ABOUT US Founded in 2015, BBAE Advisors LLC ("BBAE") is a digital investment advisory firm offering fee-based asset management services through its online platforms, including its mobile apps BBAE and BBAE Pro. BBAE is an investment advisor registered with the SEC, and is 100% owned by BBAE Holdings LLC, a Delaware domiciled limited liability company. BBAE Holdings LLC is majority owned by BBAE Holdings Ltd., a British Virgin Islands domiciled limited company. BBAE Holdings Ltd. is jointly controlled by Mr. Barry Freeman and Mr. Xibo Zhe. Mr. Barry Freeman has served as the CEO of BBAE since its inception in 2015. In October of 2020, Mr. Tyler Kushera was appointed the Firm’s Chief Compliance Officer. BBAE is registered with the SEC as an investment adviser and operates as a digital investment adviser. The company offers the BBAE MyAdvisor Program ("MyAdvisor" or "MyAdvisor Program"), a specialized investment program that provides discretionary portfolio management services through a wrap fee program. MyAdvisor offers clients personalized asset allocation, with choices among different portfolios of smart beta portfolios of individual stocks. The MyAdvisor Program is accessible via BBAE's proprietary mobile application, available on the company's website at www.bbae.com (the "Website"). For more detailed information about BBAE's products and services, you can refer to the Firm's Form ADV Part 1, available at www.adviserinfo.sec.gov. The Firm also encourages interested individuals to visit the Website to learn more. SERVICES WE OFFER At BBAE, we bring modern, convenient investing experiences to our Clients through the BBAE MyAdvisor Program. This program offers access to a wide range of investing strategies, including actively managed equity portfolios leveraging smart beta principles, all accessible via an intuitive mobile app interface. Smart Beta and Customized Portfolio Management Through the MyAdvisor Program, BBAE offers discretionary services to clients, providing access to professional portfolio management that leverages the principles of smart beta at an affordable rate. Our aim is to create customized portfolios that align with each client's specific risk tolerance and financial objectives. By incorporating actively managed stocks selected based on growth and value factors, combined with fixed income ETF portfolios, we strive to optimize investment returns for our clients. Equity Components: BBAE utilizes smart beta strategies to develop a tailored investment program. The equity portfolios are built upon the foundation of the MarketGrader indices, which are designed to identify high-quality companies with strong growth potential. These indices employ a rigorous and transparent methodology that evaluates stocks based on fundamental factors such as revenue growth, profitability, and earnings quality. By utilizing the MarketGrader indices, we leverage their expertise and research to guide the stock selection process. MarketGrader is a leading provider of Smart Beta Model Portfolios that offer BBAE's clients a systematic approach to achieve superior risk-adjusted returns by identifying and investing in the highest quality companies. MarketGrader rates every investable company in the U.S. public markets using a proprietary methodology that emphasizes sustainable growth at reasonable prices (GARP) and places a strong emphasis on quality, irrespective of company size, sector, or business model. Their belief is that consistent creators of economic value generate the best long-term shareholder returns. MarketGrader's objective is to provide investors with a straightforward and transparent way to capture those returns and build lasting wealth. As pioneers in the Smart Beta Indexes category, MarketGrader selects stocks based on factors beyond just size, focusing on company fundamentals. Backed by a 20-year track record of delivering superior risk-adjusted returns across global markets, MarketGrader's quantitative analysis engine assists investors in finding the best long-term value creators. The MyAdvisor Program portfolios seek to provide personalized, long-term oriented investment portfolios that are investing based on clients' personal information, including investment risk and financial parameters: 1. The BBAE MarketGrader Core Portfolio: this portfolio is designed to serve as the foundation of a long-term capital appreciation strategy. This portfolio combines large, mid, and small-cap stocks in an optimal manner to achieve a balance between maximizing total returns and mitigating unnecessary risks at both the company and portfolio levels, as identified through the MarketGrader indices. 2. The MarketGrader Growth Compounding Portfolio: this portfolio is tailored for investors who are open to assuming slightly higher levels of risk compared to the Core portfolio. This portfolio allocates a greater proportion of its holdings to mid and small- cap companies, while also incorporating a large-cap portfolio that emphasizes growth- oriented companies. By doing so, the Growth Compounding Portfolio aims to capitalize on growth opportunities and potential compounding returns, as identified through the MarketGrader indices. 3. The BBAE MarketGrader Growth & Income Portfolio: The Growth & Income Portfolio is specifically designed for investors seeking consistent dividend payments from their equity portfolio while still aiming for long-term capital appreciation. In addition to the dividend return, the portfolio also seeks to match, at a minimum, the market's beta return in terms of price appreciation. This strategy allows investors to benefit from both steady income generation and potential growth in their investment, as identified through the MarketGrader indices. Each strategy is constructed based on the insights provided by the MarketGrader indices, ensuring a diversified equity portfolio that aligns with clients' investment objectives and risk profiles. Fixed Income Components: In addition to the equity component, the MyAdvisor Program offers a fixed income component to provide diversification and income generation. For the fixed income portion of the portfolios, the BBAE Fixed Income portfolio is utilized and includes exchange-traded funds (ETFs) managed by Vanguard. The BBAE Fixed Income portfolio consists of a carefully

curated selection of Vanguard low-fee fixed income ETFs, which provide a strong foundation for our clients' fixed income strategies. The combination of the equity component, guided by the MarketGrader indices, and the fixed income component utilizing the BBAE Fixed Income portfolio, allows the MyAdvisor Program to create well-rounded investment portfolios that seek to deliver long-term capital appreciation and income generation while managing risks. It is important to note that the recommendations made through the MyAdvisor Program do not include the use of margin (leverage) or options. Overall, our Smart Beta and Customized Portfolio Management services offered through the MyAdvisor Program aim to provide clients with professionally managed portfolios that align with their individual risk tolerance and financial goals. By combining the principles of smart beta with personalized strategies for both equity and fixed income components, we strive to deliver superior investment outcomes for our valued clients. COMPREHENSIVE INVESTMENT OFFERINGS BBAE provides discretionary investment advisory services to individually managed accounts (each a “Client,” and collectively, “Clients”) within a program that bundles services and charges a single fee based on asset value (the “Wrap Program”). The MyAdvisor Program seeks to provide personalized, long-term oriented investment portfolios, primarily comprising high- quality, actively managed stocks. Services in the Program include advisory, trade execution, clearance, settlement, custody, and reporting. BBAE offers these services to individual taxable accounts and corporate taxable accounts. From time to time, BBAE intends to introduce additional products or services under the Program, continually enhancing our long-term oriented investment portfolio offerings. Future offerings will contain specific terms and additional risk disclosures. INVESTMENT ADVISORY FIDUCIARY STANDARD As investment advisors, BBAE acts as a fiduciary for all of our investment management clients, including those participating in the MyAdvisor Program. This means that we have an obligation to act in the best interests of our clients and to provide investment advice that serves their best interests. While BBAE strives not to engage in activities that create a conflict of interest with our clients, if a conflict of interest does arise, we will disclose that conflict to the client. Reasonable care is employed by BBAE to avoid misleading clients, and full and fair disclosure of all material facts (including fees) are made to our clients and prospective clients. We fulfill our fiduciary obligations by collecting information about you and your investment goals, including your risk tolerance and objectives for smart beta investing, so that our recommendations are customized to be in your best interests. We disclose our services, advisory fees, compensation arrangements, and material conflicts of interest within this brochure and in the client agreement, which are acknowledged by your signature. Our commitment to the principles of smart beta and to providing accessible, transparent, and expertly guided investment opportunities underscores our dedication to acting in our clients' best interests. LEGAL AND TAX CONSIDERATIONS The MyAdvisor Program does not offer comprehensive financial or tax planning or legal advice. Clients are encouraged to seek counsel from their own tax, financial, and legal advisers. Neither BBAE nor its affiliates are responsible for maintaining compliance with tax requirements or determining individual tax treatment. Neither BBAE nor its affiliates are responsible for withholding tax penalties or income tax, except as required by law. INDIVIDUALIZED SERVICES AND INVESTMENT RESTRICTIONS BBAE’s MyAdvisor Program interacts with its Clients through a software application that is available on mobile platforms and through BBAE's website, www.bbae.com (collectively known as the “BBAE Platform”). The advisory services are delivered through the BBAE Platform. Each Client provides personal information about themselves, including financial resources, investment goals, and objectives by answering a questionnaire (the “Client Questionnaire”). BBAE utilizes the information from the Client Questionnaire to create an investment portfolio that is customized to each Client’s risk tolerance, financial parameters, and investment objectives. For each Client's portfolio plan, BBAE considers the Client’s employment status, income, investment goals, reasons to invest, investment time horizon, and investable assets. BBAE evaluates each Client's responses and proposes a portfolio plan from among five different risk categories, from a range of conservative to more aggressive portfolios. BBAE's investment model leverages smart beta principles, which is expected to result in recommendations that seek to provide optimal risk-adjusted return for a given Client, within the necessary constraints and bounds, regardless of the deposit size. The portfolio recommendation created by BBAE for each Client is based largely upon the information provided by the Client. As such, the suitability of the investment plan recommendations is limited by and relies on the accuracy and completeness of the Client Questionnaire provided by the Client. BBAE does not capture any additional information not covered in the Client Questionnaire in making its portfolio recommendation and providing its investment advice. A Client may specify the degree of risk level associated with their Client account, and the amount of assets in the Client account. A Client is not able to select specific securities. Each Client is able to update their risk profile or select (switch to) a recommended portfolio with a different risk profile. Clients are obligated to update their information promptly if there are changes to their financial situation, goals, objectives, personal circumstances, time horizon, or if other relevant information changes or becomes available. WRAP PROGRAM As described above, BBAE offers its investment advisory services for wrap accounts through the BBAE MyAdvisor Program. For more information about the BBAE MyAdvisor Program, please see the Wrap Fee Program Brochure Appendix attached below. ASSETS UNDER MANAGEMENT As of December 31, 2023, BBAE has $315,380 in discretionary client regulatory assets under management and no non-discretionary client regulatory assets under management.