WHITE LIGHTHOUSE INVESTMENT MANAGEMENT, INC.

Part 2A of Form ADV: Firm Brochure FORM ADV PART 2 UNIFORM APPLICATION FOR INVESTMENT ADVISOR REGISTRATION FOR WHITE LIGHTHOUSE INVESTMENT MANAGEMENT INC. (Previously known as White Lighthouse Investment Management and JJK Investment Management) 5 Dutton Lane Bedford, MA 01730 Contact: Jonathan Lachowitz – Owner – 508-471-4431 This Firm brochure provides information about the qualifications and business practices of White Lighthouse Investment Management Inc. If you have any questions about the contents of this Firm Brochure, please contact us at the above phone number. The information in this Firm Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about White Lighthouse Investment Management Inc. is available on both our firm’s website at white-lighthouse.com and at the United States Securities and Exchange Commission’s (SEC) website at https://www.adviserinfo.sec.gov/. By the fact that White Lighthouse Investment Management Inc. is a Registered Investment Advisor does not in itself imply a certain level of skill or training. Any material changes which have occurred since the last update in 2024 are reflected in this Firm brochure. 1  Table of Contents Page 3. Advisory Business (Assets under Management) Page 4. Fees and Compensation Page 6. Performance Based Fees and Side-By-Side Management Page 6. Types of Clients Page 7. Methods of Analysis, Investment Strategies and Risk of Loss Page 8. Disciplinary Information Page 8. Other Financial Industry Activities and Affiliations Page 9. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Page 9. Brokerage Practices Page 10. Review of Accounts Page 11. Client Referrals and Other Compensation Page 11. Custody Page 12. Investment Discretion Page 12. Voting Client Securities Page 13. Financial Information Page 13. Requirements for State-Registered Advisors 2  Advisory Business Assets Under Management White Lighthouse Investment Management Inc. was founded by Jonathan Lachowitz to provide investment management and financial services to Americans and multinational families living in the United States and abroad. As of December 31, 2024, the firm had approximately $671,314,000 of discretionary assets under management and approximately $18,002,000 of non- discretionary assets for a total of approximately $689,316,000 under management calculated according to the method prescribed by the SEC. Investment Management Services For investment management clients, the firm conducts a discovery process to understand each client’s income and net worth, their goals, risk tolerance and other factors that inform the investment policy that guides the design and management of their portfolio. We create diversified portfolios with a custom designed asset allocation largely composed of low-to-moderate cost, high quality, liquid investments, which are primarily in the form of Exchange Traded Funds from companies like Vanguard, BlackRock (iShares), and others though we may use or retain individual securities and mutual funds. Financial Planning and Comprehensive Wealth Management Services We provide financial planning services in the areas of tax, retirement, and estate planning, with a focus on US cross-border issues, either on a project-basis for clients whom we do not manage assets, or on an ongoing basis for investment management clients and wealth management clients. Examples of specialized financial planning include outbound and inbound US planning due to international relocations; business planning for professionals and owners with operations in multiple countries; rental real estate planning inside and outside of the USA; expatriation (surrendering US citizenship or green cards) and naturalization planning; estate and tax planning for beneficiaries of foreign trusts or complex structures and tax compliance review, including IRS international compliance programs. 3  Retirement Account Rollovers When assessing a client’s retirement accounts, we may recommend that a client rollover their retirement plan assets to an Individual Retirement Account (IRA) that the client can choose to be managed by us. As a result of this rollover, we may earn fees on the future management of these accounts. This means that our advice may present a conflict of interest, as we may have a financial incentive to recommend that a client roll over retirement assets into an IRA we would manage. This potential conflict is disclosed to clients verbally and in this brochure. Clients are also advised that they are under no obligation to implement the recommendations to rollover retirement plan assets or to continue with our management, which is always billed in arrears, not in advance. We attempt to mitigate this potential conflict by requiring that all investment recommendations have a sound basis, and by requiring advisors to acknowledge their fiduciary responsibility towards each client. When we provide investment advice to clients regarding their retirement plan accounts or individual retirement accounts, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Securities Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we earn money may create some conflicts with our clients' interests, so we operate under a special rule that requires us to act in their best interests and not put our own interests ahead of our clients. Under this special rule’s provisions, we must: meet a professional standard of care when making investment recommendations (give prudent advice); never put our financial interests ahead of our clients’ interests when making recommendations (give loyal advice); avoid misleading statements about conflicts of interest, fees and investments; follow policies and procedures designed to ensure that we give advice that is in our clients’ best interests; charge no more than is reasonable for our services; and give basic information about conflicts of interest. Fees and Compensation We offer two different service levels for financial planning and investment management: Professional Level Clients pay both an Annual Fixed Fee and a variable Assets Under Management (AUM) Fee quarterly in arrears. The Annual Fixed Fee is $10,000 annually. It covers standard financial 4  planning such as tax and retirement planning, estate planning, and insurance needs analysis for the client’s independent implementation. This service level is a good fit for clients with smaller investment accounts and for those with less complex situations. Investment management for up to $1,000,000 in AUM is included in the Annual Fixed Fee. Additional AUM Fees apply on top of the Annual Fixed Fee for assets under management over $1,000,000 as per the table below: Between Assets under Management % Fee 1.00% $1,000,000 to $2,000,000 Between $2,000,001 to $5,000,000 0.60% Between Between $5,000,001 to $10,000,000 $10,000,001 and above 0.55% 0.50% Clients are further required to pay trading fees to brokers/custodians (typically ranging from $0 to $30.00 per equity trade) and trading fees to mutual funds (which may vary). Most mutual funds and exchange traded funds have their own management expense fees, typically ranging from .03% to .50% or more per year, although, exceptionally, some may be higher. White Lighthouse is a fee-only firm and we only receive compensation from clients. We do not receive any fees, commissions, or payments from any brokers, funds, or other third parties. At the discretion of the Investment advisor and based on experience and client discovery, the Professional Level may not be appropriate for certain clients who have greater requirements better served under the Concierge Level. Concierge Level Clients pay an Annual Fixed Fee quarterly in arrears. The minimum annual fee starts at $40,000 and is based on the complexity of assets under management and assets under advisory. Depending on the amount of assets under management, an AUM Fee may apply. The Annual Fixed Fee covers all of the services provided under the Professional Level without hourly limitation, as well as additional advice for adult children. Fees are generally deducted quarterly in arrears, directly from client accounts. At the discretion of the firm, we may agree to bill for these services separately, in which case, an agreed upon administrative fee may apply. 5  Working with specific advisors may require higher minimum fees at each service level. Under certain circumstances and at the discretion of the individual advisor, fixed fee financial planning projects, investment management limited mandates, or special discounts to standard fees may be offered. For clients at the Professional Level, services beyond the scope of engagement may be provided by a mutual client-advisor agreement at a rate of between $450/hour to $1,000/hour depending on the advisor and complexity of the work. As an additional safeguard to our clients, we send all invoiced amounts to the custodian who reviews the amounts before they are posted to the client accounts. We send a copy of the invoice amount charged to each client as part of their quarterly report. The custodian also provides monthly reports and online real-time access to account activity. The client may call the custodian at any time to terminate our ability to trade, view, or deduct fees from their account(s). Clients must authorize the custodian to allow White Lighthouse Investment Management Inc. to deduct their management fees. Please note, as mentioned above, that brokerage transactions may include fees other than those charged directly by White Lighthouse Investment Management Inc. Performance Based Fees and Side-by-Side Management We have never charged any performance-based fees. Side-by-side management is when some accounts are charged by assets under management, and some are charged by performance. Since we do not charge by performance, we do not tend to favor charging one type of account over another. Types of Clients Our clients include individuals, families, and in some cases, their adult children. We also work with small corporations, trusts, and retirement plans such as SEP IRAs or Solo 401ks of individual clients or their corporations. Most of our clients are families and individuals including small business owners. 6  We do not have account minimums, but we have a minimum annual fee. See page 4 (Fees and Compensation) for more details. At our discretion or for historical reasons, we may charge clients less than our stated minimum or provide pro-bono services. Methods of Analysis, Investment Strategies and Risk of Loss We manage each client’s portfolio based on their individual circumstances. This generally includes our analysis and understanding of their risk profile (risk tolerance, capacity and need), their age, the cash and income needs from the portfolio, their time horizon and several other factors that pertain specifically to each client. Asset allocation over several investment classes is done in order to build a diversified portfolio. Based on macro-economic factors and our own analysis, we may decide to include or exclude specific investment classes or under- or over-weigh specific sectors. All investments and investment strategies contain risk of loss. Based on our understanding of our clients’ risk profiles, goals, and income needs, we endeavor to create well-diversified portfolios using primarily index ETFs (that hold the underlying securities), mutual funds, and other individual securities that are cost efficient and are highly liquid. Historically, globally well- diversified portfolios which apply the concepts of modern portfolio theory have produced lower volatility returns for a given level of risk. Where possible, we manage client portfolios for tax efficiency, taking into consideration their worldwide tax exposure to identify and avoid double taxation risks, and to take advantage of tax minimization opportunities, though asset allocation is seen to be more important than tax efficiency. We manage accounts with a long-term investment horizon, which can have short-term volatility that at times can be extreme. We request that clients let us know as soon as possible of any changes in their circumstances that would require funding for short-term needs or may require us to rebalance their portfolio so we can plan accordingly. Other risks that client portfolios are subject to are inflation, regulatory changes, systemic risk, currency exchange fluctuations, interest rates exposure, and the overall macro-economic environment in the United States and globally. It should be noted that investing in securities involves the potential loss of invested capital and clients should be prepared to bear this loss. We 7  try to tailor the account based on a client’s risk profile and cash flow needs in order to keep losses in line with risk tolerance. Disciplinary Information There have been no disciplinary events against White Lighthouse Investment Management Inc. or any of its current or former advisory personnel. Other Financial Industry Activities and Affiliations In addition to White Lighthouse Investment Management Inc., Jonathan also owns and works in the related firm White Lighthouse Investment Management SARL, which is registered with the SEC and licensed with FINMA in Switzerland. White Lighthouse Investment Management Inc. has a representative office in Lausanne Switzerland and is registered with FINMA. Jonathan Lachowitz is currently a member in good standing of the Swiss Financial Planning Organization (SFPO) and formerly served as a member of the board (2011-2016). SFPO is authorized by the Financial Planning Standards Board (FPSB) in Washington, DC to grant the CFP(R) marks in Switzerland. In 2014, Jonathan Lachowitz joined the Advisory Board of OnShore Wealth S.A., a Swiss registered Independent Asset Management firm. In January 2019, OnShore Wealth S.A. was renamed OnSa Advisors SA. Jonathan receives no compensation for this role and has no expectation of client referrals. From 2014 – 2016 Jonathan wrote numerous personal financial articles for The Wall Street Journal and in 2019 and 2020 he wrote for Bloomberg, both on an unpaid basis. Jonathan occasionally taught courses at IMD Business School in Lausanne and at ESCP, a French Business School with several campuses in Europe. The material he presented was generally of a financial planning nature. 8  Code of Ethics, Participation or Interest in Client Transactions and Personal Trading WLIM has never participated in or had an interest in trades to or from a client account or between existing client accounts. Trades are made on the open markets. While we do personal trading, our portfolios consist primarily of mutual funds, ETF’s, and large capitalization stocks (e.g. Johnson & Johnson, Microsoft, etc.). Our personal trades, other than mutual funds, are documented and reviewed periodically. We may buy or sell the same securities as those owned by our clients. These are generally widely held stocks, mutual funds, or ETFs, and based on the relative size of the trades in both our client and our personal accounts, we don’t believe we can have any influence over pricing and the markets. Investing in the same securities as clients’ accounts may be a potential conflict of interest but since we almost exclusively invest in high capitalization securities, mutual funds, or ETFs in the public markets, any potential conflict is minimal at best. White Lighthouse Investment Management Inc. has its own written code of ethics which includes the complete CFP® Board’s Code of Ethics and Standards of Conduct. A copy is available upon request by any client or prospective client. We have structured our business to minimize conflicts of interest. We receive no commission or referral fees from other professionals or institutions, and we provide services under the fiduciary standard, meaning that we provide advice that is in the best interest of the client. If a conflict of interest arises, we disclose it to our clients. Brokerage Practices We will consider any broker and could potentially work with any broker that clients are already working with or may wish to work with. We recommend brokers based on their technical ability to deliver information about accounts and investments, their ability to work with our clients in their country of residence, and their reporting capabilities. 9  We also consider the research available to both our firm and our clients. We recommend our clients to open accounts at Charles Schwab and Co Inc. (Schwab), Pershing (through Papamarkou), Fiduciary Trust or Interactive Brokers. The majority of our clients have their assets in custody with Charles Schwab & Co, Inc. A few of our clients have accounts at other brokerage houses of their choosing. We do not receive any products or services from Schwab, Pershing or any other brokerage firm that would not fall under the safe harbor rules. Brokers do provide some minimal research we can access, such as performance statistics on mutual funds. The convenience and service provided by Schwab, both for us and for our clients, have induced us to do much of our business there. While there are some companies that may offer lower fees, that trade off in service does not warrant a change in our opinion. We receive some free information from Schwab and other brokers, and we use very little of this data on a day-to-day basis. Such information does not impact our recommending Schwab or other brokerage firms as the brokerage services. It is possible that directing clients to Schwab or another brokerage firm may cost our clients more than some other services that are available elsewhere, but after in depth examination, their services, convenience, and technology platform are worth the extra cost to our clients. Review of Accounts All client accounts are reviewed by an investment manager on a periodic (at least quarterly) basis with particular attention to market conditions or significant changes in a client profile, cash deposits or withdrawals. Client reports are available to each client through the client’s secure portal on a quarterly basis and include account holdings, performance reports, and a billing statement. Each report consists of an account summary showing beginning and end values and interest and dividends received, and a performance review showing the relationship-to-date: 5-year, 3-year, 1-year, and quarter performance with Return on Investment information. 10  Portfolio statements are displayed in graph format and contain the classes of assets held, followed by a specific breakdown of securities held, including cost basis and current market value. A report showing the management fees broken down by the client’s individual accounts and a total is included, followed by a comprehensive performance report for each security held in the client accounts. Client Referrals and Other Compensation We gladly accept client referrals from existing clients and other professionals, though at our discretion, we may choose not to work with these prospective clients. We pay for referrals on a limited basis to OnSa Advisor S.A. (formally known as OnShore Wealth Management) in Lausanne, Switzerland and Rubin and Rudman LLP in Boston, Ma. These are generally for high-net-worth clients with complex situations where White Lighthouse Investment Management Inc. serves as the Investment Manager for US-based investments. This currently applies to less than 10 clients. We do not get compensated by any institution or individual for any client’s referrals we may make to them. Custody We use independent custodians and have limited custody of client assets to the extent that they allow us to debit our investment management fees from their accounts. Clients receive statements from us on a quarterly basis and from Schwab or the other brokerage firms either monthly or quarterly. It is recommended that clients review and compare these reports and notify us of any discrepancies. Clients can independently access their accounts, statements, and transactions any time online at the custodian’s website. For their convenience, clients can give us limited authority to transfer assets between their own accounts. This authority is granted exclusively at the custodian Charles Schwab and Company and follows the 7 requirements of the SEC’s custody rule to not require an annual surprise audit. 11  Investment Discretion The firm has investment discretion for almost all the accounts that we manage, with a limited power of attorney to buy and sell on the clients’ behalf, in accounts titled in the name of the clients or for their benefit. Investment management fees are a percentage of assets under management and/or a fixed quarterly fee [often with a minimum quarterly/annual fee] and can include ancillary financial planning advice generally related to the financial and investment goals of the client and their families. Occasionally, we may give investment management advice to clients for accounts that are not managed by us. This advice is generally in the context of comprehensive wealth management and may include investment selection in client retirement accounts not able to be managed by us, or more general investment allocation recommendations. Generally, no individual securities are recommended outside of the client’s retirement accounts, where we do not have discretionary management over the client’s investments. Analysis consists of investment/asset allocation across several different investment classes based on the client’s risk tolerance, which is formulated based on client interviews, goals and objectives, and a risk profiling questionnaire. Decision makers in investment allocation at White Lighthouse Investment Management Inc must have a CFP® qualification or comparable experience and licensing to make investment trades for clients. Voting Client Securities Most clients choose to give us authority to vote proxies for their convenience. Others choose to retain the responsibility to vote proxies on the securities they own in their accounts. When clients delegate proxy voting to us, most of the time we vote with the management of the individual companies and funds. Clients can request copies of written proxies or can ask us how we voted on those that are submitted electronically. Clients may direct us to vote in a specific manner at their discretion. Since our personal equity holdings are in large capitalization stocks, we perceive no conflict of 12  interests in our voting versus our clients’ instructions. In the ShareFile system under the Public folder, clients can see how proxies were voted. Clients can also call or email us if they choose to vote themselves. White Lighthouse Investment Management Inc. has a proxy policy which is available electronically to all clients. Financial Information Since we do not have the ability to withdraw client assets (other than our fees, which we collect in arrears or on a non-refundable basis), our financial situation would not have any impact on our clients’ contractual obligations. While we do have discretionary authority over our clients’ accounts, there are no incidences in which our financial condition would impact their trading activities. Therefore, it is not necessary for us to report on any of our financial information. We may require pre-payments for some financial planning services, which are not refundable. Requirements for State-Registered Advisors White Lighthouse Investment Management Inc. is registered with the SEC and makes notice filings in the states of California, Connecticut, Texas, Florida, New York, North Carolina, and Massachusetts. It is not required to register with any state securities authority. For the latest up-to-date information, please see our filing on the SEC’s website as occasionally this information changes with the SEC before the ADV 2A is updated. 13 

Part 2B of Form ADV: Brochure Supplement White Lighthouse Investment Management Inc. – Head Office (previously known as White Lighthouse Investment Management and JJK Investment Management) 5 Dutton Lane Bedford, MA 01730 (508) 471-4431 Eva Howland 12621 Halfmoon Lake Terr Bradenton, FL 34211 Phone: (786) 564-9454 This brochure supplement provides specific information about Eva Howland which supplements the White Lighthouse Investment Management Inc. ADV brochure. You should have received a copy of that brochure. Please contact Eva Howland at +1 786-564-9454 if you did not receive White Lighthouse Investment Management Inc.’s ADV brochure or if you have any questions about the contents of this supplement. Additional information about Eva Howland and White Lighthouse Investment Management is available on the US Securities and Exchange Commission’s (SEC) website at www.adviserinfo.sec.gov 5 Dutton Lane | Bedford, MA 01730 | United States Phone: +1 508 471 4431 | info@white-lighthouse.com | white-lighthouse.com  Educational Background and Business Experience Eva Howland – Born 1981 Education: BA – Fashion Merchandising Miami International University of Art & Design - 2006 MBA – Master of Business Administration University of South Florida - 2016 Accredited Asset Management Specialist The College of Financial Planning - 2019 Certificate in Financial Planning Boston University - 2023 Business Experience: Senior Financial Planner - White Lighthouse Investment Management, Inc. 2025 – present Wealth Manager – Moseley Investment Management 2021 – 2024 Financial Advisor — Edward Jones 2017 – 2020 Associate Buyer – Beals Department Stores 2011-2017 Merchandise Assistant – HSN, Inc. 2009-2011 Sales and Management – The Neiman Marcus Group 2002-2009 5 Dutton Lane | Bedford, MA 01730 | United States Phone: +1 508 471 4431 | info@white-lighthouse.com | white-lighthouse.com  Eva Howland is a Certified Financial Planner™ professional. The Certified Financial Planner™, CFP®, and federally registered CFP with flame design (collectively, the “CFP® marks”) are professional certification marks granted in the United States by the Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification: no federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.CFP.net. It is recognized in the United States and other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. CFP® Professionals are held to a fiduciary standard which requires them to act in their clients’ best interests. Currently, more than 100,000 individuals have obtained CFP® certification in the United States. CFP® professionals have met the CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfil the following requirements: Education – Complete college or university-level coursework through a CFP Board Registered Program and become well-versed in these major financial planning areas: Professional Conduct and Regulation, General Principles of Financial Planning, Risk Management and Insurance Planning, Investment Planning, Tax Planning, Retirement Savings and Income Planning, Estate Planning, Psychology of Financial Planning and Financial Plan Development. Examination – Pass the comprehensive CFP® Certification Examination. The CFP® exam is a 170-question, multiple-choice test addressing areas included in the Principal Knowledge Topics listed above. The test consists of two 3-hour sections which include stand-alone questions, short scenario questions and case studies designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances. Experience – Complete at least 6,000 hours of financial planning-related experience. Ethics – Commit to the CFP Board to act as a fiduciary, submit to a detailed background check, and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct which include an expanded scope of the fiduciary duty standard for CFP® professionals. 5 Dutton Lane | Bedford, MA 01730 | United States Phone: +1 508 471 4431 | info@white-lighthouse.com | white-lighthouse.com  Individuals who become certified must complete the following continuing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: Continuing Education – Complete 30 hours of continuing education each reporting period, including 2 hours on the Code of Ethics and 28 hours on one or more of the CFP Board’s Principal Knowledge Topics. Ethics – Complete a pre-approved 2-hour CFP Board Ethics program that is specific to CFP® Certification. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Disciplinary Information There have been no disciplinary events against Eva Howland. Other Business Activities Eva Howland does not engage in any other business activities outside of White Lighthouse Investment Management, Inc. Additional Compensation No additional compensation is received. Compensation is only received directly from clients. Supervision As an employee of White Lighthouse Investment Management Inc., Eva is responsible for serving clients and abides by the firm’s Code of Conduct, which mirrors the CFP Board’s Code of Ethics and Standards of Conduct. She is monitored by the Chief Compliance Officer (CCO), Kathleen Quintero, and supervised by the firm’s owner, Jonathan Lachowitz. Requirements for State-Registered Advisors Eva Howland has never been found liable in any arbitration claim alleging damages in excess of $2500 (or any amount) involving: investments, investment-related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, or dishonest, unfair or unethical practices, or for any other matter. 5 Dutton Lane | Bedford, MA 01730 | United States Phone: +1 508 471 4431 | info@white-lighthouse.com | white-lighthouse.com  Eva Howland has never been found liable in any civil, self-regulatory organization, or administrative proceeding involving investments, investment related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, or dishonest, unfair or unethical practices, or for any other matter. Eva Howland has never been the subject of a bankruptcy petition. 5 Dutton Lane | Bedford, MA 01730 | United States Phone: +1 508 471 4431 | info@white-lighthouse.com | white-lighthouse.com 

Part 2B of Form ADV: Brochure Supplement White Lighthouse Investment Management Inc. – Head Office (Previously known as White Lighthouse Investment Management and JJK Investment Management) 5 Dutton Lane Bedford, MA 01730 (508) 471-4431 John D. Wanvig Chemin du Clos de Leyterand 10 1806, St Legier Switzerland Phone: +41 79 952 5182 This brochure supplement provides information about John Wanvig that supplements the White Lighthouse Investment Management Inc. ADV brochure. You should have received a copy of that brochure. Please contact John Wanvig at +41 79 952 5182 if you did not receive the White Lighthouse Investment Management Inc. ADV brochure or if you have any questions about the contents of this supplement. Additional information about John Wanvig and White Lighthouse Investment Management is available on the US Securities and Exchange Commission’s (SEC) website at www.adviserinfo.sec.gov. 1  Educational Background and Business Experience John Wanvig – Born 1961 Education: Bachelor of Arts, Economics Cornell University – 1984 Master of Business Administration Harvard Business School – 1988 Certificate in Financial Planning Kaplan University – 2016 Business Experience: Financial Planner – White Lighthouse Investment Management in Lausanne, Switzerland 2016 – Present Vice President, Regional Director – General Mills Inc. (Cereal Partners Worldwide “CPW”) in Lausanne, Switzerland 1988 – 2015 Analyst – Prudential-Bache Securities in New York, NY 1984 – 1986 John Wanvig is a Certified Financial Planner with White Lighthouse Investment Management Inc. The Certified Financial Planner ™, CFP®, and federally registered CFP with flame design (collectively, the “CFP® marks”) are professional certification marks granted in the United States by the Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. CFP® Professionals are held to a fiduciary standard which requires them to act in their clients’ best interests. Currently, more than 100,000 individuals have obtained CFP® certification in the United States. 2  To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: Education – Complete college or university-level coursework through a CFP Board Registered Program and become well-versed in these Principal Knowledge Topics: Professional Conduct and Regulation, General Principles of Financial Planning, Risk Management and Insurance Planning, Investment Planning, Tax Planning, Retirement Savings and Income Planning, Estate Planning, Psychology of Financial Planning, Financial Plan Development. Examination – Pass the comprehensive CFP® Certification Examination. The CFP® exam is a 170-question, multiple-choice test addressing areas included in the Principal Knowledge Topics listed above. The test consists of two 3-hour sections which include stand-alone questions, short scenario questions and case studies designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances. Experience – Complete at least 6,000 hours of financial planning-related experience. Ethics – Commit to the CFP Board to act as a fiduciary, submit to a detailed background check, and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct, which include an expanded scope of the fiduciary duty standard for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: Continuing Education – Complete 30 hours of continuing education hours every two years, including 2 hours on the Code of Ethics and 28 hours on one or more of the CFP Board’s Principal Knowledge Topic. Ethics – Complete a pre-approved 2-hour CFP Board Ethics program that is specific to CFP® Certification. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Disciplinary Information There have been no disciplinary events against John Wanvig. 3  Other Business Activities John has advised start-up companies over the last several years including Secret Stop, Stem Coffee and several others in the ecosystem of EPFL University: Future Instruments, Qloud Lab, and Morphodyne. John may work with other start-ups in the future. John is also an advisor/mentor in the PROCAT ecosystem of Professional Catalans in Switzerland. He has advised several entrepreneurs since 2019 and plans to continue, as a mentor, to help them grow their business ideas. He may be involved with others in the future. John also works part-time at White Lighthouse Investment Management SARL, with an office in Lausanne, Switzerland. He is a Certified Financial Planner, Compliance Associate, and Director for the company. He works closely with the firm’s Owner and Managing Director, Jonathan Lachowitz, to provide support in discretionary investment management for White Lighthouse Investment Management SARL clients and to assist with all Swiss regulatory and legal requirements. Additional Compensation No additional compensation is received. Compensation is only received directly from clients. Supervision As an employee of White Lighthouse Investment Management Inc., John is responsible for serving his clients and abides by the firm’s Code of Ethics, which mirrors the CFP Board’s Code of Ethics and Standards of Conduct. He is monitored by the Chief Compliance Officer (CCO), Kathleen Quintero, and supervised by the firm’s owner, Jonathan Lachowitz. Requirements for State-Registered Advisors John Wanvig has never been found liable in any arbitration claim alleging damages in excess of $2500 (or any amount) involving: investments, investment-related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, or dishonest, unfair, or unethical practices or for any other matter. John Wanvig has never been found liable in any civil, self-regulatory organization of administrative proceedings involving investments, investment-related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, or dishonest, unfair, or unethical practices, or any other matter. John Wanvig has never been the subject of a bankruptcy petition. 4 

Part 2B of Form ADV: Brochure Supplement White Lighthouse Investment Management Inc. – Head Office (Previously known as White Lighthouse Investment Management and JJK Investment Management) 5 Dutton Lane Bedford, MA 01730 (508) 471-4431 John York Ukenastrasse 23a Aurich 26603, Germany Phone: +1 (617) 701-7337 This brochure supplement provides information about John York that supplements the White Lighthouse Investment Management Inc. ADV brochure. You should have received a copy of that brochure. Please contact John York at +1 617-701-7337 if you did not receive the White Lighthouse Investment Management Inc. ADV brochure or if you have any questions about the contents of this supplement. Additional information about John York and White Lighthouse Management is available on the US Security and Exchange Commission’s (SEC) website at www.adviserinfo.sec.gov. 1  Educational Background and Business Experience John York – Born 1990 Education: Bachelor of Science, Accounting University of Oregon - 2012 Master of Science, Financial Analysis Portland State University - 2013 Certified Public Accountant (Licensee #14291) State of Oregon - 2015 Certificate in Financial Planning Bryant University/Boston Institute of Finance - 2021 Business Experience: Financial Planner - White Lighthouse Investment Management in Bedford, MA June 2021 - Present Senior Tax Operations Team Lead - Software Spinner GmbH in Vienna, Austria October 2020 - May 2021 US Tax Expert - Taxfix GmbH in Berlin, Germany March 2020 - August 2020 Senior Accountant - Friedman LLP in New York, NY August 2016 - January 2018 & January 2019 - October 2019 Junior Developer, Quality Assurance - Chronograph in Brooklyn, NY August 2018 -December 2018 Staff/Senior Accountant - Geffen Mesher & Co in Portland, OR June 2012 - July 2016 2  John York is a Certified Financial Planner and member of the Financial Planning Association. The Certified Financial Planner™, CFP®, and federally registered CFP with flame design (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. You may find more information about the CFP® certification at www.CFP.net. It is recognized in the United States and other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. CFP® Professionals are held to a fiduciary standard which requires them to act in their clients’ best interests. Currently, more than 100,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: Education – Complete college or university-level coursework through a CFP Board Registered Program and become well-versed in these major financial planning areas: Professional Conduct and Regulation, General Principles of Financial Planning, Risk Management and Insurance Planning, Investment Planning, Tax Planning, Retirement Savings and Income Planning, Estate Planning, Psychology of Financial Planning and Financial Plan Development. Examination – Pass the comprehensive CFP® Certification Examination. The CFP® exam is a 170-question, multiple-choice test addressing areas included in the Principal Knowledge Topics listed above. The test consists of two 3-hour sections which include stand-alone questions, short scenario questions and case studies designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances. Experience – Complete at least 6,000 hours of financial planning-related experience. Ethics – Commit to the CFP Board to act as a fiduciary, submit to a detailed background check, and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct which include an expanded scope of the fiduciary duty standard for CFP® professionals. Individuals who become certified must complete the following continuing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: 3  Continuing Education – Complete 30 hours of continuing education each reporting period, including 2 hours on the Code of Ethics and 28 hours on one or more of the CFP Board’s Principal Knowledge Topics. Ethics – Complete a pre-approved 2-hour CFP Board Ethics program that is specific to CFP® Certification. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Disciplinary Information There have been no disciplinary events against John York. Other Business Activities John has been a member of the American Citizens Abroad's (ACA's) Executive Committee since April 2023 and acting Financial Director since January 2024. ACA is a qualified 501(c)(4) non- profit membership organization whose mission is to educate, advocate, and inform both the US government and US citizens living and working overseas on issues of concern to the overseas US citizen community. John's role has consisted of attending monthly meetings, presenting to the Financial Planning Association, and writing on the tax implications of being an American abroad. John does not receive any compensation for his volunteer work. John has a small US tax advisory company where he does US taxes for a limited number of family, friends, and others. Non-family/friends are pre-approved at White Lighthouse Investment Management’s discretion. To prevent conflicts of interest, John is only preparing a tax return for 1 mutual White Lighthouse Investment Management Inc. client. John also does pro bono financial planning work for After Innocence, a program that helps wrongly incarcerated Americans to get their financial life back on track. Additional Compensation No additional compensation is received. Compensation is only received directly from clients. 4  Supervision As an employee of White Lighthouse Investment Management Inc., John is responsible for serving his clients and abides by the firm’s Code of Ethics, which mirrors the CFP Board’s Code of Ethics and Standards of Conduct. He is monitored by the Chief Compliance Officer (CCO), Kathleen Quintero, and supervised by the firm’s owner, Jonathan Lachowitz. Requirements for State-Registered Advisors John York has never been found liable in any arbitration claim alleging damages in excess of $2500 (or any amount) involving: investment-related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, or dishonest, unfair or unethical practices, or for any other matter. John York has never been found liable in any civil, self-regulatory organization of administrative proceedings involving investments, investment related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, or dishonest, unfair or unethical practices, or for any other matter. John York has never been the subject of a bankruptcy petition. 5 

Part 2B of Form ADV: Brochure Supplement White Lighthouse Investment Management Inc. – Head Office (previously known as White Lighthouse Investment Management and JJK Investment Management) 5 Dutton Lane Bedford, MA 01730 (508) 471-4431 Jonathan Lachowitz 5 Dutton Lane Bedford, MA 01730 Phone: 1 (508) 471-4431 This brochure supplement provides information about Jonathan Lachowitz that supplements the White Lighthouse Investment Management Inc. ADV brochure. You should have received a copy of that brochure. Please contact Jonathan Lachowitz at 1-508-471-4431 if you did not receive the White Lighthouse Investment Management Inc. ADV brochure or if you have any questions about the contents of this supplement. Additional information about Jonathan Lachowitz and White Lighthouse Investment Management Inc. are available on the US Securities and Exchange Commission’s (SEC) website at www.adviserinfo.sec.gov. 1  Educational Background and Business Experience Jonathan Lachowitz – Born 1969 Education: BA – Economics Hamilton College - 1991 MBA – Finance, Marketing, International Business New York University Stern School of Business – 1997 Certificate in Financial Planning Kaplan University - 2005 Business Experience: Financial Planner/Investment Manager-White Lighthouse Investment Management 2006-Present Jonathan Lachowitz is a Certified Financial Planner and member of the Financial Planning Association. The Certified Financial Planner™, CFP®, and federally registered CFP with flame design (collectively, the “CFP® marks”) are professional certification marks granted in the United States by the Certified Financial Planner Board of Standards, Inc. (“CFP Board”). CFP® Professionals are held to a fiduciary standard which requires them to act in their clients’ best interests. Jonathan is currently the Chairman of American Citizens Abroad Inc. (ACA) where he has also served as a member of the Executive Committee (since 2008). ACA is a qualified 501(c)(4) non-profit membership organization whose mission is to educate, advocate, and inform both the US government and US citizens living and working overseas on issues of concern to the overseas US citizen community. ACA is the premier thought-leader on issues affecting US citizens living and working abroad. Jonathan has never received compensation for his volunteer work at ACA. From 2011-2016, Jonathan served as a board member of the Swiss Financial Planning Organization (“SFPO”). SFPO is authorized by the Financial Planning Standards Board in Washington, DC to grant CFP® marks in Switzerland. Due to time constraints, Jonathan voluntarily resigned from the SFPO Board in 2016 after having served for 5 years. He remains a member of the SFPO in good standing. Jonathan has written various articles on international, personal finance issues. From 2014 – 2016, Jonathan wrote for the Wall Street Journal, and in 2019 and 2020, he wrote for 2  Bloomberg. All of Jonathan’s published work can be found on the White Lighthouse website at white-lighthouse.com. Jonathan has appeared as a guest lecturer at various business schools. He has taught Executive Education at the International Institute for Management Development (“IMD”) in Lausanne, Switzerland and on Wealth Management Programs at ESCP’s London Campus. The material he presented was generally of a financial and tax planning nature. Disciplinary Information There have been no disciplinary events against Jonathan Lachowitz. Other Business Activities Jonathan Lachowitz is the owner of White Lighthouse Investment Management SARL and has an office located in Lausanne, Switzerland from where he conducts business. White Lighthouse Investment Management SARL is registered with both the financial authorities in Switzerland (FINMA) and the United States (SEC). White Lighthouse Investment Management SARL is a fee-only investment management firm that operates in a similar manner to White Lighthouse Investment Management Inc., but with a focus on serving non-American clients who live in Switzerland and whose assets are held in custody in Switzerland. White Lighthouse Investment Management Inc. has been authorized by FINMA to have a representative office in Lausanne, Switzerland. It was one of the first foreign portfolio management companies to receive this authorization. There are no material conflicts of interest based on the work Jonathan does at White Lighthouse Investment Management SARL with respect to serving clients at White Lighthouse Investment Management Inc. The two firms serve distinctly separate client markets, though due to personal circumstances, some clients may be clients of both companies. In 2014 Jonathan joined the Board of Advisors of OnShore Wealth SA, a Swiss-registered independent asset management firm. OnShore Wealth SA was formed by Yves Bonnard, an attorney based in Lausanne, Switzerland. Mr. Bonnard and Jonathan Lachowitz have known each other personally and professionally for many years and have worked together serving some of the same clients. OnShore Wealth SA is one of two “Solicitors” for White Lighthouse Investment Management Inc. and this agreement with OnShore Wealth SA pertains to 3 clients. Jonathan has not received any compensation, client referrals, or other material benefit for his role at OnShore Wealth SA, nor has Jonathan paid or given any material benefit for being in this role. In January 3  2019, OnShore Wealth SA was restructured, and the name changed to OnSa Advisors SA. Jonathan’s role remains the same as described above. Additional Compensation No additional compensation is received. Compensation is only received directly from clients. Supervision As the owner of White Lighthouse Investment Management Inc, Jonathan is responsible for serving his clients and abides by the firm’s Code of Conduct which mirrors the CFP Board’s Code of Ethics and Standards of Conduct. Jonathan is monitored by the Chief Compliance Officer (CCO), Kathleen Quintero. Compliance remains a primary responsibility for all White Lighthouse employees who have access to the firm’s data, so Jonathan and his colleagues remain diligent on this matter. Requirements for State-Registered Advisors Jonathan Lachowitz has never been found liable in any arbitration claim alleging damages in excess of $2500 (or any amount) involving: investments, investment related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, dishonest, unfair, or unethical practices, or any other matter. Jonathan Lachowitz has never been found liable in any civil, self-regulatory organization, or administrative proceedings involving: investments, investment related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, dishonest, unfair, or unethical practices, or any other matter. Jonathan Lachowitz has never been the subject of a bankruptcy petition. 4 

Part 2B of Form ADV: Brochure Supplement White Lighthouse Investment Management Inc. – Head Office (Previously known as White Lighthouse Investment Management and JJK Investment Management) 5 Dutton Lane Bedford, MA 01730 (508) 471-4431 Otto Rivera 2767 Mead Ave St. Cloud, FL 34771 Phone: (407) 508-9908 This brochure supplement provides information about Otto Rivera that supplements the White Lighthouse Investment Management Inc. ADV brochure. You should have received a copy of that brochure. Please contact Otto Rivera at 407-508-9908 if you have not received the White Lighthouse Investment Management Inc. ADV brochure, or if you have any questions about the contents of this supplement. Additional information about Otto Rivera and White Lighthouse Investment Management is available on the US Securities and Exchange Commission’s (SEC) website at www.adviserinfo.sec.gov. 1  Educational Background and Business Experience Otto Rivera – Born 1978 Education: Bachelor of Science, Business Administration University of Phoenix - 2007 Certificate in Financial Planning Bryant University – 2020 Business Experience: Financial Planner/Investment Manager - White Lighthouse Investment Management 2019 – Present Senior Relationship Specialist/ Registered Representative — Charles Schwab & Co. 2014 – 2019 Quality Assurance Specialist — Florida Department of Transportation (Private Contractor) 2008 – 2014 Otto Rivera is a Certified Financial Planner and member of the Financial Planning Association. The Certified Financial Planner™, CFP®, and federally registered CFP with flame design (collectively, the “CFP® marks”) are professional certification marks granted in the United States by the Certified Financial Planner Board of Standards, Inc. (“CFP Board”). The CFP® certification is a voluntary certification: no federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.CFP.net. It is recognized in the United States and other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. CFP® professionals are held to a fiduciary standard which requires them to act in their clients’ best interests. Currently, more than 100,000 individuals have obtained CFP® certification in the United States. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: Education – Complete college or university-level coursework through a CFP Board Registered Program and become well-versed in these major financial planning areas: Professional Conduct and Regulation, General Principles of Financial Planning, Risk Management and 2  Insurance Planning, Investment Planning, Tax Planning, Retirement Savings and Income Planning, Estate Planning, Psychology of Financial Planning and Financial Plan Development. Examination – Pass the comprehensive CFP® Certification Examination. The CFP® exam is a 170-question, multiple-choice test addressing areas included in the Principal Knowledge Topics listed above. The test consists of two 3-hour sections which include stand-alone questions, short scenario questions and case studies designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances. Experience – Complete at least 6,000 hours of financial planning-related experience. Ethics – Commit to the CFP Board to act as a fiduciary, submit to a detailed background check, and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct which include an expanded scope of the fiduciary duty standard for CFP® professionals. Individuals who become certified must complete the following continuing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: Continuing Education – Complete 30 hours of continuing education hours every two years, including 2 hours on the Code of Ethics and 28 hours on other parts of the Code of Ethics and Standards of Conduct in order to introduce or review the competencies and knowledge that enhances the performance of CFP® professionals. Ethics – Complete a pre-approved 2-hour CFP Board Ethics program that is specific to CFP® Certification. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Disciplinary Information There have been no disciplinary events against Otto Rivera. Other Business Activities Otto has a seasonal tax company, Emergent Tax Services LLC. To prevent conflicts of interest, Otto does not prepare or sign tax returns for clients of White Lighthouse Investment Management without prior approval from the owner or Chief Compliance Officer. In 2025, he has been approved to prepare one of White Lighthouse Investment Management Inc’s client’s tax return. 3  Otto does pro bono, financial planning coaching for a variety of non-profit organizations including Wings for Widows, and After Innocence. Otto also volunteers his time at the Financial Planning Association (FPA) working on Behavioral Economics, Special Needs, and Neurodivergent topics. He spends his time organizing and coordinating calls with other members and gives presentations on these topics. Otto is also a CFP Board Ambassador and communicates to the public the importance of working with a CERTIFIED FINANCIAL PLANNER®. He speaks at events and to the media and uses social media to champion the CFP Board’s efforts to advance the financial planning profession for the benefit of the public. Additional Compensation No additional compensation is received. Compensation is only received directly from clients. Supervision As an employee of White Lighthouse Investment Management Inc., Otto is responsible for serving clients and abides by the firm’s Code of Ethics, which mirrors the CFP Board’s Code of Ethics and Standards of Conduct. He is monitored by the Chief Compliance Officer (CCO), Kathleen Quintero, and supervised by the firm’s owner, Jonathan Lachowitz. Requirements for State-Registered Advisors Otto Rivera has never been found liable in any arbitration claim alleging damages in excess of $2500 (or any amount) involving: investments, investment-related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, or dishonest, unfair or unethical practices, or for any other matter. Otto Rivera has never been found liable in any civil, self-regulatory organization of administrative proceedings involving investments, investment related activities, fraud, false statements, omissions, theft, embezzlement, wrongfully taking property, bribery, forgery, counterfeiting, extortion, or dishonest, unfair or unethical practices, or for any other matter. Otto Rivera has never been the subject of a bankruptcy petition. 4