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Ergawealth Advisors. B. Advisory Services Offered Ergawealth Advisors offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, retirement plans and charitable organizations (each referred to as a “Client”) The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Ergawealth Advisors’ fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding our Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services Ergawealth Advisors provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. Ergawealth Advisors works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. Ergawealth Advisors services to Clients are determined based on their unique goals and objectives. The Advisors investment management approach is comprised of what we believe to be the four cornerstones of investment management; Organize, Plan, Protect, Invest. The Advisor believes everything starts with a plan. Ergawealth Advisors first works with Clients to create a game plan to start on the path of being financially "organized" by aggregating all their assets and liabilities. Then the Advisor starts the planning process, reviewing the Client goals and the resources they have to reach those goals. The Advisor then evaluates the risk they are willing to take for each goal; as well as evaluate the maximum risk the Client is willing to take from a volatility standpoint and maximum loss threshold. Ergawealth Advisors uses risk-based questionnaires to give a good indication of what those thresholds are for the Client. Based on the Client goals and the risk profile, Ergawealth Advisors then assigns the best-fit strategy for each goal constructing a portfolio, consisting of diversified mutual funds, exchange-traded funds (“ETFs”) and alternative investments to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, bonds or options contracts to meet the needs of its Clients. The Advisor may retain certain legacy investments based on portfolio fit and/or tax considerations. Ergawealth Advisors’ investment approach is primarily long-term focused, but the Advisor may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Ergawealth Advisors will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Ergawealth Advisors evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Ergawealth Advisors may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Ergawealth Advisors may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. Ergawealth Advisors may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of Page 5 securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will Ergawealth Advisors accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the advisory agreement, please see Item 12 – Brokerage Practices. Retirement Accounts – When deemed to be in the Client’s best interest, the Advisor will provide investment advice to Clients regarding a distribution from an ERISA sponsored plan or to roll over the assets to an Individual Retirement Accounts (“IRAs”), or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). In such instances, the Advisor will serve as an investment fiduciary as that term is

defined under The Employee Retirement Income Security Act of 1974 (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Financial Planning and Consulting Services Ergawealth Advisors will typically provide a variety of financial planning and consulting services to Clients, either as a component of investment management services or pursuant to a written financial planning and consulting agreement. The Advisor offers a la carte services for following types of financial planning and consulting services; retirement planning, education planning, employee benefits, insurance, tax minimization, debt management, cash flow planning and budgeting. Services are offered in several areas of a Client’s financial situation, depending on their goals, objectives and financial situation. Generally, such financial planning and consulting services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Ergawealth Advisors may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Retirement Plan Advisory Services Ergawealth Advisors provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist Page 6 the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include:
• Vendor Analysis
• Plan Participant Enrollment and Education Tracking
• Investment Oversight (ERISA 3(21))
• Ongoing Investment Recommendation and Assistance These services are provided by Ergawealth Advisors serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of Ergawealth Advisors’ fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging Ergawealth Advisors to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy – Ergawealth Advisors, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives.
• Asset Allocation – Ergawealth Advisors will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk of each Client.
• Portfolio Construction – Ergawealth Advisors will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – Ergawealth Advisors will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Ergawealth Advisors does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Ergawealth Advisors. E. Assets Under Management As of December 31, 2023, Ergawealth Advisors manages approximately $265,114,960 in Client assets, all of which are managed on a discretionary basis. Clients may request more current information at any time by contacting the Advisor.