Clariti Wealth Advisors is a limited liability company formed in the state of Delaware. The firm became registered with the U.S. Securities and Exchange Commission in January 1983. Clariti Wealth Advisors is principally owned by Ravi Dattani. Mr. Dattani is also the firm’s Managing Member. Financial Planning and Investment Management The primary service offered by Clariti Wealth Advisors combines financial planning and investment management in a carefully integrated process. Financial planning includes: the setting of goals and objectives, a detailed assessment of a client’s current situation, the development of specific strategies designed to help a client achieve stated goals, and the communication of specific planning recommendations. Planning includes the review of the financial elements of a client’s life, including cash flow, debts, education expense funding, investments, insurance, income taxes, retirement, and estate planning. Investment management is tailored to support specific financial planning objectives. It includes the establishment of an appropriate investment objectives, and the design, implementation, and monitoring of the investment portfolio. The service is designed to help clients achieve goals and objectives, taking into consideration their values and stage of life. The term Financial Plan Management encompasses the integrated services of financial planning and investment management. Clients receive annual tax planning reviews with specific recommendations. Periodic reviews of net worth statements, existing debt, education expense funding, insurance coverage, retirement feasibility, and estate planning are also performed. Clariti Wealth Advisors also helps individual trustees, often surviving spouses or adult children, with their responsibility in making periodic trust distributions. Hourly Consultations A consultation can be recommended to a prospective client with resources or needs that are a better match for hourly assistance than the more comprehensive financial planning services. Investment Advisory Services to Qualified Plans, Trusts & Non-Profit Organizations Investment advisory services are available to the trustees of certain trusts, qualified retirement plans, and to directors of non-profit organizations. Terms and fees are disclosed in the Service Agreement. Important Disclosures Limitations of Financial Planning and Non-Investment Consulting/Implementation Services As indicated above, to the extent requested by a client, Clariti Wealth Advisors provides financial planning and related consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. Clariti Wealth Advisors does not serve as an attorney and no portion of its services should be construed as legal services. Accordingly, Clariti Wealth Advisors does not prepare estate planning documents. To the extent requested by a client, Clariti Wealth Advisors may recommend the services of other professionals for certain non-investment implementation purpose (i.e., attorneys, accountants, insurance agents, etc.). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Clariti Wealth Advisors and/or its representatives. If the client engages any recommended unaffiliated professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, etc.), and not Clariti Wealth Advisors, shall be responsible for the quality and competency of the services provided. Retirement Rollovers-Potential for Conflict of Interest A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Clariti Wealth Advisors recommends that a client roll over their retirement plan assets into an account to be managed by Clariti Wealth Advisors, such a recommendation could create a conflict of interest only if Clariti Wealth Advisors will earn new (or increase its current) compensation as a result of the rollover. If Clariti Wealth Advisors provides a recommendation as to whether a client should engage in a rollover or not, Clariti Wealth Advisors is acting as a fiduciary 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. No client is under any obligation to roll over retirement plan assets to an account managed by Clariti Wealth Advisors, whether it is from an employer’s plan or an existing IRA. Use of Exchange Traded Funds Most exchange traded funds are available directly to the public. Therefore, a prospective client can obtain many of the funds that may be utilized by Clariti Wealth Advisors independent of engaging Clariti Wealth Advisors as an investment advisor. However, if a prospective client determines to do so, he/she will not receive Clariti Wealth Advisors’ initial and ongoing investment advisory services. In addition to Clariti Wealth Advisors’ investment advisory fee described below, and transaction and/or custodial fees discussed below, clients will also incur, relative to all exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). Interval Funds Where appropriate, Clariti Wealth Advisors may utilize interval funds (and other types of securities that could pose additional risks, including lack of liquidity and restrictions on withdrawals). An interval fund is a non-traditional type of closed-end mutual fund that periodically offers to buy back a percentage of outstanding shares from shareholders. Investments in an interval fund involve additional risk, including lack of liquidity and restrictions on withdrawals. During any time periods outside of the specified repurchase offer window(s), investors will be unable to sell their shares of the interval fund. There is no assurance that an investor will be able to tender shares when or in the amount desired. There can also be situations where an interval fund has a limited amount of capacity to repurchase shares and may not be able to fulfill all purchase orders. In addition, the eventual sale price for the interval fund could be less than the interval fund value on the date that the sale was requested. While an internal fund periodically offers to repurchase a portion of its securities, there is no guarantee that investors may sell their shares at any given time or in the desired amount. As interval funds can expose investors to liquidity risk, investors should consider interval fund shares to be an illiquid investment. Typically, the interval funds are not listed on any securities exchange and are not publicly traded. Therefore, there is no secondary market for the fund’s shares. Because these types of investments involve certain additional risk, these funds will only be utilized when consistent with a client’s investment objectives, individual situation, suitability, tolerance for risk and liquidity needs. Investment should be avoided where an investor has a short-term investing horizon and/or cannot bear the loss of some, or all, of the investment. There can be no assurance that an interval fund investment will prove profitable or successful. In light of these enhanced risks, a client may direct Clariti Wealth Advisors, in writing, not to purchase interval funds for the client’s account. Unaffiliated Private Investment Funds Clariti Wealth Advisors may recommend that certain qualified clients consider an investment in unaffiliated private investment funds. Clariti Wealth Advisors’ role relative to the private investment funds shall be limited to its initial and ongoing due diligence and investment monitoring services. Clariti Wealth Advisors’ clients are under absolutely no obligation to consider or make an investment in a private investment fund(s). Private investment funds generally involve various risk factors, including, but not limited to, potential for complete loss of principal, liquidity constraints and lack of transparency, a complete discussion of which is set forth in each fund’s offering documents, which will be provided to each client for review and consideration. Unlike liquid investments that a client may own, private investment funds do not provide daily liquidity or pricing. Each prospective client investor will be required to complete a Subscription Agreement, pursuant to which the client shall establish that he/she is qualified for investment in the fund and acknowledges and accepts the various risk factors that are associated with such an investment. If Clariti Wealth Advisors bills an investment advisory fee based upon the value of private investment funds or otherwise references private investment funds owned by the client on any supplemental account reports prepared by Clariti Wealth Advisors, the value for all private investment funds owned by the client will reflect the most recent valuation provided by the fund sponsor, or, in the absence of a valuation, Clariti shall use the amount of the client’s investment as the value of the position(s). The current value of any private investment fund could be significantly more or less than the original purchase price or the price reflected in any supplemental account report. Portfolio Activity Clariti Wealth Advisors has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, Clariti Wealth Advisors will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, fund manager tenure, style drift, account additions/withdrawals,

and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when Clariti Wealth Advisors determines that changes to a client’s portfolio are neither necessary nor prudent. Of course, as indicated below, there can be no assurance that investment decisions made by Clariti Wealth Advisors will be profitable or equal any specific performance level(s). ByAllAccounts Clariti Wealth Advisors, in conjunction with the services provided by ByAllAccounts, Inc., may also provide periodic comprehensive reporting services which can incorporate all of the client’s investment assets, including those investment assets that are not part of the assets managed by Clariti Wealth Advisors (the “Excluded Assets”). The client and/or their other advisors that maintain trading authority, and not Clariti Wealth Advisors, shall be exclusively responsible for the investment performance of the Excluded Assets. Unless otherwise specifically agreed to, in writing, Clariti Wealth Advisors’ service relative to the Excluded Assets is limited to reporting only. Rather, the client and/or the client’s designated other investment professional(s) maintain supervision, monitoring and trading authority for the Excluded Assets. If Clariti Wealth Advisors were asked to make a recommendation as to any Excluded Assets, the client is under absolutely no obligation to accept the recommendation, and Clariti Wealth Advisors shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. In the event the client desires that Clariti Wealth Advisors provide investment management services for the Excluded Assets, the client may engage Clariti Wealth Advisors to do so pursuant to the terms and conditions of the Investment Advisory Agreement between Clariti Wealth Advisors and the client. Cash Positions Cash and cash equivalents are recognized as a major asset class. Their defensive nature can lessen the impact of volatility on a portfolio and offer liquidity to meet client cash flow needs. Clariti Wealth Advisors continues to treat cash as an asset class. As such, unless determined to the contrary by Clariti Wealth Advisors, all cash positions (money markets, etc.) shall continue to be included as part of assets under management for purposes of calculating Clariti Wealth Advisors’ advisory fee. At any specific point in time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), Clariti Wealth Advisors may maintain or increase cash positions for defensive purposes. In addition, while assets are maintained in cash, such amounts could miss market advances. Depending upon current yields, at any point in time, Clariti Wealth Advisors’ advisory fee could exceed the interest paid by the client’s money market fund. Cash Sweep Accounts Certain account custodians can require that cash proceeds from account transactions or new deposits, be swept to and/or initially maintained in a specific custodian designated sweep account. The yield on the sweep account will generally be lower than those available for other money market accounts. When this occurs, to help mitigate the corresponding yield dispersion Clariti Wealth Advisors shall (usually within 30 days thereafter) generally (with exceptions) purchase a higher yielding money market fund (or other type security) available on the custodian’s platform, unless Clariti Wealth Advisors reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to the amount of dispersion between the sweep account and a money market fund, the size of the cash balance, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. The above does not apply to the cash component maintained within a Clariti Wealth Advisors actively managed investment strategy (the cash balances for which shall generally remain in the custodian designated cash sweep account), an indication from the client of a need for access to such cash, assets allocated to an unaffiliated investment manager and cash balances maintained for fee billing purposes. The client shall remain exclusively responsible for yield dispersion/cash balance decisions and corresponding transactions for cash balances maintained in any Clariti Wealth Advisors unmanaged accounts. Socially Responsible Investing Limitations Socially Responsible Investing involves the incorporation of Environmental, Social and Governance (“ESG”) considerations into the investment due diligence process. ESG investing incorporates a set of criteria/factors used in evaluating potential investments: Environmental (i.e., considers how a company safeguards the environment); Social (i.e., the manner in which a company manages relationships with its employees, customers, and the communities in which it operates); and Governance (i.e., company management considerations). The number of companies that meet an acceptable ESG mandate can be limited when compared to those that do not and could underperform broad market indices. Investors must accept these limitations, including potential for underperformance. Correspondingly, the number of ESG mutual funds and exchange-traded funds are limited when compared to those that do not maintain such a mandate. As with any type of investment (including any investment and/or investment strategies recommended and/or undertaken by Clariti Wealth Advisors), there can be no assurance that investment in ESG securities or funds will be profitable or prove successful. Clariti Wealth Advisors does not maintain or advocate an ESG investment strategy but will seek to employ ESG if directed by a client to do so. If implemented, Clariti Wealth Advisors shall rely upon the assessments undertaken by the unaffiliated mutual fund, exchange traded fund or separate account portfolio manager to determine that the fund’s or portfolio’s underlying company securities meet a socially responsible mandate. Digital Assets Digital assets include “Cryptocurrencies” (a digital representation of a store of value, i.e., Bitcoin), “Utility Tokens” (coins/tokens that give the holder rights or access to goods, licenses or services), “Security Tokens” (tokens/coins that are securities for purposes of federal securities laws). Digital assets are not backed by any government, are not legal tender and operate without central authority or banks. Because digital assets are currently considered to be speculative investments, Clariti Wealth Advisors does not recommend or advocate the purchase of, or investment in, digital assets. Clariti Wealth Advisors will not exercise discretionary authority to purchase a digital assets for client accounts. Rather, a client must expressly authorize the purchase of the digital assets. For clients who want exposure to digital assets, Clariti Wealth Advisors will advise the client to consider a potential investment in corresponding exchange traded securities or private funds that provide digital assets exposure. Clients who authorize the purchase of a cryptocurrency investment must be prepared for the potential for liquidity constraints, extreme price volatility and complete loss of principal. Client Obligations In performing its services, Clariti Wealth Advisors shall not be required to verify any information received from the client or from the client’s other professionals, and is expressly authorized to rely thereon. Moreover, each client is advised that it remains their responsibility to promptly notify Clariti Wealth Advisors if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Clariti Wealth Advisors’ previous recommendations and/or services. Cybersecurity Risk The information technology systems and networks that Clariti Wealth Advisors and its third-party service providers use to provide services to Clariti Wealth Advisors’ clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Clariti Wealth Advisors’ operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Clariti Wealth Advisors are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although Clariti Wealth Advisors has established procedures to reduce the risk of cybersecurity incidents, there is no guarantee that these efforts will always be successful, especially considering that Clariti Wealth Advisors does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Disclosure Statement A copy of Clariti Wealth Advisors’ written Brochure as set forth on Part 2 of Form ADV and its Client Relationship Summary set forth in its Form CRS shall be provided to each client prior to, or contemporaneously with, the execution of an advisory agreement. Assets Managed Clariti Wealth Advisors managed $565,760,922 of financial assets on behalf of its clients as of December 31, 2023. Assets managed on a discretionary basis, as of December 31, 2023, were $451,174,843. Assets managed on a non-discretionary basis, as of December 31, 2023, were $114,586,079. Please note that all assets managed by Clariti Wealth Advisors on a discretionary basis are managed in accordance with agreed-upon guidelines found in the client’s investment objectives letter.