Firm Description Ancora Family Wealth Advisors, LLC (Ancora), is an investment advisor registered with the SEC. We specialize in customized portfolio management for individual investors, high net worth individuals, families, pensions and profit-sharing plans. Principal Owners FOCUS FINANCIAL PARTNERS, LLC Ancora Family Wealth Advisors, LLC is part of the Focus Financial Partners, LLC (“Focus LLC”) partnership. Specifically, Ancora Family Wealth Advisors, LLC is a wholly-owned subsidiary of Focus Operating, LLC (“Focus Operating”), which is, directly and indirectly, a wholly-owned subsidiary of Focus LLC. Focus Financial Partners Inc. (“Focus Inc.”) is the sole managing member of Focus LLC and has 100% of its governance rights. Accordingly, all governance is conducted through the voting rights and the Board of Directors at Focus Inc. Focus Inc. is the managing member of and owns, directly and indirectly, approximately 99% of the economic interests in Focus LLC. Focus Inc. is majority-owned, indirectly, and collectively, by funds affiliated with Clayton, Dubilier & Rice, LLC (“CD&R”). Funds affiliated with Stone Point Capital LLC (“Stone Point”) are indirect owners of Focus Inc. Because Ancora Family Wealth Advisors, LLC is an indirect, wholly-owned subsidiary of Focus Inc., CD&R and Stone Point funds are indirect owners of Ancora Family Wealth Advisors, LLC. Focus LLC also owns other registered investment advisers, broker-dealers, pension consultants, insurance firms, business managers and other firms (the “Focus Partners”), most of which provide wealth management, benefit consulting and investment consulting services to individuals, families, employers, and institutions. Some Focus Partners also manage or advise limited partnerships, private funds, or investment companies as disclosed on their respective Form ADVs. Ancora Family Wealth Advisors, LLC is managed by (“Ancora Family Wealth Advisors, LLC Principals”), pursuant to a management agreement between Terza Partners, LLC and Ancora Family Wealth Advisors, LLC. The Ancora Family Wealth Advisors, LLC Principals serve as officers and leaders of Ancora Family Wealth Advisors, LLC and, in that capacity, are responsible for the management, supervision and oversight of Ancora Family Wealth Advisors, LLC. Types of Advisory Services We specialize in customized portfolio management for individual investors, high net worth individuals, families, pensions, and profit-sharing plans. As part of this service, we generally create an investment portfolio to meet the client’s particular investment goals. Portfolios may consist of a combination of individual stocks, individual bonds, Mutual Funds, ETFS, other fixed income securities, as well as offering proprietary funds and other affiliated companies services. Our firm may also perform the role of an asset allocator or consultant for the trustees of qualified plans, foundations or endowments, and affluent families. Our firm also provides lifetime planning and wealth advisory services, where we work closely with clients and their industry professionals to help you define and set future needs and goals. Our review will include client assets, liabilities, current and future cash flow and income needs, insurance needs, estate planning and related legal documents, and projected Social Security and other pension benefits. Clients may ask for 7 additional services, fee changes or other

terms in their agreements. We implement investment advice on behalf of certain clients in held-away accounts that are maintained at independent third-party custodians. These held-away accounts are often 401(k) accounts, 529 plans and other assets that are not held at our primary custodian(s). The order management system that we use for held-away accounts is provided by Pontera Solutions, Inc. We review, monitor, and manage these held-away accounts in an integrated way with client accounts held at our primary custodian(s). Further information about this service is available in Item 5. Ancora Family Wealth Advisors, LLC is a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) with respect to investment management services and investment advice provided to ERISA plan clients, including ERISA plan participants. Ancora Family Wealth Advisors, LLC is also a fiduciary under the Internal Revenue Code (the “IRC”) with respect to investment management services and investment advice provided to ERISA plans, ERISA plan participants, IRAs and IRA owners (collectively, “Retirement Account Clients”). As such, Ancora Family Wealth Advisors, LLC is subject to specific duties and obligations under ERISA and the IRC that include, among other things, prohibited transaction rules which are intended to prohibit fiduciaries from acting on conflicts of interest. When a fiduciary gives advice in which it has a conflict of interest, the fiduciary must either avoid or eliminate the conflict or rely upon a prohibited transaction exemption (a “PTE”). As a fiduciary, we have duties of care and of loyalty to you and are subject to obligations imposed on us by the federal and state securities laws. As a result, you have certain rights that you cannot waive or limit by contract. Nothing in our agreement with you should be interpreted as a limitation of our obligations under the federal and state securities laws or as a waiver of any unwaivable rights you possess. This document will outline a typical client offering and interaction but it is important to understand each client situation is different and that you should read and understand all documents that Ancora provides. Tailored Relationships Ancora Family Wealth Advisors, LLC can work with clients to make customized portfolios and provide advice for special situations and needs. Other Services We offer clients the option of obtaining certain financial solutions from unaffiliated third-party financial institutions through UPTIQ Treasury & Credit Solutions, LLC (together with UPTIQ, Inc. and its affiliates, “UPTIQ”). Please see Items 5 and 10 for a fuller discussion of these services and other important information. We help our clients obtain certain insurance solutions from unaffiliated, third-party insurance brokers by introducing clients to our affiliate, Focus Risk Solutions, LLC (“FRS”), a wholly owned subsidiary of our parent company, Focus Financial Partners, LLC. Please see Items 5 and 10 for a fuller discussion of these services and other important information. Client Assets Ancora Family Wealth Advisors manages accounts primarily on a discretionary basis, but will advise clients on a non-discretionary basis under certain arrangements. As of December, 31, 2023, we managed approximately $ 2,696,154,336 in client assets on a discretionary basis and $ 12,685,491 on a non- discretionary basis.
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