A. Firm Information Goalsetter Advisors LLC d/b/a Goalsetter Gold ("Goalsetter Gold", "us", "we" or the "Advisor") is a registered investment advisor with the SEC organized as a limited liability company under the laws of the State of Delaware. Goalsetter Gold was founded in November 2017 and is a wholly owned subsidiary of Students of Wealth, Inc. and affiliate of Goalsetter LLC d/b/a Goalsetter ("Goalsetter"). This Disclosure Brochure provides information regarding the qualifications, business practices, and advisory services offered by Goalsetter Gold. Goalsetter Gold offers investment advisory services to individuals (referred to as "Clients") over the Internet through an interactive mobile application (the "Platform") that requires a funding account first be established with our affiliate Goalsetter, a mobile financial technology application. Funding accounts are linked to savings accounts offered through Goalsetter's partnership with Webster Bank, N.A., Member FDIC. Once a funding account is established, a Goalsetter Gold account may be opened by submitting an application through the Platform and the establishment of an account with Goalsetter Gold's custodian, DriveWealth LLC ("DriveWealth"). Goalsetter Gold accounts are not FDIC insured. B. Advisory Services Offered Goalsetter Gold's Platform empowers families to learn financial literacy by having an investment account and using educational tools within the Platform. Accounts established for the benefit of a minor are UGMA/UTMA accounts. They must be opened in conjunction with a related adult account where that adult serves as the custodian for the benefit of the minor. In addition, adults may have their own Goalsetter Gold accounts, together with access to financial literacy and educational tools on the Platform. Goalsetter Gold provides a non-discretionary investment advisory solution for its Clients. The advice provided is based on Clients using the Platform to ascertain both the parent and the child's risk tolerances and investment objectives, and based on the information provided, an algorithm informs Clients of their assigned appropriate risk tolerance and provides recommendations for exchange-traded funds ("ETFs") that align with the results of the initial questionnaire and assigned risk tolerance. The Advisor only provides recommendations on ETFs available on its custodian's (DriveWealth) platform. The Advisor does not recommend investments that are short-term in nature or that require frequent trading. However, in limited circumstances,

the Advisor may recommend buy, sell, or reallocate positions that have been held less than one year due to market conditions, or to generate cash. At no time will Goalsetter Gold accept or maintain custody of a Client's funds or securities. All Client assets will be managed within their designated account[s] at the custodian, DriveWealth, pursuant to the terms of the Platform agreement. Please see Item 12 – Brokerage Practices. Clients visiting www.goalsetter.co/legal and other electronic sites maintained by the Advisor will be provided with links to the Apple App Store or Google Play App store from which the Platform may be downloaded in order to access to the Platform, including its investment and financial literacy and educational features. C. Client Account Management Limited Access to Goalsetter Gold Goalsetter Gold serves as an "Internet-Only" investment advisor pursuant to Section 203A-2(e) of the Investment Advisers Act of 1940, as amended (the "Advisers Act"). Under this registration, Goalsetter Gold provides investment advice solely through the Platform. Goalsetter Gold is not available to Clients for telephone conversations or communications through other means such as U.S. mail, courier, or email (other than operational emails). Due to its virtual nature, Goalsetter Gold does not meet with Clients at its offices. All advice, support, and inquiries are delivered through the Platform. To gain access to Goalsetter Gold, the Client must join the Platform and agree to its terms of use. The Advisor may, for a limited number of Clients annually, provide customized services, subject to the limitations outlined in Section 203A-2(e) of the Advisers Act. D. Wrap Fee Programs This brochure describes the wrap fee program offered by Goalsetter Gold, which bundles or "wraps" non-discretionary investment advisory services with other administrative services provided by an affiliate and our custodian, DriveWealth. For more information about DriveWealth fees that are in addition to the monthly fee, please visit https://legal.drivewealth.com/ or review your investment advisory agreement. E. Assets Under Management Goalsetter Gold does not provide continuous and regular supervisory or management services to its Clients, nor does it have Clients for whom it has regulatory assets under management.