Collaborative Wealth Management, Inc. (“the Adviser”) has been in business since 2007. Chad Justice is the principal owner. Planning & Consulting Services The Adviser provides planning and consulting services consistent with a client’s goals, objectives, time horizon, tax status, and risk tolerance. The Adviser works with a client to develop a plan to address their tax concerns, life insurance, retirement, investment, and budgetary needs. This involves gathering enough data to perform an analysis of a client’s cash flow, and cash management needs; in addition to the investment, tax, retirement income, estate/legacy planning requirements. Wealth Planning Services are offered to clients with the most comprehensive and complex planning needs, often multi- generational. Their holdings will often consist of more diverse assets with some alternative and illiquid investments. These may include but are not limited to real estate, family businesses, employer granted stock options, and private investments. Wealth planning clients typically have a net worth starting at $3,000,000. Comprehensive Planning Services are offered to clients with comprehensive but less complex planning needs. Their holdings will primarily consist of conventional assets. Limited Planning Services are offered to a client that needs or wants a specialized plan, which is limited to specific areas as agreed upon by the client and Adviser. Consulting Services are offered to clients that don’t want or need a formal plan and the scope and areas addressed are as requested by the client. Planning Conflicts of Interest A conflict of interest is created whenever the Adviser or an associated person of the Adviser recommends products or services to a client for which the Adviser or an associated person receives compensation. However, planning clients are under no obligation to act upon any recommendations of the Adviser or to execute any transactions through the Adviser or an associated person if they decide to follow the recommendations. Investment Management Services The Adviser provides investment management services to its clients on a discretionary

and non-discretionary basis. When the Adviser manages client assets on a discretionary basis, the Adviser executes securities transactions for clients without having to obtain specific client consent prior to each transaction. Discretionary authority is limited to investments within a client’s managed accounts. When the Adviser manages client assets on a non-discretionary basis, the Adviser notifies the client and obtains permission prior to the sale or purchase of each security within the managed account. Clients may decide not to invest in certain securities or types of securities and may refuse to approve securities transactions. The Adviser provides investment management services that include, among other things, advice regarding asset allocation and the selection of investments, portfolio design, investment plan implementation and ongoing investment monitoring. CW ADV Part 2A—4 The Adviser relies on the stated objectives of the client and considers the client’s risk profile and financial status prior to making any recommendations. Advisory Referral Services The Adviser maintains referral agreements with third-party asset managers (other independent investment advisers). The Adviser gathers information about a client’s financial and tax status and investment objectives in order to determine the client’s risk profile. Based on this analysis the Adviser assists the client in allocating assets among various third-party asset management programs. The Adviser receives compensation for introducing clients to these third-party asset managers and for certain ongoing services provided to clients. Whenever this occurs, a conflict will exist because the Adviser will have an incentive to refer a client to these third-party asset managers. All third-party asset managers to whom the Adviser refers a client are licensed as investment advisers by their resident states and any applicable jurisdictions or by the Securities and Exchange Commission. Assets Under Management As of December 31, 2021, the Adviser manages $416,939,298 in client assets on a discretionary basis and $33,890,612 on a non- discretionary basis for a total of $450,829,910.