Liberty One Wealth Advisors (“LOWA”) was formed in June, 2021. LOWA is owned by Guilian DiLeonardo, Jacky Petit-Homme, and Fan Feng. As of March 26, 2024, LOWA has approximately $ 104,701,744 in assets under management, in 620 accounts. Of that total, all are managed on a discretionary basis. Financial Planning Services LOWA is first and foremost a financial planning firm. LOWA develops financial plans for its clients and uses those plans to make the appropriate investments on their behalf to drive success in their financial life. The process begins with a goals-based approach. The first step is laying out the client’s goal(s) for their financial life. From there LOWA reviews the totality of a client’s financial circumstances, which include assets, liabilities, and overall cash flow. Since LOWA believes that the biggest determinant of success in a client’s plan is the client’s spending, there will be an in-depth discussion on their current expenses and their future spending plan. Clients may impose restrictions on investing in certain securities or types of securities. From this client-provided information, LOWA evaluates the client’s current positioning to ensure they can make the best recommendations based on these life factors. Coupled with conversations about what the client is looking to achieve and the degree of risk they are willing to take, LOWA develops the optimal strategy for accomplishing the client’s goals, with the ultimate goal of allowing the client to live their life financially independent. The financial plan provided will lay out the strategies and overall potential success of the client’s investment life. Investment Advisory Services LOWA tailors its advisory services to the individual needs of this client. Services are selected based on the financial plan generated for the client and the personal discussions described above. LOWA builds out an investment allocation portfolio driven by the goals and needs of the client. The client's personal investment plan contains an asset allocation target of which LOWA creates and manages a portfolio based on that plan and allocation targets. LOWA provides continuous advice to clients regarding the investment of their funds based on the individual needs of the client. Prior to introducing any Pennsylvania clients to another investment adviser, LOWA will be responsible for determining if the Firm is properly licensed, notice fled or exempt from registration with the Department. Wrap Program LOWA recommends that investment accounts be held in custody by Schwab Advisor Services (“Schwab”), member FINRA/SIPC, an unaffiliated SEC-registered broker-dealer and FINRA member. Schwab offers enhanced services to independent investment advisors. These services

include custody of securities, trade execution platforms, and access to research not available to the general public. Schwab is wholly independent from LOWA. It is expected that most, if not all, transactions in a given client account will be cleared through the custodian of that account in its capacity as a broker-dealer. For some clients, LOWA may include certain transactional costs in the client’s management fee. This arrangement is referred to as a “Wrap Program”. For accounts in the Wrap Program, LOWA pays a fee to the account custodian based on the total amount of client assets enrolled in the Wrap Program, thus taking on many of the clients’ transactions cost. Fees included in the wrap fee include transaction fees for the purchase or sale of securities, but do not include expenses related to the use of margin, wire transfer fees, the fees charged to shareholders of mutual funds or ETFs, mark-ups and mark- downs, spreads, odd-lot differentials, fees charged by regulatory agencies, and any transaction fees for securities trades executed by a broker-dealer other than the primary custodian. Expenses for the management fees of third-party managers are also not included in the Wrap Program, and to the extent utilized, you will be responsible for such fees. There is no difference between how LOWA manages wrap fee accounts and how LOWA manages other accounts. Because of the nature of a wrap fee program, where wrap fees are not tied to an account’s frequency of trading and apply to generally all assets in the account, the wrap fee program client may pay more or less than if the client had compensated LOWA outside of the wrap fee program. For example, if a client’s account is rarely traded, the transaction fees the client would have paid would be minimal, thus limiting the benefits of “wrapping” management fees and transaction fees. Clients whose accounts will rarely be traded should carefully consider whether the Wrap Program is appropriate. Clients are not required to participate in the Wrap Program. LOWA is the sole portfolio manager in the wrap program, which means that LOWA receives a portion of the wrap fee for our services. Transaction fees are paid to various broker-dealers, mutual funds, and ETFs. The remainder of the wrap fee is the management fee payable to LOWA. As discussed more fully in the wrap brochure, the transaction fees paid to the account custodian are based on a rate per trade that is negotiated between LOWA and the custodian clearing the trades. LOWA will receive no additional compensation for offering the wrap fee program. Clients whose assets are invested through the LOWA Wrap Program should please see the separate Wrap Fee Brochure for a more complete description of the Wrap Program.