Wingate Wealth Advisors, Inc. is an SEC registered investment adviser with its principal place of business located in Massachusetts. Wingate Wealth Advisors, Inc., formerly known as Wingate Financial Corporation, began conducting business in 1986. Wingate Wealth Advisors, Inc. provides investment management and financial planning services. Listed below are the firm's principal shareholders (i.e., those individuals and/or entities controlling 25% or more of this company). Jeffrey Hayden White, Corporate Officer Matthew A. Lasker, Corporate Officer Gary D. Pomerantz, Corporate Officer John Casimir Slupski, III, Corporate Officer We offer the following services to our clients: INVESTMENT MANAGEMENT AND SUPERVISORY SERVICES Wingate Wealth Advisors, Inc. provides continuous advice regarding the investment of client funds based on the individual needs of the client. During our data gathering process, we determine the client's investment goals and objectives, including time horizons, risk tolerance, and liquidity needs. We also review and discuss a client's prior investment experience, as well as family composition and background. We then prepare a personal Investment Policy Statement and create and manage a portfolio based on that Investment Policy Statement. Wingate Wealth Advisors, Inc. primarily manages client accounts on a discretionary basis, although we may accept non-discretionary accounts. Wingate Wealth Advisors, Inc. does not have the authority to withdraw funds from client accounts, except to pay investment management fees as authorized by the client. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Wingate Wealth Advisors, Inc. researches and selects third party money managers who are primarily accessed through no-load mutual funds. Our investment recommendations will generally include advice regarding the following securities: Mutual fund shares Exchange traded funds (ETF's) Corporate securities Municipal securities United States government securities Certificates of deposit Because some types of investments involve additional degrees of risk, they will only be implemented or recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. In addition to investing in mutual funds and ETF's, Wingate Wealth Advisors, Inc. may also place accounts with third party money managers, on a fully disclosed basis, either directly, or through a registered investment adviser consultant firm. We select third party money managers based on the client's individual needs as described in the client's Investment Policy Statement and subject to the third party money manager's minimum account size requirements. The fee for this service is as mutually agreed upon by the client, the third-party investment manager, and Wingate Wealth Advisors, Inc.. Amount of Managed Assets As of December 31, 2023, Wingate Wealth Advisors, Inc. had $1,213,959,144 assets under management, with $907,608,903 of clients' assets managed on a discretionary basis, and $306,350,241 of clients' assets on a non-discretionary basis. FINANCIAL

PLANNING SERVICES Wingate Wealth Advisors, Inc. also provides financial planning services. Financial planning typically includes a comprehensive evaluation of a client's current financial situation and helping establish the client's goals and objectives. During a comprehensive Financial Planning Review, we seek to identify and consider all of the factors that could impact the client's current and future financial situation. In general, the Financial Planning Review may address any or all of the following areas: PERSONAL: We review the client's family situation and discuss financial goals and objectives.
FINANCIAL STATEMENT: We prepare a personal balance sheet, listing the client's assets and liabilities.
CASH FLOW: We review the client's income and spending situation.
TAX PLANNING: We review the client's current and expected future tax situation with the objective of identifying opportunities for tax savings.
ESTATE & DISABILITY FUNDING: We review the client's cash needs in the event of disability or premature death.
INSURANCE: We review existing insurance policies for health, disability, life, long term care, and property and casualty coverages.
ESTATE PLANNING: We assist the client in reviewing their estate plan, including, as appropriate, revocable and irrevocable trusts, wills, estate tax planning, powers of attorney, asset protection planning, assisted living and nursing home care, Medicaid eligibility and elder law issues. RETIREMENT PLANNING: We prepare a long term financial analysis projecting future cash flows, asset values and withdrawal plans.
EDUCATION FUNDING: We assist the client in assessing and developing a strategy and investment plan to meet education costs.
INVESTMENTS: We evaluate investment portfolios and their appropriateness for meeting the client's goals and objectives.
We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, return objectives and attitudes towards risk. We carefully review documents supplied by the client, as well as questionnaires and other financial information forms we provide to the client. We will provide our financial planning recommendations to the client within six months of the agreement date, provided that all information needed has been promptly provided. The client will typically receive financial planning reports, schedules, and memoranda summarizing our recommendations. Should the client choose to implement our recommendations, it is the client's responsibility to work closely with his/her attorney, accountant, and insurance agent, as appropriate. We are prepared to assist in the implementation of our recommendations, but how this is carried out is entirely at the client's discretion. Financial planning services are provided as requested by the client. A comprehensive Financial Planning Review is recommended at the onset of the client engagement. The scope of engagement and the topics to be covered will be discussed and agreed upon with the client. The review may be comprehensive in nature, or focused on specific planning topics.