Pillar Wealth Management, LLC (“PWM”) is an SEC registered investment adviser. Mr. Haitham E. Ashoo is the Chief Compliance Officer (CCO) and Managing Member of Pillar Wealth Management, LLC, and as of FYE2023, PWM managed $201,167,860.58 on a discretionary basis. Financial Planning At Pillar Wealth Management we take the time to listen and learn about each client’s specific financial circumstances. We do this to get a better understanding of each client’s current financial situation and where they aspire to be in their financial future. With a thorough understanding of their current financial condition, Pillar Wealth Management, in partnership with each client, uses this information as the cornerstone for developing a thoughtful and comprehensive investment strategy within a broader financial plan. That plan, appropriately adjusted along the way, forms the roadmap for each client in which we follow in an effort to achieve their long term financial goals. Pillar Wealth Management begins by reviewing each client’s current assets, liabilities, income, expenses, and risk tolerance. We then look to the client’s future income needs and expenses. It is at this point that we start to create and develop the financial plan. The information uncovered in the discovery process, such as risk tolerance and past financial behaviors and previous financial decisions, helps us at Pillar Wealth Management to determine a target asset allocation that is appropriate for each client’s goals and risk tolerance. Once the appropriate asset mix is determined and agreed we move to implement that plan. A client’s thorough understanding of the plan, the potential risks involved, and the need to adjust the plan as financial circumstances change are just a few of the factors that will contribute to the financial plans success. Capital markets are complex and volatile and we believe educated investors increase their probability of achieving their financial goals when they stay focused on their specific financial plan. Pillar Wealth Management encourages clients to have an open dialogue as it relates to financial planning, and to review the financial plan no less than annually and advise our clients to contact us if there is a material change to

their financial circumstances and/or a change in the information they have provided Pillar Wealth Management in general. This process helps clients stay focused on their long-term objectives even as they encounter periods of short term uncertainty during market volatility. Financial plans are dynamic and will change over time based on changes in individual client circumstances. Investment Management Services Pillar Wealth Management assists clients with the management of their investments on a discretionary basis with the client’s consent. Each accounts asset allocation and target asset mix is guided by a client’s objectives, investment experience, investment objectives, goals, time horizon, liquidity needs, risk tolerance, tax circumstances, and other factors. Although we tend to favor the use of Mutual Funds and ETFs, Pillar Wealth Management’s investment decisions are not limited to any specific security or industry and may include investment advice regarding the following types of securities and investment vehicles:  Mutual Funds  Exchange Traded Funds (ETFs)  Domestic Equities Corporate Bonds Certificates of Deposit Municipal Bonds U.S. Treasuries REITs Commodities  Preferred Stocks Because the above investments involve varying degrees of risk, they will only be utilized or recommended when consistent with a client's stated investment goals, risk tolerance, liquidity needs, and tax circumstances. Importantly, we consider the riskiness of any single investment within the broader context of a client’s overall portfolio in addition to the risk characteristics of any individual security. Pillar Wealth Management creates custom portfolios for its clients as to align with each clients risk tolerance, investment objectives and goals. Once Pillar Wealth Management constructs a customized investment portfolio for a client, we monitor each client’s investment strategy and performance on an ongoing basis, rebalancing the portfolio as we deem appropriate. If a client’s financial circumstance(s) and/or investment objectives change they are expected to notify Pillar Wealth Management immediately, this is to ensure the client’s portfolio stays in line with their risk tolerance and goals.