A. Services Invera Wealth Advisors LLC (Invera Wealth”) provides customized wealth management services for its Clients. This Wrap Fee Program Brochure is provided as a supplement to the Invera Wealth Disclosure Brochure (Form ADV 2A). This Wrap Fee Program Brochure is provided along with the complete Disclosure Brochure to provide full details of the business practices and fees when selecting Invera Wealth as your investment advisor. As part of the wealth management fees noted in Item 5 of the Disclosure Brochure, Invera Wealth includes securities transaction fees as part of its overall wealth management fee. Securities regulations often refer to this combined fee structure as a “Wrap Fee Program”. The Advisor’s recommended Custodian does not charge securities transaction fees for exchange-traded fund (“ETF”) and equity trades in Client accounts, but typically charges for mutual funds and other types of investments. The Advisor sponsors the Invera Wealth Wrap Fee Program. The sole purpose of this Wrap Fee Program Brochure is to provide additional disclosure relating the combination of securities transaction fees into a single “bundled” wealth management fee. This Wrap Fee Program Brochure references back to the Invera Wealth Disclosure Brochure in which this Wrap Fee Program Brochure serves as an Appendix. Please see Item 4 – Advisory Services of the Disclosure Brochure for details on Invera Wealth’s investment philosophy and related services. B. Program Costs Advisory services provided by Invera Wealth are offered in a wrap fee structure whereby securities transaction fees are included in the overall wealth management fee paid to Invera Wealth. The Advisor has entered into an arrangement with the Custodian to absorb securities transaction fees. A wrap fee structure generally presents a conflict of interest as the Advisor. To mitigate any conflicts, the Advisor has entered into an agreement with the custodian to pay a fixed basis point amount that will cover any applicable trading costs. The Advisor's recommended Custodian often does not charge securities transaction fees for exchange-traded fund (“ETF”) and equity trades in a Client's account[s], provided that the account meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian may charge for mutual funds and other types of investments, which are covered under this wrap fee program. Please see Item 5 – Fees and Compensation of the Disclosure Brochure for complete details on fees. C. Fees Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the wealth management agreement. Wealth management fees are based on the market value of assets under management at the end of the prior calendar quarter. Fees range from 1.00% to 2.00% annually based on several factors, including: the scope and complexity of the services to be provided; the level of assets to be managed; and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. The wealth management fee in the first quarter of service is prorated from

the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. In certain circumstances, the Advisor may charge a fixed annual fee for its services. The Client’s fees will take into consideration the aggregate assets under management with the Advisor across all accounts, unless otherwise agreed in writing. All securities held in accounts managed by Invera Wealth will be independently valued by the Custodian. Invera Wealth will not have the authority or responsibility to value portfolio securities. Clients may make additions to and withdrawals from their account[s] at any time, subject to Invera Wealth’s right to terminate an account. Additions may be in cash or securities provided that Invera Wealth reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Invera Wealth, subject to the usual and customary securities settlement procedures. However, Invera Wealth designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Invera Wealth may consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. As noted above, the Wrap Fee Program includes securities transaction fees incurred in connection with the discretionary investment management services provided by Invera Wealth, as part of its overall wealth management fee. In addition, all fees paid to Invera Wealth for wealth management services or part of the Wrap Fee Program are separate and distinct from the expenses charged by mutual funds and ETFs (to their shareholders, if applicable). These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. Securities transaction fees for Client-directed trades may be charged back to the Client. In connection with the discretionary investment management services provided by Invera Wealth, the Client will incur other costs assessed by the Custodian or other third parties such as wire transfer fees, redemption fees, account closure fees and Independent Manager fees from the Custodian and other fees. The Advisor does not control nor share in these fees. The Client should review both the fees charged by the fund[s] and the fees charged by Invera Wealth to fully understand the total fees to be paid. Please see Item 5.C. – Other Fees and Expenses in the Disclosure Brochure (included with this Wrap Fee Program Brochure). D. Compensation Invera Wealth is the sponsor and portfolio manager of this Wrap Fee Program. Invera Wealth receives wealth management fees paid by Clients for participating in the Wrap Fee Program and pays the associated securities transactions costs, if applicable.