Newcorp Financial Services Inc

Types of Clients

NWM offers investment advisory services to individuals and corporations. There is no minimum
account size to open and maintain an advisory account.

Form ADV, Part 2A, Item 8

NWM’s methods of analysis and investment strategies incorporate the client’s needs and
investment objectives, time horizon, and risk tolerance. NWM is not bound to a specific
investment strategy for the management of investment portfolios, but rather consider the risk
tolerance levels pre-determined gathered at the account opening, as well as on an on-going basis.
Examples of methodologies that our investment strategies may incorporate include:

Asset Allocation – Asset Allocation is a broad term used to define the process of selecting a mix
of asset classes and the efficient allocation of capital to those assets by matching rates of return
to a specified and quantifiable tolerance for risk.

Dollar-Cost Averaging – Dollar-cost averaging is the technique of buying a fixed dollar amount
of securities at regularly scheduled intervals, regardless of the price per share. This will
gradually, over time, decrease the average share price of the security. Dollar-cost averaging
lessens the risk of investing a large amount in a single investment at the wrong time.

Technical Analysis – involves studying past price patterns and trends in the financial markets to
predict the direction of both the overall market and specific stocks.

Long-Term Purchases – securities purchased with the expectation that the value of those
securities will grow over a relatively long period of time, generally greater than one year.

Short-Term Purchases – securities purchased with the expectation that they will be sold within a
relatively short period of time, generally less than one year, to take advantage of the securities’
short-term price fluctuations.

Our strategies and investments may have unique and significant tax implications. Regardless of
your account size or other factors, we strongly recommend that you continuously consult with a
tax professional prior to and throughout the investing of your assets.

Investing in securities involves risk of loss that clients should be prepared to bear. Although we
manage your portfolio with strategies and in a manner consistent with your risk tolerances, there
can be no guarantee that our efforts will be successful. You should be prepared to bear the risk
of loss.

All investments involve the risk of loss, including (among other things) loss of principal, a
reduction in earnings (including interest, dividends, and other distributions), and the loss of

future earnings. These risks include market risk, interest rate risk, issuer risk, and general
economic risk. Regardless of the methods of analysis or strategies suggested for your particular
investment goals, you should carefully consider these risks, as they all bear risks.

Form ADV, Part 2A, Item 9

                                                  Information

NewCorp Wealth Management or its Principal Executive Officers have not had any reportable
disclosable events in the past ten years.

Form ADV, Part 2A, Item 10

Representatives of NWM may be licensed insurance agents and, in that separate capacity, may
recommend or sell insurance products to clients. When insurance products are purchased, the
supervised person receives commissions or other compensation from the insurance company. These
commissions are paid in addition to the advisory fees clients pay to NWM and are not offset against or
credited toward advisory fees. The receipt of insurance-related compensation creates a conflict of
interest, as it provides an incentive to recommend insurance products based on the compensation
received rather than solely on a client’s needs. To mitigate this potential conflict, our firm will act
in the client’s best interest.

NWM is not registered, nor does it have an application pending to register, as a broker-dealer,
futures commission merchant, commodity pool operator, commodity trading advisor, or an
associated person of the foregoing entities.

NWM does not recommend or select other investment advisers for clients. Our firm does not
directly or indirectly receive compensation for the recommendation or selection of other
investment advisers.

NWM does not engage in principal transactions with clients.

Form ADV, Part 2A, Item 11

                                      Personal Trading

NWM’s Code of Ethics includes guidelines for professional standards of conduct for our
Associated Persons. Our goal is to protect client interests at all times and to demonstrate our
commitment to fiduciary duties of honesty, good faith, and fair dealing. All of NWM’s
Associated Persons are expected to strictly adhere to these guidelines. Persons associated with
NewCorp Wealth Management are also required to report any violations to the Code of Ethics.
Additionally, the firm maintains and enforces written policies reasonably designed to prevent the
misuse or dissemination of material, non-public information about our clients or client accounts

by persons associated with our firm.

NWM and its employees may buy or sell securities that are also held by clients. It is the expressed
policy of the advisor that no person employed by our firm purchase or sell any security prior to the
transaction being implemented for an advisory account; therefore, preventing such employees
from benefiting from transactions placed on behalf of the advisory clients.
The advisor may have an interest or position in a certain security, which may also be recommended
to the client. As these situations may present a conflict of interest, the advisor has established the
following restrictions in order to ensure its fiduciary responsibilities:

   1. A director, officer or employee of the advisor shall not buy or sell a security for their
      personal portfolio(s) where their decision is substantially derived, in whole or part, by
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