Description of Services and Fees The firm was founded in 1997 as Linda S. Lubitz, CFP®, PA (the legal entity name) dba (doing business as) The Lubitz Financial Group. In September 2021 the dba changed to Meira Wealth. We are a privately held independent Registered Investment Advisor firm with our office in Coral Gables, Florida. Linda S. Boone, CFP®, is a 85% stockholder and, effective 12/30/2022; Jorge Padilla is a 15% minority stockholder. The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we", "our" and "us" refer to Meira Wealth and the words "you", "your", “they” and "client" refer to you as either a client or prospective client of our firm. We provide personalized, confidential financial planning and investment management services to individuals, pension and profit‐sharing plans, trusts, estates, charitable organizations and small businesses. Advice is provided through consultation with the client and may include determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding planning, retirement planning, and estate planning. Our initial meeting, normally in person but may be by telephone (or virtually), is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management advice may be beneficial to you and appropriate for us. Financial Planning Services Our financial plans are designed to be broad‐based in nature. Generally, in keeping with the scope of the planning engagement, we provide you with a written plan, which reviews your current situation and recommends actions consistent with your financial and personal goals. A fee based on the adjusted Net Worth of the client is charged and included in the financial planning contract. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. We may also provide hourly consulting on specific topics as requested. General investment advice is provided as part of a financial plan. If you are going to retain us for on‐ going investment management, detailed investment advice and specific security recommendations can be provided as part of a financial plan. Implementation of the recommendations is at your discretion. Meira Wealth Brochure – Form ADV 5 No legal or accounting, or property/casualty insurance advice is given. The financial planning written report is a service separate from recommendation and on‐going supervision of investments. Unless otherwise agreed to in the Client Advisory Agreement, there will be no ongoing investment management after the financial plan is completed. You may use our services for the written report and/or ongoing fee‐only investment management. Our Financial Planning services, to you, end at the termination of the financial planning contractual period. Should a financial planning only client wish to get periodic updates, they will be charged an appropriate fee for the services provided. For our ongoing Investment Management clients, updates to their financial plan are provided either as part of their ongoing annual fee or for an additional fee, if appropriate. Our clients acknowledge that:
• Any financial planning is based solely on the accuracy and completeness of the information provided by them.
• Any projections or other information generated during the financial planning process.
• Are hypothetical in nature,
• Do not reflect actual investment results, and
• Do not guarantee any future results. Our client must promptly notify our firm if their financial situation, goals, objectives, or needs change. They are under no obligation to act on our financial planning recommendations. Should they choose to act on any of our recommendations, they are not obligated to implement the financial plan through any of our other investment advisory services. Moreover, they may act on our recommendations by placing securities transactions with any brokerage firm. Investment Management Services Most Financial Planning clients choose to have our firm manage their investments in order to obtain ongoing in‐depth financial advice. The Client Advisory Agreement section pertaining to Investment Management Services will be executed when we are retained for ongoing investment management. Investment advice is provided and based upon the mutually signed Investment Policy Statement. We select individual securities based upon your Investment Policy Statement. Realistic and measurable goals for each client are set and objectives to reach those goals are defined. As their goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for the Client Advisory Agreement is provided to you in writing prior to the start of the relationship. The Investment Management Services relationship includes periodic reporting, usually quarterly, of your investment values, investment policy target allocation vs. actual, asset class Meira Wealth Brochure – Form ADV 6 diversification, individual security selection, best efforts at rebalancing to the target Investment Policy Statement allocation, tax‐loss harvesting, tax reporting and periodic meetings with you to review these and other items. If you participate in our discretionary Investment Management Services, we require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow us to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is granted by the Client Advisory Agreement you sign with our firm and the appropriate custodial and/or trading authorization forms. You may limit our discretionary authority (for example, limiting

the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. We will use our best efforts to honor your requests but cannot guarantee we will be able to do so. To assist certain clients, we have entered into an Investment Management agreement with Parametric. Parametric has agreed to act as a sub advisor, and as such will provide certain investment management services. Parametric will manage and invest a client’s assets in accordance with the investment strategy selected by the investor and our firm. That strategy may include seeking to manage the tax impact of client’s investments through an individually managed U.S. equities portfolio account in order to meet an investor’s long‐term goals of managing tax liability and controlling risk. We have only 1 (one) client that we use Parametric and anticipate our terminating the relationship with Parametric during 2024. Courtesy Accounts As an accommodation for clients and others, from time to time, Meira may allow clients to establish an account (“Courtesy Account”) under a separate Meira’s Master Account at Schwab. Before Meira agrees to such an account, the account holder must sign a written Courtesy Account Agreement which sets forth the terms and conditions under which the Courtesy Account must operate. These conditions include but are not limited to the following: i. Meira Wealth will not have any fiduciary or other responsibility with respect to assets held in any such Courtesy Account. ii. Meira Wealth has no responsibility to monitor, trade, or report on assets held in the Courtesy Account; and iii. Assets held in the Courtesy Account will not be included in Meira Wealth’s Investment Advisory fee calculations. Types of Investments Assets are invested primarily in no‐load mutual funds and exchange‐traded funds, usually through custodians or fund companies. Investments may also include equities (stocks), corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (no‐load variable annuities, and mutual funds shares), U.S. government securities, options contracts, futures contracts, and interests in partnerships. Initial public offerings (IPOs) are typically not available through our firm. Meira Wealth Brochure – Form ADV 7 We may recommend and invest in non‐liquid and non‐publicly traded companies such as private debt or equity firms, non‐daily‐liquid mutual funds (commonly called Interval Funds) and regular but non‐daily real estate investments. Due diligence will be performed by our advisory team with the assistance of an outside consultant before such recommendations are made. These investment recommendations may not be suited for every client and will only be suggested to clients that qualify as accredited investors as required by the investment company and that meet a specific financial and risk profile. Under these circumstances, we will act as the advisor and will use a custodian like Charles Schwab & Co., Inc., Fidelity Investments, National Advisors Trust Company, or a similar company to custody the investment and comply with the required financial reporting and disclosures. You may request that we refrain from investing in a particular security or certain types of securities. These restrictions will be documented in our mutually signed Investment Policy Statement. We will use our best efforts to honor your requests but cannot guarantee we will be able to do so. Certain aspects of our investment operations are performed by Advisor Logistics or Mirador. The administration of, and access to, their wealth management platform as well as advisor portal is utilized by Meira Wealth for a fee, without an impact to clients. Assistance in trading and rebalancing Meira Wealth designed models, client fee calculations and client fee debiting administration is carried out by Advisor Logistics or Mirador per Meira Wealth specifications. Client personal information is accessible by Advisor Logistics and Mirador in order to provide these services. As dictated by our agreement with each of these firms, “each party agrees to retain in confidence at all times and to require its employees, consultants, Platform Providers, Technology Providers, professional representatives and agents to retain in confidence all Confidential Information in connection with the Agreement.” General ‐ Advisory Services to Retirement Plans and Plan Participants We offer various levels of advisory and consulting services to employee benefit plans ("Plan") and to the Trustee(s) of such plans (“Trustees”). The services are designed to assist plan sponsors in meeting their management and fiduciary obligations to Participants under the Employee Retirement Income Securities Act (“ERISA”). Pursuant to adopted regulations of the U.S. Department of Labor, we are required to provide the Plan's responsible plan fiduciary (the person who has the authority to engage us as an investment adviser to the Plan) with a written statement of the services we provide to the Plan, the compensation we receive for providing those services, and our status (which is described below). The services we provide to your Plan are described above under the Investment Management Services heading, and in our Client Advisory Agreement Our compensation for these services is described below, at Item 5, and in the Client Advisory Agreement. We do not reasonably expect to receive any other compensation, direct or indirect, for the services we provide to the Plan or Trustee, unless the plan sponsor directs us to deduct our fee from the plan or directs the plan record‐keeper to issue payment for our fee out of the plan. If we receive any other compensation for such services, we will (i) offset the compensation against our stated fees, and (ii) we will promptly disclose the amount of such compensation, the services rendered for such compensation and the payer of such compensation to you. Meira Wealth Brochure – Form ADV 8 Status In providing services to the Plan and Trustee, our status is that of an investment adviser registered under the Investment Advisers Act of 1940, and we are not subject to any disqualifications under Section 411 of ERISA. In performing fiduciary services, we are acting either as a non‐discretionary fiduciary of the Plan as defined in Section 3(21) under ERISA, or as a discretionary fiduciary of the plan as defined in Section 3(38) under ERISA. Assets Under Management As of 12/31/2023, we manage $267,282,919 in client assets on a discretionary basis.