Ventura Wealth is primarily owned by its founder and President of Nick Ventura and Chief Operating Officer Daniel McElwee. Nick’s career spans over forty years in the field of investment management, and many of the firm’s clients have been with him from the start. Nick’s areas of expertise include portfolio strategy, asset allocation, and advanced financial planning. Nick is a CERTIFIED FINANCIAL PLANNER™ and a Certified Private Wealth Advisor. Daniel McElwee is a graduate of The College of New Jersey and earned an MBA from the Kenan- Flagler Business School at the University of North Carolina Chapel Hill. At UNC, Dan completed concentrations in investment management, corporate finance, and global marketing. He is a graduate of New York University’s Financial Planning Certificate Program and is a CFP. Ventura Wealth has more than $518 million dollars in assets under management, on both a discretionary and non-discretionary basis. Financial Planning Services: Ventura Wealth provides its clients with financial planning and consultation services (e.g., review of goals and objectives, analysis and recommendations for cash flow planning, asset allocation/investment planning, income tax planning, insurance planning, estate planning, retirement planning, education planning, real estate/mortgage planning, etc.). Investment Management Services : Ventura Wealth provides investment management services on a discretionary basis according to the investment objectives of the client and in accordance with the terms and conditions of the Investment Advisory Agreement between the Ventura Wealth and the client. Based upon the client’s stated investment objectives, Ventura Wealth’s investment management focuses on the use of Portfolio Models in order to provide investment returns consistent with clients’ investment goals and objectives. Based upon a particular Model Portfolio, Ventura Wealth will invest client’s accounts in certain percentages amongst numerous asset classes (e.g. stocks, corporate and government bonds, ETFs, mutual funds and alternate investments) in order to maximize client’s investment returns while achieving lower volatility within pre-determined risk parameters. The following are the primary model portfolios currently offered by Ventura Wealth: Current Income Portfolio: This portfolio may include either a barbell or laddered portfolio of individual securities with the aim of providing current income within market-driven duration parameters. This portfolio seeks to preserve the principal, provide current income, and a managed maturity schedule. The portfolio can be structured to be either tax-free through municipal bonds or taxable by using specific securities types such as corporates, Treasuries, or mortgage-backed securities. At times, based on market conditions, the portfolio will incorporate other income producing securities such as REIT’s, ETF’s, MLPs’, etc. Moderate Allocation: The moderate allocation portfolio is a growth and income portfolio. The model is appropriate for investors that are drawing on the account, as it is designed to generate current income. The model uses mutual funds, ETF’s, individual positions, with appropriate alternative assets. Global Balanced: The global balanced portfolio is a well-diversified, asset allocation portfolio. It invests in a combination of mutual funds, ETF’s, and individual holdings. It has a global reach beyond that of a traditional 60/40 split. In addition to equity and fixed income positions, it may hold positions in alternative investments. Core Equity The core equity portfolio is an all-equity model based on the S&P 500. The model purchases individual securities, ETF’s, and mutual funds. Macroeconomic trends, along with sector specific events, lead to under or overweight positions. The portfolio manager seeks to purchase high-caliber companies that are considered “best of class” to compose the majority of this model’s holdings. We may utilize options as a hedging strategy. Global Alpha: The global alpha portfolio is a theme-based, unconstrained model. The portfolio managers seek to identify macro-themes among asset classes and markets. The model has the ability to significantly overweight specific asset classes in an attempt to deliver an absolute return irrespective of market conditions. The portfolio may invest in individual securities, ETF’s, mutual funds, and other investment vehicles. We may utilize options and alternative assets as a hedging strategy. DART (The Dynamic Asset Rotation Timing Portfolio): The DART portfolio is a tactical asset allocation model. Its goal is to outperform the 60% S&P 500/40% Aggregate Bond Index split over time by reducing downside

risk. The portfolio’s beta is adjusted in response to market volatility. It has the ability to own a broad spectrum of asset classes. The DART strategy invests exclusively in ETF’s and is rebalanced monthly. In addition to our primary investment models, Ventura Wealth does provide several additional, legacy investment models: Special Situations: The Special Situations portfolio style is for client accounts that do not fall into the traditional parameters of VWM’s other investment styles. Concentrated stock holdings, low-basis stock, accounts with high distribution rates, etc. typically fall into this investment style. Goals for accounts in this strategy are client-defined. For accounts in the Special Situations portfolio, the wealth management team and the portfolio management team work closely together. \ TSC Conservative: For the TSC Conservative portfolio, the maximum allocation to equities is 50%. The benchmark is a 50/50 stocks to bond allocation. The equity component has an allocation to foreign equities. The ratio of domestic to foreign equities is 2-to-1. At any time in the stock market cycle, the equities allocation is determined by a group of indicators that include technical signals, valuation measures, sentiment measures, and economic indicators. Bond market indicators determine the duration of the fixed income portion of the portfolio. TSC Moderate: For the TSC Moderate portfolio, the maximum allocation to equities is 60%. The benchmark is a 60/40 stocks to bond allocation. The equity component has an allocation to foreign equities. The ratio of domestic to foreign equities is 2-to-1. At any time in the stock market cycle, the equities allocation is determined by a group of indicators that include technical signals, valuation measures, sentiment measures, and economic indicators. Bond market indicators determine the duration of the fixed income portion of the portfolio. TSC Aggressive: For the TSC Aggressive portfolio, the maximum allocation to equities is 100%. The benchmark is a 100% equity allocation. The equity component has an allocation to foreign equities. The ratio of domestic to foreign equities is 2-to-1. At any time in the stock market cycle, the equities allocation is determined by a group of indicators that include technical signals, valuation measures, sentiment measures, and economic indicators. Bond market indicators determine the duration of the fixed income portion of the portfolio. ETF Edge: The global balanced ETF portfolio is a total return portfolio. Its holding are primarily ETFs. It has a global reach beyond that of a traditional 60/40 split. In addition to equity and fixed income positions, it may hold positions in commodities and alternative investment ETFs. Mini Balanced: This is a moderate allocation portfolio that invests in 2 or 3 high quality mutual funds. The funds are reviewed quarterly. Mini Special Situations: The Mini Special Situations portfolio style is for client accounts that do not fall into the traditional parameters of VWM’s other investment styles. This model is similar to the Special Situations model, but for accounts that are smaller in market value. Goals for accounts in this strategy are client-defined. For accounts in the Mini Special Situations portfolio, the wealth management team and the portfolio management team work closely together. Mini Growth: The Mini Growth portfolio is a portfolio that invests in 2 high quality, low-cost ETFs. It has an emphasis on growth in capital appreciation while also providing some opportunity for current income. The funds are reviewed quarterly. Other Terms & Conditions: Prior to engaging Ventura Wealth to provide any investment advisory services, the client will be required to enter into a formal Agreement with Ventura Wealth setting forth the terms and conditions under which Ventura Wealth shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer/custodian. Both Ventura Wealth's Agreement and the custodial/clearing agreement authorize the custodian to debit the account for the amount of the Ventura Wealth's investment advisory fee and to directly remit that management fee to Ventura Wealth. In the event that Ventura Wealth bills the client directly, payment is due upon receipt of Ventura Wealth’s invoice. The Agreement between Ventura Wealth and the client will continue in effect until terminated by either party. In the event the client terminates Ventura Wealth’s services, the balance of any unearned fee, if any, shall be refunded to the client.