AA FINANCIAL ADVISORS, LLC

February 2026 Enclosed is a copy of ANTOLINO Wealth Advisors Disclosure Brochure, which includes the following documents: Form CRS Privacy Policy ADV Part 2A ADV Part 2B ANTOLINO Wealth Advisors 150 E. Broad St. Suite 100 Columbus, OH 43215 ANTOLINO Wealth Advisors is a dba of AA Financial Advisors, LLC A copy of our Part 2A is available at: https://adviserinfo.sec.gov/firm/brochure/119829  Client Relationship Summary February ,2026 Item 1 – Introduction ANTOLINO Wealth Advisors (“OP”, “we” or “us”) is registered with the Securities Exchange Commission (“SEC”) as a Registered Investment Adviser (“RIA”). As an RIA, our services and compensation structure differ from that of a registered broker- dealer, and it is important for you to understand the differences. Free and simple tools are available to research firms and financial professionals at www.Investor.gov/CRS. The site also provides educational materials about broker-dealers, investment advisers and investing. Item 2 – Relationships and Services What investment services and advice can you provide me? We provide investment advisory services, including initial and ongoing financial planning and consulting through our UltraVision System® and UltraVision ClubᎴ offerings, as well as discretionary and non-discretionary investment management through our Portfolio Management ProgramᎴ and an automated investment program. These services are offered to individuals, high net worth individuals, trusts, and estates (our “retail investors”). When a retail investor engages us to provide investment management services, we monitor, on an ongoing basis, the investments in the accounts over which we have investment authority. When engaged on a discretionary basis, we have the authority, without prior consultation with you (unless you impose restrictions on our discretionary authority), to buy, sell, trade and allocate the investments within your account(s) consistent with your investment objectives. When engaged on a non- discretionary basis, the retail investor makes the ultimate decision regarding the purchase or sale of investments. In either case, our investment authority over your account(s) continues until our engagement is terminated. Initial financial planning services are generally rendered under our UltraVision System® offering. These engagements conclude when we deliver our agreed upon planning documents to you. Ongoing planning and consulting services are provided through our UltraVision ClubᎴ , the specific services for which are dependent on the Club tier in which you enroll. UltraVision ClubᎴ is an ongoing offering, which can be terminated by either party in accordance with the terms of the client’s services agreement. In either case, we rely upon the information provided by you for our review and do not verify or monitor any such information while providing this service. We do not limit the scope of our investment advisory services to proprietary products or a limited group or type of investment. We generally do not impose a minimum asset level or minimum annual fee requirement. Additional Information: For more detailed information about our Advisory Business and the Types of Clients we generally service, please see Items 4 and 7, respectively in our ADV Part 2A. Given my financial situation, should I choose an investment advisory service? Why or why not? How will you choose investments to recommend to me? What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean? Item 3 – Fees, Costs, Conflicts, and Standard of Conduct What fees will I pay? Our Portfolio Management ProgramᎴ is provided for an annual asset-based fee. This means your fee is calculated as a percentage of your assets under our management (our “AUM Fee”). Our annual AUM Fee is negotiable up to a maximum of 1.50%, depending on a number of factors including the dollar amount of assets placed under our management, the complexity of the overall engagement, and other factors. We typically deduct our AUM Fee from one or more of your investment accounts, in advance, on a quarterly basis. Because our AUM Fee is calculated as a percentage of your assets under management, the more assets you have in your advisory account, the more you will pay us for our investment management services. Therefore, we have an incentive to encourage you to increase the assets maintained in accounts we manage. Client Relationship Summary December, 2025 Our UltraVision System® is available on a negotiable fixed fee basis. Fixed fees are negotiable and will vary based upon a variety of factors, including income, the client’s unique fact pattern, and the complexity of each project. In these engagements, we may require that the entire estimated fee be paid in advance. The UltraVision ClubᎴ are assessed on a monthly basis, in A copy of our Part 2A is available at: https://adviserinfo.sec.gov/firm/brochure/119829  advance, with fees varying depending on the Club tier in which you enroll and, potentially, the scope of services to be provided. Other Fees and Costs: Your investment assets will be held with a qualified custodian. Custodians generally charge brokerage commissions and/or transaction fees for effecting certain securities transactions (for example, transaction and redemption fees may be charged for certain mutual fund transactions). These charges will be assessed in accordance with the qualified custodian’s transaction fee/brokerage commission fee schedule. In addition, relative to certain mutual fund and exchange traded fund purchases, certain charges will be imposed at the fund level (e.g. management fees and other fund expenses). You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying. Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me? Additional Information: For more detailed information about our fees and costs related to our management of your account, please see Item 5 in our ADV Part 2A. What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have? When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means: * Certain of our financial professionals are registered representatives of an unaffiliated broker-dealer. In addition, certain of our financial professionals are licensed insurance agents of an affiliated insurance agency. These persons may offer or recommend securities or insurance sales on a commission basis, which presents a conflict of interest, as the offer or recommendation could be made on the basis of compensation to be received. * We may recommend rollovers out of employer-sponsored retirement plans and into Individual Retirement Accounts that we manage for an asset-based fee, which could have the effect of increasing our compensation. How might your conflicts of interest affect me, and how will you address them? Additional Information: For more detailed information about our conflicts of interest, please review our ADV Part 2A. How do your financial professionals make money? Our financial professionals are generally compensated on a salary basis, with a bonus component. Financial professionals compensated on a salary basis receive a base compensation package and will receive additional discretionary bonus compensation based upon overall firm performance and the individual job performance of the financial professional. You should discuss your financial professional’s compensation directly with your financial professional. Item 4 – Disciplinary History Do you or your financial professionals have legal or disciplinary history? No. We encourage you to visit www.Investor.gov/CRS to research our firm and our financial professionals. Furthermore, we encourage you to ask your financial professional: As a financial professional, do you have any disciplinary history? If so, for what type of conduct? Item 5 – Additional Information Additional information about our firm is available on the SEC’s website at www.adviserinfo.sec.gov. You may contact our Chief Compliance Officer at any time to request a current copy of your ADV Part 2A or our relationship summary. Our Chief Compliance Officer may be reached by phone: (614) 442-3355. Who is my primary contact person? Is he or she a representative of an investment adviser or broker-dealer? Who can I talk to if I have concerns about how this person is treating me? A copy of our Part 2A is available at: https://adviserinfo.sec.gov/firm/brochure/119829  DISCLOSURE BROCHURE (FORM ADV, PART 2A) Item 1 – Cover Page ANTOLINO Wealth Advisors 150 E Broad St. Suite 100 Columbus, OH 43215 P: (614) 442-3355 F: (614) 442-3371 www.antolino.com February 17, 2026 This brochure provides information about the qualifications and business practices of ANTOLINO Wealth Advisors. If you have any questions about the contents of this brochure, please contact us at (614) 442-3355. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. “Registered Investment Advisor” or “registered” does not imply a certain level of skill of training.  Item 2 – Summary of Material Changes Since our most recent Form ADV Part 2A annual amendment filing, dated March 20, 2025, the following material changes have been made: Item 15: • o Custody due to Standing Letter of Authorization. Item 4, Item 5, Item 10 • o Disclose relationship with subadvisor. Page 2 of 25  Item 3 – Table of Contents Item 1 – Cover Page ........................................................................................................................................................... 1 Item 2 – Summary of Material Changes ....................................................................................................................... 2 Item 3 – Table of Contents............................................................................................................................................... 3 Item 4 – Advisory Business ............................................................................................................................................... 4 Item 5 – Fees and Compensation ................................................................................................................................ 8 Item 6 – Performance Based Fees and Side by Side Management ................................................................ 11 Item 7 – Types of Clients ............................................................................................................................................... 11 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ............................................................ 11 Item 9 – Disciplinary Information ................................................................................................................................. 15 Item 10 – Other Financial Industry Activities and Affiliations ............................................................................... 15 Item 11 – Code of Ethics ............................................................................................................................................... 16 Item 12 – Brokerage Practices ..................................................................................................................................... 17 Item 13 – Review of Accounts...................................................................................................................................... 20 Item 14 – Client Referrals and Other Compensation ............................................................................................. 20 Item 15 – Custody ........................................................................................................................................................... 20 Item 16 – Investment Discretion .................................................................................................................................. 20 Item 17 – Voting Client Securities ................................................................................................................................ 21 Item 18 – Financial Information ................................................................................................................................... 21 ADV2B Brochure Page 3 of 25  Item 4 – Advisory Business ANTOLINO Wealth Advisors (“ANTOLINO Wealth Advisors,” “we,” or “us”) and its predecessor organizations have been providing advisory services since 1985. ANTOLINO Wealth Advisors is owned by F7 Company, LLC. Ralph Antolino, Jr. is the managing member of F7 Company, LLC. The UltraVision System® The UltraVision System® is our process designed to empower our clients to make financial decisions with greater levels of confidence. Upon engagement our goal is to deliver to you a: 1. Letter of Intent 2. Math Model 3. Summary Opinion Letter Upon completion of the checklist provided to you, we help you clarify your strategic goals, which we compile into a Letter of Intent. Concurrently we are taking inventory, organizing your current facts and its financial capacities in a Math Model. This includes building a personal balance sheet, running cash flow analysis, financial and investment projections as well as “what-if” analysis. From these items our ideas to help you take action to reach your goals are presented in your Summary Opinion Letter. Upon delivery of your Letter of Intent, Math Model and Summary Opinion Letter, your engagement in The UltraVision System® is complete. If you choose to continue working with us, we then get to work helping you design and implement the idea from the Summary Opinion Letter. Once your new plan is in place, we measure the actual progress of your plan periodically with you and confirm the appropriateness of your previously stated goals. The UltraVision Club℡ At the completion of The UltraVision System® we can help you determine if membership in The UltraVision ClubTM is appropriate. Membership in The UltraVision ClubTM is divided into different tiers, depending on the level and scope of services to be provided: • Club Level A: Highly Proactive – We will personally communicate with you on a predetermined cycle (bi-weekly, monthly etc.). We work interactively with CPAs and attorneys on your behalf to build and test cash flow models, pro-forma income, and estate tax estimates on a regular basis. Club Level A also includes all Club Level B benefits. • Club Level B: Proactive - We personally communicate with you on a regular basis. We also provide ongoing monitoring of The Wealth Management SystemTM, which contains online modules that are interactive between you and our firm. • Level C: Reactive - You are not a member of the Club. You pay no club fee and get no enhancement to your current service level. As a member of Club Level A or Club Level B of The UltraVision ClubᎴ , the following benefits are offered and provided: • Discounted prices on our other services Page 4 of 25  • Events sponsored by our firm • Priority access to our staff • Estate Legal Documents organized secured and stored in our online storage system. • Access to The Wealth Management SystemᎴ – One website for all your personal financial data • Enrollment in Smart Identity, an identity theft protection program • Benefit Analysis to help you make smart choices among your employee benefit options • Social Security benefit statement review As a Club member, we promise to: • Continue to stay up to date, attend industry educational events, learn about trends and tax and legal changes that could affect your situation As a Club member we respectfully ask you to promise to: • Agree to meet with us when we reach out to you in the future • Allow us to be a filter for researching the appropriateness of the many financial ideas you could see or hear as you go through life. Portfolio Management Program℡ We strive to uncover our clients’ unique dreams, goals, ambitions, and risk tolerance. Solutions are tailored to meet your global asset allocation targets. Our strategies use a multi- dimensional asset allocation approach known as The ABC’s of CashflowᎴ . Your portfolio will typically use one or a combination of the following strategies: • Foundational Approach • Strategic Asset Management • Specialty Portfolios Our Investment Advisor Representatives (IAR’s) will work closely with you to gather all information necessary to understand your investment objectives and overall financial picture. Your portfolio strategy will be outlined and communicated with you. An IAR may use any of a variety of systems to determine and implement an appropriate asset allocation. Examples of such systems include our internal Portfolio Management Program models, eMoney, Morningstar and Portfolio Visualizer. We will build a custom tailored portfolio that we believe is appropriate for your risk tolerance profile, time horizon and matches the goals for each account. Once a portfolio is agreed upon, the IAR will periodically review the portfolio. This review will test the original assumptions and query you as to whether or not your risk tolerances and goals have changed, and rebalance the portfolio when appropriate. ANTOLINO Wealt Advisors makes no representation regarding the likelihood or probability that any proposed investing plan will in fact achieve a particular investment goal. ANTOLINO Wealth Advisors is unable to predict or forecast market fluctuation or other uncertainties that may affect the value of any investment. While ANTOLINO Wealth Advisors strives to provide helpful investment guidance, you must carefully consider the appropriateness of the proposed investments considering your own personal financial circumstances, including cash flow needs, tax circumstances or other complex or subjective concerns. You are urged Page 5 of 25  to seek the advice of tax professionals and use all available resources to educate yourself about investing in general, as well as the investments and the overall portfolio composition suggested by ANTOLINO Wealth Advisors. You are free to accept or reject ANTOLINO Wealth Advisors’ recommendations. Pension Consulting Services ANTOLINO Wealth Advisors offers consulting services to pension or other employee benefit plans (including but not limited to 401(k) plans). Pension consulting may include, but is not limited to: identifying investment objectives and restrictions o o providing guidance on various assets classes and investment options o recommending money managers to manage plan assets in ways designed to achieve objectives o monitoring performance of money managers and investment options and making recommendations for changes o recommending other service providers, such as custodians, administrators and broker- dealers These services are based on the goals, objectives, demographics, time horizon, and/or risk tolerance of the plan and its participants. Selection of Other Advisors ANTOLINO Wealth Advisors may direct clients to third-party investment advisers. Before selecting other advisers for clients, ANTOLINO Wealth Advisors will verify that all recommended advisers are properly licensed, notice filed, or exempt in the states where ANTOLINO Wealth Advisors is recommending the adviser to clients. In exercising our discretion in making investment decisions for our clients, we may determine if it is in a client’s best interest to engage subadvisors to implement trades in all or a portion of the client’s account. If ANTOLINO Wealth Advisors determines that engaging a subadvisor is in a client’s best interest, we will provide the client with subadvisor’s relevant disclosure documents, including Form ADV 2A, Privacy policy and any other documents necessary to provide a complete description of subadvisor’s services and fees. Miscellaneous Disclosures Retirement Rollovers: A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If we recommend that a client roll over their retirement plan assets into an account to be managed by our firm, such a recommendation creates a conflict of interest if we will earn a new (or increase its current) compensation as a result of the rollover. No client is under any obligation to rollover retirement plan assets to an account managed by our firm. ERISA / IRC Fiduciary Acknowledgment: When we provide investment advice to a client Page 6 of 25  regarding the client’s retirement plan account or individual retirement account, we do so as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with client interests, so we operate under a special rule that requires us to act in the client’s best interest and not put our interests ahead of the client’s. Under this special rule's provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put its financial interests ahead of the client’s when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in the client’s best interest • Charge no more than is reasonable for our services; and • Give the client basic information about conflicts of interest. Non-Discretionary Service Limitations: Clients that determine to engage us on a non- discretionary investment advisory basis must be willing to accept that we cannot effect any account transactions without obtaining prior consent to such transaction(s) from the client. Thus, in the event that we would like to make a transaction for a client’s account (including in the event of an individual holding or general market correction), and the client is unavailable, we will be unable to effect the account transaction(s) without first obtaining the client’s consent. Periods of Portfolio Inactivity: We have a fiduciary duty to provide services consistent with the client’s best interest. As part of our investment advisory services, we will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, fund manager tenure, style drift, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when we determine that changes to a client’s portfolio are neither necessary nor prudent. Clients nonetheless remain subject to the fees described in Item 5 below during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions we make will be profitable or equal any specific performance level(s). Independent Managers: We may direct a portion of client assets be allocated among unaffiliated independent investment managers. In such situations, the Independent Manager[s] shall have day- to-day responsibility for the active, discretionary management of the allocated assets. We shall continue to render investment advisory services to the client relative to the ongoing monitoring and review of account performance, asset allocation and client investment objectives. The investment management fee charged by the Independent Manager[s] is separate from, and in addition to, our advisory fee as set forth in the fee schedule at Item 5 below. Access to Margin: We do not recommend the use of margin as an investment strategy. Use of margin as an investment strategy comes with a high level of inherent risk. Margin can be used to borrow funds to purchase financial instruments and/or to access liquidity. The effect Page 7 of 25  of purchasing a security using margin is to magnify any gains or losses sustained by the purchase of the financial instruments on margin. Although clients may retain the ability to use margin, we do not use margin for investment purposes and does not recommend such use by clients. Assets Under Management As of 02/03/202, ANTOLINO Wealth Advisors has $818,242,134 in regulatory assets under management on a discretionary basis and $193,963,220 in regulatory assets under management on a non-discretionary basis Item 5 – Fees and Compensation ANTOLINO Wealth Advisors offers advisory services based on prearranged fee structures. Fees can include but are not limited to a percentage of assets, hourly fees, and/or fixed project fees. The UltraVision System® Fees for the UltraVision System® are generally fixed and collected up-front. Fixed fees vary based upon a variety of factors, including income, the client’s unique fact pattern, and the complexity of each project. The agreed upon fee arrangement will be set forth in the client’s services agreement. We typically collect fees for The UltraVision System® via check or credit card. Successful completion of The UltraVision System® requires ongoing communication and coordination with the client. Inattentive or unresponsive clients can impinge our ability to complete our work in a timely manner, in which case we may determine to reevaluate our fee for the agreed upon service. We try to exercise this discretion sparingly, however, if extraordinary effort is required on our part, we may elect to negotiate for a revised fee. Upon completion of the UltraVision System® clients are eligible to enroll in a more proactive ongoing service model – known as the UltraVision Club, the fees for which are discussed below. For those who do not wish to participate in the UltraVision System® in its entirety, ANTOLINO Wealth Advisors does provide certain pieces of the UltraVision System® a la carte. If appropriate, a discussion about the certain module and a corresponding fee for this module will be disclosed to you. Clients can elect to receive services under both the UltraVision System® and our Portfolio Management ProgramTM, for which we may, at our discretion, elect to waive or reduce all or a portion of the fee attributable to The UltraVision System®. If the client terminates our engagement prior to completion of the agreed upon services, we will provide a refund of prepaid fees, prorated based on the amount of time spent on the project through the effective date of termination at a rate of $550 per hour. The engagement otherwise ends at the presentation of a financial plan or a set of financial recommendations we call delivery or graduation. Page 8 of 25  The UltraVision Club℡ Monthly dues vary based on the client’s Club Level and agreed upon in the client’s Club membership agreement. Level C does not incur monthly fees, and fees for this level are based upon the scope and amount of work requested by the Level C participant. All fees for The UltraVision ClubTM are payable by credit card. Monthly fees, to the extent applicable, become due on the first day of each month. Clients may cancel their membership at any time, but no refunds are provided with respect to a membership month for which dues have already become due. Portfolio Management Program℡ Client assets in the Portfolio Management ProgramTM are held with a qualified custodian in a brokerage account, and fees are charged quarterly in advance. The maximum annual fee for the Portfolio Management ProgramTM is 1.50% of assets, which is subject to negotiation and can vary from client to client based on a variety of factors, including the amount of assets to be managed, the IAR assigned to the account, potential future assets, and other factors. These fees include all fees and charges for the portfolio management services of the IAR and ANTOLINO Wealth Advisors. No commissions or transaction fees whatsoever are paid to or retained by the IAR or ANTOLINO Wealth Advisors from this account. A portion of the advisory fee is shared with Kestra Investment Services, LLC for their supervision of ANTOLINO Wealth Advisors. The fee will be payable quarterly in advance. The first payment is due upon execution of the Advisory Agreement and will be assessed pro-rata in the event the Advisory Agreement is executed at any time other than the first day of each calendar quarter. Subsequent payments are due and will be assessed on the first day of each calendar quarter. Asset-based fees are calculated based on the value of the account assets under management as of the close of business on the last business day of the preceding quarter as valued by an independent pricing service, where available, or otherwise in good faith. Asset-based fee calculations include the value of cash and cash equivalent positions, unless otherwise agreed. Clients do not pay additional fees to us by virtue of their participation in the AIP. However, we may consider the costs we incur for clients participating in the AIP if that client has requested a deviation from the standard fee schedules stated above. Any party upon written notice to the others may terminate the Advisory Agreement. If termination occurs prior to the end of a calendar-billing period, a pro-rata refund of unearned fees will be made to the client. Pension Consulting Services Fees The rate for pension consulting services will be documented in the advisory agreement. These fees are negotiable. Pension consulting fees are withdrawn from the client’s accounts with client’s written authorization or may be invoiced and billed directly to the client and clients may select the method in which they are paid. The frequency will be identified in the agreement and may be monthly, quarterly, in advance or in arrears. Selection of Third-Party Advisers / Subadvisors Fees Page 9 of 25  ANTOLINO Wealth Advisors may direct clients to third-party investment advisers. ANTOLINO Wealth Advisors will receive its standard fee on top of the fee paid to the third- party adviser. The notice of termination requirement and payment of fees for third-party investment advisers will depend on the specific third-party adviser selected. Additional Fees and Costs Client investment accounts will be held with one or more qualified custodians / broker- dealers. Broker-dealers generally charge brokerage commissions and/or transaction fees for effecting certain securities transactions. Broker-dealers set their own commission and transaction fee rates, which are subject to change at any time at the discretion of the broker- dealer. Clients are advised to refer to their broker-dealer’s transaction pricing sheet for further details. In addition to our fees and any applicable brokerage commissions and/or transaction fees, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). Compensation for Securities Sales Several officers of ANTOLINO Wealth Advisors are also, in their separate and individual capacities, registered representatives of Kestra Investment Services, LLC (hereafter referred to as Kestra), a FINRA-member broker-dealer, and may receive compensation from Kestra for commission-based securities sales. The brokerage commissions charged by Kestra may be higher or lower than those charged by other broker-dealers. The recommendation that a client purchase a commission product through Kestra presents a conflict of interest, as the receipt of commissions provides an incentive to recommend investment products based on compensation to be received, rather than on a particular client’s need. No client is under any obligation to purchase any commission products from Kestra or our representatives in their capacities as Kestra registered representatives, and clients are free to purchase investment products recommended by our representatives through the broker-dealer or registered representative of their choosing. When our representatives sell an investment product on a commission basis, we do not charge an advisory fee in addition to the commissions paid by the client for such product. For clarification purposes, it is possible during the transition of a client from commission accounts to advisory accounts for a trail commission to be paid. Kestra facilitates the reimbursement of this trail commission to the client’s account when this occurs. It is never our intention to be paid “twice” when setting up a new advisory account. Further, some clients maintain both commission and advisory level accounts to best implement their desired strategy. In those cases, those members of our firm who are registered representatives of Kestra may be compensated by commissions in the commission accounts, and our firm and advisers may be compensated by advisory fees in the advisory accounts. It can also occur that a particular investment (529 Plan, Annuity, Page 10 of 25  Insurance, and Alternative Investments) is only available in a commission format. In these rare cases, we will not charge an advisory fee on that investment. We do not receive more than 50% of our revenue from advisory clients as a result of commissions or other compensation for the sale of investment products we recommend to clients. Item 6 – Performance Based Fees and Side by Side Management Our firm does not request or accept performance-based fees. Item 7 – Types of Clients ANTOLINO Wealth Advisors provides services to individuals, families, pension and profit- sharing plans, trusts, estates, non-profit organizations, and corporations or business entities. We do not currently require a minimum asset level or minimum annual fee for our services. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss Our Investment Approach typically falls into one of 3 strategies: Foundational Approach: investments. Asset class segmentation takes • This strategy contains diversified portfolios which are suitable for a range of client risk tolerances. The objective is to maximize the after-tax return given the amount of risk that is suitable for the client. This is accomplished by selecting an optimal combination of asset classes for each portfolio and selecting best-in-class securities to represent each class. Asset class segmentation may include but are not limited to Large Cap, Small Cap, International, Emerging Markets, Investment Grade Bonds, High Yields Bonds, and Alternative into consideration how it affects the efficiency of the entire portfolio. This strategy may use, but not required to use any of the following to meet the portfolio objective: mutual funds, exchange traded funds (ETFs), individual stocks, bonds, private equity, private credit, real estate investments, and certain complex products such as buffered ETFs. • Three main foundational models are offered. Each model contains portfolios that range from aggressive to conservative to align with each client’s risk profile. Each portfolio’s objective is to maximum the after-tax return with the least amount of risk for each portfolio: o Foundational Core Model – These portfolios are concerned with the total return and do not have any investment restrictions. This core model will invest in both actively and passively managed funds and will not put an emphasis on income (dividends and interest generated from positions) unless it boosts the total return efficiency of its respective portfolio. o Foundational Income Model –. These portfolios have an added emphasis of focusing on income (dividends & interest generated from the positions). This model will invest in both actively and passively managed funds but is willing to sacrifice some total return efficiency in exchange for a higher income yield. o Foundational Passive Model – These portfolios are concerned with the total return of each portfolio without an emphasis on income. There is an investment constraint of only using only passively managed, low-cost funds. Page 11 of 25  Strategic Asset Management: • This is a defensive investment strategy rooted in technical analysis. We closely track various market and economic indicators, short and long-term trend lines, volatility, and other factors to increase or decrease market exposure. These portfolios are composed of exchange traded funds (ETFs), low-cost mutual funds, and complex products such as buffered ETFs. The objective of this strategy is to capture the opportunity provided in the equity and bond markets, while aiming to protect your portfolio from major market drawdowns. The core positions typically track closely to the S&P 500 with additional diversification. This strategy offers a range of model portfolios to customize the portfolio to your specific risk tolerance. Specialty Portfolios • These portfolios are typically used when a more traditional model portfolio doesn’t suit client’s needs, or desires for one or more accounts. Common examples of these portfolios include: o GP Stock Portfolio – These portfolio’s equity positions consist of approximately 25 U.S. Large Cap, individual dividend paying stocks. This is a buy-and-hold strategy with minimal turnover. o Antolino Top 10 Stock Portfolio (ATT) – This is a portfolio of 10 dividend paying stocks that must meet strict criteria to qualify for the portfolio. Examples of these criteria include a certain dividend yield, dividend growth rate, P/E ratios, and meet certain third-party rating standards. o Separately Managed Accounts (SMA’s) - These portfolios allow you to essentially own all the individual securities within a mutual fund while offering customization, control, and tax efficiency not available by owning a public fund. These accounts typically require a minimum of at least $100,000. o Buffered Exchange Traded Funds - These funds track an index (i.e. S&P 500) and use embedded options to create a buffer of downside protection over a certain period (typically one year). This is a “cap and cushion” strategy that will have performance like its underlying index but with guardrails. o Customized Bond Portfolios - We use a combination of Investment Grade corporate bonds, Muni bonds, treasuries, CDs, and money market funds to build a ladder that aligns with your specific cashflow needs or conservative risks. These are typically created for buffer accounts. ANTOLINO Wealth Advisors’ security analysis methods include fundamental, technical, and hypothetical illustration software prepared by the mutual fund companies to show what an investment would have grown to if the client had invested the money at various times in the past. The main source of information that ANTOLINO Wealth Advisors uses includes Morningstar databases, Charles Schwab research, research materials prepared by others, corporate rating services, annual reports, prospectuses, filings with the Securities and Exchange Commission and financial periodicals and articles to evaluate your current portfolio and compare that to the recommended portfolio to show how ANTOLINO Wealth Advisors can add value. Members of the firm regularly attend educational seminars and conduct numerous Page 12 of 25  due diligence trips to both evaluate and build relationships with providers of various financial products and services. The investment strategies used to implement any investment advice given to you include long-term purchases (securities held at least 3 years), short-term purchase (securities sold within 3 years), short sales, margin transactions and option writing, including covered options, uncovered options or spreading strategies. Investing in securities involves the risk of loss and clients should be prepared to bear that loss. Below is a summary of some of the material risks associated with investments: • Interest-rate Risk: Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. • Market Risk: The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk may be caused by external factors independent of the fund’s specific investments as well as due to the fund’s specific investments. Additionally, each security’s price will fluctuate based on market movement and emotion, which may, or may not be due to the security’s operations or changes in its true value. For example, political, economic, and social conditions may trigger market events which are temporarily negative, or temporarily positive. • Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as a dollar next year, because purchasing power is eroding at the rate of inflation. • Reinvestment Risk: This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e., interest rate). This primarily relates to fixed income securities. • Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. • Market Risk (Systematic Risk): Even a long-term investment approach cannot guarantee a profit. Economic, political, and issuer-specific events will cause the value of securities to rise or fall. Because the value of your portfolio will fluctuate, there is a risk that you will lose money. • Unsystematic Risk: Unsystematic risk is the company-specific or industry-specific risk in a portfolio. The combination of systematic (market risk) and unsystematic risk is defined as the portfolio risk that the investor bears. While the investor can do little to reduce systematic risk, he or she can affect unsystematic risk. Unsystematic risk may be significantly reduced through diversification. However, even a portfolio of well- diversified assets cannot escape all risk. • Credit Risk: Credit risk is the risk that the issuer of a security may be unable to make interest payments and/or repay principal when due. A downgrade to an issuer’s Page 13 of 25  credit rating or a perceived change in an issuer’s financial strength may affect a security’s value, and thus, impact performance. Credit risk is greater for fixed income securities with ratings below investment grade (BB or below by Standard & Poor’s Rating Group or Ba or below by Moody’s Investors Service, Inc.). Fixed income securities that are below investment grade involve higher credit risk and are considered speculative. • Income Risk: Income risk is the risk that falling interest rates will cause the investment’s income to decline. • Call Risk: Call risk is the risk that during periods of falling interest rates, a bond issuer will call or repay a higher-yielding bond before its maturity date, forcing the investment to reinvest in bonds with lower interest rates than the original obligations. • Purchasing Power Risk: Purchasing power risk is the risk that your investment’s value will decline as the price of goods rises (inflation). The investment’s value itself does not decline, but its relative value does, which is the same thing. Inflation can happen for a variety of complex reasons, including a growing economy and a rising money supply. Rising inflation means that if you have $1,000 and inflation rises 5 percent in a year, your $1,000 has lost 5 percent of its value, as it cannot buy what it could buy a year previous. • Political Risks: Most investments have a global component, even domestic stocks. Political events anywhere in the world may have unforeseen consequences to markets around the world. • Regulatory Risk: Changes in laws and regulations from any government can change the market value of companies subject to such regulations. Certain industries are more susceptible to government regulation. Changes in zoning, tax structure or laws impact the return on these investments. • Risks Related to Investment Term: Securities do not follow a straight line up in value. All securities will have periods of time when the current price of the security is not what we believe it is truly worth. If you require us to liquidate your portfolio during one of these periods, you will not realize as much value as you would have had the investment had the opportunity to regain its value. An investment in a mutual fund or ETF involves risk, including the loss of principal. Mutual fund and ETF shareholders are necessarily subject to the risks stemming from the individual issuers of the fund’s underlying portfolio securities. Such shareholders are also liable for taxes on any fund- level capital gains, as ETFs and mutual funds are required by law to distribute capital gains in the event, they sell securities for a profit that cannot be offset by a corresponding loss. As such, a mutual fund or ETF client or investor may incur substantial tax liabilities even when the fund underperforms. Shares of mutual funds are distributed and redeemed on an ongoing basis by the fund itself or a broker acting on its behalf. The trading price at which a share is transacted is equal to a fund’s stated daily per share net asset value (“NAV”), plus any shareholders fees (e.g., sales loads, purchase fees, redemption fees). The per-share NAV of a mutual fund is calculated at the end of each business day, although the actual NAV fluctuates with intraday changes in the Page 14 of 25  market value of the fund’s holdings. The trading prices of a mutual fund’s shares can differ significantly from the NAV during periods of market volatility, which may, among other factors, lead to the mutual fund’s shares trading at a premium or discount to NAV. Shares of ETFs are listed on securities exchanges and transacted at negotiated prices in the secondary market. Generally, ETF shares trade at or near their most recent NAV, which is generally calculated at least once daily for indexed-based ETFs and more frequently for actively managed ETFs. However, certain inefficiencies can cause the shares to trade at a premium or discount to their pro-rata NAV. There is also no guarantee that an active secondary market for such shares will develop or continue to exist. While clients and investors may be able to sell their ETF shares on an exchange, ETFs generally only redeems shares directly from shareholders when aggregated as creation units (usually 50,000 shares or more). Therefore, if a liquid secondary market ceases to exist for shares of a particular ETF, a shareholder may have no way to dispose of such shares. Item 9 – Disciplinary Information There are no disciplinary events that are material to a client’s or a prospective client’s evaluation of our advisory business or the integrity of our management. Item 10 – Other Financial Industry Activities and Affiliations Some or all of the above employees of ANTOLINO Wealth Advisors are licensed as insurance agents and routinely give advice regarding life, health, disability, property and casualty, group life and health. These individuals spend approximately 15% of their time counseling people about these types of products and do sell insurance products related to the advice listed above. Some or all of the employees of ANTOLINO Wealth Advisors are licensed insurance agents. This activity creates a conflict of interest since there is an incentive to recommend insurance products based on commissions or other benefits received from the insurance company, rather than on the client’s needs. Additionally, the offer and sale of insurance products by supervised persons of ANTOLINO Wealth Advisors are not made in their capacity as a fiduciary, and products are limited to only those offered by certain insurance providers. ANTOLINO Wealth Advisors addresses this conflict of interest by requiring its supervised persons to act in the best interest of the client at all times, including when acting as an insurance agent. ANTOLINO Wealth Advisors periodically reviews recommendations by its supervised persons to assess whether they are based on an objective evaluation of each client’s risk profile and investment objectives rather than on the receipt of any commissions or other benefits. ANTOLINO Wealth Advisors will disclose in advance how it or its supervised persons are compensated and will disclose conflicts of interest involving any advice or service provided. At no time will there be tying between business practices and/or services (a condition where a client or prospective client would be required to accept one product or service conditioned upon the selection of a second, distinctive tied product or service). No client is ever under any obligation to purchase any insurance product. Insurance products recommended by ANTOLINO Wealth Advisor’s supervised persons may also be available from other providers on more favorable terms, and clients can purchase insurance products recommended through other unaffiliated insurance agencies. Page 15 of 25  Ralph Antolino, Jr., a principal of ANTOLINO Wealth Advisors, is licensed to practice law in the State of Ohio. As an attorney, he is ethically bound to not solicit clients of ANTOLINO Wealth Advisors for legal business. If Ralph Antolino, Jr., or any other member of ANTOLINO Wealth Advisors recommends legal work to you, you are not under any obligation to have such work done by Ralph Antolino, Jr., nor is Ralph Antolino, Jr. under any obligation to perform any such recommended legal work. Ralph Antolino, Jr. will only perform legal work for you when and if you solicit Ralph Antolino, Jr. and provided that Ralph Antolino, Jr. agrees to perform the requested legal work. Ralph Antolino, Jr. estimates that he spends 5% of his time engaged in the practice of law. To the extent legal services are provided, separate and additional compensation for such legal services would be assessed and paid to Ralph Antolino, Jr., in his separate capacity as a licensed attorney. This compensation creates a conflict exists between ANTOLINO Wealth Advisors’ interests and those of its advisory clients. ANTOLINO Wealth Advisors addresses this conflict of interest by requiring its Ralph Antolino, Jr. to act in the best interest of the client at all times, including when acting as an attorney. Certain principals and associated persons of ANTOLINO Wealth Advisors are, in their separate and individual capacities, registered representatives of Kestra Investment Services, LLC, a FINRA- member broker-dealer. These registered representatives may recommend securities or insurance products offered by Kestra or its affiliates. If you purchase these products through principals and associated persons of ANTOLINO Wealth Advisors, normal commission compensation will be received. This compensation creates a conflict between the interests of the registered representatives and those of our clients. ANTOLINO Wealth Advisors will always act in the best interest of the client, including with respect to the sale of commissionable products to advisory clients. You are under no obligation to purchase commission-based securities or insurance products through registered representatives associated with ANTOLINO Wealth Advisors or through Kestra. AA may direct clients to third-party investment advisers. Clients will pay ANTOLINO Wealth Advisors its standard fee in addition to the standard fee for the advisers to which it directs those clients. The fees will not exceed any limit imposed by any regulatory agency. ANTOLINO Wealth Advisors will always act in the best interests of the client, including when determining which third-party investment adviser to recommend to clients. ANTOLINO Wealth Advisors will ensure that all recommended advisers are exempt, licensed or notice filed in the states in which ANTOLINO Wealth Advisors is recommending them to clients. ANTOLINO Wealth Advisors may direct clients to third-party investment advisers. Clients will pay ANTOLINO Wealth Advisors its standard fee in addition to the standard fee for the advisers to which it directs those clients. The fees will not exceed any limit imposed by any regulatory agency. ANTOLINO Wealth Advisors will always act in the best interests of the client, including when determining which third-party investment adviser to recommend to clients. ANTOLINO Wealth Advisors will ensure that all recommended advisers are exempt, licensed or have filed notices in the states in which ANTOLINO Wealth Advisors is recommending them to clients. Page 16 of 25  Item 11 – Code of Ethics ANTOLINO Wealth Advisors maintains an investment policy relative to personal securities transactions. This investment policy is part of our overall Code of Ethics, which serves to establish a standard of business conduct for all of ANTOLINO Wealth Advisors’ representatives that is based upon fundamental principles of openness, integrity, honesty and trust, a copy of which is available upon request. In accordance with Section 204A of the Investment Advisers Act of 1940, and applicable state law equivalents, we also maintain and enforce written policies reasonably designed to prevent the misuse of material non-public information by our firm or any person associated with it. Neither ANTOLINO Wealth Advisors nor any related person of ANTOLINO Wealth Advisors recommends, buys, or sells for client accounts, securities in which the firm or any related person has a material financial interest. ANTOLINO Wealth Advisors and/or its representatives may buy or sell securities that are also recommended to clients. This practice may create a situation where ANTOLINO Wealth Advisors and/or its representatives are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a conflict of interest. Practices such as “scalping” (i.e., a practice whereby the owner of shares of a security recommends that security for investment and then immediately sells it at a profit upon the rise in the market price which follows the recommendation) could take place if we did not have adequate policies in place to detect such activities. In addition, this requirement can help detect insider trading, “front-running” (i.e., personal trades executed prior to those of the firm’s clients) and other potentially abusive practices. ANTOLINO Wealth Advisors has a personal securities transaction policy in place to monitor the personal securities transactions and securities holdings of each of its “Access Persons”. This securities transaction policy requires that an Access Person provide the Chief Compliance Officer or his/her designee with a written report of their current securities holdings within ten (10) days after becoming an Access Person. Additionally, each Access Person must provide the Chief Compliance Officer or his/her designee with a written report of the Access Person’s current securities holdings at least once each twelve (12) month period thereafter on a date ANTOLINO Wealth Advisors selects; provided, however that at any time that ANTOLINO Wealth Advisors has only one Access Person, he or she shall not be required to submit any securities report described above. ANTOLINO Wealth Advisors will always document any transactions that could be construed as conflicts of interest and will never engage in trading that operates to the client’s disadvantage when similar securities are being bought or sold. ANTOLINO Wealth Advisors and/or its representatives may buy or sell securities, at or around the same time as those securities are recommended to clients. This practice creates a situation where ANTOLINO Wealth Advisors and/or its representatives are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a conflict of interest. As indicated above, ANTOLINO Wealth Advisors has a personal securities transaction policy in place to monitor the personal securities transaction and securities holdings of each of its Access Persons. ANTOLINO Wealth Advisors will never engage in trading that operates to the client’s disadvantage when similar securities are being Page 17 of 25  bought or sold. Item 12 – Brokerage Practices Neither ANTOLINO Wealth Advisors nor any related person has the authority to determine, without obtaining specific consent from you, the broker or dealer or custodian to be used to execute orders for your account, or the commission rates paid by you for account transactions. We may recommend certain custodians, including Charles Schwab, BNY Mellon, Capital Bank and Trust, Jefferson National, Blackrock, ADP, Ascensus, John Hancock and/or Kestra NFS (collectively, the “Custodians”). If a client chooses to open an advisory account through Charles Schwab, Charles Schwab is the clearing firm and custodian. If a client chooses to open an advisory account through Mellon, BNY Mellon is the clearing firm and custodian. If a client chooses to open an advisory account through American Funds, Capital Bank and Trust is the clearing firm and custodian. If a client chooses to open an advisory account through Kestra, NFS, LLC is the clearing firm and custodian. Factors that we consider in recommending one or more of the Custodians (or any other broker- dealer/custodian) include historical relationship with ANTOLINO Wealth Advisors, financial strength, reputation, execution capabilities, pricing, research, and service. Although the commissions and/or transaction fees paid by our clients shall comply with our duty to seek best execution, a client may pay a commission that is higher than another qualified broker-dealer might charge to effect the same transaction where we determine, in good faith, that the commission/transaction fee is reasonable. In seeking best execution, the determinative factor is not the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of a broker-dealer’s services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although ANTOLINO Wealth Advisors will seek competitive rates, it may not necessarily obtain the lowest possible commission rates for client account transactions. The brokerage commissions or transaction fees charged by the designated broker-dealer/custodian are exclusive of, and in addition to, our investment advisory fee. ANTOLINO Wealth Advisors receive from one or more of the Custodians (or another broker- dealer/custodian, investment manager, platform or fund sponsor, or vendor) without cost (and/or at a discount) non-soft dollar benefits, certain of which assist ANTOLINO Wealth Advisors to better monitor and service client accounts maintained at such institutions. Included within the non-soft dollar benefits that may be obtained are investment-related research, pricing information and market data, software and other technology that provide access to client account data, compliance and/or practice management-related publications, waived or reduced fees for consulting services, waived or reduced fees for attendance at conferences, meetings, and other educational and/or social events, marketing support-including client events, computer hardware and/or software and/or other products used by ANTOLINO Wealth Advisors in furtherance of its investment advisory business operations. Certain of the above benefits assist ANTOLINO Wealth Advisors in managing and Page 18 of 25  administering client accounts. Others do not directly provide such assistance, but rather assist ANTOLINO Wealth Advisors to manage and further develop its business enterprise. Our clients do not pay more for investment transactions effected and/or assets maintained at the Custodians as a result of these arrangements. There is no corresponding commitment made by ANTOLINO Wealth Advisors to the Custodians, or any other any entity, to invest any specific amount or percentage of client assets in any specific mutual funds, securities, or other investment products as result of the above arrangement. ANTOLINO Wealth Advisors does not receive any “soft dollar benefits” from a broker-dealer or 3rdparty in connection with client securities transactions. ANTOLINO Wealth Advisors does not receive referrals from any broker-dealer, including the Custodians. ANTOLINO Wealth Advisors does not generally accept directed brokerage arrangements (when a client requires that account transactions be effected through a specific broker- dealer). In such client directed arrangements, the client will negotiate terms and arrangements for their account with that broker-dealer, and ANTOLINO Wealth Advisors will not seek better execution services or prices from other broker-dealers or be able to “batch” the client's transactions for execution through other broker-dealers with orders for other accounts managed by ANTOLINO Wealth Advisors. As a result, client may pay higher commissions or other transaction costs or greater spreads, or receive less favorable net prices, on transactions for the account than would otherwise be the case. In the event that the client directs ANTOLINO Wealth Advisors to effect securities transactions for the client's accounts through a specific broker-dealer, the client acknowledges that such direction may cause the accounts to incur higher commissions or transaction costs than the accounts would otherwise incur had the client determined to effect account transactions through alternative clearing arrangements that may be available. Higher fees adversely affect account performance. Transactions for directed accounts will generally be executed following the execution of portfolio transactions for non-directed accounts. ANTOLINO Wealth Advisors does not aggregate the purchase or sale of securities for various client accounts because every client account is unique, and it is impossible to reasonably aggregate their specific transactions into one group trade. Brokerage Practices Under AIP Client accounts enrolled in the AIP are maintained at, and receive the brokerage services of, Schwab, a broker-dealer registered with the SEC and a FINRA/SIPC member. While clients are required to use CS&Co. as custodian/broker to enroll in the AIP, the client decides whether to do so and opens its account with Schwab by entering into a brokerage account agreement directly with Schwab. We do not open the account for the client. If the client does not wish to place his or her assets with CS&Co., then we cannot manage the client’s account through the AIP. Schwab may aggregate purchase and sale orders for ETFs across accounts enrolled in the AIP, including both accounts for our clients and accounts for clients of other independent investment advisory firms using the Platform. As described above under Item 4, we do not pay SPT fees for the Platform so long as we maintain $100 Million in client assets in accounts at Schwab that are not enrolled in the AIP. In light of Page 19 of 25  our arrangements with Schwab, we may have an incentive to recommend that clients maintain their accounts with CS&Co. based on its interest in receiving Schwab’s services that benefit its business rather than based on the client’s interest in receiving the best value in custody services and the most favorable execution of transactions. This presents a conflict of interest. When making such a recommendation, however, we believe that our recommendation of Schwab as custodian and broker is in the best interests of its clients. It is primarily supported by the scope, quality, and price of Schwab’s services and not Schwab’s services that benefit only our firm. Item 13 – Review of Accounts Reviews ANTOLINO Wealth Advisors conducts reviews periodically. A yearly review is typical, but one is also done when you notify ANTOLINO Wealth Advisors of substantial changes in your situation. Different levels of reviews are a function of the nature of the request made by you. Factors that trigger a review are written or oral request from you. ANTOLINO Wealth Advisors has advisors and planners available to perform reviews. The purpose of the reviews are to help you establish and commit to writing financial goals and objectives. Reports For investment supervisory clients, a quarterly statement is mailed to the client that gives the account value and what securities are held in the account. This statement is mailed by the custodian of the assets and does not come from ANTOLINO Wealth Advisors’ office. All other clients are offered periodic updates of their portfolios, charged at the standard rates. The periods will be monthly, quarterly, or annually depending on the complexity of the client’s portfolio and their personal preferences. Item 14 – Client Referrals and Other Compensation As discussed in Item 12 above, ANTOLINO Wealth Advisors can receive non-soft dollar benefits from the Custodians it recommends to clients. ANTOLINO Wealth Advisors does not otherwise receive compensation from non-clients for providing investment advice to our clients. ANTOLINO Wealth Advisors does not compensate non-advisory personnel (solicitors) for client referrals. Item 15 – Custody ANTOLINO Wealth Advisors has custody of client funds or securities to the extent that we have the ability to directly deduct fees from client accounts. Clients will receive at least quarterly statements from the custodians of their funds or securities directly. Clients should carefully review those statements. ANTOLINO Wealth Advisors does not produce official account statements that should Page 20 of 25  be relied on as a proxy or replacement for your Custodian’s statement. Custody is also disclosed in Form ADV because ANTOLINO Wealth Advisors has authority to transfer money from client account(s), which constitutes a standing letter of authorization (SLOA). Accordingly, ANTOLINO Wealth Advisors will follow the safeguards specified by the SEC rather than undergo an annual audit. Item 16 – Investment Discretion The client can determine to engage ANTOLINO Wealth Advisors to provide discretionary investment advisory services. “Discretion” allows ANTOLINO Wealth Advisors to engage in securities transactions on behalf of a client without first the client’s prior approval. In discretionary engagements, the client will be required to name ANTOLINO Wealth Advisors as the client’s limited attorney and agent in fact, granting ANTOLINO Wealth Advisors authority to buy, sell, or otherwise effect investment transactions in the client’s name. Clients who engage ANTOLINO Wealth Advisors on a discretionary basis may, at any time, impose restrictions, in writing, on the firm’s discretionary authority (e.g., limit the types/amounts of particular securities or asset classes purchased for their account, exclude the ability to purchase securities with an inverse relationship to the market, limit or proscribe the use of margin, etc.). Item 17 – Voting Client Securities ANTOLINO Wealth Advisors does not accept authority to vote client securities. With respect to the AIP, clients are required to submit an Issuer Communication and Release Information Form, or similarly named form, to be certain that they receive proxies and corporate actions directly from the issuer of securities. Item 18 – Financial Information ANTOLINO Wealth Advisors does not have custody of client funds or securities or require prepayment of more than $1200 in fees per client six or more months in advance. In addition, ANTOLINO Wealth Advisors has never been the subject of a bankruptcy petition, nor does ANTOLINO Wealth Advisors have a financial condition that is reasonably likely to impair its ability to meet its contractual commitments to clients. Page 21 of 25  Item 1: Cover Page ANTOLINO Wealth Advisors 150 E Broad St. Suite 100 Columbus, OH 43215 P: (614) 442-3355 www.antolino.com Form ADV Part 2B – Brochure Supplement for Ralph Antolino Jr. Christian M. Hertl Maureen E. Armstrong Brandon M. Boychuk Nicholas R. Bowden Jason R. Witt Axel Agami Contreras Ian M. Erdman Douglas W. Finley Amber Braatz Investment Adviser Representatives February 17, 2026 This brochure supplement provides information about Ralph Antolino Jr., Christian M. Hertl, Maureen E. Armstrong, Brandon M. Boychuk, Nicholas R. Bowden, Jason R. Witt, and Greg S. Palmer that supplements the ANTOLINO Wealth Advisors (“ANTOLINO Wealth Advisors “) brochure. You should have received a copy of that brochure. Please contact Christian M. Hertl or Maureen E. Armstrong if you did not receive the ANTOLINO Wealth Advisors brochure or if you have any questions about the contents of this supplement. (CRD #5443464) is also available on Additional information about Ralph Antolino Jr. (CRD #1007885), Christian M. Hertl (CRD #4914511), Maureen E. Armstrong (CRD #1911853), and Brandon M. Boychuk (CRD #6530494), Nicholas R. Bowden (CRD #6866023), Jason R. Witt (CRD #7087053), and Greg S. Palmer the SEC’s website at www.adviserinfo.sec.gov.  Item 2: Educational Background and Business Experience Ralph Antolino Jr. 1955 Name: Born: Education Background and Professional Designations: Ralph Antolino, Jr., JD, ChFC, CLU, born November 12, 1955, has over thirty-five years of professional experience in the financial consulting business, and has been President of Antolino & Associates since 1983. Ralph graduated (’77) from The Ohio State University with honors and went on to graduate (’80) from Capital University Law School with an emphasis in Business and Tax Planning. Ralph has obtained the Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations. Please refer to the Description of Professional Designations at the end of this Brochure Supplement for more information about those designations. Ralph’s organizational memberships include lifetime member of the Million Dollar Round Table and its leadership board The Top of the Table, and past president of the International Forum, an invitation-only organization representing advisors in the financial industry. Ralph has been a speaker for continuing education on topics like estate planning, tax planning and business succession planning. Item 3: Disciplinary Information None Item 4: Other Business Activities Antolino & Associates is a business run side by side with Antolino Wealth Advisors. It involves financial and estate planning, as well as selling the following types of insurance: Life/Accident/Health, Disability, Property/Casualty, Annuities, and Long-Term Care. Mr. Antolino is a licensed insurance agent affiliated with Antolino & Associates who sells insurance products on a commission basis in that separate and individual capacity. Mr. Antolino is also a registered representative of Kestra Investment Services, LLC a FINRA member broker- dealer (“Kestra”), in which separate and individual capacity he sells securities products on a commission basis. The recommendation by Mr. Antolino or any of his affiliates that a client purchase a securities or insurance commission product through him presents a conflict of interest, because the receipt of commissions or other compensation may provide an incentive to recommend insurance or securities products based on commissions or other compensation to be received, rather than on a particular client’s need. Clients are not obligated to purchase any securities or insurance commission products from Mr. Antolino. Clients may purchase insurance and securities products recommended by Mr. Antolino or Antolino & Associates through other, non-affiliated insurance agents and registered representatives. Item 5: Additional Compensation As an indirect owner of Antolino Wealth Advisors, Mr. Antolino’s compensation is partially contingent on the number of clients he and other representatives refer to ANTOLINO Wealth Advisors, the performance of client accounts, and the addition of investment assets to current client accounts.  Item 6: Supervision ANTOLINO Wealth Advisors provides investment advisory and supervisory services in accordance with current state regulatory requirements. ANTOLINO Wealth Advisors’ Chief Compliance Officer, Ralph Antolino, is primarily responsible for overseeing the activities of ANTOLINO Wealth Advisors’ supervised persons. Please contact Mr. Antolino at (614) 442- 3355 any questions about ANTOLINO Wealth Advisors’ supervision or compliance practices. Mr. Antolino is supervised by his team of assistants Maureen Armstrong, Christian Hertl, Jesse Wohl, and Ann Mongelluzzo. Item 7: Requirements For State Registered Advisers Mr. Antolino has never been involved in an arbitration proceeding or a civil, self- regulatory, or administrative proceeding. Mr. Antolino has never been the subject of a bankruptcy petition.  Item 2: Educational Background and Business Experience Christian M Hertl 1979 Name: Born: Education Background and Professional Designations: Christian M Hertl, CFP®, born September 14, 1979, graduated from The Ohio State University in 2003 with a Bachelor’s Degree in Finance. He has been working in the financial consulting industry since 2004 and has been a Partner at Antolino & Associates since 2013. Christian has passed the Series 7, General Securities Representative exam, and the Series 24 General Securities Principal exam. He has also earned his Ohio Insurance License, as well as being a CERTIFIED FINANCIAL PLANNER. Please refer to the Description of Professional Designations at the end of this Brochure Supplement for more information about that designation. Item 3: Disciplinary Information None Item 4: Other Business Activities Antolino & Associates is a business run side by side with ANTOLINO Wealth Advisors. It involves financial and estate planning, as well as selling the following types of insurance: Life/Accident/Health, Disability, Property/Casualty, Annuities, and Long-Term Care. Mr. Hertl is a licensed insurance agent affiliated with Antolino & Associates who sells insurance products on a commission basis in that separate and individual capacity. Mr. Hertl is also a registered representative of Kestra Investment Services, LLC a FINRA member broker-dealer (“Kestra”), in which separate and individual capacity he sells securities products on a commission basis. The recommendation by Mr. Hertl or any of his affiliates that a client purchase a securities or insurance commission product through him presents a conflict of interest, because the receipt of commissions or other compensation may provide an incentive to recommend insurance or securities products based on commissions or other compensation to be received, rather than on a particular client’s need. Clients are not obligated to purchase any securities or insurance commission products from Mr. Hertl. Clients may purchase insurance and securities products recommended by Mr. Hertl or Antolino & Associates through other, non-affiliated insurance agents and registered representatives. Item 5: Additional Compensation None  Item 6: Supervision ANTOLINO Wealth Advisors provides investment advisory and supervisory services in accordance with current state regulatory requirements. ANTOLINO Wealth Advisors’ Chief Compliance Officer, Ralph Antolino, is primarily responsible for overseeing the activities of ANTOLINO Wealth Advisors’ supervised persons. Please contact Mr. Antolino at (614) 442- 3355 any questions about ANTOLINO Wealth Advisors’ supervision or compliance practices. Item 7: Requirements For State Registered Advisers Mr. Hertl has never been involved in an arbitration proceeding or a civil, self-regulatory, or administrative proceeding. Mr. Hertl has never been the subject of a bankruptcy petition.  1966 Item 2: Educational Background and Business Experience Name: Maureen E Armstrong Born: Education Background and Professional Designations: Maureen E Armstrong, CFP®, born June 14, 1966, graduated from The Ohio State University in 1988 with a Bachelor’s Degree in Finance. Maureen has been working in financial consulting industry since 1987 and has been a Partner at Antolino & Associates since 2013. She is a member of the Association of Advanced Life Underwriting as well as being a CERTIFIED FINANCIAL PLANNER since 1992. Please refer to the Description of Professional Designations at the end of this Brochure Supplement for more information about that designation. Item 3: Disciplinary Information None Item 4: Other Business Activities Antolino & Associates is a business run side by side with ANTOLINO Wealth Advisors. It involves financial and estate planning, as well as selling the following types of insurance: Life/Accident/Health, Disability, Property/Casualty, Annuities, and Long-Term Care. Ms. Armstrong is a licensed insurance agent affiliated with Antolino & Associates who sells insurance products on a commission basis in that separate and individual capacity. The recommendation by Ms. Armstrong or any of her affiliates that a client purchase an insurance commission product through her presents a conflict of interest, because the receipt of commissions or other compensation may provide an incentive to recommend insurance products based on commissions or other compensation to be received, rather than on a particular client’s need. Clients are not obligated to purchase any insurance commission products from Ms. Armstrong. Clients may purchase insurance products recommended by Ms. Armstrong or Antolino & Associates through other, non-affiliated insurance agents. Ms. Armstrong is also a registered representative of Kestra Investment Services, LLC a FINRA member broker-dealer (“Kestra”). Ms. Armstrong is not a producing representative for Kestra and, as such, it is not expected that this role will present conflicts of interest for clients of Antolino & Associates. Should a conflict of interest arise, full and fair disclosure will be made to the relevant client.  Item 5: Additional Compensation No compensation to disclose. Item 6: Supervision ANTOLINO Wealth Advisors provides investment advisory and supervisory services in accordance with current state regulatory requirements. ANTOLINO Wealth Advisors’ Chief Compliance Officer, Ralph Antolino, is primarily responsible for overseeing the activities of ANTOLINO Wealth Advisors’ supervised persons. Please contact Mr. Antolino at (614) 442- 3355 any questions about ANTOLINO Wealth Advisors’ supervision or compliance practices. Item 7: Requirements for State Registered Advisers Ms. Armstrong has never been involved in an arbitration proceeding or a civil, self- regulatory, or administrative proceeding. Ms. Armstrong has never been the subject of a bankruptcy petition.  Item 2: Educational Background and Business Experience Brandon M. Boychuk 1991 Name: Born: Education Background and Professional Designations: Brandon M. Boychuk, CFP®, ChFC born July 24, 1991, graduated from John Carroll University in 2013 with a Bachelor of Science in Economics. He has been working in the financial consulting industry since 2013. Brandon has been an Investment Adviser Representative with ANTOLINO Wealth Advisors since February 2020. Before that he was a Financial Advisor with Bank of America, NA / Merrill Lynch, and was a Wealth Management Associate with Antolino & Associates before that. Please refer to the Description of Professional Designations at the end of this Brochure Supplement for more information about that designation. Item 3: Disciplinary Information None Item 4: Other Business Activities Antolino & Associates is a business run side by side with ANTOLINO Wealth Advisors. It involves financial and estate planning, as well as selling the following types of insurance: Life/Accident/Health, Disability, Property/Casualty, Annuities, and Long-Term Care. Mr. Boychuk is a licensed insurance agent affiliated with Antolino & Associates who sells insurance products on a commission basis in that separate and individual capacity. The recommendation by Mr. Boychuk or any of his affiliates that a client purchase an insurance commission product through him presents a conflict of interest, because the receipt of commissions or other compensation may provide an incentive to recommend insurance products based on commissions or other compensation to be received, rather than on a particular client’s need. Clients are not obligated to purchase any insurance commission products from Mr. Boychuk. Clients may purchase insurance products recommended by Mr. Boychuk or Antolino & Associates through other, non-affiliated insurance agents. Mr. Boychuk is also a registered representative of Kestra Investment Services, LLC a FINRA member broker-dealer (“Kestra”). Mr. Boychuk is not a producing representative for Kestra and, as such, it is not expected that this role will present conflicts of interest for clients of Antolino & Associates. Should a conflict of interest arise, full and fair disclosure will be made to the relevant client.  Item 5: Additional Compensation None Item 6: Supervision ANTOLINO Wealth Advisors provides investment advisory and supervisory services in accordance with current state regulatory requirements. ANTOLINO Wealth Advisors’ Chief Compliance Officer, Ralph Antolino, is primarily responsible for overseeing the activities of ANTOLINO Wealth Advisors’ supervised persons. Please contact Mr. Antolino at (614) 442- 3355 any questions about ANTOLINO Wealth Advisors’ supervision or compliance practices. Item 7: Requirements for State Registered Advisers Mr. Boychuk has never been involved in an arbitration proceeding or a civil, self- regulatory, or administrative proceeding. Mr. Boychuk has never been the subject of a bankruptcy petition.  Item 2: Educational Background and Business Experience 1995 Name: Nicholas R. Bowden Born: Education Background and Professional Designations: Nicholas (Nick) R. Bowden, born May 25, 1995, graduated from The Ohio State University in 2018 with a Bachelor of Science in Economics. He has been working in the financial consulting industry since 2018. Nick started at ANTOLINO Wealth Advisors in July, 2021 and has been an Investment Adviser Representative with ANTOLINO Wealth Advisors since March 2022. Before that he was a life insurance consultant with Nationwide Insurance. Nick has been a CERTIFIED FINANCIAL PLANNER since 2020. Please refer to the Description of Professional Designations at the end of this Brochure Supplement for more information about that designation. Item 3: Disciplinary Information None Item 4: Other Business Activities Antolino & Associates is a business run side by side with ANTOLINO Wealth Advisors. It involves financial and estate planning, as well as selling the following types of insurance: Life/Accident/Health, Disability, Property/Casualty, Annuities, and Long-Term Care. Mr. Bowden is a licensed insurance agent affiliated with Antolino & Associates who sells insurance products on a commission basis in that separate and individual capacity. The recommendation by Mr. Bowden or any of his affiliates that a client purchase an insurance commission product through him presents a conflict of interest, because the receipt of commissions or other compensation may provide an incentive to recommend insurance products based on commissions or other compensation to be received, rather than on a particular client’s need. Clients are not obligated to purchase any insurance commission products from Mr. Bowden. Clients may purchase insurance products recommended by Mr. Bowden or Antolino & Associates through other, non-affiliated insurance agents. Mr. Bowden is also a registered representative of Kestra Investment Services, LLC a FINRA member broker-dealer (“Kestra”). Mr. Bowden is not a producing representative for Kestra and, as such, it is not expected that this role will present conflicts of interest for clients of Antolino & Associates. Should a conflict of interest arise, full and fair disclosure will be made to the relevant client. Item 5: Additional Compensation None  Item 6: Supervision ANTOLINO Wealth Advisors provides investment advisory and supervisory services in accordance with current state regulatory requirements. ANTOLINO Wealth Advisors’ Chief Compliance Officer, Ralph Antolino, is primarily responsible for overseeing the activities of ANTOLINO Wealth Advisors’ supervised persons. Please contact Mr. Antolino at (614) 442- 3355 any questions about ANTOLINO Wealth Advisors’ supervision or compliance practices. Item 7: Requirements for State Registered Advisers Mr. Bowden has never been involved in an arbitration proceeding or a civil, self- regulatory, or administrative proceeding. Mr. Bowden has never been the subject of a bankruptcy petition.  Item 2: Educational Background and Business Experience Name: Born: 1989 Jason R Witt Educational Background and Professional Designations: Education: Bachelor Actuarial Science, Brigham Young University - 2015 Business Background: 01/2024 - Present Investment Adviser Representative ANTOLINO Wealth Advisors 03/2019 - Present Investment Specialist ANTOLINO Wealth Advisors 06/2017 - 03/2019 Mortgage Underwriter United Wholesale Mortgage 04/2015 - 06/2017 Professional Runner Brooks Running 03/2014 - 04/2015 Student Brigham Young University Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Joson R Witt works at Antolino & Associates. Jason R Witt owns a rental house.  Item 5: Additional Compensation Jason R Witt does not receive any economic benefit from any person, company, or organization, other than ANTOLINO Wealth Advisors in exchange for providing clients advisory services through ANTOLINO Wealth Advisors. Item 6: Supervision As a representative of ANTOLINO Wealth Advisors, Jason R Witt is supervised by Ralph Antolino Jr., the firm's Chief Compliance Officer. Ralph Antolino Jr. is responsible for ensuring that Jason R Witt adheres to all required regulations regarding the activities of an Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s Code of Ethics and compliance manual. The phone number for Ralph Antolino Jr. is (614) 442-3355.  Item 2: Educational Background and Business Experience Name: Born: 2000 Axel Agami Contreras Educational Background and Professional Designations: Education: Bachelor of Science in Business Administration Finance, The Ohio State University - 2022 Designations: CFP® - Certified Financial Planner The CERTIFIED FINANCIAL PLANNER, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • • • • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: i. ii. Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.  CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Business Background: 06/2025 - Present Investment Adviser Representative Antolino Wealth Advisors, LLC 05/2020 - Present Investment Advisor Kestra Advisory Services LLC 02/2020 - Present Financial Planner / Advisor 2 Antolino & Associates 08/2014 - 05/2020 Student Full-Time Education Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Axel Agami Contreras is a registered representative. From time to time, he will offer clients advice or products from those activities. Clients should be aware that these services pay a commission and involve a conflict of interest, as commissionable products conflict with the fiduciary duties of a registered investment adviser ANTOLINO Wealth Advisors always acts in the best interest of the client, including the sale of commissionable products to advisory clients. Clients always have the right to decide whether or not to utilize the services of any representative of ANTOLINO Wealth Advisors, LLC in such individuals outside capacities. Item 5: Additional Compensation Axel Agami Contreras does not receive any economic benefit from any person, company, or organization, other than ANTOLINO Wealth Advisors in exchange for providing clients advisory services through ANTOLINO Wealth Advisors.  Item 6: Supervision As a representative of ANTOLINO Wealth Advisors, Axel Agami Contreras is supervised by Ralph Antolino Jr., the firm's Chief Compliance Officer. Ralph Antolino Jr. is responsible for ensuring that Axel Agami Contreras adheres to all required regulations regarding the activities of an Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s Code of Ethics and compliance manual. The phone number for Ralph Antolino Jr. is (614) 442-3355.  Item 2: Educational Background and Business Experience Name: Born: 1991 Ian Matthew Erdman Educational Background and Professional Designations: Education: Bachelor of Science in Financial Planning, The Ohio State University – 2014 Designations: CFP® - Certified Financial Planner The CERTIFIED FINANCIAL PLANNER, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • • • • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: iii. Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, iv. v. to maintain competence and keep up with developments in the financial planning field; and Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients.  CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Business Background: 06/2025 - Present Investment Adviser Representative ANTOLINO Wealth Advisors 04/2023 - Present Registered Representative Kestra Investment Services, LLC 04/2023 – 04/2024 Financial Planner Antolino & Associates 06/2014 - 04/2023 Financial Professional Nationwide Securities, LLC Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Ian Matthew Erdman is a registered representative. From time to time, he will offer clients advice or products from those activities. Clients should be aware that these services pay a commission and involve a conflict of interest, as commissionable products conflict with the fiduciary duties of a registered investment adviser ANTOLINO Wealth Advisors always acts in the best interest of the client, including the sale of commissionable products to advisory clients. Clients always have the right to decide whether or not to utilize the services of any representative of ANTOLINO Wealth Advisors in such individuals outside capacities. Item 5: Additional Compensation Ian Matthew Erdman does not receive any economic benefit from any person, company, or organization, other than ANTOLINO Wealth Advisors in exchange for providing clients advisory services through ANTOLINO Wealth Advisors. Item 6: Supervision As a representative of ANTOLINO Wealth Advisors, Ian Matthew Erdman is supervised by Ralph Antolino Jr., the firm's Chief Compliance Officer. Ralph Antolino Jr.is responsible for ensuring that Ian Matthew  Erdman adheres to all required regulations regarding the activities of an Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s Code of Ethics and compliance manual. The phone number for Ralph Antolino Jr. is (614) 442-3355. Description of Professional Designations CERTIFIED FINANCIAL PLANNER Certified Financial Planner Board of Standards, Inc. (“CFP Board”) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER certification mark, and the CFP® certification mark (with flame design) logo in the United States (these marks are collectively referred to as the “CFP® marks”). The CFP Board authorizes use of the CFP® marks by individuals who successfully complete the CFP Board’s initial and ongoing certification requirements. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 90,000 individuals have obtained CFP® certification. To earn the right to use the CFP® marks, an individual must currently fulfill specific requirements in the areas of education, examination, professional experience, and ethics. Individuals who become certified must also complete ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks. Chartered Financial Consultant, ChFC® The ChFC® designation has been a mark of excellence for almost thirty years and currently requires nine college-level courses, the most of any financial planning credential. Average study time to earn the ChFC® exceeds 450 hours. Required courses cover extensive education and application training in financial planning, income taxation, investments, and estate and retirement planning. Additional electives are chosen from such topics as macroeconomics, financial decisions for retirement, and executive compensation. ChFC® designees must meet experience requirements and adhere to continuing education and ethical standards. The credential is awarded by The American College, a non-profit educator founded in 1927 and the highest level of academic accreditation. Chartered Life Underwriter, CLU® The CLU® has been the respected risk management credential for advisors. Designees have completed eight or more college-level courses representing an average study time of 400 hours. Topics for required courses include insurance and financial planning, life insurance law, estate planning, and planning for business owners and professionals. Elective courses include such advanced topics as income taxes, group benefits, retirement planning, and health insurance. CLU® designees must meet experience and continuing education  requirements and must adhere to a high ethical standard. The mark is awarded by The American College, a non-profit educator with the top level of academic accreditation.  Item 2: Educational Background and Business Experience Name: Born: 1996 Douglas William Finley Educational Background and Professional Designations: Education: Arizona State University, Tempe, Arizona Bachelors of Science Degree, Finance The College for Financial Planning, Denver, Colorado Masters pf Science Degree, Financial Planning CFP Professional Education Program The College for Financial Planning, Denver, Colorado Designations: Certified Private Wealth Advisor Issuing Organization: Investments & Wealth Institute Prerequisites/Experience Required Candidate must meet the following requirements: • A bachelor’s degree (or higher) from an accredited college or university, and five years of financial services experience Educational Requirements: Candidate must complete a rigorous 6 months curriculum. Examination Type: CPWA® Examination Continuing Education: 40 hours every two years CFP®, CERTIFIED FINANCIAL PLANNERᎴ Issuing Organization: Certified Financial Planner Board of Standards, Inc. Prerequisites/Experience Required Candidate must meet the following requirements: • A bachelor’s degree (or higher) from an accredited college or university, and yhree years of full-time personal financial planning experience Educational Requirements: Candidate must complete a CFP-board registered program, or hold one of the following: • CPA • ChFC • Chartered Life Underwriter (CLU) • CFA • Ph.D. in business or economics • Doctor of Business Administration • Attorney's License  Examination Type: CFP Certification Examination Continuing Education: 30 hours every two years AEP® – Accredited Estate Planner® Issuing Organization: National Association of Estate Planners & Councils Prerequisites/Experience Required: The candidate must meet all of the following requirements: • Must be an attorney (JD), accountant (CPA), insurance professional, financial planner (CLU/ChFC, CFP) or trust officer (CTFA) • Must be in good standing with their professional organization and not be subject to a disciplinary investigation • Must have a minimum of 5 years’ experience in estate planning in one or more of the prerequisite professions Educational Requirements: 2 graduate-level courses administered by The American College or from another accredited graduate program as part of a master's or doctoral degree unless the applicant has 15 or more years’ experience as an estate planner Examination Type: Final exam for each course. If self-study through The American College must be taken at Pearson VUE testing centers, which are proctored. Continuing Education/Experience Requirements: • 30 hours every 24 months, including 15 hours in estate planning. Re- certification required annually. CDFA - Certified Divorce Financial Analyst Issuing Organization: Institute for Divorce Financial Analysts Prerequisites/Experience Required: Candidates must meet all of the following requirements: • The CDFA designation is available to individuals who have a minimum of two years' experience as a financial professional, accountant, or matrimonial lawyer. • To earn the designation, the participant must complete a series of self-study • course modules and pass an exam for each module. In the USA, this training qualifies for 32 hours of continuing education for the CFP® Board of Standards, 25 CPE credits for the CPA designation, and 32 PACE credits for ChFCs and CLUs. • To retain the Certified Divorce Financial AnalystᎴ designation, a CDFAᎴ must obtain 20 hours of Continuing Education (CE) every two years (ten of which must be divorce-related), remain in good standing with the IDFAᎴ , and keep his/her dues current.  Business Background: 01/2026 - Present Investment Adviser Representative ANTOLINO Wealth Advisors 12/2006 – Present President Finley Wealth Management, LLC Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Douglas W Finley is not engaged in any investment-related business or occupation (other than this advisory firm). Item 5: Additional Compensation Douglas W Finley does not receive any economic benefit from any person, company, or organization, other than ANTOLINO Wealth Advisors in exchange for providing clients advisory services through ANTOLINO Wealth Advisors. Item 6: Supervision As a representative of ANTOLINO Wealth Advisors, Douglas W Finley is supervised by Ralph Antolino Jr., the firm's Chief Compliance Officer. Ralph Antolino Jr.is responsible for ensuring that Douglas W Finley adheres to all required regulations regarding the activities of an Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s Code of Ethics and compliance manual. The phone number for Ralph Antolino Jr. is (614) 442-3355.  Item 2: Educational Background and Business Experience Name: Born: 1971 Amber Friedman Braatz Educational Background and Professional Designations: Education: University of Florida Bachelors of Science Degree (1992) Florida Gulf Coast University Masters of Business Administration (2005) CFP® Professional Education Program Northwestern University (2018) Designations: Business Background: 01/2026 - Present Investment Adviser Representative ANTOLINO Wealth Advisors 05/2018 – Present IAR Finley Wealth Management, LLC 10/2012 – 12/2020 Physical Therapist RB Health / Avidity Home Healthcare Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Amber Friedman Braatz is not engaged in any investment-related business or occupation (other than this advisory firm).  Item 5: Additional Compensation Amber Friedman Braatz does not receive any economic benefit from any person, company, or organization, other than ANTOLINO Wealth Advisors in exchange for providing clients advisory services through ANTOLINO Wealth Advisors. Item 6: Supervision As a representative of ANTOLINO Wealth Advisors, Amber Friedman Braatz is supervised by Ralph Antolino Jr., the firm's Chief Compliance Officer. Ralph Antolino Jr.is responsible for ensuring that Amber Friedman Braatz adheres to all required regulations regarding the activities of an Investment Adviser Representative, as well as all policies and procedures outlined in the firm’s Code of Ethics and compliance manual. The phone number for Ralph Antolino Jr. is (614) 442-3355.