A. Description of the Advisory Firm Able Wealth Management LLC (hereinafter “AWML”) is a Limited Liability Company organized in the State of New Jersey. The firm was formed in July 2018, and the principal owners are Seth Philip Hodes and Yoel Kaplowitz. B. Types of Advisory Services Portfolio Management Services AWML offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. AWML creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels). Portfolio management services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring AWML evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. AWML will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. AWML seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of AWML’s economic, investment or other financial interests. To meet its fiduciary obligations, AWML attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, AWML’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is AWML’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. “Held Away Asset” Portfolio Management Services – Pontera Platform We offer an additional investment management service for “Held Away accounts,” such as 401(k), 403(b), HSA, and 529 plan accounts. These accounts are not opened at Charles Schwab or Fidelity. We use a third-party platform, Pontera, to leverage an Order Management System to implement asset allocation and opportunistic rebalancing strategies on behalf of clients. We regularly review the available investment options in these accounts, monitor them, and rebalance and implement our strategies in the same way we do other accounts, though using different tools as necessary. A link will be provided to Clients allowing them to connect account(s) to the platform. Once a client’s account is connected to the platform, we will review the current account allocations. When deemed necessary, we will rebalance the account considering the Client’s investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. The Pontera’s platform allows us to avoid having custody of Clients’ funds since we do not have direct access to Client log-in credentials. We are not affiliated with Pontera and receive no compensation from Pontera for using their platform. Pontera charges AWML an annual fee of 0.25% of the assets on their platform. Where requested by the client, our Portfolio Management Services may include ongoing discretionary investment management and monitoring with respect to certain held-away accounts (e.g., employer sponsored retirement accounts) identified by the client. In order to manage certain types of held away accounts, we will utilize a third-party platform provided to us by Pontera Solutions (respectively, the “Pontera Platform” and “Pontera”). The Pontera Platform allows us to avoid having custody of client funds and securities since we do not have direct access to client log-in credentials to affect trades. Where these services are requested, a link will be provided to the client allowing them to connect to the held away account(s) they desire AWML to manage via the Pontera Platform. Once a client’s account(s) is connected

to the Pontera Platform, AWML will review the current account allocations. We will monitor the account on an ongoing basis and when deemed necessary and appropriate, rebalance the linked account(s) in consideration of the client’s unique investment goals, needs, and limitations. Sub-Advisory Platform Sponsors AWML has entered into agreements with Betterment LLC and Altruist LLC (collectively “Sponsors”) to utilize their advisory platform technology. These Sponsors have developed a Platform (as defined below) for use by independent investment advisors such as AWML. The Platform is a proprietary automated investment management platform for use by independent investment advisors to offer their clients a customized portfolio of exchange traded funds, publicly traded equities, fixed income securities, closed end funds and mutual funds (collectively “Investments”). In connection with the Platform, the Sponsors provide AWML with technology and related trading and account management services. Pension Consulting Services AWML offers consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: o identifying investment objectives and restrictions o providing guidance on various assets classes and investment options o recommending money managers to manage plan assets in ways designed to achieve objectives. o monitoring performance of money managers and investment options and making recommendations for changes o recommending other service providers, such as custodians, administrators, and broker-dealers o creating a written pension consulting plan These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Financial Planning Financial plans and financial planning may include but are not limited to investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Services Limited to Specific Types of Investments AWML generally limits its investment advice to mutual funds, closed-end mutual funds, interval funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, private equity funds, ETFs, treasury inflation protected/inflation linked bonds, venture capital funds and private placements, although AWML primarily recommends long term. AWML may use other securities as well to help diversify a portfolio when applicable. Federally Insured Cash Account (“FICA”) Program AWML and entered into a Placement Agent agreement with StoneCastle Network (“StoneCastle”) to offer a bank deposit bank account program to its clients through which they (each, a “FICA Depositor”) can make a single deposit with a custodian and such amount will have 100% Federal Deposit Insurance Corporation (“FDIC”) or National Credit Union Administration (“NCUA”) insurance coverage up to prescribed amounts. This FICA program is only offered to eligible clients. C. Client Tailored Services and Client Imposed Restrictions AWML offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent AWML from properly servicing the client account, or if the restrictions would require AWML to deviate from its standard suite of services, AWML reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. AWML does not participate in wrap fee programs. E. Assets Under Management AWML has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 244,423,665 $0 December 2023 In addition, AWML provides consulting to approximately $102,320,801 in 401(k) plan assets. These services are provided on an Assets Under Advisement (“AUA”) basis