Client Relationship Summary

Alinea Advisory Services LLC  |  November 11, 2026

Alinea Advisory Services LLC (“Alinea,” “we,” “our,” or “us”) is registered with the Securities and Exchange Commission as an investment adviser. Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

What investment services and advice can you provide me?

We offer investment advisory services to retail investors through a mobile app, bundled as a single wrap fee program (the “Program”) for a subscription fee, not a fee based on your assets. We do not offer brokerage services. You can use the Program in a taxable account or an individual retirement account (IRA). DriveWealth holds securities and IRAs, and Zero Hash holds crypto. The Program offers:

• Automated Investing: one of four risk-based model portfolios of exchange-traded funds (ETFs), assigned from your questionnaire answers.
• Vibe Investing: you pick a theme and risk preference, and AI builds a portfolio of about 8 to 15 securities. You can edit it, but monthly AI changes may overwrite your edits.
• Playlist Pro: ready-made AI, Thematic, and Copy-Traded playlists, the same for all investors and not matched to your risk tolerance. Copy-Traded playlists mirror publicly reported holdings, which may be delayed.
• Crypto: individual coins or a basket. Availability varies by state, and you cannot sell until your funding transfer clears.

AI builds and changes Vibe, AI, and Thematic portfolios without human review. Our AI assistant, Allie, provides research and feedback. It does not make personalized recommendations, and nothing happens until you confirm it.

USVC (outside the Program). Eligible clients can separately buy shares of the USVC Venture Capital Access Fund through DriveWealth in taxable accounts, not IRAs. It is not our product or covered by the Program fee. It invests mainly in private venture funds and companies, and you may not be able to sell: it buys back limited shares each quarter, if it chooses. We do not recommend, monitor, or manage it.

Monitoring. We monitor your account on an ongoing basis as part of our standard service. On the first Friday of each month, we rebalance (trade back to target) holdings that have drifted more than 3%. Investment authority. For Automated Investing, Vibe, and Playlist Pro, we have discretionary authority to buy, sell, and rebalance without asking you first, until you close your account or the agreement ends. You direct your own purchases of individual stocks and coins.

Limited offerings. We offer a limited menu of securities, funds, and cryptocurrencies, mostly in portfolios we create. Account minimums. There is no minimum to open or keep an account, and you can start with as little as $1. USVC requires $500.

For more information, see Items 4 and 5 of our Wrap Fee Program Brochure (Form ADV Part 2A, Appendix 1) at alinea-invest.com/legal/home and upon request.

Conversation Starters. “Given my financial situation, should I choose an investment advisory service? Why or why not?” “How will you choose investments to recommend to me?” “What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?”

What fees will I pay?

Our principal fee is a flat subscription fee of $120 per year, however much you invest. Some clients are offered $5 to $12 per month, or a one-time $300 payment for the life of the account. The fee is non-negotiable, is billed to your bank account (including for IRAs), and covers advisory services, trade execution, clearing, settlement, and custody of securities. We usually bill a year in advance, which benefits us financially. It may cost you more than paying separately if you trade infrequently, and less if you trade often.

Other fees and costs.

• After you cancel: if you do not move your assets within 30 days, an administrative fee applies: $0 up to $20, $5 per month from $20 to $6,000, and 0.0833% per month (about 1% a year) above $6,000. This rises with your account value.
• Fund expenses: you indirectly pay the fees and expenses of the ETFs you hold.
• Crypto: each trade carries a separate fee built into the price (the spread), shown before you confirm. The Program fee does not cover it.
• USVC: not covered by the Program fee, and we charge no fee on it. There is no commission or sales load, but you indirectly pay annual expenses of 2.50% after a fee waiver that may end (4.55% before), plus the fees of the funds it holds. A 2.00% fee on shares sold within one year is waived for now and can resume.
• Custodian and regulatory fees: our custodians may charge account transfer or wire fees, and regulators’ transaction fees are deducted from sale proceeds.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

For more information, see Item 4 of our Wrap Fee Program Brochure.

Conversation Starters. “Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?”

What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts of interest do you have?

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.

• USVC revenue share: AngelList, USVC’s adviser, pays us 0.40% of USVC assets each year out of the fund’s management fee. You do not pay it separately. We earn more when clients hold USVC, which gives us a reason to make it available.
• Our own portfolios: we create and manage Playlist Pro and Vibe. Our fee is the same whichever you choose, but they benefit our business and brand.
• Referral payments: we pay existing clients $20 for each new client they refer, who also gets $20. Referrers have an incentive to recommend us whether or not we fit the person they refer.
• Required custodians: you must use DriveWealth (securities and IRAs) and Zero Hash (crypto), which may mean less favorable execution or higher costs than elsewhere.

For more information, see Items 4, 6, and 9 of our Wrap Fee Program Brochure.

Conversation Starters. “How might your conflicts of interest affect me, and how will you address them?”

How do your financial professionals make money?

Our advisory services are delivered entirely through our app, not by financial professionals or investment adviser representatives working with you personally. We do not have financial professionals who are compensated based on the products they sell you, sales commissions, or the amount of assets they personally bring in.

Do you or your financial professionals have legal or disciplinary history?

No. Visit Investor.gov/CRS for a free and simple search tool to research us and our financial professionals.

Conversation Starters. “As a financial professional, do you have any disciplinary history? For what type of conduct?”

Additional Information

You can find additional information about our investment advisory services and request a current copy of this relationship summary at alinea-invest.com/legal/home,  by emailing info@alinea-invest.com. Our app has no financial professional for these conversation starters, so our website answers each one at www.alinea-invest.com.

Conversation Starters. “Who is my primary contact person?” “Is he or she a representative of an investment adviser or a broker-dealer?” “Who can I talk to if I have concerns about how this person is treating me?”

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