A. Description of the Advisory Firm PGP Wealth Services, LLC (“PGP”), was formed on June 9, 2009 and based in Burbank, CA, and has been providing investment advisory services since 2010. PGP’s principal owner is Troy Peterson. Under CCR Section 260.238(k), PGP, its representatives or any of its employees will disclose to Clients, all material conflicts of interest. B. Types of Advisory Services ASSET MANAGEMENT PGP offers asset management services to advisory Clients. PGP will offer Clients ongoing asset management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. Discretionary When the Client elects to use PGP on a discretionary basis, the Client will sign a limited trading authorization or equivalent allowing PGP to determine the securities to be bought or sold and the amount of the securities to be bought or sold. PGP will have the authority to execute transactions in the account without seeking Client approval on each transaction. PGP may also select and appoint one or more Sub-Advisor(s) to provide Sub-Advisor Services to Client’s Account without prior consultation with or the prior consent of Client. Such Sub-Advisor Services will be as determined by PGP. Such Sub-Advisor(s), in providing Sub-Advisor Services, shall have all of the same authority relating to the management, including fee deduction authority, of Client’s Account as is granted to PGP in this Agreement. In addition, at PGP’s discretion, PGP may grant such Sub-Advisor(s) full authority to further delegate such discretionary investment authority to other Money Managers. The selection of Sub-Advisors will not affect the fee amount charged to the Client. All fees paid by Client to PGP are inclusive of the fees paid to Sub-Advisor. FINANCIAL PLANNING AND CONSULTING Financial planning services include an evaluation of a Client's current and future financial state will be provided by using currently known variables to predict future cash flows, asset values and withdrawal plans. PGP will use current net worth, tax liabilities, asset allocation, and future retirement and estate plans in developing financial plans. Topics generally reviewed in a financial plan may include but are not limited to:
• Financial goals: Based on an individual's or a family's clearly defined financial goals, including funding a college education for the children, buying a larger home, starting a business, retiring on time or leaving a legacy. Financial goals should be quantified and set to milestones for tracking.
• Personal net worth statement: A snapshot of assets and liabilities serves as a benchmark for measuring progress towards financial goals.
• Cash flow analysis: An income and spending plan determines how much can be set aside for

debt repayment, savings and investing each month.
• Retirement strategy: A strategy for achieving retirement independent of other financial priorities. Including a strategy for accumulating the required retirement capital and its planned lifetime distribution.
• Comprehensive risk management plan: Identify all risk exposures and provide the necessary coverage to protect the family and its assets against financial loss. The risk management plan includes a full review of life and disability insurance, personal liability coverage, property and casualty coverage, and catastrophic coverage.
• Long-term investment plan: Include a customized asset allocation strategy based on specific investment objectives and a risk profile. This investment plan sets guidelines for selecting, buying and selling investments and establishing benchmarks for performance review.
• Tax reduction strategy: Identify ways to minimize taxes on personal income to the extent permissible by the tax code. The strategy should include identification of tax favored investment vehicles that can reduce taxation of investment income.
• Estate preservation: Help update accounts, review beneficiaries for retirement accounts and life insurance, provide a second look at your current estate planning documents, and prompt you to update your plan when the legal environment changes or you have major life events such as a marriage, death, or births. If a conflict of interest exists between the interests of PGP and the interests of the Client, the Client is under no obligation to act upon PGP’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to affect the transaction through PGP. Financial plans will be completed and delivered within ninety (90) days contingent upon timely delivery of all required documentation. Under CCR Section 260.235.2, it requires that the conflict of interest, which exists between the interests of the investment advisor and the interests of the Client when offering financial planning services, be disclosed. SEMINARS AND WORKSHOPS PGP holds seminars and workshops to educate the public on different types of investments and the different services they offer. The seminars are educational in nature and no specific investment or tax advice is given. C. Client-Tailored Services and Client-Imposed Restrictions The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. These restrictions may, however, prohibit engagement with PGP. D. Wrap Fee Programs PGP does not participate in a Wrap Program. E. Amounts Under Management As of December 31, 2023, PGP provides management services for: Discretionary Assets: Non-Discretionary Assets: $83,122,000 $0