BALANCED WEALTH GROUP LLC

Balanced Wealth Group, LLC Form ADV Part 2A – Disclosure Brochure Effective: April 15, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (440) 871-6501. Balanced Wealth is a registered investment advisor with U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Balanced Wealth to assist you in determining whether to retain the Advisor. Additional information about Balanced Wealth and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 328007. Balanced Wealth Group, LLC Sandusky Office 1604 E Perkins Avenue, Suite 201 Sandusky, Oh 44870 Westlake Office 1991 Crocker Road, Suite. 300 Westlake, OH 44145 Canton Office 4811 Whipple Ave. NW, Suite 103 Canton, OH 44718 Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory Persons of Balanced Wealth. For convenience, the Advisor has combined these documents into a single disclosure document. Balanced Wealth believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Balanced Wealth encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the last annual amendment filing on February 8, 2024: ● The Advisor has updated their services to include legal and tax service fee coverage based on assets under management within the Advisor’s Wealth Management Services. Please see Item 4 and Item 14 for further information. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 328007. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (440) 871-6501. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 2  Item 3 – Table of Contents Item 1 – Cover Page 1 Item 2 – Material Changes ....................................................................................................................................... 2 Item 3 – Table of Contents ....................................................................................................................................... 3 Item 4 – Advisory Services ....................................................................................................................................... 5 A. Firm Information ............................................................................................................................................ 5 B. Advisory Services Offered ............................................................................................................................ 5 C. Client Account Management ......................................................................................................................... 8 D. Wrap Fee Programs ....................................................................................................................................... 8 E. Assets Under Management ........................................................................................................................... 8 Item 5 – Fees and Compensation ............................................................................................................................ 9 A. Fees for Advisory Services ........................................................................................................................... 9 B. Fee Billing ..................................................................................................................................................... 10 C. Other Fees and Expenses ........................................................................................................................... 11 D. Advance Payment of Fees and Termination ............................................................................................. 11 E. Compensation for Sales of Securities ....................................................................................................... 12 Item 6 – Performance-Based Fees and Side-By-Side Management ..................................................................... 12 Item 7 – Types of Clients ....................................................................................................................................... 12 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ................................................................. 12 A. Methods of Analysis .................................................................................................................................... 12 B. Risk of Loss .................................................................................................................................................. 13 Item 9 – Disciplinary Information ............................................................................................................................ 14 Item 10 – Other Financial Industry Activities and Affiliations ................................................................................. 14 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .......................... 15 A. Code of Ethics .............................................................................................................................................. 15 B. Personal Trading with Material Interest ..................................................................................................... 15 C. Personal Trading in Same Securities as Clients ....................................................................................... 15 D. Personal Trading at Same Time as Client ................................................................................................. 15 Item 12 – Brokerage Practices ............................................................................................................................... 15 A. Recommendation of Custodian[s] ............................................................................................................. 15 B. Aggregating and Allocating Trades ........................................................................................................... 17 Item 13 – Review of Accounts ................................................................................................................................ 17 A. Frequency of Reviews ................................................................................................................................. 17 B. Causes for Reviews ..................................................................................................................................... 17 C. Review Reports ............................................................................................................................................ 17 Item 14 – Client Referrals and Other Compensation ............................................................................................. 17 A. Compensation Received by Balanced Wealth .......................................................................................... 17 Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 3  B. Compensation for Client Referrals ............................................................................................................. 18 Item 15 – Custody .................................................................................................................................................. 18 Item 16 – Investment Discretion ............................................................................................................................. 18 Item 17 – Voting Client Securities .......................................................................................................................... 19 Item 18 – Financial Information .............................................................................................................................. 19 Form ADV Part 2A – Appendix 1 ........................................................................................................................... 20 Item 2 – Material Changes ..................................................................................................................................... 21 Item 3 – Table of Contents ..................................................................................................................................... 21 Item 4 – Services Fees and Compensation ........................................................................................................... 22 Item 5 – Account Requirements and Types of Clients ........................................................................................... 23 Item 6 – Portfolio Manager Selection and Evaluation ............................................................................................ 23 Item 7 – Client Information Provided to Portfolio Managers ................................................................................... 25 Item 8 – Client Contact with Portfolio Managers .................................................................................................... 25 Item 9 – Additional Information .............................................................................................................................. 25 Form ADV Part 2B – Brochure Supplement ........................................................................................................... 28 Form ADV Part 2B – Brochure Supplement ........................................................................................................... 31 Form ADV Part 2B – Brochure Supplement ........................................................................................................... 34 Form ADV Part 2B – Brochure Supplement ........................................................................................................... 37 Form ADV Part 2B – Brochure Supplement ........................................................................................................... 40 Form ADV Part 2B – Brochure Supplement ........................................................................................................... 43 Privacy Policy ......................................................................................................................................................... 45 Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 4  Item 4 – Advisory Services A. Firm Information Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the State of Ohio. Balanced Wealth was founded in October 2023.became a Registered Investment Advisor in November 2023. Balanced Wealth is owned by Matthew C. Daugherty, CFP®, CRPC® as majority owner, and Joshua R. Harrell, CFP®, CRPC® , ECA as minority owner. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Balanced Wealth. B. Advisory Services Offered Balanced Wealth offers advisory services to individuals, high net worth individuals, families, trusts, estates, businesses, and retirement plans (each referred to as a “Client”). The Advisor provides financial planning services, investment management services. These services may be obtained individually or contracted as part of a combined wealth management engagement. The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness, and good faith towards each Client and seeks to mitigate conflicts of interest. Balanced Wealth’s fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Financial Planning Services Balanced Wealth will typically provide a variety of financial planning and consulting services to Clients. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to: ● Cash flow and personal savings, ● Education planning, ● Retirement planning, ● Employee benefits planning and insurance need strategies, ● Tax planning and optimization strategies, ● Estate planning and investment planning ● Additional areas of a Client’s financial situation. A financial plan or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Balanced Wealth may also refer Clients to an accountant, attorney, or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For project-based or ad-hoc engagements, the Advisor may not provide a written summary. Project-based financial plans or consultations are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for wealth management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 5  to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Wealth Management and Investment Management Services Balanced Wealth provides customized investment management and wealth management solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary management of client accounts. Clients who choose a wealth management solution will also obtain related financial planning services as described below. Balanced Wealth works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to design a portfolio strategy. Balanced Wealth will then construct an investment portfolio, consisting of exchange-traded funds (“ETFs”) and/or mutual funds to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, individual bonds, unaffiliated money managers (See “Independent Managers” below), and/or other types of investments, as appropriate, to meet the needs of the Client. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. Balanced Wealth will select, recommend and/or retain mutual funds on a fund by fund basis. Due to specific custodial and/or mutual fund company constraints, material tax consideration, and/or systematic investment plans, Balanced Wealth will select, recommend and/or retain a mutual fund share classes that do not have trading costs when possible. These will in most cases be institutional share classes but in some cases may be share classes with higher internal expense ratios than institutional share classes. Balanced Wealth will seek to select the lowest cost share class available that is in the best interest of each Client weighing the expected investment pattern, expense ratios and potential ticket charges, and will ensure the selection aligns with the Client’s financial objectives and stated investment guidelines. Balanced Wealth’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Balanced Wealth will construct, implement, and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Balanced Wealth evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Balanced Wealth may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Balanced Wealth may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against the market movement. Balanced Wealth may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Use of Independent Managers – Balanced Wealth may recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In certain instances, the Client may be required to authorize and enter into a wealth management agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager’s Form ADV Part 2A – Disclosure Brochure (or a brochure that makes the appropriate disclosures). Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 6  Retirement Plan Advisory Services Balanced Wealth provides 3(21) retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: Investment Policy Statement (“IPS”) Design and Monitoring Investment Oversight ● Vendor Analysis ● Plan Participant Enrollment and Education Tracking ● ● ● Ongoing Investment Recommendation and Assistance These services are provided by Balanced Wealth serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of Balanced Wealth’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. Tax Preparation Assistance and Estate Planning Document Preparation Assistance – Where Client places assets under Advisor’s management meeting the thresholds set forth in the schedule below1, Advisor shall make an annual contribution towards payment of the costs and fees incurred by Client in connection with the preparation of Client’s tax returns and/or estate planning documents. Where the Client wishes to opt-in to these benefits, the Client shall be required to execute the Estate Planning Assistance Addendum or Tax Preparation Assistance Addendum, as applicable. Client understands that all tax preparation services provided under this provision shall be provided exclusively by certain third-party certified public accountants as may be recommended by Advisor from time-to-time. Client further understands that all estate planning document preparation services provided under this provision shall consist exclusively of Advisor’s administrative assistance to client in the use of certain third- party estate planning software licensed by Advisor from time-to-time. For avoidance of doubt, Client’s election to use any other service provider shall void Advisor’s obligation to make any contributions hereunder. Please note, should the value provided by the Advisor not cover the full value of services provided by the Service Provider(s), the Client will incur an additional invoice provided by the Service Provider(s). Balanced Wealth group reserves the right to revoke these additional third-party services at any time, but will provide written notification to the Client. Assets Under Management $0 to $2,999,999 $3,000,000 to $4,999,999 $5,000,000 and above Advisor Annual Contribution (Tax Prep/Estate Planning Costs) Up to $2,000.00 $3,500.00 $7,500.00 No Client is obligated to utilize the services of Wealth.com, Henton & Associates, or Newcomb CPA, and should the Client opt-out of these services, the Client will be responsible for rendering legal or tax services of their own accord. 1 As measured at inception and at such subsequent dates as Advisor may determine in its sole discretion. If Client’s assets under management fall below a given threshold during the subject year for any reason, Advisor reserves the right to proportionally reduce or entirely discontinue its contribution towards the subject costs and fees. Excess unused portions of Advisor annual contributions do not carry over from year-to-year. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 7  Insurance Consulting - Balanced Wealth has a relationship with DPL Financial Partners, LLC (“DPL”). By working with DPL, Balanced Wealth may provide insurance reviews/analyses, education, and insurance solutions in a mitigated conflict manner. DPL is a third-party provider of a platform of insurance consultancy services to SEC & State-registered investment advisers (“RIAs”) that have clients with a current or future need for insurance products. DPL offers RIAs memberships to its platform for a fixed annual fee and, through its licensed insurance agents who are also registered representatives of The Leaders Group, Inc. (“The Leaders Group”), an unaffiliated SEC-registered broker-dealer and FINRA member, offers members a variety of services relating to fee-based insurance products. These services include, among others, providing members with analyses of their current methodology for evaluating client insurance needs, educating and acting as a resource to members regarding insurance products generally and specific insurance products owned by their clients or that their clients are considering purchasing, and providing members access to and product marketing support regarding fee- based products that insurers have agreed to offer to members’ clients through DPL’s platform. For providing platform services to RIAs, DPL receives service fees from the insurers that offer their fee-based products through the platform. These service fees are based on the insurance premiums received by the insurers. DPL is licensed as an insurance producer in Kentucky and other jurisdictions where required to perform the platform services. Its representatives are also licensed as insurance producers, appointed as insurance agents of the insurers offering their products through the platform, and registered representatives of The Leaders Group. C. Client Account Management Prior to engaging Balanced Wealth to provide advisory services, each Client is required to enter into a written advisory agreement with the Advisor that define the terms, conditions, authority, and responsibilities of the Advisor and the Client. These services may include: ● Establishing an Investment Strategy – Balanced Wealth, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. ● Asset Allocation – Balanced Wealth will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client or unique client goal. ● Portfolio Construction – Balanced Wealth will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. ● Wealth Management and Supervision – Balanced Wealth will provide wealth management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Balanced Wealth may include, in addition to custodial costs, administrative fees, wire fees, trade away transactions, other fees and expenses (herein “Covered Costs together with its investment advisory fees. Including these fees into a single asset-based fee is considered a “Wrap Fee Program”. The Advisor customizes its investment management services for its Clients. The Advisor sponsors the Balanced Wealth Wrap Fee Program solely as a supplemental disclosure regarding the combination of fees. Depending on the level of trading required for the Client’s account[s] in a particular year, the Client may pay more or less in total fees than if the Client paid its own transaction fees. Please see Appendix 1 – Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. E. Assets Under Management As of December 31, 2024, Balanced Wealth Group manages over $419,910,000 in Client assets, all of which are managed on a discretionary basis. The Advisor also has assets under advisement totaling $9,347,000 Clients may request more current information at any time by contacting the Advisor. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 8  Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into a written advisory agreement with the Advisor. A. Fees for Advisory Services Financial Planning Services Financial planning fees are based on the scope and complexity of the services to be provided. One-time, project based planning fees range up to $18,000. If additional financial planning services are required due to the Client’s complexity, the fees will be negotiated between the Advisor and Client. Ongoing financial planning engagements are negotiated based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total costs will be determined prior to engaging for these services. Wealth Management Services Fees are paid monthly in arrears based on the average daily balance in the accounts during the month. Fees range from 0.50% to 2.00% annually, pursuant to the terms of the wealth management agreement or investment management agreement. Fees are based on several factors, including: the scope and complexity of the services to be provided; the level of assets to be managed; and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. The fee in the first month of service is prorated from the inception date of the account[s] to the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. In certain circumstances, the Advisor may charge a fixed annual fee for its services. The Client’s fees will take into consideration the aggregate assets under management with the Advisor across all accounts, unless otherwise agreed in writing. All securities held in accounts managed by Balanced Wealth will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. Clients may make additions to and withdrawals from their account[s] at any time, subject to Balanced Wealth’ right to terminate an account. Additions may be in cash or securities provided that Balanced Wealth reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Balanced Wealth, subject to the usual and customary securities settlement procedures. However, Balanced Wealth designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Balanced Wealth may consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. Investment Management Services Fees are paid monthly in arrears based on the average daily balance in the accounts during the month. Fees range from 0.50% to 1.75% annually, pursuant to the terms of the wealth management agreement or investment management agreement. Fees are based on several factors, including: the scope and complexity of the services to be provided; the level of assets to be managed; and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. The fee in the first month of service is prorated from the inception date of the account[s] to the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. In certain circumstances, the Advisor may charge a fixed annual fee for its services. The Client’s fees will take into consideration the aggregate assets under management with the Advisor across all accounts, unless otherwise agreed in writing. All securities held in accounts managed by Balanced Wealth will be independently valued by the Custodian. Balanced Wealth will not have the authority or responsibility to value portfolio securities. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 9  Clients may make additions to and withdrawals from their account[s] at any time, subject to Balanced Wealth’ right to terminate an account. Additions may be in cash or securities provided that Balanced Wealth reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Balanced Wealth, subject to the usual and customary securities settlement procedures. However, Balanced Wealth designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Balanced Wealth may consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its wealth management fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with an Independent Manager. The Advisor will allocate a portion of the advisory fee collected to the Independent Manager pursuant to the terms of the executed agreement between the Advisor and the Independent Manager. If the Client is required to authorize and enter into a wealth management agreement with an Independent Manage then the terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Retirement Plan Advisory Services Fees for retirement plan advisory services are charged an annual asset-based fee of up to 0.75% and are billed in advance or arrears, pursuant to the terms of the retirement plan advisory agreement. Retirement plan fees are based on the market value of assets under management in the Plan. Fees may be negotiable depending on the size and complexity of the Plan. Insurance Consulting Fees for insurance consulting services are charged in accordance with the Client’s investment management or wealth management services range of fees on either a monthly, quarterly, or annual basis, pursuant to the terms of the client agreement. Insurance consulting fees are based on the market value of assets under management in the contract. Fees may be negotiable depending on the size and complexity of the contract. B. Fee Billing Wealth Management and Investment Management Services Fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s]. The amount due is calculated by applying the monthly rate (Annual Rate divided by 12) to the average daily assets under management with the Advisor. Clients will be provided with a statement, generally monthly, from the Custodian reflecting the deduction of the management fee. Clients provide written authorization permitting management fees to be deducted by Balanced Wealth to be paid directly from their account[s] held by the Custodian as part of the wealth management agreement and separate account forms provided by the Custodian. Use of Independent Managers For Client accounts implemented through an Independent Manager, the Client’s overall fees may include Balanced Wealth’s management fee (as noted above) plus management fees and/or platform fees charged by the Independent Manager[s], as applicable. In certain instances, the Independent Manager or the Advisor may assume responsibility for calculating the Client’s fees and deduct all fees from the Client’s account[s]. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 10  Financial Planning Services Project-based financial planning fees may be invoiced up to fifty percent (50%) of the expected total fee upon execution of the financial planning agreement. The balance shall be invoiced upon completion of the agreed upon deliverable[s]. Ongoing financial planning engagements are billed monthly or quarterly in arrears, pursuant to the executed financial planning agreement. Retirement Plan Advisory Services Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of the Client’s account[s]. Balanced Wealth includes securities transactions fees, if applicable, as part of its overall management fee through the Balanced Wealth Wrap Fee Program. Please see Item 4.D. above as well as Appendix 1 – Wrap Fee Program Brochure. In addition, all fees paid to Balanced Wealth for wealth management services or investment management services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of Balanced Wealth but would not receive the services provided by Balanced Wealth which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Balanced Wealth to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. Additionally, as noted above, the Advisor will select share classes that do not have trading costs when possible. These will in most cases be institutional share classes but in some cases may be share classes with higher internal expense ratios than institutional share classes. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Wealth Management and Investment Management Services Balanced Wealth is compensated for its management services at the end of the month in which services are rendered. Either party may terminate the wealth management agreement or investment management agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination, and such fees will be due and payable by the Client. Upon termination, the Advisor will refund any unearned, prepaid fees from the effective date of termination through the end of the month. The Client’s agreement with the Advisor is non- transferable without the Client’s prior consent. Use of Independent Managers In the event that the Advisor has determined that an Independent Manager is no longer in the Client’s best interest or a Client should wish to terminate their relationship with the Independent Manager, the terms for the termination will be set forth in the respective agreements between the Client or the Advisor and the Independent Manager. Balanced Wealth will assist the Client with the termination and transition as appropriate. Financial Planning Services For project-based financial planning engagements, Balanced Wealth may be partially-compensated for its financial planning services upon the execution of a financial planning agreement. For ongoing financial planning engagements, Balanced Wealth is compensated following the end of each month, or each quarter, pursuant to the Client’s financial planning agreement. Either party may terminate the financial planning agreement, at any Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 11  time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five- day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for the percentage of the engagement scope completed by the Advisor for a project-based engagement. For ongoing financial planning engagements, the prorated fee is based on the number of days in the month/quarter, up to and including the effective date of termination. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Retirement Plan Advisory Services Balanced Wealth is compensated for its services at the either at the beginning or the end of the billing period. Either party may request to terminate a retirement plan advisory agreement, at any time, by providing advance written notice to the other party. The Client shall be responsible for investment advisory fees up to and including the effective date of termination. If collected in advance, the Advisor will refund any unearned, prepaid investment advisory fees from the effective date of termination to the end of the billing period. The Client’s retirement plan services agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities Balanced Wealth does not buy or sell securities to earn commissions and does not receive any compensation for securities transactions in any Client account, other than the wealth management fees noted above. Certain Advisory Persons are also licensed as independent insurance professionals. As an independent insurance professional, an Advisory Person may earn commission-based compensation for selling insurance products, including insurance products they sell to Clients. Insurance commissions earned by Advisory Persons are separate and in addition to the Advisor’s fees. This practice presents a conflict of interest because as the Advisory Person may have an incentive to recommend insurance products to a Client for the purpose of generating commissions rather than solely based on the Client’s needs. Clients are under no obligation, contractually or otherwise, to purchase insurance products through any Advisory Person affiliated with the Advisor. Please see Item 10 below. Item 6 – Performance-Based Fees and Side-By-Side Management Balanced Wealth does not charge performance-based fees for its wealth management services. The fees charged by Balanced Wealth are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Balanced Wealth does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Balanced Wealth offers advisory services to individuals, high net worth individuals, families, trusts, estates, businesses, and retirement plans. Balanced Wealth generally does not impose a minimum relationship size. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Balanced Wealth primarily employs fundamental and technical analysis methods in developing investment strategies for its Clients. Research and analysis from Balanced Wealth are derived from numerous sources, including financial media companies, third-party research materials, professional data subscriptions, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 12  Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria generally consists of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that Balanced Wealth will be able to predict such a reoccurrence accurately. As noted above, Balanced Wealth generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Balanced Wealth will typically hold all or a portion of a security for more than a year but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Balanced Wealth may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector, or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Balanced Wealth will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. Please see Item 8.B. for risks associated with the Advisor’s investment strategies as well as general risks of investing. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk, and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals, or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 13  ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Bond ETF Risks Bond ETFs are subject to specific risks, including the following: (1) interest rate risks, i.e., the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bonds time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e., the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investors rate of return, (4) credit default risk, i.e., the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e., the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e., the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily; therefore, a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Margin Borrowings The use of short-term margin borrowings may result in certain additional risks to a Client. For example, if securities pledged to brokers to secure a Client's margin accounts decline in value, the Client could be subject to a "margin call", pursuant to which it must either deposit additional funds with the broker or be the subject of mandatory liquidation of the pledged securities to compensate for the decline in value. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory, or disciplinary events involving Balanced Wealth or its management persons. Balanced Wealth values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 328007. Item 10 – Other Financial Industry Activities and Affiliations Except as noted below, Balanced Wealth does not maintain any affiliations with other firms, other than contracted service providers to assist with the servicing of its Client’s accounts. Insurance Agency Affiliations As noted in Item 5, certain Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from an Advisory Person’s role with Main Advisory. As an insurance professional, the Advisory Person may receive customary commissions and other related revenues from the various insurance companies whose products are sold. Advisory Persons are not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 14  advisory fees. This may cause a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by an Advisory Person. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio with one or more Independent Managers. The Advisor does not receive any compensation nor does this present a material conflict of interest. The Advisor will only earn its wealth management fee as described in Item 5.A. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Balanced Wealth has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with Balanced Wealth (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to the Client. Balanced Wealth and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Balanced Wealth’ Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (440) 871-6501. B. Personal Trading with Material Interest Balanced Wealth allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Balanced Wealth does not act as a principal in any transactions. In addition, the Advisor does not act as the general partner of a fund or advise an investment company. Balanced Wealth does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Balanced Wealth allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by Balanced Wealth requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”). The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Balanced Wealth allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will Balanced Wealth, or any Supervised Person of Balanced Wealth, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Balanced Wealth does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Balanced Wealth to direct trades to the Custodian as agreed upon in the wealth management agreement. Further, Balanced Wealth does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 15  Where Balanced Wealth does not exercise discretion over the selection of the Custodian, it may recommend the Custodian[s] to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost associated with using a custodian not recommended by Balanced Wealth. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. Balanced Wealth may recommend the Custodian based on criteria such as, but not limited to, the reasonableness of commissions charged to the Client, services made available to the Client, and its reputation and/or the location of the Custodian’s offices. Balanced Wealth will generally recommend that Clients establish their account[s] at Fidelity Clearing and Custody Solutions and related divisions and entities of Fidelity Investments, Inc., including National Financial Services LLC, and Fidelity Brokerage Services LLC (collectively “Fidelity”), a FINRA-registered broker-dealer and member SIPC. Fidelity will serve as the Client’s “qualified custodian.” Balanced Wealth maintains an institutional relationship with Fidelity, whereby the Advisor receives economic benefits from Fidelity. Balanced Wealth has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. Access to the Fidelity platform is provided at no charge to the Advisor. The Fidelity platform includes brokerage, custody, administrative support, record keeping, technology and related services designed to support registered investment advisors like Balanced Wealth in serving Clients. These services are intended to serve the best interests of the Advisor’s Clients. Fidelity may charge brokerage commissions (securities transaction fees) for effecting certain securities transactions. Fidelity enables the Advisor to obtain certain no-load mutual funds without securities transaction fees and other no-load funds at nominal transaction charges. Fidelity’s commission rates are generally considered discounted from customary retail commission rates. However, the commissions and transaction fees charged by Fidelity may be higher or lower than those charged by other custodians and broker-dealers. Please see Item 14 below for additional information. Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Balanced Wealth does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see Item 14 below. 2. Brokerage Referrals - Balanced Wealth does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis,” where Balanced Wealth will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). Balanced Wealth will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. A Client may pay a commission that is higher than another qualified custodian might charge to effect the same transaction. The Advisor has determined in good faith that the commissions charged by Fidelity are reasonable in relation to the value of the brokerage and research services received. In seeking best execution, the determinative factor is not necessarily the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration the full range of the Custodian’s services, including the value of research provided, execution capability, commission rates, and responsiveness. Accordingly, although the Advisor will seek competitive rates, to the benefit of all Clients, it may not necessarily obtain the lowest possible commission rates for specific Client account transactions. Although the investment research products and Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 16  services that may be obtained by the Advisor will generally be used to service all of the Advisor’s Clients, they may not equally benefit all Clients. Please also see Item 14. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. Balanced Wealth will execute its transactions through the Custodian as authorized by the Client. Balanced Wealth may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Clients’ accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons of Balanced Wealth and periodically by the CCO. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Balanced Wealth if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic, or political events. C. Review Reports The Client will receive brokerage statements generally monthly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions, and fees relating to the Client’s account[s]. The Advisor may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by Balanced Wealth Balanced Wealth is a fee-based advisory firm that is compensated solely by its Clients and not from any investment product. Balanced Wealth does not receive commissions or other compensation from product sponsors, broker-dealers or any unrelated third party. Balanced Wealth may refer Clients to various unaffiliated, non-advisory professionals (e.g., attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, Balanced Wealth may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform As noted in item 12, Balanced Wealth has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. As part of the arrangement, Fidelity also makes available to the Advisor, at no additional charge to the Advisor, certain research and brokerage services, including research services obtained by Fidelity directly from independent research companies. The Advisor may also receive additional services and support from Fidelity. As a result of receiving such services for no additional cost, the Advisor may have an incentive to continue to use or expand the use of Fidelity's services. The Advisor examined this potential Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 17  conflict of interest when it chose to enter into the relationship with Fidelity and has determined that the relationship is in the best interests of the Advisor’s Clients and satisfies its Client obligations, including its duty to seek best execution. Please see Item 12 above. The Advisor receives access to software and related support without cost because the Advisor renders wealth management services to Clients that maintain assets at Fidelity The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. In addition, Fidelity has provided the Advisor with financial support in the launch of the Advisor and reimbursements for various third-party service providers. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Balanced Wealth group does recommend Henton & Associates and Newcomb CPA to Clients in need of tax preparation services. The tax preparation services provided by Henton & Associates and Newcomb CPA are separate and distinct from advisory services offered by the Advisor. These services require typical compensation. There are no referral fee arrangements between the Advisor and Henton & Associates and Newcomb CPA. No Balanced Wealth Group, LLC Client is obligated to use Henton & Associates or Newcomb CPA for any tax preparation services and conversely no accounting client is obligated to use services of the Advisor. Henton & Associates and Newcomb CPA do not include the authority to sign checks or otherwise disburse funds on any Client’s behalf. Balanced Wealth group does recommend using Wealth.com for basic estate planning services. The estate planning services provided by Wealth.com are separate and distinct from advisory services. These services require typical compensation. There are no referral fee arrangements between the Advisor and Wealth.com. No Balanced Wealth Group, LLC Client is obligated to use Wealth.com for any estate document preparation services and conversely no wealth.com client is obligated to use the services of the Advisor. Item 15 – Custody Balanced Wealth does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Balanced Wealth exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Balanced Wealth to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Balanced Wealth to ensure accuracy, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. Money Movement Authorization - For instances where Clients authorize Balanced Wealth to move funds between their accounts, Balanced Wealth and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion Balanced Wealth generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Balanced Wealth. The discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of a wealth management Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 18  agreement containing all applicable limitations to such authority. All discretionary trades made by Balanced Wealth will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities Balanced Wealth does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies. However, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Balanced Wealth, nor its management, have any adverse financial situations that would reasonably impair the ability of Balanced Wealth to meet all obligations to its Clients. Neither Balanced Wealth, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. Balanced Wealth is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 19  Balanced Wealth Group, LLC Form ADV Part 2A – Appendix 1 (“Wrap Fee Program Brochure”) Effective: February 19, 2025 This Form ADV2A - Appendix 1 (“Wrap Fee Program Brochure”) provides information about the qualifications and business practices for Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”) services when offering services pursuant to a wrap program. This Wrap Fee Program Brochure shall always be accompanied by the Balanced Wealth Disclosure Brochure, which provides complete details on the business practices of the Advisor. If you did not receive the complete Balanced Wealth Disclosure Brochure or you have any questions about the contents of this Wrap Fee Program Brochure or the Balanced Wealth Disclosure Brochure, please contact the Advisor at (440) 871-6501. Balanced Wealth is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Wrap Fee Program Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Wrap Fee Program Brochure provides information about Balanced Wealth to assist you in determining whether to retain the Advisor. Additional information about Balanced Wealth and its advisory persons are available on the SEC’s website at www.adviserinfo.sec.gov by searching the Advisor’s firm name or CRD# 328007. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 20  Item 2 – Material Changes Form ADV 2A - Appendix 1 provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. In particular, this Wrap Fee Program Brochure discusses the Wrap Fee Program offered by the Advisor. Material Changes There have been no material changes to this Disclosure Brochure since the last annual amendment filing on February 8, 2024. Future Changes From time to time, the Advisor may amend this Wrap Fee Program Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Wrap Fee Program Brochure (along with the complete Balanced Wealth Disclosure Brochure) or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of Balanced Wealth. At any time, you may view this Wrap Fee Program Brochure and the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching for the Advisor’s firm name or CRD# 328007. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (440) 871-6501. Item 3 – Table of Contents Item 2 – Material Changes Item 3 – Table of Contents Item 4 – Services Fees and Compensation Item 5 – Account Requirements and Types of Clients Item 6 – Portfolio Manager Selection and Evaluation Item 7 – Client Information Provided to Portfolio Managers Item 8 – Client Contact with Portfolio Managers Item 9 – Additional Information 17 17 18 19 19 21 21 21 Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 21  Item 4 – Services Fees and Compensation A. Services Balanced Wealth Group, LLC (Balanced Wealth” or the “Advisor”) provides customized wealth management services for its Clients. This Wrap Fee Program Brochure is provided as a supplement to the Balanced Wealth Disclosure Brochure (Form ADV 2A). This Wrap Fee Program Brochure is provided along with the complete Disclosure Brochure to provide full details of the business practices and fees when selecting Balanced Wealth as your investment advisor. As part of the management fees noted in Item 5 of the Disclosure Brochure, Balanced Wealth includes securities transaction fees (herein “Covered Costs”) as part of the overall management fee. Securities regulations often refer to this combined fee structure as a “Wrap Fee Program”. The sole purpose of this Wrap Fee Program Brochure is to provide additional disclosure relating the combination of Covered Costs into a single “bundled” management fee. This Wrap Fee Program Brochure references back to the Balanced Wealth Disclosure Brochure in which this Wrap Fee Program Brochure serves as an Appendix. Please see Item 4 – Advisory Services of the Disclosure Brochure for details on Balanced Wealth’ investment philosophy and related services. B. Program Costs Management services provided by Balanced Wealth are offered in a wrap fee structure whereby Covered Costs are included in the overall management fee paid to Balanced Wealth. As the level of activity in a Client’s account[s] may vary from year to year, the annual cost to the Client may be more or less than engaging for advisory services where the Covered Costs are borne separately by the Client. The cost of the Wrap Fee Program varies depending on services to be provided to each Client, however, the Client is not charged more if there is higher trading activity or other Covered Costs. A Wrap Fee structure presents a conflict of interest as the Advisor is incentivized to limit the number of trades placed in the Client’s account[s] or to utilize securities that do not have transaction fees. Therefore, the Advisor is incentivized to utilize ETFs and other equity securities to limit the overall cost to the Advisor. The Advisor will only place Client assets into a Wrap Fee Program when it is believed to be in the Client’s best interest. Please see Item 5 – Fees and Compensation of the Disclosure Brochure for complete details on fees. C. Fees Fees are paid monthly in arrears based on the average daily balance in the accounts during the month. Fees range from 0.50% to 1.50% annually, pursuant to the terms of the wealth management agreement or investment management agreement. Fees are based on several factors, including: the scope and complexity of the services to be provided; the level of assets to be managed; and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. The fee in the first month of service is prorated from the inception date of the account[s] to the end of the first month. Fees may be negotiable at the sole discretion of the Advisor. In certain circumstances, the Advisor may charge a fixed annual fee for its services. The Client’s fees will take into consideration the aggregate assets under management with the Advisor across all accounts, unless otherwise agreed in writing. All securities held in accounts managed by Balanced Wealth will be independently valued by the Custodian. Balanced Wealth will not have the authority or responsibility to value portfolio securities. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. Clients may make additions to and withdrawals from their account[s] at any time, subject to Balanced Wealth’ right to terminate an account. Additions may be in cash or securities provided that Balanced Wealth reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Balanced Wealth, subject to the usual and customary securities settlement procedures. However, Balanced Wealth designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Balanced Wealth may Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 22  consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they may be subject to transaction fees, fees assessed at the mutual fund level (i.e. contingent deferred sales charge) and/or tax ramifications. As noted above, the Wrap Fee Program includes Covered Costs incurred in connection with the discretionary management services provided by Balanced Wealth, as part of its overall management fee. In addition, all fees paid to Balanced Wealth for management services or part of the Wrap Fee Program are separate and distinct from the expenses charged by mutual funds and exchange-traded funds (“ETFs”) to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. In connection with the discretionary management services provided by Balanced Wealth, the Client will incur other costs assessed by the Custodian or other third parties, other than the Covered Costs noted above, such as wire transfer fees, fees for trades executed away from the Custodian, Independent Manager fees, and/or other fees. The Advisor does not control nor share in these fees. The Client should review both the fees charged by the fund[s] and the fees charged by Balanced Wealth to fully understand the total fees to be paid. Please see Item 5.C. – Other Fees and Expenses in the Disclosure Brochure (included with this Wrap Fee Program Brochure). D. Compensation Balanced Wealth is the sponsor and portfolio manager of this Wrap Fee Program. Balanced Wealth receives wealth management fees paid by Clients for participating in the Wrap Fee Program and pays the Covered Costs associated with the management of the Client’s account[s]. Item 5 – Account Requirements and Types of Clients Balanced Wealth offers wealth management services and investment management services to individuals, high net worth individuals, trusts, estates, charitable organizations, and businesses. Balanced Wealth generally does not impose a minimum account size for establishing a relationship. Please see Item 7 – Types of Clients in the Disclosure Brochure for additional information. Item 6 – Portfolio Manager Selection and Evaluation Portfolio Manager Selection Balanced Wealth serves as sponsor and as portfolio manager for the services under this Wrap Fee Program. Related Persons Balanced Wealth personnel serve as portfolio managers for this Wrap Fee Program. Balanced Wealth does not serve as a portfolio manager for any third-party Wrap Fee Programs. Performance-Based Fees Balanced Wealth does not charge performance-based fees for its wealth management services. The fees charged by Balanced Wealth are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Balanced Wealth does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Supervised Persons Balanced Wealth Advisory Persons serve as portfolio managers for all accounts, including the services described in this Wrap Fee Program Brochure. Details of the advisory services provided are included in Item 4.A. of the Disclosure Brochure. Methods of Analysis Please see Item 8 of the Disclosure Brochure (included with this Wrap Fee Program Brochure) for details on the research and analysis methods employed by the Advisor. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 23  Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Balanced Wealth will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment strategies: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. There is also a risk that Authorized Participants are unable to fulfill their responsibilities. Authorized Participants are one of the major parties involved with ETF creation/redemption mechanism in the markets. The Authorized Participants play a critical role in the liquidity of ETFs and essentially have the exclusive right to change the supply of ETF shares in the market. If the Authorized Participants does not fulfill this expected role, there could be an adverse impact on liquidity and the valuation of an ETF. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e. the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e. the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e. the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e. the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e. the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 24  Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Margin Borrowings The use of short-term margin borrowings may result in certain additional risks to a Client. For example, if securities pledged to brokers to secure a Client's margin accounts decline in value, the Client could be subject to a "margin call", pursuant to which it must either deposit additional funds with the broker or be the subject of mandatory liquidation of the pledged securities to compensate for the decline in value. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Please see Item 8.B. – Risk of Loss in the Disclosure Brochure for details on investment risks. Proxy Voting Balanced Wealth does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 7 – Client Information Provided to Portfolio Managers Balanced Wealth is the sponsor and sole portfolio manager for the Program. The Advisor does not share Client information with other portfolio managers because it is the sole portfolio manager for this Wrap Fee Program. Please also see the Balanced Wealth Privacy Policy (included after this Wrap Fee Program Brochure). Item 8 – Client Contact with Portfolio Managers Balanced Wealth is a full-service investment management advisory firm. Clients always have direct access to the Portfolio Managers at Balanced Wealth. Item 9 – Additional Information A. Disciplinary Information and Other Financial Industry Activities and Affiliations There are no legal, regulatory or disciplinary events involving Balanced Wealth or its management persons. Balanced Wealth values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor or Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 328007. Please see Item 9 of the Balanced Wealth Disclosure Brochure as well as Item 3 of each Advisory Person’s Brochure Supplement (included with this Wrap Fee Program Brochure) for additional information on how to research the background of the Advisor and its Advisory Persons. Other Financial Activities and Affiliations Please see Item 10 – Other Financial Activities and Affiliation and Item 14 – Client Referrals and Other Compensation of the Form ADV Part 2A – Disclosure Brochure (included with this Wrap Fee Program Brochure). B. Code of Ethics, Review of Accounts, Client Referrals, and Financial Information Balanced Wealth has implemented a Code of Ethics that defines the Advisor’s fiduciary commitment to each Client. This Code of Ethics applies to all persons subject to Balanced Wealth’ compliance program (our “Supervised Persons”). Complete details on the Balanced Wealth Code of Ethics can be found under Item 11 – Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 25  Code of Ethics, Participation in Client Transactions and Personal Trading in the Disclosure Brochure (included with this Wrap Fee Program Brochure). Investments in Review of Accounts Client accounts are monitored on a regular and continuous basis by Advisory Persons of Balanced Wealth under the supervision of the Chief Compliance Officer (“CCO”). Details of the review policies and practices are provided in Item 13 of the Form ADV Part 2A – Disclosure Brochure. Other Compensation Participation in Institutional Advisor Platform Balanced Wealth will generally recommend that Clients establish their account[s] at Fidelity Clearing and Custody Solutions and related divisions and entities of Fidelity Investments, Inc., including National Financial Services LLC, and Fidelity Brokerage Services LLC (collectively “Fidelity”), a FINRA-registered broker-dealer and member SIPC. Fidelity will serve as the Client’s “qualified custodian.” Balanced Wealth maintains an institutional relationship with Fidelity, whereby the Advisor receives economic benefits from Fidelity. Balanced Wealth has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. Access to the Fidelity platform is provided at no charge to the Advisor. The Fidelity platform includes brokerage, custody, administrative support, record keeping, technology and related services designed to support registered investment advisors like Balanced Wealth in serving Clients. These services are intended to serve the best interests of the Advisor’s Clients. Balanced Wealth has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. As part of the arrangement, Fidelity also makes available to the Advisor, at no additional charge to the Advisor, certain research and brokerage services, including research services obtained by Fidelity directly from independent research companies. The Advisor may also receive additional services and support from Fidelity. As a result of receiving such services for no additional cost, the Advisor may have an incentive to continue to use or expand the use of Fidelity's services. The Advisor examined this potential conflict of interest when it chose to enter into the relationship with Fidelity and has determined that the relationship is in the best interests of the Advisor’s Clients and satisfies its Client obligations, including its duty to seek best execution. Please see Item 12 above. The Advisor receives access to software and related support without cost because the Advisor renders wealth management services to Clients that maintain assets at Fidelity The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. In addition, Fidelity has provided the Advisor with financial support in the launch of the Advisor and reimbursements for various third-party service providers. Please see Item 14 – Other Compensation in the Form ADV Part 2A – Disclosure Brochure (included with this Wrap Fee Program Brochure) for details on additional compensation that may be received by Balanced Wealth or its Advisory Persons. Each Advisory Person’s Brochure Supplement (also included with this Wrap Fee Program Brochure) provides details on any outside business activities and the associated compensation. Client Referrals from Solicitors The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Financial Information Neither Balanced Wealth, nor its management, have any adverse financial situations that would reasonably impair the ability of Balanced Wealth to meet all obligations to its Clients. Neither Balanced Wealth, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. Balanced Wealth is not required Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 26  to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 27  Form ADV Part 2B – Brochure Supplement for Matthew C. Daugherty, CFP®, CRPC®, ECA CEO/President Effective: April 15, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Matthew C. Daugherty, CFP®, CRPC®, ECA,(CRD# 4433690) in addition to the information contained in the Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”, CRD# 328007) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Balanced Wealth Disclosure Brochure or this Brochure Supplement, please contact us at (440) 871-6501. Additional information about Mr. Daugherty is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4433690. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 28  Item 2 – Educational Background and Business Experience Matthew C. Daugherty, CFP®, CRPC® ,ECA born in 1978, is dedicated to advising Clients of Balanced Wealth as its CEO/President. Mr. Daugherty earned a Bachelors of Business Administration from Ohio University in 2001. Additional information regarding Mr. Daugherty’s employment history is included below. Employment History: CEO/President, Balanced Wealth Group, LLC Private Wealth Advisor, Ameriprise Financial Services, LLC 11/2023 to Present 07/2001 to 11/2023 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Chartered Retirement Planning Counselor™ (“CRPC®”) Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post- retirement needs, asset management, estate planning, and the entire retirement planning process using models and techniques from real client situations. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 29  designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements. Equity Compensation Associate (ECA) Individuals who hold the ECA designation have completed the first level exam of the Certified Equity Professional (CEP) certification process. By obtaining the ECA designation, the individual has shown a basic understanding of corporations and the frameworks for; corporate governance and finance, an understanding of why corporations use equity compensation, the ability to differentiate between types of equity compensation, a working knowledge of the terminology of equity compensation plans, a familiarity with the basic administrative procedures necessary to effectively administer an equity compensation program, and the ability to read and interpret plan documents. In order to maintain the ECA, individuals are required to complete 30 hours of continuing education every 2 years to ensure designees are up-to-date with their knowledge on the evolving equity compensation field. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Daugherty. Mr. Daugherty has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Daugherty. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Daugherty. However, we do encourage you to independently view the background of Mr. Daugherty on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4433690. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Daugherty is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Daugherty’s role with Balanced Wealth. As an insurance professional, Mr. Daugherty will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Daugherty is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Daugherty or the Advisor. Mr. Daugherty spends less than 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Daugherty has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Daugherty serves as the CEO/President of Balanced Wealth and is supervised by Michelle Taylor, the Chief Compliance Officer. Ms. Taylor can be reached at (440) 871-6501. Balanced Wealth has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Balanced Wealth. Further, Balanced Wealth Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 30  is subject to regulatory oversight by various agencies. These agencies require registration by Balanced Wealth and its Supervised Persons. As a registered entity, Balanced Wealth is subject to examinations by regulators, which may be announced or unannounced. Balanced Wealth is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 31  Form ADV Part 2B – Brochure Supplement for Joshua R. Harrell, CFP®, CRPC® , ECA Partner/Lead Advisor Effective: April 15, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Joshua R. Harrell, CFP®, CRPC® , ECA, (CRD# 5556167) in addition to the information contained in the Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”, CRD# 328007) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Balanced Wealth Disclosure Brochure or this Brochure Supplement, please contact us at (440) 871-6501. Additional information about Mr. Harrell is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5556167. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 32  Item 2 – Educational Background and Business Experience Joshua R. Harrell, CFP®, CRPC® , ECA, born in 1988, is dedicated to advising Clients of Balanced Wealth as a Partner and Lead Advisor. Mr. Harrell earned a Bachelors in Business and Economics from The College of Wooster in 2011. Additional information regarding Mr. Harrell’s employment history is included below. Employment History: Partner/Lead Advisor, Balanced Wealth Group, LLC Financial Advisor, Ameriprise Financial Services, LLC 11/2023 to Present 04/2011 to 11/2023 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Chartered Retirement Planning Counselor™ (“CRPC®”) Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post- retirement needs, asset management, estate planning, and the entire retirement planning process using models and techniques from real client situations. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 33  designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements. Equity Compensation Associate (ECA) Individuals who hold the ECA designation have completed the first level exam of the Certified Equity Professional (CEP) certification process. By obtaining the ECA designation, the individual has shown a basic understanding of corporations and the frameworks for; corporate governance and finance, an understanding of why corporations use equity compensation, the ability to differentiate between types of equity compensation, a working knowledge of the terminology of equity compensation plans, a familiarity with the basic administrative procedures necessary to effectively administer an equity compensation program, and the ability to read and interpret plan documents. In order to maintain the ECA, individuals are required to complete 30 hours of continuing education every 2 years to ensure designees are up-to-date with their knowledge on the evolving equity compensation field. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Harrell. Mr. Harrell has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Harrell. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Harrell. However, we do encourage you to independently view the background of Mr. Harrell on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5556167. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Harrell is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Harrell’s role with Balanced Wealth. As an insurance professional, Mr. Harrell will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Harrell is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Harrell or the Advisor. Mr. Harrell spends less than 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Harrell has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Harrell serves as a Partner/Lead Advisor of Balanced Wealth and is supervised by Michelle Taylor, the Chief Compliance Officer. Ms. Taylor can be reached at (440) 871-6501. Balanced Wealth has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Balanced Wealth. Further, Balanced Wealth Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 34  is subject to regulatory oversight by various agencies. These agencies require registration by Balanced Wealth and its Supervised Persons. As a registered entity, Balanced Wealth is subject to examinations by regulators, which may be announced or unannounced. Balanced Wealth is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 35  Form ADV Part 2B – Brochure Supplement for Michelle L. Taylor, CRPC® Chief Operations Officer Chief Compliance Officer Financial Advisor Effective: February 19, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Michelle L. Taylor, CRPC® (CRD# 2638947) in addition to the information contained in the Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”, CRD# 328007) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Balanced Wealth Disclosure Brochure or this Brochure Supplement, please contact us at (440) 871-6501. Additional information about Mrs. Taylor is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 2638947. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 36  Item 2 – Educational Background and Business Experience Michelle L. Taylor, CRPC®, born in 1972, is dedicated to advising Clients of Balanced Wealth as the Chief Compliance Officer, Chief Operations Officer, and Financial Advisor. Mrs. Taylor earned a Bachelors of Business Administration from University of Kentucky in 1994. Additional information regarding Mrs. Taylor’s employment history is included below. 11/2023 to Present Employment History: Chief Operations Officer, Chief Compliance Officer, and Financial Advisor, Balanced Wealth Group, LLC Financial Advisor, Ameriprise Financial Services, LLC Director of Coaching/Advisor, Skylight Financial Group Advisor, Fairport Wealth/Luma Wealth Branch Manager, Charles Schwab Assistant Branch Manager, Fidelity Investments 01/2023 to 11/2023 01/2021 to 11/2022 10/2017 to 01/2021 07/2014 to 07/2017 05/2011 to 07/2014 Chartered Retirement Planning Counselor™ (“CRPC®”) Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post- retirement needs, asset management, estate planning, and the entire retirement planning process using models and techniques from real client situations. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. Taylor. Mrs. Taylor has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Taylor. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Taylor. However, we do encourage you to independently view the background of Mrs. Taylor on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 2638947. Item 4 – Other Business Activities Insurance Agency Affiliations Mrs. Taylor is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mrs. Taylor’s role with Balanced Wealth. As an insurance professional, Mrs. Taylor will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mrs. Taylor is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mrs. Taylor or the Advisor. Mrs. Taylor spends less than a 10% of her time per month in this capacity. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 37  Board of Directors Mrs. Taylor is also on a Board of Directors as the Trustee of Finance. Mrs. Taylor spends less than 5% of her time a month in this capacity. Co-Owner Mrs. Taylor is also the Co-Owner of Enterprise Collaboration Systems. Mrs. Taylor spends less than 5% of her time a month in the capacity. Item 5 – Additional Compensation Mrs. Taylor has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mrs. Taylor serves as Chief Operations Officer and Chief Compliance Officer of Balanced Wealth. Mrs. Taylor can be reached at (440) 871-6501. Balanced Wealth has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Balanced Wealth. Further, Balanced Wealth is subject to regulatory oversight by various agencies. These agencies require registration by Balanced Wealth and its Supervised Persons. As a registered entity, Balanced Wealth is subject to examinations by regulators, which may be announced or unannounced. Balanced Wealth is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 38  Form ADV Part 2B – Brochure Supplement for Matthew T. Gottshall, CFP® ,ECA Financial Advisor Effective: April 15, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Matthew T. Gottshall, CFP®, ECA (CRD# 6647963) in addition to the information contained in the Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”, CRD# 328007) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Balanced Wealth Disclosure Brochure or this Brochure Supplement, please contact us at (440) 871-6501. Additional information about Mr. Gottshall is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6647963. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 39  Item 2 – Educational Background and Business Experience Matthew T. Gottshall, CFP®, ECA, born in 1996, is dedicated to advising Clients of Balanced Wealth as a Financial Advisor. Mr. Gottshall earned Bachelors of Science and Business Administration in Finance from The Ohio State University in 2018. Additional information regarding Mr. Gottshall’s employment history is included below. Employment History: Financial Advisor, Balanced Wealth Group, LLC Paraplanner/Financial Advisor, Ameriprise Financial Services, LLC Accounting Teaching Assistant, The Ohio State University Financial Planning Intern, Daugherty, Sieverts Wealth Advisors 11/2023 to Present 06/2018 to 11/2023 08/2016 to 05/2018 06/2016 to 05/2018 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 40  Equity Compensation Associate (ECA) Individuals who hold the ECA designation have completed the first level exam of the Certified Equity Professional (CEP) certification process. By obtaining the ECA designation, the individual has shown a basic understanding of corporations and the frameworks for; corporate governance and finance, an understanding of why corporations use equity compensation, the ability to differentiate between types of equity compensation, a working knowledge of the terminology of equity compensation plans, a familiarity with the basic administrative procedures necessary to effectively administer an equity compensation program, and the ability to read and interpret plan documents. In order to maintain the ECA, individuals are required to complete 30 hours of continuing education every 2 years to ensure designees are up-to-date with their knowledge on the evolving equity compensation field. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Gottshall. Mr. Gottshall has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Gottshall. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Gottshall. However, we do encourage you to independently view the background of Mr. Gottshall on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6647963. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Gottshall is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Gottshall’s role with Balanced Wealth. As an insurance professional, Mr. Gottshall will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Gottshall is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Gottshall or the Advisor. Mr. Gottshall spends less than 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Gottshall has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Gottshall serves as a Financial Advisor of Balanced Wealth and is supervised by Michelle Taylor, the Chief Compliance Officer. Ms. Taylor can be reached at (440) 871-6501. Balanced Wealth has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Balanced Wealth. Further, Balanced Wealth is subject to regulatory oversight by various agencies. These agencies require registration by Balanced Wealth and its Supervised Persons. As a registered entity, Balanced Wealth is subject to examinations by regulators, which may be announced or unannounced. Balanced Wealth is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 41  Form ADV Part 2B – Brochure Supplement for Roger A. Potter, CRPC® Associate Financial Advisor Effective: February 19, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Roger A. Potter, CRPC® (CRD# 4548188) in addition to the information contained in the Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”, CRD# 328007) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Balanced Wealth Disclosure Brochure or this Brochure Supplement, please contact us at (440) 871-6501. Additional information about Mr. Potter is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4548188. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 42  Item 2 – Educational Background and Business Experience Roger A. Potter, CRPC®, born in 1963, is dedicated to advising Clients of Balanced Wealth as an Associate Financial Advisor. Mr. Potter earned an Associate of Arts from Lorain County Community College in 1987. Additional information regarding Mr. Potter’s employment history is included below. Employment History: Associate Financial Advisor, Balanced Wealth Group, LLC Associate Financial Advisor, Ameriprise Financial Services, LLC District Life and Financial Services Specialist, Farmers Financial Solutions 11/2023 to Present 07/2015 to 11/2023 05/2012 to 07/2015 Chartered Retirement Planning Counselor™ (“CRPC®”) Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post- retirement needs, asset management, estate planning, and the entire retirement planning process using models and techniques from real client situations. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Potter. Mr. Potter has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Potter. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Potter. However, we do encourage you to independently view the background of Mr. Potter on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4548188. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Potter is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Potter’s role with Balanced Wealth. As an insurance professional, Mr. Potter will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Potter is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Potter or the Advisor. Mr. Potter spends less than 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Potter has additional business activities where compensation is received that are detailed in Item 4 above. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 43  Item 6 – Supervision Mr. Potter serves as an Associate Financial Advisor of Balanced Wealth and is supervised by Michelle Taylor, the Chief Compliance Officer. Ms. Taylor can be reached at (440) 871-6501. Balanced Wealth has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Balanced Wealth. Further, Balanced Wealth is subject to regulatory oversight by various agencies. These agencies require registration by Balanced Wealth and its Supervised Persons. As a registered entity, Balanced Wealth is subject to examinations by regulators, which may be announced or unannounced. Balanced Wealth is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 44  Privacy Policy Effective: February 19, 2025 Our Commitment to You Balanced Wealth Group, LLC (“Balanced Wealth” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Balanced Wealth (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Balanced Wealth does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 45  To safeguard your personal information from unauthorized access and use, we maintain physical, procedural, and electronic security measures. These include such safeguards as secure passwords, encrypted file storage, and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. No Not Shared Marketing Purposes Balanced Wealth does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Balanced Wealth or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Yes Yes Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent(s) or representative(s). No Not Shared Information About Former Clients Balanced Wealth does not disclose and does not intend to disclose, non- public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at (440) 871-6501. Balanced Wealth Group, LLC Westlake, OH | Sandusky, OH | Canton, OH Phone: (440) 871-6501 | Fax: (440) 398-0477 Website: https://choosebalance.com Page 46