Our firm is a limited liability company formed in the State of North Carolina. Byron Financial, LLC (“Byron Financial”) was established as a sole proprietor in 1986 and has been in business as an investment adviser since 2006. William McComas Byron is the majority owner of Byron Financial. Joshua Mayor is also a minority owner of the firm. The professionals of Byron Financial provide financial services specializing in asset management for high net worth individuals, as well as the design, implementation, and administration of insurance, estate planning and wealth transfer planning. Description of the Types of Advisory Services We Offer Asset Management: As part of our Asset Management service, we provide investment management and financial planning or consulting services to clients. Our Asset Management service is designed to assist clients in meeting their financial goals through the use of financial investments. We conduct at least one, but sometimes more than one meeting (in person if possible, otherwise via telephone conference) with clients in order to understand their current financial situation, existing resources, financial goals, and tolerance for risk. Based on what we learn, we propose an investment approach to the client. We may propose an investment portfolio, consisting of exchange traded funds (“ETFs”), mutual funds, individual stocks or bonds, or other securities. Upon the client’s agreement to the proposed investment plan, we work with the client to establish or transfer investment accounts so that we can manage the client’s portfolio. Once the relevant accounts are under our management, we review such accounts on a regular basis and at least quarterly. We systematically rebalance on a quarterly basis or adjust client accounts under our management. If the client experiences any significant changes to his/her financial or personal circumstances, the client must notify us so that we can consider such information in managing the client’s investments. Individual Consultations: We also provide advisory or consulting services not involving the other services already described herein but still pertaining to investments or investment-related matters. As part of these services, we may or may not provide any written documentation or other work product. Such services may include, but would not be limited to, the following:
• Insurance-related services and planning;
• One-time analysis of investment accounts/portfolios;
• Telephonic, electronic, or in-person consultations/communications regarding investments or investment-related matters;
• Serving as an expert witness in judicial or arbitration proceedings;
• Conferring with other professionals or services providers (i.e. accountants, CPAs, attorneys, etc.) regarding investments or investment-related matters on your behalf; and/or
• Other service as may be specifically requested. If you wish to engage us for some type of service not specifically mentioned or referred to in the services noted above, you may provide us with guidance as to the scope of the engagement. Regardless of the ADV Part 2A – Firm Brochure Page 5 Byron Financial, LLC services ultimately requested, the specific services and corresponding fees will be set forth in a written agreement. Financial Planning: We may prepare a written

financial plan for our clients. Our financial planning services may involve consultation, analysis, and recommendations in the eight areas of financial planning, which include (1) asset management; (2) tax strategies; (3) liquidity event planning; (4) banking consultation; (5) cash flow planning; (6) charitable planning (7) wealth transfer and estate planning; and (8) generational wealth management. In order to determine a suitable course of action for an individual client, we will perform a review of the variables that are presented. This review may include, but would not necessarily be limited to, investment objectives, consideration of your overall financial condition, income and tax status, personal and business assets, risk profile, and other factors unique to your particular circumstances. We will review your present financial situation and issue a written analysis and report of recommendations in accordance with your goals and objectives. This service may include an initial consultation and subsequent follow-up visits. The services provided in this regard may include but would not be limited to the following:
• Prepare an annual net worth statement;
• Create a cash flow statement;
• Review current investments and make recommendations thereon;
• Review client’s most recent tax returns and provide tax planning advice;
• Review client’s life insurance and make recommendations thereon;
• Review client’s estate plan and make recommendations thereon; and
• Provide education planning advice. Tailoring of Advisory Services To the fullest extent possible, we will endeavor to tailor our advisory services to meet the specific needs of each and every client. In order to determine a suitable course of action for an individual client, we will perform a review of our clients’ financial circumstances. Such review may include, but would not necessarily be limited to, investment objectives, consideration of a client’s overall financial condition, income and tax status, personal and business assets, risk profile, and other factors unique to a client’s particular circumstances. In making investment recommendations on behalf of a client, we will rely on a data gathering document or other questionnaire, which would be completed based on information provided by a client. Our clients are free to impose any restrictions or other conditions with regard to how we provide our advisory services. If we agree to such restrictions and/or conditions, please be advised that restrictions and guidelines imposed by a client may affect the composition and performance of custom portfolios (as a result, performance of custom portfolios within the same investment objective may differ and a client should not expect that the performance of a custom portfolio will be identical to any other individual’s portfolio performance) as well as any recommendations provided to the client. ADV Part 2A – Firm Brochure Page 6 Byron Financial, LLC Participation in Wrap Fee Programs We do not offer wrap fee programs. Regulatory Assets Under Management As a registered investment advisor, we managed $587,035,262 on a non-discretionary basis and $13,165,104 on a discretionary basis for a total of $600,200,366 as of December 31st, 2023.