Disclosures

1. SEC Registration Disclosure

Cabot Wealth Management Inc is registered with the United States Securities and Exchange Commission (SEC) as an investment adviser under the Investment Advisers Act of 1940. Our Central Index Key (CIK) is 1016683. Registration with the SEC does not imply that the SEC has approved or endorsed Cabot Wealth, our services, or our investment products. Registration as an investment adviser merely indicates that we have met the regulatory requirements to conduct business as an investment adviser in the United States.

As an SEC-registered investment adviser, we are subject to the provisions of the Investment Advisers Act of 1940, the rules promulgated thereunder, and the regulations and interpretive releases of the Securities and Exchange Commission. We are examined periodically by the SEC or its designated examination authority to assess our compliance with applicable laws and regulations.

Our principal office is located at 216 Essex St, Salem, MA 01970, USA. We also maintain a branch office at 5th St, Sandown, Sandton, 2031, South Africa. Additional information about our firm is available on the SEC's website at www.sec.gov through the Investment Adviser Public Disclosure (IAPD) system.

2. Form ADV Disclosure

As required by SEC regulations, Cabot Wealth Management Inc files Form ADV with the Securities and Exchange Commission. Form ADV is the uniform registration and disclosure document used by investment advisers and consists of two parts:

Part 1 — Firm Information

Form ADV Part 1 provides information about the adviser's business, ownership, clients, employees, business practices, affiliations, and any disciplinary events. Part 1 is primarily used by regulators for registration and examination purposes and is available through the SEC's Investment Adviser Public Disclosure system at adviserinfo.sec.gov.

Part 2 — Brochure

Form ADV Part 2, also known as the "Brochure," provides a narrative description of the adviser's business practices, fees, services, investment strategies, conflicts of interest, and disciplinary information. This document is designed to help clients and prospective clients make informed decisions about hiring Cabot Wealth as their investment adviser.

We are required to deliver our Brochure to each prospective client before or at the time of entering into an advisory agreement. Existing clients receive a summary of material changes annually, along with an offer to provide the complete updated Brochure. You may request a copy of our current Form ADV Part 2 Brochure at any time by contacting our office at +1 (978) 745-1700 or by email at info@cabotwealthmgtinc.com.

Form ADV Part 3 — Form CRS

In compliance with SEC Rule 204-3, we also provide a Form CRS (Client Relationship Summary), a brief summary of our services, fees, conflicts of interest, and disciplinary history. Form CRS is designed to help retail investors make informed decisions about whether to engage our services. A copy of our Form CRS is available upon request and is also accessible through the SEC's IAPD system.

3. Fiduciary Duty Statement

As an SEC-registered investment adviser, Cabot Wealth Management Inc owes a fiduciary duty to each of its advisory clients. This fiduciary duty is the highest standard of care recognized under the law and requires us to:

• Act in Your Best Interest: We must always place your interests ahead of our own and those of our firm. Every investment recommendation and advisory decision must be made with your financial well-being as the primary consideration.
• Disclose All Material Conflicts: We must disclose all material conflicts of interest that could affect the objectivity of our advice, including any financial incentives we may have that could influence our recommendations.
• Provide Full and Fair Disclosure: We must provide you with all material facts relevant to our advisory relationship, including information about our fees, services, investment strategies, and business practices.
• Seek Best Execution: When we direct the purchase or sale of securities on your behalf, we must seek the most favorable terms reasonably available under the circumstances, considering the full range of brokerage services provided.
• Maintain Confidentiality: We must safeguard your personal and financial information in accordance with our privacy policies and applicable regulations, including SEC Regulation S-P.

Our fiduciary duty is not merely a regulatory obligation — it is the foundation of our firm's culture and values. We take this responsibility seriously and are committed to maintaining the trust our clients place in us.

4. Fee Structure Disclosure

Cabot Wealth Management Inc offers various fee arrangements depending on the type of service provided and the client's individual circumstances. Our fee structures are fully disclosed in our Form ADV Part 2 Brochure. The following is a summary:

Asset-Based Fees

For our investment management services, we charge a fee based on a percentage of the assets under our management. The annual fee is calculated as a percentage of the market value of your account and is typically deducted quarterly in advance from your account. Our standard asset-based fee schedule is as follows:

• First $1,000,000: Up to 1.00% annually
• $1,000,001 to $5,000,000: Up to 0.75% annually
• $5,000,000 and above: Negotiable, typically up to 0.50% annually

The specific fee rate applicable to your account will be set forth in your advisory agreement. Fees may vary based on the complexity of your financial situation, the types of accounts managed, and the services included.

Fixed Fees

For financial planning engagements, we may charge a fixed fee based on the scope and complexity of the planning project. Fixed fees are quoted in advance and are payable as specified in the engagement letter or advisory agreement.

Hourly Fees

For consulting and ad-hoc advisory services, we may charge an hourly rate. Our standard hourly rates range from $250 to $500 per hour, depending on the nature and complexity of the services provided and the seniority of the professional involved.

Other Costs and Expenses

In addition to our advisory fees, you may incur other costs in connection with the management of your account, including but not limited to:

• Custodian fees and account maintenance charges.
• Mutual fund and ETF expense ratios and internal management fees.
• Brokerage commissions and transaction charges (for securities not held at our primary custodian).
• Wire transfer fees, overnight delivery charges, and other administrative costs.
• Tax preparation fees (if we coordinate with your tax preparer).

We do not receive any portion of these third-party fees, and they are separate from and in addition to our advisory fees.

5. Conflicts of Interest

As required by SEC Regulation Best Interest and our fiduciary obligations, we disclose the following potential conflicts of interest that may exist in our advisory relationship:

Fee-Only Compensation

Cabot Wealth Management Inc is a fee-only investment adviser. We do not receive commissions, trailing fees, revenue sharing, or other transaction-based compensation from the sale of investment products. Our compensation is derived solely from the advisory fees paid by our clients. This fee-only model is designed to minimize conflicts of interest by aligning our financial interests with those of our clients — when your portfolio grows, our fee revenue increases proportionally.

Asset-Based Fee and Account Aggregation

Because our investment management fees are based on a percentage of assets under management, we have a financial incentive to encourage you to consolidate assets under our management and to discourage withdrawals. We mitigate this conflict by: (1) recommending account consolidation only when it is in your best interest; (2) providing objective advice on withdrawals and distributions; and (3) including all relevant information in our Form ADV Part 2 Brochure.

Referral Arrangements

From time to time, we may enter into referral arrangements with other professionals (such as attorneys, accountants, or insurance agents) whereby we refer clients to them or they refer clients to us. Unless otherwise disclosed, we do not receive compensation for referrals made to third-party professionals, and we do not pay for referrals received from third parties. Any referral arrangement that involves compensation will be disclosed to you in writing prior to your engagement of the referred professional.

Proprietary Products

We do not offer proprietary investment products. Our investment recommendations are based on publicly available securities and investment vehicles selected through our independent research and due diligence process. We have no financial incentive to recommend any particular investment product over another.

Principal and Agency Cross Transactions

We do not engage in principal transactions (buying securities from or selling securities to you from our own account) or agency cross transactions (acting as broker for both buyer and seller in the same transaction). If this policy changes, we will provide advance written disclosure and obtain your consent as required by the Investment Advisers Act.

6. Custody Disclosure

Cabot Wealth Management Inc does not maintain physical custody of client assets. Your assets are held at qualified custodians, such as Charles Schwab & Co., Fidelity Investments, or other SEC-registered broker-dealers and custodians. We maintain limited trading authority only — we can buy and sell securities on your behalf, but we cannot withdraw funds or securities from your account.

As required by SEC Rule 206(4)-2 (the Custody Rule), our qualified custodians send account statements directly to you at least quarterly. We strongly encourage you to carefully review all custodial statements and compare them with any reports you receive from us. If you notice any discrepancies, please contact us immediately.

Our advisory fees are deducted directly from your custodial account only with your written authorization. Fee deductions appear on your custodial statement, providing an additional layer of transparency and oversight.

Periodically, we may be deemed to have "constructive custody" of client assets if we receive certain types of authority (such as the ability to withdraw fees). In such cases, we comply with all requirements of the Custody Rule, including the engagement of an independent public accountant to conduct a surprise examination of client assets.

7. Performance Reporting Standards

When we present performance data, we adhere to the following standards and disclosures:

Performance Calculation Methodology

• Time-Weighted Returns: Unless otherwise indicated, portfolio performance is calculated using the time-weighted rate of return (TWR) methodology, which eliminates the impact of client-directed cash flows and provides a measure of the advisor's investment management skill.
• Internal Rate of Return: For individual client accounts with significant cash flows, we may also provide the dollar-weighted internal rate of return (IRR), which reflects the actual return experienced by the client based on the timing and magnitude of deposits and withdrawals.
• Net of Fees: Unless explicitly stated otherwise, all performance figures presented are net of our advisory fees but do not reflect the impact of taxes, custodian fees, or other third-party costs.
• Benchmark Comparisons: When we compare portfolio performance to a benchmark, we disclose the specific benchmark used, the time period, and any material differences between the portfolio and the benchmark (such as different asset allocations, cash drag, or fee structures).

Important Performance Disclosures

• Past performance is not indicative of future results. The performance data presented represents historical results only.
• Performance results are presented net of advisory fees, unless otherwise noted. The advisory fee reduces client returns.
• Performance results reflect the reinvestment of dividends and capital gains, where applicable.
• Individual client accounts may experience results that differ from those presented, depending on factors such as account size, timing of contributions and withdrawals, and the specific investment strategy employed.
• Hypothetical or model performance results have inherent limitations and are provided for illustrative purposes only. They do not represent actual trading and may not reflect the impact of material market and economic factors.

8. Material Risks of Investing

All investments involve risk, including the possible loss of principal. Before engaging our services, you should understand the material risks associated with investing, which include but are not limited to:

Market Risk

The value of investments may decline due to broad market movements, economic conditions, geopolitical events, or changes in investor sentiment. Market risk affects all securities and cannot be eliminated through diversification alone.

Interest Rate Risk

Fixed-income securities and bond funds are subject to interest rate risk. When interest rates rise, the value of existing bonds and fixed-income investments typically declines. Longer-duration bonds are generally more sensitive to interest rate changes than shorter-duration bonds.

Credit Risk

Corporate bonds, municipal bonds, and other debt instruments are subject to the risk that the issuer may default on interest payments or principal repayment. Lower-rated securities (high-yield or "junk" bonds) carry higher credit risk than investment-grade securities.

Inflation Risk

The purchasing power of your investments may decline over time if the rate of inflation exceeds the rate of return on your investments. This is particularly relevant for conservative investments such as cash equivalents and short-term bonds.

Liquidity Risk

Certain investments, including alternative investments, private equity, real estate, and restricted securities, may be illiquid or difficult to sell quickly at a fair price. You may not be able to access your investment when needed, or you may be forced to sell at a significant discount.

Currency Risk

Investments denominated in foreign currencies are subject to the risk that changes in exchange rates may reduce the value of your investment when converted back to U.S. dollars. This risk applies to international equity and bond funds, as well as direct investments in foreign securities.

Concentration Risk

Portfolios that are concentrated in a particular sector, industry, geographic region, or asset class may experience greater volatility and potential loss than diversified portfolios. While we generally recommend diversification, certain investment strategies may involve a degree of concentration.

Alternative Investment Risks

Alternative investments — including hedge funds, private equity, venture capital, real estate, and commodities — carry additional risks such as limited transparency, complex fee structures, use of leverage, potential lock-up periods, and less regulatory oversight compared to traditional investments.

9. Business Continuity Plan Disclosure

Cabot Wealth Management Inc has developed a Business Continuity Plan (BCP) to ensure that our firm can continue to operate and serve our clients in the event of a significant business disruption. Our BCP addresses the following scenarios:

• Facility Disruption: In the event that our primary office becomes inaccessible, we have identified alternative work locations and remote work capabilities that enable our team to continue providing advisory services.
• Technology Failure: Our technology infrastructure includes redundant data backups, cloud-based applications, and failover systems designed to minimize downtime in the event of a hardware failure, cyberattack, or natural disaster.
• Key Personnel Unavailability: We have cross-trained our professional staff and documented critical processes to ensure continuity of service in the event that key personnel are unavailable.
• Pandemic or Public Health Emergency: Our BCP includes provisions for remote work, virtual client communications, and alternative operational procedures to maintain service levels during extended public health emergencies.
• Vendor and Third-Party Disruption: We maintain relationships with alternative service providers and custodians to mitigate the impact of a third-party business disruption.

Our BCP is reviewed and tested annually. In the event of a significant business disruption, we will communicate with our clients through email, our website, and telephone to provide updates on our operational status and any changes to how we deliver services.

A summary of our Business Continuity Plan is available upon request. Please contact our Chief Compliance Officer at support@cabotwealthmgtinc.com for more information.

10. Privacy Notice

Cabot Wealth Management Inc is committed to safeguarding your personal and financial information in accordance with SEC Regulation S-P (Standards for Safeguarding Customer Information) and applicable state and international privacy laws. We collect only the information necessary to provide our advisory services and do not sell or share your personal information with unaffiliated third parties for their own marketing purposes.

For a complete description of our information collection, use, sharing, and security practices, please review our Privacy Policy. Key highlights include:

• We collect personal and financial information only as necessary to provide advisory services and comply with regulatory requirements.
• We share your information with third parties only as necessary to service your account (e.g., custodians) or as required by law.
• We implement comprehensive administrative, technical, and physical safeguards to protect your information.
• You have the right to access, correct, and request deletion of your personal information, subject to regulatory retention requirements.

11. Complaint Procedures

We take client complaints seriously and are committed to resolving them promptly and fairly. If you have a complaint regarding our advisory services, please follow these procedures:

Step 1 — Contact Your Advisor

We encourage you to first discuss your concern directly with your dedicated advisor. Many issues can be resolved quickly through direct communication.

Step 2 — Contact Our Compliance Department

If your advisor is unable to resolve your concern, or if you prefer to speak with someone else, please contact our Chief Compliance Officer in writing:

Cabot Wealth Management Inc
Attn: Chief Compliance Officer
216 Essex St, Salem, MA 01970, USA
Email: support@cabotwealthmgtinc.com
Phone: +1 (978) 745-1700

Step 3 — Regulatory Authorities

If your complaint is not resolved to your satisfaction through our internal process, you have the right to file a complaint with the appropriate regulatory authority:

• U.S. Securities and Exchange Commission (SEC): You may file a complaint or tip with the SEC's Division of Enforcement at www.sec.gov/tcr or by calling the SEC's toll-free investor assistance line at (800) 732-0330.
• Massachusetts Securities Division: You may contact the Massachusetts Secretary of the Commonwealth, Securities Division, at www.sec.state.ma.us/sct or by calling (617) 727-3550.
• Financial Industry Regulatory Authority (FINRA): You may use FINRA's BrokerCheck system or file a complaint at www.finra.org/investors/need-help.
• South Africa — Financial Sector Conduct Authority (FSCA): For complaints related to our South Africa operations, you may contact the FSCA at www.fsca.co.za or by calling +27 12 428 8000.

We will acknowledge receipt of your written complaint within five (5) business days and provide a substantive response within thirty (30) business days.

12. FINRA BrokerCheck Notice

FINRA's BrokerCheck is a free online tool that allows investors to research the professional backgrounds of current and former FINRA-registered brokerage firms and brokers, as well as SEC-registered investment adviser firms and individual investment advisers.

BrokerCheck provides information about an investment professional's employment history, licensing status, regulatory actions, customer disputes, and other relevant disclosures. We encourage all prospective clients to use BrokerCheck as part of their due diligence before engaging an investment adviser.

You may access BrokerCheck at brokercheck.finra.org or by calling FINRA's BrokerCheck hotline at (800) 289-9999.

Cabot Wealth Management Inc's BrokerCheck profile is available by searching our firm name or CRD number through the BrokerCheck system.

13. Important Regulatory Links

The following regulatory resources may be helpful for investors seeking additional information about their rights, our obligations, and the regulatory framework governing investment advisory services:

• SEC Investment Adviser Public Disclosure (IAPD): adviserinfo.sec.gov — Search for Cabot Wealth Management Inc's Form ADV and registration details.
• U.S. Securities and Exchange Commission: www.sec.gov — Investor education, regulatory filings, and enforcement actions.
• FINRA BrokerCheck: brokercheck.finra.org — Research the background of investment professionals.
• FINRA Investor Education: www.finra.org/investors — Educational resources and tools for investors.
• Massachusetts Securities Division: www.sec.state.ma.us/sct — State-level securities regulation and investor protection.
• SEC Investor.gov: www.investor.gov — The SEC's resource for individual investors.
• North American Securities Administrators Association (NASAA): www.nasaa.org — Organization of state and provincial securities regulators.
• South Africa Financial Sector Conduct Authority (FSCA): www.fsca.co.za — South African financial services regulator.
• South Africa Information Regulator: www.inforegulator.org.za — South African data protection authority (POPIA).

14. South Africa Branch Regulatory Info (FSCA)

Cabot Wealth Management Inc maintains a branch office at 5th St, Sandown, Sandton, 2031, South Africa. Our South Africa operations are subject to the regulatory oversight of the Financial Sector Conduct Authority (FSCA), the primary market conduct regulator for financial institutions in South Africa.

FSCA Authorization

Our South Africa branch operates in compliance with the Financial Sector Regulation Act (FSR Act) of 2017 and the Financial Advisory and Intermediary Services Act (FAIS Act) of 2002. The FSCA ensures that financial institutions conduct their business with integrity, transparency, and in the best interests of clients.

FAIS Compliance

Under the FAIS Act, our South Africa branch is required to:

• Provide financial services in a manner that is honest, fair, and transparent.
• Ensure that all financial advice given is appropriate to the client's financial situation, needs, and risk profile.
• Disclose all material information, including fees, charges, and potential conflicts of interest.
• Maintain adequate professional indemnity insurance coverage.
• Keep proper records of all financial services rendered and advice provided.
• Operate under a compliance framework overseen by an approved compliance officer.

Protection of Personal Information Act (POPIA)

Our South Africa branch processes personal information in compliance with the Protection of Personal Information Act (POPIA), 2013, which establishes conditions for the lawful processing of personal information. Under POPIA, data subjects have the right to:

• Be informed about the collection and use of their personal information.
• Access their personal information held by us.
• Request the correction or deletion of inaccurate personal information.
• Object to the processing of their personal information in certain circumstances.
• Lodge a complaint with the South African Information Regulator.

South Africa Complaints and Ombud

Clients of our South Africa branch who have complaints that cannot be resolved through our internal process may contact:

• Financial Sector Conduct Authority (FSCA): www.fsca.co.za | Phone: +27 12 428 8000
• Ombud for Financial Services Providers (FAIS Ombud): www.faisombud.co.za | Phone: +27 12 470 9020
• Information Regulator (POPIA): www.inforegulator.org.za

Contact Our South Africa Office

Cabot Wealth Management Inc — South Africa Branch
5th St, Sandown, Sandton, 2031, South Africa
Email: info@cabotwealthmgtinc.com

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Acknowledgment: By engaging the services of Cabot Wealth Management Inc or using our website, you acknowledge that you have read and understood the disclosures contained herein. If you have any questions regarding these disclosures, please contact us at info@cabotwealthmgtinc.com or call +1 (978) 745-1700.

Cabot Wealth Management Inc
216 Essex St, Salem, MA 01970, USA
SEC CIK: 1016683 | Phone: +1 (978) 745-1700
Email: info@cabotwealthmgtinc.com | Support: support@cabotwealthmgtinc.com