This Disclosure document is being offered to you by Ratio Wealth Group LLC (“Ratio Wealth Group” “RWG” or “Firm”) about the investment advisory services we provide. It discloses information about our services and the way those services are made available to you, the client. We are a wealth management firm located in Denver, Colorado. We specialize in investment advisory services for individuals, high net worth individuals, foundations, employer sponsored retirement plans, trusts, and estates. Our Firm became a registered investment adviser in November 2019 and is owned by Derek Scarth and Graham Gerlach. Joshua Freedman is the Chief Compliance Officer. We are committed to helping clients build, manage and preserve their wealth. Our Firm provides services that help clients to achieve their stated financial goals. We will offer an initial, complimentary meeting at our discretion; however, investment advisory services are initiated only after you and Ratio Wealth Group execute an Investment Management Agreement. INVESTMENT AND WEALTH MANAGEMENT AND SUPERVISION SERVICES We manage advisory accounts on a discretionary and non-discretionary basis. For discretionary accounts, once we have created a profile and investment plan with a client, we will execute the day-to-day transactions without seeking prior client consent, but within the expected investment guidelines. Account management is guided by the client’s written profile and investment plan. We may accept accounts with certain restrictions, if circumstances warrant. We primarily allocate client assets among various Exchanged Traded Funds (“ETFs”), cash, bonds, CDs, equities, no-load or load-waived mutual funds, or alternative investments in accordance with clients’ stated investment objectives. During personal discussions and planning meetings, we determine a client’s objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review a client’s prior investment history, as well as family composition and background. Based on client needs, we develop a personal profile and investment plan. We then allocate and manage the client’s investments based on that profile and plan. It is the client’s obligation to notify us immediately if circumstances have changed with respect to their goals. Once we have determined the types of investments to be included in a client’s portfolio and have allocated the assets, we provide ongoing investment review and management services. With our discretionary relationships, we will make changes to the portfolios, as we deem appropriate, to meet clients’ financial objectives and manage risk. We trade these portfolios based on the combination of our market views and each client’s objectives. We tailor our advisory services to meet the needs of each client and seek to ensure that your portfolio is managed in a manner consistent with those needs. Clients have the ability to provide us with standing instructions to avoid investment in particular industries or securities. If a non-discretionary relationship is in place, we will contact you to present recommendations made, and only upon your authorization will any action be taken on your behalf. In all cases, clients have direct ownership of their securities, rather than an undivided interest in a pool of securities. We do have limited authority to direct the Custodian to deduct our investment advisory fees from your accounts, but only with your written authorization. We also have limited authority to act on standing letters of authorization (SLOAs) on your behalf, if these are established according to the custodian’s process and consistent with SEC regulations. MARCH 2024 | PAGE 4 Where appropriate, we will provide advice related to legacy positions held in client portfolios. Sometimes, these are assets that are ineligible to be custodied at our primary custodian. Clients will engage us to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance, annuity contracts, and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). You are advised, and are expected to understand, that our past performance is not a guarantee of future results. Certain market and economic risks exist that adversely affect an account’s performance. This could result in losses in your account. FINANCIAL PLANNING Through the financial planning process, our team strives to engage our clients in conversations around the client’s goals, objectives, priorities, vision, and legacy – both for the near term as well as for future generations. With the unique goals and circumstances of each client in mind, our team will offer financial planning ideas and strategies to address the client’s holistic financial picture, including their estate, income tax, charitable giving, cash flow, wealth transfer, and family legacy objectives. Our team partners with our client’s other advisors (CPAs, Enrolled Agents, Estate Attorneys, Insurance Brokers, etc.) to ensure a coordinated effort of all parties toward the client’s stated goals. Such services include various reports on specific goals and objectives or general investment and/or planning recommendations, guidance on outside assets, and periodic updates. Our specific services in preparing your plan may include:  Review and clarification of your financial goals  Assessment of your overall financial position

including cash flow, personal balance sheet, investment strategy, risk management, and estate planning  Creation of a unique plan for each goal you have, including personal and business real estate, education, retirement or financial independence, charitable giving, estate planning, business succession, and other personal goals  Development of a goal-oriented investment plan, with input from various advisors (accountants, attorneys, tax preparers, etc.) related to tax strategies, asset allocation, expenses, risk, and liquidity factors for each goal. This includes IRAs and qualified plans, taxable, and trust accounts that require special attention A written evaluation of each client's initial situation or Financial Plan is provided to the client. An annual review will be offered by the Advisor, if indicated by the Client and Advisor per the Agreement. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. RETIREMENT PLAN SERVICES For employer-sponsored retirement plans with participant-directed investments, our Firm provides its advisory services as an investment advisor as defined under Section 3(21) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). When serving as an ERISA 3(21) investment advisor, the Plan Sponsor and Our Firm share fiduciary responsibility. The Plan Sponsor retains ultimate decision-making authority for the investments and may accept or reject the recommendations in accordance with the terms of a separate ERISA 3(21) Plan MARCH 2024 | PAGE 5 Sponsor Investment Management Agreement between Our Firm and the Plan Sponsor. Under the 3(21) agreement, Our Firm provides the following services to the Plan Sponsor:  Screen investments and make recommendations  Monitor the investments and suggest replacement investments when appropriate  Assist the plan sponsor in developing an Investment Policy Statement (“IPS”)  Recommend Qualified Default Investment Alternatives (QDIAs)  Recommend non-discretionary model portfolios We can also be engaged to provide Plan Consulting Services. Plan Consulting Services include: financial education to Plan participants, benchmarking the Plan services, education to fiduciary committee members, and monitoring the service provider. The scope of education provided to participants will not constitute “investment advice” within the meaning of ERISA and participant education will relate to general principles for investing and information about the investment options currently in the Plan. We may also participate in initial enrollment meetings and periodic workshops and enrollment meetings for new participants. DISCLOSURE REGARDING ROLLOVER RECOMMENDATIONS We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. 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. A client or prospect leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) rollover to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). Our Firm may recommend an investor roll over plan assets to an IRA for which our Firm provides investment advisory services. As a result, our Firm and its representatives may earn an asset-based fee. In contrast, a recommendation that a client or prospective client leave their plan assets with their previous employer or roll over the assets to a plan sponsored by a new employer will generally result in no compensation to our Firm. Our Firm therefore has an economic incentive to encourage a client to roll plan assets into an IRA that our Firm will manage, which presents a conflict of interest. To mitigate the conflict of interest, there are various factors that our Firm will consider before recommending a rollover, including but not limited to: (i) the investment options available in the plan versus the investment options available in an IRA, (ii) fees and expenses in the plan versus the fees and expenses in an IRA, (iii) the services and responsiveness of the plan’s investment professionals versus those of our Firm, (iv) protection of assets from creditors and legal judgments, (v) required minimum distributions and age considerations, and (vi) employer stock tax consequences, if any. Our Firm’s Chief Compliance Officer remains available to address any questions that a client or prospective client has regarding the oversight. MARCH 2024 | PAGE 6 WRAP FEE PROGRAMS We do not place any client assets into a Wrap Fee Program. ASSETS As of December 31, 2023, we have $568,974,972 in discretionary assets and $8,214,827 in non- discretionary assets under our Firm’s management. We also have $16,542,320 in assets under advisement.