ADV PART 2A

MYeCFO, LLC d/b/a MYeCFO Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of MYeCFO, LLC. If you have any questions about the contents of this brochure, please contact us at (650) 231-4609 or by email at: advisors@myecfo.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about MYeCFO, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. MYeCFO, LLC’s CRD number is: 166919. February 28, 2026 6020 La Jolla Hermosa Avenue La Jolla, California, 92037 (650) 231-4609 advisors@myecfo.com www.myecfo.com Registration does not imply a certain level of skill or training.  Item 2: Material Changes There have not been any material changes made since our last brochure dated February 28, 2025. • I  Item 3: Table of Contents Item 1: Cover Page Item 2: Material Changes ..............................................................................................................................................................................................i Item 3: Table of Contents..............................................................................................................................................................................................ii Item 4: Advisory Business............................................................................................................................................................................................ 1 A. Description of the Advisory Firm..................................................................................................................................................................... 1 B. Types of Advisory Services ................................................................................................................................................................................ 1 C. Client Tailored Services and Client Imposed Restrictions ............................................................................................................................ 3 D. Wrap Fee Programs ............................................................................................................................................................................................ 3 E. Amounts Under Management...........................................................................................................................................................................3 Item 5: Fees and Compensation .................................................................................................................................................................................. 3 A. Fee Schedule ........................................................................................................................................................................................................ 3 B. Payment of Fees ................................................................................................................................................................................................... 4 Payment of Investment Supervisory Fees ....................................................................................................................................................... 4 Payment of Financial Planning Fees ................................................................................................................................................................ 4 C. Clients Are Responsible For Third Party Fees ................................................................................................................................................ 5. D. Prepayment of Fees............................................................................................................................................................................................. 5 E. Outside Compensation For the Sale of Securities to Clients ......................................................................................................................... 5 Item 6: Performance-Based Fees and Side-By-Side Management.......................................................................................................................... 5 Item 7: Types of Clients ................................................................................................................................................................................................ 5 Minimum Account Size ..................................................................................................................................................................................... 6 Item 8: Methods of Analysis, Investment Strategies, and Risk of Investment Loss ............................................................................................ 6 A. Methods of Analysis and Investment Strategies.................................................................................................................................... 6 B. Material Risks Involved............................................................................................................................................................................. 6 C. Risks of Specific Securities Utilized ......................................................................................................................................................... 7. Item 9: Disciplinary Information................................................................................................................................................................................. 8 A. Criminal or Civil Actions .......................................................................................................................................................................... 8 B. Administrative Proceedings ..................................................................................................................................................................... 8 C. Self-regulatory Organization (SRO) Proceedings .................................................................................................................................. 8 Item 10: Other Financial Industry Activities and Affiliations …............................................................................................................................. 8 A. Registration as a Broker/Dealer or Broker/Dealer Representative.................................................................................................... 8 B. Registration as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor................... 9 C. Registration Relationships Material to this Advisory Business and Possible Conflicts of Interests .............................................. 9 D. Selection of Other Advisers or Managers and How This Adviser is Compensated for Those Selections .................................... 9. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...................................................................... 9 A. Code of Ethics ............................................................................................................................................................................................. 9 B. Recommendations Involving Material Financial Interests................................................................................................................... 10 C. Investing Personal Money in the Same Securities as Clients ............................................................................................................... 10. D. Trading Securities At/Around the Same Time as Clients’ Securities ................................................................................................ 10 Item 12: Brokerage Practices ...................................................................................................................................................................................... 10 A. Factors Used to Select Custodians and/or Broker/Dealers............................................................................................................... 10.  1. Research and Other Soft-Dollar Benefits.......................................................................................................................................... 10 2. Brokerage for Client Referrals............................................................................................................................................................ 10 3. Clients Directing Which Broker/Dealer/Custodian to Use.......................................................................................................... 11 B. Aggregating (Block) Trading for Multiple Client Accounts .............................................................................................................. 11 Item 13: Reviews of Accounts.................................................................................................................................................................................... 11 A. Frequency and Nature of Periodic Reviews and Who Makes Those Reviews................................................................................ 11 B. Factors That Will Trigger a Non-Periodic Review of Client Accounts............................................................................................. 11. C. Content and Frequency of Regular Reports Provided to Clients...................................................................................................... 12. Item 14: Client Referrals and Other Compensation ............................................................................................................................................... 12 A. Economic Benefits Provided by Third Parties for Advice Rendered to Clients (Includes Sales Awards or Other Prizes) ...... 12 B. Compensation to Non – Advisory Personnel for Client Referrals .................................................................................................... 12 Item 15: Custody.......................................................................................................................................................................................................... 12 Item 16: Investment Discretion.................................................................................................................................................................................. 12 Item 17: Voting Client Securities (Proxy Voting) .................................................................................................................................................... 13 Item 18: Financial Information .................................................................................................................................................................................. 13 A. Balance Sheet............................................................................................................................................................................................. 13 B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients ............................... 13 C. Bankruptcy Petitions in Previous Ten Years …..................................................................................................................................... 13 ii  Item 4: Advisory Business A. Description of the Advisory Firm MYeCFO, LLC is a Limited Liability Company organized in the state of California. The firm was formed in January of 2013, and the principal owners are Martin Raul Curiel and Michael Robert Munson. B. Types of Advisory Services MYeCFO, LLC (hereinafter “MYeCFO”) offers the following services to advisory clients: Full-Service Consulting Services The MYeCFO team provides comprehensive advisory services across the areas of investments, taxes, and wealth management. Investments: MYeCFO offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. MYeCFO creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client’s specific situation. Investment Supervisory Services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring MYeCFO evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. MYeCFO offers both discretionary and non-discretionary investment services: Discretionary Investment Management Clients engage MYeCFO to handle all aspects of their investment portfolio – asset allocation, security selection, execution, performance monitoring, and rebalancing. Clients give MYeCFO full authority to execute a particular investment plan according to their stated guidelines and constraints, which we can help define. We use a third-party custodian such as Charles Schwab or other financial institution that the client designates. MYeCFO does not hold client assets directly. Non-Discretionary Investment Management Clients can also hire MYeCFO for general investment consulting advice and recommendations without execution authority. We serve as a sounding board and objective third-party to help 1  the client make the most informed decision regarding investment strategy. Although the ultimate decision is made by the client, we may be asked to implement the client’s requests. TAX STRATEGY: MYeCFO works closely with our client’s tax accountants to design and implement cost saving strategies, such as: • Prepare tax documents and file tax returns on behalf of clients • Providing an additional review and opinion related to the filing of all state and federal tax Returns Maximizing investment asset location efficiency • Designing and implementing tax loss harvesting strategies • Recommending tax efficient investment vehicles and financial products • Advising on effective charitable contributions MYeCFO clients leverage our partnerships with numerous tax professionals, including CPAs and Estate Attorneys, to execute specialized services. In addition, the Principals are registered to prepare taxes in the State of California as of January 1, 2017, and may sign off on returns from time to time. WEALTH MANAGEMENT: MYeCFO helps clients execute and manage any personal finance issue that he/she faces. A client may provide MYeCFO with a list of prioritized projects, which we then help take from beginning to end. We will accomplish the project ourselves and/or leverage a vetted network of external advisors, including Bankers, Estate Attorneys, Insurance Specialists, Real estate Agents, Brokers, Education Consultants, CPAs, and Career Coaches. We don’t take commission, referral fees, or other remuneration from our partners. General Consulting Engagements From time to time and for convenience purposes, our clients might engage us for specific project such as creating a financial plan, bookkeeping, payroll, and accounting services, educational workshops, and other related projects. The fees for these engagements are separate from asset based fees. Services Limited to Specific Types of Investments MYeCFO generally provides investment advice and/or money management with respect to mutual funds, equities, bonds, fixed income, debt securities, ETFs, real estate, REITs, insurance products including annuities, and government securities. MYeCFO may use other securities as well to help diversify a portfolio when applicable. 2  C. Client Tailored Services and Client Imposed Restrictions MYeCFO offers the same suite of services to all its clients. However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent MYeCFO from properly servicing the client account, or if the restrictions would require MYeCFO to deviate from its standard suite of services, MYeCFO reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. MYeCFO does not participate in any wrap fee programs. E. Amounts Under Management MYeCFO manages approximately $263.4 Million as of 12/31/2025. Item 5: Fees and Compensation A. Fee Schedule MYeCFO standard fee structure is 1.25% of Assets Under Management (AUM) / year, payable quarterly. There is a standard minimum annual fee of $10,000, which may also be waived or negotiated. These fees are negotiable depending upon the needs of the client and complexity of the situation. Fees are paid quarterly in arrears, and clients may terminate their contracts with thirty days’ written notice. Because fees are charged in arrears, no refund policy is necessary. Clients may terminate their accounts without penalty within five business days of signing the advisory contract. Upon termination, fees will be pro-rated up to the date of termination. Advisory fees are withdrawn directly from the client’s accounts with client written authorization. Lower fees for comparable services may be available from other sources. 3  For all fees being withdrawn directly from client accounts, MYeCFO will provide a statement to the client showing the amount of the fee being deducted, the value of the client’s assets upon which this fee was based, and the specific manner in which the fee was calculated. It is the client’s responsibility to verify the accuracy of the fee calculation, as the custodian will not do so, and client should review every statement. We calculate fees quarterly using the daily market values of each account whenever the data is readily available. If the data is not available, we use to start and ending market values to determine fees. Regardless of the methodology used, we will upload a spreadsheet or other document to the client’s Box folder (or another secured storage medium) that provides details on how the fees were determined for the quarter. General Consulting Engagements Hourly Fees Standard fees for Advisors and other team members are always published here: www.myecfo.com/hourly The fees are negotiable and a depending on the scope of work, a custom contract may need to be executed (e.g. when the engagement involves non-investment advisory work). B. Payment of Fees Payment of Investment Supervisory Fees Advisory fees are withdrawn directly from the client’s accounts with the client’s written authorization. Fees are paid quarterly in arrears. Advisory fees may also be invoiced and billed directly to the client quarterly in arrears. The fees may also be automatically withdrawn for the convenience of the client. Clients may select the method in which they are billed. Payment of Financial Planning Fees Hourly and consulting engagement fees are paid via check or credit card. Payments could be made in arrears upon completion of the engagement, as a refundable retainer, a percentage of project completion, or any other arrangement agreeable to both parties. 4  C. Clients Are Responsible For Third Party Fees Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged by MYeCFO. Please see Item 12 of this brochure regarding broker/custodian. D. Prepayment of Fees MYeCFO collects its fees in arrears for investment supervisory fees. It may collect fees in advance for non-investment supervisory projects and work. The fees may or may not be refundable depending on the specific agreement with the client. E. Outside Compensation For the Sale of Securities to Clients Neither MYeCFO nor its supervised persons accept any compensation for the sale of securities or other investment products, including asset-based sales charges or services fees from the sale of mutual funds. Item 6: Performance-Based Fees and Side-By-Side Management MYeCFO does not accept performance-based fees or other fees based on a share of capital gains on or capital appreciation of the assets of a client. Item 7: Types of Clients MYeCFO generally provides investment advice and/or management supervisory services to the following types of clients: ❖ Individuals ❖ High-Net-Worth Individuals ❖ Businesses ❖ Non-Profits 5  Minimum Account Size We have minimum assets under management of $1 million, which may be waived under certain circumstances. Item 8: Methods of Analysis, Investment Strategies, and Risk of Investment Loss A. Methods of Analysis and Investment Strategies - The starting point of MYeCFO analysis is to determine the client’s risk profile. - The allocation of stocks, bonds, and cash is the key methodology for building a portfolio and managing risk. - Once the allocation is determined, we move to product selection. - On the stock component, we start with a global market index. With regard to the bond component, we typically look for U.S.-issued bonds. - Using macroeconomic trends and financial modeling with various proprietary tools, we determine if there are opportunities to deviate from the global index, which we consider the most passive way to invest. Deviations occur at the regional level (e.g. U.S. vs. International, International Developed vs Emerging Markets), countries, styles, sectors, and other segments of the investment teams determine. - We generally recommend Index Funds, ETFs, and other passive-type products to implement the recommendations that our clients agree to. B. Material Risks Involved - - We believe that the most important description of risk is what a “worst case” scenario might look like at the portfolio level and individual security level over various time frames. For example, a broad U.S. market index could be down 50% in a given year, while an individual security’s worst- case scenario is 100%. We look at historical trends and our proprietary tool at myecfo.com/allocations to give us a sense of what may occur in the future on the downside. - We emphasize that past returns are not necessarily an indication of future returns, and that investing always involves risk. 6  C. Risks of Specific Securities Utilized MYeCFO generally seeks investment strategies that do not involve significant or unusual risk beyond that of the general domestic and/or international equity markets. However, it will utilize short sales, margin transactions, and options writing. Short sales, margin transactions, and options writing generally hold greater risk of capital loss and clients should be aware that there is a material risk of loss using any of those strategies. The investment types listed below (leaving aside Treasury Inflation Protected/Inflation Linked Bonds) are not guaranteed or insured by the FDIC or any other government agency. Mutual Funds: Investing in mutual funds carries the risk of capital loss and thus you may lose money investing in mutual funds. All mutual funds have costs that lower investment returns. They can be of bond “fixed income” nature (lower risk) or stock “equity” nature (mentioned above). Equity investment generally refers to buying shares of stocks by an individual or firms in return for receiving a future payment of dividends and capital gains if the value of the stock increases. There is an innate risk involved when purchasing a stock that it may decrease in value and the investment may incur a loss. Treasury Inflation Protected/Inflation Linked Bonds: The Risk of default on these bonds is dependent upon the U.S. Treasury defaulting (extremely unlikely); however, they carry a potential risk of losing share price value, albeit rather minimal. Fixed Income is an investment that guarantees fixed periodic payments in the future that may involve economic risks such as inflationary risk, interest rate risk, default risk, repayment of principal risk, etc. Debt securities carry risks such as the possibility of default on the principal, fluctuation in interest rates, and counterparties being unable to meet obligations. Stocks & Exchange Traded Funds (ETF): Investing in stocks & ETF's carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Real Estate funds face several kinds of risk that are inherent in this sector of the market. Liquidity risk, market risk and interest rate risk are just some of the factors that can influence the gain or loss that is passed on to the investor. Liquidity and market risk tend to have a greater effect on funds that are more growth-oriented, as the sale of appreciated properties depends upon market demand. Conversely, interest rate risk impacts the amount of dividend income that is paid by income-oriented funds. REITs have specific risks including valuation due to cash flows, dividends paid in stock rather than cash, and the payment of debt resulting in dilution of shares. Precious Metal ETFs (Gold, Silver, Palladium Bullion backed “electronic shares” not physical metal): Investing in precious metal ETFs carries the risk of capital loss. 7  Long term trading is designed to capture market rates of both return and risk. Due to its nature, the long-term investment strategy can expose clients to various other types of risk that will typically surface at various intervals during the time the client owns the investments. These risks include but are not limited to inflation (purchasing power) risk, interest rate risk, economic risk, market risk, and political/regulatory risk. Short term trading risks include liquidity, economic stability and inflation. Short sales risks include the upward trend of the market and the infinite possibility of loss. Margin transactions use leverage that is borrowed from a brokerage firm as collateral. Options writing involve a contract to purchase a security at a given price, not necessarily at market value, depending on the market. Past performance is not a guarantee of future returns. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Item 9: Disciplinary Information A. Criminal or Civil Actions There are no criminal or civil actions to report. B. Administrative Proceedings There are no administrative proceedings to report. C. Self-regulatory Organization (SRO) Proceedings There are no self-regulatory organization proceedings to report. Item 10: Other Financial Industry Activities and Affiliations 8  A. Registration as a Broker/Dealer or Broker/Dealer Representative Neither MYeCFO nor its representatives are registered as or have pending applications to become a broker/dealer or as representatives of a broker/dealer. B. Registration as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor Neither MYeCFO nor its representatives are registered as or have pending applications to become a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor. C. Registration Relationships Material to this Advisory Business and Possible Conflicts of Interests Michael Robert Munson is a Portfolio Manager at Denali Advisors. Clients are in no way required to implement the plan through any representative of MYeCFO, LLC in such individuals’ outside capacities. MYeCFO, LLC always acts in the best interest of the client. All material conflicts of interest are disclosed regarding the investment adviser, its representatives or any of its employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. D. Selection of Other Advisers or Managers and How This Adviser is Compensated for Those Selections MYeCFO does not utilize nor select other advisers or third party managers. All assets are managed by MYeCFO management. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics MYeCFO has a written Code of Ethics that covers the following areas: Prohibited Purchases and Sales, Insider Trading, Personal Securities Transactions, Exempted Transactions, Prohibited Activities, Conflicts of Interest, Gifts and Entertainment, Confidentiality, Service on a Board of Directors, Compliance Procedures, Compliance with Laws and Regulations, Procedures and Reporting, Certification of Compliance, Reporting Violations, Compliance Officer Duties, Training and Education, Recordkeeping, Annual Review, and Sanctions. Our Code of Ethics is available free upon request to any client or prospective client. 9  B. Recommendations Involving Material Financial Interests MYeCFO does not recommend that clients buy or sell any security in which a related person to MYeCFO or MYeCFO has a material financial interest. C. Investing Personal Money in the Same Securities as Clients From time to time, representatives of MYeCFO may buy or sell securities for themselves that they also recommend to clients. This may provide an opportunity for representatives of MYeCFO to buy or sell the same securities before or after recommending the same securities to clients resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest. MYeCFO will always document any transactions that could be construed as conflicts of interest and will always transact client business before their own when similar securities are being bought or sold. D. Trading Securities At/Around the Same Time as Clients’ Securities From time to time, representatives of MYeCFO may buy or sell securities for themselves at or around the same time as clients. This may provide an opportunity for representatives of MYeCFO to buy or sell securities before or after recommending securities to clients resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest. MYeCFO will always transact client’s transactions before its own when similar securities are being bought or sold. Item 12: Brokerage Practices A. Factors Used to Select Custodians and/or Broker/Dealers MYeCFO generally recommends Schwab and E*Trade for client accounts. The Custodian, Schwab Institutional, a division of Charles Schwab & Co., Inc., (CRD # 5393), was chosen based on their relatively low transaction fees and access to mutual funds and ETFs. MYeCFO will never charge a premium or commission on transactions, beyond the actual cost imposed by Custodian. E*Trade is a secondary custodian that was chosen primarily for the convenience of clients using it already. 1. Research and Other Soft-Dollar Benefits MYeCFO receives no research, product, or services other than execution from a broker-dealer or third-party in connection with client securities transactions (“soft dollar benefits”). 2. Brokerage for Client Referrals MYeCFO receives no referrals from a broker-dealer or third party in exchange for using that broker-dealer or third party. 10  3. Clients Directing Which Broker/Dealer/Custodian to Use MYeCFO allows clients to direct brokerage: however, MYeCFO may recommend custodians. MYeCFO may be unable to achieve most favorable execution of client transactions if clients choose to direct brokerage. This may cost clients’ money because without the ability to direct brokerage MYeCFO may not be able to aggregate orders to reduce transactions costs resulting in higher brokerage commissions and less favorable prices. Not all investment advisers allow their clients to direct brokerage. B. Aggregating (Block) Trading for Multiple Client Accounts MYeCFO maintains the ability to block trade purchases across accounts. Block trading may benefit a large group of clients by providing MYeCFO the ability to purchase larger blocks resulting in smaller transaction costs to the client. Declining to block trade can cause more expensive trades for clients. Item 13: Reviews of Accounts A. Frequency and Nature of Periodic Reviews and Who Makes Those Reviews Client accounts are reviewed at least monthly only by Michael Munson, Managing Member. Martin Raul Curiel is the Chief Compliance Officer and is instructed to review clients’ accounts with regard to clients’ respective investment policies and risk tolerance levels. All accounts at MYeCFO are assigned to this reviewer. All financial planning accounts are reviewed upon financial plan creation and plan delivery by Martin Raul Curiel, Managing Member. There is only one level of review and that is the total review conducted to create the financial plan. B. Factors That Will Trigger a Non-Periodic Review of Client Accounts Reviews may be triggered by material market, economic or political events, or by changes in client's financial situations (such as retirement, termination of employment, physical move, or inheritance). 11  C. Content and Frequency of Regular Reports Provided to Clients Each client will receive at least quarterly from the custodian, a written report that details the client’s account including assets held and asset value which will come from the custodian. Item 14: Client Referrals and Other Compensation A. Economic Benefits Provided by Third Parties for Advice Rendered to Clients (Includes Sales Awards or Other Prizes) MYeCFO does not receive any economic benefit, directly or indirectly from any third party for advice rendered to MYeCFO clients. B. Compensation to Non – Advisory Personnel for Client Referrals Currently, MYeCFO does not directly or indirectly compensate any person who is not advisory personnel for client referrals. Item 15: Custody MYeCFO, with client written authority, has limited custody of client’s assets through direct fee deduction of MYeCFO’s fees only. If the client chooses to be billed directly the custodian, MYeCFO would have constructive custody over that account and must have written authorization from the client to do so. Clients will receive all account statements and billing invoices that are required in each jurisdiction, and they should carefully review those statements for accuracy. Item 16: Investment Discretion For those client accounts where MYeCFO will have investment discretion, the client has given MYeCFO written discretionary authority over the client’s accounts with respect to securities to be bought or sold and the amount of securities to be bought or sold. Details of this relationship are fully disclosed to the client before any advisory relationship has commenced. The client provides MYeCFO discretionary authority via a discretionary investment management clause in the Investment Advisory Contract and/or a limited power of attorney clause in the contract between the client and the custodian. 12  Item 17: Voting Client Securities (Proxy Voting) MYeCFO will not ask for, nor accept voting authority for client securities. Clients will receive proxies directly from the issuer of the security or the custodian. Clients should direct all proxy questions to the issuer of the security. Item 18: Financial Information A. Balance Sheet MYeCFO does not require nor solicit prepayment of more than $500 in fees per client, six months or more in advance and therefore does not need to include a balance sheet with this brochure. B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients Neither MYeCFO nor its management have any financial conditions that are likely to reasonably impair our ability to meet contractual commitments to clients. C. Bankruptcy Petitions in Previous Ten Years MYeCFO has not been the subject of a bankruptcy petition in the last ten years. 13