Dynamic ETF Allocations: Q1 2026 Fact Sheet

Fact Sheet as of 3/31/2026.

Dynamic MethodologyDynamic MethodologyHow much of each risk category shifts between risk-on and risk-off assets under each market outlook reading.

The exposure to "Risk-OnRisk-OnPositioned toward assets with higher expected return and higher volatility, such as equities, when market conditions appear favorable." and "Risk-OffRisk-OffPositioned toward assets intended to be more defensive, such as bonds and alternatives, when market conditions appear unfavorable." asset classes are dynamically adjusted based on the market outlook reading derived from AlphaAlphaThe portion of return above or below what the benchmark relationship alone would predict. Positive alpha indicates performance beyond benchmark exposure; negative alpha indicates less. (In this document, Alpha is also the name of our short-term market signal; the context makes clear which is meant.) & Omega in accordance with the following methodology for each risk category:

Enhanced (DETFE)

Morningstar SecID . DETFE-N1 net of a hypothetical 1% fee*; DETFE-N3 net of a hypothetical 3% fee**. BenchmarkBenchmarkThe index or fund a portfolio's results are compared against, chosen to represent the market segment the portfolio invests in.: 80% SPTMSPTMSPDR Portfolio S&P 1500 Composite Stock Market ETF, an exchange-traded fund tracking the S&P Composite 1500 Index of large-, mid-, and small-cap U.S. stocks. Used here as the equity benchmark. / 20% AGGAGGiShares Core U.S. Aggregate Bond ETF, an exchange-traded fund tracking the Bloomberg U.S. Aggregate Bond Index of investment-grade U.S. bonds. Used here as the fixed income benchmark..

Moderate (DETFM)

Morningstar SecID . DETFM-N1 net of a hypothetical 1% fee*; DETFM-N3 net of a hypothetical 3% fee**. BenchmarkBenchmarkThe index or fund a portfolio's results are compared against, chosen to represent the market segment the portfolio invests in.: 60% SPTMSPTMSPDR Portfolio S&P 1500 Composite Stock Market ETF, an exchange-traded fund tracking the S&P Composite 1500 Index of large-, mid-, and small-cap U.S. stocks. Used here as the equity benchmark. / 40% AGGAGGiShares Core U.S. Aggregate Bond ETF, an exchange-traded fund tracking the Bloomberg U.S. Aggregate Bond Index of investment-grade U.S. bonds. Used here as the fixed income benchmark..

Defensive (DETFD)

Morningstar SecID . DETFD-N1 net of a hypothetical 1% fee*; DETFD-N3 net of a hypothetical 3% fee**. BenchmarkBenchmarkThe index or fund a portfolio's results are compared against, chosen to represent the market segment the portfolio invests in.: 40% SPTMSPTMSPDR Portfolio S&P 1500 Composite Stock Market ETF, an exchange-traded fund tracking the S&P Composite 1500 Index of large-, mid-, and small-cap U.S. stocks. Used here as the equity benchmark. / 60% AGGAGGiShares Core U.S. Aggregate Bond ETF, an exchange-traded fund tracking the Bloomberg U.S. Aggregate Bond Index of investment-grade U.S. bonds. Used here as the fixed income benchmark..

Performance data independently verified through 3/31/2026. Past performance is no guarantee of future results. www.asmarterwaytoinvest.com · support@asmarterwaytoinvest.com · (810) 588-6178

Disclosures

*Net performance values and statistics reflect the deduction of model fees of 1% that represents a hypothetical ASWTI asset management fee that would be charged to an investor and may not reflect actual deducted fees.

**Net performance values and statistics reflect the deduction of model fees of 3% that represent the highest possible wrap advisory fee that would be charged to an investor and may not reflect actual deducted fees.

For additional details, definitions, and explanations of certain performance and risk metrics presented in this fact sheet, please contact your Advisor or visit www.ASmarterWaytoInvest.com.

Returns presented for periods less than one year are not annualized.

SPDR® Portfolio S&P 1500® Composite Stock Market ETF (SPTM) seeks to provide investment results that, before fees and expenses, correspond generally to the total return performance of the S&P Composite 1500 Index. Under normal market conditions, the fund generally invests substantially all, but at least 80%, of its total assets in the securities comprising the index. The index is designed to measure the performance of the large-, mid-, and small-capitalization segments of the U.S. equity market. The index consists of those stocks included in the S&P 500 Index, the S&P MidCap 400 Index, and the S&P SmallCap 600 Index.

iShares Core US Aggregate Bond ETF (AGG) seeks to track the investment results of the Bloomberg U.S. Aggregate Bond Index. The index measures the performance of the total U.S. investment-grade bond market. The fund will invest at least 80% of its assets in the component securities of the underlying index and TBAs that have economic characteristics that are substantially identical to the economic characteristics of the component securities of the underlying index, and the fund will invest at least 90% of its assets in fixed income securities of the types included in the underlying index that the advisor believes will help the fund track the underlying index.

Performance and Risk Metrics are based on hypothetical model monthly return data and reflect the reinvestment of all dividends and other income. Performance is presented using the U.S. Dollar currency. Results exclude any impact of cash flows such as contributions or withdrawals, as well cash balances or reserves except those specifically held by the model portfolio. Returns are presented net of a hypothetical 1.00% asset management fee as well as a hypothetical 3% maximum wrap advisory fee that is inclusive of a A Smarter Way to Invest's asset management fees. Potential custodial, trading and administrative expenses are not included, and these hypothetical fees may not reflect actual deducted fees applicable to a client's account. Investment returns will be reduced by advisory fees and other expenses charged in the management of a client's account. Clients should carefully review applicable fees and understand how advisory fees, compounded over a number of years, reduce the value of an investment portfolio, as investment balances and potential gains on the investment balances are reduced by fees. Additional information is provided in the SEC Investors Bulletin "How Fees and Expenses Affect Your Investment Portfolio."

Performance results are considered hypothetical as the results were not actually achieved by any specific investor or client portfolio and do not reflect trading in actual accounts. Hypothetical performance is not an indicator of future or actual results and is not a guarantee or implied guarantee of future performance, returns, profit, or growth. Actual performance may differ significantly from hypothetical performance as a result of client specific circumstances, including but not limited to: deposits and withdrawals, legacy positions and excluded holdings, account size, or cash reserves. General assumptions of hypothetical returns include: dividends and other income are reinvested; trades are executed based on end-of-day security pricing; A Smarter Way to Invest would have been able to purchase the securities recommended by the models and the markets were sufficiently liquid to permit all trading. Changes in these assumptions may have a material impact on the returns presented herein. Certain assumptions have been made for modeling purposes and are likely to differ from actual circumstances. No representations and warranties are made as to the reasonableness of the assumptions.

Monthly performance shown in this fact sheet is includes back-tested returns from the period of 9/30/2009 through 10/17/2025. Live model returns began on 10/18/2025 and thereafter, and are calculated using model trades that occurred in actual accounts. Back-tested and hypothetical performance is not an indicator of future actual results and is not a guarantee or implied guarantee of future performance, returns, profit, or growth. No representation is being made that any account or strategy will or is likely to achieve a performance record similar to the returns presented herein. Actual performance may differ significantly from hypothetical and back-tested performance. The risk of back-tested performance is that the strategy was retroactively applied to historical data with the benefit of hindsight and can be adjusted in order to obtain and show more favorable performance results during the relevant historical time periods. Back-tested results inherently include biases in the results, including but not limited to: hindsight bias, survivorship bias, and look-ahead bias. There is no assurance that the back-tested methodology and assumptions applied by A Smarter Way to Invest have adequately mitigated these biases, and there is no assurance that back-tested results could, or would, have simulated actual client performance during the relevant time periods.

The investment strategy presented by A Smarter Way to Invest, Inc. is based on applying technical trading signals, Alpha and Omega, to the investment portfolio. Alpha and Omega utilize algorithmic techniques such as trend analysis, price-action movements, relative strength, volume, moving averages, and various momentum related strategies for determining the trade signal reading. There is no assurance that these strategies and techniques will yield positive outcomes or prevent losses. Technical trading models are mathematically driven based upon historical data and trends of domestic and foreign market trading activity, including various industry and sector trading statistics within such markets. Technical trading models utilize mathematical algorithms to attempt to identify when markets are likely to increase or decrease and identify appropriate entry and exit points. The primary risk of technical trading models is that historical trends and past performance cannot predict future trends and there is no assurance that the mathematical algorithms employed are designed properly, new data is accurately incorporated, or the software can accurately predict future market, industry and sector performance. The historical signal readings for Alpha and Omega have been back-tested from the period of 12/31/1999 through 9/30/2024 and have been developed with the benefit of hindsight. The risk of back-tested hypothetical results is that an algorithm can be revised or adjusted to obtain favorable performance results during the relevant historical time periods.

Advisory services offered through A Smarter Way to Invest, Inc., 1024 E. Grand River Ave., Brighton, MI 48116, an SEC Registered Investment Advisor. Registration with the SEC does not imply a certain level of skill or expertise. This information is provided for illustrative purposes only and is intended for both educational purposes and to promote interest in the subject matter. It does not address any individual’s specific situation and is not to serve as the basis for any investment decision. Numerical examples, if any, are only illustrative. Investors should thoroughly evaluate financial objectives, goals, and parameters such as risk tolerance with their Advisor before investing. Investment account values will be subject to fluctuation in capital markets. Fiduciary does not guarantee or imply any level of investment performance, superior to the appropriate benchmark, or otherwise. Carefully consider the investment objectives, risk factors, and charges and expenses before investing with A Smarter Way to Invest. This and other information can be found in A Smarter Way to Invest’s Form ADV Part 2A, which can be obtained from your financial advisor, by calling (810) 588-6178 or by visiting www.ASmarterWaytoInvest.com. There are risks involved with investing, including possible loss of principal.

* Net performance values and statistics reflect the deduction of model fees of 1% that represents a hypothetical ASWTI asset management fee that would be charged to an investor and may not reflect actual deducted fees.

** Net performance values and statistics reflect the deduction of model fees of 3% that represent the highest possible wrap advisory fee that would be charged to an investor and may not reflect actual deducted fees.