Frequently Asked Questions

A person can utilize an investment advisory service only if the person has the resources for making investments. If the person has the resources, the person's investments will ultimately depend on discipline to save and invest those resources instead of spending them. A person with savings to invest should consider some of the advantages of money management by a robo-advisory service and different kinds of investment advisers, and should consider other alternatives such as working with a broker.

In our case, we are a robo-adviser, offering U.S. residents at least 18 years of age the opportunity to conveniently invest in a diversified portfolio of ETFs which are suited to their goals and circumstances. Funds are held in separately managed accounts that are invested in a portfolio customized for the client's goals with balance and diversification across sectors and numerous individual positions in ETFs which are also themselves diversified securities.

Wealthdoor Invest allows accounts to be opened with no minimum investment amount and no limit on the investment amount. We make investment decisions and place all trade orders on each client's behalf. We have made arrangements with a broker that we use for all trades, and the broker offers commission-free trading for the most part, although clients' accounts are charged the required regulatory fees.

Robo-advisory services are fully-automated. Humans will not interview you or discuss investments with you. Our robo-advisory services could provide a convenient means to invest funds for a particular goal. Our fee is a simple fixed amount of $10 to open an account, a minimum of $10 per month regardless of the account size. Accounts of $10,000 or more are charged an asset-based fee of 1/12th of one percent (1%) of average account value as of market close over that month.

If you have money you want to invest, want a diversified customized portfolio of investments suitable for you, built by our app, and if you can afford to pay the account fee and costs, our robo-advisory services may be an attractive choice for you. Some reasons to consider:

• Convenience: You will have convenient, instant portfolio access through your smartphone or tablet.
• Affordability: Our monthly fees of $10 or 1/12th of one percent of average account value, whichever is larger, may be attractive compared to typical charges of some traditional financial advisors.
• No Minimum: We have no account minimums, meaning you can start investing with a small amount of money.
• Automated & Hands-Off Investing: We streamline the investing process. You would typically answer a few questions, and the algorithm will build and manage a diversified portfolio for you.
• Time-Saving: The robo-adviser automatically handles investment research and portfolio monitoring.
• Emotion-Free Investing: Robo-advisers do not panic during market downturns or chase hot trends.
• Diversification: Our robo-adviser builds well-diversified portfolios using low-cost Exchange Traded Funds (ETFs).
• Rebalancing: We automatically rebalance portfolios in a tax-efficient and cost-effective way.

We build portfolios limited to exchange traded funds (ETFs) traded on U.S. stock exchanges. We choose ETFs and compose and periodically rebalance a suitable and diversified portfolio through sophisticated algorithms and an automated, data-driven approach.

Our robo-advisory services are fully-automated. The app asks you questions through an online form. Your input and your articulated goal create your customized profile. Your profile determines whether the target allocation of the portfolio will be oriented toward high or low volatility (i.e., toward high-growth or asset preservation). All portfolios are allocated across asset classes (e.g., equities, fixed-income, cash equivalents). Allocations are diversified using modern portfolio theory. Furthermore most all ETFs have multiple holdings diversified across securities of various issuers.

Portfolios are rebalanced periodically if the allocations have drifted away from the target allocations or to utilize funds added or received. To restore the target allocations in a rebalancing, our software allocates funds first to purchasing securities to achieve the client's target allocations. If funds are unavailable for rebalancing, we prioritize sales of portfolio securities that result in tax-loss harvesting. Our software infrastructure is designed to determine whether a sale or a purchase would trigger the wash sales rules, and if so avoid placing the order for that trade.

We automatically inform you through the app how well each portfolio in your account is progressing toward its stated goal. Our custodian prepares the quarterly account statements we post in your account on the app. We rebalance portfolios on a periodic basis, in a cost-effective, tax-efficient manner, not more often than quarterly, if the portfolio has drifted from the target allocation or you have invested additional funds.

Our business model minimizes or eliminates common conflicts. We receive the fee you pay for the advisory services we provide you. Your fee is a fixed amount per account, independent of the amount of trading that takes place in the account, and independent of the amount you invest with us or account size. We do not have any proprietary investment products. We will neither buy any securities from your account nor sell any securities to your account. We do not and will not receive any compensation for selling any securities to or for you or buying any securities from or for you. We do not receive any revenue or profit sharing from any third parties for buying or selling investments on your behalf. We do not receive compensation for directing your orders to a particular broker. We believe our clients pay lower brokerage fees on account of our foregoing such compensation. We make all our money from the fixed subscription fees we receive from clients.

However our interests may conflict with your interests in other respects. For instance:

• Our robo-advisor does not cover all critical aspects of financial life (e.g., outside assets, complex tax situations, estate planning, or budgeting). You may need to consult other financial professionals who can address your needs that our robo-adviser does not satisfy.
• Other firms may provide a wider array of investment choices.
• Other firms may provide human advisers in addition to robo-advisory services.

Here is the exact breakdown of how we charge for our services:

Your Investment: If you deposit $10,000, the full $10,000 is invested in your chosen strategy.

Our Advisory Fee: • Under $10,000 AUA: You pay a flat fee of $10.00 per month. • At $10,000 AUA and above: The flat fee is discontinued. You are charged a monthly fee of 1/12 of 1% based on the average daily closing value of your portfolio.

Example for a $10,000 Account: For an account with an average daily value of exactly $10,000, your monthly fee would be $8.33.

Our business model minimizes or eliminates common conflicts. We receive the fee you pay for the advisory services we provide you. Your fee is a fixed amount per account, independent of the amount of trading that takes place in the account, and independent of the amount you invest with us or account size. We do not have any proprietary investment products. We will neither buy any securities from your account nor sell any securities to your account. We do not receive any revenue or profit sharing from any third parties for buying or selling investments on your behalf. We do not receive compensation for directing your orders to a particular broker. We make all our money from the fixed subscription fees we receive from clients.

However our interests may conflict with your interests in other respects. We must tell you about them in a way you can understand, so that you can decide whether or not to agree to them. For instance:

• Our robo-advisor does not cover all critical aspects of financial life (e.g., outside assets, complex tax situations, estate planning, or budgeting). You may need to consult other financial professionals who can address your needs that our robo-adviser does not satisfy.
• Other firms may provide a wider array of investment choices.
• Other firms may provide human advisers in addition to robo-advisory services.

No, we absolutely do not. We have not had any history of disciplinary action concerning either the firm or any of our financial professionals.

As an automated investment advisory service, we do not assign a 'primary contact person' to your account in the traditional sense. Our advisory services are delivered through our online platform. Our human support team does not provide investment advice. However, we provide various ways for you to get technical assistance to help you access and use our Platform.

Our comprehensive online support center at wealthdoorinvest.com/clientinfo provides detailed answers to common questions, including how our services work, managing your account, and addressing any concerns. You can send us secure messages through the app, and our support team will respond promptly. You may reach our support team also via email at support@nestvst.com.

If you could open a typical brokerage account and trade with a live broker, when the broker-dealer buys or sells an investment for you, you will pay a transaction-based fee, generally referred to as a commission, in addition to required regulatory fees. If the broker-dealer provides a portal for automated trading by the investor, you typically will trade commission free, and pay only the required regulatory fees.

With a broker-dealer, you may select investments or the broker-dealer may recommend investments for your account, but the ultimate decision for your investment strategy and the purchase and sale of investments will be yours. A broker-dealer must act in your best interest and not place its interests ahead of yours when the broker-dealer recommends an investment or an investment strategy involving securities.

Unless you and the broker-dealer agree otherwise, the broker-dealer is not required to monitor your portfolio or investments on an ongoing basis. If you were to pay a transaction-based fee in a brokerage account, the more trades in your account, the more fees the broker-dealer charges you. So a broker has an incentive to encourage you to trade often.

You may prefer paying a fixed subscription fee for our robo-advisory service if you want a diversified and balanced portfolio from an unbiased source without paying commissions and without much personal effort. We provide periodic rebalancing. You may prefer to use a live broker instead if you wish to discuss investments before you make them and are willing to pay commission, or an online broker if you wish to invest solely on your own behalf commission free.

We are held to a fiduciary standard that covers our entire investment advisory relationship with you. For example, we are required to monitor your portfolio, investment strategy and investments on an ongoing basis. We also must abide by all applicable laws and regulations in our interactions with you.

We encourage you to seek out additional information. Visit Investor.gov for a free and simple search tool to research our firm and our financial professionals. If you have a problem with your investments, investment account or a financial professional, contact us in writing at 14090 Southwest Fwy, Suite 300, Sugar Land, TX 77478 or by emailing us at info@wealthdoorinvest.com.

For additional information on our investment advisory services, see our Form ADV Brochure and brochure supplements at nestvst.com/ADVbrochure. The brochure is also available on adviserinfo.sec.gov or by emailing us at info@nestvst.com. For additional information about how we provide investment advisory services, see our current Form ADV Client Relationship summary at nestvst.com/ADVCRS. The summary is also available on adviserinfo.sec.gov or by emailing us at info@nestvst.com.