A. Ownership/Advisory History Prevail Innovative Wealth Advisors, LLC (“Prevail IWA,” the “firm,” “we,” or “us”) is a Missouri limited liability company registered with the Securities and Exchange Commission (“SEC”) as an investment adviser. Our principal owners are Kerry Lawing (CEO), Andrew Stafford (CCO and President) and Brad Lawing (Vice President). Prevail IWA became registered as an investment adviser in 2017. B. Advisory Services Offered Our advisory services are always provided based on your individual needs. This means, for example, that when we provide asset management services, you are given the ability to impose restrictions on the accounts we manage for you, including specific investment selections and sectors. We work with you on a one-on-one basis through interviews and questionnaires to determine your investment objectives and suitability information. We will not enter into a relationship with a prospective client whose investment objectives may be considered incompatible with our investment philosophy or strategies or where the prospective client seeks to impose unduly restrictive investment guidelines. We offer the following primary advisory services: Asset Management & Allocation Program Services We offer asset management services under which we provide you with continuous and ongoing supervision over your investment advisory account(s) you have with us (the “Accounts”). We manage your Account based on your financial situation, investment objectives and risk tolerance. We actively monitor the Account and provide advice regarding buying, selling, reinvesting, or holding securities, cash, or other investments of the Account. By focusing on each investor’s specific risk tolerance, the investment management process yields a personal solution for an individual’s needs. For our discretionary asset management services, we receive a limited power of attorney to effect securities transactions on behalf of clients that include securities and strategies described in Item 8 of this brochure. We obtain information from you to determine your financial situation and investment objectives. Based upon your needs, we will create and manage a portfolio for your account. We are reasonably available to consult with you about your account. You have the ability to impose reasonable restrictions on the management of your Accounts, including the ability to instruct us not to purchase certain securities. Our Investment Committee meets at least quarterly to evaluate and manage our risk-based portfolio strategies, ranging from very conservative to aggressive. Clients have the right to provide the firm with any reasonable investment restrictions that should be imposed on the management of their portfolio (must be in writing and sent to the firm), and should promptly notify the firm in writing of any changes in such restrictions or in the client's personal financial circumstances, investment objectives, goals and tolerance for risk. We will remind clients of their obligation to inform the firm of any such changes or any restrictions that should be imposed on the management of the client’s account. We will also contact clients at least annually to determine whether there have been any changes in a client's personal financial circumstances, investment objectives and tolerance for risk. Variable Sub-Account Management Services Under our Variable Insurance sub-account management services, we manage your variable annuity or variable life contract by selecting, monitoring, and exchanging as necessary between sub-accounts available from the insurance company issuing the variable annuity or variable life contract (the “Sub-Accounts”). Our advice is limited to the available investment options authorized by the insurance carrier. Under this program, we assist you in completing a questionnaire which details your financial goals, risk tolerance, and time horizon for the Sub-Accounts. In your investment advisory agreement with us, you may identify any reasonable restrictions on the Sub-Accounts. You will be responsible for notifying us of any updates regarding your financial situation, risk tolerance, or investment objective and whether you wish to impose or modify existing investment restrictions; and we will contact you at least annually to discuss any changes or updates regarding your financial situation, risk tolerance or investment objectives. Once you have provided us with the necessary information and made the appropriate authorizations, we utilize the trading authority you grant us to place transactions as you direct. We may utilize signal providers for guidance regarding investment strategies, asset allocations and timing of exchanges. A signal provider is a firm that provides guidance on investment strategies, asset allocations, and appropriate timing for buy and sell transactions. Prevail IWA reviews, approves, and implements transactions based upon the signals provided. We will monitor your Sub-Accounts and exchange Sub-Accounts as necessary and in accordance with your investment objective and risk tolerance. Financial Consulting Services We provide financial consulting services to advisory clients who are receiving our Asset Management & Allocation Program Services. If a client is currently receiving our asset management services, we do not charge a separate fee for financial consulting services. We do not offer standalone financial planning or consulting services for a separate fee. Financial consulting services are limited to consultations in response to a particular investment or financial issue, such as Investment Planning, Retirement Planning, Insurance Planning, Tax Planning, Education Planning, Portfolios Review and Asset Allocation. We do not prepare written financial plans as part of our financial consulting services. Retirement Plan Services We offer retirement plan services to retirement plan sponsors and to individual participants in retirement plans. For a corporate sponsor of a retirement plan, our retirement plan services may include the following services: Fiduciary Management Services We provide plan sponsors with the following Fiduciary Retirement Plan Management Services: ▪ Discretionary Management Services. We will provide plan sponsors with continuous and ongoing supervision over the retirement plan assets. We will actively monitor the retirement plan assets and provide advice regarding buying, selling, reinvesting or holding securities, cash or other investments of the Plan. We have discretionary authority to make all decisions to buy, sell or hold securities, cash or other investments for the retirement plan assets in our sole discretion without first consulting with the plan sponsor. We also have the power and authority to carry out these decisions by giving instructions, on the plan sponsor’s behalf, to brokers and dealers and the qualified custodian(s) of the Plan. ▪ Discretionary Investment Selection Services. We will monitor the Plan’s investment options and add or remove investment options. We will have discretionary authority to make all decisions regarding the investment options that will be made available to Plan participants. ▪ Default Investment Alternative Management. We will develop and actively manage qualified default investment alternative(s) (“QDIA”), as defined in DOL Reg. §2550.404c- 5(e)(4)(i), for participants who are automatically enrolled in the Plan or who otherwise fail to make an investment election. If you elect to utilize any of our Fiduciary Management Services, then we will be acting as an Investment Manager to the Plan, as defined by section 3(38) of the Employee Retirement Income Security Act of 1974 (“ERISA”), with respect to our Fiduciary Management Services, and we hereby acknowledge that we are a fiduciary with respect to our Fiduciary Management Services. Fiduciary Consulting Services We also provide plan sponsors with general, non-discretionary investment advice regarding assets classes and investment options, consistent with your Plan’s investment policy statement. For Fiduciary Consulting Services, all recommendations of investment options and portfolios will be submitted to the plan sponsor for its ultimate approval or rejection. For retirement plan Fiduciary Consulting Services, the retirement plan sponsor or the plan participant who elects to implement any recommendations we make is solely responsible for implementing all transactions available from the limited investment options available in the plan. Fiduciary Consulting Services are not management services and we do not serve as an administrator or trustee of the plan, nor do we act as the custodian for any Plan account or have access to client funds or securities (except where we receive authorization from the client to deduct our fees). We acknowledge that in performing the Fiduciary Consulting Services described above that we are acting as a “fiduciary” as defined in ERISA §3(21)(A)(ii) for purposes of providing non- discretionary investment advice only. We will act in a manner

consistent with the requirements of a fiduciary under ERISA if, based upon the facts and circumstances, such services cause us to be a fiduciary as a matter of law. However, in providing the Fiduciary Consulting Services, we (a) have no responsibility and will not (i) exercise any discretionary authority or discretionary control respecting the management of a retirement plan, (ii) exercise any authority or control respecting the management or disposition of Plan assets, or (iii) have any discretionary authority or discretionary responsibility in the administration of the retirement plan or the interpretation of the retirement plan documents, (b) are not an “investment manager” as defined in ERISA §3(38) and do not have the power to manage, acquire or dispose of any plan assets, and (c) is not an “Administrator” of retirement plans, as defined in ERISA. Securities and other types of investments all bear different types and levels of risk. Those risks are typically discussed with clients in defining the investment policies and objectives that will guide investment decisions for their qualified plan accounts. Upon request, as part of our retirement plan services, we can discuss those investments and investment strategies that we believe may tend to reduce these risks for a particular client’s circumstances and plan participants. Clients and plan participants must realize that obtaining higher rates of return on investments entails accepting higher levels of risk. Based upon discussions with the plan sponsor, we will attempt to identify the balance of risks and rewards that is appropriate and comfortable for the plan sponsor and the plan participants. It is still the plan sponsor’s and participant’s responsibility to ask questions if they do not fully understand the risks associated with any investment. All plan participants are strongly encouraged to read prospectuses, when applicable, and ask questions prior to investing. Retirement Plan Rollover Recommendations When we provide investment advice about your retirement plan account or individual retirement account (“IRA”) including whether to maintain investments and/or proceeds in the retirement plan account, roll over such investment/proceeds from the retirement plan account to a IRA or make a distribution from the retirement plan account, we acknowledge that we are a “fiduciary” within the meaning of ERISA Title I and/or the Internal Revenue Code (“IRC”) as applicable, which are laws governing retirement accounts. The way we make money creates conflicts with your interests so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of you. Under this special rule’s provisions, we must: ▪ Meet a professional standard of care when making investment recommendations (e.g., give prudent advice); ▪ Never put our financial interests ahead of you when making recommendations (e.g., give loyal advice); ▪ Avoid misleading statements about conflicts of interest, fees, and investments; ▪ Follow policies and procedures designed to ensure that we give advice that is in your best interest; ▪ Charge no more than is reasonable for our services; and ▪ Give client basic information about conflicts of interest. To the extent we recommend you roll over your account from a current retirement plan account to an IRA we manage, please know that we and our investment adviser representatives have a conflict of interest. We can earn increased investment advisory fees by recommending that you roll over your account at the retirement plan to an IRA we manage. We will earn fewer investment advisory fees if you do not roll over the funds in the retirement plan to an IRA we manage. Thus, our investment adviser representatives have an economic incentive to recommend a rollover of funds from a retirement plan to an IRA, which is a conflict of interest because our recommendation that you open an IRA account with us can be based on our economic incentive and not based exclusively on whether or not moving the IRA to our management program is in your overall best interest. We have taken steps to manage this conflict of interest. We have adopted an impartial conduct standard whereby our investment adviser representatives will (i) provide investment advice to a retirement plan participant regarding a rollover of funds from the retirement plan in accordance with our fiduciary status, (ii) not recommend investments which result in us receiving unreasonable compensation related to the rollover of funds from the retirement plan to an IRA, and (iii) fully disclose compensation we and our personnel receive and any material conflicts of interest related to recommending the rollover of funds from the retirement plan to an IRA, and refrain from making any materially misleading statements regarding such rollover. When providing advice to your regarding a retirement plan account or IRA, our investment advisor representatives will act with the care, skill, prudence, and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of a like character and with like aims, based on the investment objectives, risk, tolerance, financial circumstances, and a client’s needs, without regard to the financial or other interests of Prevail IWA or our affiliated personnel. Newsletters We occasionally prepare general, educational, and informational newsletters. Newsletters are always offered on an impersonal basis and do not focus on the needs of a specific individual. Newsletters are provided to plan sponsor clients and prospective clients free of charge. Seminars We may occasionally provide seminars in areas such as investment planning, retirement planning, college planning, and charitable planning. Seminars are always offered on an impersonal basis and do not focus on the individual needs of participants. No fees are charged for seminars. eMoney Advisors We utilize eMoney Advisors, a web-based financial and wealth planning system. Clients electing to use eMoney can select from a variety of available programs, including: ▪ Planning Center (allowing unlimited scenario planning); ▪ Retirement Income Tool; ▪ Vault (storage for client documents such as wills, insurance policies, etc.); ▪ Financial Connections (allowing aggregation of multiple accounts with daily updating of linked accounts); and ▪ Alerts to upcoming deadlines and important events. If you elect to use eMoney, you are required to provide us the information and documentation to be downloaded and/or input into the eMoney system. You will be provided with a unique username and password and will be able to monitor your portfolio performance, view balances, run “what if’’ scenarios, and store/view important papers and documents. No fees will be charged for eMoney services. Administrative Services Provided by Orion Advisor Services, LLC We have contracted with Orion Advisor Services, LLC (“Orion”) to utilize its technology platforms to support data management billing, client support, compliance, trading, and performance overview related to the administrative tasks of managing client accounts. Under this arrangement, Orion will have access to client Accounts, but Orion will not serve as an investment advisor to our clients. Prevail IWA and Orion are not affiliated companies. C. Client-Tailored Services and Client-Imposed Restrictions Each client’s account will be managed on the basis of the client’s financial situation and investment objectives and in accordance with any reasonable restrictions imposed by the client on the management of the account—for example, restricting the type or amount of security to be purchased in the portfolio. D. Wrap Fee Programs Our Asset Management and Allocation Program Services are provided exclusively on a wrap fee basis as a wrap program sponsor. Under our wrap program, you will receive investment advisory services and the execution of securities brokerage transactions for a single specified fee. If engaged for Family Office Services, investment management is included in the wrap program based on a fixed negotiated rate, not an asset-based fee. Participation in a wrap program may cost you more or less than purchasing such services separately. We adhere to our fiduciary duty when trading in your accounts. Trades are made only on the basis of the account’s stated investment objectives, and without concern to the firm’s trading costs and firm’s expenses that trading the accounts will create. Please refer to Appendix 1 of Part 2A: Prevail Innovative Wealth Advisors, LLC Wrap Fee Program Brochure. In addition, please see Item 5.E. of this Brochure for important disclosure regarding custodian investment programs. E. Client Assets Under Management As of December 31, 2023, we had a total of $379,732,335 in assets under management, of which $367,605,451 was managed on a discretionary basis and $12,126,884 was managed on a non- discretionary basis.