Commonwealth Financial Network®

Along with the dedicated services of the Gather Wealth Management team , you will also have the assistance of our back-office partner - Commonwealth Financial Network®.

In 2024, Gather Wealth Management joined forces with Commonwealth Financial Network® due to their impeccable reputation as one of the nation’s leading broker-dealers throughout the financial services industry. Some of the ways Commonwealth Financial Network® sets themselves apart from others in the industry is their 2-to-1 advisor/staff ratio, an average CFN advisor with assets of >100MM, and the security of assets while utilizing National Financial Services, Inc. (NFS) clearinghouse.

Privately held since 1979, the firm has headquarters in Waltham, Massachusetts, and San Diego, California.

Fidelity InstitutionalⓇ (FI)1 provides clearing, custody, and other brokerage services to Commonwealth through National Financial Services LLC (NFS). Like Commonwealth, NFS is an industry leader with a long and stable history of customer service excellence. We have the utmost confidence in the proficiency with which NFS handles every trade, statement, report, and myriad other transactions for millions of clients—and we believe that you can as well.

Both Commonwealth and NFS are members of the Securities Investor Protection Corporation (SIPC), the nonprofit agency whose primary role is to restore investors' funds in the event that the broker/dealer holding their assets fails financially. As an extra measure to safeguard your assets, NFS supplements its SIPC coverage with additional protection for cash and covered securities, together with other insurers, for the highest level of excess SIPC coverage currently available.

NFS is a leading clearing firm and is subject to the rules and regulations of the SEC, the New York Stock Exchange (NYSE), FINRA, and other principal exchanges of which it is a member.

1 Fidelity InstitutionalⓇ is an independent company, unaffiliated with Commonwealth Financial Network (Commonwealth). Fidelity is a service provider to Commonwealth. There is no form of legal partnership agency affiliation, or similar relationship between your financial advisor and Fidelity, nor is such a relationship created or implied by the information herein. Fidelity has not been involved with the preparation of the content supplied by Commonwealth and does not guarantee, or assume any responsibility for, its content. Fidelity Institutional is a registered servicemark of FMR LLC. Fidelity InstitutionalⓇ provides clearing, custody, and other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC. 953385.1.0

We believe that we can deliver substantial benefits from the important service relationship we maintain with NFS. Knowing that every investor's account is being serviced with the commitment and resources of an industry leader allows our advisors to focus on what they do best: provide the personalized guidance and comprehensive investment services you need to reach your goals.

NFS's reputation for delivering quality products and services is made available to you through Commonwealth and your investment professional.

Together with NFS, we offer you these benefits:

• The experience of an industry leader

• Complete investment reporting on one easy-to-read, consolidated statement

• Checkwriting, with detail on the same statement

• Comprehensive tax reporting form (1099) for all investments

• Asset management accounts

• A range of retirement program options, including Premiere Select® IRAs, SIMPLE IRAs, Roth IRAs, Profit-Sharing and Money Purchase Plans, and SEP IRAs

• Thousands of well-known class shares, including Fidelity Investments

Commonwealth and NFS are members of the SIPC, a federal nonprofit corporation that protects customer assets in the unlikely event that a member Registered Investment Adviser–broker/dealer should fail to meet its financial obligations.

As a result, if your Registered Investment Adviser–broker/dealer should fail and NFS fails, cash awaiting reinvestment and all securities held in your account are protected by SIPC coverage up to $500,000 (limited to $250,000 for claims in cash). Coverage does not protect against a decline in the market value of securities.

To supplement its SIPC coverage, NFS has arranged for additional protection for cash and covered securities. This additional protection covers up to an aggregate loss limit of $1 billion for all customer claims, of which $1.9 million may cover cash awaiting reinvestment at the individual account level. There is no per-customer dollar limit on coverage of securities. This is the highest level of excess SIPC coverage currently available. For more details on SIPC, or to request a SIPC brochure, visit www.sipc.org or call 202-371-8300. Neither coverage protects against a decline in the market value of securities.

Commonwealth offers us robust, independent market research and a wide universe of third-party investment options—from individual stocks and bonds to mutual funds, exchange-traded funds, alternative investments, managed accounts, and retirement plans. Our access to Commonwealth's expert, impartial guidance and a diverse range of products helps ensure that we remain free to operate in your best interest and to make recommendations based on your financial objectives, personal investment style, and risk tolerance.

The firm's advisor–to–staff ratio is one of the best in the industry. This means staff members answer our calls promptly, execute transactions quickly and accurately, and, in general, offer our firm the same first–class treatment we strive to give you.

Commonwealth's technology platform is a critical component in our ability to provide you with first–class service and support. Its integrated web–based systems allow us to more efficiently manage your portfolio and your overall financial picture.

Commonwealth is second to none in its commitment to safeguarding your privacy and ensuring that your investment data remains secure. From encryption standards to disaster recovery plans and other measures the firm employs, we are confident that the information our clients entrust us with will remain secure.

Commonwealth's commitment to service does not end with its advisors and their clients. For more than three decades, the firm has been dedicated to serving the communities where its employees and affiliated advisors work, live, and visit. Commonwealth Cares, a 501(c)(3) charity, was formed in 2010 to maximize the impact of those efforts. The foundation's mission is to provide contributions of time, talent, and financial support to a wide range of philanthropic efforts aimed at relieving human suffering, promoting social and economic growth, and sustaining and protecting our planet's resources. That kind of dedication to the greater good is just one more reason we're proud to be affiliated with Commonwealth.