CHOICE WEALTH ADVISORS LLC

Choice Wealth Advisors LLC Form ADV Part 2A – Disclosure Brochure Effective: February 13, 2026 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Choice Wealth Advisors LLC (“CWA” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (207) 873-0996. CWA is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about CWA to assist you in determining whether to retain the Advisor. Additional information about CWA and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or our CRD# 297745. Choice Wealth Advisors LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 FAX: (866) 910-2339 http://www.choicewealthadvisors.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory Persons of CWA. For convenience, we have combined these documents into a single disclosure document. CWA believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. CWA encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. And of course, we always welcome your feedback. Material Changes There have been no material changes to this Disclosure Brochure since the last annual amendment filing on February 1, 2025. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or our CRD# 297745. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (207) 873- 0996. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page ............................................................................................................................................... 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents .................................................................................................................................... 3 Item 4 – Advisory Services ................................................................................................................................... 4 A. Firm Information ............................................................................................................................................................. 4 B. Advisory Services Offered .............................................................................................................................................. 4 C. Client Account Management .......................................................................................................................................... 6 D. Wrap Fee Programs ....................................................................................................................................................... 6 E. Assets Under Management ............................................................................................................................................ 6 Item 5 – Fees and Compensation ......................................................................................................................... 6 A. Fees for Advisory Services ............................................................................................................................................. 6 B. Fee Billing ....................................................................................................................................................................... 7 C. Other Fees and Expenses ............................................................................................................................................. 8 D. Advance Payment of Fees and Termination .................................................................................................................. 8 E. Compensation for Sales of Securities ............................................................................................................................ 9 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 9 Item 7 – Types of Clients ....................................................................................................................................... 9 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ........................................................ 10 A. Methods of Analysis ..................................................................................................................................................... 10 B. Risk of Loss .................................................................................................................................................................. 10 Item 9 – Disciplinary Information ....................................................................................................................... 12 Item 10 – Other Financial Industry Activities and Affiliations ......................................................................... 12 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .............. 12 A. Code of Ethics .............................................................................................................................................................. 12 B. Personal Trading with Material Interest ........................................................................................................................ 13 C. Personal Trading in Same Securities as Clients .......................................................................................................... 13 D. Personal Trading at Same Time as Client ................................................................................................................... 13 Item 12 – Brokerage Practices ............................................................................................................................ 13 A. Recommendation of Custodian[s] ................................................................................................................................ 13 B. Aggregating and Allocating Trades .............................................................................................................................. 14 Item 13 – Review of Accounts ............................................................................................................................ 14 A. Frequency of Reviews .................................................................................................................................................. 14 B. Causes for Reviews ..................................................................................................................................................... 14 C. Review Reports ............................................................................................................................................................ 14 Item 14 – Client Referrals and Other Compensation ........................................................................................ 14 A. Compensation Received by CWA ................................................................................................................................ 14 B. Compensation for Client Referrals ............................................................................................................................... 15 Item 15 – Custody ................................................................................................................................................ 15 Item 16 – Investment Discretion ......................................................................................................................... 16 Item 17 – Voting Client Securities ...................................................................................................................... 16 Item 18 – Financial Information .......................................................................................................................... 16 Form ADV Part 2B – Brochure Supplement[s] .................................................................................................. 17 Privacy Policy ...................................................................................................................................................... 28 Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 3  Item 4 – Advisory Services A. Firm Information Choice Wealth Advisors LLC (“CWA” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company under the laws of the State of Maine. CWA was founded in June 2018 and is a wholly-owned subsidiary of Choice Investments, a Corporation under the laws of Maine. Christopher Markos (Chief Compliance Officer & Financial Advisor) is the majority owner of Choice Investments. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by CWA. For information regarding this Disclosure Brochure, please contact Christopher Markos at (207) 873-0996. B. Advisory Services Offered CWA offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable organizations, businesses and retirement plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. CWA’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services CWA provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. CWA works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. CWA will then construct an investment portfolio, consisting primarily of low-cost, diversified mutual funds and/or Exchange-Traded Funds (“ETFs”) to achieve the Client’s investment goals. The Advisor may also utilize interests in limited partnerships, such as Real Estate Investment Trusts and other types of investments, as appropriate, to meet the needs of the Client. The Advisor may retain certain legacy investments based on portfolio fit and/or tax considerations. CWA’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. CWA will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. CWA evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. CWA may recommend, on occasion, redistributing investment allocations to diversify the portfolio. CWA may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. CWA may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Advisor will refer certain Clients to a bank[s] for loan options, including non-purpose. If a Client decides to utilize a non-purpose loan they may use the assets in their account[s] as collateral for the non-purpose loan. The recommendation of such a loan presents a conflict of interest as the Advisor will continue to receive investment advisory fees for managing the collateralized assets in the Client’s account[s]. Clients are not obligated to engage the Advisor for such offerings. For Additional information related to the risks involved with non-purpose loans and lines of credit, please see Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss. The Advisor does not receive any compensation for such referrals. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 4  At no time will CWA accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices. Retirement Plan Accounts – When deemed to be in the Client’s best interest, the Advisor will recommend that a Client roll over its retirement plan account into an account managed by the Advisor. In such instances, the Advisor will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). Such a recommendation creates a conflict of interest as the Advisor will earn a new (or increase its current) advisory fee as a result of the rollover. No client is under any obligation to roll over retirement plan assets to an account managed by the Advisor. Use of Independent Managers CWA in certain circumstances will recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio. In such instances, the Client may be required to authorize and enter into an advisory agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide investment management and related services. The Advisor may also assist in the development of the initial policy recommendations and managing the ongoing Client relationship. The Advisor will perform initial and ongoing oversight and due diligence over the selected Independent Manager[s] to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. The Client, prior to entering into an agreement with unaffiliated investment manager[s] or investment platform[s], will be provided with the Independent Manager’s Form ADV 2A (or a brochure that makes the appropriate disclosures). Financial Planning Services CWA will typically provide a variety of financial planning and consulting services to Clients, pursuant to a written financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings insurance needs and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. CWA may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 5  Retirement Plan Advisory Services CWA provides retirement plan advisory services on behalf of retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: Investment Policy Statement (“IPS”) Design and Monitoring • Vendor Analysis • Plan Participant Enrollment and Education Tracking • • Ongoing investment Recommendations and Assistance • ERISA 404(c) Assistance • Benchmarking Services Certain of these services are provided by CWA serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of CWA’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging CWA to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – CWA, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. • Asset Allocation – CWA will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. • Portfolio Construction – CWA will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – CWA will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs CWA does not sponsor or manage a wrap fee program. E. Assets Under Management As of December 31, 2025, CWA manages $ 323,340,166 in Client assets, all of which are managed on a discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Investment Management Services Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior calendar quarter and range from 0.75% to 1.50% annually based on several factors, including: the complexity of the services to be provided, the level of assets to be managed, and the overall Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 6  relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by CWA will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuations. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. Use of Independent Managers As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Financial Planning Services CWA offers financial planning services either on an hourly basis or for a fixed engagement fee. Hourly fees are billed at a rate of up to $300 per hour. Fixed fee engagement fees typically range up to $5,000. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total hours and/or total costs will be provided to the Client prior to engaging for these services. Retirement Plan Advisory Services Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00% and are billed monthly in arrears, pursuant to the terms of the retirement plan advisory agreement. Retirement plan advisory fees are based on the market value of the assets under management as of the last business day of the previous month. Fees may be negotiable depending on the size and complexity of the Plan. B. Fee Billing Investment Management Services Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor or its delegate shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with CWA at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted by CWA to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Use of Independent Managers For Client accounts implemented through an Independent Manager, the Client’s overall fees will include CWA’s investment advisory fee (as noted above) plus investment management fees and/or platform fees charged by the Independent Manager. The Independent Manager will assume the responsibility for calculating the Client’s fees and deducting all fees from the Client’s account[s]. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 7  Financial Planning Services Financial planning fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the financial planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s]. Retirement Plan Advisory Services Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. C. Other Fees and Expenses CWA will charge Clients an administrative fee of up to $62.50 per quarter. Clients may incur certain fees or charges imposed by third parties, other than CWA, in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all securities execution and custody fees charged by the Custodian, if applicable. The Advisor’s recommended custodian does not charge securities transaction fees for ETF and equity trades in Client accounts, but typically charges for certain mutual funds and other types of investments. The fees charged by CWA are separate and distinct from these custody and execution fees. In addition, all fees paid to CWA for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of CWA, but would not receive the services provided by CWA which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by CWA to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Investment Management Services CWA is compensated for its investment management services in advance of the quarter in which services are rendered. Either party may terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Advisor will refund any unearned, prepaid investment advisory fees from the effective date of termination to the end of the quarter. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Use of Independent Managers In the event that a Client should wish to terminate their relationship with the Independent Manager, the terms for termination will be set forth in the respective agreements between the Client and that Independent Manager. CWA will assist the Client with the termination and transition as appropriate. Financial Planning Services CWA may require an advance deposit as described above. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for actual hours logged on the planning project times the contractual hourly rate or in the case of a fixed fee engage, the percentage of the engagement scope completed by the Advisor. The Advisor will refund any unearned, prepaid planning fees from the effective date of termination. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 8  Retirement Plan Advisory Services CWA is compensated for its services at the end of the month after advisory services are rendered. Either party may request to terminate the retirement plan agreement, at any time, by providing advance written notice to the other party. The Advisor will refund any unearned, prepaid retirement plan advisory fees from the effective date of termination to the end of the month. The Client’s retirement plan advisory services agreement with the Advisor is non-transferable without the Client’s written approval. E. Compensation for Sales of Securities CWA does not buy or sell securities to earn commissions and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Broker-Dealer Affiliation CWA’s Advisory Persons are also a registered representative of Cetera Advisors LLC (“Cetera”). Cetera is a registered broker-dealer (CRD# 10299), member FINRA, SIPC. In their separate capacities as registered representative, Advisory Persons will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Advisory Persons. A conflict of interest exists to the extent that CWA recommends the purchase of securities where CWA will receive commissions or other additional compensation as a result of the recommendations. CWA has procedures in place to ensure that any recommendations by CWA are in the best interests of the Client. Neither the Advisor nor Advisory Persons will earn ongoing investment advisory fees in connection with any products or services implemented in the Advisory Person’s separate capacity as a registered representative. Please see Item 10. Insurance Agency Affiliations Certain Advisory Persons are also licensed as independent insurance professionals. As an independent insurance professional, an Advisory Person will earn commission-based compensation for selling insurance products, including insurance products they sell to Clients. Insurance commissions earned by an Advisory Person is separate and in addition to advisory fees. This practice presents a conflict of interest because a person providing investment advice on behalf of the Advisor who is also an insurance agent has an incentive to recommend insurance products to Clients for the purpose of generating commissions rather than solely based on Client needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through any person affiliated with the Advisor. Please see Item 10 – Other Financial Industry Activities and Affiliations. Item 6 – Performance-Based Fees and Side-By-Side Management CWA does not charge performance-based fees for its investment advisory services. The fees charged by CWA are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. CWA does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients CWA offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable organizations, businesses and retirement plans. The amount of each type of Client is available on CWA’s Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. CWA generally requires a minimum relationship size of $250,000 but may accept clients with smaller amounts at the sole discretion of the Advisor. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 9  Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis CWA primarily employs fundamental, technical, and cyclical analysis methods in developing investment strategies for its Clients. Research and analysis from CWA are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. The criteria consist generally of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that CWA will be able to accurately predict such a reoccurrence. Cyclical analysis is similar to technical analysis in that it involves the analysis of market conditions at a macro (entire market/economy) or micro (company specific) level, rather than the overall fundamental analysis of the health of the particular company that CWA is recommending. The risks with cyclical analysis are similar to those of technical analysis. As noted above, CWA generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. CWA will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, CWA may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. CWA will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. Please see Item 8.B. for risks associated with the Advisor’s investment strategies as well as general risks of investing. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 10  information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Alternative Investments (Limited Partnerships) The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Client should only have a portion of their assets in these investments. Real Estate Investment Trusts (“REITs”) Investing in Real Estate Investment Trusts (“REITs”) involves certain distinct risks in addition to those risks associated with investing in the real estate industry in general. For example, equity REITs may be affected by changes in the value of the underlying property owned by the REITs, while mortgage REITs may be affected by the quality of credit extended. REITs are subject to heavy cash flow dependency, default by borrowers and self- liquidation. REITs, especially mortgage REITs, are also subject to interest rate risk (i.e., as interest rates rise, the value of the REIT may decline). Non-Purpose Loans and Lines of Credit Non-Purpose Loans and Lines of Credit: Non-Purpose loans and lines of credit carry a number of risks, including but not limited to the risk of market downturn, tax implications if collateralized securities are liquidated, and an increase in interest rates. A decline in the market value of collateralized securities held in the account[s] at the Custodian, may result in a reduction in the draw amount of the Client’s line of credit, a demand from the lender, that the Client deposit additional funds or securities in the Client’s account[s], or a forced sale of securities in the Client’s collateral account[s]. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 11  Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving CWA or any of its Supervised Persons. CWA values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or our CRD# 297745. Item 10 – Other Financial Industry Activities and Affiliations Broker-Dealer Affiliation As noted in Item 5, Advisory Persons are also registered representatives of Cetera Advisors LLC (“Cetera”). Cetera is a registered broker-dealer (CRD# 10299), member FINRA, SIPC. In their separate capacity as registered representative, Advisory Persons will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Advisory Persons. Neither the Advisor nor Advisory Persons will earn ongoing investment advisory fees in connection with any products or services implemented in their separate capacity as registered representatives. Investment Advisor Representative Affiliation Advisory Persons are also investment advisor representatives with Cetera, which also an SEC-registered investment advisor that offers investment advisory services. Investment advisory services are offered for a fee based on the assets under management. Cetera and CWA are unaffiliated, separate legal entities and not under common control or management. Prior to receiving investment advice through Cetera, Clients are required to enter a separate agreement and should review the Cetera ADV 2A – Disclosure Brochure. A Client receiving financial planning or investment advisory services from CWA may also have separate advisory accounts through Cetera. The Advisor will not charge the Client ongoing investment advisory fees on assets that implemented through Cetera. Insurance Agency Affiliations As noted in Item 5, certain Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from an Advisory Person's role with the Advisor. As an insurance professional, an Advisory Person will receive customary commissions and other related revenues from the various insurance companies whose products are sold. An Advisory Person is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by an Advisory Person or the Advisor. Use of Independent Managers As noted in Item 4, the Advisor in certain circumstances will implement all or a portion of a Client’s investment portfolio with one or more Independent Managers. The Advisor does not receive any compensation nor does this present a material conflict of interest. The Advisor will only earn its investment advisory fee as described in Item 5.A. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics CWA has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with CWA (our “Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to the Client. CWA and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of CWA’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (207) 873-0996. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 12  B. Personal Trading with Material Interest CWA allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. CWA does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. CWA does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients CWA allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by CWA requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While CWA allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will CWA, or any Supervised Person of CWA, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] CWA does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize CWA to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, CWA does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade- by-trade basis. Where CWA does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the Custodian recommended by the Advisor, and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by CWA. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. As registered representatives of Cetera, the Advisor may be limited in using other broker-dealers/custodians as Cetera must approve the use of any outside Custodian. CWA may recommend the Custodian based on criteria such as, but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, its reputation and/or the location of the Custodian’s offices. CWA will generally recommend that Clients establish their account[s] at Charles Schwab & Co., Inc. (“Schwab”), a FINRA-registered broker-dealer and member SIPC. Schwab will serve as the Client’s “qualified custodian”. CWA maintains an institutional relationship with Schwab, whereby the Advisor receives economic benefits from Schwab (Please see Item 14 below.) Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. CWA does not participate in soft dollar programs sponsored or offered by any broker- dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see Item 14 below. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 13  2. Brokerage Referrals - CWA does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where CWA will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). CWA will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. CWA will execute its transactions through the Custodian as authorized by the Client. CWA may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Client accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons of the Advisor and periodically by the Christopher Markos, Chief Compliance Officer. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify CWA if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by CWA CWA may refer Clients to various unaffiliated, non-advisory professionals (e.g. attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, CWA may receive non-compensated referrals of new Clients from various third-parties. Use of Independent Managers The Advisor may be indirectly compensated by an Independent Manager as described in Item 5 above and does not receive any other forms of compensation with such arrangements. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 14  Participation in Institutional Advisor Platform CWA has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a division of Schwab dedicated to serving independent advisory firms like CWA. As a registered investment advisor participating on the Schwab Advisor Services platform, CWA receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Schwab. Services provided by Schwab Advisor Services benefit the Advisor and many, but not all services provided by Schwab will benefit Clients. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a potential conflict of interest since these benefits may influence the Advisor's recommendation of this custodian over one that does not furnish similar software, systems support, or services. Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client’s funds and securities. Through Schwab, the Advisor may be able to access certain investments and asset classes that the Client would not be able to obtain directly or through other sources. Further, the Advisor may be able to invest in certain mutual funds and other investments without having to adhere to investment minimums that might be required if the Client were to directly access the investments. Services that May Indirectly Benefit the Client – Schwab provides participating advisors with access to technology, research, discounts and other services. In addition, the Advisor receives duplicate statements for Client accounts, the ability to deduct advisory fees, trading tools, and back office support services as part of its relationship with Schwab. These services are intended to assist the Advisor in effectively managing accounts for its Clients, but may not directly benefit all Clients. Services that May Only Benefit the Advisor – Schwab also offers other services to CWA that may not benefit the Client, including: educational conferences and events, financial start-up support, consulting services and discounts for various service providers. Access to these services creates a financial incentive for the Advisor to recommend Schwab, which results in a potential conflict of interest. CWA believes, however, that the selection of Schwab as Custodian is in the best interests of its Clients. Marketing Support In certain instances, certain product providers such as mutual funds and ETF sponsors will contribute to or offset costs of an event for Clients and prospective clients, which presents a conflict of interest. The Advisor will only select investments based on its Clients’ best interests and not based on any such marketing support. B. Compensation for Client Referrals CWA does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody CWA does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: The Advisor is authorized to deduct its fees from the Client’s account[s] at the Custodian. The Client must place all assets with a “qualified custodian”. The Client is required to engage the Custodian to retain all funds and securities and direct the Advisor to utilize that Custodian for security transactions in the account[s]. The Client should review statements provided by the Custodian, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. If the Client gives the Advisor authority to move money from one account to another account, the Advisor may have custody of those assets. In order to avoid additional regulatory requirements, the Custodian and the Advisor have adopted safeguards to ensure that the money movements are completed in accordance with the Client’s instructions. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 15  Item 16 – Investment Discretion CWA generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by CWA. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by CWA will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities CWA does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither CWA, nor its management, have any adverse financial situations that would reasonably impair the ability of CWA to meet all obligations to its Clients. Neither CWA, nor any of its Advisory Persons, has been subject to a bankruptcy or financial compromise. CWA is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 16  Form ADV Part 2B – Brochure Supplement for Christopher A. Markos, CFPÒ Owner, Chief Compliance Officer & Financial Advisor Effective: February 13, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Christopher A. Markos (CRD# 5523951) in addition to the information contained in the Choice Wealth Advisors LLC (“CWA” or the “Advisor”, CRD# 297745) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA’s Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (207) 873-0996. Additional information about Mr. Markos is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5523951. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 17  Item 2 – Educational Background and Business Experience Christopher A. Markos, born in 1977, is dedicated to advising Clients of CWA as the Chief Compliance Officer & Financial Advisor. Mr. Markos earned an MBA, Global Studies from Southern New Hampshire University in 2007. In addition, Mr. Markos earned a BS, Accounting from Bentley University in 2000. Additional information regarding Mr. Markos’ employment history is included below. Employment History: Chief Compliance Officer & Financial Advisor, Choice Wealth Advisors LLC Financial Advisor, Cetera Advisors LLC Treasurer, Rotary Club of Gardiner Maine Financial Advisor, Investors Capital Corp Financial Advisor, Cetera Investment Services Financial Advisor, The Bank of Maine Financial Advisor, Sorrento Paicific Finanical 08/2018 to Present 10/2016 to Present 07/2012 to Present 09/2013 to 10/2016 11/2011 to 09/2013 04/2008 to 09/2013 04/2008 to 11/2011 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 18  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Markos. Mr. Markos has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Markos. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Markos. However, we do encourage you to independently view the background of Mr. Markos on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5523951. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Markos is also a registered representative of Cetera Advisors LLC (“Cetera”). Cetera is a registered broker- dealer (CRD# 10299), member FINRA, SIPC. In Mr. Markos’ separate capacity as a registered representative, Mr. Markos will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Markos. Neither the Advisor nor Mr. Markos will earn any investment advisory fees in connection with any products or services implemented in Mr. Markos’ separate capacity as a registered representative. Investment Advisor Representative Affiliation Mr. Markos is also an investment advisor representative with Cetera, which also an SEC-registered investment advisor that offers investment advisory services. Investment advisory services are offered for a fee, based on the assets under management. Cetera and CWA are unaffiliated, separate legal entities and not under common control or management. Prior to receiving investment advice through Cetera, Clients are required to enter a separate agreement and should review the Cetera ADV 2A – Disclosure Brochure. A Client receiving financial planning or investment advisory services from CWA may also have separate advisory accounts through Cetera. The Advisor will not charge the Client ongoing investment advisory fees on assets that are implemented through Cetera. Insurance Agency Affiliations Mr. Markos is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Markos’ role with CWA. As an insurance professional, Mr. Markos will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Markos is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Markos or the Advisor. CWA 325D, LLC Mr. Markos, in his separate capacity, owns real estate property. Mr. Markos does not offer any rental properties to clients. Item 5 – Additional Compensation Mr. Markos has additional business activities where compensation is received that are detailed in Item 4 above. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 19  Item 6 – Supervision Mr. Markos serves as the Chief Compliance Officer and a Financial Advisor with CWA. Mr. Markos can be reached at (207) 873-0996. CWA has implemented a Code of Ethics an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 20  Form ADV Part 2B – Brochure Supplement for Glenn (Rick) Whalen, AIFÒ Financial Advisor Effective: February 13, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Glenn (Rick) Whalen (CRD# 6408056) in addition to the information contained in the Choice Wealth Advisors LLC (“CWA” or the “Advisor”, CRD# 297745) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (207) 873-0996. Additional information about Glenn Whalen is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6408056. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 21  Item 2 – Educational Background and Business Experience Glenn (Rick) Whalen, born in 1970, is dedicated to advising Clients of CWA as a Financial Advisor. Mr. Whalen earned a Bachelor's of Science in Marketing Management from Thomas College in 1993. Additional information regarding Mr. Whalen’s employment history is included below. Employment History: Financial Advisor, Choice Wealth Advisors LLC Financial Advisor, Cetera Advisors, LLC Financial Advisor, Investors Capital Corporation VP of Retail Banking, Skowhegan Savings 08/2018 to Present 10/2016 to Present 10/2014 to 10/2014 11/2007 to 02/2015 Accredited Investment Fiduciary (“AIF®”) The AIF® mark is held by the Center for Fiduciary Studies, LLC, a Fiduciary360 (fi360) company. The professional designations awarded by fi360 demonstrate the focus on all the components of a comprehensive investment process, related fiduciary standards of care, and commitment to excellence. AIF® designees undergo an initial training program, annual continuing education, and pledge to abide by the designation's code of ethics. Since October 2002, the Accredited Investment Fiduciary® (AIF®) designation has been the mark of commitment to a standard of investment fiduciary excellence. Those who earn the AIF® mark successfully complete a specialized program on investment fiduciary standards of care and subsequently passed a comprehensive examination. AIF® designees demonstrate a thorough understanding of fi360's Prudent Practices for investment advisors and stewards. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Whalen. Mr. Whalen has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Whalen. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Whalen. However, we do encourage you to independently view the background of Mr. Whalen on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or her Individual CRD# 6408056. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Whalen is also a registered representative of Cetera Advisors LLC (“Cetera”). Cetera is a registered broker- dealer (CRD# 10299), member FINRA, SIPC. In Mr. Whalen’s separate capacity as a registered representative, Mr. Whalen will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Whalen. Neither the Advisor nor Mr. Whalen will earn any investment advisory fees in connection with any products or services implemented in Mr. Whalen’s separate capacity as a registered representative. Investment Advisor Representative Affiliation Mr. Whalen is also an investment advisor representative with Cetera, which also an SEC-registered investment advisor that offers investment advisory services. Investment advisory services are offered for a fee, based on the assets under management. Cetera and CWA are unaffiliated, separate legal entities and not under common Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 22  control or management. Prior to receiving investment advice through Cetera, Clients are required to enter a separate agreement and should review the Cetera ADV 2A – Disclosure Brochure. A Client receiving financial planning or investment advisory services from CWA may also have separate advisory accounts through Cetera. The Advisor will not charge the Client ongoing investment advisory fees on assets that are implemented through Cetera. Insurance Agency Affiliations Mr. Whalen is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Whalen’s role with CWA. As an insurance professional, Mr. Whalen will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Whalen is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Whalen or the Advisor. Item 5 – Additional Compensation Mr. Whalen has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Whalen serves as a Financial Advisor of CWA and is supervised by Christopher Markos, the Chief Compliance Officer. Mr. Markos can be reached at (207) 873-0996. CWA has implemented a Code of Ethics an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 23  Form ADV Part 2B – Brochure Supplement for Matthew J. Libby CFPÒ Financial Advisor Effective: February 13, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Matthew J. Libby (CRD# 6435423) in addition to the information contained in the Choice Wealth Advisors LLC (“CWA” or the “Advisor”, CRD# 297745) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (207) 873-0996. Additional information about Mr. Libby is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6435423. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 24  Item 2 – Educational Background and Business Experience Matthew J. Libby, born in 1990, is dedicated to advising Clients of CWA as a Financial Advisor. Mr. Libby earned a Master's of Business Administration from Thomas College in 2014. In addition, Matthew Libby earned a Bachelor's of Science in Finance from Thomas College in 2014. Additional information regarding Matthew Libby’s employment history is included below. Employment History: Financial Advisor, Choice Wealth Advisors LLC Financial Advisor, Cetera Advisors, LLC Financial Advisor, Investors Capital Corporation Credit Analyst, Androscoggin Bank Personal Trainer, Somerset Sports & Fitness 08/2018 to Present 10/2016 to Present 01/2015 to 10/2016 06/2014 to 12/2014 08/2008 to 06/2014 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 25  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Libby. Mr. Libby has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Libby. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Libby. However, we do encourage you to independently view the background of Mr. Libby on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6435423. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Libby is also a registered representative of Cetera Advisors LLC (“Cetera”). Cetera is a registered broker- dealer (CRD# 10299), member FINRA, SIPC. In Mr. Libby’s separate capacity as a registered representative, Mr. Libby will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Libby. Neither the Advisor nor Mr. Libby will earn any investment advisory fees in connection with any products or services implemented in Mr. Libby’s separate capacity as a registered representative. Investment Advisor Representative Affiliation Mr. Libby is also an investment advisor representative with Cetera, which also an SEC-registered investment advisor that offers investment advisory services. Investment advisory services are offered for a fee, based on the assets under management. Cetera and CWA are unaffiliated, separate legal entities and not under common control or management. Prior to receiving investment advice through Cetera, Clients are required to enter a separate agreement and should review the Cetera ADV 2A – Disclosure Brochure. A Client receiving financial planning or investment advisory services from CWA may also have separate advisory accounts through Cetera. The Advisor will not charge the Client ongoing investment advisory fees on assets that are implemented through Cetera. Insurance Agency Affiliations Mr. Libby is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Libby’s role with CWA. As an insurance professional, Mr. Libby will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Libby is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Libby or the Advisor. Item 5 – Additional Compensation Mr. Libby has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Libby serves as a Financial Advisor of CWA and is supervised by Christopher Markos, the Chief Compliance Officer. Mr. Markos can be reached at (207) 873-0996. CWA has implemented a Code of Ethics an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 26  various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 27  Privacy Policy Effective: February 13, 2026 Our Commitment to You Choice Wealth Advisors (“CWA” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. CWA (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. CWA does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 28  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No No Not Shared Yes Yes No Not Shared Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. CWA shares Client information with Cetera Advisors LLC (“Cetera”). This sharing is due to the oversight Cetera has over Supervised Persons of the Advisor. You may also contact us at any time for a copy of the Cetera Privacy Policy. Marketing Purposes CWA does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where CWA or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Information About Former Clients CWA does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. State-specific Regulations Massachusetts In response to Massachusetts law, the Client must “opt-in” to share non-public personal information with non-affiliated third parties before any personal information is disclosed. Client opt-in is obtained through the Client’s execution of authorization forms provided by the third parties, by executing an Information Sharing Authorization Form, or by other written consent by the Client, as appropriate and consistent with applicable laws and regulations Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting the Advisor at (207) 873-0996. Choice Wealth Advisors, LLC 325-D Kennedy Memorial Drive, Waterville, ME 04901 Phone: (207) 873-0996 I Fax: (866) 910-2339 http://www.choicewealthadvisors.com Page 29