A. Description of the Advisory Firm Networth Advisors, LLC (hereinafter “NAL”) is a Limited Liability Company organized in the State of Pennsylvania. The firm became registered as an investment adviser under the Commonwealth of Pennsylvania in 2021 and transitioned to an SEC registered Investment Adviser in 2023. The principal owner is Beth Andrews. B. Types of Advisory Services Portfolio Management Services NAL offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. NAL creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client's specific situation. 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 NAL evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. NAL seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of NAL’s economic, investment or other financial interests. To meet its fiduciary obligations, NAL attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, NAL’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 NAL’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent, including initial public offerings ("IPOs") and other investment opportunities that might have a limited supply, among its clients on a fair and equitable basis over time. Selection of Other Advisers Using a platform offered by AE Wealth Management, LLC, a registered investment adviser, NAL may select model portfolios managed by third-party investment advisers for all or a portion of the client's assets. Before selecting model portfolios, NAL will always ensure those other advisers are properly licensed or registered as an investment adviser. Financial Planning Financial plans and financial planning may include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; education planning; health care; legacy and debt/credit planning. Workshops and Educational Seminars NAL may hold seminars that offer attendees general investment and retirement planning advice. NAL does not offer individualized advice during seminars. Examples of topics covered include the objectives of retirement planning and wealth management. NAL does not charge fees to attendees. Networth Financial Hour Radio Show NAL participates in a radio broadcast, the Networth Financial Hour Radio Show. The show is hosted by Networth Advisors founder and President

Beth Andrews and advisor and partner Scott Hefty. Networth Advisors, LLC pays a fee to be interviewed for this show. Networth Advisors Television Clips NAL participates in short 2 minute broadcasts on local TV stations, The Pittsburgh Retirement Report. The show is hosted through AE Media TV Production with Networth Advisors founder and President Beth Andrews presenting various informational topics. Networth Advisors, LLC pays a fee to be interviewed for this show. Services Limited to Specific Types of Investments NAL generally limits its investment advice to mutual funds, fixed income securities, insurance products including annuities, equities, ETFs, treasury inflation protected/inflation linked bonds, non-U.S. securities, and venture capital funds, although NAL primarily recommends growth and income. NAL may use other securities as well to help diversify a portfolio when applicable. Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries 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 some 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 yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (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 you basic information about conflicts of interest. C. Client Tailored Services and Client Imposed Restrictions NAL will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by NAL on behalf of the client. NAL may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may not impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. D. Wrap Fee Programs NAL acts as portfolio manager in a wrap fee program sponsored by AE Wealth Management, LLC. A wrap fee program is an investment program where the client pays one stated fee that includes management fees and transaction costs. Clients with accounts in the wrap fee program will receive AE Wealth Management, LLC’s separate Wrap Fee Program Brochure. NAL manages the investments in the wrap fee program, but does not manage those wrap fee accounts any differently than it would manage non-wrap fee accounts. E. Assets Under Management NAL has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 112,829,579 $0 September 2023