We are dedicated to providing individuals and other types of clients with a wide array of comprehensive financial planning, wealth management and investment advisory services. Our firm is a corporation formed in the State of Minnesota has been in business as an investment adviser offering such services since 2003 (its predecessor, Retirement Solutions, since 1990) and is owned by Jonathan T. Guyton (49.9%) and Andrea N. Eaton (50.1%). The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, it is our duty to always act in each client’s best interest. This is accomplished in part by knowing our client. Our firm has established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals while remaining sensitive to their risk tolerances and time horizons. Working with clients to understand their investment objectives while educating them about our process facilitates the kind of working relationship we value. Types of Advisory Services Offered One-Time Comprehensive Financial Planning and Consulting: We begin with a conversation about your financial values and money history before proceeding to understand your specific financial and/or life goals. We then conduct a thorough fact-finding of your situation at a second meeting. Based on what we learn from you, we provide a written analysis and recommendations of planning strategies, techniques, and detailed actions that can enhance your ability to achieve financial and life goals. Our recommendations may address – but are not limited to – cash flow planning, liability management, retirement distribution planning and income generation, investment allocation, portfolio design, analysis of current holdings, education planning, income tax planning and management, stock option exercise, estate planning, charitable giving, family wealth transfer, protection planning and special needs funding. We base our recommendations on the facts and representations that you make to us. These financial planning and consulting services are typically completed within six (6) months of your signing an Agreement with us, assuming you provide requested information in a timely manner. Implementation of our recommendations is at your sole discretion. In our recommendations, we may refer you to an accountant, attorney or other specialist as necessary for non-advisory related services we believe are appropriate. We consider that these Services to have been provided in full by the thirtieth (30th) day following the meeting at which we present our written recommendations to you. Comprehensive Financial Planning, Advice and Investment Management: These ongoing advisory services are designed to help you achieve your financial goals in a manner consistent with your values and priorities. We are often engaged to provide these services to clients who are more than five years from their retirement. They include:  Semi-annual or annual meetings to review your goals, priorities, changes in your situation, general economic conditions and outlook, progress toward your goals, cash flow, employment compensation and benefits, liabilities, asset protection and insurances, education planning, income tax planning, investment allocation and portfolio performance, retirement income planning, planning around concentrated stock positions, stock option strategy, employer retirement plans, and estate or charitable giving plans and other matters ADV Part 2A – Firm Brochure Page 5 Cornerstone Wealth Advisors, Inc. that may affect your financial well-being or ability to achieve your financial goals.  Additional meetings as needed for conversations regarding any of the matters mentioned above  Creation and maintenance of an Investment Policy Statement that establishes your investment objectives, risk tolerance, appropriate asset classes as well as any restrictions you wish to place on the management of your portfolio, including whether we will have discretion within the parameters of your Investment Policy.  Analysis to determine the appropriate allocation of assets between various asset classes.  Analysis, selection and purchase of investment securities to implement your Investment Policy. In doing this, we may propose an investment portfolio, consisting of exchange traded funds, mutual funds, individual stocks or bonds, or other securities. Upon your agreement to the proposed Investment Policy, we work with you to establish

or transfer investment accounts so that we can manage your portfolio accordingly.  Regular and ongoing monitoring of your portfolio, asset allocation and security selection. Once these accounts are established under our management, we review them on a regular basis and at least quarterly. In accordance with your Investment Policy, we will periodically rebalance your portfolio and/or recommend changes to your Investment Policy based on any changes to your situation. Should you experience any significant changes to your financial or personal circumstances between regular review meetings, we will need you to notify us so that we can consider such information in managing your investment portfolio.  Quarterly reports detailing your portfolio’s holdings, asset allocation, performance and our outlook for the economy and financial markets.  Creation and maintenance of a Withdrawal Policy Statement at the time you require regular distributions from your portfolio that establishes your income requirements and specifies their sources, adjustments for inflation and trigger points for modifications when necessary to maintain your income’s sustainability. Comprehensive Retirement Planning, Advice and Investment Management: These ongoing advisory services are designed to help you achieve your retirement financial goals in a manner consistent with your values and priorities. We are often engaged to provide these services to clients who are less than five years from the start of their retirement. They include:  Semi-annual meetings to review your financial goals; life goals; personal and/or family priorities; changes in your situation; general economic conditions and outlook; progress toward your goals; cash flow; employment compensation and benefits; liabilities; asset protection and insurances; investment portfolio allocation and holdings; retirement income distribution strategies, management and monitoring; planning around concentrated stock positions; employer retirement plans; income tax situation or charitable giving plans ADV Part 2A – Firm Brochure Page 6 Cornerstone Wealth Advisors, Inc.  Time at these semi-annual meetings, as needed, for conversations about other money-related matters that affect your overall financial goals and well-being  Additional meetings, as needed, for conversations about other matters that arise relating to your well-being, whether financial or otherwise  Creation and maintenance of a Withdrawal Policy that establishes your portfolio income requirements and specifies their sources, adjustments for inflation and trigger points for modifications, when necessary, to maintain your income’s sustainability  Creation and maintenance of an Investment Policy that establishes your investment objectives, risk tolerance, appropriate asset classes as well as any restrictions you wish to place on the management of your portfolio  Analysis to determine the appropriate allocation of assets between various asset classes  Analysis, selection and purchase of investment securities to fund your Investment Policy  Ongoing trading implementation to provide your chosen portfolio income  Regular and ongoing monitoring of your portfolio, asset allocation and security selection  Quarterly reports detailing your portfolio’s holdings, asset allocation, performance and our outlook for the economy and financial markets Tailoring of Advisory Services We offer individualized advice to clients via the following services: One-time Comprehensive Financial Planning; Comprehensive Financial Planning, Advice and Investment Management; and Comprehensive Retirement Planning, Advice and Investment Management. We usually do not allow clients to impose restrictions on investing in certain securities or types of securities. In the rare instance that we do, it is limited to restrictions that do not unduly impede our ability to otherwise execute their Investment Policy. Such restrictions are limited to the following services: Comprehensive Financial Planning, Advice and Investment Management; and Comprehensive Retirement Planning, Advice and Investment Management. We only manage assets through these two advisory services. We will occasionally agree to provide a portion of our two ongoing services without also providing the remainder of these ongoing services. Participation in Wrap Fee Programs We do not offer wrap fee programs. Regulatory Assets Under Management We manage $432,905,163 on a discretionary basis and $12,504,459 on a non-discretionary basis as of December 31, 2023. ADV Part 2A – Firm Brochure Page 7 Cornerstone Wealth Advisors, Inc.