A. IHT Wealth Management LLC IHT Wealth Management LLC (“IHT” and/or “the firm”) is an Illinois limited liability company formed in 2014. The firm is principally owned by Steven J. Dudash and offers investment advice and money management services. IHT offers services through its network of investment advisor representatives (“Advisor Representatives” or “IARs”). IARs may have their own legal business entities whose trade names and logos are used for marketing purposes and may appear on marketing materials or client statements. The client should understand that the businesses are legal entities of the IAR and not of IHT. The IARs are under the supervision of IHT, and the advisory services of the IAR are provided through IHT. IHT has the arrangement described above with the following Advisor Representatives:
• Boardwalk Wealth Solutions
• Bridge Benefits Group
• Carrera Financial
• DeWitt Wealth Advisors
• DWF Wealth Management
• Equity Wealth Management
• Eclipse Private Wealth Management
• Gratitude Wealth Management
• J. David Barkley & Associates
• Jeff K. Ross Financial
• JLS Wealth Management
• KMG Wealth Management
• Lighthouse Financial Group
• LPG Financial
• Milestone Financial Services
• Mueller Financial Services
• nVision 401(K) Plan Advisors
• nVision Wealth
• Pinnacle Wealth Management
• Provident Wealth Management
• Riverstone Wealth Management
• Rocky Mountain Wealth Management
• Sewell Wealth Management
• Stonebriar Wealth Management
• Success Wealth Management
• SW Advisers
• Tall Oaks Advisors
• The Nessim Group
• Thrive Life 360
• Venice Wealth Partners
• W Investments B. Advisory Services Offered B.1. Discretionary Asset Management Services For its discretionary asset management services, IHT receives a limited power of attorney to effect securities transactions on behalf of its clients that include securities and strategies described in Item 8 of this brochure. IHT’s discretionary asset management services are predicated on the client's investment objectives, goals, tolerance for risk, and other personal and financial circumstances. IHT will analyze each client's current investments, investment objectives, goals, age, time horizon, financial circumstances, investment experience, investment restrictions and limitations, and risk tolerance and implement a portfolio consistent with such investment objectives, goals, risk tolerance and related financial circumstances. IHT’s objective is to review the client’s tax, financial, and estate planning objectives and goals in connection with the client’s investment objectives, goals, tolerance for risk, and other personal and financial circumstances and make appropriate recommendations and implementation decisions. IHT may engage third-party service providers to assist with the tax and estate planning portion of the services provided to clients. In addition, IHT may utilize third-party software to analyze individual security holdings and separate account managers utilized within the client’s portfolio. IHT’s investment advisory services to clients take into account a client's personal financial circumstances, investment objectives and tolerance for risk (e.g., cash-flow, tax and estate). IHT’s engagement with a client will include, as appropriate, the following:  Providing assistance in reviewing the client's current investment portfolio against the client's personal and financial circumstances as disclosed to IHT in response to a questionnaire and/or in discussions with the client and reviewed in meetings with IHT.  Analyzing the client's financial circumstances, investment holdings and strategy, and goals.  Providing assistance in identifying a targeted asset allocation and portfolio design.  Implementing and/or recommending individual equity and fixed income securities, mutual funds and ETFs.  Reporting to the client on a quarterly basis or at some other interval agreed upon with the client, information on contributions and withdrawals in the client's investment portfolio, and the performance of the client's portfolio measured against appropriate benchmarks (including benchmarks selected by the client).  Proposing changes in the client's investment portfolio in consideration of changes in the client's personal circumstances, investment objectives and tolerance for risk, the performance record of any of the client's investments, and/or the performance of any fund retained by the client.  If the client’s portfolio and personal circumstances, investment objectives, and tolerance for risk make such advice appropriate, providing recommendations to hedge a client’s portfolio through the use of derivative strategies, to generate additional income through the use of covered call option writing strategies involving exchange listed or OTC options, and/or to monetize or hedge concentrated stock positions. In addition to providing IHT with information regarding their personal financial circumstances, investment objectives and tolerance for risk, clients are obligated to provide the firm with any reasonable investment restrictions that should be imposed on the management of their portfolio, and to promptly notify the firm in writing of any changes in such restrictions or in the client's personal financial circumstances, investment objectives, goals and tolerance for risk. IHT will remind clients of their obligation to inform the firm of any such changes or any restrictions that should be imposed on the management of the client’s account. IHT will also contact clients at least annually to determine whether there have been any changes in a client's personal financial circumstances, investment objectives and tolerance for risk. B.2. LPL Financial Sponsored Advisory Programs – Guided Wealth Portfolios (“GWP”) IHT may provide advisory services through the GWP program sponsored by LPL Financial LLC (LPL), a registered investment advisor and broker-dealer. Below is a brief description of GWP. For more information regarding GWP, including more information on the advisory services and fees that apply, the types of investments available, and the potential conflicts of interest presented by the program, please see the GWP program account packet (which includes the account agreement and LPL Form ADV program brochure) and the Form ADV, Part 2A of LPL or GWP. GWP offers clients the ability to participate in a centrally managed, algorithm-based investment program, which is made available to users and clients through a web-based, interactive account management portal (“Investor Portal”). Investment recommendations to buy and sell exchange- traded funds and open-end mutual funds are generated through proprietary, automated, computer algorithms (collectively, the “Algorithm”) of FutureAdvisor, Inc. (“FutureAdvisor”), based upon model portfolios constructed by LPL and selected for the account as described below (such model portfolio selected for the account, the “Model Portfolio”). Communications concerning GWP are intended to occur primarily through electronic means (including but not limited to, through email communications or through the Investor Portal), although IHT will be available to discuss investment strategies, objectives or the account in general in person or via telephone. A preview of the Program (the “Educational Tool”) is provided for a period of up to forty-five (45) days to help users determine whether they would like to become advisory clients and receive ongoing financial advice from LPL, FutureAdvisor and IHT by enrolling in the advisory service (the “Managed Service”). The Educational Tool and Managed Service are described in more detail in the GWP Program Brochure. Users of the Educational Tool are not considered to be advisory clients of LPL, FutureAdvisor or IHT, do not enter into an advisory agreement with LPL, FutureAdvisor or IHT, do not receive ongoing investment advice or supervisions of their assets, and do not receive any trading services. A minimum account value of $5,000 is required to enroll in the Managed Service. Features of the Managed Service Investors participating in the Managed Service (“clients” and each, a “client”) complete an account application (the “Account Application”) and enter into an account agreement (the “Account Agreement”) with LPL, IHT and FutureAdvisor. As part of the account opening process, clients are responsible for providing complete and accurate information regarding, among other things, their age, risk tolerance, and investment horizon (collectively, “Client Profile”). LPL, IHT and FutureAdvisor rely on the information in the Client Profile in order to provide services under the Program, including but not limited to, determination of suitability of the Program for clients and an appropriate Investment Objective and Model Portfolio for clients. The Model Portfolios have been designed and are maintained by LPL or, in the future, a third-party investment strategist (as applicable, the “Portfolio Strategist”) and shall include a list of securities holdings, relative weightings and a list of potential replacement securities for tax harvesting purposes. FutureAdvisor, IHT and clients cannot access, change or customize the Model Portfolios. Only one Model Portfolio is permitted per account. Based upon a client’s risk tolerance as indicted in the Client Profile, the client is assigned an investment allocation track (currently Fixed Income Tilt, Balance Tilt or Equity Tilt), the purpose of which is to slowly rotate the client’s equity allocation to fixed income over time. LPL Research created these tracks using academic research on optimal retirement allocations, the industry averages as calculated by Morningstar for the target date fund universe, and input from FutureAdvisor. Within the applicable allocation track and based upon a client’s chosen Retirement Age in the Client Profile, the client will be assigned a Model Portfolio and one of five of LPL’s standard investment objectives:  Income with capital preservation. Designed as a longer term accumulation account, this investment objective is considered generally the most conservative. Emphasis is placed on generation of current income with minimal risk of capital loss. Lowering the risk generally means lowering the potential income and overall return.  Income with moderate growth. This investment objective emphasizes generation of current income with a secondary focus on moderate capital growth.  Growth with income. This investment objective emphasizes modest capital growth with some focus on generation of current income.  Growth. This investment objective emphasizes achieving high long-term growth and capital appreciation. There is little focus on generation of current income.  Aggressive growth. This investment objective emphasizes aggressive growth and maximum capital appreciation, with no focus on generation of current income. This objective has a very high level of risk and is for investors with a longer timer horizon. Both the client and IHT are required to review and approve the initial Investment Objective. As a client approaches the Retirement Age, the Algorithm will automatically adjust the client’s asset allocation. Any change to the Investment Objective directed by a client due to changes in the Client’s risk tolerance and/or Retirement Age will require written approval from the client and IHT before implementation. Failure to approve the change in Investment Objective may result in a client remaining in a Model Portfolio that is no longer aligned with the applicable Client Profile. The Investment Objective selected for the account is an overall objective for the entire account and may be inconsistent with a particular holding and the account’s performance at any time and may be inconsistent with other asset allocations suggested to client by LPL, IHT or FutureAdvisor prior to client entering into the Account Agreement. Achievement of the stated investment objective is a long-term goal for the account, and asset withdrawals may impair the achievement of client’s investment objectives. A Client Profile that includes a conservative risk tolerance over a long-term investment horizon may result in the selection of an Investment Objective that is riskier than would be selected over a shorter-term investment horizon. Clients should contact IHT if they believe the Investment Objective does not appropriately reflect the Client Profile, such as their risk tolerance. By executing the Account Agreement, clients authorize LPL and FutureAdvisor to have discretion to buy and sell only exchange-traded funds (“ETFs”) and open-end mutual funds (“Mutual Funds”) (collectively, “Program Securities”) according to the Model Portfolio selected and, subject to certain limitations described in the Account Agreement, hold or liquidate previously purchased non-model securities that are transferred into the account (“Legacy Securities”). In order to be transferred into an account, Legacy Securities must be Mutual Funds with which LPL has a full or partial selling agreement, ETFs or individual U.S. listed stocks. Securities that are not Program Securities included within the Model Portfolio will not be purchased for an account, and FutureAdvisor, in its sole discretion, will determine whether to hold or sell Legacy Securities, generally, but not solely, with the goal of optimizing tax impacts for accounts that are subject to tax. Additional Legacy Securities will not be purchased for the account. Clients may not impose restrictions on liquidating any Legacy Securities for any reason. Clients should not transfer in Legacy Securities that they are not willing to have liquidated at the discretion of FutureAdvisor. In addition, uninvested cash may be invested in money market funds, the Multi-Bank Insured Cash Account (“ICA”) or the Deposit Cash Account (“DCA”), as applicable, as described in the Account Agreement. Dividends paid by the Program Securities in the account will be contributed to the cash allocation and ultimately reinvested into the account based on the Model Portfolio once the tolerance within cash allocation is surpassed. Pursuant to the Account Agreement, FutureAdvisor is authorized to perform tax harvesting when

deemed acceptable by the Algorithm based on the Legacy Securities’ respective tax lot information. If tax lot information is missing for a Legacy Security, the Legacy Security will be retained in the Account while FutureAdvisor and IHT use reasonable efforts to obtain the missing information. If the information cannot be obtained within a reasonable timeframe (generally no longer than 30 days), the Legacy Security will be sold and replaced with a Program Security in the Model Portfolio. LPL, IHT and clients cannot alter trades made for tax harvesting purposes. In order to permit trading in a tax-efficient manner, the Account Agreement also grants FutureAdvisor the authority to select specific tax lots when liquidating securities within the account. Although the Algorithm attempts to achieve tax efficiencies, by doing so a client’s portfolio may not directly align with Model Portfolio. As a result, a client may receive advice that differs from the advice received by accounts using the same Model Portfolio, and the client’s account may perform differently than other accounts using the same Model Portfolio. During the term of the Account Agreement, FutureAdvisor will perform a daily review of the account to determine if rebalancing is appropriate based on tolerance thresholds established by LPL and/or FutureAdvisor. At each rebalancing review, the account will be rebalanced if at least one of the account positions is outside such thresholds, subject to a minimum transaction amount established by LPL and/or FutureAdvisor. In addition, LPL and/or FutureAdvisor may review the account for rebalancing in the event that the Portfolio Strategist changes a Model Portfolio. FutureAdvisor may delay placing rebalancing transactions for non- qualified accounts by a number of days, to be determined by FutureAdvisor, in an attempt to limit short-term tax treatment for any position being sold. In addition, trading in the account at any given time is also subject to certain conditions, including but not limited to, conditions related to trade size, compliance tests, the target cash allocation and allocation tolerances. LPL, IHT and clients can alter the rebalancing frequency. Selection of FutureAdvisor as Third-Party Robo Advisor Under IHT’s agreement with LPL, IHT was provided the opportunity to offer GWP, which utilizes FutureAdvisor’s Algorithm as described herein, to prospective clients. FutureAdvisor is compensated directly by LPL for its services, including the Algorithm and related software, through an annual sub-advisory fee (tiered based on assets under management by FutureAdvisor, at a rate ranging from 0.10% to 0.17%). As each asset tier is reached, LPL’s share of the compensation shall increase and clients will not benefit from such asset tiers. No additional fee is charged for FutureAdvisor’s services. IHT believes that certain clients will benefit from GWP’s advisor-enhanced advisory services, particularly due to the relatively low minimum account balance and the combination of a digital advice solution with access to an advisor. Unlike direct-to-consumer robo platforms, IHT is responsible on an ongoing basis as investment advisor and fiduciary for the client relationship, including for recommending the program for the client; providing ongoing monitoring of the program, the performance of the account, the services of LPL and FutureAdvisor; determining initial and ongoing suitability of the program for the client; reviewing clients’ suggested portfolio allocations; reviewing and approving any change in Investment Objective due to changes clients make to their Client Profile; answering questions regarding the program, assisting with paperwork and administrative and operational details for the account; and being available to clients to discuss investment strategies, changes in financial circumstances, objectives or the account in general in person or via telephone. IHT can also recommend other suitable investment programs if clients have savings goals or investment needs for which GWP is not the optimal solution. B.3. Consulting and Financial Planning Services The firm offers financial planning services, which may include a review of a client’s current financial situation, such as cash management, risk management, insurance, education funding, goal setting, retirement planning, estate and charitable gift planning, tax planning, and capital needs planning. Creation of a comprehensive financial plan generally requires at least four hours of an investment adviser representative’s time. Financial planning services are offered to those clients who express need for such comprehensive planning, and some clients do not utilize the firm for such services. A financial plan may include both long and short-term considerations, depending upon the client’s financial situation. Upon completion, a plan is presented to the client, compatible with the client’s stated goals and objectives. An implementation schedule is reviewed with the client to determine what steps will be pursued, and with whom the steps may be accomplished. The firm’s financial plan may be a comprehensive plan encompassing a client’s entire financial situation, including asset allocation, investments, retirement planning, education expenses, estate planning and insurance needs. Alternatively, in consultation with a client, the financial plan may involve less than all of such components. B.4. ERISA Plan Consulting Services B.4.a. Non-Discretionary 3(21) Fiduciary Services  Investment Policy Statement (“IPS”): IHT will review with the plan sponsor the investment objectives, risk tolerance, and goals of the plan. If the plan does not have an IPS, IHT will provide recommendations to the plan sponsor to assist the plan sponsor with establishing an IPS. If the plan has an existing IPS, IHT will review it for consistency with the plan’s objectives. If the IPS does not represent the objectives of the plan, IHT will recommend to the plan sponsor revisions to align the IPS with the plan’s objectives, which recommendations may be considered by the plan sponsor.  Designated Investment Alternatives (“DIA”): Based on the plan’s IPS, IHT will review the investment options available to the plan and will make recommendations to assist the plan sponsor with selecting DIAs to be offered to participants. Once the plan sponsor selects the DIAs, IHT will, on a periodic basis and/or upon reasonable request, provide reports and information to assist the plan sponsor with monitoring the DIAs. If the IPS criteria require a DIA to be removed, IHT will provide recommendations to assist the plan sponsor with replacing the DIA.  Model Asset Allocation Portfolios (“Models”): Based on the plan’s IPS or other investment guidelines established by the plan, IHT will review the DIAs available to the plan and will make recommendations to assist the plan sponsor with creating risk-based models comprised solely among the plan’s DIAs. Once the plan sponsor approves the models, IHT will provide reports, information and recommendations, on a periodic basis, designed to assist the plan sponsor with monitoring the models. If the IPS criteria require any DIA(s) to be removed, IHT will provide recommendations to assist the plan sponsor with evaluating replacement DIA(s) to be included in the models. Upon reasonable request, and depending upon the capabilities of the recordkeeper, IHT will make recommendations to the plan sponsor to reallocate and/or rebalance the models to maintain their desired allocations.  Qualified Default Investment Alternative (“QDIA”): Based on the plan’s IPS or other guidelines established by the plan, IHT will review the investment options available to the plan and will make recommendations to assist the plan sponsor with selecting the plan’s QDIA(s). Once the plan sponsor selects the plan’s QDIA(s), IHT will provide reports and information, on a periodic basis and/or upon reasonable request, to assist the plan sponsor in monitoring the QDIA(s). If the IPS criteria require a QDIA to be replaced, IHT will provide recommendations to assist the plan sponsor with evaluating replacement QDIA(s). B.4.b. Plan Consulting Services  Administrative Support:
• Assist plan sponsor in reviewing objectives and options available through the plan
• Review plan committee structure and administrative policies/procedures
• Recommend participant education and communication policies under ERISA §404(c)
• Assist with development/maintenance of fiduciary audit file and document retention policies
• Deliver fiduciary training and/or education periodically or upon reasonable request
• Assist with coordination of participant disclosures under 404a-5
• Develop requirements for responding to participant requests  Service Provider Relationship Oversight:
• Assist fiduciaries with a process to select, monitor and replace service providers
• Assist fiduciaries with review of Covered Service Providers (“CSP”) disclosures under ERISA §408(b)(2) and fee benchmarking
• Provide reports and/or information designed to assist fiduciaries with monitoring CSPs
• Review ERISA Spending Accounts or Plan Expense Recapture Accounts
• Assist with preparation and review of Requests for Proposals and/or Information
• Coordinate and assist with CSP replacement and conversion  Investments:
• Periodic review of investment policy in the context of plan objectives
• Assist the plan committee with monitoring investment performance
• Provide analysis of investment managers and model portfolios
• Review and recommend Designated Investment Managers (“DIMs”) and/or third- party advice providers as necessary
• Educate plan committee members, as needed, regarding replacement of DIA(s) and/or QDIA(s)  Participant Services:
• Facilitate group enrollment meetings
• Coordinate employee education regarding plan investments and fees
• Assist participants in understanding plan benefits, retirement readiness and impact of increasing deferrals B.4.c. Discretionary 3(38) Fiduciary Services  IHT will implement the IPS by investing and reinvesting the plan’s assets consistent with the IPS.  IHT will reallocate and/or rebalance the models to maintain their desired allocations.  Adviser will select investment options that are available under the plan. B.5. Third-Party Money Managers Clients may access unaffiliated third-party money managers who offer specialized asset management expertise or services that IHT utilizes to manage all or a portion of the client’s assets in appropriate cases. Such third-party money managers’ expertise ranges from research and selection of investment options to monitoring the assets and deciding when to sell them. Once selected, these third-party money managers have discretion with respect to the portion of the client’s assets placed with them, allowing such third-party money managers to choose and prudently manage investments for the client. In exercising their discretion, such third-party money managers may develop an appropriate investment strategy, buying and selling securities in accordance with that strategy, subject to restrictions imposed by the client. These programs allow clients to obtain portfolio management services that typically have higher minimum account sizes if the client sought to engage the manager off platform or outside of the program. IHT has no ability to affect the trading decisions of the third-party money managers once a client decides to participate in these programs and can only choose whether to engage or terminate a third-party money manager. IHT retains the right to replace (i.e., "hire or fire") third-party money managers on behalf of clients that have given discretionary authority to IHT. Discretionary authority allows IHT to choose or change any third- party money manager approved for a given platform, without additional approvals from the client. IHT will evaluate the third-party money managers and investment vehicles to determine whether the third-party money manager is suitable for the client, given the third-party money manager’s style and allocation. In addition, IHT performs ongoing due diligence of the individual third-party money managers’ performance and management, continuously reviews the client’s account for adherence to objectives outlined with the manager and will reallocate assets among managers if necessary. Each third-party money manager maintains a separate disclosure document provided to clients, outlining the manager’s investment vehicle. In addition, IHT and third parties administering wrap fee programs maintain additional disclosure documents that specifically pertain to the wrap fee programs that they administer. Clients should carefully review these disclosure documents for important and specific details including, among other things, fees, experience, investment objectives and risk guidelines, and disclosure of the third-party money manager's potential conflicts of interest. B.6. Collateralized Loan Programs IHT participates in loan programs offered by Goldman Sachs Bank USA and The Bancorp Bank whereby IHT clients may be referred for custom collateralized loans secured by certain investment property, securities, securities entitlements, and other financial assets maintained in their securities accounts. In order to participate in the loan programs, the client’s assets are required to be custodied at certain approved custodians. C. Client-Tailored Services and Client-Imposed Restrictions Each client’s account will be managed on the basis of the client’s financial situation and investment objectives and in accordance with any reasonable restrictions imposed by the client on the management of the account—for example, restricting the type or amount of security to be purchased in the portfolio. D. Wrap Fee Programs IHT offers a wrap fee in which it provides investment management services for one all-inclusive fee. Please refer to Appendix 1 of Part 2A: IHT Wrap Fee Program Brochure. Please see Item 5.A. of this Brochure for important disclosure regarding custodian investment programs. E. Client Assets Under Management As of December 31, 2023, IHT had $4,819,952,225 of discretionary and $510,351 of non- discretionary assets under management.