Atlantic Edge Private Wealth Management, LLC (“Atlantic Edge or Firm”) is an investment advisor registered with the United States Securities and Exchange Commission (“SEC”) engaged in providing advisory services and products to clients. It was organized as a Limited Liability Company (“LLC”) under the laws of the State of Florida on July 25, 2023. Atlantic Edge began conducting business in September 2023 after registration approval was granted by the SEC and after approval from Charles Schwab and Company, Inc as a registered investment advisor on their platform. Please note, registration with the SEC does not imply a certain level of skill or training. The principal place of business is located in Jacksonville, Florida. The managing members with equal control are Matthew B. Cochran, Kaitlyn P. Weatherly, and Jeffery T. Albaneze. Discretionary Investment Management Services Our Firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Primarily, discretionary asset management services are provided by our one Florida-based office. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we develop a client's personal target asset allocation and create and manage a portfolio based on that target. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a client's prior investment history, as well as family composition and background. While we principally manage these advisory accounts on a discretionary basis, we retain the unrestricted authority to accept select accounts on a non-discretionary basis as a concession to certain advisory clients, friends, and family relationships. Account supervision is guided by the client's stated investment objectives (i.e., aggressive growth, enhanced growth, growth, growth and income, enhanced 4 | P a g e income or income), as well as tax considerations. Atlantic Edge creates and manages a diversified portfolio, allocating the client's assets among various investments taking into consideration the investment objective selected by the client. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities:
• Exchange‐listed securities • Securities traded over‐the-counter
• Warrants • Commercial paper
• Mutual fund shares • Exchange-Traded funds
• Municipal securities • U. S. governmental securities
• Certificates of deposit • Options contracts on securities
• Variable life insurance • Variable annuities
• Structured Notes • Corporate debt securities (other than commercial paper)
• Private Funds (alternative investments) Although recommendations for new investments will typically be limited to these items, we may render investment advice on other types of investments held by a client at the start of the advisory relationship. Furthermore, clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors, or markets. Exchange‐traded funds and/or no‐load mutual funds are selected on the basis of any or all of the following criteria: the fund's performance history, the industry sector in which the fund invests, the track record of the fund's manager, the fund's investment objectives, the fund's management style and philosophy, and the fund's management fee structure. Portfolio weighting between funds and market sectors are determined on a per account basis pursuant to each client's individual needs and circumstances. Clients retain individual ownership of all securities. Because some types of investments involve certain additional degrees of risk, they will only be implemented when consistent with the client's stated investment objectives. In addition to managing the client’s investment portfolio, Atlantic Edge may provide certain financial planning services to clients on various financial areas including income and estate tax planning, college financial planning, retirement planning, insurance analysis and personal cash flow analysis,

among other things. This office, however, will not charge a separate fee for this service. IRA Rollover Recommendations For the purpose of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02"), when applicable, we are providing the following acknowledgment to clients. When we provide investment advice to clients regarding their retirement plan account or individual retirement account, we are a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates conflicts with clients’ interests. We operate under an exemption that requires us to act in the clients’ best interest and not put our or our employees’ interests ahead of the clients. Under this exemption, we must:
• meet a professional standard of care when making investment recommendations (give prudent advice),
• never put our or our employees’ financial interests ahead of the clients when making recommendations (give loyal advice),
• avoid making misleading statements about conflict of interests, fees, and investments,
• follow policies and procedures designed to ensure that we and our employees give advice that is in the clients’ best interest,
• charge no more than is reasonable for our services, and 5 | P a g e
• give the clients basic information about conflict of interests. We benefit financially from the rollover of the clients’ assets from a retirement account to an account that we manage because the clients’ assets increase the assets we manage and, consequently, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in the client’s best interest. Consulting Services Portfolio Overview Service. Atlantic Edge offers a Portfolio Overview Service providing perspective on the full portfolio assets held by a client, encompassing all investment assets including brokerage, banking, private banking, insurance/annuity, 401(k), stock options, and alternative assets (online access to transactions and balances required). Portfolio Aggregation and Reporting. Atlantic Edge will prepare and provide to you consolidated reports, which shall include (i) consolidated portfolio accounting to provide oversight for adherence to an Investment Policy Statement, (ii) consolidated asset allocation for high level exposure (stock, bond, cash, alternative) as well as granular exposure (sub-asset class, sector and stock concentration) and (iii) via a personalized online portal for Client, consolidated portfolio assets and up-to-date consolidated performance updated daily. Consolidated reporting covers multiple investment vehicles, including both marketable and non-marketable securities in both retirement and non-retirement accounts, regardless of custodian, broker, or bank. Portfolio Overview includes accounting, reconciliation, and reporting of all accounts and assets available through online sources, asset allocation evaluation for the entire portfolio of holdings, independent verification of performance by manager, overall comparative performance measurement, customized portfolio benchmarking, combined tax reporting, and an annual review. Investment Management Services are NOT included in Portfolio Overview Services. Clients can also receive financial advice on a more focused basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, or any other specific topic. We also provide specific consultation and administrative services regarding investment and financial concerns of the client. Additionally, we may provide advice on non-securities matters. Generally, this is in connection with the rendering of estate planning, insurance, and/or annuity advice. Consulting recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. Wrap Fee Program We do not sponsor or act as a portfolio manager in a wrap fee program. Assets Under Management As of 12/31/2023 with its updated ADV Part 2a, Atlantic Edge manages $456,765,671, of which $454,945,865.61 is on a discretionary basis and $1,819,805.56 is non-discretionary.