Founded in May 2008, Wealth CMT provides wealth planning and management services. The Firm was built on the foundation of excellent client service combined with personalized attention and knowledge of the financial markets. Prior to engaging Wealth CMT to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with Wealth CMT setting forth the terms and conditions under which Wealth CMT renders its services (collectively the “Agreement”). Andrew J. Barnett and Eric M. Feder are the principal owners of Wealth CMT. As of December 31, 2022, Wealth CMT had $ 264,093,823 in assets under management, all of which was managed on a discretionary basis. FINANCIAL PLANNING Wealth CMT believes that the process by which a financial plan is developed is as valuable as its ultimate outcome. That process is designed to give Wealth CMT the information it needs to not only produce a plan, but to manage the client’s assets on an ongoing basis, should the client engage us to do so. Wealth CMT believes this process is more valuable in determining investment objectives than a simplified form or “risk calculator”, which is why we prefer to work with clients by performing financial planning services with asset management services. The process begins with an understanding of what Wealth CMT will do for the client, and the client’s role in the process. Wealth CMT will interview the client and gather documents from the client to allow the firm to identify the client’s ultimate financial goals, and also develop an outline of the client’s current financial circumstances. It is important that clients play an active role in this process, as the plan will not be effective without up to date and accurate information from the client. Once the current and future circumstances are determined, Wealth CMT will analyze this information in order to determine potential paths toward reaching that particular client’s goals, and ultimately present these options and recommendations to the client. Planning services that are limited to a specific aspect of a client’s financial life may not warrant a plan document, but results and recommendations will be reviewed to ensure the client understands the recommended direction. In either case, it is the client’s choice whether to follow the recommendations, and if they choose to do so, they will seek assistance

from Wealth CMT in implementing the recommendations. Clients who elect to work with us for financial planning and asset management services will have the benefit of Wealth CMT leading an integrated process, whereby financial planning and the direction of asset management are combined. This integration includes the management of the assets identified in the plan in accordance with the directives of the plan, and an ongoing review of the client’s goals and maintaining a portfolio that is in keeping with those goals. Asset management processes are described more fully in Item 8 of this brochure. If you request, Wealth CMT may recommend the services of other professionals for certain aspects of implementation. You are under no obligation to engage the services of any such recommended professional. You retain absolute discretion over all such implementation 5 | P a g e decisions and are free to accept or reject any recommendation from Wealth CMT. If you engage any professional recommended by Wealth CMT, and a dispute arises thereafter relative to such engagement, you agree to seek recourse exclusively from and against the engaged professional. INVESTMENT MANAGEMENT SERVICES Clients can engage Wealth CMT to manage all or a portion of their assets on a discretionary basis. A discretionary engagement means Wealth CMT will have a Limited Power of Attorney to invest and reinvest the client’s assets in accordance with their investment objectives without consultation with the client prior to making a change in the portfolio. Wealth CMT allocates clients’ investment management assets among mutual funds and exchange-traded funds (“ETFs”). These allocations may be specific to the client or may be done as part of an allocation to one or more of Wealth CMT’s proprietary strategies, which are described in Item 8. Wealth CMT also provides advice about any type of investment held in clients' portfolios. Clients are advised to promptly notify Wealth CMT if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon Wealth CMT’s management services. Clients may impose reasonable restrictions or mandates on the management of their account if, in Wealth CMT’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts.