Overview of our Firm: At Elite Financial, Inc. (“Elite, us, we, our”), we provide people with objective, caring and thoughtful guidance as they navigate or plan for change in their lives. Our goal is to provide clients with direction, clarity and a sense of confidence to better facilitate thoughtful and wise decisions. Elite Financial, Inc. is owned by Ryan Skinner and was created in 2017 as an independent investment advisor to help clients with Investment Advisory Services as well as Financial Planning and Consulting. Through our Investment Advisory Services we provide portfolio management, trading, rebalancing and portfolio monitoring on a discre- tionary basis. We also provide Financial Planning & Consulting Services to help clients with investment and retirement planning, budg- eting, financial implications of life transitions and the establishment of goals and objectives. Advisory Services Provided: Discretionary Investment Advisory Services: Portfolio construction, investment selection, and execution of trades on a discretionary basis. Periodic reporting. Re-balance portfolio on an opportunistic basis and when appropriate to meet Client needs. Monitor portfolio allocation and underlying investments. Reallocate portfolio due to changes in the economy, the Client’s objectives, or performance of the mutual fund manager selected. Tax loss harvesting (where applicable). The investments are specifically tailored for each client and we typically recommend mutual funds and exchange-traded funds (“ETFs). However, on some occasions we will utilize stocks, bonds, CDs, money market funds and other investments available through the cus- todian who hold the client assets. Advice is provided through our Investment Advisor Representatives (“Representative”) and clients may impose restrictions for investing in specific securities or types of securities by noting the same on the advisory agreement signed with us, through email or in writing. Clients also have the ability to provide us access to accounts through an Order Management System provided through Pontera. Through Pontera we can

access and trade a client 401(k), HSA, or other brokerage accounts. Any accounts managed through Pontera will be governed by the Advisory Agreement (“Agreement”) you sign with our firm. Investments within Pontera are limited to the choices available through the custodian holding these accounts. Financial Planning & Consulting Services: If engaged by clients for Financial Planning & Consulting Services we may provide investment advice, financial goals and objectives analysis, financial and retirement planning (including the sale of a business), career choice and transitions, wealth transfer (inheritance or giving wealth to family or charities), family changes (marriage, re-marriage and divorce), and advice for loss of life situations. It is important for the Client to know that each individual has different situations or demands and not all of the above noted services will be provided to each Client. It is also important to know that no discretionary or non-discretionary trading authority is granted to Advisor through this arrangement. Other services may include, but are not limited to: Discover and help to prioritize client’s short- and long-term goals and aspirations. Plan for life transitions that a client is and may experience in the future. Gather and organize client’s data and documents. Analyze client’s financial condition, challenges and opportunities as they relate to the goals of the client. Develop an investment strategy that attempts to balance client’s goals and tolerance for volatility. Help client with the financial implications of life transitions. Provide written recommendations and alternatives to help client achieve stated goals. Help to implement financial decisions. Review and update financial plan regularly. Meet or discuss with clients to review goals and progress. Strategize/coordinate with other advisors (accountants, attorneys, insurance agents, etc.). Assets Under Management As of On December 31, 2022, we manage $156,303,758 in discretionary assets under management. Additionally, we do not manage any assets under a sponsored wrap-fee program.