Centerpoint provides a range of investment and wealth management services, focusing on wealth accumulation, asset allocation, retirement planning, and financial planning while maintaining a strong commitment to individual service. Centerpoint has been in business as a registered investment adviser since July 2011 and is currently operated by principals Jennifer M. Wolfsberg and John E. Wolfsberg. Prior to becoming an independent investment adviser, Centerpoint operated as a d/b/a of National Securities Corporation and National Asset Management. As of December 31, 2023, Centerpoint manages approximately $605,026,533.28 in client assets, of which approximately $589,253,450.63 is managed on a discretionary basis. Prior to engaging Centerpoint to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with Centerpoint setting forth the terms and conditions under which Centerpoint renders its services (collectively the “Agreement”). This disclosure brochure describes the business of Centerpoint. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of Centerpoint’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), or employees, or any other person who provides investment advice on Centerpoint’s behalf and is subject to Centerpoint’s supervision or control. Investment Management Services Clients can engage Centerpoint to manage all or a portion of their assets on a discretionary basis. In select and limited cases, Centerpoint may also manage assets on a non-discretionary basis. In conjunction with portfolio management, investment management clients may also receive certain family office and consulting services, as part of the firm’s comprehensive wealth management program. Centerpoint primarily allocates clients’ investment management assets among exchange-traded funds (“ETFs”), mutual funds, and/or individual debt and equity securities in accordance with the investment objectives of the client. Centerpoint may also provide advice about any legacy positions or investments otherwise held in clients' portfolios. Additionally, Centerpoint may render investment management services to clients relative to variable life/annuity products that they may own, their individual employer-sponsored retirement plans, and/or 529 plans or other products that may not be held by the client’s primary custodian. In so doing, Centerpoint either directs or recommends the allocation of client assets among the various investment options that are available with the product. Client assets are maintained at the specific insurance company or custodian designated by the product. Centerpoint tailors its advisory services to the individual needs of clients. Centerpoint consults with clients initially and on an ongoing basis to determine risk tolerance, time horizon and other factors that may impact the clients’ investment needs. Centerpoint strives to ensure that clients’ investments are suitable for their investment needs, goals, objectives and risk tolerance. Clients are advised to promptly notify Centerpoint if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon Centerpoint’s management services. Clients may impose reasonable restrictions or mandates on the management of their account if, in Centerpoint’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. Third Party Money Managers Centerpoint may also utilize third party money managers (“money managers”) in a separately managed account in which the money manager, not affiliated with Centerpoint, is selected. Under the program, Centerpoint will assist the client to identify and match a money manager based on information the client has provided to Centerpoint regarding their financial resources, risk tolerance profiles and investment objectives. The money manager will invest the client’s account on a discretionary basis. Centerpoint has established relationships with third party money managers and may establish relationships with new money managers from time to time through the execution of a service agreement. Centerpoint is responsible for conducting due diligence of money managers and provides oversight to the money managers retained by Centerpoint to manage client portfolios or accounts. The due diligence of the money manager will include a review of the money manager’s Form ADV Part 1 and 2A and all applicable Appendices for adequate disclosure and controls surrounding potential conflicts of interest and an analysis of the qualifications of the money manager and material personnel. An analysis of the performance results will be included within the due diligence, including any supporting documentation and references. The evaluations performed by Centerpoint are intended to provide sufficient data and/or reports on each money manager evaluated to allow Centerpoint to evaluate the competence and experience of each money manager in accordance with then-current industry standards. Money manager performance, like that of investment performance, is reviewed periodically by Centerpoint and discussed with the client. In most cases, recommendations to replace a money manager are not made based upon short-term performance. When a money manager is replaced, Centerpoint will obtain the client's consent when applicable for the change. When a money manager is selected, clients will receive that firm's Form ADV Part 2A brochure for review. Clients are encouraged to carefully review the information in the brochure upon receipt. The performance of money managers may be reviewed by an outside source. Centerpoint does not assume responsibility for the conduct of money managers, including their performance or compliance with laws or regulations. Clients are advised and should understand that (a) such manager’s past performance is no guarantee of future results; (b) there is a certain market and/or interest rate risk which may adversely affect any manager’s objectives and strategies and could cause a loss in a client’s account, and (c) any risk parameter or comparative index selections provided for accounts are guidelines only; there is no guarantee that they will be met or exceeded. Additions and Withdrawals to Accounts Clients may make additions to and withdrawals from their account at any time, subject to Centerpoint’s right to terminate an account. Clients may withdraw account assets on notice to Centerpoint, subject to the usual and customary securities settlement procedures. However, Centerpoint designs its portfolios as long- term investments and the withdrawal of assets may impair the achievement of a client’s investment objectives. Family Office and Consulting Services Centerpoint’s family office and consulting services are typically reserved for the firm’s investment management clients and rendered as part of Centerpoint’s comprehensive wealth management program. Centerpoint provides these services to existing

clients either pursuant to a formal engagement or on an ad hoc basis. Under certain circumstances, the firm may also render certain family office and/or consulting services to non-investment management clients under a separate written agreement. These services may include a range of investment and non-investment related functions, including, without limitation:
• Select Bill Pay Assistance
• Wealth transfer
• Charitable Fund Assistance
• Estate Planning Coordination
• Asset Retitling
• Tax Planning and Advisor Coordination
• Insurance Review
• Portfolio Risk Assessment
• Succession Planning
• Education funding
• Retirement Planning
• Family Governance
• Business valuation coordination
• Next Gen Educational Services
• Certified Divorce Financial Analysis
• Account Aggregation Reporting and File Vault
• Review of External Investment Managers (Asset Allocation, Investment Strategy, and Fee Analysis of Outside Portfolios) In certain cases, our role shall be that of a facilitator between you and your designated professional provider, or if you do not already have a provider designated, to help match you with one when appropriate. Financial Planning Services To the extent requested by a client, Centerpoint provides comprehensive strategic planning services, including the development of a comprehensive Financial Plan. The goal of the Financial Plan is to help clients determine their critical financial needs over time and assist them in creating a detailed, integrated life plan for meeting those needs. In addition to developing planning scenarios to help clients meet their short and long-term financial goals, our financial planning services include:
• General Financial Planning
• Net Worth Analysis
• Investment Strategy and Asset Allocation Analysis
• Cash Flow and Savings Analysis
• Education Planning
• Insurance Analysis
• Retirement Planning and Scenario Analysis
• Tax Planning
• Estate Documents Consultation With respect to estate planning and tax planning, our role shall be that of a facilitator between you and your designated professional adviser(s). Trustee Services In limited circumstances, we may serve as trustee for select clients and their related trusts. Miscellaneous When performing the consulting and/or planning services as described above, we are neither your attorneys nor your accountants and no portion of any consulting/planning services rendered by us should be interpreted by you as legal or accounting advice. We recommend that you seek the advice of a qualified attorney and accountant. Centerpoint may recommend the services of itself and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if Centerpoint recommends the services of itself, as the receipt of additional compensation may provide an incentive to recommend its own services over that of an unaffiliated entity or professional. The client is under no obligation to act upon any of the recommendations made by Centerpoint under a consulting/planning engagement or to engage the services of any such recommended professional, including Centerpoint itself. Clients retain absolute discretion over all such consulting/planning services and are free to accept or reject any of Centerpoint’s recommendations. Please note that if the client engages any unaffiliated recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Client Obligations In performing its services, Centerpoint 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 his/her/its responsibility to promptly notify Centerpoint if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising Centerpoint’s previous recommendations and/or services. Retirement Rollovers A client leaving an employer typically has four options (and may engage in a combination of these options): i) leave the money in his former employer’s plan, if permitted, ii) roll over the assets to his or her new employer’s plan, if one is available and rollovers are permitted, iii) rollover to an IRA, or iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). Centerpoint may recommend an investor roll over plan assets to an Individual Retirement Account (IRA) managed by Centerpoint. As a result, Centerpoint and its representatives may earn an asset-based fee. In contrast, a recommendation that a client or prospective client leave his or her plan assets with his or her old employer or roll the assets to a plan sponsored by a new employer will generally result in no compensation to Centerpoint (unless you engage Centerpoint to monitor and/or manage the account while maintained at your employer). Centerpoint has an economic incentive to encourage an investor to roll plan assets into an IRA that Centerpoint will manage or to engage Centerpoint to monitor and/or manage the account while maintained at your employer. There are various factors that Centerpoint may consider before recommending a rollover, including but not limited to: i) the investment options available in the plan versus the investment options available in an IRA, ii) fees and expenses in the plan versus the fees and expenses in an IRA, iii) the services and responsiveness of the plan’s investment professionals versus Centerpoint, iv) protection of assets from creditors and legal judgments, v) required minimum distributions and age considerations, and vi) employer stock tax consequences, if any. No client is under any obligation to rollover plan assets to an IRA managed by Centerpoint or to engage Centerpoint to monitor and/or manage the account while maintained at your employer. Please Note: If Centerpoint’s engagement will include the management of the client’s retirement account per the same fee schedule set forth in Item 5 below, regardless of custodian or the client’s decision to process a rollover, the above economic incentive to recommend a rollover is moot. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries 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. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Centerpoint’s Chief Compliance Officer, Jennifer M. Wolfsberg, remains available to address any questions that a client or prospective client may have regarding the above and the corresponding conflict of interest presented by such engagement.