9AT: OSAIC WEALTH, INC.

OSAIC WEALTH, INC.

other names

OSAIC WEALTH, INC.
1752 FINANCIAL SOLUTIONS
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DAWSON & BERTRAN INVESTMENT ADVISORS
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DAVIS ASSOCIATES
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BRIAN L. JOHNSON, WEALTH ADVISOR
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BENEFIT PLANNERS & COMPANY LLC
BENEFIT MANAGEMENT SPECIALISTS 360
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BENCHMARK FINANCIAL GROUP, INC
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ASPENCROSS WEALTH MANAGEMENT
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AIHARA & COMPANY, APC
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ADVISOR SERVICES GROUP LLC
ADVANCED FINANCIAL CONSULTANTS
ADAPTATION FINANCIAL ADVISORS
ACORN FINANCIAL SERVICES INC
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401KCONCEPTS
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1752 FINANCIAL SOLUTIONS, LLC...
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AMERIFLEX FINANCIAL SERVICES
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ALLIED WEALTH MANAGEMENT LLC
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CARROLL ENTERPRISES LLC
CAROLINA WEALTH STEWARDSHIP GROUP
CAPITAL RESOURCE MANAGEMENT
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BOYD INVESTMENT SERVICES
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BDL ADVISORS, LLC
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ARBEITER & BADIUK
ANDERSON WEALTH ADVISORS, LLC
AIELLO WEALTH MANAGEMENT
ADV
BROOKSTONE WEALTH STRATEGIES
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BLUEBIRD WEALTH PARTNERS
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BARNAS FINANCIAL
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ATLAS FINANCIAL PLANNING
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ALPINE PLANNING GROUP
ADVANCED CAPITAL STRATEGIES
3RD COAST FINANCIAL
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AVISO FINANCIAL LLC
AGARWOOD WEALTH
BAILLIE & ASSOC WEALTH MANAGEMENT
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BACKCOUNTRY INSURANCE SERVICES
AXION FINANCIAL GROUP
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ANTHONY GIULIANO
ANN M. MOROCCO
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ANDERSON-VANHORNE ASSOCIATES
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AMERIWEALTH RETIREMENT SERVICES
AMERICAN WEALTH PARTNERS
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AMANDA M. BONOMI, E.A., CFP
ALTER RETIREMENT PLANNING
ALTA FINANCIAL
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ALLIED FINANCIAL PARTNERS
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AGP FINANCIAL
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AFR FINANCIAL GROUP
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ADVANCE FINANCIAL GROUP
ADMIRAL FINANCIAL
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ACERRA & ASSOCIATES
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1865 WEALTH ADVISORS AT CNB BANK
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1752 FINANCIAL SOLUTIONS, LL...
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AMERICAN PREMIER FINANCIAL GROUP
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ACT FINANCIAL SERVICES, INC
A. GEOFFREY WADE FINANCIAL SERVICES LLC
21ST CENTURY FINANCIAL SERVICES
ASCEND WEALTH PARTNERS, LLC
ARTER FINANCIAL STRATEGIES
ARRE INVESTMENT SERVICES
ARLEN FINANCIAL
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APPALACHIAN WEALTH MANAGEMENT
AMON & ASSOCIATES
AMERICAN BENEFIT CONSULTANTS, INC.
ALPHA OMEGA WEALTH PARTNERS
ALL AMERICAN WEALTH
AINLEY FINANCIAL GROUP
AGRIBUSINESS SUCCESSION ADVISORS, LLC
AEGIS FINANCIAL PARTNERS
AEGIS CONSULTING
ADVISORS FINANCIAL GROUP
ACTUARIAL WEALTH MANAGEMENT
ACRE EQUITY ADVISORS
ACOSTA WEALTH MANAGEMENT
ACORN TAX AND WEALTH ADVISORS
ACORD & FONG WEALTH STRATEGIES
ACADEMY FINANCIAL, INC
A LIFE WELL SPENT
20/20 WEALTH MANAGEMENT GROUP
ASCENT ADVISORS
ALLISON WEALTH MANAGEMENT
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AERA ADVISORY AND WEALTH MANAGEMENT
A2Z WEALTH MANAGEMENT
A. GRAY FINANCIAL

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Adviser Profile

As of Date	10/20/2025
Adviser Type - Large advisory firm
Number of Employees	8,717 135.34%
of those in investment advisory functions	6,276 202.46%
Registration	SEC, Approved, 09/10/1997

AUM^*	200,266,275,275 578.04%
of that, discretionary	132,170,113,462 438.74%
Private Fund GAV^*	0
Avg Account Size	251,099 26.87%
% High Net Worth	9.85% -11.86%
SMA’s	Yes
Private Funds	0
Contact Info	800 xxxxxxx
Websites

Client Types

- Individuals (other than high net worth individuals)
- High net worth individuals
- Banking or thrift institutions
- Pooled investment vehicles
- Pension and profit sharing plans
- Charitable organizations
- State or municipal government entities
- Corporations or other businesses not listed above

Advisory Activities

- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses
- Pension consulting services
- Selection of other advisers
- Educational seminars/workshops

Compensation Arrangments

- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

Reported AUM

25B 21B 18B 14B 11B 7B 4B

2015 2016 2017 2018 2019 2020 2021 2022 2023

Discretionary

Non-discretionary

Private Funds

No private funds

Employees

Brochure Summary

Overview

Osaic Wealth, Inc. is registered as an investment adviser with the Securities and Exchange Commission (“SEC”), SEC File No. 801-54859, in order to offer investment advisory products and services to its advisory clients. Osaic Wealth, Inc. is also a member of the Financial Industry Regulatory Authority (“FINRA”) as a broker-dealer engaged in the offer and sale of securities products. Advisory products and services are offered through certain Financial Advisers (“FAs”) who have registered as Investment Adviser Representatives (“Advisory Representative”). Registration does not imply a certain level of skill or training. Osaic Wealth, Inc. is a subsidiary of Osaic, Inc., a wholly- owned subsidiary of Osaic Holdings, Inc., which is owned primarily by a consortium of investors through RCP Artemis Co-Invest, L.P., an investment fund affiliated with Reverence Capital Partners LLC. The consortium of investors includes, RCP Genpar Holdco LLC, RCP Genpar L.P., RCP Opp Fund II GP, L.P., and The Berliniski Family 2006 Trust. Osaic Wealth, Inc. the broker-dealer, will henceforth be referred to as “Osaic Wealth”. Osaic Wealth, Inc. the Registered Investment Adviser, will henceforth be referred to as “we”, “us”, “our” or the “Firm”. We have been an SEC Registered Investment Adviser since 1997 and manage, as of September 30, 2023, $43,079,473,003 of assets on a discretionary basis and $8,191,988,179 on a non-discretionary basis. Each of our Advisory Representatives is permitted to offer all or any combination of the advisory programs described below to our clients (“you” or “your”). Vision2020 Wealth Management Platform – Advisor Managed Portfolios Program The Wealth Management Platform – Advisor Managed Portfolios Program (“Advisor Managed Portfolios”) provides comprehensive investment management of your assets through the application of asset allocation planning software as well as the provision of execution, clearing and custodial services through Pershing, LLC (“Pershing”) or National Financial Services, Inc. (“NFS”). Advisor Managed Portfolios provides risk tolerance assessment, efficient frontier plotting, fund profiling and performance data, and portfolio optimization and re-balancing tools. Utilizing these tools and based on your responses to a risk tolerance questionnaire (“Questionnaire”), as well as discussions that you and your Advisory Representative have together regarding, among other things, your personal investment objectives and goals, time horizon, risk tolerance, account restrictions, needs, personal circumstances and overall financial situation, your Advisory Representative constructs a portfolio of investments for you. Your Advisory Representative has the option to allocate your portfolio amongst a mix of stocks, bonds, options, exchange-traded funds, mutual funds and other securities (“Program Investments”) which are based on your investment goals, objectives, and risk tolerance. Each portfolio is designed to meet your individual needs, stated goals and objectives. Additionally, you have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. For further Advisor Managed Portfolios details, please see the Advisor Managed Portfolios Wrap Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in Advisor Managed Portfolios. Please read it thoroughly before investing. Osaic Wealth, Inc. IA Brochure – 2023.4 5 Vision2020 Wealth Management Platform – Unified Managed Account Program The Wealth Management Platform – Unified Managed Account Program (“UMA”) provides you with the opportunity to invest your assets across multiple investment strategies and asset classes by implementing an asset allocation strategy. UMA is a Wrap Account program that offers these advisory services along with brokerage and custodial services for a single, annual, asset-based advisory fee. After you discuss your financial goals and objectives with your Advisory Representative, a recommendation to an asset allocation model (“UMA Model”) will be made to you which will consist of: 1. Investment strategies serviced and created by investment managers and/or your Advisory Representative that generally consist of a selection of mutual funds, exchange traded products, equities, and or bonds; 2. Mutual funds and ETFs (“Funds”); or 3. A combination of the preceding bundled together in an investment asset allocation model. Your Advisory Representative will recommend a UMA Model to you based on your responses to a Questionnaire and discussion that your Advisory Representative and you have together regarding among other things, your personal investment objectives and goals, time horizon, risk tolerance, account restrictions, needs, personal circumstances and overall financial situation. In addition, you can place reasonable restrictions on investments held within your UMA account. All recommendations in the UMA are made on a discretionary basis, which means your Advisory Representative can act without your prior approval. For further UMA details, please refer to The Wealth Management Platform – Unified Managed Account Wrap Fee Program Brochure. We provide this brochure to you prior to or concurrent with your enrollment in UMA. Please read it thoroughly before investing. Signator Managed Account Platform In November 2018 Signator Investors, Inc., was acquired by the Osaic, Inc. and merged into Osaic Wealth, Inc. Signator Investors, Inc. was dually registered as a registered investment adviser with the SEC and as a broker- dealer with the FINRA. As a result of the acquisition, the Firm and Osaic Wealth have replaced Signator Investors, Inc. as the registered investment adviser and broker-dealer, respectively, on all Signator Managed Account Platform accounts transferred due to the acquisition. The Signator Managed Account Platform accounts (“Transferred Accounts”) are only available to clients who are already invested in them and they are not being offered to new clients or accounts. If you have assets in one of the Transferred Accounts, the Signator Managed Account Platform programs provide you with investment advisory and brokerage execution services for an all-inclusive fee through an arrangement with Envestnet Asset Management, Inc. (“Envestnet”), an unaffiliated SEC-registered investment advisor that provides investment management and investment advisory services. Envestnet’s technology has assessed and assisted your Advisory Representative in determining your risk tolerance. Based upon your risk tolerance, the Signator Managed Account Platform utilizes a system that assists your Advisory Representative in selecting investment products, investment managers, program account types and/or asset allocation that align(s) with your risk tolerance. Osaic Wealth, Inc. IA Brochure – 2023.4 6 Each of our Advisory Representatives negotiates his or her own account fee schedule. The account fees paid by client include portions paid to your Advisory Representative, as well as to the Firm, the custodian, and the Third-Party Money Managers selected. Advisory Fees are set independently regardless of manager selected. Mutual funds and ETFs invested in the account also have their own internal fees (“internal fund expenses”) which are separate and distinct from the program account fees (for more information on these fees, see the applicable fund prospectus). For complete fee details, please see the Signator Managed Account Platform program brochure. Third-Party Advisory Services The Firm can also offer you the services of various Third-Party Money Managers (“Third-Party Money Managers” or “TPMMs”) for the provision of certain investment advisory programs including mutual fund wrap and separately managed account programs. In doing so, we act in a “co-advisory” or, in certain circumstances, “promoter” capacity. Osaic Wealth does not serve as broker-dealer for your Third-Party Money Manager account except for certain Morningstar Investment Services accounts detailed below. When acting in a co-advisory capacity, the Firm and the Third-Party Money Manager are jointly responsible for the ongoing management of your account. In connection with this arrangement, your Advisory Representative will provide assistance in the selection and ongoing monitoring of a particular Third-Party Money Manager. Factors we consider in the selection of a particular Third-Party Money Manager include, but are not limited to: 1. our assessment of a particular Third-Party Money Manager; 2. your risk tolerance, goals, objectives and restrictions, as well as investment experience; and 3. the assets you have available for investment. The Firm’s role in these relationships is limited as one that monitors Third-Party Money Managers’ investment strategies generally as part of its initial and annual diligence of Third-Party Money Managers. In this case, the Firm does not exercise discretion in selecting, holding or selling portfolio investments. Third-Party Money Managers have differing minimum account requirements and a variety of fee ranges. Each manager’s advisory services, fees and expenses, program termination and other information are set forth in their disclosure brochures, client agreements, account opening documents and applicable fund prospectuses. The fees charged by Third-Party Money Managers who offer their programs directly to you may be more or less than the combined fees charged by the Third-Party Money Manager and us for our participation in the investment programs. Your Advisory Representative will assist you in opening an account and, when doing so, you will execute an agreement directly with the selected TPMM. Most TPMMs assume limited discretionary authority over your account, meaning that the selected TPMM has the authority to purchase and sell securities in your account without contacting you or your Advisory Representative first. Some TPMMs may allow you to impose restrictions on investing in specified securities or types of securities. In addition to the advisory relationship that you will have with these Third-Party Money Managers, you will also enter into an advisory relationship with us by signing our client agreement. If you are interested in learning more about these services, please note that a complete description of the programs, services, fees, payment structure and termination features are available via the applicable Third-Party Money Manager’s disclosure brochures, investment advisory contracts, and account opening documents. You should know that the services provided by us through the use of Third-Party Money Managers are under certain conditions directly offered by them to you. Osaic Wealth, Inc. IA Brochure – 2023.4 7 Your Advisory Representative can also act purely in a promoter capacity when referring you to a TPMM. When acting as a promoter for the TPMM program, the Firm and your Advisory Representative do not provide advisory services in relation to the TPMM program. Instead, your Advisory Representative will assist you in selecting one or more TPMM programs. The TPMM will be responsible for assessing the suitability of their investment recommendations against your risk profile. Your Advisory Representative is compensated for referring you to the TPMM program. This compensation generally takes the form of the TPMM sharing a percentage of the advisory fee you pay to the TPMM. When we act as a promoter for a TPMM program, you will receive a written promoter disclosure statement describing the nature of our relationship with the TPMM program, if any; the terms of our compensation arrangement with the TPMM program, including a description of the compensation that we will receive for referring you to the TPMM program. Please consult the applicable Third-Party Money Manager’s agreement for further information. The amount of compensation received by the Firm and your Advisory Representative from a particular TPMM could be higher than the compensation received from another TPMM. This is because compensation structures vary by product type as well as TPMM programs provided. This results in a conflict of interest because your Advisory Representative has a financial incentive to recommend one TPMM program over another in order to receive greater compensation. There may be other suitable TPMM programs that may be more or less costly. If you would like additional information on costs of TPMM programs chosen for you, please discuss with your Advisory Representative. Trading by Third-Party Money Managers sometimes trigger wash sale rule implications. A wash sale occurs when a security is sold at a loss and then the same or substantially identical security is repurchased within a short time period. The Third-Party Money Manager cannot necessarily manage accounts in a manner to avoid wash sale implications. You are encouraged to consult with a tax advisor to discuss any tax implications involving your portfolios in these and in all advisory programs. Morningstar Investment Services, LLC The Firm has an agreement with Morningstar Investment Services, LLC (“Morningstar”) that allows its Advisory Representatives to offer the Morningstar Managed Portfolios Program as a TPMM to clients. Osaic Wealth serves as broker/dealer for certain Morningstar accounts that were transitioned from Signator Investors, Inc. In these instances, the Firm receives a fee of 10 basis points (.10%) for providing administrative services. Osaic Wealth does not serve as broker/dealer for any new Morningstar accounts offered. Signature Investment Advisors, LLC The Firm has an agreement with Signature Investment Advisors, LLC (“SIA”) an unaffiliated Registered Investment Adviser. The agreement allows the Firm’s Advisory Representatives to offer the Signature Allocation Series as a TPMM. Owners and executives of SIA are also registered representatives of Osaic Wealth. The Firm receives a fee of up to 10 basis points (.10%) for providing supervisory services. Osaic Wealth, Inc. IA Brochure – 2023.4 8 Financial Planning and Consulting Services Financial Planning Services We provide you with financial planning services that include a review of your financial situation and a written report based on an evaluation and analysis of information you provide. This information normally would cover a review of your personal financial situation, including but not limited to present and future cash flow, financial goals, objectives, risk tolerance and time horizon. Financial Consulting Services In addition to financial planning, we can provide you with consultation on various financial topics to address your specific needs and objectives. Your Advisory Representative will analyze your current financial situation and goals and present strategies and recommendations to help you attain those goals. Consulting services, while similar to traditional financial planning, provide you with several distinct services which are listed below:
• Budget Planning
• Business Financial Planning
• Cash Flow Analysis
• Debt Management
• Education Planning
• Estate, Legacy or Multigenerational Planning
• Family Financial Planning
• Life Transition Planning
• Major Purchase Planning
• Philanthropic/Charitable Planning
• Special Needs Planning Consulting services can be narrow in scope and do not always take into consideration all areas of a client’s financial situation. Consulting services provided should not be construed as investment advice. When financial planning and consulting services are offered for a fee, the services are provided pursuant to a separate agreement for a negotiated fee agreed upon in that agreement. We are not qualified to, and do not render legal, tax or accounting advice or prepare any legal documents for you unless our Advisory Representative is duly licensed as an attorney or accountant in your state of residence. Your personal attorney will be solely responsible for providing legal advice, legal opinions, legal determinations and legal documents. Your personal tax adviser or accountant will be solely responsible for any tax or accounting services provided to you. Osaic Wealth, Inc. IA Brochure – 2023.4 9 If you receive Financial Planning and Consulting services, and pursuant to a plan or consultation, you purchase securities or insurance products offered through us, your Advisory Representatives typically receive commissions as Registered Representatives of Osaic Wealth or insurance agents in connection with such transactions. Thus, in these circumstances Advisory Representatives will have a conflict of interest when providing these services because they will likely receive additional compensation if you choose to execute transactions through them in this capacity. The Advisory Representative and Osaic Wealth will also be additionally compensated if you choose to implement recommendations by retaining the Advisory Representative to provide other investment advisory products or services. You are under no obligation to purchase products or services recommended by us or our Advisory Representatives. Retirement Plan Consulting Services The Firm offers retirement consulting services to employee benefit plans (collectively, “Plans”) and their fiduciaries. The services are designed to assist the plan sponsor (the “Company”) in meeting its management and fiduciary obligations to the Plan under the Employee Retirement Income Security Act (“ERISA”). Retirement consulting services are provided pursuant to a retirement plan consulting services agreement, and will consist of general or specific advice, that includes services other than investment advisory services. Retirement plan consulting services include one or more of the following: 1. Plan Set Up: Your Advisory Representative will assist you with the initial set up of a new Plan on a record-keeping platform. 2. Plan Conversion: Your Advisory Representative will assist you with converting a Plan from an existing record-keeping platform to a new record-keeping platform. 3. Recommend and monitor investment options: Your Advisory Representative will assist you by periodically reviewing (at least annually) the investment options of the Plan’s investment menu and, when warranted,

recommend possible change in investment option(s). 4. Plan Performance Review: Your Advisory Representative will assist you by conducting a periodic review (at least annually) to assist you with determining whether the terms of the Plan and the design are meeting your needs and those of the Plan’s participants. 5. Benchmarking of the platform, fees and services: Your Advisory Representative will assist you by periodically reviewing and benchmarking the Plan’s fees, services and investments. 6. Plan Compliance Review: Your Advisory Representative will conduct a periodic review (at least annually) of specific Plan items as determined by the Plan and advise the Plan whether it is operating in accordance with Plan documents and applicable provisions of ERISA as it relates to the specific items. 7. Participant Education Services: Your Advisory Representative will coordinate and/or conduct periodic investment, enrollment and/or retirement education meetings for Plan participants as determined by the Plan. 8. Self-Directed Brokerage Account (“SDBA”) Education: Your Advisory Representative will, to the extent directed by the Responsible Plan Fiduciary, conduct periodic employee investment education meetings with respect to implementing trades through the SDBA. There is opportunity for the Company to engage us to provide a review of executive benefits, for separate compensation. Osaic Wealth, Inc. IA Brochure – 2023.4 10 We will determine with the Company in advance the scope of services to be performed and the fees for all requested services. Prior to engaging us to provide consulting services, the Company will be required to enter into a written agreement with us setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the relevant fees and fee-paying arrangements. The services outlined above that we provide are explained in more detail in the written agreement. We will also provide additional disclosures about our services and fees, where required by ERISA. When we perform the agreed upon services, we will not be required to verify the accuracy or consistency of any information received from the Company. We will serve in a non-discretionary ERISA fiduciary capacity with respect to some but not all of the services that we provide which will be further explained in the written agreement we sign with the Company. The Company is always free to seek independent advice about the appropriateness of any recommendations made by us. The agreement we sign with the Company includes the disclosures required of Advisory Representative under Section 408(b)(2) of ERISA, in particular, (i) the services to be provided by Advisory Representative, (ii) the extent to which Advisory Representative is acting as a fiduciary, (iii) the compensation to be received by Advisory Representative, and the manner of receipt of that compensation, and (iv) any fees payable on termination of the agreement. Advisory Representative receives no indirect compensation in respect of the services provided pursuant to the agreement. We retain a portion of the compensation described in the agreement for our services in connection with the agreement, the amount of which varies with our arrangement with each Advisory Representative. Pursuant to the agreement, Advisory Representative neither provides recordkeeping services nor makes available any designated investment alternative for the plan nor advises any investment contract, fund or entity in which the plan has a direct equity investment, and no disclosures under Section 408(b)(2) are thus required to be provided in respect of those matters. Our Fiduciary Acknowledgement When the Firm and your financial professional provide “investment advice” within the meaning of Title 1 of the Employee Retirement Income Security Act and/or the Internal Revenue Code (“Retirement Laws”) to you regarding your retirement plan account or individual retirement account (“Retirement Account(s)”), we are fiduciaries under the Retirement Laws with respect to such investment advice. The way we make money creates certain 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 these requirements, when providing certain investment recommendations, we must:
• Meet a professional standard of care (give prudent advice);
• Not put our financial interests ahead of yours;
• Avoid misleading statements about our 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 what is reasonable for our services; and
• Give you basic information about our conflicts of interest. Osaic Wealth, Inc. IA Brochure – 2023.4 11 Rollovers and Transfers from an Employer Sponsored Plan We may provide (1) general information and education to you about the factors to consider when deciding whether to move retirement assets to the Firm, or (2) a recommendation that you roll or transfer assets out of an employer sponsored plan to the Firm. If we provide you with a recommendation to roll assets out of an employer plan, you understand and agree that our analysis of the costs and services of your retirement plan, as compared to the costs and services the Firm provides, depends on the information you provide to us (or in certain circumstances, information we obtain from third parties about the plan (or similar types of plans)). You are responsible for updating us promptly if your investment objectives, risk tolerance, and financial circumstances change. Transfer of Individual Retirement Account (“IRA”) to IRA If your financial professional makes a recommendation that you move assets from an IRA at another financial institution to the Firm, he or she is required to consider, based on the information you provide, whether you will be giving up certain investment-related benefits at the other financial institution, such as the effects of breakpoints or rights of accumulation, and has determined that the recommendation is in your best interest because (1) greater services and/or other benefits (including asset consolidation and holistic advice and planning) can be achieved with the Firm IRA; and (2) the costs associated with the Firm IRA are justified by these services and benefits. Limitations to our Acknowledgment of Fiduciary Status This acknowledgment of status under the Retirement Laws does not create or expand any “fiduciary” relationship, capacity or obligations of the Firm and your financial professional under any federal or state laws, other than the Retirement Laws. There are many communications and recommendations that are not considered to be fiduciary “investment advice” under the Retirement Laws (which are subject to change). For additional information please refer to our Fiduciary Acknowledgement available at osaic.com/disclosures. Our Material Conflicts of Interest Our material conflicts of interest are described in this brochure. Investment advisory, financial planning, or retirement service recommendations as described above may pose a conflict between the interests of the Firm and the interests of clients. For example, a recommendation to engage the Firm for investment advisory services or to increase the level of investment assets with the Firm, including through rollovers or other transfers of retirement plan accounts or IRAs, would pose a conflict, as it would increase the advisory fees paid to the Firm. You are not obligated to implement any recommendations made by the Firm or maintain an ongoing relationship with the Firm. If a client elects to act on any of the recommendations made by the Firm, the client is under no obligation to execute the transaction through the Firm. Certain of our Advisory Representatives, in addition to being investment adviser representatives of the Firm, may also be registered representatives of Osaic Wealth. We encourage you to review the Osaic Wealth, Inc. Broker- Dealer Firm Brochure located at osaic.com/disclosures which describes the material conflicts of interest associated with those brokerage services. Osaic Wealth, Inc. IA Brochure – 2023.4 12 Advisory Services vs. Brokerage Services In most cases, the total compensation that our Firm receives for providing investment advisory services is more than it receives for providing brokerage services. Also, the advisory fees you would pay to us in an investment advisory account do not decrease even where the level of investment trading activity in your advisory account is low. Both our Firm and our individual Advisory Representatives typically make more money if you choose an advisory account over a brokerage account with the Firm. Thus, we have a financial incentive to encourage you to select an advisory account over a brokerage account with the Firm. Rollovers and Account Type Changes Regardless of the investments and services you select, the Firm will make more money if you roll over assets from a retirement plan or IRA for which we do not provide services, to a retirement plan or IRA for which we do provide services, whether the rollover is from (1) a plan to an IRA, (2) an IRA to an IRA, (3) a plan to another plan, or (4) an IRA to a plan (as those terms are described above). As noted above, Advisory Representatives are typically compensated in part based on the total advisory fee and commission revenues they generate for our Firm. Therefore, both our Firm and Advisory Representatives have financial incentives to recommend plan and/or IRA rollovers to plans and IRAs serviced by us. You are under no obligation, contractually or otherwise, to complete the rollover. Furthermore, if you do complete the rollover, you are under no obligation to have the assets in an IRA managed by us. Some of Advisory Representatives are not licensed to provide brokerage services (i.e., through Osaic Wealth or otherwise) at all. Thus, our Firm and such Advisory Representatives often have additional incentives to recommend that clients roll over or transfer (or otherwise convert) brokerage accounts held at other financial institutions (which may be IRAs, retirement plan accounts or otherwise types of brokerage accounts) to advisory accounts with our Firm. Other Services In addition to the retirement plan consulting services referenced above, some clients may be allowed to maintain current retirement plan consulting services that were previously offered. Please refer to the Retirement Plan Consulting Services Agreement for the initial service chosen for your account. Alternative Investments and CAIS The Firm has contracted with CAIS Capital, LLC and Capital Integration Systems LLC (collectively “CAIS”) and has granted Advisory Representatives access to the CAIS alternative investment platforms. CAIS and its affiliates conduct the initial and on-going due diligence (investment and operational) on private equity and hedge fund offerings available on their platform. The Firm relies on the due diligence provided by CAIS related to the offerings available on the platform. Only Firm-approved alternative investment are available on the CAIS platform. Our agreement with CAIS provides for a payment to us of up to 10 basis points (.10%) on the sale amount of alternative investment products sold through the CAIS platform to our clients. CAIS also pays a fee to attend our Firm’s conferences for our Advisory Representatives. Please note that with privately held alternatives valuations can lag a month or more and are received from the issuer’s or offerings’ third-party administrator. The fee billing calculation uses this data to calculate the Program Fee (as defined below in Item 5 Fees and Compensation). Please refer to Item 5 Fees and Compensation for additional information on fee calculation. Osaic Wealth, Inc. IA Brochure – 2023.4 13 Seminars Our Advisory Representatives are permitted to hold investment-related seminars and/or educational events to existing clients, prospective clients, and the general investing public. The seminars feature general investment-related advice for educational purposes and can include both securities and non-securities topics. No specific individualized investment advice regarding investment objectives or investment related needs of the attendees, listeners, or audience is rendered during seminars. However, participants are free to schedule meetings with the Advisory Representative(s) in an effort to obtain personalized investment advice. Seminars are provided at either no cost or for a fee charged to participants (i.e., to help cover expenses incurred in presenting the seminar). If fees are charged, all fees and payment provisions are fully disclosed prior to the seminar being presented. Lending Services Securities Backed Line of Credit (SBLOC) / Non-Purpose Loans The Firm offers you SBLOCs offered through participating third-party banks and our clearing brokers. SBLOCs are loans whereby an investor borrows against the assets in his or her investment portfolio without having to liquidate these securities. These loans require monthly interest-only payments, and the loan remains outstanding until it is re-paid. SBLOCs are non-purpose loans, which means the loan proceeds can be used for purposes other than to purchase or trade securities. An SBLOC allows you the opportunity to avoid potential capital gains taxes because you don’t have to liquidate securities for access to funds. You might also be able to continue to receive the benefits of your holdings, like dividends, interest and appreciation. However, as with virtually every financial product, SBLOCs have risks and downsides. For instance, if the value of the securities you pledge as collateral decreases, you may need to come up with extra money fast, or your positions could be liquidated. The Firm receives Third-Party compensation from participants banks and clearing brokers based on a markup on the interest in amounts of up to 175 basis points (1.75%) charged on the amount of the outstanding loans. The compensation varies depending on the participant bank or clearing broker that you select to provide your loan. This compensation is a conflict of interest because the Firm has a financial incentive for the client to select a lender that pays compensation to the Firm over one that does not, and an incentive for the client to maintain outstanding loans through the program. However, the Firm does not share this compensation with its Advisory Representatives. The Firm and its Advisory Representatives interests in continuing to receive investment advisory fees is an incentive to recommend that clients borrow money rather than liquidating some of their assets managed by the Firm, when it could be in a client’s best interest to sell such assets instead of using them as collateral for a loan. The Firm maintains policies and procedures to ensure recommendations made to you are in your best interest and in conjunction with the lack of compensation to your Advisory Representative, believes this mitigates any conflict to the Firm. Prior to establishing a SBLOC, you should carefully review the disclosure form provided by the Firm. Osaic Wealth, Inc. IA Brochure – 2023.4 14 Margin Loans As a broker-dealer, Osaic Wealth can arrange for its clearing broker to loan you money against the value of certain stocks, bonds and mutual funds that are held in your account at that clearing broker. That borrowed money is called a margin loan and can be used to purchase additional securities. Margin loans are not available in retirement or custodial accounts. There’s no set repayment schedule with a margin loan— monthly interest charges accrue to the account, and the borrower has the option to repay the principal at their convenience, subject to margin calls as discussed below. Margin loans can be profitable when securities in an account increase in value and the increase in value exceeds the interest you pay on the margin loan. However, the magnifying effect works the other way as well. The marginable investments in the portfolio provide the collateral for the margin loan. While the value of that collateral fluctuates according to the market, the amount borrowed stays the same. If the value of the margined securities decline to the point where they no longer meet the minimum equity requirements for the margin loan, there will be a margin call. When this happens, Osaic Wealth or its clearing broker will ask that more cash or marginable securities be deposited into the account to meet the minimum equity requirement or they may sell securities in the account as needed. Please remember:
• Margin loans increase an account’s level of market risk;
• Osaic Wealth or its clearing broker may initiate the sale of any security in the account without contacting the account owner, to meet the margin call; and
• Account owners are not entitled to an extension of time on a margin call. The Firm has a conflict of interest in recommending to you a margin loan because Osaic Wealth (in its capacity as a broker-dealer) receives a markup on the interest charged on the loan. Such markups on margin interest range up to a maximum markup of 300 basis points (3.00%) above the clearing broker’s base lending rate. Your Advisory Representative is not compensated on margin loan balances and therefore does not have a conflict of interest in recommending the use of margin. Consequently, the Firm’s conflict of interest to you is mitigated since your Advisory Representative does not receive additional compensation for recommending to you the use of margin. The Firm maintains policies and procedures to ensure recommendations made to you are in your best interest and in conjunction with the lack of compensation to your Advisory Representative, believe this mitigates any conflict to Osaic Wealth. Please refer to your margin agreement for additional details regarding your margin loan. Please also refer to the Client Fee Disclosure - Pershing Clearing and Client Fee Disclosure - NFS Clearing located at osaic.com/disclosures to find additional details regarding your margin loan fees. Osaic Wealth, Inc. IA Brochure – 2023.4 15