Financial Disclosures

1. Regulatory Disclosures & Firm Registrations

WealthGuard Financial Inc. is registered as a Registered Investment Advisor (RIA) with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisers Act of 1940, as amended. Our Financial Industry Regulatory Authority (FINRA) CRD number is #XXXXXX. We maintain full compliance with the Dodd-Frank Wall Street Reform and Consumer Protection Act and applicable state securities laws.

All advisory communications, marketing materials, and financial recommendations are subject to regulatory review and approval. Records relating to advisory services are maintained in accordance with SEC Rule 204-2 and are available for inspection by authorized regulatory bodies.

2. Fee Structure & Pricing Transparency

WealthGuard operates on a transparent, client-aligned fee model designed to eliminate hidden costs and conflicts inherent in commission-based structures. Our compensation includes:

• Advisory Fees: Tiered monthly subscription fees based on service level (Starter, Professional, Elite), billed in advance or pro-rated monthly. No performance-based fees are charged on managed accounts.
• Transaction Costs: Brokerage execution fees, exchange fees, and bid-ask spreads apply to portfolio trades. These are third-party costs and are not retained by WealthGuard.
• Custodial & Account Fees: Fees charged by our clearing and custodial partners for account maintenance, wire transfers, and account statements. These are passed through at cost.
• Tax & Fiduciary Services: Fixed-fee engagements for specialized tax planning, estate structuring, and fiduciary advisory engagements, quoted upfront before execution.

3. Investment Risk & Performance Disclaimers

Investing involves risk, including the possible loss of principal. Past performance of any investment strategy, asset class, or market index is not indicative of future results. Market conditions, interest rate fluctuations, geopolitical events, and liquidity constraints may impact portfolio values.

WealthGuard does not guarantee investment returns, profit targets, or capital preservation. Performance illustrations provided in client dashboards are for illustrative purposes only and may include assumed hypothetical scenarios. Actual results will vary based on individual risk tolerance, market timing, tax situation, and investment horizon.

All investment recommendations are based on current financial data and market analysis. We advise clients to conduct independent due diligence and consult licensed tax or legal professionals before making significant financial decisions.

4. Conflicts of Interest & Fiduciary Duty

WealthGuard operates as a fiduciary, legally obligated to act in the best financial interest of our clients at all times. We have implemented rigorous compliance protocols to identify, disclose, and mitigate potential conflicts of interest, including:

• Ownership stakes in portfolio companies or affiliated entities
• Software, data, or vendor partnerships that may influence tool recommendations
• Employee investment restrictions and pre-clearance requirements
• Revenue sharing arrangements with custodial or insurance partners

No conflict waivers are granted without client consent. Full conflict disclosures are maintained in our Form ADV Part 2A brochure and are available upon request.

5. Custodial Arrangements & Asset Safeguarding

WealthGuard does not hold, control, or have discretionary access to client cash or securities. All client assets are held at qualified, independent third-party custodians that are members of the Securities Investor Protection Corporation (SIPC). SIPC protection covers up to $500,000 per customer, including $250,000 for cash claims.

We maintain strict trade authorization protocols. All portfolio transactions require electronic or written client consent unless discretionary trading authority has been explicitly granted and documented. Bank accounts are held with FDIC-insured depository institutions.

6. Data Privacy & Security Standards

WealthGuard adheres to strict data governance policies aligned with SOC 2 Type II, GDPR, CCPA, and SEC Regulation S-P. Your financial data is encrypted in transit (TLS 1.3) and at rest (AES-256). We do not sell, rent, or monetize personal financial information to third-party advertisers or data brokers.

Data access is restricted to authorized personnel operating under strict need-to-know protocols. Regular penetration testing, vulnerability assessments, and multi-factor authentication (MFA) are enforced across all client-facing and internal systems.

7. Third-Party Partners & Analytics Providers

Our platform integrates with licensed financial data providers, market analytics engines, and tax optimization software to deliver accurate reporting and insights. While we vet all partners for compliance and reliability, WealthGuard does not guarantee the uninterrupted availability, accuracy, or completeness of third-party data feeds. Service disruptions or data latency may occur due to factors beyond our control.

8. Compliance Department & Client Rights

WealthGuard maintains an independent Compliance & Legal Department responsible for regulatory oversight, audit trails, and client grievance resolution. If you have questions regarding these disclosures, wish to file a complaint, or request a copy of our Form ADV, please contact us:

• Compliance Hotline: 1-800-XXX-XXXX (Mon-Fri, 9AM-6PM ET)
• Email: compliance@wealthguard.com
• Mail: WealthGuard Financial Inc., Attn: Chief Compliance Officer, 100 Financial Plaza, Suite 400, New York, NY 10005