Bernardo Wealth Planning, LLC (“BWP”) has been in business since June 2017. However, the principal Nicholas Bernardo has worked under the trade name Bernardo Wealth Planning through another firm. BWP’s focus is on creating, maintaining, and implementing a meaningful financial plan for each of its clients, who may be families, individuals, trusts, retirement plans, or other organizations. Financial Planning Many of our engagements include financial planning. It is the cornerstone of BWP’s approach to aiding clients in meeting their financial and life goals. The process begins with an introductory meeting where a BWP professional explains how BWP performs its services, what is expected of BWP, and what will be needed from the client. If the client elects to work with BWP, a subsequent meeting will be scheduled where the client shares their current situation and life goals are explored. This typically includes discussing financial objectives, identifying financial issues, cash flow management, tax planning, investment review and advice, education funding planning, retirement planning, insurance needs review and advice, and estate planning. Clients will be requested to provide documents including personal information, income, expenses, taxable and retirement investments, insurance, tax, and other necessary information. After this meeting, BWP will analyze the information and prepare a written plan for client review. This plan will be presented to the client. Generally, there is no separate charge for financial planning. Clients who receive planning services will either elect to continue to work with BWP through asset management and/or ongoing planning for a fee, or they may choose to implement their plan elsewhere or not at all. In that case, there would be no fee charged. Asset Management When we perform asset management services, we will do so on a discretionary basis. In most cases, BWP will have a financial plan to guide these decisions to ensure they are within the client’s investment objectives. If a financial plan is not in place, we will gather client investment objectives and information through a risk assessment questionnaire and/or client dialogue. Clients may at any time place restrictions on the types of investments we may use on their behalf, or the allocations to each security type. Clients can also always make deposits or withdrawals in their accounts at any time. When services are performed on a discretionary basis, BWP will not seek specific approval for each change to a client account. Because we take discretion when managing accounts, clients engaging us will be asked to execute a Limited Power of Attorney (granting us discretionary authority over the client accounts) as well as an agreement that outlines the responsibilities of both the client and BWP.

If you request, BWP may recommend the services of other professionals for implementation purposes. 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 BWP. If you engage any professional recommended by BWP, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from and against the engaged professional. Pooled Accounts BWP also offers its clients the ability to invest in pooled investment vehicles, B Capital Fund I, LLC (“B Capital Fund I”), B Capital Fund II, LLC (“B Capital Fund II”), B Capital Core Real Estate Fund, LP (“B Capital Core Real Estate Fund”), B Capital FinTech Growth Fund (“B Capital FinTech Growth Fund”), and B Capital Watermark 2022 (“B Capital Watermark 2022”), B Capital Watermark 2023, LP (AI) (“B Capital Watermark 2023 AI”), B Capital Watermark 2023 QP, LP (“B Capital Watermark 2023 QP”), and B Capital Make Plays Media Fund, LP (“B Capital Make Plays Media Fund”)(collectively “B Capital Funds”). Affiliates of BWP serve as the Manager of B Capital Funds. The investment program of B Capital Funds involves the investment of assets, both directly and indirectly through third-party managers in various asset classes including venture capital, private equity, and real estate. Clients may be invited to invest in the private placement on a non- discretionary basis, and only if the respective investment is appropriate for the client. The manager charges a management fee to the private placement. The management of assets in B Capital Funds is managed per the fund’s offering documents. Clients invested in B Capital Funds should consult that vehicle’s offering documents. Retirement Plan Consulting Services The fiduciaries of self-directed retirement plans (which can include 401(k) plans) are required to, among other things, determine a selection of investments from which the plan’s participants choose for their personal allocation in their individual participant account. BWP may assist plan sponsors in meeting this obligation through a consultative relationship including the selection of the plan investment options per the plan’s objectives, as well as the ongoing monitoring of those options to assist the plan sponsor in determining when changes to these options are needed. This advice is rendered on a non-discretionary basis, meaning the plan sponsor is free to accept or reject BWP’s recommendations. In addition, if requested by the plan sponsor, BWP may assist with the review of the plan’s respective service providers. Assets Under Management As of December 31, 2023, Bernardo Wealth Planning, LLC has $609,819,853 in discretionary assets under management.