A. Description of the Advisory Firm Crown Wealth Group LLC (hereinafter “CWG”) is a Limited Liability Company organized in the State of North Carolina. The firm was formed in April 2018 and has been approved as an independent Registered Investment Advisory firm since January 2019. The principal owners are Nicholas Kolbenschlag, Tyler Kolbenschlag and Steven Lindgren. B. Types of Advisory Services Portfolio Management Services CWG offers discretionary and non- discretionary ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. CWG creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client's specific situation. Portfolio management services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring CWG evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. CWG seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of CWG’s economic, investment or other financial interests. To meet its fiduciary obligations, CWG attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, CWG’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is CWG’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. Selection of Other Advisers CWG may direct clients to third-party investment advisers. Before selecting other advisers for clients, CWG will verify that all recommended advisers are properly licensed, notice filed, or exempt in the states where CWG is recommending the adviser to clients. On-going Financial Planning/ Personal CFO (“Chief Financial Officer”) Services CWG provides On-going Financial Planning/ Personal CFO Services to clients. The Financial Planning/ Personal CFO Services will include creating a financial plan and the on-going monitoring of the plan progress along with factors described below. These services may include but are not limited to: Goals-Based Planning & Investing We believe that each of your goals should be approached independently when it comes to building an investment plan and allocating resources to that plan. As we continue to grow your wealth, we will benchmark the performance of each pool of dollars against the actual goal. This allows us to demonstrate to you how the growth is having a material impact on your life plan. Our Investment Committee has the experience needed to navigate all markets and ensure your portfolio goals are met. Generational Wealth Planning As your family and wealth grow, it’s important that everyone be on the same page with how that wealth will transition over time, both during your lifetime and after you have passed. We have set up family advisory boards to educate the next generation and to get the entire family involved in the decision-making process. We work with you to set your family's Mission Statement and the "why" of your wealth. Having a clear strategy for the family's wealth and a platform for communicating regularly can set up success for many generations to come. Real Estate An area of advice that is typically siloed outside of the wealth management industry is the management of real estate assets within an overall portfolio. With real estate playing an integral part of most family wealth pictures, Tyler Kolbenschlag, through his affiliation with Berkshire Hathaway HomeServices Carolinas Realty, is able to represent our clients in the acquisition and sale of their primary homes, vacation properties, and investment holdings. Lifestyle Services There are many transactions in life that require careful planning and detailed follow through to ensure you are making the right decision and that all the important pieces come together. We quarterback the process from start to finish for major purchases like boats, cars, homes, and life's other fun toys. Other concierge services include travel planning, club memberships, and entertainment experiences, just to name a few. Wealth Transfer Unfortunately, life can be unpredictable and we want to always be prepared for any situation that may arise. Our team of advisors will build and implement a wealth transfer strategy that ensures what you’ve built moves smoothly to the next generation or generations. We do this in the most tax efficient way possible to ensure you’re making the greatest impact. This includes properly written Wills, Trusts, and Powers of Attorney, followed by ensuring your account beneficiaries match those decisions. For business owners, this can include long-term succession planning often accompanied by Buy/Sell Agreements, at times, funded by Key-Man life insurance. Organize & Simply Your Financial Life Utilizing our industry leading technology, we are able to aggregate all of your assets, liabilities, income, and expenses in one place, in real time. We then organize and keep up- to-date your most important documents in your digital vault so you never have to search for that crucial piece of paper again. Executive Compensation Planning Stock option and equity award plans offer a tremendous opportunity to create additional wealth that, if properly utilized, can speed you to your life/wealth goals. Our team first educates you on your plan specifics, then builds an on-going strategy to ensure you're maximizing the benefit you receive, all while being cautious of the potential tax consequences. We proactively reach out to you when a vesting occurs providing details, recommendations, and an execution plan. Business Strategy/Mergers and Acquisitions A key strength of our team is bringing together your business and personal life into one congruent picture. We understand that owning and running a business may be your key wealth creation strategy, like it is ours, and our team can

help you take full advantage of the opportunity that it presents. We can help you take your business full cycle, from start-up to exit, all while incorporating it into your family’s life plan. When ready to make your exit or transition, we ensure our clients recognize the full value of their business while implementing a proper tax strategy to keep more of what you make. Our team has run point on a growing number of business acquisitions to include coordinating contract negotiation, legal, tax, lending, accounting, and operational transition. Cash Flow Analysis Utilizing that same technology, we are able to identify where your dollars are being utilized and determine the most effective way to prioritize spending vs. saving. Through our systematized review process, we will collaboratively create the discipline needed to achieve your most important life goals. Tax Planning It’s not about what you make, it’s about what you keep. Our team works with your CPA, or ours, to build a plan before the year starts to ensure we are executing for 365 days every year, minimizing your taxes to the largest degree possible. There are many advanced strategies that can be implemented to lower your tax bill and put more dollars in your pocket and/or into your investments. Risk Management Growing your wealth is a priority, but protecting and preserving that wealth is equally as important. Our team will analyze multiple areas of risk to ensure you have the proper coverage and/or asset protection structures in place. This includes advice on life, disability, health, personal lines and various specialty insurance policies, as well as asset protection strategies through property entity structuring. Strategic Giving Strategies Most families don't have a dedicated strategy for making charitable contributions, and simply donate cash when asked or are feeling compelled to help. By creating a strategic gifting strategy, the impact of your dollars can be compounded greatly. While cash is a good option, donating highly appreciated, non-cash assets like stock or private business interests can save you even more on taxes, and provide additional dollars for you to save, invest, or donate. Our team can show you how to properly utilize a Donor Advised Fund, set up an Employee Assistance or Scholarship Program, and even donate a portion of your business before you exit, which in return creates massive tax savings and significant giving impact Financial Planning Financial plans and financial planning may include, but are not limited to: cash flow planning, tax planning, debt/ credit planning, retirement planning, college planning, investment planning; insurance planning; and estate planning. As part of the financial planning process, CWG will have a discovery call with client which generally can range from 60 to 120 minutes. The client then provides CWG with their documentation and the assessment build generally takes CWG’s team 2 to 3 weeks. The assessment delivery generally takes 120 to 180 minutes to complete. CWG meets clients every 3 to 6 months to provide a comprehensive review of the actions completed, the actions that remain outstanding and to check back in on the client’s major goals as a part of regularly updating the plan. For financial planning clients that choose not to execute the recommendations with CWG, clients can request a financial plan update. A new fee will be charged to the client for an updated plan. The cost of the updated plan is the same as a new financial plan. Services Limited to Specific Types of Investments CWG generally limits its investment advice to ETFs, mutual funds, individual equities, fixed income securities, options trading, alternative investments and insurance products including annuities, although CWG primarily recommends low cost, fully diversified ETF and mutual fund portfolios. CWG may use other securities as well to help diversify a portfolio when applicable. Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. C. Client Tailored Services and Client Imposed Restrictions CWG will tailor a program for each individual client. This will include a discovery session to get to know the client’s specific needs and requirements as well as a plan that will be executed by CWG on behalf of the client. CWG’s investment philosophy is built around goals-based investing. Each client goal is separately analyzed to determine the funding need, return need, appropriate risk level and investment time horizon. The asset allocation is determined by these factors. The portfolio holdings are then customized in this framework. CWG may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. 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 CWG from properly servicing the client account, or if the restrictions would require CWG to deviate from its standard suite of services, CWG reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. CWG does not participate in wrap fee programs. E. Assets Under Management CWG has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $257,221,862 $0.00 December 2023