THE FIRM 1 North Wealth Services, LLC, informally known as “1NW Services” or “1NorthWealth” (referred to also as “the Company,” “the Adviser,” or “1NWS”) is an investment advisory firm. The principal owner of the Company is James E Brennan, CFP, Managing Member and Director of Financial Planning. 1NWS furnishes advice in the areas of investments and financial planning. We provide clients with discretionary investment advice, including asset allocation services, based on their stated objectives, needs, risk tolerance, and desired management style. Financial planning services can include retirement planning, comprehensive financial planning, education funding, and financial review. Occasionally, 1NWS gives advice on risk management, cash flow management, and the acquisition, retention, and/or liquidation of non-security type assets. Because Risk management is often part of the financial planning process, 1NWS offers insurance and fringe benefits consulting which may lead to referrals to unaffiliated insurance providers (see disclosure below in Item 4: Miscellaneous and at Item 10). DISCRETIONARY MANAGED ACCOUNT PROGRAM In this program, 1NWS is given discretionary trading authority to actively manage your accounts. After a thorough, fact-finding consultation where your current assets and liabilities are listed, and goals and objectives are defined, we will advise you as to which types of investments are appropriate to accomplish your stated objectives. We carefully consider the timeframe of your goals, your risk tolerance, the general outlook of the economy, and the current investment markets. We offer customized portfolios, depending on your individual investment style profile as determined by your responses in interviews and/or written questionnaires and your personal preference for Environmental Stewardship, Social Responsibility, and/or Corporate Governance (ESG) investing. 1NWS provides research and initial asset allocation services to establish a diversified portfolio based on client stated objectives. Subsequently, we monitor the investments and rebalance client portfolios as necessary or when there is any change in client objectives. Our service also includes quarterly reports provided electronically (unless elected to receive paper reports) and updating meetings annually, or at client request. For continuous active asset management, 1NWS is given discretionary trading authority by the client. This allows the firm to buy or sell securities within your account(s) as well as specify the number of securities to invest, without first obtaining your specific consent. This consent is limited only by the presence or absence of margin features and the approved level of options trading on the account(s). You may, at any time, elect to place restrictions on purchase or sale of certain securities. For instance, you may ask us to buy (or not to buy) certain securities, or you may ask us not to sell certain holdings already owned that you wish to retain. We do not, as a rule, research or monitor those investments that have not been specifically recommended by the Firm. You will be ultimately responsible for monitoring client restricted investments, although we will assist you on request. ASSETS UNDER MANAGEMENT As of March 27, 2024 the Firm had under management: $273,167,944.00 in Discretionary Managed Client Accounts $ 0 in Non-Discretionary Client Accounts $273,167,944.00 Total Assets Under Management MISCELLANEOUS: Limitations of Financial Planning and Non-Investment Consulting/Implementation Services: To the extent specifically requested, 1NWS will generally provide financial planning and consulting services regarding non- ADV BROCHURE PART 2A 5 investment related matters, such as tax and estate planning, insurance, etc. Such services may be provided inclusive of 1NWS’ advisory fee set forth at Item 5 below for those clients that maintain at least $1million under management (however, exceptions do occur based upon the complexity of the planning/consulting engagement, for which an additional fee will be charged). Otherwise, such services will generally be provided for a separate/additional fee per the terms and conditions of a separate stand-alone planning agreement. Please note: 1NWS does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, 1NWS does not prepare estate planning or any other legal documents, tax returns, or sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purposes (i.e., attorneys, accountants, insurance, etc.). You are under no obligation to engage the services of any such recommended professional. You retain absolute discretion over all such implementation decisions and are free to accept or reject any recommendation from 1NWS and/or its representatives. Please note: If you engage any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from and against the engaged professional. ANY QUESTIONS: 1NWS’ Chief Compliance Officer, James Brennan, CFP, remains available to address any questions that a client or prospective client may have regarding the above and corresponding conflict of interest. Please Note: Retirement Rollovers - Potential for Conflict of Interest: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If 1NWS recommends that a client roll over their retirement plan assets into an account to be managed by 1 North Wealth, such a recommendation creates a conflict of interest if 1NWS will earn new (or increase its current) compensation as a result of the rollover. If 1NWS provides a recommendation as to whether a client should engage in a rollover or not (whether it is from an employer’s plan or an existing IRA), 1NWS is acting as 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. No client is under any obligation to roll over retirement plan assets to an account managed by 1NWS, whether it is from an employer’s plan or an existing IRA. 1NWS’ Chief Compliance Officer, James Brennan, remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. Custodian Charges – Additional Fees: As discussed below at Item 12, when requested to recommend a broker- dealer/custodian for client accounts, 1NWS generally recommends

that Charles Schwab serves as the broker- dealer/custodian for client investment management assets. Broker-dealers such as Schwab charge transaction fees for effecting securities transactions. In addition to 1NWS’ investment advisory fee referenced in Item 5 below, you will also incur transaction fees to purchase securities for your account (i.e., mutual funds and exchange traded funds, individual equity, fixed income securities, etc.). ANY QUESTIONS: 1NWS’ Chief Compliance Officer, James Brennan, CFP, remains available to address any questions that a client or prospective client may have regarding the above. Please note – use of mutual and exchange traded funds: Most mutual funds and exchange traded funds are available directly to the public; thus, a prospective client can obtain many of the funds that may be utilized by 1NWS independent of engaging 1NWS as an investment advisor. However, if a prospective client determines to do so, he/she will not receive 1NWS’ initial and ongoing investment advisory services. Please also note: In addition to 1NWS’ investment advisory fee described in Item 5, and transaction and/or custodial fees discussed below, you will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). ANY QUESTIONS: 1NWS’ Chief Compliance Officer, ADV BROCHURE PART 2A 6 James Brennan, CFP, remains available to address any questions that a client or prospective client may have regarding the above. ERISA Plan and 401(k) Individual Engagements: ▪ Trustee-Directed Plans: 1NWS may be engaged to provide investment advisory services to ERISA retirement plans, whereby 1NWS shall manage Plan assets consistent with the investment objective designated by the Plan trustees. In such engagements, 1NWS will serve as an investment fiduciary as that term is defined under the Employment Retirement Income Security Act of 1974 (“ERISA”). 1NWS will generally provide services on an “assets under management” fee basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the Firm. ▪ Participant-Directed Retirement Plans: 1NWS may also provide investment advisory and consulting services to participant-directed retirement plans per the terms and conditions of a Retirement Plan Services Agreement between 1NWS and the Plan. For such engagements, 1NWS shall assist the Plan sponsor with the selection of an investment platform from which Plan participants shall make their respective investment choices (which may include investment strategies devised and managed by 1NWS), and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision- making process. ▪ Client Retirement Plan Assets: If requested to do so, 1NWS shall provide investment advisory services relative to the client’s 401(k) plan assets. In such event, 1NWS shall recommend that the client allocate the retirement account assets among the investment options available on the 401(k) platforms. 1NWS shall be limited to making recommendations regarding the allocation of the assets among the investment alternatives available through the Plan. 1NWS will not receive any communications from the Plan sponsor or custodian, and it shall remain the client’s exclusive obligation to notify 1NWS of any changes in investment alternatives, restrictions, etc. pertaining to the retirement account. Please Note: Cash Positions. 1NWS continues to treat cash as an asset class. As such, unless determined to the contrary by 1NWS, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating 1NWS’ advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), 1NWS may maintain cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, 1NWS’ advisory fee could exceed the interest paid by the client’s money market fund. ANY QUESTIONS: 1NWS’ Chief Compliance Officer, James Brennan, remains available to address any questions that a client or prospective may have regarding the above fee billing practice. Portfolio Activity: 1NWS has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, 1NWS will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, fund manager tenure, style drift, account additions/withdrawals, and/or a change in your investment objective. Based upon these factors, there may be extended periods of time when 1NWS determines that changes to your portfolio are neither necessary nor prudent. Of course, as indicated below, there can be no assurance that investment decisions made by 1NWS will be profitable or equal any specific performance level(s). Client Obligations: In performing our services, 1NWS shall not be required to verify any information received from you or from your other professionals and is expressly authorized to rely thereon. Moreover, it remains each client’s ADV BROCHURE PART 2A 7 responsibility to promptly notify 1NWS if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Investment Risk: Different types of investment involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by 1NWS) will be profitable or equal any specific performance level(s). Please Note: Socially Responsible Investing Limitations. Socially Responsible Investing involves the incorporation of Environmental, Social and Governance considerations into the investment due diligence process (“ESG”). There are potential limitations associated with allocating a portion of an investment portfolio in ESG securities (i.e., securities that have a mandate to avoid, when possible, investments in such products as alcohol, tobacco, firearms, oil drilling, gambling, etc.). The number of these securities may be limited when compared to those that do not maintain such a mandate. ESG securities could underperform broad market indices. Investors must accept these limitations, including potential for underperformance. Correspondingly, the number of ESG mutual funds and exchange-traded funds are few when compared to those that do not maintain such a mandate. As with any type of investment (including any investment and/or investment strategies recommended and/or undertaken by 1NWS), there can be no assurance that investment in ESG securities or funds will be profitable or prove successful.