Website Disclosure

Important Disclosure Information

Modern Wealth, LLC ("Modern Wealth" or the "Company") is an investment adviser registered with the Commonwealth of Pennsylvania Department of Banking and Securities and with the Florida Office of Financial Regulation, with its principal place of business located at 730 Penllyn Blue Bell Pike, Blue Bell, Pennsylvania 19422. Registration as an investment adviser does not imply any certain level of skill or training. A copy of the Company's current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request.

Company may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Company's web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Company's web site on the Internet should not be construed by any consumer and/or prospective client as Company's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Company with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of Company's current written disclosure Brochure discussing Company's business operations, services, and fees is available from Company upon written request. Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Company's web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Company), will be profitable or equal any historical performance level(s).

Certain portions of Company's web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Company (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Company, or from any other investment professional. Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Please Note: Limitations. Neither rankings and/or recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Company is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (see participation criteria/methodology). Unless expressly indicated to the contrary, Company did not pay a fee to be included on any such ranking. No ranking or recognition should be construed as a current or past endorsement of Company by any of its clients. ANY QUESTIONS: The Company's Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including the criteria used for any reflected ranking.

To the extent that any client or prospective client utilizes any economic calculator, planning tool, or similar interactive device contained within or linked to Company's web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Company, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Company's web site, to release and hold harmless Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Company.

Awards and Ratings

Specific information about the third-party recognitions referenced on this website and in Modern Wealth's marketing materials, provided in addition to the Limitations paragraph above.

Five Star Wealth Manager (Philadelphia), 2026

• Issued by: Crescendo Business Services, LLC, doing business as Five Star Professional, which is not affiliated with Modern Wealth.
• Award year: 2026, based on research conducted by Five Star Professional in the period preceding the award.
• Selection criteria: Candidates are identified through firm nomination, peer nomination, or prequalification based on industry standing; self-nominations are not accepted. Five Star Professional then evaluates candidates against ten objective criteria, which include registration as an investment adviser, a minimum of five years of active employment, a favorable regulatory and complaint history reviewed through FINRA BrokerCheck, the SEC's Investment Adviser Public Disclosure database and Form ADV, client retention, the number of households served, professional designations, and community service.
• Compensation: Modern Wealth did not pay any fee to be considered for, or to be named to, the Five Star Wealth Manager list. Modern Wealth did pay Five Star Professional a fee for the use of the award's marketing materials. This is expressly indicated here, because the Limitations paragraph above states that no fee was paid to be included on any such ranking unless expressly indicated to the contrary.

Top 100 Financial Advisors, etf.com, 2024

• Issued by: etf.com, which is not affiliated with Modern Wealth.
• Award year: 2024. This recognition reflects the evaluation made as of that date and should not be read as a current ranking.
• Selection criteria: The list recognizes advisers for their use of exchange-traded funds, with significant weight given to the proportion of ETFs allocated within client portfolios, alongside expertise, growth, and leadership in the use of ETFs. Listed advisers are verified through FINRA and the SEC. Please note that the underlying metrics evaluated by etf.com are self-reported by participating advisers.
• Compensation: Modern Wealth did not pay any compensation, directly or indirectly, in connection with obtaining this rating or with using it in advertising.

Neither recognition is an endorsement of Modern Wealth by any client, is indicative of any individual client's experience, evaluates the quality of the services provided, or is a guarantee of future results. Modern Wealth's Chief Compliance Officer remains available to address any questions regarding these recognitions, including the criteria used for each.

Fees

The fees shown on this website are Modern Wealth's standard starting fees. Your exact fee depends on the complexity of your situation and is confirmed in writing before any engagement begins. Modern Wealth is compensated only by the fee its clients pay: never a commission, and never a surprise.

Investment Management Disclosure

All investing involves risk, including the possible loss of principal. Diversification and asset allocation do not ensure a profit or protect against loss in a declining market. Past performance does not guarantee future results, and nothing here is a promise of any particular return, income, or tax outcome. Figures, charts, and allocations shown on this page are illustrative only. Modern Wealth does not provide legal or tax advice; work with your attorney and tax professional on those questions. Investment advisory services are offered only under a written agreement. Allocations shown are illustrative targets and are not a recommendation for any individual. Alternative investments involve additional risks, including complexity, higher fees and liquidity constraints, and may not be suitable for all investors. Private investments are speculative, illiquid and available only to eligible investors. Redemptions are typically limited to quarterly windows and may be reduced or suspended by the fund. Values are based on periodic appraisals and are reported with a delay. Some funds issue Schedule K-1s that may arrive after the tax filing deadline. Fund-level fees, including any performance fees, are in addition to Modern Wealth's advisory fee. Pre-IPO investments are interests in a single private company held through a special purpose vehicle sponsored by a third party. They are available only to accredited investors, are highly speculative and concentrated, generally cannot be redeemed before a liquidity event that may never occur, and may result in the loss of the entire investment. Offerings are subject to limited availability and capacity, sponsor approval and the terms of each offering, and fees vary by offering. Private investments are not part of Modern Wealth's model portfolios. The custodian may receive compensation from the managers of certain private funds available on its platform; Modern Wealth receives no compensation from fund managers. Tax-loss harvesting and asset location strategies may not produce tax benefits in every case, and their effectiveness depends on individual circumstances. Direct indexing is subject to account minimums. Modern Advisement accounts are managed by the client; Modern Wealth provides model allocations and guidance only.

Estate Planning Documents

Modern Wealth is not a law firm, its advisers are not attorneys, and it does not provide legal advice or legal services. Estate planning documents are created by the client through Vanilla Document Builder, self-guided software from Vanilla, a third-party provider.

In Vanilla Document Builder, the client chooses which document package, if any, is right for them, answers the questionnaire, and makes every decision. Modern Wealth cannot enter answers or make decisions on the client's behalf. Before starting, each client acknowledges that neither Vanilla nor their financial advisor can give legal advice or act as their lawyer, and that neither is responsible for the choices the client makes or the information the client provides. Use of the software is governed by Vanilla's Terms of Service.

The software produces documents from templates that reflect the client's selections. Vanilla states that its templates have been reviewed by attorneys practicing in all 50 states and the District of Columbia; a lawyer does not review the documents produced for an individual client. Some situations are not supported, including disinheriting a spouse, planning for special needs beneficiaries, international assets, and prenuptial agreements.

Clients who want customized documents, legal advice on structuring a plan, or attorney review before signing may engage an attorney of their choosing, or one introduced through the Vanilla Attorney Network. Any attorney is engaged directly by the client, and the client is responsible for that attorney's fees. With the client's consent, Modern Wealth may take part in that process and coordinate with the attorney.

Documents must be properly signed, witnessed and, where required, notarized under the laws of the client's state to be enforceable, and clients are responsible for following the execution instructions provided.

Where Modern Wealth uses Vanilla's services to extract factual information from a client's existing estate planning documents, that information is used for financial planning only. It is not a legal review, and it is not an opinion on whether a document is valid, enforceable, or effective.

Any discussion of estate planning concepts on this website or in client materials is general information, not legal advice. Estate laws vary by state and change over time, and clients should consult a qualified attorney about their specific legal situation.

Blog Disclosure

Important Disclosure Information

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Modern Wealth, LLC ["Modern Wealth"]), or any non-investment related content, made reference to directly or indirectly in this blog will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this blog serves as the receipt of, or as a substitute for, personalized investment advice from Modern Wealth. Please remember that if you are a Modern Wealth client, it remains your responsibility to advise Modern Wealth, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. Modern Wealth is neither a law firm nor a certified public accounting firm and no portion of the blog content should be construed as legal or accounting advice. A copy of Modern Wealth's current written disclosure Brochure discussing our advisory services and fees is available for review upon request. Please Note: Modern Wealth does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Modern Wealth's web site or blog or incorporated herein, and takes no responsibility for any such content. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Please Also Note: If you are a Modern Wealth client, please advise us if you have not been receiving account statements (at least quarterly) from the account custodian.

Commentary / Newsletter Disclosure

Important Disclosure Information

Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Modern Wealth, LLC ["Modern Wealth"]), or any non-investment related content, made reference to directly or indirectly in this commentary will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this commentary serves as the receipt of, or as a substitute for, personalized investment advice from Modern Wealth. Please remember to contact Modern Wealth, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. Unless, and until, you notify us, in writing, to the contrary, we shall continue to provide services as we do currently. Modern Wealth is neither a law firm, nor a certified public accounting firm, and no portion of the commentary content should be construed as legal or accounting advice. A copy of Modern Wealth's current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request. Please Note: If you are a Modern Wealth client, please advise us if you have not been receiving account statements (at least quarterly) from the account custodian.

Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your Modern Wealth account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your Modern Wealth accounts; and, (3) a description of each comparative benchmark/index is available upon request.

Please Note: Limitations. Neither rankings and/or recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Modern Wealth is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (see link as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary, Modern Wealth did not pay a fee to be included on any such ranking. No ranking or recognition should be construed as a current or past endorsement of Modern Wealth by any of its clients. ANY QUESTIONS: Modern Wealth's Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including the criteria used for any reflected ranking.

Marketing Brochure / Pitch Book / Advertisement Disclosure

Important Disclosure Information

Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Modern Wealth, LLC ["Modern Wealth"]), or any non-investment related services, will be profitable, equal any historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Modern Wealth is an investment adviser registered with the Commonwealth of Pennsylvania Department of Banking and Securities and with the Florida Office of Financial Regulation. Registration as an investment adviser does not imply any certain level of skill or training. Modern Wealth may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Modern Wealth is neither a law firm, nor a certified public accounting firm, and no portion of its services should be construed as legal or accounting advice. Moreover, you should not assume that any discussion or information contained in this document serves as the receipt of, or as a substitute for, personalized investment advice from Modern Wealth. Please remember that it remains your responsibility to advise Modern Wealth, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. A copy of our current written disclosure Brochure discussing our advisory services and fees is available upon request. The scope of the services to be provided depends upon the needs of the client and the terms of the engagement.

Historical performance results for investment indices, benchmarks, and/or categories have been provided for general informational/comparison purposes only, and generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. It should not be assumed that your account holdings correspond directly to any comparative indices or categories. Please Also Note: (1) performance results do not reflect the impact of taxes; (2) comparative benchmarks/indices may be more or less volatile than your accounts; and, (3) a description of each comparative benchmark/index is available upon request.

Please Note: Limitations. Neither rankings and/or recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Modern Wealth is engaged, or continues to be engaged, to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers (see link as to participation data/criteria, to the extent applicable). Unless expressly indicated to the contrary, Modern Wealth did not pay a fee to be included on any such ranking. No ranking or recognition should be construed as a current or past endorsement of Modern Wealth by any of its clients. ANY QUESTIONS: Modern Wealth's Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including the criteria used for any reflected ranking.