Cabot Wealth Management Inc. (CWMI) was founded in 1983 by Robert Lutts and is privately held. Mr. Lutts is 20% owner of the firm. Gregory Stevens, James Gasparello and Sonia Ernst also each own 20% of the firm’s outstanding shares, and Tom Vautin and Craig Goryl each own 10% of the shares. CWMI offers portfolio management to high-net-worth clients, endowments, non-profits, and business clients. In addition to portfolio management, CWMI offers wealth management services, including estate plan reviews, tax planning and preparation and financial planning services. The scope of these financial planning services is based on the level of assets managed for each client. CWMI works with clients to structure an investment portfolio based on the needs of each individual. An assessment of investment objective, risk tolerance, time frame and goals, along with other financial planning needs are considered when a portfolio allocation is recommended. Client portfolios consist of a combination of individual stocks and bonds, mutual funds and exchange traded funds. From time to time, when appropriate, CWMI may recommend a third-party manager to a client as a complement to their portfolio. CWMI will continually monitor each portfolio and work with clients to evaluate the appropriateness of their strategy. As an advisor, we provide the following services to our clients: - Consultation to determine clients’ risk profile and objectives and develop a customized investment plan based on their individual needs and goals - Evaluation of investment options that align with clients’ investment policies. - Review of clients’ current investments and development of a plan to integrate them into an a risk- appropriate, cost effective and tax efficient strategy. - Ongoing monitoring of clients’ portfolio holdings and market conditions.. - Allocation adjustments based on the investment policy agreed upon by the client and CWMI. - Periodic review meetings with clients to review specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Financial Planning Services CWMI offers different levels of financial planning and consulting services to help clients identify, prioritize and work towards their goals and objectives. Our consulting services give our clients the ability to receive a broad range of financial advice and services, including specific security recommendations, for the duration of the advisory agreement. CWMI’s financial planning and consulting services may include any of the following topics: ▪ Cash Flow Analysis ▪ Retirement Planning ▪ Estate Planning ▪ Charitable Giving

▪ Education Planning ▪ Business Planning ▪ Concentrated Stock ▪ Death & Disability While each of these services is available on a stand-alone basis, certain services may also be rendered in conjunction with investment portfolio management services as part of a comprehensive wealth management engagement. In performing these services, CWMI is not required to verify any information received from the client or from the client's other professionals (e.g., attorneys, accountants, etc.), and is expressly authorized to rely on such information. CWMI may recommend clients engage the firm for additional related services or recommend other professionals to implement our recommendations. These additional services by CWMI or another professional are provided at an additional cost to the client, which is based on the nature, extent, complexity, and other characteristics of the services. This creates a conflict of interest because CWMI will have an incentive to recommend additional services based on the compensation to be received, rather than solely based on the client’s needs, and in some cases, based on the prospect of cross-referrals of advisory clients from the other professional or his or her firm. Implementation of financial planning recommendations is entirely at a client’s discretion. Clients have complete freedom in selecting a financial adviser to assist them with implementing the recommendations made in their financial plan and are under no obligation to act on the advice of CWMI. Financial planning recommendations are of a generic nature and are not limited to any specific product or service offered by a broker dealer or insurance company. Should a client choose to implement the recommendations contained in the plan, CWMI suggests the client work closely with their attorney, accountant and/or insurance agent. CWMI will act solely in our capacity as a registered investment adviser and does not provide any legal, accounting or tax advice. Clients should seek the counsel of a qualified accountant and/or attorney when necessary. As part of CWMI’s advisory services, we may assist clients with tax loss harvesting and will work with the client’s tax specialist to answer any questions related to the client’s portfolio. Assets Under Management As of 12/31/2023, CWMI manages $1,006,895,386 in discretionary assets. Discretionary assets under management are those for which we have an ongoing responsibility to select and make securities recommendations that are in line with your financial needs and objectives and then effect those securities transactions without first consulting you. CWMI does not have any non-discretionary assets under management.