Beto Financial Group, LLC, d/b/a BR Wealth Management, is an Idaho limited liability company founded in 2011. The firm’s principal owner is Brian E. Randolph. We are registered as an investment advisor with SEC and our principal offices are located in Boise, Idaho. The information contained in this brochure describes our investment advisory services, practices, and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our services to the needs of our clients. As used throughout this firm brochure, the words “BRWM,” “we,” “our,” “firm,” and “us” refer to BR Wealth Management, and the words “you,” “your,” and “client” refer to you as either a client or prospective client of our firm. Prior to forming an investment advisor-client relationship, we may offer you a complimentary general consultation to discuss the nature of our services and to determine the possibility of an advisory relationship. Investment advisory services begin only after the prospective client and BRWM formalize their relationship by the execution of a written advisory agreement. We offer several investment advisory services to clients. Our investment advice is always custom tailored according to each client’s unique investment profile. When we provide portfolio management services, clients deposit their assets at an independent qualified custodian (the “Custodian”) and grant us limited authority to buy and sell securities either on a discretionary or non-discretionary basis. The full scope of our authority with respect to management of the client’s account will be set forth in a written advisory agreement. We act as your fiduciary, responsible for the management of your investment account(s) at the Custodian, where assets are held in your name. Portfolio management services are offered, either on a discretionary or non-discretionary basis. Ø Where you engage us on a discretionary basis, you authorize our firm and our investment advisor representatives to implement our investment recommendations directly within your account held at the Custodian without obtaining your specific consent prior to each transaction. Ø Where you engage us on a non-discretionary basis, we will provide you with investment recommendations which you are free to accept or reject, in whole or in part. We will only implement our investment recommendations within your account held at the Custodian upon your request and with your prior approval. Clients always have the ability to impose reasonable restrictions on our management of their account(s), including the ability to instruct us not to purchase certain specific securities, industry sectors, and/or asset classes. We will attempt to honor the client’s investment restrictions in all circumstances and will notify you if we are ever unable to do so for any reason. A description of the individual investment advisory services offered by our firm is set forth below. Portfolio Management. Our firm offers ongoing and continuous portfolio management services that are uniquely tailored to your financial circumstances. Through periodic consultations with you, we will gather information regarding your financial goals, investment objectives, tolerance for risk, and the time horizon for investments. The information we typically request in this process will include your current and expected income level, tax information, investment experience, current and expected cash needs, current portfolio construction/asset allocation, and risk tolerance level, among other items. We will analyze these factors and document your investment objectives, restrictions, and suitability information which will guide our management of your account(s). We will then recommend an initial investment strategy and portfolio intended to align with your unique financial situation and goals. We do not recommend one particular type of investment or asset class over any other. We primarily advise our clients regarding investments in stocks, bonds, mutual funds, ETFs, U.S. government and municipal securities, cash and cash equivalents, and variable products (life insurance and annuities). Depending on the client’s financial circumstances, we may also provide advice regarding other instruments, including, without limitation, U.S. government and municipal securities, money market accounts, and other public and private investments. We may also provide advice regarding investments held in your portfolio at the inception of our advisory relationship and/or other investment types not listed above, at your request. Depending on your asset level, investment needs, and other factors, we may implement our investment strategy through the use of certain model portfolios designed by our firm, or third-party money managers (collectively “Model Portfolios”). The Model Portfolios and investment strategies we utilize have generally been designed to meet a particular investment objective for investors with varying degrees of risk tolerance, ranging from a more aggressively allocated portfolio to a more conservative approach. Factors that we take into consideration when determining whether any particular Model Portfolio or investment strategy is appropriate for your account include, without limitation, the Model Portfolio or investment strategy’s investment goal, underlying holdings, and your financial needs, investment goals, risk tolerance, and investment objectives. As part of building your portfolio, we may also recommend that certain third-party money managers or sub-advisors (collectively, “TPMMs”) be engaged to manage all or a portion of your account (each such sub-account, a “Separately Managed Account” or “SMA”). The TPMMs we recommend may contract with us directly to provide sub-advisory services to your account and/or may be accessible to us via the investment platform of your Custodian. In other instances, we may recommend that you directly contract with a TPMM. In all cases, you will be provided with the Form ADV Part 2A (or equivalent disclosures) for any recommended TPMMs at or prior to the time of your engagement of their services. You may further be required to execute a separate advisory agreement and/or trading authorization in favor of such TPMMs at the time of their engagement granting them discretionary authority to trade your SMA. We will continue to serve as your primary advisor with respect to any SMAs, serving in a co- advisory capacity responsible for the ongoing monitoring of such account(s) and the determination of the suitability of the TPMM’s overall investment program. The TPMM shall typically be responsible for all investment selection and trading functions related to your SMA(s). We will recommend adjustments to your TPMM engagements and allocations when we believe such changes are in your best interests. Following implementation of your initial investment portfolio, we will monitor the performance of your account (including any SMAs) on an ongoing basis and implement and/or recommend changes as needed or appropriate, in consideration of current economic conditions, our market opinions and assumptions, and your individual financial circumstances and goals. It is your ongoing responsibility to advise us in writing of any material changes to your financial circumstances through our engagement. At our discretion, portfolio management clients may also receive certain financial planning and consulting services in the form described below on a complimentary or discounted basis. Financial Planning and Consulting Services. Our firm offers financial planning and consulting services to clients which may address, without limitation, some, or all of the following topics:
• financial, budgeting and cash management
• risk management, insurance planning, and analysis
• financial planning relating to divorce and marriage
• estate planning
• taxation issues and tax planning;
• retirement planning
• investment planning/asset allocation/portfolio design;
• educational funding
• investment goal setting Our financial planning and consulting services are offered on an annual retainer basis or on a one- time consulting basis.
• Annual Retainer Engagements: If you elect this service, we will consult with you and review your pertinent financial documents and information (e.g., bank and brokerage statements, insurance documents, estate and trust documents, tax documents, etc.) with the goal of identifying areas of financial concern and determining an appropriate set of financial goals and objectives over various time horizons. We will analyze the data and information

you share with us and present you with a comprehensive written financial plan. The financial plan will include a summary of your financial situation, our general observations regarding the same, and a set of specific actions and investment recommendations designed and intended to assist you in achieving your short term and long-term financial goals. For example, recommendations may be made that you begin or revise certain investment programs or accounts; create or revise wills or trusts; obtain or revise insurance coverage; commence or alter retirement savings; or establish education savings or charitable giving programs, among others. We will meet with you at least once annually to review the financial plan following its initial delivery, track your progress towards your financial goals, and to update the financial plan as necessary and appropriate. We will also provide you with ongoing advice and support throughout our engagement with respect to common issues affecting your financial life which touch upon the topics addressed within your financial plan (collectively, “Ancillary Advice”).
• One-time Financial Planning/Topical Consulting Engagements: If you elect this service, you may select a discrete financial topic or topics upon which you would like to receive our financial advice. One-time financial planning and consulting services are narrower in scope than annual retainer services, and do not include comprehensive financial planning. We will deliver our recommendations in the form of a written financial report or checklist at the conclusion of the engagement, after which time, no further update or review of the financial report or checklist or other advice is provided (unless specifically requested by the client and agreed to in writing by BRWM) and the engagement is concluded. Unlike our offering of portfolio management services, we will not actively monitor or supervise your investment accounts but will only review your holdings and provide our investment recommendations periodically (i.e., at the time of our periodic consultations). You will be solely responsible to monitor and supervise your investments between our consultations. Financial planning and consulting services are non-discretionary in nature. The client retains the sole discretion to accept or reject any of BRWM’s recommendations, in whole or in part, and to determine the service providers to be utilized for their implementation. Upon request, we may assist the client with implementation of our financial recommendations - additional fees may apply. Clients are never obligated to use our firm to implement any recommendations. Clients are never charged more than $1,200 six (6) or more months in advance for these services. As part of this service, we may recommend the use of certain third-party professionals (e.g., attorneys, tax advisors, accountants) to assist you in implementing the advice and recommendations we provide. We do not receive compensation or referral fees of any kind in connection with these recommendations. You are never obligated to engage any recommended third-party professional(s) and elect to do so at your sole discretion and risk. You will independently contract with such service providers and their fees are not included within the advisory fees paid to BRWM. We do not provide legal or tax advice of any kind. Betterment Advisory Services. We may recommend that certain Clients implement their investment portfolios through Betterment for Advisors, a division of Betterment LLC (herein “Betterment” or the “Investment Platform”). Betterment for Advisors is what is often termed a “robo-advisor”, an online wealth management service that provides automated, algorithm-based portfolio management advice. Robo-advisors use technology to deliver similar services as traditional advisors, but generally only offer portfolio management and do not get involved in a Client’s personal situation, such as taxes and retirement or estate planning. We chose to affiliate with Betterment for Advisors due to the Investment Platform’s customized portfolio allocations, automated rebalancing, and competitive fees. We utilize Betterment for Advisors as a complement to its comprehensive financial planning services to provide cost effective investing coupled with personalized financial planning. To establish accounts with Betterment for Advisors, the Client will also enter into one or more agreements with Betterment that provides the authority for discretionary investment management by the Investment Platform. We will have the discretionary authority to instruct Betterment for Advisors with respect to portfolio construction, asset allocation and other investment decisions, subject to the limitations described herein. Betterment for Advisors will implement the portfolio and be responsible for the discretionary trading of the ETFs in the Client’s portfolio, including the purchase and sale of investments and the automatic rebalancing back to targets. We remain the Client’s primary advisor and relationship contact and will select or construct a portfolio of ETFs and/or cash equivalents from the universe of investments included on the Investment Platform. The Advisor will only receive its investment advisory fees as detailed in Item 5 below and does not share in any fees earned by Betterment for Advisors. Pension Consulting Services. We offer pension consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include an existing plan review, formulation of the investment policy statement, asset allocation advice, vendor selection advice, non-discretionary portfolio management services, investment performance monitoring/benchmarking services, on- going consulting, communication, and participant education services/seminars. We may also assist the plan sponsor in providing participant enrollment meetings. Pontera Services: Pontera (formerly FeeX) is the third-party service provider whereby Advisor provides an additional service for accounts not directly held with our recommended custodian, but where Advisor does have discretion and leverages an Order Management System to implement asset allocation or rebalancing strategies on behalf of the Client. These are primarily 401(k) accounts, 403(b) accounts, variable annuities, and other assets not held with the recommended custodian. Our Firm regularly reviews the current holdings and available investment options in these accounts, monitors the account, rebalances, and implements our Firm’s strategies, as necessary. Our Firm is engaged with Pontera, an unaffiliated entity, to offer this service to our Clients. NOTE: Certain plans/clients that we may provide services to are regulated under the Employee Retirement Income Securities Act of 1974 (“ERISA”). We will provide pension consulting services to the plan sponsor and/or fiduciaries as described above for the fees set forth in Item 5 of this brochure. The consulting services we provide are advisory in nature. In providing services to any plan and its underlying participants, our status is that of an investment advisor registered under the Investment Advisers Act of 1940. We are not subject to any disqualifications under Section 411 of ERISA. In performing fiduciary services, we are acting as a fiduciary of the plan as defined in Section 3(21) under ERISA, only. In all cases, our status as a fiduciary under ERISA is clearly disclosed in a written advisory agreement. If there is any discrepancy between the disclosures in this paragraph and the agreement, the agreement shall govern. No Wrap Fee Program; Types of Investments Recommended. We do not offer, sponsor, or participate in a wrap fee program. If appropriate for your portfolio, we may recommend use of the Betterment Wrap Program as disclosed above. Please note that this Wrap Fee Program is sponsored by Betterment, not our Firm. Betterment charges a single wrap fee for all services Betterment. The services included for the wrap fee include all the services provided by Betterment and Betterment Securities through the Betterment platform, including advisory services, custody of assets, execution, and clearing. Betterment collects wrap fees directly from the client accounts pursuant to the terms of the sub- advisory agreement between Betterment and each Client. Please see Item 8 of this brochure or a description of the investment strategies we typically implement in client accounts. As of December 31, 2023, we manage a total of $259,017,418 in client assets under management. We manage $217,083,570 on a discretionary basis and $41,933,848 in client assets on a non- discretionary basis. We also have $35,143,373 in Assets Under Advisement.