IAG Wealth Partners, LLC (“IAG”) is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”). IAG has been registered as an investment adviser since April 1985. The firm specializes in offering financial planning and investment management services to its clients. Lori A. Watt is the principal owner of IAG. IAG does not control any other firm. The advisory services of IAG are described in detail below. Initial Financial Planning Services IAG’s Initial Financial Planning services involve appraisal of a client's financial situation, including an analysis of his or her entire financial planning needs and investment portfolio. The information provided by a client is examined in relation to the long and short-term investment objectives expressed by the client, client needs perceived by IAG, market conditions and general economic conditions. The advice includes specific recommendations regarding long and short term financial planning and recommendations regarding the retention or disposition of the client's securities and other investments. This service also includes at least one written report and one or more meetings with the client to discuss the status of the client's financial situation and IAG's specific recommendations. Services are limited to six months of advice. Services beyond six months are available by separate agreement. All planning is based on information provided by the client. It is the client’s responsibility to be certain IAG has current and accurate information to enable IAG to prepare the initial plan, and it is the client’s responsibility to inform the Representative of material changes affecting the investments and planning strategies implemented so the Representative has them for future reference. Follow-up Financial Planning Services Because each client's financial situation and goals change, clients are encouraged by IAG to have their financial situation reexamined periodically. Clients may wish to have follow-up reviews and analyses performed by IAG after receiving the firm's six month Initial Financial Planning services. Such follow-up reviews are performed, and reports provided, as frequently as the client and IAG agree. Consulting Services IAG provides Consulting Services on an hourly fee basis. Consulting Services include, but are not limited to, financial and retirement planning, investment strategies, and analysis of a client's financial assets with recommendations for the selection and positioning of such assets. Consideration is given to risk tolerance, income needs and short and long-term financial objectives. Consulting Services result in a report being provided to each client which will be in writing if requested by a client. All Consulting Services advice is based on information provided by the client. It is the client's responsibility to be certain that IAG has current and accurate information. Investment Advisory Services The client can determine to engage IAG to provide discretionary or non-discretionary investment advisory services. IAG’s annual investment advisory fee shall be based upon a percentage (%) of the market value of the assets placed under IAG’s management in accordance with the fee schedule to the services between IAG and the client. All advice will be provided in light of the client's stated goals, objectives and restrictions. IAG WEALTH PARTNERS - Form ADV Brochure 5 | P a g e As a general rule, IAG believes that investing is best suited to those who believe in a long-term buy-and- hold policy. Therefore, clients should not expect frequent investment changes in the portfolio. However, as a result of monitoring the account, investment purchase and sales will be made. Investments are not held by IAG. Instead, all investment managed by IAG are usually held at the brokerage firm (“Custodian”) through which transactions are placed. IAG does not assure or guarantee the results of its Investment Advisory Services; thus, losses can occur from following IAG's advice pertaining to any investment or investment approach, including using conservative investment strategies. As of December 31, 2023, IAG had $1,133,579,724 under discretionary management. Strategic Wealth Management (SWM) Program - IAG provides advisory services through an SWM - CLT account through LPL (formerly known as SWM I accounts), and IAG representatives determine, in consultation with the client, if a SWM account is appropriate for the client’s investment objectives. Through the SWM account, the client will bear transaction charges for purchases, sales and exchanges in their account, including for mutual funds, equities, fixed income securities and options. Clients authorize LPL to deduct from their account the transaction charges and other fees applicable to the account. The transaction charges are paid to LPL to defray costs associated with trade execution; however, they are not directly related to transaction-related expenses of LPL and are a source of revenue to LPL. The transaction charges vary depending on the type of security being purchased or sold (e.g. currently $7 for equities, $35 for unit investment trusts). In the case of mutual funds, the transaction charges vary depending on whether LPL retains compensation from the mutual fund for services it provides to the fund, such as recordkeeping fees and asset-based service fees or sales charges. LPL uses that compensation from mutual funds to reduce its trading costs, and therefore, assesses a lower transaction charge to clients. Mutual fund transaction charges are currently either $0 or $26.50. LPL does not charge a transaction charge for fixed income securities (e.g., bonds or structured products); however, LPL acts as principal on fixed income security transactions and receives a mark up/down on the transaction. Notification of standard transaction charges applicable to a SWM account will be provided to the client in connection with the account opening. These charges are subject to change at the discretion of LPL. Clients will be notified of any changes through the information provided with periodic statements. In many instances, LPL makes available mutual funds in SWM accounts that offer various classes of shares, including shares designated as Class A Shares and shares designed for advisory programs, which can be titled, for example, as “Class I,” ‘institutional,” ”retail,” “service,” “administrative” or “platform” share classes (“Platform Shares”). Clients should understand that another financial services firm may offer the same mutual fund at a lower overall cost to an investor than is available through SWM accounts. In other instances, mutual funds may offer only Class A shares, but another similar mutual fund may be available that offers Platform Shares. Class A Shares typically pay LPL a 12b-1 fee for providing brokerage related services to the mutual funds. Platform Shares are generally not subject to 12b-1 fees. As a result of the different expenses of the mutual fund shares classes, it is generally more expensive for a client to own Class A Shares than Platform Shares. An investor in Platform Shares will pay lower fees over time, and keep more of his or her own investment returns than an investor who holds Class A Shares of the same fund. When selecting share classes, IAG generally applies the following methodology to evaluate which share class is most suitable for a client: SWM: We evaluate factors such as anticipated holding period, transaction cost, investment amount, anticipated rebalancing frequency, and historical manager retention rates, and we will seek to recommend the share class that is most likely to result in the lowest cost to our clients. Please note that because there are numerous variables beyond our control, the share class we select will not always actually result in the lowest overall cost to our clients. IAG WEALTH PARTNERS - Form ADV Brochure 6 | P a g e Model and Non-Model Portfolio Investment Options IAG also offers both model-based investment strategies (“Core Portfolios”) and custom investment strategies (“Non-Model Portfolios”) to manage your account(s) in a manner that is consistent with your investment objectives. A Core Portfolio is designed to achieve a specific investment objective and consists of several elements, including the investment strategy, asset class selection, asset class target allocation, and the selection of investment securities. If your account is invested using a Core Portfolio, your assets will be invested in a manner that is substantially identical to other clients investing in the same Core Portfolio. In consultation with your investment adviser representative, if you select to invest in a Core Portfolio, you would be required to do so through a SWM - CLT account (“SWM”) (formerly known as an SWM I account) and would be subject to the costs associated with SWM accounts. Third-Party Money Managers IAG is expected at times to enter into agreements with various third-party investment advisers. Under these agreements, IAG

offers clients various types of programs sponsored by these advisers. All third-party investment advisers to whom IAG will refer clients will be licensed as investment advisers by their resident state and any applicable jurisdictions or registered investment advisers with the SEC. IAG assists clients with identifying the client’s risk tolerance and investment objectives. IAG will recommend third-party investment advisors in relation to client’s stated investment objectives and risk tolerance. A client then selects a recommended third-party investment advisor based upon the client’s needs. Clients will enter into an agreement directly with the unaffiliated third-party investment advisor who shall provide asset management services. IAG will be available to answer questions a client has regarding their account and act as the communication conduit between the client and the third-party investment advisors. Third-party investment advisors may take discretionary authority to determine the securities to be purchased and sold for the client. Neither advisor nor its associated persons will have any trading authority with respect to client’s managed account with the third-party investment advisor(s). Third-party managed programs generally have account minimum requirements that will vary from investment advisor to investment advisor. Account minimums are generally higher on fixed income accounts than equity based accounts. A complete description of the third-party investment advisor’s services, fee schedules and account minimums will be disclosed in the third party investment advisor’s Form ADV Part 2A Appendix Brochure which will be provided to clients at the time an agreement for services is executed and account is established. Client reports will depend upon the third-party investment advisor. Third-party investment advisors recommended by IAG must be registered or exempt from registration in the state where the client resides. Clients are advised that investment adviser representatives may and, at times, will have a conflict of interest by only offering those third-party investment advisors that have agreed to pay a portion of their advisory fee to IAG. Clients are advised that there may be other third-party managed programs that may be suitable to the client that may be more or less costly. No guarantees can be made that client’s financial goals or objectives will be achieved. Further, no guarantees of performance can be offered. Investments involve risk, including the possible loss of principal. LPL Financial Sponsored Advisory Programs IAG also provides advisory services through certain programs sponsored by LPL Financial LLC, a registered broker-dealer, member FINRA/SIPC, and SEC-registered investment adviser (“LPL”). Below is a brief description of each LPL advisory program available to IAG. For more information regarding the LPL programs, including more information on the advisory services and fees that apply, the types of investments available in the programs and the potential conflicts of interest presented by the programs IAG WEALTH PARTNERS - Form ADV Brochure 7 | P a g e please see the LPL Financial Form ADV Part 2A or the applicable program’s Part 2A Appendix and the applicable client agreement. All services below depend upon LPL to administer the program and, depending upon the program, to actually manage client assets. Fees are collected by LPL, then IAG’s portion is sent to IAG. Optimum Market Portfolios Program (OMP) - OMP offers clients the ability to participate in a professionally managed asset allocation program using Optimum Funds Class I shares. Under OMP, client will authorize LPL on a discretionary basis to purchase and sell Optimum Funds pursuant to investment objectives chosen by the client. IAG will assist the client in determining the suitability of OMP for the client and assist the client in setting an appropriate investment objective. IAG will have discretion to select a mutual fund asset allocation portfolio designed by LPL consistent with the client’s investment objective. LPL will have discretion to purchase and sell Optimum Funds pursuant to the portfolio selected for the client. LPL will also have authority to rebalance the account. A minimum account value of $1,000 is required for OMP. Personal Wealth Portfolios Program (PWP) - PWP offers clients an asset management account using asset allocation model portfolios designed by LPL. IAG will have discretion for selecting the asset allocation model portfolio based on client’s investment objective. IAG will also have discretion for selecting third party money managers (PWP Advisors) or mutual funds within each asset class of the model portfolio. LPL will act as the overlay portfolio manager on all PWP accounts and will be authorized to purchase and sell on a discretionary basis mutual funds and equity and fixed income securities. A minimum account value of $250,000 is required for PWP. Model Wealth Portfolios Program (MWP) - MWP offers clients a professionally managed mutual fund asset allocation program. IAG obtains the necessary financial data from the client, assists the client in determining the suitability of the MWP program and then assists the client in setting an appropriate investment objective. IAG’s representatives will initiate the steps necessary to open an MWP account and have discretion to select a model portfolio designed by various strategists consistent with the client’s stated investment objective. The selected strategist is responsible for selecting the mutual funds within a model portfolio and for making changes to the mutual funds selected. The selected strategists may and, at times, are expected to also select ETFs, exchange-traded notes (“ETNs”), closed-end funds, equities or fixed-income securities pursuant to the client’s investment objective. The client will authorize LPL to act on a discretionary basis to purchase and sell mutual funds (including in certain circumstances exchange traded funds) and to liquidate previously purchased securities. The client will also authorize LPL to effect rebalancing for MWP accounts. A minimum account value of $10,000 is required for MWP. Manager Access Select Program - Manager Access Select provides clients access to the investment advisory services of professional portfolio management firms for the individual management of client accounts. IAG’s representatives first assist the client in identifying a third party portfolio manager (Portfolio Manager) from a list of Portfolio Managers made available by LPL. The Portfolio Manager manages client’s assets on a discretionary basis. Advisor will provide initial and ongoing assistance regarding the Portfolio Manager selection process. A minimum account value of $25,000 is required for Manager Access Select, however, in certain instances, the minimum account size will be adjusted to be higher. Guided Wealth Portfolios Program (GWP) - GWP offers clients a professionally managed ETF asset allocation program. In addition to the ETF asset allocation program, IAG expects in the future that the GWP program will also offer an open-end mutual fund asset allocation program. With respect to the GWP program, IAG assists the client in determining the suitability of the GWP program and then assists IAG WEALTH PARTNERS - Form ADV Brochure 8 | P a g e the client in confirming an appropriate investment objective. Clients enter the necessary financial data needed to open a GWP account and select the appropriate investment objective using the dedicated GWP web site. GWP portfolios are designed by LPL’s Research Department consistent with the client’s stated investment objective. LPL’s Research Department is also responsible for selecting the ETFs within a model portfolio and for making changes to the ETFs selected. The client will authorize LPL to act on a discretionary basis to purchase and sell ETFs and to liquidate previously purchased securities. The client will also authorize LPL to effect rebalancing for GWP accounts. A minimum account value of $5,000 is required for GWP. NTF Network for Certain ETFs and Mutual Funds - LPL Financial makes available select exchange- traded funds (“ETFs”) and mutual funds with no transaction fees (“NTF Network”). The NTF Network is available to clients participating in LPL’s Strategic Wealth Management (“SWM”) program. We review historical data in connection with a number of factors including actual number of trades, holding duration, investment amount, and the expense ratio difference among a mutual fund’s share classes when recommending a share class to clients. As a result, we at times will recommend mutual funds and ETFs that have higher overall expenses than other mutual funds and ETFs included in the NTF Network. In addition, other major custodians have eliminated transaction fees for all ETFs, mutual funds, and U.S. equities, so clients, at times, will pay more for investing in the same securities through LPL. There are no account minimums to participate in the SWM programs or NTF Network.