FLUVIUS

FLUVIUS STRATEGY — IMPORTANT DISCLOSURES

Fluvius is a proprietary systematic investment strategy managed by Strong Wealth, a registered investment adviser. Registration with the SEC or any state securities authority does not imply a certain level of skill or training, nor does it constitute an endorsement of the firm or the strategy by any regulatory body.

Strategy Description & Risks. Fluvius employs a systematic, rules-based approach utilizing trend-following and momentum signals across three primary asset class sleeves: digital assets (including Bitcoin), commodities, and equities. The strategy incorporates a volatility-based allocation framework designed to shift exposures in response to changing market conditions. Systematic strategies, including those based on trend and momentum signals, are subject to significant risks. There is no guarantee that the signals, models, or rules employed will correctly identify favorable trends or avoid unfavorable ones. Trend-following strategies may experience extended drawdown periods, particularly in range-bound or rapidly reversing markets, and may underperform static or traditional allocation approaches during such periods.

No Guarantee of Results. Past performance of the Fluvius strategy is not indicative of future results. Investing in the Fluvius strategy involves risk, including the potential loss of principal. No investment strategy or risk management technique can guarantee returns or eliminate risk. The strategy's systematic nature does not remove or reduce the fundamental risks of investing, including market risk, liquidity risk, and the risk of loss. The volatility waterfall mechanism is designed to manage exposure, but it cannot guarantee protection against losses in any market environment.

Performance Disclosure. Performance results shown on this dashboard reflect a single live client account invested in the Fluvius strategy since inception on January 3, 2025. All performance figures, holdings, and benchmarks are presented in U.S. dollars. Results are presented net of a 1% annual advisory fee (applied as a daily drag). No representation is being made that any other account will or is likely to achieve profits or losses similar to those shown. Individual account performance will vary due to differences in account size, timing of contributions and withdrawals, execution prices, fee structures, tax treatment, and other account-specific factors. Intra-sleeve trades are reviewed on the last trading day of each month and implemented on the first trading day of the following month, based on updated signal conditions. Inter-sleeve rebalancing — adjusting the relative weight across Bitcoin, commodity, equity, and bond sleeves — occurs on a quarterly basis. Execution timing, market liquidity, bid/ask spreads, and other factors may cause actual results to differ from the modeled performance shown.

Tax Considerations. The Fluvius strategy's monthly trading activity will typically generate short-term capital gains in taxable accounts, which are taxed at ordinary income rates rather than long-term capital gains rates. This may materially reduce after-tax returns for investors holding the strategy in taxable accounts. Tax-advantaged accounts such as IRAs, Roth IRAs, and 401(k)s are generally better suited to active strategies of this nature. Individual tax situations vary significantly based on account type, tax bracket, state of residence, and other factors. Strong Wealth does not provide tax advice. Clients should consult a qualified tax professional regarding the tax implications of investing in the Fluvius strategy relative to their specific circumstances.

Trading Costs & Liquidity Risk. While the strategy is executed at brokers offering commission-free ETF trading, trading costs exist in the form of bid/ask spreads, market impact, and slippage. Monthly rebalancing generates more frictional costs than buy-and-hold approaches. Some ETFs held by the strategy — particularly niche, thematic, or commodity-linked ETFs — may have lower average daily trading volume than broad-market index ETFs, which can result in wider spreads and greater execution cost, especially during periods of market stress. Liquidity constraints may also limit the size at which the strategy can be efficiently implemented.

Data Sources & Operational Limitations. Market data used for dashboard visualizations and calculations is sourced from third-party providers (including Tiingo). Prices shown on the dashboard may be delayed by up to 15 minutes or more and should not be relied upon for trading decisions. Data errors, delays, API outages, or calculation anomalies may affect the figures displayed. The dashboard is provided on a best-effort basis and its availability, accuracy, and timeliness are not guaranteed. For official account records, holdings, transactions, and performance, clients should refer to custodial statements provided by their account custodian. In the event of any discrepancy between this dashboard and official custodial records, the custodial records shall control.

Asset-Class-Specific Risks. The Fluvius strategy allocates across asset classes that carry distinct and heightened risks. Digital assets, including Bitcoin, are highly volatile, speculative, and subject to regulatory uncertainty, cybersecurity threats, and the potential for total loss. Commodities are subject to price volatility driven by geopolitical events, supply and demand imbalances, weather, and currency fluctuations. Equities, including international and emerging market equities, carry risks related to market conditions, currency exchange rates, political instability, and differing regulatory environments. Concentration in any one sleeve may occur based on signal conditions and may increase overall portfolio risk.

Systematic & Model Risk. The Fluvius strategy relies on quantitative models and systematic rules. All models are simplifications of reality and are based on historical data and assumptions that may not hold in the future. Model risk includes the possibility that the strategy's signals may fail to anticipate changing market conditions, may generate false signals, or may cause the strategy to exit or enter positions at unfavorable times. Past responsiveness of trend and momentum signals to market conditions is not a guarantee of future effectiveness.

Forward-Looking Statements. Any discussion of the macroeconomic thesis underlying the Fluvius strategy, including references to monetary policy, geopolitical trends, fiscal conditions, or market cycles, constitutes the subjective opinion of Strong Wealth's investment team as of the date indicated. These views are forward-looking in nature and are inherently uncertain. Actual economic and market conditions may differ materially from those anticipated. Strong Wealth undertakes no obligation to update these views.

Not Personalized Advice. This material is provided for informational purposes and does not constitute personalized investment advice. Individual client circumstances vary, and the Fluvius strategy may not be suitable for all investors. Clients should consult their individual Investment Policy Statement and speak directly with their advisor regarding suitability, risk tolerance, and financial goals.

Conflicts of Interest. Strong Wealth and its personnel may have financial interests in the performance of the Fluvius strategy. For additional information regarding advisory fees, compensation, and potential conflicts of interest, please refer to Strong Wealth's Form ADV Part 2A, available upon request or at adviserinfo.sec.gov.

Proprietary & Confidential. The Fluvius strategy, including its methodology, signal construction, and allocation framework, is proprietary to Strong Wealth. This material may not be reproduced, distributed, or disclosed to any third party without the prior written consent of Strong Wealth.