Advisory Firm Description Investor’s Advantage, L.L.C. (“IA”, “Investor’s Advantage” or the “Firm”) is a “fee-only” investment adviser and is owned by Fadi Boury and Hani Boury. Fadi Boury has been a fee only adviser for over 30 years. Types of Advisory Services Investment Management Services Investor's Advantage provides investment management services on a discretionary basis. Such services are provided within guidelines formulated with each client, based upon defined investment objectives. Stewardship, not salesmanship, is the foundation of our relationship with our clients. From our beginnings, we embraced the fiduciary rule and standards. The firm is not paid any commissions. During initial conferences with prospective clients, investment objectives are identified, and the firm's advisory fee structure is discussed. If clients elect to retain Investor’s Advantage as a portfolio manager, clients are asked to execute an advisory contract and are provided a copy of this brochure and the applicable Part 2B supplements. The client designates a broker/custodian which will execute transactions to be effected on their behalf by Investor's Advantage. Investor's Advantage manages clients' accounts on an individual basis. Investor's Advantage normally exercises investment discretion for each account, and so individual portfolios within the same objective will, at any given time differ as to funds, industries and cash levels. Further restrictions and guidelines imposed by clients affect the composition and performance of portfolios. For these reasons, performance of portfolios will differ within the same investment objective. The Firm has access to institutional quality funds which may not be available to the retail investor except when purchased through the advisor. The above gives us the impetus to the use of lower-cost, broadly diversified, market-cap weighted index funds in our equity selections. We do not receive compensation from mutual funds, custodians, trustees or brokerage firms. Investor’s Advantage is strictly a fee-only registered

investment advisory firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. No commissions in any form are accepted. In addition, no finder’s fees are accepted. The firm's single source of revenue is a fixed fee against the value of our client’s portfolio. The firm focuses on advice and active management in the selection, asset allocation and rebalancing of low cost exchange traded and actively managed bond funds. Active management is focused on our fixed income selections where we believe the most value is generated on behalf of our clients. This is because features of the bond markets tend to favor active fixed income managers. * Please note that pursuant to the investment advisory agreement you are obligated to notify us promptly when your financial situation, goals, objectives, or needs change. * You will be responsible for all tax consequences resulting from the sale of any security, rebalancing or reallocation of the account. You are responsible for any taxable events in these instances. We are not tax professionals and do not give tax advice. However, we will work with your tax professionals to assist you with tax planning. You will be notified of any purchases or sales through trade confirmations and statements that are provided by the custodian. These statements list the total value of the account, itemize all transaction activity, and list the types, amounts, and total value of securities held. You will at all times maintain full and complete ownership rights to all assets held in your account, including the right to withdraw securities or cash, proxy voting and receiving transaction confirmations. Tailored Advisory Services Clients may instruct Investor’s Advantage not to purchase or sell certain investments on their behalf or to limit such trades to specified amounts. Client Assets Under Management As of December 31, 2022, we had a total of $ 102,973,614 in discretionary assets under management and $ 1,573,564 in non-discretionary assets under management.