Advisory services are offered through Principatus Wealth, LLC a DBA of Forefront Advisor Network.

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Forefront Wealth Partners, LLC (“FWP”) is an investment adviser registered with the U.S. Securities and Exchange Commission. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. We may, from time to time, have a position in the securities mentioned and may execute transactions that may not be consistent with this communication’s conclusions. Please contact us at (936) 645-6466 if there is any change in your financial situation, needs, goals or objectives, or if you wish to initiate any restrictions on the management of the account or modify existing restrictions. Additionally, we recommend you compare any account reports from Principatus Wealth with the account statements from your Custodian. Please notify us if you do not receive statements from your Custodian on at least a quarterly basis. Our current disclosure brochures, Form ADV Part 2 and Form ADV Part 3, are available for your review upon request, and on our website, https://forefrontwealthpartners.com. This disclosure brochure, or a summary of material changes made, is also provided to our clients on an annual basis.

Terms of Use

Please read these terms and conditions of use (the “Terms”) carefully before using the Website located at https://principatuswealth.org (the “Website”) or any of the information or services provided by Principatus Wealth in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by Principatus Wealth in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.

Principatus Wealth reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.

Principatus Wealth values our customers’ trust and is committed to the responsible management, use, and protection of the information entrusted to us. The following privacy policy and disclosure outline what nonpublic personal information we collect, how we protect nonpublic personal information, and how we share nonpublic personal information.

Preserving trust is a core value. We recognize that you expect us to protect the information you provide us and to use it responsibly. We are strongly committed to fulfilling the trust that is the foundation of your expectations. For that reason, we have adopted and adhere to the following policy regarding the privacy of your nonpublic personal information and personally identifiable information (collectively “Nonpublic Personal Information”).

INFORMATION THAT WE COLLECT

We may collect Nonpublic Personal Information from you or others, including your name, address, e-mail address, telephone numbers, Social Security Number, other information that permits us to contact or communicate with you, information about your financial situation including your employment or occupation, salary, assets, insurance and investment transactions, banking information, and other financial and tax information you may elect to supply to us.

HOW WE COLLECT INFORMATION

We collect this Nonpublic Personal Information through various sources, including:

• Information we receive from you on new account forms, fact-finding questionnaires, product and service applications, and other forms;

• Information we receive from you, in writing, electronically, through the telephone, or through our website, when you communicate with us or request information about our products and services;

• Your transactions with us, our affiliates, and those affiliated and unaffiliated product sponsors with whom we have selling agreements or other arrangements for the provision of services to you and whose products you own; and

• Consumer reporting agencies.

INFORMATION THAT WE DISCLOSE

As permitted by law and as outlined in this policy, we disclose Nonpublic Personal Information to affiliates and unaffiliated third parties that provide services to us or with whom we have contractual relationships in order that we may carry out your directions and effectively and efficiently service your account. Examples of third parties with whom we may share your Nonpublic Personal Information include:

• Mutual fund companies, insurance companies, and other product sponsors in order to execute your investment and insurance purchases and sales and to allow for the servicing of your accounts;

• Clearing Agencies or other broker/dealers through whom we clear and settle your securities transactions;

• Companies providing account performance and/or reporting services on your accounts;

• Third party asset managers with whom we have relationships for the management of customer accounts;

• Banks and other financial institutions where our Registered Representatives maintain a registered office location and with whom we have arrangements for the marketing and sale of our products and services;

• Companies that provide services to us to assist with the maintenance of required books and records or to facilitate client mailings or publications on our behalf;

• State, Federal, and other regulatory and self-regulatory authorities as required by law or regulation;

• Other companies, associations, agencies, third parties, and institutions that provide services to us in order that we may more effectively and efficiently service your account; and those companies, associations, agencies, third parties, and institutions with which we or our Investment Advisors Representatives are licensees, registrants, or Members; and

• In certain situations, your Investment Advisor Representative when leaving our firm for another firm, as is outlined below. Where we share your Nonpublic Personal Information with third parties for the purposes noted above, we ensure that there are contractual agreements with the third party prohibiting their use and disclosure of that information for any purpose other than to carry out the purposes for which you disclosed the information or that such third party is prohibited by law from further sharing your information (such as regulators). Except under the circumstances outlined above, we will not share Nonpublic Personal Information with affiliated or unaffiliated third parties concerning our current or former customers for marketing purposes or otherwise.

 OUR INVESTMENT ADVISORS REPRESENTATIVES

We recognize that our clients have elected to open accounts with us due to the efforts of our Investment Advisors. Because of the importance of your relationship with your Investment Advisor, if he or she elects to leave our firm for Registered Investment Advisor, we may allow them to take your information with them to the new firm, subject to the requirements or limitations of applicable law. If you do not want your investment advisor to transfer this information from our firm to his or her new firm in order to continue servicing your account in the event he or she decides to leave our firm for another Registered Investment Advisor, please contact us at (512) 617-1984 to opt out of this information sharing.

STEPS WE TAKE TO PROTECT YOUR INFORMATION

We maintain security policies and procedures reasonably designed to prevent unauthorized use or access to your Nonpublic Personal Information. In addition to your Investment Advisor and his or her office, your information is available to employees for various business purposes, such as processing or servicing transactions, and those fulfilling compliance, legal, or audit functions. Our computer systems utilize password protection to prevent access by unauthorized personnel, and we employ other physical, electronic, and procedural safeguards to ensure the protection of your Nonpublic Personal Information in accordance with state and federal privacy regulations.

AMENDMENTS TO OUR PRIVACY POLICY

When we make material amendments to our Privacy Policy we will post an appropriate notice on our website. In addition we may send you an amended version of our Privacy Policy through the mail.

Principatus Wealth often communicates with its clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. Principatus Wealth makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send Principatus Wealth private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery.

Please note: Principatus Wealth does not accept trading or money movement instructions via email.

As a registered investment advisor, Principatus Wealth emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of Forefront Advisor Network or the securities regulators.

If you have received an email from Principatus Wealth in error, we ask that you contact the sender and destroy the email and its contents.

These Terms, Disclosures, and Policies were last updated on October 29, 2025.