A. Business Commencement Date Pioneer Family Office, LLC (“PFO”) (formerly known as Triple 5 Wealth Management, L.L.C.) was organized in Florida in May of 2005 to offer investment management services. B. Ownership PFO is wholly owned by Pioneer Administrative Services Limited (PASL), a limited company established in 1988 under the laws of Israel. PASL is wholly owned by Pioneer International Limited, which in turn is wholly owned by the Indigo International Group Limited. Collectively, we refer to these companies and their affiliates as The Pioneer Group. PFO also uses the brand name “Pioneer Wealth Management.” The use of this brand name is shared among PFO and certain of its affiliates. C. Services INVESTMENT ADVISORY SERVICES. Generally, Investment Advisory Services require a minimum account value of US$3,000,000, although the account minimum can be lowered. For each client relationship, services include, but are not limited to, asset allocation analysis, portfolio monitoring, and securities selection. We ask the client to provide us with certain investment and financial profile information. From this information, we help the client determine investment objectives, risk tolerances, liquidity needs, and investment time horizons. The client opens a brokerage account with a broker/dealer (unless a brokerage account has already been established). Clients are free to select the financial institutions that custody their assets. We will recommend one or more financial institutions upon a client’s request. We do not receive any compensation from these financial institutions for recommendations made. Once the brokerage account is funded, on an ongoing basis during the term of the advisory agreement, we select the securities in which the client’s assets will be invested. The advisory agreement signed by the client gives us the authority to buy, sell, and trade the securities in the client’s account. We manage the account on a discretionary basis, which means that we buy and sell securities without asking the client’s permission for each transaction. Securities selection is based on our analysis of the client’s financial situation, needs, and objectives. For these clients, we prepare consolidated reports on a monthly basis. If a client directs us to include on these reports data about accounts we don’t manage, no inference should be drawn that we serve as the adviser on such accounts. We also manage, on a discretionary basis, accounts having a significantly lower aggregate value than the US$3,000,000 accounts described above. In these cases, the aggregate account minimum is generally US$250,000, although this minimum can be negotiated. For these accounts, the client opens (or already has) an account with Envestnet (which is an adviser that is not affiliated with us) by entering into a separate agreement with Envestnet. Envestnet offers various model portfolios. We assist the client in determining the model portfolio best suited for the client. Once the client is invested in the selected model, we utilize Envestnet’s platform for the management of the account’s assets. Transactions

are cleared and settled by Pershing and Pershing is the custodian for the Envestnet client accounts. We monitor the performance of the investments and ensure the investment style of the model portfolio remains aligned with the client’s investment goals and objectives. We are authorized to select new investment models on the Envestnet platform consistent with the client’s investment objectives. If we determine that no change in model portfolios is warranted, the client’s monies will remain in the selected portfolio. The advisory fees you pay to us do not cover Envestnet’s or Pershing’s fees. See Item 5B below for more information. NON-DISCRETIONARY SERVICES. We also manage accounts on a non-discretionary basis. In other words, we monitor and review an account and make securities recommendations to the client, which are based on the client’s financial and investment profile, but it is up to the client to decide whether to accept or reject our recommendations. If the client accepts our recommendations, the client is responsible for arranging for the transactions in the account. We will not arrange for the trades with the custodian unless the client specifically authorizes us to do so. ALL ACCOUNTS. Whether the client is receiving discretionary services or non- discretionary services, we encourage the client to notify us of any changes in financial situation, investment objectives or needs as such changes occur. We contact each client periodically, as agreed upon with the client, but at least annually, to review the client’s financial situation and objectives. For clients whose monies are invested through the Envestnet platform, we communicate to Envestnet any material changes in the client’s financial profile. USE OF SUB-ADVISOR. From time to time, we use a sub-advisor to provide portfolio management analysis and recommendations. Where a sub-advisor is used, we remain responsible for determining suitability of the managed assets and for determining the investment strategies employed. See Item 10E of this Brochure for more information about our sub-advisory relationship with our affiliate, Pioneer Financial Planning (92) Ltd. INVESTMENT PRODUCT TYPES. We will review all investment products in your portfolio at the inception of our advisory relationship. When recommending investments, generally, the Firm’s advice is more narrowly focused on the following universe of products: ▪ Exchange listed securities ▪ Securities traded over-the-counter ▪ Securities issued by foreign issuers, including foreign sovereign debt instruments ▪ Corporate debt securities, including commercial paper ▪ U.S. government securities ▪ Municipal Securities ▪ Mutual funds (foreign and domestic) ▪ Exchange-traded funds ▪ Structured products, including principal-protected notes ▪ Private equity funds ▪ Hedge funds ▪ Non-registered real estate-related funds D. Assets Under Management As of December 31, 2023, we were managing on a discretionary basis $703,204,904 of client assets. We also provide consultation services on an additional $41,371,492 as of December 31, 2023, making the total assets under management and consultation $744,576,396.