ADVISORNET WEALTH PARTNERS

Item 1 Cover Page Form ADV Part 2A: Disclosure Brochure AdvisorNet Wealth Partners 110 Cheshire Lane, Suite 200 Minnetonka, MN 55305 advisornet.com/wealth-partners-home/ Updated: 03/25/2026 This brochure provides information about the qualifications and business practices of AdvisorNet Wealth Partners. If you have any questions about the contents of this brochure, please contact us at (612) 347-8600 or wealthpartners@advisornet.com. (See last page for additional contact information). 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. Additional information about AdvisorNet Wealth Partners is also available on the SEC’s website at www.adviserinfo.sec.gov. References herein to AdvisorNet Wealth Partners as a “registered investment adviser” or any reference to being “registered” does not imply a certain level of skill or training. ADV2A v.03.XX.2026 Page 1 of 19  Item 2 Material Changes Since the last update to this Disclosure Brochure, no material changes have taken place. Item 3 Table of Contents Item 1 Cover Page 1 Item 2 Material Changes 2 Item 3 Table of Contents 2 Item 4 Advisory Business 3 Item 5 Fees and Compensation 7 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 13 Item 10 Other Financial Industry Activities and Affiliations 13 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading 14 Item 12 Brokerage Practices 15 Item 13 Review of Accounts 18 Item 14 Client Referrals and Other Compensation 18 Item 15 Custody 19 Item 16 Investment Discretion 19 Item 17 Voting Client Securities 19 Item 18 Financial Information 19 ADV2A v.03.XX.2026 Page 2 of 19  Item 4 Advisory Business A. AdvisorNet Financial, Inc. operates its registered investment advisory division under the assumed name of AdvisorNet Wealth Partners (“AdvisorNet Wealth Partners”). Therefore, when this Brochure refers to “AdvisorNet Wealth Partners” or “AdvisorNet” it is referring to AdvisorNet Financial, Inc. AdvisorNet has been in the investment advisory business since 1984, has been continually incorporated in the State of Minnesota since 1980, and traces its direct roots in the financial services business to 1959. AdvisorNet is owned by a network of approximately 50 individuals, many of whom are investment adviser representatives of the Firm. Trade Names. Trade Names. AdvisorNet and/or its representatives may use the following trade names in association with providing the services set forth in this Brochure: ADVANCED RETIREMENT RESOURCES, ADVANCED WEALTH MANAGEMENT GROUP, ADVANTAGE FINANCIAL PLANNING, AJW FINANCIAL, ALIGNED WEALTH PLANNING GROUP, ALPHA WEALTH ADVISORS, APEX WEALTH SERVICES, BOX FINANCIAL ADVISORS, BRUMBAUGH WEALTH MANAGEMENT, CALCULATED WEALTH PARTNERS, CLEARPATH WEALTH ADVISORS, DRACH FINANCIAL, EMPIRE ASSET MANAGEMENT GROUP, EXECUTIVE FINANCIAL SERVICES INC, EPOCH FINANCIAL GROUP, FINANCIAL CONSULTANTS OF RAPID CITY, FINANCIAL PLAN PARTNERS, HEMME WEALTH MANAGEMENT, JOSH WEBSKOWSKI, KESHEMBERG ADVISORY, LEWIS FINANCIAL ADVISORS, LLC, MATTSON WEALTH MANAGEMENT, MCCABE & ASSOCIATES, PEAK ADVISORY GROUP, PEAK PORTFOLIO MANAGEMENT, PLANVISER FINANCIAL, RICE CREEK WEALTH MANAGEMENT, ROBERT J. MCHATTIE, STILL WATERS PLANNING, STONEBRIDGE WEALTH PARTNERS, WALTER R. BOMGREN, WEINBACH INVESTMENT MANAGEMENT, LLC. Please Note: The above trade names are not an exhaustive list of the trade names that AdvisorNet and/or its representatives may use in association with providing the services set forth in this Brochure. The list of trade names set forth above will be revised on a periodic basis as trade names are added and/or deleted. Please also Note: All such trade name entities are not affiliated with AdvisorNet or with any custodian or broker-dealer utilized by AdvisorNet. All investment management services provided under an agreement with AdvisorNet by the individuals associated with the trade name entities listed above are provided in their respective individual capacities as investment adviser representatives of AdvisorNet Financial, Inc., a registered investment adviser, with principal offices located at 110 Cheshire Lane, Suite 200, Minnetonka, MN 55305 (Phone 612.347.8600). AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above Trade Names. To conduct its everyday business, AdvisorNet may enter into service agreements with third party firms to provide various technology and administrative services for your account. These services include but may not be limited to transaction processing, account maintenance and performance reporting. Such third-party firms include but may not be limited to custodians and broker-dealers (see Item 12) and companies which provide portfolio reporting and rebalancing services. Clients’ account data and other nonpublic personal information may be shared with, between and/or by such third-party firms (see also, AdvisorNet’s Privacy Notice, distributed upon account opening, annually, and any time upon request). B. AdvisorNet offers its clients investment management services, and, to the extent specifically requested by a client, financial planning, and related consulting services. INVESTMENT MANAGEMENT SERVICES ADDITIONAL INVESTMENT MANAGEMENT INFORMATION For individual clients, investment management will often occur at a household level, and will be based on personal information provided by the client. Regarding trading authorization, “discretionary” and “non-discretionary” are financial industry terms. “Discretionary trading authorization” allows AdvisorNet to make trading decisions and execute trades without a client’s prior verbal consent. “Non- discretionary trading authorization” requires a client’s prior verbal consent as to the purchase or sale of a definite amount of a particular security. Again, AdvisorNet provides investment management services, both “wrap” and “non-wrap” on a wholly discretionary or wholly non-discretionary basis. Please Note: Non-Discretionary Service Limitations. Clients that determine to engage AdvisorNet on a non-discretionary investment management basis must be willing to accept that AdvisorNet cannot effect any account transactions without obtaining prior verbal consent from the client as to the purchase or sale of a definite amount of a particular security. Thus, ADV2A v.03.XX.2026 Page 3 of 19  in the event of a market correction during which the client is unavailable, AdvisorNet will be unable to effect any account transactions (as it would for its discretionary clients) without first obtaining the client’s verbal consent. Wrap Program-Conflict of Interest. AdvisorNet Wealth Partners also provides service to a small percentage of its clients on a wrap fee basis as a wrap program sponsor. Under AdvisorNet Wealth Partners’ wrap program, the client generally receives investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. Participation in a wrap program may cost the client more or less than purchasing such services separately. The terms and conditions of a wrap program engagement are also discussed in AdvisorNet Wealth Partners’ Wrap Fee Program Brochure. Conflict of Interest. Because wrap program transaction fees and/or commissions are being paid by AdvisorNet Wealth Partners to the account custodian/broker-dealer, AdvisorNet Wealth Partners could have an economic incentive to maximize its compensation by seeking to minimize the number of trades and/or transaction fees incurred for the client's account. See separate Wrap Fee Program Brochure. AdvisorNet Wealth Partners’ Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding a wrap fee arrangement and the corresponding conflict of interest. Types of Managed (Supervised) Investments / Qualified Plan Participant Account Limitations. AdvisorNet manages a wide range of various types of investments according to a client’s goals and objectives. Some of these investments may include, but are not limited to: mutual funds, general securities, fixed income securities, collateralized mortgage obligations, exchange traded funds, sub-advisors, independent investment managers and/or programs, and select alternative investments. AdvisorNet will have some limitations on the types of investments it agrees to manage, but these will generally be investment types which are not known to be widely held. Investments which AdvisorNet manages may be held in various types of accounts. These include but are not limited to brokerage accounts which AdvisorNet may recommend (see Item 12, below), insurance product sub-accounts, or qualified plan accounts. In regard to qualified plan accounts: AdvisorNet may provide investment management services and various advice, including but not necessarily limited to specific investment advice to qualified plan participants. Regardless whether a client enters into a “discretionary” or “non-discretionary” investment management agreement, AdvisorNet’s services under the agreement related to qualified plan assets are limited to providing various investment recommendations to a client which must then be implemented solely by the client. However, in limited circumstances as described under Item 8.B below, a third-party platform may be used by advisers to manage and trade on held-away qualified plan accounts at the participant level. In addition, AdvisorNet may not receive any communications from the plan sponsor or custodian, and it shall remain the client’s exclusive obligation to provide AdvisorNet with current account information, as well as notify AdvisorNet of any changes in investment alternatives, restrictions, etc. pertaining to the client’s qualified plan account. AdvisorNet is not responsible for any costs, damages, penalties, or otherwise, resulting from the client’s failure to so notify AdvisorNet. In addition, AdvisorNet will not have, nor will it accept, any authority to effect any type of transactions or changes via the plan web site, telephone, email or otherwise, including but not limited to changing beneficiaries or effecting account disbursements or transfers to any individual or entity. Alternatively, AdvisorNet can provide discretionary investment management related to qualified plan participants’ accounts. Such activity is facilitated through a third-party vendor and requires a specific advisory agreement to be signed by the plan participant. Please Note: On its client portfolio performance reports, AdvisorNet may also refer to managed investments as “supervised” investments. These are investments which are managed for a fee as agreed upon in AdvisorNet’s investment management agreement. While AdvisorNet may also agree to report on “unsupervised” investments, this would be offered as a convenience only. While AdvisorNet may consider such “unsupervised” investments in the overall picture of providing advice on managed or “supervised” investments, or in regard to separately agreed-upon financial planning or consulting services, AdvisorNet has no legal responsibility to manage, monitor, or otherwise supervise a client’s “unsupervised” investments, even if they appear on a client’s portfolio performance reports. Please Also Note: AdvisorNet may recommend the services of one or more third party money managers to serve as a sub- advisor, in order to provide certain clients with third party money management for some or all of the assets held in such clients’ accounts. Services by such sub-advisors will generally include, for additional fees, (along with other services described in the sub-advisor’s disclosure documents), portfolio analysis, asset allocation modeling and analysis, trading execution and other services. Unless the client’s investment management agreement states otherwise, such sub-advisors will generally have discretion to execute transactions on the client’s behalf. In such sub-advisor programs, AdvisorNet and the sub-advisor are co-fiduciaries. This means that AdvisorNet, along with the sub-advisor, are jointly responsible for the ongoing management of the client’s account. ADV2A v.03.XX.2026 Page 4 of 19  Independent Managers. AdvisorNet may allocate (and/or recommend that the client allocate) a portion of a client’s investment assets among unaffiliated independent investment managers in accordance with the client’s designated investment objective(s). In such situations, the Independent Manager[s] shall have day-to-day responsibility for the active discretionary management of the allocated assets. AdvisorNet 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. Factors which AdvisorNet shall consider in recommending Independent Manager[s] include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. Please Note: The investment management fee charged by the Independent Manager[s]is separate from, and in addition to, AdvisorNet’s advisory fee (including the wrap advisory fee) as set forth in the fee schedule at Item 5 below. Mutual and Exchange Traded Funds: Most mutual funds and exchange traded funds are available directly to the public. Thus, a prospective client can obtain many of the funds that may be utilized by AdvisorNet Wealth Partners independent of engaging AdvisorNet Wealth Partners as an investment adviser. However, if a prospective client determines to do so, he/she will not receive AdvisorNet Wealth Partners’ initial and ongoing investment advisory services. Please Note-Use of DFA Mutual Funds: AdvisorNet Wealth Partners utilizes mutual funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers approved by DFA. Thus, if the client was to terminate AdvisorNet Wealth Partners’ services, and transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds, will generally apply. Please Also Note: In addition to AdvisorNet Wealth Partners’ investment advisory fee described below, and transaction and/or custodial fees discussed below, 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). AdvisorNet Wealth Partners’ Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above. Custodian Charges-Additional Fees: As discussed at Item 12 below, when requested to recommend a broker- dealer/custodian for client accounts, AdvisorNet Wealth Partners generally recommends that Schwab, Pershing, Fidelity and Betterment (collectively the “Custodians”) serve as the broker-dealer/custodian for client investment management assets. These Custodians generally charge transaction fees for effecting securities transactions. In addition to AdvisorNet Wealth Partners’ investment advisory fee referenced in Item 5 below, the client (unless it engages AdvisorNet Wealth Partners on a wrap fee basis per the above) will also incur transaction fees to purchase securities for the client’s account (i.e., mutual funds, exchange traded funds, individual equity and fixed income securities, etc.) The custodian may choose to offer multiple classes of the same mutual fund on their platform. Typically, a client will be charged a transaction fee for holding a share class with a lower expense ratio as opposed to a share class without a transaction fee with a higher expense ratio. Clients should be aware that the higher expense ratio share class will oftentimes be more costly if held long-term. AdvisorNet Wealth Partners’ Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above. Portfolio Activity. AdvisorNet Wealth Partners has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, AdvisorNet Wealth Partners 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, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when AdvisorNet Wealth Partners determines that changes to a client’s portfolio are neither necessary nor prudent. Clients are still subject to the fees described in Item 5 below, even during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by AdvisorNet Wealth Partners will be profitable or equal any specific performance level(s). Portfolio Partners-Conflict of Interest. AdvisorNet may allocate and/or recommend that a client allocate assets to Portfolio Partners, an internal investment management team within AdvisorNet, in accordance with the client’s designated investment objective(s). In such situations, AdvisorNet shall pay a portion of the investment advisory fee received for these allocated assets to the Portfolio Partners team for its investment management services. Since AdvisorNet’s representatives who are a part of the Portfolio Partners team shall receive a portion of the advisory fee charged to the client in such situations, a material conflict of interest arises for the members of the Portfolio Partners team, as the recommendation to utilize the services of the Portfolio Partners team could be made on the basis of compensation to be received, rather than a client or prospective client’s best interests. Portfolio Partners may engage a third-party consultant to assist in the investment selection and allocation of its model portfolios. AdvisorNet’s Chief Compliance Officer remains available to address any questions regarding Portfolio Partners and the corresponding conflict of interest. RETIREMENT PLAN AND PARTICIPANT CONSULTING (STAND-ALONE) In addition to providing investment management services for a client’s qualified plan account as part of an investment management agreement, as described above, AdvisorNet provides other non-discretionary qualified plan/pension consulting ADV2A v.03.XX.2026 Page 5 of 19  services on a stand-alone, separate fee basis. These services include assisting sponsors of self-directed retirement plans in various ways, including but not limited to, the selection and/or monitoring of investment alternatives (generally open-end mutual funds) from which plan participants choose in self-directing the investments for their individual plan retirement accounts. In addition, to the extent requested by the plan sponsor, AdvisorNet will provide participant education designed to assist participants in identifying the appropriate investment strategy for their retirement plan accounts. Under certain arrangements, AdvisorNet will also provide specific investment advice to qualified plan participants regarding plan assets. The terms and conditions of these services will be set forth in an agreement between AdvisorNet and the plan sponsor. In all cases, clients, including qualified plan participants, are free to accept or reject any advice or recommendations provided to them, and are further solely responsible for making any and all changes to, or effecting any and all transactions in, their qualified plan. AdvisorNet accepts no such responsibility in this regard. Please Note: Any such retirement plan and participant consulting services are provided on a “one-time”, “as requested”, or “regular/periodic” basis. Any services performed on an “as requested” or “regular/periodic” basis are not “on-going and continuous” in nature, as are AdvisorNet’s investment management services described above. Rather, services provided on a “regular/periodic” basis will only be based on client circumstances as of a specific date (i.e., a “snapshot in time”). Please Note: Retirement Rollovers-Potential for Conflict of Interest: 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 AdvisorNet recommends that a client roll over their retirement plan assets into an account to be managed by AdvisorNet, such a recommendation creates a conflict of interest if AdvisorNet will earn an advisory fee on the rolled over assets. In addition, the advisory fees associated with accounts that are managed by AdvisorNet will typically be more expensive than the fees incurred under most employer retirement plans. No client is under any obligation to rollover retirement plan assets to an account managed by AdvisorNet. AdvisorNet’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. ERISA / IRC Fiduciary Acknowledgment. If the client is: (i) a retirement plan (“Plan”) organized under the Employee Retirement Income Security Act of 1974 (“ERISA”); (ii) a participant or beneficiary of a Plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code, with authority to direct the investment of assets in his or her Plan account or to take a distribution; (iii) the beneficial owner of an Individual Retirement Account (“IRA”) acting on behalf of the IRA; or (iv) a Retail Fiduciary with respect to a plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code: then AdvisorNet represents that it and its representatives are fiduciaries under ERISA or the Internal Revenue Code, or both, with respect to any investment advice provided by AdvisorNet or its representatives or with respect to any investment recommendations regarding an ERISA covered Plan or participant or beneficiary account. FINANCIAL PLANNING AND CONSULTING SERVICES (STAND-ALONE) To the extent requested by a client, AdvisorNet may determine to provide financial planning and/or consulting services on a stand-alone, separate fee basis. These services may include both investment and non-investment related matters. These services may also consist of planning and consulting on a “one-time”, “as requested”, or “regular/periodic” basis. Please Note: Any services performed on an “as requested” or “regular/periodic” basis are not “on-going and continuous” in nature, as are AdvisorNet’s investment management services described above. Rather, services provided on a “regular/periodic” basis will only be based on client circumstances as of a specific date (i.e., a “snapshot in time”). AdvisorNet also occasionally provides general financial planning information to businesses and other organizations, as well as workshops and seminars to the public related to financial and investment planning. AdvisorNet offers Estate Planning services included as part of our ongoing financial planning services to our clients that consist of education on estate planning topics and the collection of general information necessary to complete a new estate plan or review a current estate plan. AdvisorNet utilizes the services of Wealth.com and Trust & Will, third-party digital estate planning services for clients who have the need for estate planning review, creation or updates. Prior to engaging AdvisorNet to provide financial planning or consulting services, clients are generally required to enter into a written agreement with AdvisorNet outlining the scope of the services to be provided, and other terms and conditions of the engagement (including termination). Recommending the Services of Other Professionals. If requested by the client, AdvisorNet may recommend the services of other professionals for the purpose of implementing various investment-related planning or consulting recommendations. This may include recommending AdvisorNet’s own representatives in their individual capacities as registered representatives of Cetera Wealth Services, LLC or investment adviser representatives of Cetera Investment Advisers LLC (“Cetera Wealth ADV2A v.03.XX.2026 Page 6 of 19  Services”, “Cetera Investment Advisers”, “Cetera”) and/or as licensed insurance agents. (See disclosure at Item 10). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from AdvisorNet. Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, investment banking associate, etc.), and not AdvisorNet Wealth Partners, shall be responsible for the quality and competency of the services provided. In addition, to the extent requested by the client, AdvisorNet may provide consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. Neither AdvisorNet, nor any of its representatives, serves as an attorney or accountant under an AdvisorNet agreement, and no portion of AdvisorNet’s services should be construed to offer such services. To the extent requested by a client, AdvisorNet may recommend the services of other professionals for certain non-investment implementation purposes (i.e., attorneys, accountants, certain insurance, etc.), including certain representatives of AdvisorNet in their separate registered/licensed capacities as discussed below. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from AdvisorNet. Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, etc.), and not AdvisorNet Wealth Partners, shall be responsible for the quality and competency of the services provided. Client Obligations. In performing any of its services, AdvisorNet will not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely on such information. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify AdvisorNet if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising AdvisorNet’s previous recommendations and/or services. C. AdvisorNet will provide investment management services specific to the needs of each client. Prior to providing investment management services, an investment adviser representative will ascertain each client’s investment objective(s). AdvisorNet will then allocate and/or recommend that the client allocate investment assets consistent with the client’s investment objective(s). The client may, at any time, impose reasonable restrictions, in writing, on AdvisorNet’s services. D. There is no significant difference between how AdvisorNet manages wrap fee accounts and non-wrap fee accounts. However, as stated above, if a client determines to engage AdvisorNet on a wrap fee basis the client will pay a single fee for bundled services (i.e., investment advisory, brokerage, custody) (See also Item 4.B.). The services included in a wrap fee agreement will depend upon each client’s particular need. If the client determines to engage AdvisorNet on a non-wrap fee basis the client will select individual services on an unbundled basis, paying for each service separately (i.e., investment advisory, brokerage, custody). Please Note: When managing a client’s account on a wrap fee basis, AdvisorNet shall receive as payment for its investment management services, the balance of the wrap fee after all other costs incorporated into the wrap fee have been deducted. E. As of December 31, 2025, AdvisorNet managed approximately $3,143,415,615 on a discretionary basis and $6,083,174 on a non-discretionary basis. Item 5 Fees and Compensation A. The client can determine to engage AdvisorNet to provide discretionary and/or non-discretionary investment management services on a wrap or non-wrap fee basis. Fee Calculation: The fee charged is calculated as described below and is not charged on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of an advisory client. Program fees may be based upon the total value of assets averaged over a definite period, or as of definite dates, or taken as of a specific date. The advisor and the client will determine the method for fee calculation choosing between flat fee, floating flat, tiered (blended) fee, or fixed flat fee basis as described below: 1. A fixed flat fee is a fixed annual dollar amount. 2. A flat fee rate is calculated based on a fixed percentage of all assets under management. 3. A floating flat rate – as the portfolio value reaches each threshold in the client’s fee schedule table, all assets are charged the successively lower percentages, and ADV2A v.03.XX.2026 Page 7 of 19  4. A tiered fee – as the portfolio value reaches each threshold in the client’s fee schedule table, the assets above each threshold are charged successively lower percentages. NON-WRAP FEE BASIS If a client determines to engage AdvisorNet to provide discretionary and/or non-discretionary investment management services on a non-wrap fee basis, AdvisorNet’s annual investment management fee is negotiable and is based upon an annual percentage of the market value of the assets placed under AdvisorNet’s management, which fee shall not exceed 2.50%. Please Note: AdvisorNet’s annual investment management fee does not cover fees or costs such as, but not limited to sub-advisor fees, sub-advisor or manager research costs, trade execution fees, custody and brokerage costs, reporting fees, fund management fees, fund expenses, prime brokerage fees, exchange fees, regulatory fees, custodial account administration costs. These costs will be in addition to AdvisorNet’s annual investment management fee and will be the client’s responsibility. ADVISORNET WEALTH PARTNERS WRAP FEE PROGRAM FEES If a client determines to engage AdvisorNet to provide investment management services on a wrap fee basis in accordance with AdvisorNet’s Program, the services offered under, and the corresponding terms and conditions pertaining to, the Program are discussed in the Wrap Fee Program Brochure, a copy of which is presented to all prospective Program participants. Under the Program, AdvisorNet is able to offer participants discretionary and/or non-discretionary investment management services, for a single specified annual Program fee, inclusive of trade execution, custody, reporting, and investment management fees. The current annual Program fee is negotiable and is based upon a percentage of the market value of the assets placed under AdvisorNet’s management, which fee shall not exceed 2.5%. Please Note: Wrap Program Conflict. Participation in the Program may cost more or less than purchasing such services separately. The fee that we charge for participation in the Program may be higher or lower than those charged by other sponsors of comparable wrap fee programs. Conflict of Interest. When managing a client’s account on a wrap fee basis, we shall receive as payment for our investment advisory services, the balance of the wrap fee after all wrap-fee costs (including account transaction fees) have been deducted. Accordingly, we have a conflict of interest because we could have an economic incentive to maximize our compensation by seeking to minimize the number of transactions/total costs in the client's account. AdvisorNet’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the corresponding conflict of interest a wrap fee arrangement may create. Please Note: Fee Dispersion. AdvisorNet Wealth Partners, in its sole discretion, may charge a lesser investment advisory fee, charge a flat fee, or waive its fee entirely based upon certain criteria (e.g., the branch office and/or representative servicing the client’s account, anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, complexity of the engagement, grandfathered fee schedules, AdvisorNet Wealth Partners employees and family members, courtesy accounts, competition, negotiations with client, etc.). Please Note: As a result of the above, similarly situated clients could pay different fees. In addition, similar advisory services may be available from other investment advisers for similar or lower fees. AdvisorNet Wealth Partners’ Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding advisory fees. Please Note: AdvisorNet Wealth Partners considers cash to be an asset class and counts cash values toward its assets under management; therefore, cash is included in fee calculations for clients who are charged flat, floating or tiered rates that vary based upon the client’s assets under management. At certain times during low interest rate environments, the portion of fees that are attributed to cash assets will exceed the money market yield. AdvisorNet Wealth Partners has a policy in place to monitor cash holdings that represent substantial portions of client portfolios. FINANCIAL PLANNING AND CONSULTING FEES (Stand-Alone) Financial Planning. AdvisorNet usually charges a fixed fee for initial financial planning services. These fees generally range from $400 to $10,000, although in certain circumstances, depending on the size and complexity of the client’s estate and the level and scope of the financial services needed, may be as high as $100,000. Regular/periodic financial planning (e.g., review and updating services) is generally also charged on a fixed fee basis in the range of $150 to $4,000, depending upon the level and scope of the services and the professional rendering them. In some circumstances, AdvisorNet may charge on an hourly or monthly basis for financial planning services. In the event that AdvisorNet provides financial planning on an hourly rate basis, it is AdvisorNet’s policy that a maximum fee will be set and agreed to between the client and AdvisorNet. Hourly rates vary but generally will not exceed $300 per hour. In the event that ADV2A v.03.XX.2026 Page 8 of 19  AdvisorNet provides financial planning on a monthly basis, it is AdvisorNet’s policy that regular/periodic advice or services are provided to the client. Generally, AdvisorNet requires at least one-half of the financial planning fee be paid upon entering the written agreement. The balance is generally due upon delivery of the financial plan or completion of the agreed upon services. Financial & Retirement Consulting. AdvisorNet may charge a fixed or hourly fee for its consulting services. For its periodic investment monitoring services, AdvisorNet may charge an annual fee, which may also be billed in increments, and based on a percentage (generally varying between 0.75% and 1.50%) of the value of assets. Generally, the annual fixed fee for these services will not exceed $10,000. As described in Item 4 above, AdvisorNet also offers fee-based investment selection services for a fixed or hourly charge comparable to financial planning fees. AdvisorNet may charge a fixed fee for attendance at workshops or seminars, or it may charge fees to the entity or persons sponsoring such seminars. Fixed or hourly fees will be charged for the preparation of general financial planning information. With respect to advisory services provided to qualified plan trustees and participants, fees are charged on a fixed fee basis, or are based upon a percentage (%) of the market value and type of assets in the applicable accounts. In other cases, fees are charged on either a fixed fee per participant basis or as a fixed amount based on the amount of plan participants, payable on a monthly or quarterly basis. All Financial Planning and Consulting fees are generally negotiable. B. Clients may elect to have AdvisorNet’s management fees deducted from their custodial account. Both AdvisorNet's Investment Management Agreement and the custodial/clearing agreement may authorize the custodian to debit the account for the amount of AdvisorNet's investment management fee and to directly remit that fee to AdvisorNet in compliance with regulatory procedures. In the limited event that AdvisorNet bills the client directly, payment is due upon receipt of AdvisorNet’s invoice. In certain cases, clients may also elect to have AdvisorNet’s financial planning or consulting services deducted from their brokerage accounts, bank accounts, or charged to their credit card. C. As discussed below, unless the client directs otherwise or an individual client’s circumstances require, AdvisorNet shall generally recommend that Schwab, Fidelity, Betterment Securities, Pershing (collectively the “Custodians”) serve as the broker- dealer/custodian for client investment management assets. Custodians such as Schwab, Fidelity, Betterment Securities, or Pershing charge brokerage commissions and/or transaction fees for effecting certain securities transactions (i.e., transaction fees are charged for certain no-load mutual funds, commissions are charged for individual equity and fixed income securities transactions). In addition to AdvisorNet’s investment management fee, 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). D. AdvisorNet’s annual investment management fees will generally be prorated as applicable and paid quarterly, in advance or arrears, as indicated in the Investment Management Agreement between AdvisorNet and the client, and in all amendments thereto. Fees paid in advance are based upon the market value of the assets on the last business day of the previous quarter. For partial initial quarters, fees for such accounts are paid in arrears. Fees paid in arrears are based upon either the average daily balance (portfolio value) of the account assets during the previous quarter, or the market value of the account assets as of more specific dates (generally dates of deposit and/or quarter-end dates), as determined and consistently applied by AdvisorNet in regard to all similarly situated clients. The Investment Management Agreement between AdvisorNet and the client will continue in effect until terminated by either party by written notice in accordance with the terms of the Investment Management Agreement. Upon termination, AdvisorNet will refund the pro-rated portion of the advanced management fee paid based upon the number of days remaining in the billing quarter. Please note: AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding AdvisorNet’s billing policies and methodologies. Please Note: Lower fees for comparable investment management and financial planning/consulting services may be available from other sources. E. Commission Transactions. If the client desires, the client can engage certain of AdvisorNet’s representatives, in their individual capacities as registered representatives of Cetera Wealth Services, LLC, a FINRA member broker-dealer, to implement investment recommendations on a commission basis. If the client chooses to purchase investment products ADV2A v.03.XX.2026 Page 9 of 19  through Cetera, Cetera will charge brokerage commissions to effect securities transactions, a portion of which commissions Cetera shall pay to AdvisorNet’s representatives, as applicable. The brokerage commissions charged by Cetera may be higher or lower than those charged by other broker-dealers. In addition, Cetera as well as AdvisorNet’s representatives, relative to commission mutual fund purchases, may also receive additional ongoing 12b-1 trailing commission compensation directly from the mutual fund company during the period that the client maintains the mutual fund investment. With certain of AdvisorNet’s representatives, Cetera has established repayable loans (the “Loans”). In addition, Cetera has established a bonus incentive payment program with certain of AdvisorNet’s representatives (the “Bonus”) (collectively, the Loans and the Bonus are referred to as the “Programs”). The terms of the Loans require that each applicable recipient remains affiliated exclusively with Cetera for a specified period of time and make timely repayments of the Loans specified within the applicable Loans agreement. The terms of the Bonus agreement provide that each applicable representative shall be entitled to receive an annual bonus payment based on the compensation generated by such representative, through commissionable sales and placement of client assets at Cetera’s affiliated investment advisory firm, subject to certain conditions, including an obligation for the applicable representatives to maintain their affiliation exclusively with Cetera during the term of the Bonus program. The Bonus agreement also provides that Bonus payments may, in Cetera’s sole discretion, be applied against any amounts owed by the representatives to Cetera under the terms of the Loans. As a result of the above, the Programs present a conflict of interest, as the applicable representatives are incentivized to maintain their broker-dealer affiliation exclusively with Cetera in their separate and individual capacities as registered representatives. The Programs present a further conflict of interest, as the applicable representatives are incentivized to recommend that clients purchase commissionable securities products through Cetera and/or place investment assets at Cetera’s affiliated investment advisory firm, in order to maximize the amount of compensation received under the Bonus program and/or to decrease or eliminate the representative’s repayment obligations under the applicable Loans. Clients are reminded that they are not under any obligation to purchase securities commission products through Cetera and/or AdvisorNet’s representatives, and that they may purchase such securities commission products through other, non- affiliated broker-dealers. In addition, clients are reminded that they are under no obligation to place investment assets at Cetera’s affiliated investment advisory firm. 1. Conflict of Interest: The recommendation that a client purchase a commission product from Cetera and/or place investment assets at Cetera’s affiliated investment advisory firm presents a conflict of interest, as the receipt of commissions, the Loans, and/or Bonus payments provide an incentive to recommend investment products and/or the use of Cetera’s affiliated investment advisory firm based on such benefits to be received, rather than on a particular client’s needs. No client is under any obligation to purchase any commission products from Cetera or to engage the services of Cetera’s affiliated investment advisory firm. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above conflicts of interest. Please Note: Clients may purchase investment products recommended by AdvisorNet through other non-affiliated broker dealers or agents. 2. AdvisorNet does not receive more than 50% of its revenue from advisory clients as a result of commissions or other compensation for the sale of investment products AdvisorNet recommends to its clients. 3. When AdvisorNet’s representatives sell an investment product on a commission basis, in their individual capacities as registered representatives of Cetera and/or as licensed insurance agents, AdvisorNet does not charge an advisory fee in addition to the commissions paid by the client for such product. However, there might be occasions in which, in their individual capacities as registered representatives of Cetera or another broker/dealer and/or as licensed insurance agents, an AdvisorNet representative previously sold an investment product on a commission basis and then later would like to include the same investment product in an AdvisorNet investment advisory account. Except as set forth above, when providing services on an advisory fee basis, AdvisorNet’s representatives do not also receive commission compensation for such advisory services. However, a client may engage AdvisorNet to provide investment management services on an advisory fee basis and separate from such advisory services purchase an investment product from AdvisorNet’s representatives on a separate commission basis. ADV2A v.03.XX.2026 Page 10 of 19  Item 6 Performance-Based Fees and Side-by-Side Management Neither AdvisorNet nor any supervised person of AdvisorNet accepts performance-based fees; however, investment management fees may be based upon the total value of assets averaged over a definite period, or as of definite dates, or taken as of a definite date. Item 7 Types of Clients AdvisorNet’s clients shall generally include individuals, trusts and for-profit and non-profit business entities. These entities may include, but may not be limited to, qualified plans, corporations and other business entities. AdvisorNet does not generally require an annual minimum fee or asset level for investment management services. Item 8 Methods of Analysis, Investment Strategies and Risk of Loss A. Investing, by its very nature, involves exchanging risk for potential reward in varying degrees. In many cases, the risks borne by investing include potential loss of principal. AdvisorNet often employs numerous philosophies, tools and strategies in managing investments and their associated risks; your advisor may use any, all or none of the following: Technical Analysis This type of analysis utilizes statistics to determine trends in security prices. Technical analysis tends to focus on factors such as trading volume, demand and security price fluctuations. This type of analysis is also commonly referred to as chart analysis due to the fact that this analysis tends to review various historical charts and graphs. Behavioral Finance A field of finance that proposes psychology-based theories to explain stock market anomalies. Within behavioral finance, it is assumed that the information structure and the characteristics of market participants systematically influence individuals' investment decisions as well as market outcomes. Fundamental Analysis This type of analysis concentrates on historical and current data. Earnings, a company’s financial statements and the quality of a company’s management are examples of such data. These quantitative factors are then used to attempt to determine the financial strength of a company and its financial forecast. Modern Portfolio Theory (MPT) MPT assumes that investors are risk adverse, meaning that given two assets that offer the same expected return, investors will prefer the less risky one. Thus, an investor will take on increased risk only if compensated by higher expected returns. Conversely, an investor who wants higher returns must accept more risk. Therefore, MPT aims to construct a combination portfolio of assets that has the best possible expected level of return for its level of risk. Asset Allocation Research has shown that it is nearly impossible to consistently predict the future direction of a security or of the market in general. As such, it is unlikely that all of your investments will “beat the market” consistently. Studies have shown that the selection of investments across asset classes is more contributive to managing portfolio volatility than investments within asset classes. Diversification If you invest in a portfolio or strategy that is made up of a small number of positions, few sectors or few industries, your portfolio will be more likely to sharply increase or decrease in value. Concentrated strategies are more volatile because the risk associated with each position represents a large percentage of your overall portfolio value. On the contrary, diversification by holding smaller percentages of your overall portfolio in any one position may often decrease your portfolio’s volatility and may substantially reduce idiosyncratic risks (risks that affect a very small number of assets.) ADV2A v.03.XX.2026 Page 11 of 19  Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by AdvisorNet) will be profitable or equal at any specific performance level(s). B. AdvisorNet’s methods of analysis and investment strategies do not present any significant or unusual risks. However, every method of analysis has its own inherent risks. To perform an accurate market analysis, AdvisorNet must have access to current/new market information. AdvisorNet has no control over the dissemination rate of market information; therefore, unbeknownst to AdvisorNet, certain analyses may be compiled with outdated market information, severely limiting the value of AdvisorNet’s analysis. Furthermore, an accurate market analysis can only produce a forecast of the direction of market values. There can be no assurances that a forecasted change in market value will materialize into actionable and/or profitable investment opportunities. Every investment strategy has its own inherent risks and limitations. For example, longer-term investment strategies require a longer investment time period to allow for the strategy to potentially develop. Shorter-term investment strategies require a shorter investment time period to potentially develop but, as a result of more frequent trading, may incur higher transactional costs when compared to a longer-term investment strategy. AdvisorNet relies on the use and operation of different computer hardware, software and online systems to varying degrees. The following cybersecurity risks are inherent to all such programs and are enhanced for online systems: unauthorized access to or corruption, deletion, theft or misuse of confidential information relating to the Firm and its clients; and compromises or failures of systems, networks, devices or applications used by the Firm or its vendors to store, process, or transmit Firm or client information or otherwise support the Firm’s operations. AdvisorNet also relies on third-party vendors to support certain functions. By relying on vendors, the Firm reduces its level of control over services rendered. If a vendor fails to perform its obligations in a timely manner or at satisfactory quality levels, the Firm will be unable to provide investment advice in a manner consistent with is disclosures to clients. In an ongoing effort to identify and mitigate risk, and to meet regulatory requirements, periodic assessments are performed on the third- party vendors that AdvisorNet utilizes which have access to sensitive Firm and client information. In addition to the investment strategies discussed above, AdvisorNet may also implement and/or recommend short selling, use of margin, and/or options transactions. Each of these strategies has a high level of inherent risk. Short selling is an investment strategy with a high level of inherent risk. Short selling involves the selling of assets that the investor does not own. The investor borrows the assets from a third-party lender (i.e., Broker-Dealer) with the obligation of buying identical assets at a later date to return to the third-party lender. Individuals who engage in this activity shall only profit from a decline in the price of the assets between the original date of sale and the date of repurchase. Conversely, the short seller will incur a loss if the price of the assets rises. Other costs of shorting may include a fee for borrowing the assets and payment of any dividends paid on the borrowed assets. Margin is an investment strategy with a high level of inherent risk. A margin transaction occurs when an investor uses borrowed assets to purchase financial instruments. The investor generally obtains the borrowed assets by using other securities as collateral for the borrowed sum. The effect of purchasing a security using margin is to magnify any gains or losses sustained by the purchase of the financial instruments on margin. Please Note: To the extent that a client authorizes the use of margin, and margin is thereafter employed by AdvisorNet in the management of the client’s investment portfolio, the market value of the client’s account and corresponding fee payable by the client to AdvisorNet may be increased. As a result, in addition to understanding and assuming the additional principal risks associated with the use of margin, clients authorizing margin are advised of the potential conflict of interest whereby the client’s decision to employ margin may correspondingly increase the management fee payable to AdvisorNet. Accordingly, the decision as to whether to employ margin is left totally to the discretion of client. The use of options transactions as an investment strategy involves a high level of inherent risk. Option transactions establish a contract between two parties concerning the buying or selling of an asset at a predetermined price during a specific period of time. During the term of the option contract, the buyer of the option gains the right to demand fulfillment by the seller. Fulfillment may take the form of either selling or purchasing a security depending upon the nature of the option contract. Generally, the purchase or the recommendation to purchase an option contract by AdvisorNet shall be with the intent of “hedging” a potential market risk in a client’s portfolio or with the intent to generate income. Please Note: Although the intent of the options-related transactions that may be implemented by AdvisorNet is to hedge against principal risk, certain of the options-related strategies (i.e., straddles, short positions, etc.), may, in and of themselves, produce principal volatility and/or ADV2A v.03.XX.2026 Page 12 of 19  risk. Thus, a client must be willing to accept these enhanced volatility and principal risks associated with such strategies. In light of these enhanced risks, client may direct AdvisorNet, in writing, not to employ any or all such strategies for his/her/their/its accounts. AdvisorNet uses a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The use of this platform involves risks to clients since the assets that are managed on a discretionary basis are held in 401(k) plans and other qualified retirement plans, which often represent the largest portion of assets that retail clients have saved for retirement. AdvisorNet is not affiliated with the platform in any way and receives no compensation from them for using their platform. C. Currently, AdvisorNet primarily allocates client investment assets among various individual equity (stocks), debt (bonds), fixed income securities, collateralized mortgage obligations, mutual funds and/or exchange traded funds (“ETFs”) (including inverse ETFs and/or mutual funds that are designed to perform in an inverse relationship to certain market indices), on a discretionary and non-discretionary basis in accordance with the client’s designated investment objective(s). As disclosed above, AdvisorNet may utilize long and short mutual funds and/or exchange traded funds that are designed to perform in either an: (1) inverse relationship to certain market indices (at a rate of 1 or more times the inverse [opposite] result of the corresponding index) as an investment strategy and/or for the purpose of hedging against downside market risk; and (2) enhanced relationship to certain market indices (at a rate of 1 or more times the actual result of the corresponding index) as an investment strategy and/or for the purpose of increasing gains in an advancing market. There can be no assurance that any such strategy will prove profitable or successful. In light of these enhanced risks/rewards, a client may direct AdvisorNet, in writing, not to employ any or all such strategies for his/her/their/its accounts. The use of alternative investments involves a high level of inherent risk. Alternative investments are highly complex investment vehicles and are generally non-transparent and illiquid long-term investments; as such, only investors who meet the investor level thresholds set forth in the respective investment’s subscription documents (e.g., accredited investor or qualified purchaser) may participate. Prior to investing, investors should fully understand the terms, investment strategies and risks associated with the investment, and have the financial wherewithal to withstand the investment’s capital requirements and time horizon. The use of fee-based insurance products involves a high level of inherent risk. Fee-based insurance products are highly complex investment vehicles and contain additional expenses that you will pay in addition to AdvisorNet’s advisory fee. Fee-based insurance products grow on a tax-deferred basis, and there is no added tax deferral benefit for holding a fee-based insurance product within a qualified account. Prior to investing, investors should fully understand the terms, expenses and risks associated with the investment. Item 9 Disciplinary Information AdvisorNet has not been the subject of any disciplinary actions. Item 10 Other Financial Industry Activities and Affiliations A. Many of AdvisorNet’s management persons are registered representatives of Cetera Wealth Services, LLC, a FINRA member broker-dealer. B. Neither AdvisorNet nor its management persons are registered, or have an application pending to register, as a futures commission merchant, commodity pool operator, a commodity trading advisor, or a representative of the foregoing. C. Registered Representatives. As disclosed above in Item 5.E, certain of AdvisorNet’s representatives, are registered representatives of Cetera Wealth Services, LLC, which is a FINRA member broker-dealer. Clients may choose to engage certain of AdvisorNet’s representatives, in their individual capacities as registered representatives of Cetera, to implement investment recommendations on a commission basis. Licensed Insurance Agency and Agents. AdvisorNet is a licensed insurance agency and has general agency or master insurance brokerage relationships with various insurance agencies. Additionally, some of AdvisorNet’s representatives, in their individual capacities, are licensed insurance agents with various companies, and in that capacity, may recommend the purchase of certain insurance-related products on a commission basis, including but not limited to fixed annuities, fixed index ADV2A v.03.XX.2026 Page 13 of 19  annuities and life insurance policies. Clients can engage certain of AdvisorNet’s representatives to purchase insurance products on a commission basis. A conflict of interest exists to the extent AdvisorNet or its representatives and other representatives may recommend the purchase of insurance through AdvisorNet or other associated insurance agencies, where AdvisorNet or such persons may receive commission, profits or other additional compensation from the purchase of such insurance products and services (See below for additional information regarding conflicts of interest). Conflict of Interest: The recommendation by AdvisorNet’s representatives that a client purchase a securities or insurance commission product presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment products based on commissions, profits or other additional compensation to be received, rather than on a particular client’s need. As discussed in Item 5.E above, certain of AdvisorNet’s representatives may also be eligible to receive additional economic benefits through Cetera’s Loans and Bonus programs. In addition to the conflict described above, the Programs present additional conflicts of interest, as the applicable representatives are incentivized to maintain their broker-dealer affiliation exclusively with Cetera in their separate and individual capacities as registered representatives. The Programs also incentivize applicable representatives to recommend that clients purchase commissionable securities products through Cetera and/or place investment assets at Cetera’s affiliated investment advisory firm in order to maximize the amount of compensation received under the Bonus program and/or to decrease or eliminate the representative’s repayment obligations under the applicable Loans. No client is under any obligation to purchase any commission products from AdvisorNet’s representatives or to engage the services of Cetera’s affiliated investment advisory firm. Clients are reminded that they may purchase securities or insurance products recommended by AdvisorNet through other non-affiliated broker-dealers or insurance agents, and that such products may also be available elsewhere at lower cost. In addition, clients are reminded that they are under no obligation to place investment assets at Cetera’s affiliated investment advisory firm. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above conflict of interest. Investment Adviser Representatives of Cetera Investment Advisers. Certain AdvisorNet representatives are also investment adviser representatives of Cetera Investment Advisers, which is an SEC registered investment adviser. In certain circumstances, AdvisorNet and/or its representatives may recommend that a client engage a representative of AdvisorNet in his or her capacity as an investment adviser representative of Cetera. In such a circumstance, the services to be performed by the representative will be performed on behalf of Cetera and not AdvisorNet. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangement. AdvisorNet receives finders and/or referral fees from other Registered Investment Advisers for introducing clients for investment banking, financial planning or investment management services. These arrangements present conflicts of interest, as AdvisorNet representatives have an incentive to recommend these referral partners over other financial institutions. D. AdvisorNet does not receive, directly or indirectly, compensation from investment advisers that it recommends or selects for its clients. Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. AdvisorNet maintains a policy relative to personal securities transactions. This investment policy is part of AdvisorNet’s overall Code of Ethics, which serves to establish a standard of business conduct for all of AdvisorNet’s representatives that is based upon fundamental principles of transparency, integrity, honesty and trust, a copy of which is available upon request. AdvisorNet also maintains and enforces written policies reasonably designed to prevent the misuse of material non-public information by AdvisorNet or any person associated with AdvisorNet. B. Neither AdvisorNet nor any related person of AdvisorNet recommends, buys, or sells for client accounts, securities in which AdvisorNet or any related person of AdvisorNet has a material financial interest. C. AdvisorNet and/or representatives of AdvisorNet may buy or sell securities that are also recommended to clients. This practice may create a situation where AdvisorNet and/or representatives of AdvisorNet 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 ADV2A v.03.XX.2026 Page 14 of 19  “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 AdvisorNet 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 AdvisorNet’s clients) and other potentially abusive practices. AdvisorNet has a personal securities transaction policy in place to monitor the personal securities transactions and securities holdings of each of AdvisorNet’s “Access Persons.” AdvisorNet’s securities transaction policy requires that an Access Person of AdvisorNet must 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 or visibility to their current securities holdings at least once each twelve (12) month period thereafter on a date AdvisorNet selects; provided, however that at any time that AdvisorNet has only one Access Person, he or she shall not be required to submit any securities report described above. D. AdvisorNet and/or representatives of AdvisorNet may buy or sell securities, at or around the same time as those securities are recommended to clients. This practice creates a situation where AdvisorNet and/or representatives of AdvisorNet are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a conflict of interest. E. AdvisorNet believes it has disclosed in this brochure all material conflicts regarding its investment advisory activities, its representatives and employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. Item 12 Brokerage Practices A. In the event that the client requests that AdvisorNet recommend a broker-dealer/custodian for execution and/or custodial services (exclusive of those clients that may direct AdvisorNet to use a specific broker-dealer/custodian), AdvisorNet generally recommends that investment management accounts be maintained at the Schwab Advisor Services division of Schwab (Schwab), Fidelity Clearing & Custody Solutions (Fidelity), MTG, LLC dba Betterment Securities (Betterment Securities), or at Pershing Advisor Solutions LLC (Pershing). At other times, an AdvisorNet representative may require that a client use particular Custodians as the client’s broker-dealer/custodian, should the client want that particular representative to manage the client’s investments. Clients are under no obligation to have AdvisorNet or any of its representatives manage their investments, however, in some cases, if a client wants a particular representative to manage the client’s investments, it may be necessary for the client to use the custodian required by such representative. Prior to engaging AdvisorNet to provide investment management services, the client will generally be required to enter into a formal Investment Management Agreement with AdvisorNet setting forth the terms and conditions under which AdvisorNet shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer/custodian. Factors that AdvisorNet considers in recommending or requiring any Custodian (or any other broker-dealer/custodian to clients) include historical relationship with AdvisorNet or its representatives, financial strength, reputation, execution capabilities, pricing, research, and service. Although the commissions and/or transaction fees paid by AdvisorNet's clients shall comply with AdvisorNet's duty to obtain best execution, a client may pay a commission that is higher than another qualified broker-dealer might charge to effect the same transaction where AdvisorNet determines, in good faith, that the commission/transaction fee is reasonable in relation to the value of the brokerage and research services received. 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 AdvisorNet 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, AdvisorNet's investment management fee. Custodians help facilitate the correction of trades which are entered in error. When trade error corrections result in financial gains, the custodians have internal policies to remove such gains from the clients’ accounts and transfer them to charitable organizations. When trade error corrections result in financial losses, the custodians remove the losses from the clients’ accounts and transfer them to AdvisorNet’s error account; AdvisorNet covers the losses in the error account and passes the cost along to its Investment Adviser Representatives. ADV2A v.03.XX.2026 Page 15 of 19  For AdvisorNet clients’ accounts that Betterment Securities maintains, Betterment Securities generally does not charge you separately for custody services, but is compensated as part of the Betterment Institutional (defined below) platform fee, which is a percentage of the dollar amount of assets in the account in lieu of commissions. We have determined that having Betterment Securities execute trades is consistent with our duty to seek “best execution” of your trades. Best execution means the most favorable terms for a transaction based on all relevant factors, including those listed above. Bettermen t Securities serves as broker dealer to Betterment Institutional, an investment and advice platform serving independent investment advisory firms like us (“Betterment Institutional”). Betterment Institutional also makes available various support services which may not be available to Betterment’s retail customers. Some of those services help us manage or administer our clients’ accounts, while others help us manage and grow our business. Betterment Institutional support services are generally available on an unsolicited basis (we do not have to request them) and at no charge to us. 1. As described above, AdvisorNet, through its representatives, will generally utilize brokerage accounts at various Custodians to maintain custody of clients’ assets and to effect trades for their accounts. AdvisorNet is independently owned and operated and not affiliated with the Custodians. For AdvisorNet client accounts maintained in their custody, Custodians generally do not charge separately for custody but are compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Schwab, Betterment Securities, or Pershing or that settle into Schwab, Fidelity, Betterment Securities, or Pershing accounts. Custodians provide services that directly benefit clients and their accounts, and also provide certain payments and services that more directly benefit AdvisorNet and its advisors. Services that directly benefit clients and their accounts include those that assist AdvisorNet in managing and administering clients’ accounts. These other products and services include software and other technology that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), provide research, pricing information, and other market data, facilitate payment of AdvisorNet’s fees from its clients’ accounts, and assist with back-office functions, recordkeeping and other client reporting. These services directly benefit clients and their accounts. Custodians also offer services, purchase or provide software and other items, and make payments intended to support AdvisorNet’s management of client accounts and development of its business enterprise. These purchases and payments present a conflict of interest to the extent that they support our business but may not provide clients with a direct benefit. Items purchased or provided by Custodians (directly or indirectly) include: • • Compliance, legal and business consulting; Publications, conferences and educational events on practice management, business succession, information technology, marketing and other business practice matters; Software or access to third-party technology providers; Employee benefits providers, human capital consultants and insurance providers; Third-party vendors for other services rendered to AdvisorNet; • • Occasional business entertainment and business promotional items for AdvisorNet personnel and advisors; • • • Discount or waived fees Custodians would otherwise charge; • • Reimbursement or otherwise credit account exit fees charged by a prior custodian, or pay for other related assistance, upon transfer of an account to Custodians; and Payment for certain transaction pricing and certain technology and account transfer costs, may be paid based upon AdvisorNet placing or maintaining a certain minimum amount of assets in custody. AdvisorNet and its representatives have a conflict of interest as these arrangements incent them in recommending or requiring that clients establish brokerage accounts at Custodians. We want to assure that Clients understand the conflict of interest and are able to ask questions and get additional information. If you have any questions on these incentives or desire additional information, please contact your advisor or AdvisorNet’s Chief Compliance Officer. In evaluating whether to recommend or require that clients custody their assets at any Custodian AdvisorNet may take into account the availability of some of the foregoing products and services and other arrangements as part of the total mix of factors it considers and not solely on the nature, cost or quality of custody and brokerage services provided by the Custodian which may create a potential conflict of interest. Specifically, Schwab, Pershing, and Fidelity have agreed to periodically provide AdvisorNet with technology and other vendor benefits based upon the amount of new client assets AdvisorNet introduces to each custodian for custody ADV2A v.03.XX.2026 Page 16 of 19  services. The Firm’s receipt of these benefits raises a conflict of interest because AdvisorNet has an economic incentive to recommend that clients use these custody services for their investment accounts. Additionally, Schwab provides AdvisorNet with access to its institutional trading and custody services, which are not typically available to Schwab retail investors. These services generally are available to independent investment advisers on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the advisor’s clients’ assets are maintained in accounts at Schwab Advisor Services, and are not otherwise contingent upon an advisor committing to Schwab any specific amount of business (assets in custody or trading). Schwab’s services include brokerage, custody, research, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. AdvisorNet strives to meet its duty to act in the best interests of its clients even with receipt of these benefits. Specifically, AdvisorNet had developed policies and procedures to monitor the activities of the Custodians and assure that they are providing services in a reasonable and prudent manner. This includes policies and procedures to monitor the best execution of transactions effectuated by the Custodians. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangements and the corresponding conflicts of interest presented by such arrangements. (See also, Item 14.A, below.) 2. AdvisorNet does not receive client referrals from broker-dealers. 3. AdvisorNet may recommend certain third-party managed account programs or independent investment managers to its clients. In this event, AdvisorNet may introduce third parties, or such third parties may act as a sub-advisor for AdvisorNet. Such third-party programs or managers may choose to effect trades at various broker-dealers, and investment assets may be held at custodians other than Schwab, Fidelity, Betterment Securities, or Pershing. The brokerage practices of such third parties will generally be disclosed in their respective Disclosure Brochures, and such parties will generally be required to seek best execution for such transactions. 4. AdvisorNet 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 AdvisorNet 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 AdvisorNet. 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. Please Note: In the event that the client directs AdvisorNet to effect securities transactions for the client's accounts through a specific broker-dealer, the client correspondingly 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 through AdvisorNet. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangements and the corresponding conflicts of interest presented by such arrangements. B. To the extent that AdvisorNet provides investment management services to its clients, the transactions for each client account generally will be effected independently, unless AdvisorNet decides to purchase or sell the same securities for several clients at approximately the same time. AdvisorNet may (but is not obligated to) combine or “bunch” such orders to obtain best execution, to negotiate more favorable commission rates or to allocate equitably among AdvisorNet’s clients’ differences in prices and commissions or other transaction costs that might have been obtained had such orders been placed independently. Under this procedure, transactions will be averaged as to price and will be allocated among clients in proportion to the purchase and sale orders placed for each client account on any given day. AdvisorNet shall not receive any additional compensation or remuneration as a result of such aggregation. ADV2A v.03.XX.2026 Page 17 of 19  Item 13 Review of Accounts A. For those clients to whom AdvisorNet provides investment management services, account reviews are conducted on a periodic basis by AdvisorNet's representatives and by one or more Supervisors. Such reviews generally occur at least annually, but certain monthly and quarterly reviews generally also occur. All investment management clients are advised that it remains their responsibility to advise AdvisorNet of any changes in their investment objectives and/or financial situation. All clients are periodically encouraged to review financial planning issues (to the extent applicable), investment objectives and account performance with AdvisorNet or their representative. B. AdvisorNet may conduct account reviews on an other-than-periodic basis upon the occurrence of a triggering event, such as a change in client investment objectives and/or financial situation, market corrections and client request. C. Clients are provided, at least quarterly, with written transaction confirmation notices and regular written summary account statements directly from the broker-dealer/custodian and/or program sponsor for the client accounts. For investment management clients, AdvisorNet may also provide a written periodic report summarizing account activity and performance. Item 14 Client Referrals and Other Compensation A. AdvisorNet receives direct or indirect economic benefits from the Custodians as outlined in Item 12, Brokerage Practices. These benefits may either directly benefit clients to the extent that they provide required services at lower costs or directly benefit AdvisorNet to the extent they support its business activities or advisors. These benefits provide an incentive for AdvisorNet’s selection of these Custodians. The Custodians provide AdvisorNet with benefits it may not receive from other firms, and which AdvisorNet may otherwise have to pay for at its own expense. While, as a fiduciary, AdvisorNet endeavors to act in its clients’ best interests in evaluating whether to recommend or require that clients custody their assets at these Custodians, AdvisorNet may take into account the availability of some of these products and services and other arrangements as part of the total mix of factors it considers and not solely on the nature, cost or quality of custody and brokerage services provided by Custodians. These benefits, to the extent they do not provide a direct benefit to the client, creates a conflict of interest. However, please note that there are no arrangements made by AdvisorNet with Custodians to provide AdvisorNet with incentives to invest any specific amount or percentage of client assets in any specific mutual funds, securities or other specific investment products. As referenced in Items 5.E and 10.C above, certain representatives of AdvisorNet receive additional economic benefits from Cetera via the Programs. Please refer to the Items discussed above for a complete description of the Programs and the concurrent conflicts of interest presented by such arrangements. At times AdvisorNet may refer clients to certain referral partners and receive compensation for the referral. As referenced in Item 10.C above, certain representatives of AdvisorNet receive additional economic benefits from these referral partners. Please refer to the Item discussed above for a complete description of the concurrent conflicts of interest. AdvisorNet has a service fee agreement with a third-party vendor and will refer clients to utilize its deposit account sweep arrangement for the purposes of earning a rate of interest and FDIC insurance on cash balances. Clients have the option to select other sweep arrangements that are not subject to a service fee agreement and may pay a similar or higher rate of interest and FDIC insurance coverage. Pursuant to the service fee agreement, AdvisorNet will retain a portion of the interest earned by the client, but the cash balance will not be subject to or included in the Program fee. The service fee agreement creates a conflict of interest as AdvisorNet has a financial incentive to have advisors refer clients to the third-party vendor and this is mitigated through client consent and disclosure. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangements and the corresponding conflicts of interest presented by such arrangements. B. AdvisorNet does not directly or indirectly compensate any persons or entities for client referrals. ADV2A v.03.XX.2026 Page 18 of 19  Item 15 Custody It is AdvisorNet’s policy not to accept physical custody of clients’ securities, funds or assets. AdvisorNet shall have the ability to have its management fee for each client debited by the custodian on a quarterly basis. Clients are provided, at least quarterly, with written transaction confirmation notices and regular written summary account statements directly from the broker- dealer/custodian and/or program sponsor for the client accounts. AdvisorNet may also provide a written periodic report summarizing account activity and performance. Please Note: To the extent that AdvisorNet provides clients with periodic account statements or reports, the client is urged to compare any statement or report provided by AdvisorNet with the account statements received from the account custodian. Please Also Note: The account custodian does not verify the accuracy of AdvisorNet’s management fee calculation. Item 16 Investment Discretion The client can determine to engage AdvisorNet to provide investment management services on a discretionary basis. Prior to AdvisorNet assuming discretionary authority over a client’s account, the client shall be required to execute an Investment Management Agreement, naming AdvisorNet as the client’s attorney and agent in fact, granting AdvisorNet full authority to buy, sell, or otherwise effect investment transactions involving the assets in the client’s name found in the discretionary account. Clients who engage AdvisorNet on a discretionary basis may, at any time, impose reasonable restrictions, in writing, on AdvisorNet’s discretionary authority. (i.e., limit the types/amounts of particular securities purchased for their account, exclude the ability to purchase securities with an inverse relationship to the market, limit or proscribe AdvisorNet’s use of margin, etc.). In addition, under both discretionary and non-discretionary Investment Management Agreements, the client may grant AdvisorNet limited trading discretion to liquidate securities in an amount generally sufficient to cover AdvisorNet’s investment management fees, if the client’s account(s) do not maintain sufficient cash or money market fund balance(s) to cover such fees. Item 17 Voting Client Securities A. AdvisorNet does not vote client proxies. Clients maintain exclusive responsibility for directing the manner in which proxies solicited by issuers of securities beneficially owned by the client shall be voted. Clients may delegate decision making relative to any corporate reorganization or actions, such as mergers, acquisitions, tender offers, bankruptcy proceedings or other type events pertaining to the client’s investment assets. B. Clients are responsible for ensuring that they receive their proxies or other solicitations directly from their custodian. Clients may contact AdvisorNet to discuss any questions they may have on receiving proxies or other solicitations from the custodian or with a particular solicitation. Item 18 Financial Information A. AdvisorNet does not require or solicit prepayment of fees of more than $1,200, per client, six months or more in advance. B. AdvisorNet is unaware of any financial condition that is reasonably likely to impair its ability to meet its contractual commitments relating to its discretionary authority over certain client accounts. C. AdvisorNet has not been the subject of a bankruptcy petition. Clients are always encouraged to contact their investment adviser representative or AdvisorNet with any questions or concerns regarding the services provided by AdvisorNet, or with any questions about information contained in this Brochure. At any time, you may contact AdvisorNet’s Chief Compliance Officer by any of the following means: Mail: 110 Cheshire Lane, Suite 200, Minnetonka, MN 55305 Email: wealthpartners@advisornet.com Phone: (612) 347-8600 ADV2A v.03.XX.2026 Page 19 of 19 

Item 1 Cover Page Portfolio Partners Sub-Advisor Brochure Form ADV Part 2A: Firm Brochure AdvisorNet Wealth Partners 110 Cheshire Lane, Suite 200 Minnetonka, MN 55305 advisornet.com/wealth-partners-home/ Published Date: 03/25/2026 This brochure provides information about the qualifications and business practices of AdvisorNet Wealth Partners (AWP). If you have any questions about the contents of this brochure, please contact us at (612) 347-8600 or wealthpartners@advisornet.com. (See last page for additional contact information). The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Additional information about AdvisorNet Wealth Partners is also available on the SEC’s website at www.adviserinfo.sec.gov. References herein to AdvisorNet Wealth Partners as a “registered investment adviser” or any reference to being “registered” does not imply a certain level of skill or training. ADV2A v.03.XX.2026 Page 1 of 12  Item 2 Material Changes Since the last update to this Disclosure Brochure, no material changes have taken place. Item 3 Table of Contents Item 1 Cover Page 1 Item 2 Material Changes 2 Item 3 Table of Contents 2 Item 4 Advisory Business 3 Item 5 Fees and Compensation 5 Item 6 Performance-Based Fees and Side-by-Side Management 6 Item 7 Types of Clients 6 Item 8 Methods of Analysis, Investment Strategies and Risk of Loss 6 Item 9 Disciplinary Information 7 Item 10 Other Financial Industry Activities and Affiliations 7 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading 8 Item 12 Brokerage Practices 8 Item 13 Review of Accounts 11 Item 14 Client Referrals and Other Compensation 11 Item 15 Custody 11 Item 16 Investment Discretion 11 Item 17 Voting Client Securities 12 Item 18 Financial Information 12 ADV2A v.03.XX.2026 Page 2 of 12  Item 4 Advisory Business A. AdvisorNet Financial, Inc. operates its registered investment advisory division under the assumed name of AdvisorNet Wealth Partners (“AdvisorNet Wealth Partners”). Therefore, when this Brochure refers to “AdvisorNet Wealth Partners” or “AdvisorNet” it is referring to AdvisorNet Financial, Inc. AdvisorNet has been in the investment advisory business since 1984, has been continually incorporated in the State of Minnesota since 1980, and traces its direct roots in the financial services business to 1959. AdvisorNet is owned by a network of approximately 50 individuals, many of whom are investment adviser representatives of the firm. The largest shareholder is Daniel J. May, AdvisorNet’s former Chairman of the Board. As a privately-owned company, AdvisorNet’s core business is to offer middle and back office operational support services to a network of independent investment adviser representatives. B. AdvisorNet is currently acting in the capacity of a sub-advisor for other registered investment advisers (“Investment Advisors”). Through this sub-advisor relationship, AdvisorNet is authorized and directed to provide investment advisory, administrative, support and supervisory services to another Investment Advisor that is engaged to perform investment management through an agreement with each end client. AdvisorNet’s duties and responsibility relate solely to the management of models and effectuating trades in those models provided by AdvisorNet as the sub-advisor, and AdvisorNet will have no responsibility with respect to Investment Advisor’s Clients including determining whether any Client is suitable for a particular model. AdvisorNet may also engage a third-party consultant to assist in the investment selection and allocation of its model portfolios. For individual clients, investment management will often occur at a household level and will be based on personal information provided by the client. Regarding trading authorization, “discretionary” and “non-discretionary” are financial industry terms. “Discretionary trading authorization” allows AdvisorNet to make trading decisions and execute trades without a client’s prior verbal consent. “Non- discretionary trading authorization” requires a client’s prior verbal consent as to the purchase or sale of a definite amount of a particular security. As a sub-advisor, AdvisorNet provides investment management services on a discretionary basis. Types of Managed (Supervised) Investments. AdvisorNet manages a wide range of various types of investments according to a client’s goals and objectives. Some of these investments may include, but are not limited to: mutual funds, general securities, fixed income securities, exchange traded funds. AdvisorNet will have some limitations on the types of investments it agrees to manage, but these will generally be investment types which are not widely held. Investments which AdvisorNet manages may be held in various types of accounts. These include but are not limited to brokerage accounts which AdvisorNet may recommend. Please Also Note: As a Sub-Advisor, AdvisorNet partners with Investment Advisors who may recommend the services of one or more third party money managers to serve as a sub-advisor to provide certain clients with third party money management for some or all of the assets held in such clients’ accounts. Services by us as a sub-advisor will generally include, for additional fees, portfolio analysis, asset allocation modeling and analysis, trading execution and other services. We, as sub—advisor, will generally have discretion to execute transactions on the client’s behalf. In such sub-advisor programs, the Investment Advisor and us, as sub-advisor, are co-fiduciaries. This means that AdvisorNet, along with the Investment Advisor, are jointly responsible for the ongoing management of the client’s account. Mutual and Exchange Traded Funds: Most mutual funds and exchange traded funds are available directly to the public. Thus, a prospective client can obtain many of the funds that may be utilized by AdvisorNet Wealth Partners independent of engaging AdvisorNet Wealth Partners as an investment advisor. However, if a prospective client determines to do so, he/she will not receive AdvisorNet Wealth Partners’ initial and ongoing investment advisory services. Please Note-Use of DFA Mutual Funds: AdvisorNet Wealth Partners utilizes mutual funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers approved by DFA. Thus, if the client was to terminate AdvisorNet Wealth Partners’ services, and transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds, will generally apply. Please Also Note: In addition to AdvisorNet Wealth Partners’ investment advisory fee described below, and transaction and/or custodial fees discussed below, 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). AdvisorNet Wealth Partners’ Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above. ADV2A v.03.XX.2026 Page 3 of 12  Custodian Charges-Additional Fees: Custodians generally charge transaction fees for effecting securities transactions. In addition to AdvisorNet Wealth Partners’ investment advisory fee referenced in Item 5 below, the client will also incur transaction fees to purchase securities for the client’s account (i.e., mutual funds, exchange traded funds, individual equity and fixed income securities, etc.) AdvisorNet Wealth Partners’ Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above. Portfolio Activity. Along with your Investment Advisor, AdvisorNet Wealth Partners has a co-fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, AdvisorNet Wealth Partners 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, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when AdvisorNet Wealth Partners determines that changes to a client’s portfolio are neither necessary nor prudent. Clients are still subject to the fees described in Item 5 below, even during periods of account inactivity. Of course, as indicated below, there can be no assurance that investment decisions made by AdvisorNet Wealth Partners will be profitable or equal any specific performance level(s). ERISA / IRC Fiduciary Acknowledgment. If the client is: (i) a retirement plan (“Plan”) organized under the Employee Retirement Income Security Act of 1974 (“ERISA”); (ii) a participant or beneficiary of a Plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code, with authority to direct the investment of assets in his or her Plan account or to take a distribution; (iii) the beneficial owner of an Individual Retirement Account (“IRA”) acting on behalf of the IRA; or (iv) a Retail Fiduciary with respect to a plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code: then AdvisorNet represents that it and its representatives are fiduciaries under ERISA or the Internal Revenue Code, or both, with respect to any investment advice provided by AdvisorNet or its representatives or with respect to any investment recommendations regarding an ERISA Plan or participant or beneficiary account. C. Client Obligations. In performing any of its services, AdvisorNet will not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely on such information. Moreover, each client is advised that it remains his/her/its responsibility to promptly notify AdvisorNet if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising AdvisorNet’s previous recommendations and/or services. Trade Names. AdvisorNet and/or its representatives may use the following trade names in association with providing the sub- advisor services set forth in this Brochure: PORTFOLIO PARTNERS, ADVISORNET FINANCIAL. AdvisorNet will provide sub-advisor services specific to the needs of each client. Prior to providing sub-advisor services AdvisorNet will ascertain each client’s investment objective(s). AdvisorNet will then allocate and/or recommend that the client allocate investment assets consistent with the client’s investment objective(s) into a specified model portfolio. The client may, at any time, impose reasonable restrictions, in writing, on AdvisorNet’s services. D. As of December 31, 2025, AdvisorNet managed approximately $3,143,415,615 on a discretionary basis and $6,083,174 on a non-discretionary basis. ADV2A v.03.XX.2026 Page 4 of 12  Item 5 Fees and Compensation A. Fee Calculation: The fee charged is calculated as described below and is not charged on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of an advisory client. Our fee rate is calculated based on a fixed percentage of all assets under management. When a client determines to engage AdvisorNet to provide discretionary investment management services, AdvisorNet’s annual investment management fee is non-negotiable and is based upon an annual percentage of the market value of the assets placed under AdvisorNet’s management. The fee that AdvisorNet receives for our discretionary investment management service is 0.20% percent (20 basis points) of the clients’ Assets Under Management (AUM), assigned to AdvisorNet. Please Note: AdvisorNet’s annual investment management fee does not cover fees or costs such as, but not limited to Investment Advisor fees, trade execution fees, custody and brokerage costs, reporting fees, fund management fees, fund expenses, prime brokerage fees, exchange fees, regulatory fees, custodial account administration costs. These costs will be in addition to AdvisorNet’s annual investment management fee and will be the client’s responsibility. Please Note: AdvisorNet considers cash to be an asset class and counts cash values toward its assets under management; therefore, cash is included in fee calculations for clients. At certain times during low interest rate environments, the portion of fees that are attributed to cash assets will exceed the money market yield. AdvisorNet has a policy in place to monitor cash holdings that represent substantial portions of client portfolios. B. Clients may elect to have AdvisorNet’s management fees deducted from their custodial account by their Investment Advisor, who will remit payment to us for sub-advisor services. In the limited event that AdvisorNet bills the client directly, payment is due upon receipt of the invoice. C. Unless the client directs otherwise or an individual client’s circumstances require, AdvisorNet shall generally recommend that Schwab, Fidelity, Pershing (collectively the “Custodians”) serve as the broker-dealer/custodian for client investment management assets. Custodians such as Schwab, Fidelity, or Pershing charge brokerage commissions and/or transaction fees for effecting certain securities transactions (i.e., transaction fees are charged for certain no-load mutual funds, commissions are charged for individual equity and fixed income securities transactions). In addition to AdvisorNet’s investment management fee, 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). D. AdvisorNet’s annual investment management fees will generally be prorated as applicable and paid quarterly, in advance or arrears, as indicated in the Investment Management Agreement between AdvisorNet or the Investment Advisor and the client, and in all amendments thereto. Fees paid in advance are based upon the market value of the assets on the last business day of the previous quarter. For partial initial quarters, fees for such accounts are paid in arrears. Fees paid in arrears are based upon either the average daily balance (portfolio value) of the account assets during the previous quarter, or the market value of the account assets as of more specific dates (generally dates of deposit and/or quarter-end dates), as determined and consistently applied by AdvisorNet in regard to all similarly situated clients. The Investment Management Agreement between AdvisorNet and the client will continue in effect until terminated by either party by written notice in accordance with the terms of the Investment Management Agreement. Upon termination, AdvisorNet will refund the pro-rated portion of the advanced management fee paid based upon the number of days remaining in the billing quarter. Please note: AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding AdvisorNet’s billing policies and methodologies. Please Note: Lower fees for comparable investment management services may be available from other sources. E. AdvisorNet, acting as a sub-advisor, does not accept compensation for the sale of securities or other investment products. ADV2A v.03.XX.2026 Page 5 of 12  Item 6 Performance-Based Fees and Side-by-Side Management Neither AdvisorNet nor any supervised person of AdvisorNet accepts performance-based fees; however, investment management fees may be based upon the total value of assets averaged over a definite period, or as of definite dates, or taken as of a definite date. Item 7 Types of Clients AdvisorNet’s clients shall generally include individuals, trusts and for-profit and non-profit business entities. These entities may include, but may not be limited to, qualified plans, corporations and other business entities. AdvisorNet does not generally require an annual minimum fee or asset level for investment management services. Item 8 Methods of Analysis, Investment Strategies and Risk of Loss A. Investing, by its very nature, involves exchanging risk for potential reward in varying degrees. In many cases, the risks borne by investing include potential loss of principal. AdvisorNet often employs numerous philosophies, tools and strategies in managing investments and their associated risks; your advisor may use any, all or none of the following: Technical Analysis This type of analysis utilizes statistics to determine trends in security prices. Technical analysis tends to focus on factors such as trading volume, demand and security price fluctuations. This type of analysis is also commonly referred to as chart analysis due to the fact that this analysis tends to review various historical charts and graphs. Behavioral Finance A field of finance that proposes psychology-based theories to explain stock market anomalies. Within behavioral finance, it is assumed that the information structure and the characteristics of market participants systematically influence individuals' investment decisions as well as market outcomes. Fundamental Analysis This type of analysis concentrates on historical and current data. Earnings, a company’s financial statements and the quality of a company’s management are examples of such data. These quantitative factors are then used to attempt to determine the financial strength of a company and its financial forecast. Modern Portfolio Theory (MPT) MPT assumes that investors are risk adverse, meaning that given two assets that offer the same expected return, investors will prefer the less risky one. Thus, an investor will take on increased risk only if compensated by higher expected returns. Conversely, an investor who wants higher returns must accept more risk. Therefore, MPT aims to construct a combination portfolio of assets that has the best possible expected level of return for its level of risk. Asset Allocation Research has shown that it is nearly impossible to consistently predict the future direction of a security or of the market in general. As such, it is unlikely that all of your investments will “beat the market” consistently. Studies have shown that the selection of investments across asset classes is more contributive to managing portfolio volatility than investments within asset classes. Diversification If you invest in a portfolio or strategy that is made up of a small number of positions, few sectors or few industries, your portfolio will be more likely to sharply increase or decrease in value. Concentrated strategies are more volatile because the risk associated with each position represents a large percentage of your overall portfolio value. On the contrary, diversification by holding smaller percentages of your overall portfolio in any one position may often decrease your portfolio’s volatility and may substantially reduce idiosyncratic risks (risks that affect a very small number of assets.) ADV2A v.03.XX.2026 Page 6 of 12  Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by AdvisorNet) will be profitable or equal at any specific performance level(s). B. AdvisorNet’s methods of analysis and investment strategies do not present any significant or unusual risks. However, every method of analysis has its own inherent risks. To perform an accurate market analysis, AdvisorNet must have access to current/new market information. AdvisorNet has no control over the dissemination rate of market information; therefore, unbeknownst to AdvisorNet, certain analyses may be compiled with outdated market information, severely limiting the value of AdvisorNet’s analysis. Furthermore, an accurate market analysis can only produce a forecast of the direction of market values. There can be no assurances that a forecasted change in market value will materialize into actionable and/or profitable investment opportunities. Every investment strategy has its own inherent risks and limitations. For example, longer-term investment strategies require a longer investment time period to allow for the strategy to potentially develop. Shorter-term investment strategies require a shorter investment time period to potentially develop but, as a result of more frequent trading, may incur higher transactional costs when compared to a longer-term investment strategy. AdvisorNet relies on the use and operation of different computer hardware, software and online systems to varying degrees. The following cybersecurity risks are inherent to all such programs and are enhanced for online systems: unauthorized access to or corruption, deletion, theft or misuse of confidential information relating to the Firm and its clients; and compromises or failures of systems, networks, devices or applications used by the Firm or its vendors to store, process, or transmit Firm or client information or otherwise support the Firm’s operations. AdvisorNet also relies on third-party vendors to support certain functions. By relying on vendors, the Firm reduces its level of control over services rendered. If a vendor fails to perform its obligations in a timely manner or at satisfactory quality levels, the Firm will be unable to provide investment advice in a manner consistent with is disclosures to clients. In an ongoing effort to identify and mitigate risk, and to meet regulatory requirements, periodic assessments are performed on the third- party vendors that AdvisorNet utilizes which have access to sensitive Firm and client information. C. Currently, AdvisorNet primarily allocates client investment assets among various individual equity (stocks), debt (bonds), fixed income securities, collateralized mortgage obligations, mutual funds and/or exchange traded funds (“ETFs”) (including inverse ETFs and/or mutual funds that are designed to perform in an inverse relationship to certain market indices), on a discretionary and non-discretionary basis in accordance with the client’s designated investment objective(s). Item 9 Disciplinary Information AdvisorNet has not been the subject of any disciplinary actions. Item 10 Other Financial Industry Activities and Affiliations A. Many of AdvisorNet’s management persons are registered representatives of Cetera Advisor Networks, a FINRA member broker-dealer, or investment adviser representatives of Cetera Investment Advisers LLC, an SEC registered investment adviser. B. Neither AdvisorNet nor its management persons are registered, or have an application pending to register, as a futures commission merchant, commodity pool operator, a commodity trading advisor, or a representative of the foregoing. C. AdvisorNet, as a sub-advisor, does not maintain any material relationships with a related person that would create a material conflict of interest. D. AdvisorNet, when acting as sub-advisor, does not receive compensation directly or indirectly from recommending or selecting other investment advisers. ADV2A v.03.XX.2026 Page 7 of 12  Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. AdvisorNet maintains a policy relative to personal securities transactions. This investment policy is part of AdvisorNet’s overall Code of Ethics, which serves to establish a standard of business conduct for all of AdvisorNet’s representatives that is based upon fundamental principles of openness, integrity, honesty and trust, a copy of which is available upon request. AdvisorNet also maintains and enforces written policies reasonably designed to prevent the misuse of material non-public information by AdvisorNet or any person associated with AdvisorNet. B. Neither AdvisorNet nor any related person of AdvisorNet recommends, buys, or sells for client accounts, securities in which AdvisorNet or any related person of AdvisorNet has a material financial interest. C. AdvisorNet and/or representatives of AdvisorNet may buy or sell securities that are also recommended to clients. This practice may create a situation where AdvisorNet and/or representatives of AdvisorNet 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 AdvisorNet 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 AdvisorNet’s clients) and other potentially abusive practices. AdvisorNet has a personal securities transaction policy in place to monitor the personal securities transactions and securities holdings of each of AdvisorNet’s “Access Persons.” AdvisorNet’s securities transaction policy requires that an Access Person of AdvisorNet must 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 or visibility to their current securities holdings at least once each twelve (12) month period thereafter on a date AdvisorNet selects. D. AdvisorNet and/or representatives of AdvisorNet may buy or sell securities, at or around the same time as those securities are recommended to clients. This practice creates a situation where AdvisorNet and/or representatives of AdvisorNet are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a conflict of interest. AdvisorNet believes it has disclosed in this brochure all material conflicts regarding its investment advisory activities, its representatives and employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. Item 12 Brokerage Practices A. In the event that the client requests that AdvisorNet recommend a broker-dealer/custodian for execution and/or custodial services (exclusive of those clients that may direct AdvisorNet to use a specific broker-dealer/custodian), AdvisorNet generally recommends that investment management accounts be maintained at the Schwab Advisor Services division of Schwab (Schwab), Fidelity Clearing & Custody Solutions (Fidelity), , or at Pershing Advisor Solutions LLC (Pershing). At other times, an Investment Advisor may require that a client use particular Custodians as the client’s broker-dealer/custodian, should the client want that particular Investment Advisor to manage the client’s investments. Clients are under no obligation to have AdvisorNet or the Investment Advisor manage their investments, however, in some cases, if a client wants a particular representative to manage the client’s investments, it may be necessary for the client to use the custodian required by such Investment Advisor. Prior to engaging AdvisorNet or Investment Advisor to provide investment management services, the client will generally be required to enter into a formal Investment Management Agreement with AdvisorNet setting forth the terms and conditions under which AdvisorNet and/or the Investment Advisor shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer/custodian. Factors that AdvisorNet considers in recommending or requiring any Custodian (or any other broker-dealer/custodian to clients) include historical relationship with AdvisorNet or its representatives, financial strength, reputation, execution capabilities, pricing, research, and service. Although the commissions and/or transaction fees paid by AdvisorNet's clients shall comply with AdvisorNet's duty to obtain best execution, a client may pay a commission that is higher than another ADV2A v.03.XX.2026 Page 8 of 12  qualified broker-dealer might charge to effect the same transaction where AdvisorNet determines, in good faith, that the commission/transaction fee is reasonable in relation to the value of the brokerage and research services received. 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 AdvisorNet 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, AdvisorNet's investment management fee. Custodians help facilitate the correction of trades which are entered in error. When trade error corrections result in financial gains, the custodians have internal policies to remove such gains from the clients’ accounts and transfer them to charitable organizations. When trade error corrections result in financial losses, the custodians remove the losses from the clients’ accounts and transfer them to AdvisorNet’s error account; AdvisorNet covers the losses in the error account and passes the cost along to its Investment Adviser Representatives. 1. As described above, AdvisorNet, through the Investment Advisor, will generally utilize brokerage accounts at various Custodians to maintain custody of clients’ assets and to effect trades for their accounts. AdvisorNet is independently owned and operated and not affiliated with the Custodians. For AdvisorNet client accounts maintained in their custody, Custodians generally do not charge separately for custody but are compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Schwab, or Pershing or that settle into Schwab, Fidelity or Pershing accounts. Custodians provide services that directly benefit clients and their accounts, and also provide certain payments and services that more directly benefit AdvisorNet and its advisors. Services that directly benefit clients and their accounts include those that assist AdvisorNet in managing and administering clients’ accounts. These other products and services include software and other technology that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), provide research, pricing information, and other market data, facilitate payment of AdvisorNet’s fees from its clients’ accounts, and assist with back-office functions, recordkeeping and other client reporting. These services directly benefit clients and their accounts. Custodians also offer services, purchase or provide software and other items, and make payments intended to support AdvisorNet’s management of client accounts and development of its business enterprise. These purchases and payments present a conflict of interest to the extent that they support our business but may not provide clients with a direct benefit. Items purchased or provided by Custodians (directly or indirectly) include: • • Compliance, legal and business consulting; Publications, conferences and educational events on practice management, business succession, information technology, marketing and other business practice matters; Software or access to third-party technology providers; Employee benefits providers, human capital consultants and insurance providers; Third-party vendors for other services rendered to AdvisorNet; • • Occasional business entertainment and business promotional items for AdvisorNet personnel and advisors; • • • Discount or waived fees Custodians would otherwise charge; • • Reimburse or otherwise credit account exit fees charged by a prior custodian, or pay for other related assistance, upon transfer of an account to Custodians; and Payment for certain transaction pricing and certain technology and account transfer costs, may be paid based upon AdvisorNet placing or maintaining a certain minimum amount of assets in custody. AdvisorNet and its representatives have a conflict of interest as these arrangements incent them in recommending or requiring that clients establish brokerage accounts at Custodians. We want to assure that Clients understand the conflict of interest and are able to ask questions and get additional information. If you have any questions on these incentives or desire additional information, please contact your advisor or AdvisorNet’s Chief Compliance Officer. ADV2A v.03.XX.2026 Page 9 of 12  In evaluating whether to recommend or require that clients custody their assets at any Custodian AdvisorNet may take into account the availability of some of the foregoing products and services and other arrangements as part of the total mix of factors it considers and not solely on the nature, cost or quality of custody and brokerage services provided by the Custodian which may create a potential conflict of interest. Specifically, Schwab, Pershing and Fidelity have agreed to periodically provide AdvisorNet with technology and other vendor benefits based upon the amount of new client assets AdvisorNet introduces to each custodian for custody services. The Firm’s receipt of these benefits raises a conflict of interest because AdvisorNet has an economic incentive to recommend that clients use these custody services for their investment accounts. Additionally, Schwab provides AdvisorNet with access to its institutional trading and custody services, which are not typically available to Schwab retail investors. These services generally are available to independent investment advisors on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the advisor’s clients’ assets are maintained in accounts at Schwab Advisor Services, and are not otherwise contingent upon an advisor committing to Schwab any specific amount of business (assets in custody or trading). Schwab’s services include brokerage, custody, research, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. AdvisorNet strives to meet its duty to act in the best interests of its clients even with receipt of these benefits. Specifically, AdvisorNet had developed policies and procedures to monitor the activities of the Custodians and assure that they are providing services in a reasonable manner. This includes policies and procedures to monitor the best execution of transactions effectuated by the Custodians. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangements and the corresponding conflicts of interest presented by such arrangements. (See also, Item 14.A, below.) 2. AdvisorNet does not receive client referrals from broker-dealers. 3. a. Investment Advisors may choose to effect trades at various broker-dealers, and investment assets may be held at custodians, other than Schwab, Fidelity or Pershing. The brokerage practices of Investment Advisors will generally be disclosed in their respective Disclosure Brochures, and such parties will generally be required to seek best execution for such transactions. b. AdvisorNet 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 AdvisorNet 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 AdvisorNet. 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. Please Note: In the event that the client or Investment Advisor directs AdvisorNet to effect securities transactions for the client's accounts through a specific broker-dealer, the client correspondingly 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 through AdvisorNet. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangements and the corresponding conflicts of interest presented by such arrangements. B. To the extent that AdvisorNet provides sub-advisor services to its clients, AdvisorNet will typically (but is not obligated to) combine or “bunch” such orders to obtain best execution, to negotiate more favorable commission rates or to allocate equitably among AdvisorNet’s clients’ differences in prices and commissions or other transaction costs that might have been obtained had such orders been placed independently. Under this procedure, transactions will be averaged as to price and will be allocated among ADV2A v.03.XX.2026 Page 10 of 12  clients in proportion to the purchase and sale orders placed for each client account on any given day. AdvisorNet shall not receive any additional compensation or remuneration as a result of such aggregation. Item 13 Review of Accounts A. For those clients to whom AdvisorNet provides sub-advisor services, account reviews are conducted on a periodic basis by AdvisorNet's representatives and by one or more Supervisors. Such reviews generally occur at least annually, but certain monthly and quarterly reviews generally also occur. All investment management clients are advised that it remains their responsibility to advise AdvisorNet of any changes in their investment objectives and/or financial situation. All clients are periodically encouraged to review financial planning issues (to the extent applicable), investment objectives and account performance with AdvisorNet or their representative. B. AdvisorNet may conduct account reviews on an other-than-periodic basis upon the occurrence of a triggering event, such as a change in client investment objectives and/or financial situation, market corrections and client request. C. Clients are provided, at least quarterly, with written transaction confirmation notices and regular written summary account statements directly from the broker-dealer/custodian and/or program sponsor for the client accounts. Item 14 Client Referrals and Other Compensation A. AdvisorNet receives direct and indirect economic benefits from the Custodians as outlined in Item 12, Brokerage Practices. These benefits may either directly benefit clients to the extent that they provide required services at lower costs or directly benefit AdvisorNet to the extent they support its business activities or advisors. These benefits provide an incentive for AdvisorNet’s selection of these Custodians. The Custodians provide AdvisorNet with benefits it may not receive from other firms, and which AdvisorNet may otherwise have to pay for at its own expense. While, as a fiduciary, AdvisorNet endeavors to act in its clients’ best interests in evaluating whether to recommend or require that clients custody their assets at these Custodians, AdvisorNet may take into account the availability of some of these products and services and other arrangements as part of the total mix of factors it considers and not solely on the nature, cost or quality of custody and brokerage services provided by Custodians. These benefits, to the extent they do not provide a direct benefit to the client, creates a conflict of interest. However, please note that there are no arrangements made by AdvisorNet with Custodians to provide AdvisorNet with incentives to invest any specific amount or percentage of client assets in any specific mutual funds, securities or other specific investment products. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangements and the corresponding conflicts of interest presented by such arrangements. B. AdvisorNet, acting as a sub-advisor, does not directly or indirectly compensate for client referrals. Item 15 Custody It is AdvisorNet’s policy not to accept physical custody of clients’ securities, funds or assets. AdvisorNet shall have the ability to have its management fee for each client debited by the custodian on a quarterly basis. Clients are provided, at least quarterly, with written transaction confirmation notices and regular written summary account statements directly from the broker- dealer/custodian and/or program sponsor for the client accounts. Item 16 Investment Discretion Prior to AdvisorNet assuming discretionary authority over a client’s account, the client shall be required to execute an Investment Management Agreement, naming AdvisorNet as the client’s attorney and agent in fact, granting AdvisorNet full authority to buy, sell, or otherwise effect investment transactions involving the assets in the client’s name found in the discretionary account. Clients who engage AdvisorNet on a discretionary basis may, at any time, impose reasonable restrictions, in writing, on AdvisorNet’s discretionary authority (i.e., limit the types/amounts of particular securities purchased for their account, exclude the ability to purchase securities with an inverse relationship to the market, limit or proscribe AdvisorNet’s use of margin, etc.). In addition, under ADV2A v.03.XX.2026 Page 11 of 12  both discretionary and non-discretionary Investment Management Agreements, the client may grant AdvisorNet limited trading discretion to liquidate securities in an amount generally sufficient to cover AdvisorNet’s investment management fees, if the client’s account(s) do not maintain sufficient cash or money market fund balance(s) to cover such fees. Item 17 Voting Client Securities AdvisorNet shall have no responsibility to vote proxies for the accounts and securities with respect to which it has been designated as Sub-Adviser. The Client or Adviser, as expressed in the Advisers agreement with the Client, shall be responsible for: (1) directing the manner in which proxies solicited by issuers of securities beneficially owned by Client shall be voted and (2) making all elections relative to any mergers, acquisitions, tender offers, bankruptcy proceedings or other type events pertaining to the assets assigned to AdvisorNet. AdvisorNet shall not be responsible for responding to any corporate action matters incident to the securities held in the Client Accounts including, without limitation, proofs of claim in bankruptcy, class action cases and other litigation. Item 18 Financial Information A. AdvisorNet does not require or solicit prepayment of fees of more than $1,200, per client, six months or more in advance. B. AdvisorNet is unaware of any financial condition that is reasonably likely to impair its ability to meet its contractual commitments relating to its discretionary authority over certain client accounts. C. AdvisorNet has not been the subject of a bankruptcy petition. Clients are always encouraged to contact their investment adviser representative or AdvisorNet with any questions or concerns regarding the services provided by AdvisorNet, or with any questions about information contained in this Brochure. At any time, you may contact AdvisorNet’s Chief Compliance Officer by any of the following means: Mail: 110 Cheshire Lane, Suite 200, Minnetonka, MN 55305 Email: wealthpartners@advisornet.com Phone: (612) 347-8600 ADV2A v.03.XX.2026 Page 12 of 12 

Item 1 Cover Page Form ADV Part 2A: Appendix 1 Wrap Fee Program Brochure AdvisorNet Wealth Partners 110 Cheshire Lane, Suite 200 Minnetonka, MN 55305 advisornet.com/wealth-partners-home/ Updated: 03/25/2026 This brochure provides information about the qualifications and business practices of AdvisorNet Wealth Partners (AWP). If you have any questions about the contents of this brochure, please contact us at (612) 347-8600 or wealthpartners@advisornet.c om. (See last page for additional contact information). 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. Additional information about AdvisorNet Wealth Partners is also available on the SEC’s website at www.adviserinfo.sec.gov. References herein to AdvisorNet Wealth Par tne r s as a “registered investment adviser” or any reference to being “registered” does not imply a certain level of skill or training. ADV2A Wrap v.03.XX.2026 Page 1 of 15  Item 2 Material Changes Since the last update to this Disclosure Brochure, no material changes have taken place. Item 3 Table of Contents Item 1 Cover Page 1 Item 2 Material Changes 2 Item 3 Table of Contents 2 Item 4 Services, Fees and Compensation 2 Item 5 Account Requirements and Types of Clients 4 Item 6 Portfolio Manager Selection and Evaluation 4 Item 7 Client Information Provided to Portfolio Managers 11 Item 8 Client Contact with Portfolio Managers 11 Item 9 Additional Information 11 Item 4 Services, Fees and Compensation A. INVESTMENT MANAGEMENT SERVICES The client can determine to engage AdvisorNet to provide discretionary and/or non-discretionary investment management services on a wrap fee basis. If a client determines to engage AdvisorNet on a wrap fee basis, the client will pay a single fee for bundled services (i.e., investment advisory, brokerage, custody). The services included in a wrap fee agreement will depend upon each client’s particular need. The fees charged, and method for calculation of those fees, will be stipulate d within each client’s Investment Management Agreement. ADVISORNET WEALTH PARTNERS WRAP FEE PROGRAM AdvisorNet is the sponsor and investment manager of the AdvisorNet Wealth Partners Wrap Program (hereinafter the “Program”). Under the Program, AdvisorNet is able to offer participants discretionary and/or non-discretionary investment management services, for a single specified annual Program fee, inclusive of trade execution, custody, reporting, and investment management fees. (i.e., all such costs are “wrapped” together.) The current annual Program fee is negotiable and is based upon a percentage (%) of the market value of the assets placed under AdvisorNet’s management. If AdvisorNet manages a client account under the Program on a discretionary basis, AdvisorNet shall be provided with written authority to determine the timing of transactions in addition to the type and amount of securities to be bought or sold. Any limitations on this discretionary authority shall be included in the written agreement between each client and AdvisorNet. Clients may change/amend these limitations, in writing, at any time. The client shall have reasonable access to one of AdvisorNet’s investment professionals to discuss their account. Charles Schwab & Co., Pershing Advisor Solutions LLC, Fidelity Clearing & Custody Solutions and Betterment LLC (collectively the “Custodians”) as the case may be, will generally serve as the custodian for Program accounts and, as such, will charge transaction/execution costs for equities transactions. Please note: Since such costs will be paid by AdvisorNet to the Custodians, and such funds will come out of Program fees, a potential disincentive to trade securities may be presented. Fee Calculation: The fee charged is calculated as described below and is not charged on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of an advisory client. Program fees may be based upon the total value of assets averaged over a definite period, or as of definite dates, or taken as of a specific date. The advisor and the client will determine the method for fee calculation choosing between flat fee, floating flat, tiered (blended) fee, or fixed flat fee ADV2A Wrap v.03.XX.2026 Page 2 of 15  basis as described below: 1. A fixed flat fee is a fixed annual dollar amount. 2. A flat fee rate is calculated based on a fixed percentage of all assets under management. 3. A floating flat rate – as the portfolio value reaches each threshold in the client’s fee schedule table, all assets are charged the successively lower percentages, and 4. A tiered fee - as the portfolio value reaches each threshold in the client’s fee schedule table, the assets above each threshold are charged successively lower percentages. Fee Payment: AdvisorNet’s annual investment management fees will generally be prorated as applicable and paid quarterly, in advance or arrears, as indicated in the Investment Management Agreement between AdvisorNet and the client, and in all amendments thereto. Fees paid in advance are based upon the market value of the assets on the last business day of the previous quarter. For partial initial quarters, fees for such accounts are paid in arrears. Fees paid in arrears are based upon either the average daily balance (portfolio value) of the account assets during the previous quarter, or the market value of the account assets as of more specific dates (generally dates of deposit and/or quarter-end dates), as determined, and consistently applied, by AdvisorNet in regard to all similarly situated clients. The Investment Management Agreement between AdvisorNet and the client will continue in effect until either party terminates it by providing written notice in accordance with the terms of the Investment Management Agreement. Upon termination, AdvisorNet will refund the pro-rated portion of the advanced management fee paid based upon the number of days remaining in the billing quarter. Note: AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding AdvisorNet’s billing policies and methodologies. Termination of Advisory Relationship: A client agreement may be canceled at any time, by either party, for any reason upon receipt of prior written notice. Upon termination of any account, any prepaid, unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. The client has the right to terminate an agreement without penalty within five (5) business days after entering into the agreement. MISCELLANEOUS Client Responsibilities: In performing any of its services, AdvisorNet shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. Furthermore, unless the client indicates to the contrary in writing, AdvisorNet shall assume that there are no restrictions on its services, other than to manage the account in accordance with the client’s investment objective. Moreover, it remains each client’s responsibility to promptly notify AdvisorNet if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising AdvisorNet’s previous recommendations and/or services. Please Note: Investment Performance: As a condition to participating in the Program, the participant must accept that past performance may not be indicative of future results, and understand that the future performance of any specific investment or investment strategy (including the investments and/or investment strategies purchased and/or undertaken by AdvisorNet ) may not: (1) achieve their intended objective; (2) be profitable; or (3) equal historical performance level(s) or any other performance level(s). B. Participation in the Program may cost more or less than purchasing such services separately. In addition, the Program fee charged by AdvisorNet for participation in the Program may be higher or lower than those charged by other sponsors of comparable wrap fee programs. Depending upon the percentage wrap-fee charged by AdvisorNet, the amount of portfolio activity in the client's account, and the value of custodial and other services provided, the wrap fee may or may not exceed the aggregate cost of such services if they were to be provided separately and/or if AdvisorNet were to negotiate transaction fees and seek best price and execution of transactions for the client's account. C. The Program’s wrap fee does not include certain charges and administrative fees, including but not limited to, transaction charges (including mark-ups and mark-downs) resulting from trades effected through or with a broker-dealer other than Custodian, transfer taxes, odd lot differentials, exchange fees, interest charges, American Depository Receipt agency processing fees, and any charges, taxes or other fees mandated by any federal, state or other applicable law or otherwise agreed to with regard to client accounts. Such fees and expenses are in addition to the Program’s wrap fee and are oftentimes embedded in the price of the security. D. AdvisorNet’s related persons who recommend the AdvisorNet Wrap Program to clients do not receive compensation as a ADV2A Wrap v.03.XX.2026 Page 3 of 15  result of a client’s participation in the Program. Wrap Program-Conflict of Interest. As discussed above, AdvisorNet provides services on a wrap fee basis as a wrap program sponsor. Under AdvisorNet’s wrap program, the client generally receives investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. Participation in a wrap program may cost the client more or less than purchasing such services separately. As also indicated above, the Program fee charged by AdvisorNet for participation in the Program may be higher or lower than those charged by other sponsors of comparable wrap fee programs. Because wrap program transaction fees and/or commissions are being paid by AdvisorNet to the account custodian/broker-dealer, AdvisorNet could have an economic incentive to minimize the number of trades in the client's account. AdvisorNet’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding a wrap fee arrangement and the corresponding conflict of interest a wrap fee arrangement may create. To conduct its everyday business, AdvisorNet may enter into service agreements with third party firms to provide various technology and administrative services for your account. These services include, but may not be limited to, transaction processing, account maintenance and performance reporting. Such third-party firms include custodians, broker-dealers, and companies which provide portfolio reporting and rebalancing services. Clients’ account data and other nonpublic personal information may be shared with, between, and/or by such third-party firms (See AdvisorNet’s Privacy Notice). Please Note: AdvisorNet Wealth Partners considers cash to be an asset class and counts cash values toward its assets under management; therefore, cash is included in fee calculations for clients who are charged flat, floating or tiered rates that vary based upon the client’s assets under management. At certain times during low interest rate environments, the portion of fees that are attributed to cash assets will exceed the money market yield. AdvisorNet Wealth Partners has a policy in place to monitor cash holdings that represent substantial portions of client portfolios. Item 5 Account Requirements and Types of Clients AdvisorNet’s clients shall generally include individuals, trusts and for-profit and non-profit business entities. These entities may include, but may not be limited to, qualified plans, corporations and other business entities. AdvisorNet does not generally require an annual minimum fee or asset level for clients to open or maintain a Program account. AdvisorNet, in its sole discretion, may charge a lesser investment management fee based upon certain criteria (i.e., anticipated future earning capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts, account composition, negotiations with client, etc.). Please Note: As a result of the above, similarly situated clients could pay different fees. In addition, similar advisory services may be available from other investment advisers for similar or lower fees. AdvisorNet’s Chief Compliance Officer remains available to address any questions that a client may have regarding its advisory fee schedule. Item 6 Portfolio Manager Selection and Evaluation A. AdvisorNet acts as the portfolio manager for the Program. As such, AdvisorNet and its representatives have day-to-day responsibility for the active discretionary and/or non-discretionary management of the Program assets. B. Because AdvisorNet acts as the portfolio manager for the Program, in as much as the execution costs for transactions effected in the client account will be paid by AdvisorNet, a potential conflict of interest arises in that AdvisorNet may have a disincentive to trade securities in the client account. In addition, the amount of compensation received by AdvisorNet as a result of the client’s participation in the Program may be more than what AdvisorNet would receive if the client paid separately for investment advice, brokerage and other services. C. As discussed below, AdvisorNet also offers to its clients discretionary and non-discretionary investment management services, and, to the extent specifically requested by a client, financial planning and related consulting services. ADVISORY BUSINESS SERVICES Investment Management Services ADV2A Wrap v.03.XX.2026 Page 4 of 15  The client can determine to engage AdvisorNet to provide discretionary and/or non-discretionary investment management services on a wrap or non-wrap fee basis. If the client determines to engage AdvisorNet on a non-wrap fee basis, the client will select individual services on an unbundled basis, paying for each service separately (i.e., investment advisory, brokerage, custody, etc.). AdvisorNet Wealth Partners Wrap Fee Program AdvisorNet provides investment management services on a wrap fee basis in accordance with the Program. Under the Program, AdvisorNet is able to offer participants discretionary and/or non-discretionary investment management services, for a single specified annual Program fee, inclusive of trade execution, custody, reporting, and investment management fees. The current annual Program fee is negotiable and is based upon a percentage (%) of the market value of the assets placed under AdvisorNet’s management, which fee shall not exceed 2.50%. There is no platform or other fees that we charge in addition to the negotiated Program fee to participate. In some cases, the Program fee may be identical to the investment management fee on a non-wrap basis. The fees charged and method for calculation will be stipulated within each client’s Investment Management Agreement. Please Note: Wrap Program Conflict. Participation in the Program may cost more or less than purchasing such services separately. The Program fee that we charge for participation in the Program may be higher or lower than those charged by other sponsors of comparable wrap fee programs. When managing a client’s account on a wrap fee basis, we shall receive as payment for our investment advisory services, the balance of the Program fee after all wrap-fee costs (including account transaction fees) have been deducted. Accordingly, we have a conflict of interest because we could have an economic incentive to maximize our compensation by seeking to minimize the number of transactions/total costs in the client's account. AdvisorNet’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the corresponding conflict of interest a wrap fee arrangement may create. Please Note: Non-Discretionary Service Limitations. Clients that determine to engage AdvisorNet on a non-discretionary investment management basis must be willing to accept that AdvisorNet cannot effect any account transactions without obtaining prior verbal consent from the client as to the purchase or sale of a definitive amount of a particular security. Thus, in the event of a market correction during which the client is unavailable, AdvisorNet will be unable to effect any account transactions (as it would for its discretionary clients) without first obtaining the client’s verbal consent. independent investment managers Independent Managers. AdvisorNet may allocate (and/or recommend that the client allocate) a portion of a client’s in accordance with the client’s designated investment assets among unaffiliated investment objective(s). In such situations, the Independent Manager[s] shall have day-to-day responsibility for the active discretionary management of the allocated assets. AdvisorNet 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. Factors which AdvisorNet shall consider in recommending Independent Manager[s] include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. Please Note: The investment management fee charged by the Independent Manager[s]is separate from, and in addition to, AdvisorNet’s advisory fee (including the wrap advisory fee) as set forth in the fee schedule at Item 5 below. Portfolio Partners-Conflict of Interest. AdvisorNet may allocate and/or recommend that a client allocate assets to Portfolio Partners, an internal investment management team within AdvisorNet, in accordance with the client’s designated investment objective(s). In such situations, AdvisorNet shall pay a portion of the investment advisory fee received for these allocated assets to the Portfolio Partners team for its investment management services. Since AdvisorNet’s representatives who are a part of the Portfolio Partners team shall receive a portion of the advisory fee charged to the client in such situations, a material conflict of interest arises for the members of the Portfolio Partners team, as the recommendation to utilize the services of the Portfolio Partners team could be made on the basis of compensation to be received, rather than a client or prospective client’s best interests. Portfolio Partners may engage a third-party consultant to assist in the investment selection and allocation of its models portfolios. AdvisorNet’s Chief Compliance Officer remains available to address any questions regarding Portfolio Partners and the corresponding conflict of interest. Please Note: Use of Mutual Funds: Most mutual funds are available directly to the public. Thus, a prospective client can obtain many of the mutual funds that may be recommended and/or utilized by AdvisorNet independent of engaging AdvisorNet as an investment adviser. However, if a prospective client determines to do so, he/she will not receive AdvisorNet’s initial and ongoing investment advisory services. Separate Fees: All mutual funds (and exchange traded funds) impose fees at the fund level (e.g. management fees and other fund expenses). All mutual fund fees are separate from, and in addition to, AdvisorNet’s advisory fee as described at Item 5 below. The custodian may choose to offer multiple classes of the same mutual fund on ADV2A Wrap v.03.XX.2026 Page 5 of 15  their platform. Typically, a client will be charged a transaction fee for holding a share class with a lower expense ratio as opposed to a share class without a transaction fee with a higher expense ratio. Clients should be aware that the higher expense ratio share class will oftentimes be more costly if held long-term. AdvisorNet’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above. Retirement Plan and Participant Consulting (Stand-Alone) In addition to providing investment management services for a client’s qualified plan account as part of an Investment Management Agreement, as described above, AdvisorNet provides other non-discretionary qualified plan/pension consulting services on a stand- alone, separate fee basis. These services include assisting sponsors of self-directed retirement plans in various ways, including but not limited to, the selection and/or monitoring of investment alternatives (generally open-end mutual funds) from which plan participants choose in self-directing the investments for their individual plan retirement accounts. In addition, to the extent requested by the plan sponsor, AdvisorNet will provide participant education designed to assist participants in identifying the appropriate investment strategy for their retirement plan accounts. Under certain arrangements, AdvisorNet will also provide specific investment advice to qualified plan participants regarding plan assets. The terms and conditions of these services will be set forth in an agreement between AdvisorNet and the plan sponsor. In all cases, clients, including qualified plan participants, are free to accept or reject any advice or recommendations provided to them, and are further solely responsible for making any and all changes to, or effecting any and all transactions in, their qualified plan. AdvisorNet accepts no such responsibility in this regard. Please Note: Any such retirement plan and participant consulting services are provided on a “one-time”, “as requested”, or “regular/periodic” basis. Any services performed on an “as requested” or “regular/periodic” basis are not “on-going and continuous” in nature, as are AdvisorNet’s investment management services described above. Rather, services provided on a “regular/periodic” basis will only be based on client circumstances as of a specific date (i.e., a “snapshot in time”). Please Note: Retirement Rollovers-Potential for Conflict of Interest: 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 AdvisorNet recommends that a client roll over their retirement plan assets into an account to be managed by AdvisorNet, such a recommendation creates a conflict of interest if AdvisorNet will earn an advisory fee on the rolled over assets. In addition, the advisory fees associated with accounts that are managed by AdvisorNet will typically be more expensive than the fees incurred under most employer retirement plans. No client is under any obligation to rollover retirement plan assets to an account managed by AdvisorNet. AdvisorNet’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the potential for conflict of interest presented by such rollover recommendation. ERISA / IRC Fiduciary Acknowledgment. If the client is: (i) a retirement plan (“Plan”) organized under the Employee Retirement Income Security Act of 1974 (“ERISA”); (ii) a participant or beneficiary of a Plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code, with authority to direct the investment of assets in his or her Plan account or to take a distribution; (iii) the beneficial owner of an Individual Retirement Account (“IRA”) acting on behalf of the IRA; or (iv) a Retail Fiduciary with respect to a plan subject to Title I of ERISA or described in section 4975(e)(1)(A) of the Internal Revenue Code: then AdvisorNet represents that it and its representatives are fiduciaries under ERISA or the Internal Revenue Code, or both, with respect to any investment advice provided by AdvisorNet or its representatives or with respect to any investment recommendations regarding an ERISA Plan or participant or beneficiary account. AdvisorNet may charge a fixed or hourly fee for its consulting services. For its periodic investment monitoring services, AdvisorNet may charge an annual fee, billed in quarterly increments, and based on a percentage (generally varying between 0.75% and 1.50%) of the value of assets. Generally, the annual fixed fee for these services will not exceed $10,000. AdvisorNet also offers fee-based investment selection services for a fixed or hourly charge comparable to financial planning fees. AdvisorNet may charge a fixed fee for attendance at workshops or seminars, or it may charge fees to the entity or persons sponsoring such seminars. Fixed or hourly fees will be charged for the preparation of general financial planning information. With respect to advisory services provided to qualified plan trustees and participants, fees are charged on a fixed fee basis, or are based upon a percentage of the market value and type of assets in the applicable accounts. In other cases, fees are charged on either a fixed fee per participant basis or as a fixed amount based on the amount of plan participants, payable on a monthly or quarterly basis. All Financial Planning and Consulting fees are generally negotiable. ADV2A Wrap v.03.XX.2026 Page 6 of 15  Financial Planning and Consulting Services (Stand-Alone) To the extent requested by a client, AdvisorNet may determine to provide financial planning and/or consulting services on a stand-alone separate fee basis. These services may include both investment and non-investment-related matters. These services may also consist of planning and consulting on a “one-time”, “as requested”, or “regular/periodic” basis. Please Note: Any services performed on an “as requested” or “regular/periodic” basis are not “on-going and continuous” in nature, as are AdvisorNet’s investment management services described above. Rather, services provided on a “regular/periodic” basis will only be based on client circumstances as of a specific date (i.e., a “snapshot in time”). AdvisorNet also occasionally provides general financial planning information to businesses and other organizations, as well as workshops and seminars to the public related to financial and investment planning. AdvisorNet offers Estate Planning services included as part of our ongoing financial planning services to our clients that consist of education on estate planning topics and the collection of general information necessary to complete a new estate plan or review a current estate plan. AdvisorNet utilizes the services of Wealth.com and Trust & Will, third-party digital estate planning services for clients who have the need for estate planning review, creation or updates. Prior to engaging AdvisorNet to provide financial planning or consulting services, clients are generally required to enter into a written agreement with AdvisorNet setting forth the scope of the services to be provided, and other terms and conditions of the engagement (including termination). AdvisorNet usually charges a fixed fee for initial financial planning services. These fees generally range from $400 to $10,000, although in certain circumstances, depending on the size and complexity of the client’s estate and the level and scope of the financial services needed, may be as high as $100,000. Regular/periodic financial planning (e.g., review and updating services) is generally also charged on a fixed fee basis in the range of $150 to $4,000, depending upon the level and scope of the services and the professional rendering them. In some circumstances, AdvisorNet may charge on an hourly or monthly basis for financial planning services. In the event that AdvisorNet provides financial planning on an hourly rate basis, it is AdvisorNet’s policy that a maximum fee will be set and agreed to between the client and AdvisorNet. Hourly rates vary but generally will not exceed $300 per hour. In the event that AdvisorNet provides financial planning on a monthly basis, it is AdvisorNet’s policy that regular/periodic advice or services are provided to the client. Generally, AdvisorNet requires at least one-half of the financial planning fee to be paid upon entering the written agreement. The balance is generally due upon delivery of the financial plan or completion of the agreed upon services. Miscellaneous Advisory Services Disclosure Recommending the Services of Other Professionals. If requested by the client, AdvisorNet may recommend the services of other professionals for the purpose of implementing various investment-related planning or consulting recommendations. This may include recommending AdvisorNet’s own representatives in their individual capacities as registered representatives of Cetera Wealth Services, LLC o r investment adviser representatives of Cetera Investment Advisers LLC (“Cetera Wealth Services”, “Cetera Investment Advisers”, “Cetera”) and/or as licensed insurance agents (See disclosure below). The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from AdvisorNet. Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. implementation purposes (i.e., attorneys, accountants, In addition, to the extent requested by the client, AdvisorNet may provide consulting services regarding non-investment related matters, such as estate planning, tax planning, insurance, etc. Neither AdvisorNet, nor any of its representatives, serves as an attorney or accountant under an AdvisorNet agreement, and no portion of AdvisorNet’s services should be construed to offer such services. To the extent requested by a client, AdvisorNet may recommend the services of other professionals for certain non-investment insurance agents, investment banking associates, etc.), including certain representatives of AdvisorNet in their separate registered/licensed capacities as discussed below. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from AdvisorNet. Please Note: If the client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. ADV2A Wrap v.03.XX.2026 Page 7 of 15  Trade Names. AdvisorNet and/or its representatives may use the following trade names in association with providing the services set forth in this Brochure: ADVANCED RETIREMENT RESOURCES, ADVANCED WEALTH MANAGEMENT GROUP, ADVANTAGE FINANCIAL PLANNING, AJW FINANCIAL, ALIGNED WEALTH PLANNING GROUP, ALPHA WEALTH ADVISORS, APEX WEALTH SERVICES, BOX FINANCIAL ADVISORS, BRUMBAUGH WEALTH MANAGEMENT, CALCULATED WEALTH PARTNERS, CLEARPATH WEALTH ADVISORS, DRACH FINANCIAL, EMPIRE ASSET MANAGEMENT GROUP, EXECUTIVE FINANCIAL SERVICES INC, EPOCH FINANCIAL GROUP, FINANCIAL CONSULTANTS OF RAPID CITY, FINANCIAL PLAN PARTNERS, HEMME WEALTH MANAGEMENT, JOSH WEBSKOWSKI, KESHEMBERG ADVISORY, LEWIS FINANCIAL ADVISORS, LLC, MATTSON WEALTH MANAGEMENT, MCCABE & ASSOCIATES, PEAK ADVISORY GROUP, PEAK PORTFOLIO MANAGEMENT, PLANVISER FINANCIAL, RICE CREEK WEALTH MANAGEMENT, ROBERT J. MCHATTIE, STILL WATERS PLANNING, STONEBRIDGE WEALTH PARTNERS, WALTER R. BOMGREN, WEINBACH INVESTMENT MANAGEMENT, LLC. Please Note: The above trade names are not an exhaustive list of the trade names that AdvisorNet and/or its representatives may use in association with providing the services set forth in this Brochure. The list of trade names set forth above will be revised on a periodic basis as trade names are added and/or deleted. Please Note: Trade Names. All such trade name entities are not affiliated with AdvisorNet or with any custodian or broker-dealer utilized by AdvisorNet. All investment management services provided under an agreement with AdvisorNet by the individuals associated with the trade name entities listed above are provided in their respective individual capacities as investment adviser representatives of AdvisorNet Financial, Inc., a registered investment adviser, with principal offices located at 110 Cheshire Lane, Suite 2 0 0 , Minne tonka, MN 5 5 3 0 5 (Phone 612.347.8600). AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above Trade Names. Types of Managed (Supervised) Investments. AdvisorNet manages a wide range of various types of investments according to a client’s goals and objectives. Some of these investments may include, but are not limited to: mutual funds, general securities, fixed income securities, collateralized mortgage obligations, exchange traded funds, sub-advisors, independent investment managers, insurance product sub-accounts, and/or programs, and select alternative investments. AdvisorNet will have some limitations on the types of investments it agrees to manage, but these will generally be investment types which are not known to be widely held. Please Note: On its client portfolio performance reports, AdvisorNet may also refer to managed investments as “supervised” investments. These are investments which are managed for a fee as agreed upon in AdvisorNet’s Investment Management A greement. While AdvisorNet may also agree to report on “unsupervised” investments, this would be offered as a convenience only. While AdvisorNet may consider such “unsupervised” investments in the overall picture of providing advice on managed or “supervised” investments, or in regard to separately agreed-upon financial planning or consulting services, AdvisorNet has no legal responsibility to manage, monitor, or otherwise supervise a client’s “unsupervised” investments, even if they appear on a client’s portfolio performance reports. For individual clients, investment management will often occur at a household level, and will be based on personal information provided by the client. Regarding trading authorization, “discretionary” and “non-discretionary” are financial industry terms. “Discretionary trading authorization” allows AdvisorNet to make trading decisions and execute trades without a client’s prior verbal consent. “Non-discretionary trading authorization” requires a client’s prior verbal consent as to the purchase or sale of a definite amount of a particular security. Again, AdvisorNet provides investment management services, both “wrap” and “non-wrap” on a wholly discretionary or wholly non- discretionary basis. AdvisorNet shall provide investment management services specific to the needs of each client. Prior to providing investment management services, an investment adviser representative will discuss with each client their particular investment objective(s). AdvisorNet shall allocate each client’s investment assets consistent with their investment objective(s). Clients may, at any time, impose restrictions, in writing, on AdvisorNet’s services. There is no material difference between how AdvisorNet manages wrap fee accounts and non-wrap fee accounts. However, as stated above, if a client determines to engage AdvisorNet on a wrap fee basis, the client will pay a single fee for bundled services (i.e., investment advisory, brokerage, custody) (See Item 4.A). The services included in a wrap fee agreement will depend upon each client’s particular needs. If the client determines to engage AdvisorNet on a non-wrap fee basis, the client investment advisory, will select individual services on an unbundled basis, paying for each service separately (i.e., brokerage, custody). Please Note: When managing a client’s account on a wrap fee basis, AdvisorNet shall receive as payment ADV2A Wrap v.03.XX.2026 Page 8 of 15  for its investment management services, the balance of the wrap fee after all other costs incorporated into the wrap fee have been deducted. AdvisorNet may recommend the services of one or more third party money managers to serve as a sub-advisor, in order to provide certain clients with third party money management for some or all of the assets held in such clients’ accounts. Services by such sub-advisors will generally include, for additional fees, (along with other services described in the sub-advisor’s disclosure documents), portfolio analysis, asset allocation modeling and analysis, trading execution and other services. Unless the client’s Investment Management Agreement states otherwise, such sub-advisors will generally have discretion to execute transactions on the client’s behalf. In such sub-advisor programs, AdvisorNet and the sub-advisor are co-fiduciaries. This means that AdvisorNet, along with the sub-advisor, are jointly responsible for the ongoing management of the client’s account. Performance Based Fees and Side-By-Side Management Neither AdvisorNet nor any supervised person of AdvisorNet accepts performance-based fees. Methods of Analysis, Investment Strategies and Risk of Loss Investing, by its very nature, involves exchanging risk for potential reward in varying degrees. In many cases, the risks borne by investing include potential loss of principal. AdvisorNet often employs numerous philosophies, tools and strategies in managing investments and their associated risks; your advisor may use any, all or none of the following: Technical Analysis This type of analysis utilizes statistics to determine trends in security prices. Technical analysis tends to focus on factors such as trading volume, demand and security price fluctuations. This type of analysis is also commonly referred to as chart analysis due to the fact that this analysis tends to review various historical charts and graphs. Behavioral Finance A field of finance that proposes psychology-based theories to explain stock market anomalies. Within behavioral finance, it is assumed that the information structure and the characteristics of market participants systematically influence individuals' investment decisions as well as market outcomes. Fundamental Analysis This type of analysis concentrates on historical and current data. Earnings, a company’s financial statements and the quality of a company’s management are examples of such data. These quantitative factors are then used to attempt to determine the financial strength of a company and its financial forecast. Modern Portfolio Theory (MPT) MPT assumes that investors are risk adverse, meaning that given two assets that offer the same expected return, investors will prefer the less risky one. Thus, an investor will take on increased risk only if compensated by higher expected returns. Conversely, an investor who wants higher returns must accept more risk. Therefore, MPT aims to construct a combination portfolio of assets that has the best possible expected level of return for its level of risk. Asset Allocation Research has shown that it is nearly impossible to consistently predict the future direction of a security or of the market in general. As such, it is unlikely that all of your investments will “beat the market” consistently. Studies have shown that the selection of investments across asset classes is more contributive to managing portfolio volatility than investments within asset classes. Diversification If you invest in a portfolio or strategy that is made up of a small number of positions, few sectors or few industries, your portfolio will be more likely to sharply increase or decrease in value. Concentrated strategies are more volatile because the risk associated with each position represents a large percentage of your overall portfolio value. On the contrary, diversification by holding smaller percentages of your overall portfolio in any one position may often decrease your portfolio’s volatility and may substantially reduce idiosyncratic risks (risks that affect a very small number of assets.) Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by AdvisorNet) will be profitable or equal any specific performance level(s). AdvisorNet’s methods of analysis and investment strategies do not present any significant or unusual risks. However, every method of analysis has its own inherent risks. To perform an accurate market analysis AdvisorNet must have access to ADV2A Wrap v.03.XX.2026 Page 9 of 15  current/new market information. AdvisorNet has no control over the dissemination rate of market information; therefore, unbeknownst to AdvisorNet, certain analyses may be compiled with outdated market information, severely limiting the value of AdvisorNet’s analysis. Furthermore, an accurate market analysis can only produce a forecast of the direction of market values. There can be no assurances that a forecasted change in market value will materialize into actionable and/or profitable investment opportunities. Every investment strategy has its own inherent risks and limitations. For example, longer-term investment strategies require a longer investment time period to allow for the strategy to potentially develop. Shorter-term investment strategies require a shorter investment time period to potentially develop but, as a result of more frequent trading, may incur higher transactional costs when compared to a longer-term investment strategy. AdvisorNet relies on the use and operation of different computer hardware, software and online systems to varying degrees. The following cybersecurity risks are inherent to all such programs and are enhanced for online systems: unauthorized access to or corruption, deletion, theft or misuse of confidential information relating to the Firm and its clients; and compromises or failures of systems, networks, devices or applications used by the Firm or its vendors to store, process, or transmit Firm or client information or otherwise support the Firm’s operations. AdvisorNet also relies on third-party vendors to support certain functions. By relying on vendors, the Firm reduces its level of control over services rendered. If a vendor fails to perform its obligations in a timely manner or at satisfactory quality levels, the Firm will be unable to provide investment advice in a manner consistent with is disclosures to clients. In an ongoing effort to identify and mitigate risk, and to meet regulatory requirements, periodic assessments are performed on the third-party vendors that AdvisorNet utilizes which have access to sensitive Firm and client information. In addition to the investment strategies discussed above, AdvisorNet may also implement and/or recommend short selling, use of margin, and/or options transactions. Each of these strategies has a high level of inherent risk. Short selling is an investment strategy with a high level of inherent risk. Short selling involves the selling of assets that the investor does not own. The investor borrows the assets from a third-party lender (i.e., Broker-Dealer) with the obligation of buying identical assets at a later date to return to the third-party lender. Individuals who engage in this activity shall only profit from a decline in the price of the assets between the original date of sale and the date of repurchase. Conversely, the short seller will incur a loss if the price of the assets rises. Other costs of shorting may include a fee for borrowing the assets and payment of any dividends paid on the borrowed assets. Margin is an investment strategy with a high level of inherent risk. A margin transaction occurs when an investor uses borrowed assets to purchase financial instruments. The investor generally obtains the borrowed assets by using other securities as collateral for the borrowed sum. The effect of purchasing a security using margin is to magnify any gains or losses sustained by the purchase of the financial instruments on margin. Please Note: To the extent that a client authorizes the use of margin, and margin is thereafter employed by AdvisorNet in the management of the client’s investment portfolio, the market value of the client’s account and corresponding fee payable by the client to AdvisorNet may be increased. As a result, in addition to understanding and assuming the additional principal risks associated with the use of margin, clients authorizing margin are advised of the potential conflict of interest whereby the client’s decision to employ margin may correspondingly increase the management fee payable to AdvisorNet. Accordingly, the decision as to whether to employ margin is left totally to the discretion of client. The use of option transactions as an investment strategy involves a high level of inherent risk. Option transactions establish a contract between two parties concerning the buying or selling of an asset at a predetermined price during a specific period of time. During the term of the option contract, the buyer of the option gains the right to demand fulfillment by the seller. Fulfillment may take the form of either selling or purchasing a security depending upon the nature of the option contract. Generally, the purchase or the recommendation to purchase an option contract by AdvisorNet shall be with the intent of “hedging” a potential market risk in a client’s portfolio or with the intent to generate income. Please Note: Although the intent of the options-related transactions that may be implemented by AdvisorNet is to hedge against principal risk, certain of the options-related strategies (i.e., straddles, short positions, etc.), may, in and of themselves, produce principal volatility and/or risk. Thus, a client must be willing to accept these enhanced volatility and principal risks associated with such strategies. In light of these enhanced risks, client may direct AdvisorNet, in writing, not to employ any or all such strategies for his/her/their /i ts accounts. Currently, AdvisorNet primarily allocates client investment assets among various individual equity (stocks), debt (bonds), and fixed income securities, mutual funds and/or exchange traded funds, on a discretionary and non-discretionary basis in ADV2A Wrap v.03.XX.2026 Page 10 of 15  accordance with the client’s designated investment objective(s). Voting Client Securities. AdvisorNet does not vote client proxies. Clients maintain exclusive responsibility for directing the manner in which proxies solicited by issuers of securities beneficially owned by the client shall be voted. Client may delegate decision making relative to any c or por ate r e or ganization or ac tions, suc h as mergers, acquisitions, tender offers, bankruptcy proceedings or other type events pertaining to the client’s investment assets. Clients are responsible for ensuring that they receive their proxies or other solicitations directly from their custodian. Clients may contact AdvisorNet to discuss any questions they may have on receiving proxies or other solicitations from the custodian or with a particular solicitation. Item 7 Client Information Provided to Portfolio Managers AdvisorNet shall be the Program’s portfolio manager. AdvisorNet shall provide investment management services specific to needs of each client. Prior to providing investment management services, an investment adviser representative will discuss with each client their particular investment objective(s). AdvisorNet shall allocate each client’s investment assets consistent with their investment objective(s). Clients may, at any time, impose restrictions, in writing, on AdvisorNet’s services. Note: as stated above, these services may also be provided by and through a third-party money manager sub-advisor. Each client is advised that it remains his/her/its responsibility to promptly notify AdvisorNet if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising AdvisorNet’s previous recommendations and/or services. Item 8 Client Contact with Portfolio Managers The client shall have, without restriction, reasonable access to the investment adviser representative(s) designated to the client account(s). Item 9 Additional Information A. AdvisorNet has not been the subject of any disciplinary actions. Other Financial Industry Activities and Affiliations Neither AdvisorNet, nor its representatives, are registered or have an application pending to register, as a futures commission merchant, commodity pool operator, a commodity trading advisor, or a representative of the foregoing. Registered Representatives. Many of AdvisorNet’s management persons and representatives are registered representatives of Cetera Wealth Services, LLC, which is a FINRA member broker-dealer. Clients may choose to engage certain of AdvisorNet’s representatives in their individual capacities as registered representatives of Cetera implement investment recommendations on a commission basis. Licensed Insurance Agency and Agents. AdvisorNet is a licensed insurance agency and has general agency or master insurance brokerage relationships with various insurance agencies. Additionally, some of AdvisorNet’s representatives, in their individual capacities, are licensed insurance agents with various companies, and in that capacity, may recommend the Clients can engage certain of AdvisorNet’s purchase of certain insurance-related products on a commission basis. representatives to purchase insurance products on a commission basis, including but not limited to fixed annuities, fixed index annuities and life insurance policies. A conflict of interest exists to the extent AdvisorNet or its representatives and other representatives may recommend the purchase of insurance through AdvisorNet or other associated insurance agencies, where AdvisorNet or such persons may receive commission, profits or other additional compensation from the pur c hase of such insurance products and services. (See below for additional information regarding conflicts of interest). Conflict of Interest: The recommendation by AdvisorNet’s representatives that a client purchase a securities or insurance commission product presents a conflict of interest, as the receipt of commissions may provide an incentive to recommend investment products based on commissions, profits or other additional compensation to be received, rather than on a particular ADV2A Wrap v.03.XX.2026 Page 11 of 15  client’s need. No client is under any obligation to purchase any commission products from AdvisorNet’s representatives. Clients are reminded that they may purchase securities or insurance products recommended by AdvisorNet through other non- affiliated broker-dealers or insurance agents, and that such products may also be available elsewhere at lower cost. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above conflict of interest. Investment Adviser Representatives of Cetera Investment Advisers. Certain AdvisorNet representatives are also investment adviser representatives of Cetera Investment Advisers, which is an SEC Registered Investment Adviser. In certain circumstances, AdvisorNet and/or its representatives may recommend that a client engage a representative of AdvisorNet in his or her capacity as an investment adviser representative of Cetera. In such a circumstance, the services to be performed by the representative will be performed on behalf of Cetera, and not AdvisorNet. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangement. AdvisorNet does not receive, directly or indirectly, compensation from investment advisers that it recommends or selects for its clients. AdvisorNet receives finders and/or referral fees from other Registered Investment Advisers for introducing clients for investment banking, financial planning or investment management services. These arrangements present conflicts of interest, as AdvisorNet representatives have an incentive to recommend these referral partners over other financial institutions. AdvisorNet believes it has disclosed in this brochure all material conflicts regarding its investment advisory activities, its representatives and employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading AdvisorNet maintains a policy relative to personal securities transactions. This policy is part of AdvisorNet’s overall Code of Ethics, which serves to establish a standard of business conduct for all of AdvisorNet’s representatives that is based upon fundamental principles of openness, integrity, honesty and trust, a copy of which is available upon request. AdvisorNet also maintains and enforces written policies reasonably designed to prevent the misuse of material non-public information by AdvisorNet or any person associated with AdvisorNet. Neither AdvisorNet nor any related person of AdvisorNet recommends, buys, or sells for client accounts, securities in which AdvisorNet or any related person of AdvisorNet has a material financial interest. AdvisorNet and/or representatives of AdvisorNet may buy or sell securities that are also recommended to clients. This practice may create a situation where AdvisorNet and/or representatives of AdvisorNet are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a potential 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 AdvisorNet 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 AdvisorNet’s clients) and other potentially abusive practices. AdvisorNet has a personal securities transaction policy in place to monitor the personal securities transactions and securities holdings of each of AdvisorNet’s “Access Persons.” AdvisorNet’s securities transaction policy requires that an Access Person of AdvisorNet must 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 or visibility to their current securities holdings at least once each twelve (12) month period thereafter on a date AdvisorNet selects; provided, however that at any time that AdvisorNet has only one Access Person, he or she shall not be required to submit any securities report described above. AdvisorNet and/or representatives of AdvisorNet may buy or sell securities, at or around the same time as those securities are recommended to clients. This practice creates a situation where AdvisorNet and/or representatives of AdvisorNet are in a position to materially benefit from the sale or purchase of those securities. Therefore, this situation creates a potential conflict of interest. As indicated above, AdvisorNet has a personal securities transaction policy in place to monitor the personal securities transaction and securities holdings of each of AdvisorNet’s Access Persons. ADV2A Wrap v.03.XX.2026 Page 12 of 15  Review of Accounts For those clients to whom AdvisorNet provides investment management services, account reviews are conducted on a periodic basis by AdvisorNet's representatives and by one or more Supervisors. Such reviews generally occur at least annually, but certain monthly and quarterly reviews generally also occur. All investment management clients are advised that it remains their responsibility to advise AdvisorNet of any changes in their investment objectives and/or financial situation. All clients (in person or via telephone) are encouraged to review financial planning issues (to the extent applicable), investment objectives and account performance with AdvisorNet on an annual basis. AdvisorNet may conduct account reviews on an other-than-periodic basis upon the occurrence of a triggering event, such as a change in client investment objectives and/or financial situation, market corrections and client request. Clients are provided, at least quarterly, with written transaction confirmation notices and regular written summary account statements directly from the broker-dealer/custodian and/or program sponsor for the client accounts. AdvisorNet may also provide a written periodic report summarizing account activity and performance. Client Referrals and Other Compensation In the event that the client requests that AdvisorNet recommend a broker-dealer/custodian for execution and/or custodial services (exclusive of those clients that may direct AdvisorNet to use a specific broker-dealer/custodian), AdvisorNet generally recommends that investment management accounts be maintained at the Custodians. At other times an AdvisorNet representative may require that a client use Custodians as the client’s broker-dealer/custodian, should the client want that particular representative to manage the client’s investments. Clients are under no obligation to have AdvisorNet or any of its representatives manage their investments, however, in some cases, if a client wants a particular representative to manage the client’s investments, it may be necessary for the client to use the custodian required by such representative. Prior to engaging AdvisorNet to provide investment management services, the client will be required to enter into a formal Investment Management Agreement with AdvisorNet setting forth the terms and conditions under which AdvisorNet shall manage the client's assets, and a separate custodial/clearing agreement with each designated broker-dealer/custodian. in good faith, that Factors that AdvisorNet considers in recommending/requiring Custodians (or any other broker-dealer/custodian to clients) include historical relationship with AdvisorNet or its representatives, financial strength, reputation, execution capabilities, pricing, research, and service. Although the commissions and/or transaction fees paid by AdvisorNet's clients shall comply with AdvisorNet's duty to obtain best execution, a client may pay a commission that is higher than another qualified broker- dealer might charge to effect the same transaction where AdvisorNet determines, the commission/transaction fee is reasonable in relation to the value of the brokerage and research services received. 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 AdvisorNet 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, AdvisorNet's investment management fee. AdvisorNet is independently owned and operated and not affiliated with the Custodians. For AdvisorNet client accounts maintained in their custody, Custodians generally do not charge separately for custody but are compensated by account holders through commissions or other transaction-related or asset-based fees for securities trades that are executed through Custodians or that settle into Custodian accounts. Custodians also make available to AdvisorNet other products and services that benefit AdvisorNet and some or all of its representatives, but may not benefit client accounts. Many of these other products and services, however, do assist AdvisorNet in managing and administering clients’ accounts. These other products and services include software and other technology that provide access to client account data (such as trade confirmations and account statements), facilitate trade execution (and allocation of aggregated trade orders for multiple client accounts), provide research, pricing information, and other market data, facilitate payment of AdvisorNet’s fees from its clients’ accounts, and assist with back-office functions, recordkeeping and other client reporting. Custodians help facilitate the correction of trades which are entered in error. When trade error corrections result in financial gains, the custodians have internal policies to remove such gains from the clients’ accounts and transfer them to charitable organizations. When trade error corrections result in financial losses, the custodians remove the losses from the clients’ accounts and transfer them ADV2A Wrap v.03.XX.2026 Page 13 of 15  to AdvisorNet’s error account; AdvisorNet covers the losses in the error account and passes the cost along to its Investment Adviser Representatives. Custodians offer other products and services intended to help AdvisorNet manage and further develop its business enterprise. These may include: (i) compliance, legal and business consulting; (ii) publications and conferences on practice management, business succession, information technology, and marketing; and (iii) access to employee benefits providers, human capital consultants and insurance providers. Custodians may make available, arrange and/or pay third-party vendors for the types of services rendered to AdvisorNet. Custodians may discount or waive fees they would otherwise charge for some of these services or pay all or part of the fees of a third party providing these services to AdvisorNet. Custodians may also reimburse or otherwise credit account exit fees charged by a prior custodian, or pay for other related assistance, upon transfer of an account to Custodians. AdvisorNet has arrangements with Custodians whereby certain transaction pricing offered by Custodians, and certain technology and account transfer costs, may be paid by Custodians based upon AdvisorNet placing or maintaining a certain minimum amount of assets in Custodian’s custody. AdvisorNet and its representatives may be influenced by these arrangements in recommending or requiring that clients establish brokerage accounts at Custodians, or Custodians may also provide other benefits such as educational events or occasional business entertainment to AdvisorNet personnel. In evaluating whether to recommend or require that clients custody their assets at Custodians, AdvisorNet may take into account the availability of some of the foregoing products and services and other arrangements as part of the total mix of factors it considers and not solely on the nature, cost or quality of custody and brokerage services provided by Custodians, which may create a potential conflict of interest. Specifically, Custodians have agreed to periodically provide AdvisorNet with technology and other vendor benefits based upon the amount of new client assets AdvisorNet introduces to each custodian for custody services. The Firm’s receipt of these benefits raises a conflict of interest because AdvisorNet has an economic incentive to recommend that clients use these custody services for their investment accounts. AdvisorNet’s receipt of these benefits does not diminish its duty to act in the best interests of its clients, including seeking best execution. AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangements and any corresponding perceived conflicts of interest such arrangements may create. Charles Schwab & Co provides AdvisorNet with access to its institutional trading and custody services, which are not typically available to Charles Schwab & Co retail investors. These services generally are available to independent investment advisers on an unsolicited basis, at no charge to them so long as a total of at least $10 million of the advisor’s clients’ assets are maintained in accounts at Charles Schwab & Co Advisor Services and are not otherwise contingent upon an advisor committing to Charles Schwab & Co any specific amount of business (assets in custody or trading). Charles Schwab & Co services include brokerage, custody, research, and access to mutual funds and other investments that are otherwise generally available only to institutional investors or would require a significantly higher minimum initial investment. AdvisorNet does not receive client referrals from broker-dealers. AdvisorNet may recommend certain third-party managed account programs or independent investment managers to its clients. In this event, AdvisorNet may introduce third parties, or such third parties may act as a sub-advisor for AdvisorNet. Such third-party programs or managers may choose to effect trades, which may result in additional fees, at various broker- dealers, and investment assets may be held at custodians, other than Custodians. The brokerage practices of such third parties will generally be disclosed in their respective Disclosure Brochures, and such parties will generally be required to seek best execution for such transactions. AdvisorNet 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 AdvisorNet 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 AdvisorNet. As a result, the 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. Please Note: In the event that the client directs AdvisorNet to effect securities transactions for the client's accounts through a specific broker-dealer, the client correspondingly 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 through AdvisorNet. ADV2A Wrap v.03.XX.2026 Page 14 of 15  AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above arrangement. To the extent that AdvisorNet provides investment management services to its clients, the transactions for each client account generally will be effected independently, unless AdvisorNet decides to purchase or sell the same securities for several clients at approximately the same time. AdvisorNet may (but is not obligated to) combine or “bunch” such orders to obtain best execution, to negotiate more favorable commission rates or to allocate equitably among AdvisorNet’s clients’ differences in prices and commissions or other transaction costs that might have been obtained had such orders been placed independently. Under this procedure, transactions will be averaged as to price and will be allocated among clients in proportion to the purchase and sale orders placed for each client account on any given day. AdvisorNet shall not receive any additional compensation or remuneration as a result of such aggregation. As stated above, AdvisorNet may receive direct or indirect economic benefits from Custodians. AdvisorNet, without cost (and/or at a discount), may receive support services and/or products from Custodians. AdvisorNet also has arrangements with Custodians whereby certain transaction pricing offered by Custodians, and certain technology and account transfer costs, may be paid by Custodians based upon AdvisorNet placing or maintaining a certain minimum amount of assets in Custodian’s custody. These benefits are a key reason for AdvisorNet’s selection of these Custodians. These Custodians provide AdvisorNet with benefits it may not receive from other firms, and which AdvisorNet may otherwise have to pay for at its own expense. While, as a fiduciary AdvisorNet endeavors to act in its clients’ best interests, in evaluating whether to recommend or require that clients custody their assets at Custodians, AdvisorNet may take into account the availability of some of these products and services and other arrangements as part of the total mix of factors it considers and not solely on the nature, cost or quality of custody and brokerage services provided by Custodians, which may create a potential conflict of interest. The above benefits are intended to support AdvisorNet in conducting its business and serving the best interests of clients. Many of the above benefits may generally help service all or many of AdvisorNet’s clients, although other benefits may not directly or indirectly help service particular clients or accounts. AdvisorNet’s clients do not pay more for investment transactions effected and/or assets maintained at Custodians as a result of the above economic benefits. There are no corresponding arrangements made by AdvisorNet to Custodians or any other entity to invest any specific amount or percentage of client assets in any specific mutual funds, securities or other investment products as a result of the above arrangements. AdvisorNet has a service fee agreement with a third-party vendor and will refer clients to utilize its deposit account sweep arrangement for the purposes of earning a rate of interest and FDIC insurance on cash balances. Clients have the option to select other sweep arrangements that are not subject to a service fee agreement and may pay a similar or higher rate of interest and FDIC insurance coverage. Pursuant to the service fee agreement, AdvisorNet will retain a portion of the interest earned by the client, but the cash balance will not be subject to or included in the Program fee. The service fee agreement creates a conflict of interest as AdvisorNet has a financial incentive to have advisors refer clients to the third-party vendor and this is mitigated through client consent and disclosure. AdvisorNet’s Chief Compliance Officer remains available to address any questions that a client or prospective client may have regarding the above arrangements and any corresponding perceived conflicts of interest any such arrangements may create. Financial Information AdvisorNet does not require or solicit prepayment of fees of more than $1,200, per client, six months or more in advance. AdvisorNet is unaware of any financial condition that is reasonably likely to impair its ability to meet its contractual commitments relating to its discretionary authority over certain client accounts. AdvisorNet has not been the subject of a bankruptcy petition. ANY QUESTIONS: AdvisorNet’s Chief Compliance Officer is available to address any questions that a client or prospective client may have regarding the above disclosures and arrangements. Clients are always encouraged to contact their investment adviser representative or AdvisorNet with any questions or concerns regarding the services provided by AdvisorNet, or with any questions about information contained in this Brochure. At any time, you may contact AdvisorNet’s Chief Compliance Officer by any of the following means: Mail: 110 Cheshire Lane, Suite 200, Minnetonka, MN 55305 Email: wealthpartners@advisornet.com Phone: (612) 347-8600 ADV2A Wrap v.03.XX.2026 Page 15 of 15