We provide services to individuals and high-net-worth individuals concerning mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation- linked bonds, non-U.S. securities, and private placements. As a registered investment adviser, we are held to the highest standard of client care – a fiduciary standard. As a fiduciary, we always put our client’s interests first and must fully disclose any potential conflict of interest. We do not hold customer funds or securities. A. Description of the Advisory Firm Atlantic Family Wealth, LLC (hereinafter “AFW”) is a Limited Liability Company organized in the State of Florida. The firm was formed in May 2014, and the principal owner is Raul Isern. B. Types of Advisory Services Portfolio Management Services AFW offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. AFW evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. AFW will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. As such, AFW will determine an appropriate investment strategy, construct, implement, monitor, and manage on an ongoing basis, a portfolio of investments to be held within the Client’s account by a qualified custodian. AFW seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of AFW’s economic, investment, or other financial interests. To meet its fiduciary obligations, AFW attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, AFW’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 AFW’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent, including initial public offerings ("IPOs") and other investment opportunities that might have a limited supply, among its clients on a fair and equitable basis over time. Depending on the Client’s investment needs, AFW may engage certain third-party money managers and/or sub-advisors (collectively, “Independent Managers”) to manage all or a portion of the assets contained in the Client account to obtain exposure to certain asset classes, investment styles/models, or strategies. When this occurs, all or a portion of assets contained in the Client account shall be allocated to and directly managed by the selected Independent Manager(s) who shall be responsible for (i) implementing the investment strategy or strategies selected by AFW for the account; (ii) conducting all related investment research; and (iii) implementing all trading decisions with respect to the allocated assets on a discretionary basis. AFW will act as a co-advisor with respect to the allocated assets, monitoring the Independent Manager’s activities to ensure the Independent Manager’s adherence to the investment strategy or model chosen by AFW and that the Independent Manager’s performance, portfolio strategies, and management remain aligned with Client’s financial profile, needs, and limitations. AFW will also act as the Client’s primary point of contact regarding questions or concerns with respect to the Independent Manager’s performance and management of the allocated assets. AFW shall monitor the performance of the Client account (including any portion allocated to Independent Managers) on an ongoing basis and implement changes within the Client’s portfolio as needed or appropriate, in consideration of current economic conditions, AFW’s market opinions and assumptions, and the Client’s individual financial circumstances and goals. In limited circumstances and in our sole discretion, we also offer non-discretionary portfolio management services. If you enter into a non-discretionary arrangement with our firm, we must obtain your approval prior to executing any transactions on behalf of your account. You have an unrestricted right to decline to implement any advice provided by our firm on a non-discretionary basis. LPL Sponsored programs are available on a discretionary basis only. LPL Financial Sponsored Advisory Programs AFW may provide advisory services through certain programs sponsored by LPL Financial LLC (LPL), a registered investment advisor and broker-dealer. For more information regarding the LPL programs, including more information on the advisory services and fees that apply, the types of investments available in the programs, and the potential conflicts of interest presented by the programs please see the program account packet (which includes the account agreement and LPL Form ADV program brochure) and the Form ADV, Part 2A of LPL or the applicable program. Manager Access Select Program Manager Access Select offers clients the ability to participate in the Separately Managed Account Platform (the “SMA Platform”) or the Model Portfolio Platform (the “MP Platform”). In the SMA Platform, AFW will assist

the client in identifying a third-party portfolio manager (SMA Portfolio Manager) from a list of SMA Portfolio Managers made available by LPL, and the SMA Portfolio Manager manages the client’s assets on a discretionary basis. AFW will provide initial and ongoing assistance regarding the SMA Portfolio Manager selection process. In the MP Platform, clients authorize LPL to direct the investment and reinvestment of the assets in their accounts, in accordance with the selected model portfolio provided by LPL’s Research Department or a third-party investment advisor. A minimum account value of $50,000 is required for Manager Access Select, however, in certain instances, the minimum account size may be lower or higher. Ad-Hoc Financial Consulting; Advice Regarding Held-Away Assets AFW will be reasonably available to provide ad-hoc financial consulting advice regarding common financial questions, topics, and concerns (e.g., questions concerning retirement planning, education planning, insurance coverage, and similar topics) as may be raised by the Client from time to time. Where requested, such advice may include recommendations for the allocation and investment of assets held outside of the account directly managed by AFW (“Held-Away Accounts”). Client understands that AFW’s ad-hoc financial consulting advice is entirely non-discretionary in nature and that Client will make all final investment decisions and be responsible for the implementation and monitoring of all investments contained in Held-Away Accounts. Client further understands that AFW’s recommendations with respect to certain Held-Away Accounts (e.g., employer sponsored retirement accounts) will be limited to recommending an appropriate allocation of Client’s holdings among the various investment options made available by the sponsor, issuer, or custodian of such accounts. AFW reserves the right to charge additional fees for this portion of its services for particularly complex or time or resource intensive financial consulting requests. Any additional fees to be charged in connection with the same shall be agreed upon in writing with the Client prior to AFW’s rendering of any such additional services. IRA Rollover Considerations As a normal extension of financial advice, we provide education or recommendations related to the rollover of an employer-sponsored retirement plan. A plan participant leaving employment has several options. Each choice offers advantages and disadvantages, depending on desired investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and the investor's unique financial needs and retirement plans. The complexity of these choices may lead an investor to seek assistance from us. An associated person of AFW who recommends an investor roll over plan assets into an Individual Retirement Account (“IRA”) may earn an asset-based fee as a result, but no compensation if assets are retained in the plan. Thus, we have an economic incentive to encourage an investor to roll plan assets into an IRA. In most cases, fees and expenses will increase for the investor as a result because the above- described fees will apply to assets rolled over to an IRA and outlined ongoing services will be extended to these assets. We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also 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. We have to act in your best interests and not put our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests. AFW generally provides investment advice on mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation-linked bonds, non-U.S. securities, and private placements. AFW may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions AFW offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client’s goals, risk tolerance, and investment objectives which together outline each client’s current situation (income, tax levels, and investment experience). 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 AFW from properly servicing the client account, or if the restrictions would require AFW to deviate from its standard suite of services, AFW 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, fund expenses, and other administrative fees. AFW does not manage, sponsor, or participate in any wrap fee programs. E. Assets Under Management AFW has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $ 184,005,213 $ 5,760,892 12/31/2023