About Waypoint Capital Advisors (WCA) In April 2015 Sebago Capital, LLC changed its name to Waypoint Capital Advisors, LLC (“WCA”). WCA is a registered investment advisor and provides wealth management and investment advisory services to affluent individuals and families. WCA is owned by Mr. Mark Pletts, Mr. David Baratta, Mr. Jon Kennedy, and Mrs. Nancy Hughes and is registered in the state of Minnesota. WCA has offices in Scottsdale, Arizona and Minneapolis, Minnesota. Waypoint Capital Advisors, LLC also offers services under the d/b/a Sebago Capital. Sebago Capital manages accounts for institutions with a Small Company Mandate. A separate ADV2A for Sebago Capital has been filed and is available upon request. The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written Client consent. As of December 31, 2022, WCA actively managed $ 524,466,266 .00 in clients' assets on a discretionary basis and $622,662.00 on a non-discretionary basis. Wealth Management Services WCA provides ongoing asset management and financial planning services as part of its Wealth Management Services. These services are based on a client’s individual objectives, which takes into consideration their goals; appropriate time horizons, risk tolerance as well as other factors. WCA creates an Investment Policy Statement (IPS) for each client that outlines the parameters of the client’s current situation. Financial Planning Services include, but are not limited to:
• Global Balance Sheet analysis
• Cash flow analysis
• Tax planning
• Asset Allocation
• College funding
• Retirement
• Risk management
• Estate planning
• Charitable planning
• Generational and Legacy consulting In addition to financial planning, WCA offers discretionary and non-discretionary management of client portfolios as a fee-only advisor. WCA’s fee arrangement for these services are disclosed in Item 5 of this brochure. The client will sign a Client Agreement (CA) outlining the services that WCA will provide and the compensation WCA will receive. WCA does not provide tax or legal advice. As a Registered Investment Advisor, we are held accountable to a fiduciary standard of care. We are required to act in our clients best interest at all times. By acting as a fiduciary we are required to disclose any potential conflicts of interest. We believe the benefit to our clients is a consulting environment where trust is of

the utmost importance and built cumulatively between WCA and our clients. Waypoint Capital Advisors 5 Financial Consulting WCA can also provide on a contractual basis financial consulting. WCA will offer a variety of advice during a financial consultation depending on the client’s investment needs and financial concerns. Financial consulting advice may include one or more of the following:
• Global Balance Sheet analysis
• Cash flow analysis
• Tax planning
• Asset Allocation
• College funding
• Retirement
• Risk management
• Estate planning
• Due Diligence review
• Charitable planning
• Generational and Legacy consulting Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. 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 yours 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 your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. WCA tailors its investment advice to each client’s individual needs. WCA’s initial and on-going client consultations allow WCA to determine risk, asset allocation and analyze other factors before making a recommendation. Clients are advised to notify WCA as changes to their financial situation occur or investment objectives change. A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. WCA does not participate in any wrap fee programs. Waypoint Capital Advisors 6