My Personal CFO offers a variety of advisory services, which include financial planning and consulting services, wealth management services, and retirement plan services. Prior to My Personal CFO rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with My Personal CFO setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). My Personal CFO was formed in 2018 and is principally owned by Mark Bernazzani. As of December 31, 2023, My Personal CFO had $277, 000,000.00 in assets under management, of which all was managed on a discretionary basis. While this brochure generally describes the business of My Personal CFO, certain sections also discuss the ,activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or other persons who provide investment advice on My Personal CFO’s behalf and are subject to the Firm’s supervision or control. Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title 1 of the Employee Retirement Income Act (ERISA) and the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than a level fee that is reasonable for our services; and
• Give you basic information about conflicts of interest. Financial Planning and Consulting Services My Personal CFO offers clients a broad range of financial planning and consulting services, which include any or all of the below-mentioned areas. Examples of the type of advice included for each area are included for reference.
• Education Planning - advising clients on the appropriate amount of capital required to pay for college costs, including a review of factors such as the age of potential students, the cost of potential anticipated higher education institution(s), inflation factors, and appropriate college savings programs;
• Insurance Planning - reviewing clients’ existing life, health, and property insurance contracts and making recommendations based on clients’ particular needs, such as retirement assets, college funding assets, and general liability coverage;
• Tax Planning and Compliance - reviewing clients’ federal and state personal tax returns and providing planning strategies designed to reduce clients’ overall effective income tax rates based on their current taxable and qualified investments and income sources, as appropriate;
• Retirement Planning - counseling clients on appropriate accumulation and distribution techniques concerning their taxable and qualified investments;
• Trust and Estate Planning – reviewing clients existing estate planning documents consisting of wills, trusts, and power of attorney forms and providing guidance on minimizing estate taxes and risks and/or opportunities related to the implementation and execution of their estate plan;
• Cash Flow Forecasting and Budgeting – reviewing clients income and regular expenses and offering analysis and recommendations related to maintaining sufficient assets to address planned and unforeseen expenses;
• Philanthropic Advisory – consulting with clients on creative ways to maximize their charitable goals while leveraging income tax rules to also meet their other objectives, including helping clients understand the various tax advantages to different giving strategies;
• Executive Benefits Planning – advising clients on various aspects of their company benefit plans, including how to leverage those plans for tax planning purposes and risk management;
• Equity Compensation – providing counsel to clients who are recipients of equity from their employers, including the tax advantages or consequences and the impact of the equity to clients’ overall wealth and investments; and
• Business Succession Advice – providing recommendations to entrepreneurial clients who need to explore the business and tax implications of succession planning. While each of these services is available on a stand-alone basis, certain of them can also be rendered in conjunction with investment portfolio management as part of a comprehensive wealth management engagement (described in more detail below). In performing these services, My Personal CFO is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. My Personal CFO recommends certain clients engage the Firm for additional related services and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage My Personal CFO or its affiliates to provide additional services for compensation, including the Firm’s wealth management services discussed in this Item 4 and the accounting services discussed in Item

10, below. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by My Personal CFO under a financial planning or consulting engagement. Further, clients have the option to purchase investment products that the Firm recommends through other professionals (e.g., brokers or investment advisers) are not affiliated with the Firm. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising My Personal CFO’s recommendations and/or services. Wealth Management Services My Personal CFO manages client investment portfolios thorough a wealth management relationship, whereby My Personal CFO provides a broad range of financial planning and consulting services and discretionary investment management services. In managing client investment portfolios, My Personal CFO primarily allocates client assets among various mutual funds and exchange-traded funds (“ETFs”). Where appropriate, the Firm uses standard exchange- traded option contracts (i.e. put or call option contacts) as a risk management tool. Where appropriate, the Firm also provides advice about any type of legacy position or other investment held in client portfolios, however, clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Clients can also engage My Personal CFO to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, My Personal CFO directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company, or the custodian designated by the product’s provider. My Personal CFO tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. My Personal CFO consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify My Personal CFO if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if My Personal CFO determines, in its sole discretion, the conditions will not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Retirement Plan Services My Personal CFO provides advisory services to defined benefit plans subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). Each defined benefit plan client is required to enter into an investment advisory or investment management agreement with My Personal CFO describing the services that My Personal CFO will perform for the retirement plan client and/or its participants. For defined benefit plans, My Personal CFO’s advisory services typically consist of investing and reinvesting the defined benefit plan’s assets on a discretionary basis. In this capacity, My Personal CFO provides ERISA fiduciary services to defined benefit plans and is deemed to be acting as an investment manager under Section 3(38) of ERISA. In managing defined benefit plans’ investment portfolios, My Personal CFO primarily allocates assets among various mutual funds and exchange-traded funds (“ETFs”). Where appropriate, the Firm uses standard exchange-traded option contracts (i.e. put or call option contacts) as a risk management tool. Sub-Advisors My Personal CFO retains sub-advisors or third-party managers to assist with managing portfolios if you need or are seeking a specific type of investment management or strategy. Sub-advisors provide investment allocations and securities selection and may execute securities transactions in your accounts pursuant to the agreement between Tactive and the subadvisor. This relationship will be fully disclosed with those sub-advisors in your Advisory Agreement. Certain sub-advisors use ETFs and or mutual funds in Client portfolios to which they are manager or sub-advisor. In these cases, the selection of these investments creates conflicts of interest for the sub-advisor. The sub-advisors disclose conflicts of interests including their selection of such investments, in their Form ADV 2. We advise you in establishing investment objectives, and work with the sub-advisors to ensure an appropriate investment strategy for you. You are provided the sub-advisor’s Form ADV Part 2, and may be asked to enter into a separate Advisory Agreement. Alternative Investments Our Firm allows the use of Alternative Investments, if deemed suitable for the client portfolio. All client portfolios that are invested in Alternative Investments will be periodically reviewed by the CCO. Proper due diligence will be completed for all investments offered to clients which may include documentation of the firm’s analysis of such alternative investments, and a description of how the firm will monitor these types of investments. Alternative Investments represent an asset class outside of the realm of traditional stocks, bonds and cash equivalents and may include; Opportunity zones, etc. . Most alternative investments have a high risk associated with including in a client’s portfolio. (See Item 8: Risks)