NESTEGG ADVISORS, INC.

NestEgg Advisors, Inc. Form ADV Part 2A – Disclosure Brochure Effective: December 3, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of NestEgg Advisors, Inc. (“NestEgg” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (631) 952-2700 or via email at budlevy@nesteggadvisors.net. NestEgg 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 NestEgg to assist you in determining whether to retain the Advisor. Additional information about NestEgg 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 CRD# 125878. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/  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 NestEgg. For convenience, the Advisor has combined these documents into a single disclosure document. NestEgg 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. NestEgg encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since it’s last annual amendment filing on February 12, 2025: • Due to the American Portfolios Financial Services, Inc. ("American Portfolios") acquisition by Osaic Wealth, Inc. (formerly Advisor Group), the Advisor now has an Independent Broker Dealer relationship with Osaic Wealth, Inc. Please see Item 12 and 14 for further information. • Furthermore, due to the American Portfolios Financial Services, Inc. ("American Portfolios") acquisition by Osaic Wealth, Inc. (formerly Advisor Group), certain advisory personnel now offer securities as Registered Representatives through Osaic Wealth. Please see Item 10 for further information. • The Advisor has amended their Item 4 and Item 5 to remove the “true up” accounting measure, and implement adjustments for inflows/outflows over $10,000. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in 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 CRD# 125878. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (631) 952-2700 or via email at budlevy@nesteggadvisors.net. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ 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 ..................................................................................................................................................................... 7 D. Advance Payment of Fees and Termination ....................................................................................................................................... 8 E. Compensation for Sales of Securities .................................................................................................................................................. 8 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 .............................................. 9 A. Methods of Analysis ........................................................................................................................................................................... 9 B. Risk of Loss ....................................................................................................................................................................................... 10 Item 9 – Disciplinary Information ........................................................................................................ 11 Item 10 – Other Financial Industry Activities and Affiliations ......................................................... 11 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading12 A. Code of Ethics ................................................................................................................................................................................... 12 B. Personal Trading with Material Interest ............................................................................................................................................ 12 C. Personal Trading in Same Securities as Clients ................................................................................................................................ 12 D. Personal Trading at Same Time as Client ......................................................................................................................................... 12 Item 12 – Brokerage Practices .............................................................................................................. 12 A. Recommendation of Custodian[s] ..................................................................................................................................................... 12 B. Aggregating and Allocating Trades .................................................................................................................................................. 13 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 NestEgg ................................................................................................................................................ 14 B. Compensation for Client Referrals ................................................................................................................................................... 15 Item 15 – Custody .................................................................................................................................. 15 Item 16 – Investment Discretion ........................................................................................................... 15 Item 17 – Voting Client Securities ........................................................................................................ 15 Item 18 – Financial Information ........................................................................................................... 15 Form ADV Part 2A – Appendix 1 ("Wrap Fee Program Brochure") .............................................. 16 Form ADV Part 2B – Brochure Supplement[s] .................................................................................. 24 Privacy Policy ......................................................................................................................................... 36 NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 3  Item 4 – Advisory Services A. Firm Information NestEgg Advisors, Inc. (“NestEgg” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Corporation under the laws of the State of New York. NestEgg was founded in March 1996 and is owned and operated by Buddy Levy (President and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by NestEgg. B. Advisory Services Offered NestEgg offers investment advisory services to individuals, high net worth individuals, trusts, estates, 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. NestEgg'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 NestEgg provides customized investment management services for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. NestEgg works closely with each Client to identify their investment goals, objectives, risk tolerance and financial situation in order to create a portfolio strategy. NestEgg will then construct an investment portfolio, consisting of mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, bonds or options contracts to meet the needs of its Clients. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. NestEgg’s investment strategies are 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. NestEgg 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. NestEgg evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. NestEgg may recommend, on occasion, redistributing investment allocations to diversify the portfolio. NestEgg 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. NestEgg 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 NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 4  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. At no time will NestEgg 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 Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Financial Planning Services NestEgg will provide a variety of financial planning and consulting services to Clients as part of its investment management services. NestEgg may also provide standalone financial planning services 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. NestEgg may also conduct educational courses and workshops on financial planning. 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. NestEgg 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 NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 5  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. C. Client Account Management Prior to engaging NestEgg 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 – NestEgg, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. • Asset Allocation – NestEgg 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 – NestEgg will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – NestEgg will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs NestEgg includes securities transaction fees together with its investment advisory fees. Including these fees into a single asset-based fee is considered a “Wrap Fee Program”. The Advisor customizes its investment management services for its Clients. The Advisor sponsors the NestEgg Wrap Fee Program solely as a supplemental disclosure regarding the combination of fees. Depending on the level of trading required for the Client’s account[s] in a particular year, the Client may pay more or less in total fees than if the Client paid its own securities transaction fees. Please see Appendix 1 – Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. E. Assets Under Management As of December 31, 2024, NestEgg manages $228,956,702 in Client assets, all of which is managed on a discretionary basis. Clients may request 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 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 quarter. Investment advisory fees range up to 1.25% annually based on several factors, including: NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 6  the level of assets to be managed, the scope and complexity of the services to be provided, and the overall 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 subject to adjustments for account inflows and outflows as outlined in Item 5B – Fee Billing. 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 NestEgg will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. Financial Planning Services NestEgg offers standalone financial planning services ranging up to $10,000 per engagement. 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 overall costs will be provided to the Client prior to engaging for these services. The Advisor may charge fees for financial planning workshops, courses, and/or seminars. Fees range from $25 to $150 per person depending on the number of sessions, amount of time per sessions, degree of customization required, and extensiveness of handout materials. 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 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 based on the total assets under management with NestEgg at the end of the prior quarter multiplied by the annual fee rate divided by the number of trading days in the year, multiplied by the number of trading days in the billing cycle. Adjustments to Client fees are made during the billing period following an inflow or outflow i.e a contribution or withdrawal in the amount of $10,000 or greater. If Clients make additions to, or withdrawals from, their account[s], the Advisor reconciles the account[s] on a quarterly basis to capture if, on any given day, assets are deposited into or withdrawn from an account after the start of the quarter. An adjustment will be made in the form of a credit or debit to reflect the interim change in portfolio value from the date of the deposit/withdrawal until the end of the quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients provide written authorization permitting advisory fees to be deducted by NestEgg 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. 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]. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of the Client’s account[s]. The Advisor includes securities transactions costs as part of its overall NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 7  investment advisory fee through the NestEgg Wrap Fee Program. Securities transaction fees for Client- directed trades may be charged back to the Client. Please see Item 4.D. as well as Appendix 1 – Wrap Fee Program Brochure. In addition, all fees paid to NestEgg 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 NestEgg, but would not receive the services provided by NestEgg 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 NestEgg 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 NestEgg may be 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 the 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. Financial Planning Services NestEgg requires 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. Upon termination, the Advisor will refund any unearned, prepaid planning fees from the effective date of termination to the end of the quarter. The Client’s financial planning agreement with the Advisor is non- transferable without the Client’s prior consent. E. Compensation for Sales of Securities NestEgg 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. Certain Advisory Persons are also a registered representative of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker-dealer (CRD #23131), member FINRA, SIPC. In one’s separate capacity as a registered representative, the Advisory Person will implement securities transactions under Osaic and not through NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 8  NestEgg. In such instances, the Advisory Person will receive commission-based compensation in connection with the purchase and sale of securities, including 12b-1 fees for the sale of investment company products. Compensation earned by the Advisory Person in their capacity as a registered representative is separate and in addition to the Advisor’s fees. This practice presents a conflict of interest because the Advisory Person who is a registered representative has an incentive to effect securities transactions for the purpose of generating commissions rather than solely based on the Client. Clients are not obligated to implement any recommendation provided by the Advisor nor Advisory Persons. 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 – Other Financial Industry Activities and Affiliations. Insurance Agency Affiliations Certain Advisory Persons are also licensed insurance professionals. As an insurance professional, Advisory Persons earn commission-based compensation for selling insurance products, including insurance products sold to Clients. Insurance commissions earned by Advisory Persons are separate and in addition to the Advisor’s advisory fees. This practice presents a conflict of interest because the 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 to purchase insurance products through any Advisory 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 NestEgg does not charge performance-based fees for its investment advisory services. The fees charged by NestEgg are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. NestEgg 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 NestEgg offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, and retirement plans. NestEgg generally requires a minimum fee size of $3,000 annually which equates to a minimum relationship size of $250,000 to effectively implement its services. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis NestEgg primarily employs a fundamental method in developing investment strategies for its Clients. Research and analysis from NestEgg 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 9  Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists 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. As noted above, NestEgg generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. NestEgg 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, NestEgg 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. NestEgg 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. 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 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 strategies: 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 10  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 has 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. 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. Item 9 – Disciplinary Information There are no legal or disciplinary events involving NestEgg or its owner. NestEgg 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 or 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 CRD# 125878. Item 10 – Other Financial Industry Activities and Affiliations Broker-Dealer Affiliation As noted in Item 5, certain Advisory Persons are also registered representatives of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker-dealer (CRD No. 23131), member FINRA, SIPC. In one’s separate capacity as a registered representative, the Advisory Person will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Advisory Person. Neither the Advisor nor the Advisory Person will earn ongoing investment advisory fees in connection with any services implemented in the Advisory Person’s separate capacity as a registered representative. Insurance Agency Affiliations As mentioned in Item 5.E, certain Advisory Persons are licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with the Advisor. As an insurance professional, Advisory Persons receive customary commissions and other related revenues from the various insurance companies whose products are sold. Commissions generated by insurance sales do not offset regular advisory fees. This may cause 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 11  Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics NestEgg 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 NestEgg (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. NestEgg and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of NestEgg’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 (631) 952-2700 or via email at budlevy@nesteggadvisors.net. B. Personal Trading with Material Interest NestEgg allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. NestEgg 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. NestEgg does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients NestEgg 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 NestEgg requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”). 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 NestEgg 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 traded afterwards. At no time will NestEgg, or any Supervised Person of NestEgg, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] NestEgg 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 NestEgg to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, NestEgg does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 12  Where NestEgg 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 recommended Custodian by the Advisor and will not incur any extra fee or cost associated with using a custodian not recommended by NestEgg. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. NestEgg 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, and its reputation and/or the location of the Custodian’s offices. As registered representatives of Osaic, the Advisor may be limited in using other broker-dealers/custodians as Osaic must approve the use of any outside broker-dealer/custodian. The Advisor will generally recommend that Clients establish their account[s] at Pershing, LLC (“Pershing”), FINRA-registered broker-dealers and members SIPC. Pershing will serve as the Client’s “qualified custodian”. NestEgg maintains an institutional relationship with Pershing, whereby the Advisor receives economic benefits. 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. NestEgg 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. 2. Brokerage Referrals - NestEgg 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 NestEgg 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]). NestEgg 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. NestEgg will execute its transactions through the Custodian as authorized by the Client. NestEgg 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 Clients’ accounts. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 13  Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons and periodic reviews are conducted by Buddy Levy, Chief Compliance Officer of NestEgg. 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 NestEgg 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 NestEgg NestEgg is a fee-based advisory firm, that is compensated solely by its Clients and not from any investment product. NestEgg does not receive commissions or other compensation from product sponsors, broker-dealers or any un-related third party. NestEgg 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, NestEgg may receive non-compensated referrals of new Clients from various third- parties. Participation in Institutional Advisor Platform NestEgg Advisors, Inc. has selected Osaic Wealth, Inc. (Osaic) as the introducing broker for your NestEgg Advisory account. Osaic has retained Pershing LLC as the clearing agent and/or custodian of your account. Please be advised that you will receive communications from both Osaic and Pershing concerning disclosures, fees, tax information, shareholder information and statements for your NestEgg Advisory account. Access to the Pershing platform is provided at no charge to the Advisor. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Pershing. The software and related financial support may benefit the Advisor, but not its Clients directly. 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 NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 14  Advisor's recommendation of the Custodian over one that does not furnish similar software, systems support, or services. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody NestEgg does not accept or maintain custody of any Client accounts, except for the limited circustances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom NestEgg exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct NestEgg to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by NestEgg to ensure accuracy, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. Item 16 – Investment Discretion NestEgg 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 NestEgg. 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 NestEgg will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities NestEgg 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 NestEgg, nor its management, have any adverse financial situations that would reasonably impair the ability of NestEgg to meet all obligations to its Clients. Neither NestEgg, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. NestEgg 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 15  NestEgg Advisors, Inc. Form ADV Part 2A – Appendix 1 (“Wrap Fee Program Brochure”) Effective: December 3, 2025 This Form ADV2A - Appendix 1 (“Wrap Fee Program Brochure”) provides information about the qualifications and business practices for NestEgg Advisors, Inc. (“NestEgg” or the “Advisor”) services when offering services pursuant to a wrap program. This Wrap Fee Program Brochure shall always be accompanied by the NestEgg Disclosure Brochure, which provides complete details on the business practices of the Advisor. If you did not receive the complete NestEgg Disclosure Brochure or you have any questions about the contents of this Wrap Fee Program Brochure or the NestEgg Disclosure Brochure, please contact the Advisor at (631) 952-2700 or via email at budlevy@nesteggadvisors.net. NestEgg is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Wrap Fee Program 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 Wrap Fee Program Brochure provides information about NestEgg to assist you in determining whether to retain the Advisor. Additional information about NestEgg and its advisory persons are available on the SEC’s website at www.adviserinfo.sec.gov by searching the Advisor’s firm name or CRD# 125878. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 16  Item 2 – Material Changes Form ADV 2A - Appendix 1 provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. In particular, this Wrap Fee Program Brochure discusses the Wrap Fee Program offered by the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since it’s last annual amendment filing on February 12, 2025: • Due to the American Portfolios Financial Services, Inc. ("American Portfolios") acquisition by Osaic Wealth, Inc. (formerly Advisor Group), certain advisory personnel now offer securities as Registered Representatives through Osaic Wealth. Please see Item 9b for further information. Future Changes From time to time, the Advisor may amend this Wrap Fee Program Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Wrap Fee Program Brochure (along with the complete NestEgg Disclosure Brochure) or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of NestEgg. At any time, you may view this Wrap Fee Program Brochure and the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching for the Advisor’s firm name or CRD# 125878. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (631) 952-2700 or via email at budlevy@nesteggadvisors.net. Item 3 – Table of Contents Item 2 – Material Changes .................................................................................................................... 17 Item 3 – Table of Contents .................................................................................................................... 17 Item 4 – Services Fees and Compensation ........................................................................................... 18 Item 5 – Account Requirements and Types of Clients ....................................................................... 19 Item 6 – Portfolio Manager Selection and Evaluation ........................................................................ 20 Item 7 – Client Information Provided to Portfolio Managers ........................................................... 21 Item 8 – Client Contact with Portfolio Managers ............................................................................... 21 Item 9 – Additional Information ........................................................................................................... 21 Privacy Policy ......................................................................................................................................... 36 NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 17  Item 4 – Services Fees and Compensation A. Services NestEgg provides customized investment advisory services for its Clients. This Wrap Fee Program Brochure is provided as a supplement to the NestEgg Disclosure Brochure (Form ADV 2A). This Wrap Fee Program Brochure is provided along with the complete Disclosure Brochure to provide full details of the business practices and fees when selecting NestEgg as your investment advisor. As part of the investment advisory fees noted in Item 5 of the Disclosure Brochure, NestEgg includes, in addition to securities transaction fees for certain mutual funds, custodial costs, and administrative fees (herein “Covered Costs”) as part of the overall investment advisory fee. Securities regulations often refer to this combined fee structure as a “Wrap Fee Program”. The Advisor sponsors the NestEgg Wrap Fee Program. The sole purpose of this Wrap Fee Program Brochure is to provide additional disclosure relating the combination of Covered Costs into a single “bundled” investment advisory fee. This Wrap Fee Program Brochure references back to the NestEgg Disclosure Brochure in which this Wrap Fee Program Brochure serves as an Appendix. Please see Item 4 – Advisory Services of the Disclosure Brochure for details on NestEgg’s investment philosophy and related services. B. Program Costs Advisory services provided by NestEgg are offered in a wrap fee structure whereby Covered Costs are included in the overall investment advisory fee paid to NestEgg. As the level of activity in a Client’s account[s] may vary from year to year, the annual cost to the Client may be more or less than engaging for advisory services where the Covered Costs are borne separately by the Client. The cost of the Wrap Fee Program varies depending on services to be provided to each Client, however, the Client is not charged more if there is higher trading activity or other Covered Costs. The Advisor will only place Client assets into a Wrap Fee Program when it is believed to be in the Client’s best interest. Please see Item 5 – Fees and Compensation of the Disclosure Brochure for complete details on fees. C. Fees Investment Management Services Investment advisory fees are paid quarterly in advance 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 quarter. Investment advisory fees range up to 1.25% annually based on several factors, including: the level of assets to be managed, the scope and complexity of the services to be provided, and the overall 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 NestEgg will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 18  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 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 based on the total assets under management with NestEgg at the end of the prior quarter multiplied by the annual fee rate divided by the number of trading days in the year, multiplied by the number of trading days in the billing cycle. Adjustments to Client fees are made during the billing period following an inflow or outflow i.e a contribution or withdrawal in the amount of $10,000 or greater. If Clients make additions to, or withdrawals from, their account[s], the Advisor reconciles the account[s] on a quarterly basis to capture if, on any given day, assets are deposited into or withdrawn from an account after the start of the quarter. An adjustment will be made in the form of a credit or debit to reflect the interim change in portfolio value from the date of the deposit/withdrawal until the end of the quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients provide written authorization permitting advisory fees to be deducted by NestEgg 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. As noted above, the Wrap Fee Program includes Covered Costs incurred in connection with the discretionary investment management services provided by NestEgg, as part of its overall investment advisory fee. In addition, all fees paid to NestEgg for investment advisory services or part of the Wrap Fee Program are separate and distinct from the expenses charged by mutual funds and exchange-traded funds 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. Securities transaction fees for Client-directed trades will be charged back to the Client. In connection with the discretionary investment management services provided by NestEgg, the Client will incur other costs assessed by the Custodian or other third parties, other than the Covered Costs noted above, such as fees for trades executed away from the Custodian and other fees. The Advisor does not control nor share in these fees. The Client should review both the fees charged by the fund[s] and the fees charged by NestEgg to fully understand the total fees to be paid. Please see Item 5.C. – Other Fees and Expenses in the Disclosure Brochure (included with this Wrap Fee Program Brochure). D. Compensation NestEgg is the sponsor and portfolio manager of this Wrap Fee Program. NestEgg receives investment advisory fees paid by Clients for participating in the Wrap Fee Program and pays the Covered Costs associated with the management of the Client’s account[s]. Item 5 – Account Requirements and Types of Clients NestEgg offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable organizations, business. NestEgg generally does not impose a minimum account size for establishing a relationship. Please see Item 7 – Types of Clients in the Disclosure Brochure for additional information. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 19  Item 6 – Portfolio Manager Selection and Evaluation Portfolio Manager Selection NestEgg serves as sponsor and as portfolio manager for the services under this Wrap Fee Program. Related Persons NestEgg personnel serve as portfolio managers for this Wrap Fee Program. Performance-Based Fees NestEgg does not charge performance-based fees for its investment advisory services. The fees charged by NestEgg are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Supervised Persons NestEgg Advisory Persons serve as portfolio managers for all accounts, including the services described in this Wrap Fee Program Brochure. Details of the advisory services provided are included in Item 4.A. of the Disclosure Brochure. Methods of Analysis Please see Item 8 of the Disclosure Brochure (included with this Wrap Fee Program Brochure) for details on the research and analysis methods employed by the Advisor. 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. NestEgg 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. 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 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 20  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 strategies: 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 has 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. 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. Proxy Voting NestEgg 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 7 – Client Information Provided to Portfolio Managers NestEgg is the sponsor and sole portfolio manager for the Program. The Advisor does not share Client information with other portfolio managers because it is the sole portfolio manager for this Wrap Fee Program. Please also see the NestEgg Privacy Policy (included after this Wrap Fee Program Brochure). Item 8 – Client Contact with Portfolio Managers NestEgg is a full-service investment management advisory firm. Clients always have direct access to the Portfolio Managers at NestEgg. Item 9 – Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 21  There are no legal or disciplinary events involving NestEgg or its owner. NestEgg 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 or 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 CRD# 125878. Please see Item 9 of the NestEgg Disclosure Brochure as well as Item 3 of each Advisory Person’s Brochure Supplement (included with this Wrap Fee Program Brochure) for additional information on how to research the background of the Advisor and its Advisory Persons. Other Financial Activities and Affiliations Please see Item 10 – Other Financial Activities and Affiliation and Item 14 – Client Referrals and Other Compensation of the Form ADV Part 2A – Disclosure Brochure (included with this Wrap Fee Program Brochure). B. Code of Ethics, Review of Accounts, Client Referrals, and Financial Information NestEgg has implemented a Code of Ethics that defines the Advisor’s fiduciary commitment to each Client. This Code of Ethics applies to all persons subject to NestEgg’s compliance program (our “Supervised Persons”). Complete details on the NestEgg Code of Ethics can be found under Item 11 – Code of Ethics, Participation in Client Transactions and Personal Trading in the Disclosure Brochure (included with this Wrap Fee Program Brochure). Investments in Review of Accounts Client accounts are monitored on a regular and continuous basis by Advisory Persons of NestEgg under the supervision of the Chief Compliance Officer (“CCO”). Details of the review policies and practices are provided in Item 13 of the Form ADV Part 2A – Disclosure Brochure. Other Compensation Participation in Institutional Advisor Platform NestEgg Advisors, Inc. has selected Osaic Wealth, Inc. (Osaic) as the introducing broker for your NestEgg Advisory account. Osaic has retained Pershing LLC as the clearing agent and/or custodian of your account. Please be advised that you will receive communications from both Osaic and Pershing concerning disclosures, fees, tax information, shareholder information and statements for your NestEgg Advisory account. Access to the Pershing platform is provided at no charge to the Advisor. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Pershing. The software and related financial support may benefit the Advisor, but not its Clients directly. 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 the Custodian over one that does not furnish similar software, systems support, or services. Item 14 – Other Compensation in the Form ADV Part 2A – Disclosure Brochure (included with this Wrap Fee Program Brochure) for details on additional compensation that may be received by NestEgg or its Advisory Persons. Each Advisory Person’s Brochure Supplement (also included with this Wrap Fee Program Brochure) provides details on any outside business activities and the associated compensation. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 22  Compensation for Client Referrals NestEgg does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Financial Information Neither NestEgg, nor its management, have any adverse financial situations that would reasonably impair the ability of NestEgg to meet all obligations to its Clients. Neither NestEgg, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. NestEgg 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 23  Form ADV Part 2B – Brochure Supplement for Buddy M. Levy CFP®, ChFC President, Chief Compliance Officer, and Shareholder Effective: December 3, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Buddy M. Levy CFP®, ChFC (CRD# 2387806) in addition to the information contained in the NestEgg Advisors, Inc. (“NestEgg” or the “Advisor”, CRD# 125878) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the NestEgg Disclosure Brochure or this Brochure Supplement, please contact us at (631) 952-2700 or via email at budlevy@nesteggadvisors.net. Additional information about Mr. Levy 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# 2387806. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 24  Item 2 – Educational Background and Business Experience Buddy M. Levy CFP®, ChFC, born in 1951, is dedicated to advising Clients of NestEgg as the President , Chief Compliance Officer, and Shareholder. Mr. Levy earned a Certificate in Financial Planning from College for Financial Planning in 1995. Mr. Levy earned a BA from Yeshiva University in 1973 and also a MBA from St. John’s University in 1975. In addition to Mr. Levy’s education and business experience, he has also obtained both the CERTIFIED FINANCIAL PLANNER™ (CFP) and the Chartered Financial Consultant™ (ChFC) designations. Additional information regarding Mr. Levy’s employment history is included below. Employment History: 10/1996 to Present President, Chief Compliance Officer, and Shareholder NestEgg Advisors, Inc. Registered Representative, Osaic Wealth, Inc. Registered Representative, American Portfolios Financial Services, Inc Investment Advisor Representative, American Portfolios Advisors, Inc 10/2024 to Present 09/2005 to 10/2024 10/2005 to 01/2023 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 87,000 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 25  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®. Chartered Financial Consultant™ (“ChFC®”) The Chartered Financial Consultant™ (ChFC®) program prepares you to meet the advanced financial planning needs of individuals, professionals, and small business owners. You'll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments, and estate planning. The ChFC® requires three years of full-time, relevant business experience, nine two-hour course-specific proctored exams, and 30 hours of continuing education every two years. Holders of the ChFC® designation must adhere to The American College’s Code of Ethics. Program Objectives: • Function as an ethical, competent and articulate practitioner in the field of financial planning • Utilize the intellectual tools and framework needed to maintain relevant and current financial planning knowledge and strategies. • Apply financial planning theory and techniques through the development of case studies and solutions. • Apply in-depth knowledge in a holistic manner from a variety of disciplines, namely, estate planning, retirement planning, or non-qualified deferred compensation. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Levy. Mr. Levy has never been involved in any legal, civil or criminal action. There have been no lawsuits, arbitration claims or administrative proceedings against Mr. Levy. 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. Levy. However, we do encourage you to independently view the background of Mr. Levy on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2387806. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 26  Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Levy is also a registered representative of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker- dealer (CRD# 23131), member FINRA, SIPC. In Mr. Levy’s separate capacity as a registered representative, Mr. Levy will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Levy. Neither the Advisor nor Mr. Levy will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Levy’s separate capacity as a registered representative. Mr. Levy spends approximately 5% of his time per month in his role as a registered representative of Osaic. Insurance Agency Affiliations Mr. Levy is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Levy’s role with NestEgg. As an insurance professional, Mr. Levy will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Levy 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. Levy or the Advisor. Mr. Levy spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Levy has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Levy serves as the President, Chief Compliance Officer, and Shareholder of NestEgg. Mr. Levy can be reached at (631) 952-2700. NestEgg has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of NestEgg. Further, NestEgg is subject to regulatory oversight by various agencies. These agencies require registration by NestEgg and its Supervised Persons. As a registered entity, NestEgg is subject to examinations by regulators, which may be announced or unannounced. NestEgg 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 27  Form ADV Part 2B – Brochure Supplement for Evan J. Levy, CFP® Financial Advisor Effective: December 3, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Evan J. Levy (CRD# 6188440) in addition to the information contained in the NestEgg Advisors, Inc. (“NestEgg” or the “Advisor”, CRD# 125878) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the NestEgg Disclosure Brochure or this Brochure Supplement, please contact us at (631) 952-2700 or via email at budlevy@nesteggadvisors.net. Additional information about Mr. Levy 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# 6188440. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 28  Item 2 – Educational Background and Business Experience Evan J. Levy, born in 1990, is dedicated to advising Clients of NestEgg as a Financial Advisor. Mr. Levy earned a BBA from Queens College in 2013. In addition to Mr. Levy’s education and business experience, he has also obtained the CERTIFIED FINANCIAL PLANNER™ (CFP) designation. Additional information regarding Mr. Levy’s employment history is included below. Employment History: Financial Advisor, NestEgg Advisors, Inc. Registered Representative, Osaic Wealth, Inc. Registered Representative, American Portfolios Financial Services, Inc Financial Advisor, American Portfolios Advisors, Inc. Financial Advisor Associate, Morgan Stanley Private Bank N.A. Financial Advisor Associate, Morgan Stanley Financial Advisor, Bank of America N.A. Financial Advisor, Merrill Lynch, Pierce, Fenner & Smith Inc. Financial Advisor, AXA Advisors Student, Queens College 05/2019 to Present 10/2024 to Present 06/2019 to 10/2024 05/2019 to 01/2023 03/2018 to 04/2019 01/2018 to 04/2019 03/2017 to 12/2017 08/2016 to 12/2017 04/2013 to 08/2016 08/2008 to 05/2013 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 87,000 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 NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 29  • 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®. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Levy. Mr. Levy 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. Levy. 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. Levy. However, we do encourage you to independently view the background of Mr. Levy on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6188440. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Levy is also a registered representative of Osaic Wealth, Inc. (“Osaic”). Osaic is a registered broker- dealer (CRD# 23131), member FINRA, SIPC. In Mr. Levy’s separate capacity as a registered representative, Mr. Levy will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Levy. Neither the Advisor nor Mr. Levy will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Levy’s separate capacity as a registered representative. Mr. Levy spends approximately 5% of his time per month in his role as a registered representative of Osaic. Insurance Agency Affiliations Mr. Levy is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Levy’s role with NestEgg. As an insurance professional, Mr. Levy will receive NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 30  customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Levy 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. Levy or the Advisor. Mr. Levy spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Levy has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Levy serves as a Financial Advisor of NestEgg and is supervised by Buddy Levy, the Chief Compliance Officer. Mr. Levy can be reached at (631) 952-2700. NestEgg has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of NestEgg. Further, NestEgg is subject to regulatory oversight by various agencies. These agencies require registration by NestEgg and its Supervised Persons. As a registered entity, NestEgg is subject to examinations by regulators, which may be announced or unannounced. NestEgg 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 31  Form ADV Part 2B – Brochure Supplement for Daniel P. Larsen, CFP®, MSBA Investment Advisor Representative Effective: December 3, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Daniel P. Larsen (CRD# 6171710) in addition to the information contained in the NestEgg Advisors, Inc. (“NestEgg” or the “Advisor”, CRD# 125878) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the NestEgg Disclosure Brochure or this Brochure Supplement, please contact us at (631) 952-2700 or via email at budlevy@nesteggadvisors.net. Additional information about Mr. Larsen 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# 6171710. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 32  Item 2 – Educational Background and Business Experience Daniel P. Larsen, born in 1957, is dedicated to advising Clients of NestEgg as a Investment Advisor Representative. Mr. Larsen earned a Master of Science Business Administration from San Diego State University in 2011. Mr. Larsen earned a Bachelor Science in Computer Science from National University in 1990. In addition to Mr. Larsen’s education and business experience, he has also obtained both the CERTIFIED FINANCIAL PLANNER™ (CFP) designation. Additional information regarding Mr. Larsen’s employment history is included below. Employment History: 10/2018 to Present 10/2024 to Present 11/2018 to 10/2024 10/2018 to 01/2023 03/2017 to 09/2018 10/2016 to 02/2017 01/2015 to 09/2016 Investment Advisor Representative, NestEgg Advisors, Inc. Registered Representative, Osaic Wealth, Inc. Registered Representative, American Portfolios Financial Services, Inc Financial Advisor, American Portfolios Advisors, Inc. Registered Representative and Investment Advisor Representative, Cetera Advisor Networks, LLC Administrative Associate, LPL Financial Registered Representative and Investment Advisor Representative, Cetera Advisor Networks, LLC 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 87,000 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 NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 33  • 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®. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Larsen. Mr. Larsen 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. Larsen. 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. Larsen. However, we do encourage you to independently view the background of Mr. Larsen on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6171710. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Larsen is also a registered representative of Osaic Wealth, Inc (“Osaic”). Osaic is a registered broker- dealer (CRD# 23131), member FINRA, SIPC. In Mr. Larsen’s separate capacity as a registered representative, Mr. Larsen will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Larsen. Neither the Advisor nor Mr. Larsen will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Larsen’s separate capacity as a registered representative. Mr. Larsen spends approximately 5% of his time per month in his role as a registered representative of Osaic. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 34  Insurance Agency Affiliations Mr. Larsen is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Larsen’s role with NestEgg. As an insurance professional, Mr. Larsen will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Larsen 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. Larsen or the Advisor. Mr. Larsen spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Larsen has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Larsen serves as a Investment Advisor Representative of NestEgg and is supervised by Buddy Levy, the Chief Compliance Officer. Mr. Levy can be reached at (631) 952-2700. NestEgg has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of NestEgg. Further, NestEgg is subject to regulatory oversight by various agencies. These agencies require registration by NestEgg and its Supervised Persons. As a registered entity, NestEgg is subject to examinations by regulators, which may be announced or unannounced. NestEgg 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 35  Privacy Policy Effective: December 3, 2025 Our Commitment to You NestEgg Advisors, Inc. (“NestEgg” 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. NestEgg (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. NestEgg 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 Assets and liabilities Social security or taxpayer identification number Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity information (including other Investment experience and goals Account institutions) What Information do we collect from other sources? legal Investment questionnaires and suitability documents Custody, brokerage and advisory agreements Account applications and forms Other advisory agreements and documents Transactional information with us or others Other information needed to service account NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 36  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. 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. Marketing Purposes NestEgg 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 NestEgg 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 NestEgg 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. 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. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 37  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 us at (631) 952-2700 or via email at budlevy@nesteggadvisors.net. NestEgg Advisors, Inc. 330 Motor Parkway, Hauppauge, NY 11788 Phone: (631) 952-2700 * Fax: (631) 952-2177 http://www.nesteggadvisors.net/ Page 38