PRINCIPLED WEALTH ADVISORS, LLC

ITEM 1 - COVER PAGE ADV PART 2A BROCHURE PRINCIPLED WEALTH 100 EAST RIVERCENTER BLVD., SUITE 810 COVINGTON, KY 41011 P / (859) 957-2737 W / PRINCIPLEDWEALTH.NET APRIL 22, 2026 This brochure provides information about the qualifications and business practices of Principled Wealth Advisors, LLC (“PWA”). If you have any questions about this brochure's contents, please contact us at (859) 957-2737. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or any state securities authority. PWA is a Registered Investment Adviser (“RIA”). Registration as an Investment Adviser with the SEC or any state securities authority does not imply a certain level of skill or training. Additional information about PWA is available on the SEC's website at http://www.adviserinfo.sec.gov/. You can search this site by a unique identifying number called an IARD number. The IARD number for PWA is 138143. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 1 OF 36  ITEM 2 - MATERIAL CHANGES SUMMARY OF MATERIAL CHANGES Under federal and state law, fiduciaries must make full disclosure to Clients of all material facts relating to the advisory relationship. This brochure provides clients or prospective clients with information and conflicts of interest about Principled Wealth Advisors, LLC that should be considered before or when obtaining our investment advisory services. We are required to update this item to describe the material changes made to this brochure on an annual basis and deliver to you, within 120 days of the end of the fiscal year, a free updated brochure that includes or is accompanied by a summary of material changes; or a summary of material changes and an offer to provide an updated brochure and how to obtain it. We will also provide interim disclosures regarding material changes, as necessary. Since our last annual amendment filing on January 30, 2026, the material changes are as follows are: • Our firm is transitioning from state registration to SEC registration. QUESTIONS & CONCERNS We encourage you to read this document in its entirety. Our Chief Compliance Officer, Jereme Ransick, remains available to address any questions or concerns regarding this Part 2A Brochure, including any material change disclosure or information described below. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 2 OF 36  ITEM 3 - TABLE OF CONTENTS ITEM 1 - COVER PAGE ___________________________________________________________________ 1 ITEM 2 - MATERIAL CHANGES ____________________________________________________________ 2 ITEM 3 - TABLE OF CONTENTS ____________________________________________________________ 3 ITEM 4 - ADVISORY BUSINESS ____________________________________________________________ 4 ITEM 5 - FEES AND COMPENSATION ____________________________________________________ 11 ITEM 6 - PERFORMANCE-BASED FEES & SIDE-BY-SIDE MANAGEMENT ______________________ 15 ITEM 7 - TYPES OF CLIENTS _____________________________________________________________ 15 ITEM 8 - METHODS OF ANALYSIS, STRATEGIES, & RISK OF LOSS ____________________________ 15 ITEM 9 - DISCIPLINARY INFORMATION __________________________________________________ 25 ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES & AFFILIATIONS ________________________ 25 ITEM 11 - CODE OF ETHICS, PARTICIPATION & INTEREST IN CLIENT TRANSACTIONS, & PERSONAL TRADING _____________________________________________________________________________ 28 ITEM 12 - BROKERAGE PRACTICES ______________________________________________________ 29 ITEM 13 - REVIEW OF ACCOUNTS _______________________________________________________ 31 ITEM 14 - CLIENT REFERRALS & OTHER COMPENSATION ___________________________________ 31 ITEM 15 - CUSTODY ___________________________________________________________________ 32 ITEM 16 - INVESTMENT DISCRETION _____________________________________________________ 33 ITEM 17 - VOTING CLIENT SECURITIES ___________________________________________________ 34 ITEM 18 - FINANCIAL INFORMATION ____________________________________________________ 34 PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 3 OF 36  ITEM 4 - ADVISORY BUSINESS ABOUT OUR FIRM Principled Wealth Advisors, LLC is currently registered with the Securities and Exchange Commission ("SEC") as an investment adviser, with its principal place of business located in Kentucky. Principled Wealth Advisors, LLC has been in business since 2004 and its principal owner is Jereme Ransick. Our Firm was registered with the SEC as an investment adviser in 2026. Registration as an Investment Adviser with the United States SEC or any state securities authority does not imply a certain level of skill or training. Our Firm currently has an office located in 100 East RiverCenter Blvd., Suite 810, Covington, KY 41011. This brochure is designed to provide detailed and precise information about each item noted in the table of contents. Certain disclosures are repeated in one or more items, and other disclosures are referred throughout to be as comprehensive as possible on the broad subject matters discussed. Within this brochure, specific terms in either are used as follows: PWA refers to Principled Wealth Advisors, LLC. “Firm,” “we,” “us,” and “our” refer to Principled Wealth Advisors, LLC. “Advisor,” “Investment Advisor Representative,” and “IAR” refers to our professional representatives who provide investment recommendations or advice on behalf of Principled Wealth Advisors, LLC. “You,” “yours,” and “Client” refers to Clients of Principled Wealth Advisors, LLC and its advisors. “Code” refers to our Firm’s Code of Ethics. “CCO” refers to our Chief Compliance Officer, Jereme Ransick. ADVISORY SERVICES WE OFFER Our Firm offers a variety of advisory services, which include discretionary and non-discretionary investment management, financial planning, consulting services and assets under advisement, independent third-party money management and 3(21) retirement services. Before rendering any preceding advisory services, Clients must enter into one or more written Investment Advisory Agreements (“Agreements”), setting forth the relevant terms and conditions of the advisory relationship. We do not provide tax or legal advice. Clients should consult with an expert on tax or legal issues. Our Firm manages portfolios for individuals, high-net-worth individuals and families, trusts, partnerships, retirement plans, corporations, and foundations. With our discretionary relationship, we will reallocate and rebalance the portfolio as appropriate to help meet the Client’s financial objectives. We trade Client portfolios based on our Firm’s market views and the Client’s financial goals. With our non-discretionary relationship, we will provide recommendations to help meet the Client’s financial objectives, but we must obtain the Client’s approval before making any transactions in the Client’s account. With our discretionary relationship, we will reallocate and rebalance the portfolio as appropriate to help meet your financial objectives. We trade Client portfolios based on our Firm’s market views and the Client’s financial goals. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 4 OF 36  With our non-discretionary relationship, we will provide recommendations to help meet your financial objectives, but we must obtain your approval before making any transactions in your account. We primarily invest in cash and money markets, equities, American Depositary Receipts (“ADRs”), fixed income and debt securities, mutual funds, and exchange-traded funds (“ETFs”). A portion of the account may be held in cash, cash equivalents, or money market funds as part of the overall investment strategy. Cash balances may have a higher concentration and represent a sizable portion of the Client’s overall portfolio, depending on the current investment outlook or strategy A Client’s investment allocation and our strategy will depend on the Client's responses in review meetings, written questionnaires, stated goals, risk tolerance, objectives, and any Client-directed preferences for ESG and Impact Investing. Clients are advised to promptly notify the Firm if there are changes in their financial situation or if they wish to place any limitations on managing their portfolios. We do not provide tax or legal advice. Clients should consult with an expert on tax or legal issues. Any tax or estate planning services provided by the Firm are advisory and consultative in nature and do not include the preparation of legal documents or tax returns. Our Firm will provide tax management or planning if engaged to do so. Our Firm typically requires a minimum account size of $250,000 for advisory accounts. However, sometimes, at our sole discretion, we may accept smaller accounts based on various criteria, such as anticipated future assets, related accounts, and other individual Client circumstances. Clients may impose reasonable restrictions on managing the accounts if the conditions do not impact the performance of a management strategy. INVESTMENT GUIDANCE™ Investment Guidance is the baseline level of advisory service provided by PWA. We create investment strategies that are managed and monitored on an ongoing basis in accordance with each Client’s stated investment objectives. We use strategies which focus primarily on investment goals, asset allocation, effective implementation and monitoring. Investment Guidance™ services may include: Discovery and documentation of basic Client goals Basic goal profiling and linking investments to time-horizon and priority categories Identification of an investment objective profile aligned to portfolios and/or goals Portfolio construction and asset allocation aligned with stated objectives Investment manager and strategy selection, including active, passive, and tax efficient approaches Ongoing investment monitoring and oversight relative to the investment objective profile and Client goals Basic portfolio distribution strategies and distribution rate review Beneficiary designation and account titling recommendations and implementation Periodic investment reviews and performance reporting in the context of objectives and markets Investment Guidance™ is included for all advisory Clients regardless of assets under management. Investment Guidance™ does not include comprehensive financial planning or ongoing coordination services beyond portfolio management. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 5 OF 36  WEALTH GUIDANCE™ Wealth Guidance™ builds upon Investment Guidance™ by integrating planning, coordination, and proactive advice across a Client’s broader financial life. At this level, PWA utilizes its principles- based planning process to align money with what is most important to the Client, emphasizing progress toward goals rather than investment performance alone while continuing to provide ongoing investment oversight. Wealth Guidance™ services may include all Investment Guidance services, plus: Discovery and documentation of Client goals, values, and financial principles Comprehensive goal profiling and linking investments to time-horizon, priority categories, and values Financial condition modeling and Success Likelihood™ Analysis, such as Tax Planning Insurance Planning ○ Cash Flow Planning ○ ○ Retirement Planning ○ Education Planning ○ Business Owner Planning ○ Social Security & Medicare Strategies ○ Longevity and Health Risk Strategies ○ ○ Estate Planning Ongoing goal progress tracking and reporting Coordination with outside professionals, including accountants and attorneys Wealth Guidance™ is generally available to Clients with assets under management of $1,000,000 or more, based on the scope and complexity of the Client’s planning needs. Clients below this threshold may access Wealth Guidance™ through a separate ongoing services agreement where the scope of services warrants such engagement. FAMILY WEALTH GUIDANCE™ Family Wealth Guidance™ represents an expanded level of service offered by PWA. This level is designed for families with significant wealth, complex planning needs, and intergenerational considerations requiring enhanced coordination and advisory oversight. Family Wealth Guidance incorporates Investment Guidance™ and Wealth Guidance™ while addressing both the tangible and intangible dimensions of family wealth. Family Wealth Guidance services may include all Wealth Guidance services, plus: Facilitation and moderation of family and intergenerational meetings Development and communication of family financial principles and legacy objectives Inter-family and generational coordination of estate and planning strategies Coordination of tax planning and execution with the family’s accounting professionals Advisor roundtable meetings to align attorneys, accountants, and other Advisors Support for philanthropic planning and charitable strategies Family Wealth Guidance is generally available to Clients with assets under management of $10,000,000 or more, based on the scope and complexity of the Client’s planning needs. Clients with assets below this level may engage Family Wealth Guidance through a separate ongoing services agreement. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 6 OF 36  SEPARATE FINANCIAL PLANNING, CONSULTING, AND ONGOING SERVICES In addition to investment advisory services, Clients may engage PWA for financial planning, consulting services, or ongoing planning services through a separate written agreement. These services are designed to address specific needs or to provide ongoing planning support independent of assets under management. Such services may include: Standalone or project-based financial planning engagements Ongoing planning, coordination, and monitoring services Cash flow, tax coordination, estate planning coordination, and family meetings Access to PWA planning tools, modeling systems, and Client portals FINANCIAL PLANNING The financial planning process is guided by generally accepted financial planning principles and may address, as applicable and appropriate to the Client’s circumstances, areas such as cash flow and budgeting, risk management and insurance planning, investment planning, tax planning coordination, retirement planning, education planning, estate planning coordination, and charitable or legacy planning. The scope and depth of analysis within each area will vary based on Client needs, priorities, and the information provided and does not require that every planning area be addressed in every engagement. Financial Planning Services do not include ongoing monitoring, updating, or ongoing coordination services. CONSULTING SERVICES (PROJECT-BASED OR LIMITED SCOPE) Consulting services are typically limited in scope and may be provided on a one-time or project basis. These engagements are designed to address specific questions, decisions, or planning needs and do not constitute comprehensive or ongoing financial planning unless expressly agreed upon in writing. Consulting services are provided on a project-based basis as set forth in the applicable consulting agreement. ONGOING WEALTH GUIDANCE™ AND FAMILY WEALTH GUIDANCE™ (NON-AUM BASED) Clients may also engage PWA for ongoing Wealth Guidance™ or Family Wealth Guidance™ through a separate ongoing services agreement when such services are not included in the Client’s investment advisory fee based on assets under management, or when the Client does not maintain assets under management with the Firm. Ongoing services agreements are not contingent upon maintaining a minimum level of assets under management unless expressly stated in the agreement. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 7 OF 36  LEGACY MANAGEMENT SERVICES Our Firm may advise a Client about legacy positions or other investments in Client portfolios. Clients can limit or restrict our trading and/or billing in these positions. INDEPENDENT THIRD-PARTY MANAGER SERVICES the Client’s accounts. If deemed appropriate, our Firm will utilize the services of an Independent Third-Party Manager (“ITPM” or “Investment Managers”) Investment to manage recommendations and securities trading will only be offered by or through the chosen ITPM. Our Firm will not advise on any specific securities when an account is managed by an ITPM. Before referring a Client, our Firm will conduct initial due diligence on ITPMs and ongoing reviews of their management of the Client’s accounts. To assist in selecting an ITPM, our Firm will gather information about the Client’s financial situation, investment objectives, and reasonable restrictions to be imposed upon the account management. Our Firm will periodically review the Investment Manager reports provided to the Client. We will periodically contact the Client to review their financial situation and objectives, communicate information to the Investment Manager as warranted, and assist the Client in understanding and evaluating the services provided. The Client will be expected to notify our Firm of any changes in their financial situation, investment objectives, or account restrictions that could affect their financial standing. By executing an Investment Advisory Agreement with our Firm, the Client gives our Firm the discretionary authority to select and replace the Investment Manager and to allocate assets among Investment Managers without obtaining additional Client consent. The services provided by the ITPM may include: Assessment of Client investment needs and objectives Implementation of an asset allocation Delivery of suitable style allocations (e.g., Income, Large Cap, Small Cap, Growth, Value, etc.) Facilitation of portfolio transactions Ongoing monitoring of investment vehicles’ performance Review of accounts for adherence to policy guidelines and asset allocation Reporting of the Client’s portfolio activity. Each Investment Manager has minimum account requirements that will vary between Investment Managers. Account minimums are typically higher for fixed-income accounts than for equity- based accounts. A complete description of the Investment Manager’s services, fee schedules, and account minimums will be disclosed in the Investment Manager’s disclosure brochure, which will be provided to the Client before or when an agreement for services is executed, and the account is established. When an ITPM is engaged, Clients will enter into a separate agreement directly with the Investment Manager and will receive the Investment Manager’s Form CRS, if applicable, and Form ADV Part 2A. Clients should review the Investment Manager’s disclosure documents carefully to understand the scope of services, fees, risks, and conflicts associated with the arrangement. FINANCIAL PLANNING SERVICES Our Firm offers financial planning services, which involve preparing a written financial plan covering specific or multiple topics. We provide full written financial plans, which may address one PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 8 OF 36  or several topics: Investment Planning, Retirement Planning, Insurance Planning, Tax Planning, Education Planning, Portfolios, and Allocation Review. Unless otherwise agreed to in writing, the Client is solely responsible for determining whether to implement our financial planning recommendations. Our financial planning services do not involve implementing transactions on your behalf nor include active and ongoing monitoring or management of your investments or accounts. The Client must execute a separate written agreement if the Client elects to implement any of our investment recommendations through our Firm or retain our Firm to monitor and manage investments actively. RETIREMENT PLAN FIDUCIARY AND NON-FIDUCIARY SERVICES When providing any non-discretionary investment advisory services, we will solely be making investment recommendations to the Sponsor, and the Sponsor retains full discretionary authority or control over assets of the retirement plan. We agree to perform any non-discretionary investment advisory services to the retirement plan as a fiduciary, as defined in ERISA Section 3(21)(A)(ii). The Sponsor may accept or reject any recommendation. We will act in good faith and with the degree of diligence, care, and skill that a prudent person rendering similar services would exercise under similar circumstances. When providing administrative services, we may support the Sponsor with plan governance and committee education; vendor management and service provider selection and review; investment education; or plan participant non-fiduciary education services. We agree to perform any administrative services solely in a capacity that would not be considered a fiduciary under ERISA or any other applicable law. Participant education is general in nature and does not include individualized investment advice unless otherwise agreed in writing. When we provide investment models and related recommendations to a plan or its fiduciaries for a fee pursuant to a written agreement, we will act as a “fiduciary” as defined under Section 3(21) of ERISA and Section 4975 of the Code with respect to such advice. If we provide only general information or non-fiduciary tools, we will not be acting as an ERISA or Code fiduciary for those services. ROLLOVER RECOMMENDATION DISCLOSURE Our Firm is considered a fiduciary under the Investment Advisers Act of 1940. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and the Internal Revenue Code, as applicable, which are laws governing retirement accounts. We must act in your best interest and not put our interests ahead of yours. At the same time, how we make money conflicts with Client interests. A Client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): leave the money in the former employer’s plan, if permitted, roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, rollover to an Individual Retirement Account (“IRA”), or cash out the account value (which depending upon the Client’s age, could result in adverse tax consequences). PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 9 OF 36  Our Firm may recommend a Client rollover plan assets to an IRA for which our Firm provides investment advisory services. As a result, our Firm and its advisors may earn an asset-based fee on the rolled assets. In contrast, a recommendation that a Client leave their plan assets with their previous employer or rollover the assets to a plan sponsored by a new employer will result in no compensation to our Firm. Therefore, our Firm has an economic incentive to encourage a Client to roll plan assets into an IRA that our Firm will manage, which presents a conflict of interest. To mitigate the conflict of interest, there are numerous factors that our Firm will consider before recommending a rollover, including but not limited to: the investment options available in the plan versus the investment options available in an IRA, fees and expenses in the plan versus the fees and expenses in an IRA, the services and responsiveness of the plan’s investment professionals versus those of our Firm, protection of assets from creditors and legal judgments, required minimum distributions and age considerations, and employer stock tax consequences, if any. The Chief Compliance Officer remains available to address client questions regarding the supervision and oversight of rollover and transfer assets. 529 PLAN SERVICE The Firm offers discretionary investment management for qualified tuition programs (“529 plans”). Under this service, Clients authorize the Firm in writing to select and manage the investment options available within the chosen 529 plan without obtaining Client approval prior to each change. Management generally includes initial allocation selection, periodic monitoring, and rebalancing or reallocations among available plan options as the beneficiary’s time horizon and the Client’s objectives evolve. The Firm’s authority is limited to the investment choices and rules of the selected 529 plan. The Firm does not have authority to withdraw funds, change account ownership, or change the beneficiary. Clients are responsible for notifying the Firm of material changes affecting the account’s management. CLIENT OBJECTIVES & RESTRICTIONS Our Firm tailors our investment management and advisory services continuously to meet the needs of our Clients. We seek to ensure Client portfolios are managed consistently with those needs and objectives in mind. We meet with Clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints, and other related factors relevant to managing their portfolios. Clients may impose reasonable restrictions on managing the accounts if the conditions do not impact the performance of a management strategy. WRAP FEE PROGRAM Our Firm does not sponsor or participate in a Wrap Program. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 10 OF 36  REGULATORY ASSETS UNDER MANAGEMENT As of April 1, 2026, our Firm had $252,109,486 in regulatory assets under management, approximately $247,420,994 of which was managed on a discretionary basis and $4,688,492 on a non-discretionary basis. ITEM 5 - FEES AND COMPENSATION In addition to the information provided in Item 4 – Advisory Business, this section details our Firm’s services and each service’s fees and compensation arrangement. The Client and Principled Wealth Advisors, LLC’s Investment Advisory Agreement will outline and agree upon the exact costs and other terms related to the Client’s Accounts. INVESTMENT MANAGEMENT FEE Our Firm offers investment management services for an annual fee based on the amount of assets under management. Our maximum annual advisory fee is 1.0%, and we have a minimum account size of $250,000. We retain the right to waive the minimum account size at our discretion. Our annual fee is reasonable in relation to (1) the services provided and (2) the fees charged by other investment advisers offering similar services/programs. Our annual fee is prorated and charged monthly or quarterly, in arrears, based on the value of the Client’s assets under management as of the close of business on the last business day of the previous month or quarter. Cash and cash equivalents, including money market funds, are subject to the agreed-upon advisory fee. Clients should understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash equivalents, or money market funds, especially in low-interest rate environments. Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client. The investment advisory fees will be deducted from the Client’s account and paid directly to our Firm by the qualified Custodian(s) of the Client’s account. The Client will authorize the Client’s account's qualified Custodian(s) to deduct fees from the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be shown on the monthly or quarterly statements provided by the Custodian. The Client should review the Client’s account statements received from the qualified Custodian(s) and verify that appropriate investment advisory fees are being deducted. The qualified Custodian(s) will not verify the accuracy of the investment advisory fees deducted. We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The investment management agreement will outline the fee charged to a Client and any breakpoints based on the level of assets managed. The fees are subject to change with prior written notice to the Client. Our annual investment advisory fee may be higher than that of other investment advisers that offer similar services and programs. In addition to our compensation, the Client may incur charges imposed at the mutual fund level (e.g., advisory fees and other fund expenses). Accounts initiated or terminated during a calendar month will be charged a prorated fee based on the days the Client account was open during that month. Any prepaid, unearned fees will be refunded upon termination of any account. Unless identified below under a different service offering, advisory fees shall be subject to the maximum outlined under this provision. PWA may negotiate this fee at their discretion. Some accounts will qualify for a lower advisory fee as determined by PWA. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 11 OF 36  LEGACY MANAGEMENT FEE Managed legacy positions are included within our Firm’s standard investment management fee and are outlined in the executed investment management agreement. FINANCIAL PLANNING FEE Our Firm provides standalone financial planning services under a flat fee arrangement. This arrangement charges a mutually agreed-upon fee for financial planning services. The range for a standalone financial plan typically ranges from $2,000 to $30,000 based on the scope and complexity of the plan. Fees charged for our financial planning services are negotiable based upon the type of Client, the services requested, the investment adviser representative providing advice, the complexity of the Client's situation, the composition of the Client's account, other advisory services provided, and the relationship of the Client and the investment adviser representative. The fee for the Client’s engagement is specified in the Client’s financial planning agreement with us. At our sole discretion, the Client may be required to pay the fee at the time the agreement is executed with our Firm; however, our Firm does not require or solicit prepayment of more than $1,200 in fees per Client, six months or more in advance. The fee is considered earned upon delivery of the financial plan, and any unpaid amount is immediately due. The Client may pay the fees owed for the financial planning services by submitting payment directly via a payment processor, check, or by deducting the fee from an existing investment account. If the Client elects to pay by automatic deduction from an existing investment account, they will provide written authorization to our Firm for such a charge. If the Client terminates the financial planning services after entering into an agreement with our Firm, the Client will be invoiced and responsible for immediate payment of any financial planning services performed by the Firm before receiving notice of termination. CONSULTING SERVICES & ASSETS UNDER ADVISEMENT FEE Our Firm provides consulting services based on a flat fee based on the scope and complexity of the project. Fees charged for consulting services are negotiable based on the type of Client, the services requested, the investment adviser representative providing advice, the complexity of the Client's situation, the composition of the Client's account, other advisory services provided, and the relationship of the Client and the investment adviser representative. This arrangement charges a mutually agreed-upon fee for consulting services. INDEPENDENT SUB-ADVISORY & THIRD-PARTY MANAGER SERVICE FEES A complete description of the ITPM’s services, fee schedules, and account minimums will be disclosed in the Investment Manager's disclosure brochure, which will be provided to the Client before or when an agreement for services is executed, and the account is established. Each third- party investment adviser is required under federal securities laws to provide their Clients, including ITPM Clients, with a Form ADV Part 2A (“Adviser Brochure”) that includes disclosures, and among other things, the fees charged to their Clients. The actual fee charged to the Client will vary depending on the ITPM. However, the total annual advisory fee charged by the ITPM will not exceed 1.15%. Fees charged by an Investment Manager are calculated in accordance with the applicable investment management agreement and may PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 12 OF 36  be deducted from the Client’s account either by the Investment Manager or by the qualified custodian on behalf of the Investment Manager, depending on the custodial platform or investment program used. Our Firm’s advisory fee is separate from and in addition to the fee charged by the Investment Manager, and our Firm does not receive any portion of the Investment Manager’s advisory fee. Accordingly, when both our Firm and an Investment Manager are engaged, the Client may pay combined advisory fees of up to 2.15% annually. With ITPMs, the Client may incur additional charges, including mutual fund sales loads, 12b-1 fees and surrender charges, and IRA and qualified retirement plan fees. Our Firm is committed to always working in the Client's best interest. There may be other Managers not affiliated with our Firm that may be suitable for a Client or may be more or less costly. As with any investment adviser, no guarantees can be made that the ITPM will achieve the Client’s financial goals or objectives. Further, no guarantees of performance can be offered. Clients should review the ITPM’s Brochure in its entirety, along with this Brochure, to fully understand the services, fees, agreements, and risks surrounding these arrangements and that these types of arrangements have layers of fees that may or may not be apparent without reading the ITPM’s Brochure and this Brochure, along with the offering document/prospectus for underlying investments. Schwab does receive other revenues in connection with the automated investment program. RETIREMENT PLAN FIDUCIARY AND NON-FIDUCIARY FEE For Retirement Plan Advisory Services compensation, we charge an advisory fee as negotiated with the Plan Sponsor and as disclosed in the Employer-Sponsored Retirement Plans Consulting Agreement (“Plan Sponsor Agreement”). Typically, the billing period for these fees is paid quarterly. This fee is negotiable, but the terms and the advisory fee are agreed upon in advance and acknowledged by the Plan Sponsor Agreement or Plan Provider’s account agreement. Fee billing methods vary depending on the Plan Provider. Our Firm or the Plan Sponsor may terminate the Agreement upon 30 days written notice to the other party. The Plan Sponsor is responsible for paying for the services rendered until the termination of the Agreement. 529 PLAN SERVICE FEE Advisory fees for 529 Plan accounts are assessed using one of the following billing methods, depending on the capabilities of the applicable 529 Plan program or custodian: ASSET-BASED ADVISORY FEE (WHERE SUPPORTED) When the 529 Plan program permits advisory fee deduction directly from the account, the Firm charges an asset-based advisory fee of up to 0.50% annually, calculated as a percentage of the market value of the 529 Plan assets under management. This fee is generally billed quarterly in arrears and deducted directly from the 529 Plan account. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 13 OF 36  FIXED ADVISORY FEE (WHERE ASSET-BASED BILLING IS NOT SUPPORTED) Certain 529 Plan programs do not support the deduction of advisory fees directly from the account. In such cases, the Firm charges a fixed annual advisory fee, typically $200 per 529 Plan account, billed directly to the Client outside of the 529 Plan account (e.g., via invoice or electronic payment) or deducted from another brokerage account. The advisory services provided to 529 Plan accounts are substantially similar regardless of the billing method utilized. Differences in billing structure are driven solely by administrative and operational limitations of the applicable 529 Plan program or custodian. ADMINISTRATIVE SERVICES PROVIDED BY SERVICE PROVIDERS Our Firm has contracted with certain portfolio management service providers to utilize their technology platforms to support data reconciliation, performance reporting, fee calculation, Client relationship maintenance, quarterly performance evaluations, and other functions related to managing Client accounts' administrative tasks. Due to this arrangement, these service providers will have access to Client accounts, but they will not serve as an investment adviser to our Clients or bill the accounts. Service providers charge Our Firm an annual fee for each account administered by its software. Please note that our Firm’s annual fee to the service provider will not increase the Client's fee. Our Firm will pay the annual fee from the portion of the management fee retained by Our Firm. Our Firm and third-party service providers are non-affiliated companies. in your Statement from the Custodian. Our firm has the ability to produce billing summaries, which can be provided upon request. ADDITIONAL FEES & EXPENSES In addition to the advisory fees paid to our Firm, Clients also incur certain charges imposed by other third parties, such as broker-dealers, Custodians, trust companies, banks, and other financial institutions. These additional charges include securities, transaction fees, custodial fees, fees charged by the SMA, ITPM, and Investment Manager charges imposed by a mutual fund or ETF in a Client’s account, as disclosed in the fund’s prospectus (e.g., fund management fees and other fund expenses), deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. Our brokerage practices are described at length in Item 12 below. Our Firm’s investment strategies may include mutual and ETFs. Our policy is to purchase institutional share classes of those mutual funds selected for the Client’s portfolio. The institutional share class generally has the lowest expense ratio. The expense ratio is the annual fee that all mutual funds or ETFs charge their shareholders. It expresses the percentage of assets deducted each fiscal year for funds expenses, including 12b-1 fees, management fees, administrative fees, operating costs, and all other asset-based costs incurred by the fund. Some fund families offer different classes of the same fund, and one share class may have a lower expense ratio than another. Mutual fund expense ratios are in addition to our fees; we do not receive any portion of these charges. If an institutional share class is not available for the mutual fund selected, the Advisor will purchase the least expensive share class available for the mutual fund. As share classes with lower expense ratios become available, we may use them in the Client’s portfolio or convert the existing mutual fund position to the lower-cost share class. Clients who transfer mutual funds into their accounts with our Firm would bear the expense of any contingent or deferred sales loads incurred upon selling the product. If a mutual fund has a frequent trading policy, the policy can limit a Client’s transactions PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 14 OF 36  in fund shares (e.g., for rebalancing, liquidations, deposits, or tax harvesting). All mutual fund expenses and fees are disclosed in the respective mutual fund prospectus. When selecting investments for our Clients’ portfolios, we might choose mutual funds on the Client’s account Custodian’s Non-Transaction Fee (NTF) list. This means that the Client’s account Custodian will not charge a transaction fee or commission associated with the purchase or sale of the mutual fund. The mutual fund companies that choose to participate in the Client’s Custodial NTF fund program pay a fee to the Custodian to be included in the NTF program. The mutual fund owners bear the fee that a company pays to participate in the program, as captured in the fund’s expense ratio. When choosing a fund from the Client’s Custodial NTF list, our Firm considers the expected holding period, position size, and expense ratio versus alternative funds. Depending on our Firm’s analysis and future events, NTF funds might not always be in the Client’s best interest. ITEM 6 - PERFORMANCE-BASED FEES & SIDE-BY-SIDE MANAGEMENT Performance-based fees are based on a share of capital gains on or appreciation of the assets in a Client’s account. Our Firm does not accept performance-based or other fees based on a share of capital gains or appreciation of a Client's assets. ITEM 7 - TYPES OF CLIENTS Our Firm provides investment management, investment advice, financial planning, consulting and advisement, and third-party portfolio management to individuals, high-net-worth individuals and families, trusts, partnerships, retirement plans, corporations, and foundations. Our Firm requires a minimum account value of $250,000 for advisory services. Clients have the option to aggregate all household accounts to meet this minimum. Exceptions to the minimum account requirement may be granted based on the Client's relationship with their representative. For fee calculation purposes, unless instructed or identified otherwise, we may aggregate related Client accounts, a practice commonly known as "householding" portfolios. Householding may result in lower fees than if each account were billed separately, as the combined value is used to determine the account size and the corresponding annualized fee. Our approach to householding considers the overall family dynamic and relationship. Additionally, if applicable, and as noted in the Investment Management Agreement, legacy positions may be excluded from the fee calculation. Clients must execute a written agreement with our Firm specifying the advisory services to establish a Client arrangement with us. ITEM 8 - METHODS OF ANALYSIS, STRATEGIES, & RISK OF LOSS METHODS OF ANALYSIS Our basis for investment recommendations is the Nobel Prize-winning concept known as Modern Portfolio Theory. This theory models how risk may be estimated and how assets may behave in relation to one another. We focus on the risk of the entire portfolio by considering how each investment may contribute to the overall risk of the Client’s portfolio. Through this process we construct an "efficient portfolio" – one which has a high expected return for a given level of risk. Asset allocation is the process of allocating portfolio funds among various asset classes. Extensive PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 15 OF 36  analysis has been performed which indicates this is by far the most important investment decision. Asset allocation decisions are derived from broad-based investment research into multiple asset classes. Asset allocation recommendations will be by asset classes. At a high level, there are three main asset classes – equities (stocks), fixed income (bonds), and cash/cash equivalents – each of which has different risk and reward profiles/behaviors. Asset classes are often further divided into domestic and foreign investments, and equities are often divided into small, intermediate, and large capitalization. In addition to the main asset classes we consider real estate investment trusts, multi-asset objective-based strategies and diversified alternatives (including commodity funds, hedge funds and managed future funds). INDEPENDENT THIRD-PARTY MANAGER (ITPM OR INVESTMENT MANAGER) Our Firm examines the Investment Manager's experience, expertise, investment philosophies, and past performance to determine if that Investment Manager has demonstrated an ability to invest over time and in different economic conditions. Our Firm monitors the Investment Manager’s underlying holdings, strategies, concentrations, and leverage as part of our Firm’s periodic risk assessment. Additionally, as part of our due diligence process, our Firm surveys the Investment Manager’s compliance and business enterprise risks. MUTUAL FUND OR ETF Our Firm examines the experience and track record of the Investment Manager of the mutual fund or ETF to determine if that Investment Manager has demonstrated an ability to invest over a period of time and in different economic conditions. Our Firm also looks at the underlying assets in a mutual fund or ETF to determine if there is a significant overlap in the underlying investments held in other funds in the Client’s portfolio. Our Firm also monitors the funds or ETFs to determine if they continue to follow their stated investment strategy. INVESTMENT STRATEGIES Our Firm may use any of the following investment strategies when managing Client assets and providing investment advice: LONG-TERM HOLDING Our Firm purchases securities with the intent to hold them in the Client's account long-term (longer than one year). In extreme circumstances, we may be forced to sell a fund completely within a year of buying it. An example would be a fund Manager resigns, and we do not have confidence in the new management. Also, fund positions may be trimmed occasionally to rebalance the portfolio. A risk in a long-term purchase strategy is that holding the security for this length of time may decline in value before we decide to sell. We do not guarantee the future performance of the account or any specific level of performance, the success of any investment decision or strategy we may use, or the success of the overall management of the account. The Client understands that the investment decisions our Firm makes for the Client’s account are subject to various market, currency, economic, political, and business risks and that those investment PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 16 OF 36  decisions will not always be profitable. Clients are reminded that investing in any security entails the risk of loss, which they should be willing to bear. STRATEGIC ASSET ALLOCATION The primary investment strategy used by our Firm is based on the diversification of the Client's assets among various investment vehicles and asset classes, popularly termed "Asset Allocation." Our Firm's recommendations focus primarily on achieving a diversified portfolio of investment assets with desirable risk and return characteristics. We meet regularly to evaluate new and reevaluate existing investment opportunities. During these meetings, we deliberate on issues regarding the proper allocation of Client assets based on current conditions. TACTICAL ASSET ALLOCATION in various categories to is an active management portfolio strategy that shifts the Tactical asset allocation percentage of assets held take advantage of market pricing anomalies or strong market sectors. This strategy allows portfolio Managers to create extra value by taking advantage of certain situations in the marketplace. It is a moderately active strategy since Managers return to the portfolio's original asset mix once reaching the desired short-term profits. USE OF ALTERNATIVE INVESTMENTS If deemed appropriate for your portfolio, our Firm may recommend "alternative investments.” Alternative investments may include a broad range of underlying assets including hedge funds, private equity, venture capital, registered, publicly traded securities, structured notes, and private real estate investment trusts. Alternative investments are speculative, not suitable for all Clients, and intended for only experienced and sophisticated investors who are willing to bear the high risk of the investment, which can include: loss of all or a substantial portion of the investment due to leveraging, short-selling, or other speculative investment practices; lack of liquidity in that there may be no secondary market for the fund and none expected to develop; volatility of returns; potential for restrictions on transferring an interest in the fund; potential lack of diversification and resulting higher risk due to concentration of trading authority with a single adviser; absence of information regarding valuations and pricing; potential for delays in tax reporting; less regulation and often higher fees than other investment options such as mutual funds. The SEC requires investors to be accredited to invest in these more speculative alternative investments. Investing in a fund concentrating on a few holdings may involve heightened risk and greater price volatility. DESCRIPTION OF MATERIAL, SIGNIFICANT OR UNUSUAL RISKS Our Firm generally invests Client cash balances in money market funds, FDIC Insured Certificates of Deposit, high-grade commercial paper and/or government backed debt instruments. Ultimately, our Firm tries to achieve the highest return on Client cash balances through relatively low-risk conservative investments. In most cases, at least a partial cash balance will be maintained in a money market account so that our Firm may debit advisory fees for our services related to our Asset Management and Comprehensive Portfolio Management services, as applicable. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 17 OF 36  RISK OF LOSS A Client’s investment portfolio is affected by general economic and market conditions, such as interest rates, availability of credit, inflation rates, economic conditions, changes in laws, and national and international political circumstances. 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. Our Firm will assist Clients in determining an appropriate strategy based on their tolerance for risk. While we are alert to indications that data may be incorrect, there is always a risk that our analysis may be compromised by inaccurate or misleading information. ACTIVE MANAGEMENT RISK Due to its active management, a portfolio could underperform other portfolios with similar investment objectives or strategies. ALLOCATION RISK A portfolio may use an asset allocation strategy to pursue its investment objective. There is a risk that a portfolio’s allocation among asset classes or investments will cause a portfolio to lose value or cause it to underperform other portfolios with a similar investment objective or strategy or that the investments themselves will not produce the returns expected. ALTERNATIVE RISK Alternative investments include other additional risks. Lock-up periods and other terms obligate Clients to commit their capital investment for a minimum period, typically no less than one or two years and sometimes up to 10 or more years. Illiquidity is considered a substantial risk and will restrict the ability of a Client to liquidate an investment early, regardless of the success of the investment. Alternative investments are difficult to value within a Client’s total portfolio. There may be limited availability of suitable benchmarks for performance comparison; historical performance data may also be limited. In some cases, there may be a lack of transparency and regulation, providing an additional layer of risk. Some alternative investments may involve the use of leverage and other speculative techniques. As a result, some alternative investments may carry substantial additional risks, resulting in the loss of some or all the investment. Using leverage and certain other strategies will result in adverse tax consequences for tax-exempt investors, such as the possibility of unrelated business taxable income, as defined under the U.S. Internal Revenue Code. CAPITALIZATION RISK Small-cap and mid-cap companies may be hindered due to limited resources or less diverse products or services. Their stocks have historically been more volatile than the stocks of larger, more established companies. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 18 OF 36  COMPANY RISK The risk related to a Firm’s business plans, stock valuation, profitability, accounting practices, growth strategy, and other factors particular to a company rather than the overall market. Some of these risks cannot be predicted, such as the retirement or death of a senior executive, which may lead to negative performance in the future. CONCENTRATION RISK Strategies concentrated in only a few securities, sectors or industries, regions or countries, or asset classes could expose a portfolio to greater risk. They may cause the portfolio value to fluctuate more widely than a diversified portfolio. Overexposure to certain sectors or asset classes (e.g., MLPs, REITs, etc.) may be detrimental to an investor if there is a negative sector move. CREDIT RISK The credit rating of an issuer of a security is based on, among other things, the issuer’s historical financial condition and the rating agencies’ investment analyses at the time of rating. An actual or perceived deterioration of the ability of an issuer to meet its obligations would harm the value of the issuer’s securities. CURRENCY RISK If an account invests directly in non-U.S. currencies or in securities that trade in and receive revenues in non-U.S. currencies or in derivatives that provide exposure to non-U.S. currencies, it will be subject to the risk that those currencies will decline in value relative to the U.S. dollar. Currency rates in foreign countries may fluctuate significantly over short periods for several reasons, including changes in interest rates, intervention (or the failure to intervene) by U.S. or foreign governments, central banks, or supranational entities such as the International Monetary Fund, or by the imposition of currency controls or other political developments in the United States or abroad. As a result, an account’s investments in non-U.S. currency- denominated securities may reduce the account's returns. Foreign currency exchange transactions are conducted on a spot (i.e., cash) basis at the spot rate prevailing in the foreign currency exchange market or through entering forward contracts to purchase or sell the currency. CYBERSECURITY RISK Increased Internet use makes a portfolio susceptible to operational and informational security risks. In general, cyber incidents can result from deliberate attacks or unintentional events. Cyberattacks include but are not limited to infection by computer viruses or other malicious software code, gaining unauthorized access to systems, networks, or devices through “hacking” or other means to misappropriate assets or sensitive information, corrupting data, or causing operational disruption. Cybersecurity failures or breaches of third-party service providers may cause disruptions at third-party service providers and impact our business operations, potentially resulting in financial losses; the inability to transact business; violations of applicable privacy and other laws, regulatory fines, or penalties; reputational damage; unanticipated expenses or other compensation costs; or additional compliance costs. Our PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 19 OF 36  Firm has an established business continuity and disaster recovery plan and related cybersecurity procedures designed to prevent or reduce the impact of such risks; there are inherent limitations in such plans and systems due in part to the evolving nature of technology and cyberattack tactics. DEFLATION RISK When inflation or expectations are low, the value and income of an account’s investments in inflation-linked securities could fall, resulting in losses. DIGITAL ASSET & CRYPTO CURRENCY RISK Digital assets and the securities derived from them (including ETFs and mutual funds) are highly speculative and historically subject to extreme price volatility. Prices can fluctuate significantly over short periods due to market sentiment, regulatory developments, technological advancements, or macroeconomic events. The legal and regulatory environment for cryptocurrencies and digital asset investments is rapidly evolving. Changes in regulation - either domestically or globally - could adversely affect the value, liquidity, or legality of certain digital asset-based funds. Future actions by regulatory authorities may restrict or otherwise impact the operation, marketing, or underlying holdings of these funds. EQUITY RISK Equity instruments are subject to equity market risk, the risk that common stock prices fluctuate over short or extended periods. Equity securities have greater price volatility than fixed-income securities. The market price of equity securities may increase or decrease, sometimes rapidly or unpredictably. Equity securities may decline in value due to factors affecting markets, industries, sectors or geographic regions represented in those markets, or individual security concerns. EMERGING MARKETS RISK The risks of foreign investing are heightened for securities of companies in emerging market countries. In most cases, emerging market countries' economic and political structures do not compare favorably with the U.S. or other developed countries regarding wealth and stability. Their financial markets often lack liquidity. In addition to all the risks of investing in foreign developed markets, emerging market securities are susceptible to governmental interference, local taxes on investments, restrictions on gaining access to sales proceeds, and less efficient trading markets. These factors can make emerging market investments more volatile and less liquid than investments in developed markets. ETF & ETN RISK ETFs and ETNs are, by definition, portfolios of securities. Although the unsystematic risk associated with investments in ETFs and ETNs may be low relative to investments in securities of individual issuers, some events can trigger sharp, and sometimes adverse, price movements in ETFs and ETNs unrelated to the markets' general activities. These events include unexpected dividends, changes to regular dividend amounts, announcements of rights offerings, and possible unexpected revisions to the net asset values of the ETF and ETN. ETFs are subject to PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 20 OF 36  market risk, whereas ETNs are subject to both market risk and the credit risk of the issuer of the ETN. Further, certain Client accounts may hold (or short-sell) positions in volatility-related ETFs and ETNs. Leveraged ETFs and mutual funds, sometimes labeled “ultra” or “2x,” for example, are designed to provide a multiple of the underlying index’s return, typically daily. Inverse products are designed to provide the opposite of the underlying index's return, typically daily. These products differ and can be riskier than traditional ETFs and mutual funds. Although these products are designed to provide returns that correspond to the underlying index, they may not be able to exactly replicate the performance of the index because of fund expenses and other factors. This is referred to as a tracking error. Continual re-setting of returns within the product may add to the underlying costs and increase the tracking error. As a result, this may prevent these products from achieving their investment objective. In addition, compounding of the returns can produce a divergence from the underlying index over time, particularly for leveraged products. Return distortions may be magnified in highly volatile markets with significant positive and negative swings. Some deviations from the stated objectives to the positive or negative are possible and may or may not correct themselves over time. These products use various strategies to accomplish their objectives, including swaps, futures contracts, and other derivatives. These products may not be diversified and can be based on commodities or currencies. These products may have higher expense ratios and be less tax- efficient than more traditional ETFs and mutual funds. FIXED INCOME & DEBT RISK Debt securities are affected by changes in interest rates. When interest rates rise, the value of debt securities is likely to decrease. Conversely, when interest rates fall, the values of debt securities are likely to increase. The values of debt securities may also be affected by changes in the issuing entities' credit rating or financial condition. FOREIGN INVESTING RISK Investments in securities of foreign issuers may involve risks, including adverse fluctuations in currency exchange rates, political instability, confiscations, taxes, restrictions on currency exchange, difficulty in selling foreign investments, and reduced legal protection. These risks may be more pronounced for investments in developing countries. FREQUENT TRADING RISK A portfolio Manager may actively and frequently trade investments in a portfolio to carry out its investment strategies. Frequent trading of investments increases the possibility that a portfolio, as relevant, will realize taxable capital gains (including short-term capital gains, which are typically taxable at higher rates than long-term capital gains for U.S. federal income tax purposes), which could reduce a portfolio's after-tax return. Frequent trading can also mean higher brokerage and other transaction costs, which could reduce a portfolio's return. The trading costs and tax effects of portfolio turnover can adversely affect its performance. GEOGRAPHIC CONCENTRATION RISK If an account concentrates its investments in a particular geographic region or country, its performance is closely tied to the market, currency, social, political, economic, environmental, PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 21 OF 36  and regulatory conditions within that country or region. These conditions include anticipated or actual government budget deficits or other financial difficulties, levels of inflation and unemployment, fiscal and monetary controls, and political and social instability in such countries and regions. As a result, the account is likely to be more volatile than an account with more geographically diverse investments. INDUSTRY OR SECTOR RISK An account that focuses its investments in specific industries or sectors is more susceptible to developments affecting those industries and sectors than a more broadly diversified fund. Issuers in a single industry can react similarly to market, economic, industry, social, political, regulatory, and other conditions. For example, suppose an account has significant investments in technology companies. In that case, the account may perform poorly during a downturn in one or more industries or sectors that heavily impact technology companies. INTEREST RATE RISK When interest rates increase, the value of the account’s investments may decline, and the account’s share value may decrease. This effect is typically more pronounced for intermediate and longer-term obligations. This effect is also typically more pronounced for mortgages and other asset-backed securities since the value may fluctuate more significantly in response to interest rate changes. When interest rates decrease, the account’s current income may decline. ISSUER RISK The risk is that an issuer of a security may perform poorly, and therefore, the value of its securities may decline. Poor management decisions, competitive pressures, technological breakthroughs, reliance on suppliers, labor problems or shortages, corporate restructurings, fraudulent disclosures, natural disasters, or other events, conditions, or factors may cause inferior performance. LEGACY HOLDING RISK Investment advice may be offered on any investment a Client holds at the start of the advisory relationship. Depending on tax considerations and Client sentiment, these investments will be sold over time, and the assets invested in the appropriate strategy. As with any investment decision, there is the risk that timing with respect to the sale and reinvestment of these assets will be less than ideal or even result in a loss to the Client. MANAGEMENT RISK An account is subject to the risk that judgments about the attractiveness, value, or potential appreciation of the account’s investments may prove to be incorrect. If the selection of securities or strategies fails to produce the intended results, the account could underperform other accounts with similar objectives and investment strategies. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 22 OF 36  MARKET RISK Even a long-term investment approach cannot guarantee a profit. Economic, political, and issuer-specific events will cause the value of securities to rise or fall. Because the value of investment portfolios will fluctuate, there is the risk that you will lose money, and your investment may be worth less upon liquidation. Due to a lack of demand in the marketplace or other factors, an account may only be able to sell some or all the investments promptly or may only be able to sell assets at desired prices. MUNICIPAL BOND RISK Investments in municipal bonds are affected by the municipal market and the factors in the cities, states, or regions where the strategy invests. Issues such as legislative changes, litigation, business and political conditions relating to a particular municipal project, municipality, state, or territory, and fiscal challenges can impact the value of municipal bonds. These matters can also impact the ability of the issuer to make payments. Also, the public information about municipal bonds is less than that for corporate equities or bonds. Additionally, supply and demand imbalances in the municipal bond market can cause deterioration in liquidity and a lack of price transparency. MUTUAL FUND OR ETF RISK Our models and accounts may use certain ETFs and mutual funds to invest primarily in alternative investments or strategies. Investing in these alternative investments and strategies may only be suitable for some of our Clients. These include special risks, such as those associated with commodities, real estate, and leverage, selling securities short, use of derivatives, potential adverse market forces, regulatory changes, and potential ill-liquidity. Special risks are associated with ETFs that invest principally in real estate securities, such as sensitivity to changes in real estate values or changes in interest rates and price volatility due to the ETF’s concentration in the real estate market. The risks with mutual funds include the costs and expenses within the fund that can impact performance, change of Managers, and the fund straying from its objective (i.e., style drift). Mutual funds have certain costs associated with underlying transactions and operating costs, such as marketing and distribution expenses and advisory fees. Mutual fund costs and expenses vary from fund to fund and will impact a mutual fund’s performance. Additionally, mutual funds typically have different share classes, as further discussed below, that trade at different Net Asset Values (“NAV”) as determined at the daily market close and have different fees and expenses. PERFORMANCE OF UNDERLYING MANAGER RISK We select the mutual funds and ETFs in the asset allocation portfolios. However, we depend on the Manager of such funds to select individual investments in accordance with their stated investment strategy. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 23 OF 36  REINVESTMENT RISK The possibility of investing a bond’s cash flows at a rate lower than the expected rate of return assumed at the time of buying the bond. Reinvestment risk is high for bonds with long maturities and high coupons. SECTOR RISK The danger is that the stocks of many companies in one sector (like health care or technology) will fall in price simultaneously because of an event that affects the entire industry. SOCIALLY RESPONSIBLE INVESTING & ESG RISK Clients utilizing responsible investing strategies and environmental, social responsibility, and corporate governance (ESG) factors may underperform strategies that do not utilize responsible investing and ESG considerations. Responsible investing and ESG strategies may operate by excluding certain issuers' investments or by selecting investments based on compliance with factors such as ESG. This strategy may exclude certain sectors or industries from a Client’s portfolio, potentially negatively affecting the Client’s investment performance if the excluded sector or industry outperforms. Responsible investing and ESG are subjective by nature. Our Firm may rely on analysis and ‘scores’ provided by third parties in determining whether an issuer meets our Firm’s standards for inclusion or exclusion. A Client’s perception may differ from our Firm or a third party on how to judge an issuer's adherence to responsible investing principles. THIRD PARTY MONEY MANAGER RISK When implementing third-party model portfolios, the Firm selects the model and determines its appropriateness for a client. The Adviser may deviate from a model to accommodate restrictions, tax considerations, cash flows, or other client circumstances, which may cause performance to differ from model results. Clients are subject to model risk including the risk that the model’s assumptions, allocations, or underlying holdings may underperform or be changed by the model provider without notice. TIMING RISK The risk is that the investment needs to perform better after its purchase or sale. Moreover, if the Client requires redemption, the Client may face a loss due to poor overall market performance or security performance at that time. VALUE INVESTING RISK Value investing risk is the risk that value stocks do not increase in price, not issue the anticipated stock dividends, or decline in price, either because the market fails to recognize the stock’s intrinsic value or because the expected value was misgauged. If the market does not recognize that the securities are undervalued, the prices of those securities might not appreciate as anticipated. They also may decline in price even though they are already PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 24 OF 36  undervalued in theory. Value stocks are typically less volatile than growth stocks but may lag behind growth stocks in an up market. ITEM 9 - DISCIPLINARY INFORMATION Registered investment advisers are required to provide information about all disciplinary information that would be material to a Client’s evaluation of our Firm or the integrity of its management. Clients should refer to the Advisor’s Form ADV Part 2B Brochure Supplement. If the Client did not receive the Advisor’s Form ADV Part 2B Brochure Supplement, the Client should contact the Chief Compliance Officer using the information provided on the cover page of this Brochure. Our Chief Compliance Officer is available to address any questions a Client or prospective client may have regarding the above or any information outlined in this Brochure. Our Firm has no legal or disciplinary events that are material to a Client or prospective clients, evaluation of our advisory business, or the integrity of our management services. ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES & AFFILIATIONS INDUSTRY ACTIVITIES Clients should review our IARs Form ADV Part 2B Brochure Supplement to determine whether the Client’s IAR is engaged in any of the activities described below that may create a conflict of interest. If the Client did not receive the Advisor’s Form ADV Part 2B Brochure Supplement, the Client should contact the Firm’s Chief Compliance Officer using the information on the cover page of this Brochure. The Chief Compliance Officer is available to address any questions a Client or prospective client may have regarding any of the below conflicts of interest, or any other information outlined in this Brochure. BROKER-DEALER AFFILIATED Our Firm is not a broker-dealer, but some of the IARs are Registered Representatives of Commonwealth Financial Network (“Commonwealth”), a full-service broker-dealer, member FINRA/SIPC, which compensates them for effecting securities transactions. When placing securities transactions through Commonwealth in their capacity as Registered Representatives, they will earn sales commissions. Because some of the IARs are dually registered representatives and agents of Commonwealth and our Firm, Commonwealth, has specific supervisory and administrative duties under the requirements of FINRA Conduct Rule 3280. Commonwealth and our Firm are not affiliated companies. Some of our IARs spend a portion of their time in connection with broker- dealer activities. As a broker-dealer, Commonwealth engages in various activities normally associated with securities brokerage firms. Pursuant to the investment advice given by our Firm or its IARs, investments in securities may be recommended for Clients. If Commonwealth is selected as the broker-dealer, Commonwealth and its Registered Representatives, including some of the IARs of our Firm, may individually receive commissions for executing securities transactions. If Commonwealth is selected as the broker-dealer, the transaction charges may be higher or lower than the charges the Client may pay if the transactions were executed at other broker-dealers. The Client should note, however, that the Client is under no obligation to purchase securities through the IARs of our Firm or Commonwealth. Moreover, the Client should note that under the rules and regulations of FINRA, Commonwealth must maintain certain Client records and perform other functions regarding certain aspects of the PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 25 OF 36  investment advisory activities of its Registered Representatives. These obligations require Commonwealth to coordinate with and have the cooperation of its Registered Representatives that operate as or are otherwise associated with investment advisers other than Commonwealth. Accordingly, Commonwealth may limit the use of certain custodial and brokerage arrangements available to Clients of our Firm, and Commonwealth may collect, as paying agent of our Firm, the investment advisory fee remitted to our Firm by the account Custodian. Commonwealth may retain a portion of the investment advisory fee Clients pay as a charge for the functions it performs and may be further re-allowed to other Registered Representatives of Commonwealth. The charge will not increase the advisory fee Clients have agreed to pay our Firm. Some of the IARs, in their capacity as Registered Representatives of Commonwealth or as agents appointed with various life, disability, or other insurance companies, receive insurance commissions, fee trails, or other compensation from the respective product sponsors or because of effecting securities transactions for Clients. However, Clients should note that they are not obligated to purchase investment products through our IARs. As a result of the relationship with Commonwealth, they may have access to certain confidential information (e.g., financial information, investment objectives, transactions, and holdings) about our Clients, even if the Client does not establish any account through Commonwealth. If a Client would like a copy of the Commonwealth Privacy Policy, please contact our Firm’s CCO. The contact information for our Firm can be found on the Cover Page of this Brochure. THIRD-PARTY MONEY MANAGER (TPMM) AGREEMENTS Our Firm has TPMM Agreements with other registered investment advisers. These agreements allow our Firm to allocate Client assets for participation in their Programs. Our Firm is responsible to determine whether participation in the Program is appropriate for our Clients. Under the programs, the TPMM provides discretionary investment management services to our Firm and makes available investment strategy models of investment managers appointed by the TPMM. These models seek to achieve particular investment goals and are not tailored to individual Clients. Our Firm may allocate Client assets to one or more of TPMM models which match a Client’s objectives. The TPMM then invests the allocated funds in accordance with the selected models as updated from time to time by the TPMM or investment managers appointed by the TPMM. In most cases, the TPMM will implement those models and execute transactions; in others, the investment manager will do so. The TPMMs charge our Firm an investment management fee for participation in the program. Our Firm has instructed the TPMM to operationally facilitate the deduction of the investment management fees directly from our Firm’s Clients’ accounts held at the custodian. Other transaction costs are also charged to the Client, including without limitation execution charges imposed by unaffiliated broker/dealers or exchanges, wire transfer fees, auction fees, and transfer taxes. Clients with assets allocated to the program are subject to certain risks, including the investment manager implementing its model for its other accounts before implementing it for our Clients. In that case, securities may be traded by our Clients at prices different than those obtained by the manager’s other Clients. The risk of price deviations is greater for large orders and thinly traded securities. Additionally, performance of our Client’s investments in a model may deviate from the performance of other accounts in such models or those managed by the TPMM or the investment manager. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 26 OF 36  FUND AND ETF MODELS-BASED PORTFOLIOS Our Firm may choose to invest its Clients’ assets into model portfolios of mutual funds and ETFs created by a TPMM. This may include models or programs that consist of allocations to TPMM Funds and TPMM ETFs and certain families of third-party mutual funds or ETFs. Under the models and programs, TPMMs provide non-discretionary services to our Firm through the publication of investment models consisting of allocations to different funds allocated to the models. Specifically, each TPMM: (1) makes available the models, developed and periodically updated by the TPMM designed to achieve the model’s stated investment objective or goal based upon the TPMM’s capital market assumptions and any other criteria that the TPMM, in its sole discretion, determines is relevant; and (2) periodically publishes for consideration by firm revisions to a model’s percentage asset allocations among the underlying TPMM Funds, TPMM’s ETFs, third- party funds, or third-party ETFs, or adds, removes, or otherwise changes the individual TPMM Funds, TPMM ETFs, third-party funds, or third-party ETFs underlying an existing model. The TPMM and its affiliates earn fees from the TPMM Funds and TPMM ETFs, which costs are indirectly borne by Clients invested in these models. As a result, the TPMM does not charge our Firm or its Clients a direct fee for the use of the TPMM models or programs. Although if the TPMM has an affiliated custodian, they could charge a custodial platform fee on Client assets invested in TPMM ETF products. Some models and programs charge direct fees that will be assessed to Clients. INSURANCE COMPANIES In their individual capacities, some of our Firm’s IARs are agents for various third-party insurance companies. As such, these individuals may receive separate yet customary commission compensation for implementing product transactions on our advisory Clients' behalf. Clients, however, are not obligated to engage IARs when considering implementing advisory or insurance recommendations. Implementing any or all recommendations is solely at the Client's discretion. PERSONAL RELATIONSHIPS From time to time, our Firm may provide investment advisory services to individuals with whom our personnel have personal relationships, such as friends or family members. These relationships may include jointly held accounts, informal financial assistance, or investment management services provided at a reduced or waived fee. While these accounts are subject to the same investment process, policies, and procedures as all other Client accounts, there is a potential for perceived or actual conflicts of interest, including the possibility of preferential treatment or allocation of investment opportunities. To address this, we monitor and supervise these accounts as we would any other Client account, and any deviations in treatment (e.g., fees or access to products) are documented and reviewed by the Chief Compliance Officer. Our policies prohibit favoritism and require that investment decisions be made in the best interest of each Client, regardless of relationship status. OTHER FINANCIAL INDUSTRY ACTIVITIES Our Firm, and our IARs, do not have a related company that is a (1) broker-dealer, municipal securities dealer, government securities dealer or broker, (2) investment company or other pooled investment vehicle (including a mutual fund, closed-end investment company, unit investment PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 27 OF 36  trust, private investment company or “hedge fund,” and offshore fund), (3) other investment adviser or financial planner, (4) futures commission merchant, commodity pool operator, or commodity trading advisor, (5) banking or thrift institution, (6) accountant or accounting firm, (7) lawyer or law firm, (8) insurance company or agency, (9) pension consultant, (10) real estate broker or dealer, or (11) sponsor or syndicator of limited partnerships. ITEM 11 - CODE OF ETHICS, PARTICIPATION & INTEREST IN CLIENT TRANSACTIONS, & PERSONAL TRADING Our Firm maintains a Code of Ethics to reinforce the fiduciary principles governing our Firm and its employees. The Code, among other things, requires all employees to act with integrity and ethics, and professionalism. Policies against overreaching, self-dealing, insider trading, and conflicts of interest are outlined in our Code. Our Code forbids employees from trading, either personally or on behalf of others, based on non-public material information or communicating non-public material information to others violating the law. Additionally, our Code sets forth restrictions and quarterly attestations on receiving gifts, outside business activities, personal trading activity, maintenance of personal brokerage accounts, and other matters. The Code is appropriately designed and implemented to prevent or eliminate potential conflicts of interest between our Firm, our employees and IARs, Clients, and investors. We always strive to make decisions in our Client's best interest should a conflict of interest arise. Clients should be aware that no set of rules, policies, or procedures can anticipate, avoid, or address all potential conflicts of interest. PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS & PERSONAL TRADING Our employees, IARs, and our associated persons are not prohibited from owning or trading securities bought, sold, and recommended to our Clients, provided such personal trading activity complies with the parameters, limitations, and requirements of the Code. Employees, IARs, and associated persons must receive approval from our Firm’s CCO when engaging in reportable securities transactions. Our CCO is responsible for reviewing all employees', IARs, and associated persons' trading when they occur and periodically reviewing trading activity. Our CCO has broad discretion to reject employee trading for any reason. Our Firm’s policies and procedures related to the personal trading activity of employees aim to demonstrate our commitment to placing Clients’ interests ahead of our trading interests. While our Firm does not maintain a proprietary trading account and therefore does not have a direct material financial interest in any securities it recommends to Clients, in certain situations, our Firm’s employees and associated persons may purchase interests in the same securities at the same or different portfolio percentages or risk levels, in which one or more Clients is investing or has invested. Conversely, a Client may purchase interests in security where our employees, IARs, and associated persons are investing or have invested. Any exceptions to the Code require the prior approval of the CCO. We will provide a copy of the Code to any Client or prospective client upon such written or verbal request. Such requests should be directed to our Firm’s CCO at the contact information listed in Item 1 - Cover Page of this Brochure. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 28 OF 36  ITEM 12 - BROKERAGE PRACTICES INVESTMENT MANAGEMENT SERVICES Clients must maintain assets in an account with a “qualified Custodian,” a broker-dealer or bank. If our Firm is asked to give a recommendation, our recommendation is based on the broker’s cost and fees, skills, reputation, dependability, and compatibility with the Client. The Client may obtain lower commissions and fees from other brokers. CUSTODIANS We maintain relationships with SEI Private Trust Company (“SPTC”) and Commonwealth Financial Network (collectively, the “Custodians”) to provide custody, trading, and related services for Client accounts. SPTC is a federally chartered limited-purpose trust company that serves as qualified Custodian for Client accounts and provides custody and related trading services as part of its custodial platform. Commonwealth is a registered broker-dealer and investment adviser and a member of FINRA and SIPC that provides brokerage and custodial services for accounts maintained on its platform. The Custodians offer a variety of services to independent investment advisers, which may include custody of Client assets, trade execution, clearance and settlement of transactions, account reporting, billing, and technology and operational support. There is no direct link between our participation in the custodial platform and the investment advice we give to our Clients. However, we receive economic benefits through our participation in the platform that is typically not available to retail clients and may not be available to all independent investment advisers participating in the platform. These benefits include the following products and services (provided without cost or at a discount): receipt of duplicate Client statements and confirmations; research-related products and tools; consulting services; access to a trading desk serving Advisor participants; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to Client accounts); the ability to have advisory fees deducted directly from Client accounts; access to an electronic communications network for Client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money Managers; and discounts on compliance, marketing, research, technology, and practice management products or services provided to the Firm by third-party vendors. The Custodians may also have paid for business consulting and professional services received by some of our related persons. Some of the products and services made available by the Custodians through the program may benefit the Firm but may not benefit the Client’s account. These products or services may assist the Firm in managing and administering the Client’s account, including accounts not maintained by the Custodians. Other services made available by our Custodians are intended to help the Firm manage and further develop our business enterprise. The benefits our Firm or our personnel receive through participation in the program do not depend on the amount of brokerage transactions directed to the Custodians. As a fiduciary, we are obligated to put our Clients’ interests ahead of our own, and we take that duty seriously in how we select Custodians and products. The Client should be aware, however, that the receipt of economic benefits by our Firm or our related persons in and of itself creates a potential conflict of interest and may indirectly influence our choice of Custodians for custody and brokerage services. If our Client requests the Firm to recommend a Broker-Dealer Custodian for execution or custodial services, we recommend that the Client account be maintained at SPTC or Commonwealth. We recommend establishing accounts with the Custodians to maintain custody of Client assets and PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 29 OF 36  effect trades for our Client accounts. Our Client is under no obligation to act upon any recommendations. If our Client elects to act upon any recommendations, our Client is not obligated to place the transactions through any broker-dealer that our Firm recommends. Our recommendation is based on the firm’s cost and fees, skills, reputation, dependability, and compatibility with the Client. Our Client may be able to obtain lower commissions and fees from other brokers, and the value of products, research, and services given to the Firm is not a factor in determining the broker-dealer selection or the reasonableness of their commissions. BROKERAGE FOR CLIENT REFERRALS We do not receive Client referrals from any Custodian or third party in exchange for using that broker-dealer or third party. AGGREGATION AND ALLOCATION OF TRANSACTIONS We may aggregate transactions if we believe that aggregation is consistent with the duty to seek the best execution for our Clients and is consistent with the disclosures made to Clients and terms defined in the Client Investment Advisory Agreement. No advisory Client will be favored over any other Client. Each account in an aggregated order will participate in the average share price (per Custodian) for all transactions in that security on a given business day. If we do not receive a complete fill for an aggregated order, we will allocate the order on a pro- rata basis. If we determine that a pro-rata allocation is not appropriate under the circumstances, we will base the allocation on other relevant factors, which may include: When only a small percentage of the order is executed, with respect to purchase allocations, allocations may be given to accounts high in cash; Concerning sale allocations, allocations may be given to accounts low in cash; We may allocate shares to the account with the smallest order, to the smallest position, or to an account that is out of line concerning security or sector weightings relative to other portfolios with similar mandates; We may allocate to one account when that account has limitations in its investment guidelines prohibiting it from purchasing other securities that we expect to produce similar investment results, and other accounts can purchase that in the block; If an account reaches an investment guideline limit and cannot participate in an allocation, we may reallocate shares to other accounts. For example, this may be due to unforeseen changes in an account’s assets after an order is placed; If a pro-rata allocation of a potential execution would result in a de Minimis allocation in one or more accounts, we may exclude the account(s) from the allocation. We will document the reasons for any deviation from a pro-rata allocation. TRADE ERRORS We have implemented procedures to prevent trade errors; however, trade errors in Client accounts cannot always be avoided. Consistent with our fiduciary duty, it is our policy to correct trade errors in the best interest of the Client. In cases where the Client causes a trade error, the Client will be responsible for any loss resulting from the correction. Depending on the specific circumstances of the trade error, the Client may not be able to receive any gains generated due to the error correction. In all situations where the Client does not cause the trade error, the Client will be made whole, and we would absorb any loss resulting from the trade error if our Firm caused PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 30 OF 36  the error. If the Custodian causes the error, the Custodian will be responsible for covering all trade error costs. We will never benefit or profit from trade errors. DIRECTED BROKERAGE We do not routinely recommend, request, or require that the Client direct the Firm to execute transactions through a specified broker-dealer. Additionally, we typically do not permit the Client to direct brokerage. We place trades for the Client’s account subject to our duty to seek the best execution and other fiduciary duties. ITEM 13 - REVIEW OF ACCOUNTS CLIENT REVIEWS Our Firm reviews Client accounts and financial plans periodically. Our IARs will monitor Client accounts regularly and perform annual reviews with each Client. All accounts are reviewed for consistency with Client investment strategy, asset allocation, risk tolerance, and performance. More frequent reviews may be triggered by changes in an account holder’s personal, tax, or financial status. Geopolitical and macroeconomic-specific events may also trigger reviews. Our recommendations depend on the information provided by the Client. Our Client must notify our Firm of any situation that would impair our ability to manage our Client accounts properly. The Client receives a copy of each trade confirmation (unless the Client has authorized the Custodian to suppress the confirmations) and the standard written account statement from the qualified account Custodian every quarter. ITEM 14 - CLIENT REFERRALS & OTHER COMPENSATION BROKERAGE PRACTICES As disclosed under Item 12 Brokerage Practices, we participate in the Custodian’s institutional customer programs, and we may recommend a Custodian to our Clients for custody and brokerage services. There is no direct link between our participation in the program and the investment advice we give to our Clients. However, we receive economic benefits through our participation in the program that is typically not available to any other independent advisors participating in the program. These benefits include the following products and services (provided without cost or at a discount): Receipt of duplicate Client statements and confirmations. Research-related products and tools. Consulting services. Access to a trading desk serving adviser participants. Access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to Client accounts); The ability to have advisory fees deducted directly from Client accounts. Access to an electronic communications network for Client order entry and account information. Access to mutual funds with no transaction fees and certain institutional money Managers. Discounts on compliance, marketing, research, technology, and practice management products or services provided to us by third-party vendors. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 31 OF 36  Custodians may also have paid for business consulting and professional services received by some of our IARs. Some of the products and services made available by Custodians through the program may benefit us but may not benefit your account. These products or services may assist us in managing and administering Client accounts, including accounts not maintained at our recommended Custodian. Other services made available by the Custodian are intended to help us manage and further develop our business enterprise. The benefits our Firm or our IARs receive through participation in the program do not depend on the amount of brokerage transactions directed to the Custodian. Due to these arrangements, our Client does not pay more for assets maintained at SEI or Commonwealth. As part of our fiduciary duties to Clients, we always endeavor to put our Client's interests first. Clients should be aware, however, that receiving economic benefits from our Firm or our IARs in and of itself creates a conflict of interest because the cost of these services would otherwise be borne directly by us. These arrangements could indirectly influence our choice of Custodian for custody and brokerage services. Clients should consider these conflicts of interest when selecting a Custodian. The products and services provided by the Custodian, how they benefit us, and the related conflicts of interest are described above. CLIENT REFERRALS OTHER PROFESSIONALS Our Firm may refer business to estate planning attorneys, accountants, insurance brokers, and other professionals. However, we do not receive monetary or other material compensation for referring Clients to such professionals. We also do not pay any person or firm commissions or other items of material value when referring Clients to us. If we receive or offer an introduction to a Client, we do not pay or earn a referral fee, nor are there established quid pro quo arrangements. Each Client can accept or deny such referral or subsequent services. OTHER COMPENSATION TRANSITION ASSISTANCE In connection with the acquisition of Commonwealth Financial Network by LPL Financial LLC, LPL has offered certain financial incentives, including forgivable loans and other transition assistance, to some financial professionals associated with Commonwealth. As of the date of this brochure, neither our Firm nor its investment adviser representatives have accepted any such incentives. Our Firm and its investment adviser representatives are not registered representatives or investment adviser representatives of LPL, and we do not currently recommend LPL as a broker-dealer or custodian. To the extent any such incentives are accepted by our Firm or its personnel, the receipt or forgiveness of these benefits may be conditioned on maintaining certain asset levels on LPL’s platform for a specified period of time. These benefits are not paid by Clients and are separate from advisory fees. However, they create a potential conflict of interest because they may provide an incentive to consider or recommend particular custodial or brokerage arrangements in the future. Clients are under no obligation to maintain accounts on LPL’s platform and may select any custodian or broker-dealer with whom PWA can reasonably obtain a relationship. ITEM 15 - CUSTODY PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 32 OF 36  Regulators have defined custody as having access or control over Client funds or securities. As it applies to our Firm, we do not have physical custody of funds or securities. FEE DEDUCTION Our Firm is deemed to have constructive custody over those Client accounts where it can deduct our fees directly from the Client account. If we comply with certain regulatory requirements, this constructive custody does not mandate that our Firm undergo a surprise audit for those accounts. Our Clients receive account statements directly from the qualified Custodian at least quarterly. Our Firm may send Clients quarterly reports that our Firm produces using our portfolio accounting system. We strongly urge our Clients to compare such reports with the statements received from the qualified Custodian. Furthermore, when our Firm calculates our investment management fees and instructs the Custodian to remit these fees to us directly from Clients’ accounts, the Custodian does not verify our calculation of fees. Our Firm performs quarterly testing to ensure that our fees are charged per the Client’s Investment Advisory Agreement on file with our Firm. STANDING LETTERS OF AUTHORIZATION (“SLOA”) Additionally, our Firm is deemed to have custody of the Client’s funds or securities when you have standing authorizations with their Custodian to move money from your account to a third-party Standing Letter of Authorization (“SLOA”) and, under that SLOA, it authorizes us to designate the amount or timing of transfers with the Custodian. The SEC has set forth standards to protect your assets in such situations, which we follow. We do not have a beneficial interest in any of the accounts we are deemed to have Custody of where SLOAs are on file. In addition, account statements reflecting all activity on the account(s) are delivered directly from the qualified Custodian to each Client or the Client’s independent representative at least monthly. You should carefully review those statements and are urged to compare the statements against reports received from us. When you have questions about your account statements, contact us, your Advisor, or the qualified Custodian preparing the statement. ITEM 16 - INVESTMENT DISCRETION DISCRETIONARY AUTHORITY Upon receiving written authorization from the Client, our Firm provides discretionary investment advisory services for Client accounts. For discretionary accounts, before engaging our Firm to provide investment advisory services, you will enter into a written Investment Advisory Agreement with us granting our Firm the authority to supervise and direct, on an ongoing basis, investments per the Client's investment objective and guidelines. In addition, our Client will need to execute additional documents required by the Custodian to authorize and enable our Firm, in its sole discretion, without prior consultation with or ratification by our Client, to purchase, sell or exchange securities in and for your accounts. We are authorized, at our discretion and without prior consultation with the Client, to (1) buy, sell, exchange, and trade any stocks, bonds, or other securities or assets and (2) determine the amount of securities to be bought or sold and (3) place orders with the Custodian. Any limitations to such discretionary authority will be communicated to our Firm in writing by you, the Client. The limitations on investment and brokerage discretion held by our Firm are: PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 33 OF 36  For discretionary accounts, we require that we be given the authority to determine which securities and the amounts to be bought or sold. Any limitations on this discretionary authority shall be in writing as indicated in the Investment Advisory Agreement. Clients may change or amend these limitations as required. NON-DISCRETIONARY AUTHORITY In some instances, we may not have discretionary authority. For non-discretionary accounts, our Firm will discuss all transactions with our Client before execution, or the Client will be required to make the trades in an employer-sponsored account. ITEM 17 - VOTING CLIENT SECURITIES PROXY VOTING Our Firm cannot vote for Client securities. Clients will receive proxies or other solicitations directly from the Custodian or a transfer agent. Clients are responsible for obtaining and voting proxies for all securities maintained in their portfolios. We may provide advice to you regarding your voting of proxies. Clients can contact our Firm with any questions or concerns about a particular solicitation. For accounts held with an SMA or ITPM and depending on their voting policies and procedures, the SMA or ITPM could require the Client to appoint them as agent and attorney-in-fact with discretion to vote proxies on the Client’s behalf. Clients should review the SMA or ITPMs disclosure brochure to understand their proxy voting policies and procedures. CLASS ACTION LAWSUITS Our Firm does not advise or instruct Clients on whether to participate as a member of class action lawsuits and will not automatically file claims on the Client’s behalf. However, if a Client notifies us that they wish to participate in a class action, we will provide the Client with transaction information about the Client’s account that is required to file a proof of claim in a class action. ITEM 18 - FINANCIAL INFORMATION FINANCIAL CONDITION Our Firm has no financial commitment that impairs its ability to meet Client contractual and fiduciary obligations and has not been the subject of a bankruptcy proceeding. We do not require or solicit prepayment of more than $1,200 in fees per Client six months or more in advance. Therefore, we are not required to include a balance sheet for the most recent fiscal year. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 34 OF 36  ADDITIONAL INFORMATION PRIVACY POLICY Our Firm collects non-public personal information about Clients from information received on applications or other forms and information about Client transactions with firm affiliates, others, or our Firm. We do not disclose any nonpublic personal information about current or former Clients except as permitted by law or to provide services. Firm employees have limited access to Clients' data based on their responsibilities to provide products or services to Clients. Our Firm maintains physical, electronic, and procedural safeguards in compliance with federal standards to protect Client information. If the IAR servicing a Client account leaves our Firm to join another firm, the IAR is permitted to retain copies of specific Client information so that the IAR can assist with transferring the Client account and continue to serve the Client at their new firm. A copy of our Firm's Privacy Policy is given to each Client at account opening, upon request, and provided annually. OPTING OUT If a Client does not want an IAR to retain copies of the Client's non-public personal information when the IAR leaves our Firm to join another firm, the Client can contact our Compliance Department by calling 859-957-2737. BUSINESS CONTINUITY PLAN Our Firm has developed a Business Continuity Plan to address how our Firm will respond to events that significantly disrupt the operation of our business. Since the timing and impact of disasters and disruptions are unpredictable, our Firm will be flexible in responding to current events as they occur. Within 24 hours after a significant business disruption, our Firm plans to quickly recover and resume business operations and respond by safeguarding employees and property, making a financial and operational assessment, protecting our Firm’s books and records, and allowing Clients to transact business. Given the scope and severity of the significant business disruption, our business continuity plan is designed to permit our Firm to resume operations as quickly as possible. Our Firm’s business continuity plan addresses: data back-up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank, and counter-party impact; regulatory reporting; and assuring Clients’ prompt access to their funds and securities if our Firm is unable to continue as a business. Our Firm backs up essential records in a geographically separate area. At the same time, every emergency poses unique problems based on external factors, such as the time of day and the severity of the disruption. Its objective is to restore operations and be able to complete existing transactions and accept new transactions and payments within four hours of the disruptive event. Client orders and requests for funds and securities could be delayed during this period. PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 35 OF 36  CONTACTING METHODS If a Client cannot contact our Firm via 859-957-2737 after a significant business disruption, please visit the website at principledwealth.net to review updated contact information. VARYING DISRUPTIONS Significant business disruptions can vary in scope, such as disruption that affects only our Firm, a single building housing our Firm, the business district where our Firm is located, the city where our Firm is located, or the whole region. Within each area, the disruption's severity can also vary from minimal to severe. In a disruption to only our Firm or a building housing our Firm, our Firm will transfer operations to a local site when needed and expect to recover and resume business within 24 hours. instructions on contacting our Firm through In a disruption affecting our Firm’s business district, city, or region, our Firm will transfer operations to a site outside the affected area and recover and resume business within three (3) days. In either situation, our Firm plans to continue the business, transfer operations to its clearing firm if necessary, and provide Clients with its website: principledwealth.net. If the significant business disruption is so severe that it prevents our Firm from remaining in business, our Firm will ensure the Client’s prompt access to their funds and securities. This information is provided solely to Clients of our Firm, and no further distribution or disclosure is permitted without the prior written consent of our Firm. No person other than our Firm Clients can rely on any statement herein. Our Firm’s Business Continuity Plan is reviewed and updated regularly and is subject to change. CONTACTING US Please visit the website at principledwealth.net for the most current copy of this disclosure. You can request an updated copy by contacting our Firm at (859) 957-2737 or writing our Firm at the following: Principled Wealth Advisors, LLC 100 East RiverCenter Blvd., Suite 810 Covington, KY 41011 PRINCIPLED WEALTH ADVISORS, LLC APRIL 2026 | PAGE 36 OF 36