Wiser Advisor Group (“WAG”) is an investment advisor firm registered with the Securities and Exchange Commission (“SEC”) and was founded on April 8, 2023. The Principal Owner and Chief Compliance Officer of Wiser Advisor Group is Larry Lytle. Wiser Advisor Group (“WAG”), LLC offers the following services to advisory clients: A. Description of Services Types of Advisory Services: Investment Advisory Services Wiser Advisor Group (“Advisor”) provides wealth management through discretionary and non- discretionary investment management services. We provide this service to a wide variety of clientele including individuals, corporations, non-profits, foundations, trusts and qualified plans. Wiser Advisor Group utilizes a variety of vehicles including, but not limited to mutual funds, exchange-traded funds, individual securities, variable life insurance, variable annuities, third party managers, alternative investment managers and private funds. Wiser Advisor Group tailors its advisory services to accommodate the needs of its individual clients and continually seeks to manage the portfolios in a manner consistent with their specific financial situation. Financial Plannings services are utilized to gather insights on client’s specific objectives and financial situation. Qualified and Non-Qualified Plan Management Services Wiser Advisor Group provides plan consulting services designed to assist the Plan Sponsor in meeting their fiduciary duties to administer the Plan in the best interest of the Plan’s participants and their beneficiaries. The services may include plan design, administrative support, oversight of the Plan’s service providers, investment monitoring support and/or participant services. Wiser Advisor Group may be engaged as an ERISA Fiduciary with respect to investment management service and investment advice. Portfolio Management: Discretionary Investment Management Services: Discretionary accounts experience active trading and account re-balancing on a relatively frequent basis according to market conditions. Clients will be taken through various financial planning processes to ascertain the proper objectives, risk profile, and trading strategies in order to properly manage the investment accounts. Periodic revisions to the planning information may impact the maintenance of these accounts. Investment models are monitored and maintained on an ongoing basis. Non-discretionary Investment Consulting Advice: Non-Discretionary accounts require consultation with the clients prior to initiating any changes in securities and/or account objectives. Similar to the Discretionary accounts, clients will participate in various financial planning processes to define the proper objective, risk profiles and trading strategies. Investment models are monitored and maintained on an ongoing basis. Advisory services provided by WAG are offered in a wrap fee structure whereby normal securities transaction costs are included in the overall investment advisory fee paid to WAG. As the level of trading in a client’s account[s] may vary from year to year, the annual cost to the client may be more or less than engaging for advisory services where the transactions’ costs are borne separately by the client. The cost of the Wrap Fee Program varies depending on the services to be provided to each client, however, the client is not charged more if there is higher trading activity in the client’s account[s]. A Wrap Fee structure has a potential conflict of interest as the WAG Investment Advisor Representative may have an incentive to limit the number of trades placed in the client’s account[s]. All discretionary accounts are considered “wrap” accounts. This means our management fees include all associated fees including fees for statements, trade confirmations, mutual fund sales charges, postage, and trade execution. Any SEC transaction fee or tax is considered outside of the wrap account scope. Non-discretionary accounts may also be incorporated into the “wrap” account structure. Accounts defined as “non-Managed” will be subject to trading commissions for individual securities and mutual fund trails. Small non-managed accounts may be subject to an annual account fee. Non-managed accounts will not be charged fees for statements or postage. Prior to becoming a client under the Program, you will be required to enter into a separate written agreement with us that sets forth the terms and conditions of the engagement and describes the scope of the services to be provided, and the fees to be paid. Assets for program accounts are held at LPL Financial, LLC as the custodian. LPL Financial, LLC also acts as executing broker/dealer for transactions placed in Program accounts and provides other administrative services as described throughout this Brochure. To compare the cost of the wrap fee program with non-wrap fee portfolio management services, you should consider the frequency of trading activity associated with our investment strategies and the brokerage commissions charged by LPL Financial, LLC and the advisory fees charged by investment advisers. We charge an annual "wrap-fee" for participation in the Program depending upon the market value of your assets under our management. You are not charged separate fees for the different components of the services provided by the Program. Our firm pays all trade expenses of trades placed on your behalf. Our Program fee includes the fee we pay to any portfolio manager for their management of your account and LPL Financial, LLC's transaction or execution costs. Assets in each of your account(s) are included in the fee assessment unless specifically identified in writing for exclusion. In special circumstances, and in our sole discretion, we may negotiate a lesser management fee based upon certain criteria (i.e., anticipated future earning capacity, dollar amount of assets to be managed, related accounts, account composition, pre-existing client relationship, account retention, etc.). Advisory fees are withdrawn directly from the client's accounts with client written authorization. Fees are paid quarterly in advance. Refunds are given on a prorated basis, based on the number of days remaining in the billing period on the effective date of termination. The fee refunded will be the balance of the fees collected in advance minus the daily rate* times the number of days in the billing period up to and including the effective date of termination. (*The daily rate is calculated by dividing the annual fee by 365). In addition to the right to terminate an agreement pursuant to its terms, a client may cancel an agreement with WAG within five (5) business days of first receiving a copy of this disclosure brochure and supplement without penalty or fee. B. Contribution Cost Factors The program may cost the client more or less than purchasing such services separately. There are several factors that bear upon the relative cost of the program, including the trading activity in the client's account, the adviser's ability to aggregate trades, and the cost of the services if provided separately (which in turn depends on the prices and specific services offered by different providers). Wrap Fee Program Disclosures
• The benefits under a wrap fee program depend, in part, upon the size of the Account, the management fee charged, and the number of transactions likely to be generated in the Account. For example, a wrap fee program may not be suitable for Accounts with

little trading activity. In order to evaluate whether a wrap fee program is suitable for you, you should compare the Program Fee and any other costs of the Program with the amounts that would be charged by other advisers, broker-dealers, and custodians, for advisory fees, brokerage and other execution costs, and custodial services comparable to those provided under the Program.
• In considering the investment programs described in this brochure, you should be aware that participating in a wrap fee program may cost more or less than the cost of purchasing advisory, brokerage, and custodial services separately from other advisers or broker-dealers.
• Our firm and Associated Persons receive compensation as a result of your participation in the Program. This compensation may be more than the amount our firm or the Associated Persons would receive if you paid separately for investment advice, brokerage, and other services. Accordingly, a conflict of interest exists because our firm and our Associated Persons have a financial incentive to recommend the Program. Similar advisory services may be available from other registered investment advisers for lower fees. C. Additional Fees Although clients do not pay a transaction charge for transactions in a Strategic Wealth Management II ("SWM II") account, clients should be aware that IAR pays LPL transaction charges for those transactions. The transaction charges paid by the IAR vary based on the type of security transaction (e.g. mutual fund, equity or Exchange Traded Funds ("ETFs")) and for mutual funds based on whether or not the mutual fund pays 12b-1 fees and/or recordkeeping fees to LPL. Transaction charges paid by the IAR for equities and ETFs are $9. For mutual funds, the transaction charges range from $0 to $26.50. Because IAR pays the transaction charges in SWM II accounts, there is a potential conflict of interest in cases where the mutual fund is offered at both $0 and $26.50. Clients should understand that the cost to the IAR of transaction charges may be a factor that IAR considers when deciding which securities to select and how frequently to place transactions in a SWM II account. LPL makes available mutual funds in a SWM II account that offer various classes of shares, including shares designated as Class A Shares and shares designed for advisory programs, called for example, "Class I," "institutional," "investor," "retail," "service," "administrative" or "platform" share classes ("Platform Shares"). The Platform Share class offered for a particular mutual fund in SWM II in many cases will not be the least expensive share class that the mutual fund company offers and was selected by LPL in certain cases because the share class pays LPL compensation for the administrative and recordkeeping services LPL provides to the mutual fund. Client should understand that another financial services firm may offer the same mutual fund at a lower overall cost to the investor than is available through SWM II. In other instances, a mutual fund may offer only Class A Shares, but another similar mutual fund may be available that offers Platform Shares. Class A Shares typically pay LPL a 12b-1 fee for providing brokerage-related services to the mutual funds. Platform Shares generally are not subject to 12b-1 fees. As a result of the different expenses of the mutual fund share classes, it is generally more expensive for a client to own Class A Shares than Platform Shares. An investor in Platform Shares will typically pay lower fees over time than an investor who holds Class A Shares of the same fund. However, clients are still responsible for all other account fees, such as transition fees if the account is moved to another broker, or mutual fund fees. The Program Fee does not include mark-ups and mark-downs, dealer spreads or other costs associated with the purchase or sale of securities, interest, taxes, or other costs, such as national securities exchange fees, charges for transactions not executed through the Qualified Custodian, costs associated with exchanging currencies, wire transfer fees, or other fees required by law or imposed by third parties. The Account will be responsible for these additional fees and expenses. The wrap program fees that you pay to our firm for portfolio management services are separate and distinct from the fees and expenses charged by mutual funds or exchange traded funds (described in each fund's prospectus) to their shareholders. These fees will generally include a management fee and other fund expenses. To fully understand the total cost you will incur, you should review all the fees charged by mutual funds, exchange traded funds, our firm, and others. We may trade client accounts on margin. Each client must sign a separate margin agreement before the margin is extended to that client account. Fees for advice and execution on these securities are based on the total asset value of the account, which includes the value of the securities purchased on margin. While a negative amount may be shown on a client's statement for the margined security as the result of a lower net market value, the amount of the fee is based on the absolute market value. This creates a conflict of interest where we have an incentive to encourage the use of margin to create a higher market value and therefore receive a higher fee. The use of margin may also result in interest charges in addition to all other fees and expenses associated with the security involved. Brokerage Practices Selection and Recommendation WAG has an established relationship with a broker-dealer/custodian that the Advisor will recommend to clients for custody or client transactions. WAG recommends this broker- dealer/custodian be used based on execution and custodial services offered, cost, quality of service and industry reputation. WAG has also considered factors such as commission price, speed and quality of execution, client management tools, and convenience of access for both the Advisor and client in making its suggestion. As an investment adviser, WAG has a fiduciary duty to seek the best execution for client transactions. While best execution is difficult to define and challenging to measure, there is some consensus that it does not solely mean the achievement of the best price on a given transaction. Rather, it appears to be a collective consideration of factors concerning the trade in question. Such factors include the security being traded, the price of the trade, the speed of the execution, apparent conditions in the market, and the specific needs of the client. WAG utilizes a custodian that it believes offers a competitive price based upon the custodian’s market access, the transaction confirmation and account statement practices, the execution, clearance and settlement capabilities, and the reasonableness of the commission or its equivalent for the specific transaction. WAG will monitor the services offered by the custodian and make any changes, as appropriate. Brokerage for Client Referrals We do not receive client referrals from broker-dealers in exchange for cash or other compensation, such as brokerage services or research. D. Compensation of Client Participation Wiser Advisor Group does not receive compensation for the sale of securities or other investment products with the exception of insurance products. Client may, at their sole discretion, select either fee-based or commission-based accounts. In either case, the representative has the obligation, as a fiduciary, to put the client’ best interest ahead of his/her own.