A. Description of the Advisory Firm WealthUnite Advisors LLC. (“WealthUnite” or “we”) is a Delaware Limited Liability Company formed in October 2016 and registered as an investment adviser with the United States Securities and Exchange Commission in December 2018. Eric DiAndrea is WealthUnite’s principal owner, Founder, Managing Member, and Chief Compliance Officer. WealthUnite’s advisory clients generally include, but are not limited to: 1. United Kingdom (“U.K.”) expatriates residing in the United States (“U.S.”). who have pension assets and other assets located overseas; and 2. U.S. residents with investable assets and are looking for U.S. based investment advice. B. Types of Advisory Services Investment Advisory Services Clients can engage WealthUnite to manage all or a portion of their investment assets on a non- discretionary basis. Before engaging with WealthUnite to provide investment advisory services, clients are required to enter into one or more written agreements setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the fee that is due from the client. WealthUnite provides non-discretionary investment advisory services specifically tailored to each client’s specific needs based on various factors including, but not limited the individual’s age, income, need for cash flow, investment goals, investment time horizons, liabilities, and risk tolerance. WealthUnite consults with clients initially and on an ongoing basis to address those issues and any developments that may affect investment goals and strategies. To begin the investment advisory engagement, WealthUnite collects client information during meetings, interviews, and by the completion of a “fact find” that assesses clients’ personal financial situation. WealthUnite’s investment adviser representatives (“IARs”) then analyze the client’s financial situation and formulates a suitability report, which outlines the client’s current financial situation and recommends an investment strategy using a combination of customized investments. WealthUnite’s investment advisory services primarily focus on the use of international pension schemes, described below, and the allocation of client assets among mutual funds, exchange- traded funds (“ETFs”), individual debt and equity securities, Undertakings for Collective Investment in Transferable Securities (“UCITS”), currency, and other investments, consistent with the investment objectives each client’s investment objectives. The clients’ financial situation is documented in the suitability report and fact find, which is delivered to the client before execution of any advisory agreements with WealthUnite. The fact find is reviewed at least annually WealthUnite seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of WealthUnite’s economic, investment or other financial interests. To meet its fiduciary obligations, WealthUnite attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, WealthUnite’s policy is to seek fair and equitable allocation of investment opportunities and transactions among its clients to avoid favoring one client over another over time. It is WealthUnite’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. WealthUnite's annual investment advisory fee compensates for investment management services and limited financial planning / goal planning services that are ancillary to the investment management process. There is no additional cost associated with the financial planning / goal planning services, which may address for example: cash flow, retirement needs, asset allocation consulting, educational funding, tax efficiency, charitable gifting, estate considerations, risk/insurance management, wealth transfer, and other special needs. WealthUnite provides these services as appropriate during the investment advisory process but is not obligated to provide these services with any regularity or according to a set schedule unless specifically agreed with the client. International Pensions WealthUnite’s primary business model focuses on ongoing advice of existing international pension plans or implementing and providing ongoing advice with respect to their U.K. pension plans. WealthUnite also advises clients on the investments held within the aforementioned plans. In this respect, WealthUnite gathers financial information, goals, and objectives from the clients and reviews the clients’ pension assets. Upon completion of the review, WealthUnite will provide analysis, explanation, and recommendations about the current pension plan, suitability, and options available to the clients. Upon client authorization, WealthUnite will request a statement of benefit from the clients’ existing U.K. pension plan administrator or trustee. If suitable, with the relevant permissions for the transfer of Safe Guarded Benefits and in the clients’ best interest, WealthUnite will assist with a transfer of pension assets to an alternative option discussed below. 1. Qualifying Recognized Overseas Pension Scheme (“QROPS”) Due to a legislative change by the U.K. Government in March 2017 imposing a 25% overseas transfer tax charge of the total value of the pension on certain new QROPS transfers, WealthUnite has determined not to accept or advise any new advisory business from persons residing in the U.S. who seek to transfer their U.K. pension, or any other assets, to a QROPS. WealthUnite provides investment advisory services to clients who have existing QROPS arrangements in regard to the ongoing investments held within these plans. 2. Self-Invested Personal Pension (“SIPP”) Subject to suitability, WealthUnite may recommend that clients transfer their U.K. pension assets to a Self Invested Personal Pension (“SIPP”), which is a type of U.K. based personal pension plan offered by third party providers. A SIPP holds investments until the member decides to draw income from the account. It is a type of personal pension and works in a similar way to a standard personal pension. The main difference is that with a SIPP, the member has more flexibility with the investments. A SIPP, subject to any applicable restrictions and allows clients to invest in a range of assets. The value of retirement benefits is determined by, among other things, (i) the amount of contributions made, (ii) the period that each contribution has been invested, and (iii) investment performance over the period. All QROPS and SIPP accounts are held by registered third-party pension trustees (registered with the relevant financial services regulator where the pension plan is held) and subject to the terms and conditions of a separate agreement between the clients and the third-party pension trustees. Pension assets are typically held custody by the agreed upon custodian and subject to the terms and conditions of a separate management agreement between the clients’ pension trustee and the custodian. Clients are strongly encouraged to review the agreement between the pension trustee and the custodian and other disclosure materials (like Terms and Conditions, Fee Schedules, and Key Features documents) provided by the pension trustee and the custodian for a full understanding of the services provided and any associated costs therein. WealthUnite’s IARs are required to provide clients with these relevant documents prior to or at the time of clients’ signing any investment advisory agreements. QROPS and SIPP statements are generally sent to clients on a quarterly basis (unless requested more frequently) by WealthUnite. QROPS and SIPP statements are generally sent to the clients on an annual basis directly from the selected pension trustee, the custodian of record, and/or any others similarly involved with the clients’ pension plan. clients are encouraged to review such material carefully for a complete understanding of the services offered and the costs associated with the management of such pension plans. The pension trustees and custodians may also make account information available online to clients through the investment platforms utilized in connection with QROPS and SIPP arrangements. clients are encouraged to review such material carefully for more information about the services offered by the pension trustees, the costs associated with the management of such pension plans, and the activity in their accounts. WealthUnite does not provide any tax advice including, without limitation, in relation to any U.S. tax reporting

requirements and/or other tax implications arising in relation to clients’ pension transfers. Although, from time to time, WealthUnite may inform clients of tax developments, WealthUnite recommends that clients seek their own tax advice, including advice on procedures under tax treaties between the U.S. and the U.K. (or other applicable jurisdiction) for the avoidance of double taxation on their respective pension arrangements. Miscellaneous Non-Discretionary Service Limitations - Because it is engaged on a non-discretionary basis, WealthUnite cannot execute any account transactions without obtaining the client’s prior consent to the transactions. Therefore, if WealthUnite would like to make a transaction for a client’s account (including removing a security that WealthUnite no longer believes is appropriate or adding a security that WealthUnite believes is appropriate), and the client is unavailable, WealthUnite will be unable to execute the account transactions (as it would for its discretionary clients) without first obtaining the client’s consent. This may place affected clients at an economic disadvantage. Limitations of Financial Planning / Goal Planning Services - Neither WealthUnite, nor any of its representatives, serves as an attorney, accountant, or licensed insurance agent, and no portion of WealthUnite’s services should be construed as legal, accounting, or insurance implementation services. Accordingly, WealthUnite does not prepare estate planning or any other legal documents, tax returns or sell insurance products. Unless specifically agreed in writing, neither WealthUnite nor its representatives are responsible to implement any financial planning or goal planning advice; provide ongoing financial planning or goal planning services; or provide ongoing monitoring of financial planning or goal planning advice. To the extent requested by a client, WealthUnite may recommend the services of other professionals for certain non-investment implementation purposes (i.e., attorneys, accountants, insurance agents, etc.). Clients are under no obligation to engage the services of any recommended professional, who will be solely responsible for the quality and competency of the services they provide. The client retains absolute discretion over all financial planning or goal planning implementation decisions and is free to accept or reject any recommendation from WealthUnite and its representatives in that respect. If the client engages any unaffiliated recommended professional, and a dispute arises related to the engagement, the client should seek recourse exclusively from and against the engaged professional. Retirement Plan Rollovers – No Obligation/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 WealthUnite recommends that a client roll over their retirement plan assets into an account to be managed by WealthUnite, such a recommendation creates a conflict of interest if WealthUnite will earn a new (or increase its current) advisory fee as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by WealthUnite. Portfolio Trading Activity / Inactivity - As part of its investment advisory services, WealthUnite will review client portfolios on an ongoing basis to determine if any trades are necessary based upon various factors, including but not limited to investment performance, fund manager tenure, style drift, account additions/withdrawals, the client’s financial circumstances, and changes in the client’s investment objectives. Based upon these and other factors, there may be extended periods when WealthUnite determines that upon review, trades within a client’s portfolio are not prudent. Clients nonetheless remain subject to the fees described in Item 5 during periods of portfolio trading inactivity. ERISA / IRC Fiduciary Acknowledgment - When WealthUnite provides investment advice to a client about the client’s retirement plan account or individual retirement account, it does so as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. Because way WealthUnite makes money creates some inherent conflicts with client interests, WealthUnite operates under a special rule that requires it to act in the client’s best interest and not put its interests ahead of the client’s. Under this special rule’s provisions, WealthUnite must: meet a professional standard of care when making investment recommendations (give prudent advice); never put its financial interests ahead of the client’s when making recommendations (give loyal advice); avoid misleading statements about conflicts of interest, fees, and investments; follow policies and procedures designed to ensure that WealthUnite gives advice that is in the client’s best interest; charge no more than is reasonable for WealthUnite’s services; and give the client basic information about conflicts of interest. Client Obligations – When performing its services, WealthUnite is not required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely on that information. Clients maintain responsibility to promptly notify WealthUnite if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising WealthUnite’s previous recommendations or services. Asset Aggregation / Reporting Services - WealthUnite may provide access to reporting services through one or more third-party aggregation / reporting platforms that can reflect all of the client’s investment assets, including those investment assets that the client has not engaged WealthUnite to manage (the “Excluded Assets”). WealthUnite’s service for the Excluded Assets is strictly limited to reporting, and specifically excludes investment management or implementation. Because WealthUnite does not have trading authority for the Excluded Assets, the client (and/or another investment professional), and not WealthUnite, will be exclusively responsible for directly implementing any recommendations for the Excluded Assets. Further, the client and their other advisors that maintain trading authority, and not WealthUnite, will be exclusively responsible for the investment performance or related activity (such as timing and trade errors) pertaining to the Excluded Assets. The third-party aggregation / reporting platforms may also provide access to financial planning information and applications, which should not be construed as services, advice, or recommendations provided by WealthUnite. Accordingly, WealthUnite will not be held responsible for any adverse results a client may experience if the client engages in financial planning or other functions available on the third-party reporting platforms without WealthUnite’s participation or oversight. C. Client Tailored Services and Client-Imposed Restrictions WealthUnite offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client’s current situation (income, and risk tolerance levels). Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent WealthUnite from properly servicing the client account, or if the restrictions would require WealthUnite to deviate from its standard suite of services, WealthUnite reserves the right to end the relationship. D. Wrap Fee Programs WealthUnite does not participate in any wrap fee programs, which are investment programs in which the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. E. Assets Under Management WealthUnite has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Number of clients Date Calculated: $0 $47,443,671 47 31 December 2023 Assets under management are valued by third-party custodians.