A. Firm Information Equilibrium Wealth LLC (“Equilibrium Wealth” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor was organized as a limited liability company (“LLC”) under the laws of the State of Delaware in December 2020 and became a registered investment advisor in January 2021. Equilibrium Wealth is owned and operated by David Rabinowitz, CFP® (Chief Executive Officer and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Equilibrium Wealth. B. Advisory Services Offered Equilibrium Wealth offers investment advisory services to individuals, high net worth individuals, trusts, estates, and small businesses (each referred to as a “Client” and collectively, “Clients”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Equilibrium Wealth's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services Equilibrium Wealth provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. Equilibrium Wealth works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to develop a portfolio strategy. Equilibrium Wealth will then construct an investment portfolio, consisting of diversified mutual funds, exchange-traded funds (“ETFs”), individual stocks, individual bonds, options, alternative investments, and/or other types of investments, as appropriate, to achieve the Client’s investment goals. The Advisor may retain certain legacy investments of a Client based on portfolio fit and/or tax considerations. Equilibrium Wealth’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Equilibrium Wealth will construct, implement and monitor each Client’s portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Equilibrium Wealth evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Equilibrium Wealth may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Equilibrium Wealth may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. Equilibrium Wealth may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Capital Integration Systems LLC and iCapital Network, Inc. Clients may also request that we consider certain investments offered on the Capital Integration Systems LLC (“CAIS”) and iCapital Network, Inc. (“iCapital”) Alternative Investments Portals as potential investments for their Account. Please see Item 8 below for more information about CAIS and iCapital, and risks associated with alternative investments. Page 5 Pontera As part of our overall portfolio management services, we provide asset allocation review, rebalancing and management services for accounts that are not held in custody of the qualified custodian(s) recommended by our firm. These services are provided through an account aggregation service called Pontera. The service primarily applies to ERISA and non-ERISA plan assets such as 401(k)s and 403(b)s, and other assets that must be held in custody of the plan custodian(s). We regularly review the available investment options in these accounts, monitor them, and periodically rebalance and implement our strategies using different tools as necessary. If you elect to allow us to manage your assets through Pontera, you will be notified via email when we place trades through Pontera. At no time will Equilibrium Wealth accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be held solely on the name of the Client and managed within the designated account[s] at the Custodian, pursuant to the terms of the Client’s advisory agreement. Please see Item 12 – Brokerage Practices. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is 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. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g., commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction.

No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Participant Account Management- As part of the Advisor’s Investment Management Services, when appropriate, the Advisor will use a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows the Advisor to avoid being considered to have custody of Client funds since the Advisor does not have direct access to Client log-in credentials to affect trades. The Advisor is not affiliated with the platform in any way and do not receive compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, the Advisor will review the current account allocations. When deemed necessary, the Advisor will rebalance the account considering client investment goals and risk tolerance, and changes in allocations will take into account current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. Use of unaffiliated third-party investment advisors – Equilibrium Wealth may recommend that Clients utilize one or more unaffiliated investment advisors or investment platforms managed by an unaffiliated investment advisor (collectively “Third Party Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In such instances, the Client is required to authorize and enter into an investment management agreement with a Third-Party Manager that defines the scope and terms in which the Independent Manager will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Third-Party Manager to ensure the strategy remains aligned with Client’s investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship with the Third-Party Manager. The Client, prior to engaging a Third-Party Manager, will be provided with the Third-Party Manager's Form ADV Part 2A - Disclosure Brochure Financial Planning Services Equilibrium Wealth will typically provide a variety of financial planning and consulting services to Clients. Services may be provided as part of an overall wealth management engagement or billed separately. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial Page 6 planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Equilibrium Wealth may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. The Advisor will not accept compensation for such referrals. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the amount of assets managed by the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. C. Client Account Management Prior to engaging Equilibrium Wealth to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy – Equilibrium Wealth, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives.
• Asset Allocation – Equilibrium Wealth will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client.
• Portfolio Construction – Equilibrium Wealth will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – Equilibrium Wealth will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Equilibrium Wealth does not manage or place Client assets into a wrap fee program. E. Assets Under Management As of December 31, 2023, Equilibrium Wealth manages $87,940,580 in Client assets, all of which are managed on a discretionary basis. Clients may request more current information at any time by contacting the Advisor.