Carlsbad Wealth Advisory Group, Inc.

CARLSBAD WEALTH ADVISORY GROUP, INC. FIRM BROCHURE (PART 2A OF FORM ADV) 5927 Balfour Court, Suite 207, Carlsbad, California, 92008 (760) 607-0812 | www.carlsbadwealth.com | info@carlsbadwealth.com March 2026 This Firm Brochure provides information about the qualifications and business practices of Carlsbad Wealth Advisory Group, Inc. (Carlsbad Wealth, we, us, our, or firm). If you have any questions about the contents of this brochure, please contact us at (760) 607-0812. 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. Registration of an investment advisor does not imply a certain level of skill or training. Additional information about Carlsbad Wealth is also available on the SEC’s website at www.adviserinfo.sec.gov/firm/summary/146587. Carlsbad Wealth Advisory Group, Inc. Page 1 of 10  FORM ADV PART 2A Item 2: Material Changes The SEC requires all registered investment advisors under its supervision, including Carlsbad Wealth, to disclose annually or as they occur a summary of specific and significant changes within the Firm. Recent Material Changes ● Retirement of Founder: David George, who co-founded Carlsbad Wealth with Andrew Sontag in 2008, is retiring on March 31, 2026. ● Client Transition: All clients previously advised by David George will seamlessly transition to being advised by Andrew Sontag and Heather Sontag. ● Aside from this leadership transition, there have been no other material changes since our last annual update. The Firm offers information about its qualifications and business practices to clients on, at least, an annual basis. Pursuant to the SEC rules, clients will receive a summary of any material changes to this Brochure within 120 days of the Firm’s business fiscal year end (presently December 31) or more frequently based on materiality. The Firm may further provide other ongoing disclosure information about material changes, as necessary and will send clients a copy or offer to send clients a copy by electronic means (e-mail) or in hard copy form when requested. Carlsbad Wealth Advisory Group, Inc. Page 2 of 10  FORM ADV PART 2A Item 3: Table of Contents Item 2: Material Changes Recent Material Changes Item 3: Table of Contents Item 4: Advisory Business Firm History & Ownership Investment Supervisory Services Financial Planning Investment Types Wrap Fee Programs Assets Under Management Item 5: Fees and Compensation Fee Schedule Account Minimums Billing Practices Third-Party Fees Item 6: Performance-Based Fees and Side-By-Side Management Item 7: Types of Clients Item 8: Methods of Analysis, Investment Strategies, and Risk of Investment Loss Methods of Analysis Investment Strategies: The ETF Approach ETF Selection Criteria Risk of Investment Loss Item 9: Disciplinary Information Item 10: Other Financial Industry Activities and Affiliations Registrations Conflicts of Interest Third-Party Managers Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Material Financial Interests Personal Trading Item 12: Brokerage Practices Custodian Selection Benefits & Soft Dollars Directed Brokerage Block Trading Item 13: Reviews of Accounts Account Reviews Reporting Item 14: Client Referrals and Other Compensation Item 15: Custody Item 16: Investment Discretion Item 17: Voting Client Securities (Proxy Voting) Item 18: Financial Information Balance Sheet Financial Condition Bankruptcy 2 2 3 4 4 4 4 4 4 4 5 5 5 5 5 5 5 6 6 6 6 7 7 7 7 7 7 8 8 8 8 8 8 8 8 9 9 9 9 9 9 9 10 10 10 10 10 Carlsbad Wealth Advisory Group, Inc. Page 3 of 10  FORM ADV PART 2A Item 4: Advisory Business Firm History & Ownership Carlsbad Wealth has been in business since March 4, 2008. The firm's principal owners are Andrew Sontag and Heather Sontag. Investment Supervisory Services We offer ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. We request discretionary authority to select securities and execute transactions without client permission prior to each trade. Financial Planning We provide financial planning services that may include investment planning, life insurance, tax concerns, retirement planning, college planning, and estate planning. In offering financial planning, a conflict exists between the interests of the investment adviser and the interests of the client. The client is under no obligation to act upon the investment adviser’s recommendation, and, if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser. This statement is required by California Code of Regulations, 10 CCR Section 260.235.2. Investment Types We limit our investment advice and management to ETFs, mutual funds, equities, bonds, fixed income, debt securities, no-load annuities, and government securities. Wrap Fee Programs Carlsbad Wealth does not participate in, nor do we sponsor, any wrap fee programs. Assets Under Management As of December 31, 2025, Carlsbad Wealth manages $237,557,236 in discretionary assets and $0.00 in non-discretionary assets. Carlsbad Wealth Advisory Group, Inc. Page 4 of 10  FORM ADV PART 2A Item 5: Fees and Compensation Fee Schedule Our annual investment management fees are tiered based on your total assets under management: Total Assets Under Management Annual Fee First $500,000, plus 1.00% Next $2,500,000, plus 0.75% Next $7,000,000, plus 0.50% Amounts greater than $10,000,000 0.40% Account Minimums We generally require a minimum portfolio of $1,000,000 for new client households. If your average daily account balance falls below $250,000, we charge a minimum quarterly fee of $625. Billing Practices Investment management fees are billed quarterly in arrears. Fees are calculated by taking the average daily balance of your household’s accounts and multiplying it by one quarter of the applicable annual fee percentage rate. Fees are directly debited from your account(s) held with your custodian(s). Third-Party Fees Clients are responsible for the payment of all third-party fees, such as custodian fees, mutual fund fees, and transaction fees. Carlsbad Wealth does not receive any commissions or fees from any third parties. Item 6: Performance-Based Fees and Side-By-Side Management Carlsbad Wealth 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 Carlsbad Wealth generally provides investment advice and/or management supervisory services to the following Types of Clients: Individuals ● ● Corporate Pensions & Profit Sharing Plans ● High-Net-Worth Individuals ● Individual Retirement Plans ● Trusts ● Foundations ● Charitable Organizations ● Endowments ● Estates Carlsbad Wealth Advisory Group, Inc. Page 5 of 10  FORM ADV PART 2A Item 8: Methods of Analysis, Investment Strategies, and Risk of Investment Loss Methods of Analysis Our primary method of analysis centers around asset allocation rather than the selection of individual securities. In general, Carlsbad Wealth actively avoids investing in individual stocks. We believe that individual stock picking carries inherent complexity and poses extreme difficulty when attempting to consistently outperform large institutional organizations that employ full-time analysts to research a single security. Consequently, we do not utilize technical analysis (charting price and volume trends) in our practice. While we do employ some fundamental analysis to understand broader economic factors and asset class valuations, it is not the core driver of our daily investment management. Investment Strategies: The ETF Approach Instead of individual equities, Carlsbad Wealth focuses heavily on utilizing Exchange-Traded Funds (ETFs) to construct client portfolios. We invest client assets in ETFs to achieve broad market diversification, maintain low internal costs, and secure high liquidity. A significant strategic advantage to our ETF-centric approach is the ability to highly optimize tax-loss harvesting. Because the ETF marketplace offers numerous "near-equivalent" options tracking similar sectors or indexes, we can effectively sell a position to capture a tax loss while immediately reinvesting in a similar ETF. This allows clients to harvest valuable tax benefits without running afoul of wash-sale rules or materially altering the portfolio's target asset allocation. ETF Selection Criteria When analyzing and selecting specific ETFs for client portfolios, we apply a strict, sequential screening process: 1. Asset Class Coverage: Our first priority is to ensure the ETF accurately matches the specific asset class exposure we are targeting for the portfolio's overall allocation. 3. 2. Expense Ratio: We pay very close attention to the fund's internal costs. All else being equal, we heavily favor ETFs with the lowest possible expense ratios, as lower costs directly benefit net client returns. Internal Diversity: We look for ETFs that offer high diversity within their target asset class. A higher number of underlying holdings within the fund is preferred, as it mitigates concentration risk. 4. Liquidity: Finally, we evaluate the fund's liquidity by looking at its total Assets Under Management (AUM). We prefer ETFs with substantial AUM, which translates to a correspondingly higher volume of shares traded daily. High liquidity ensures we can enter and exit positions efficiently without being penalized by wide bid-ask spreads. Carlsbad Wealth Advisory Group, Inc. Page 6 of 10  FORM ADV PART 2A Risk of Investment Loss Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. It is important to remember that past performance is not a guarantee of future returns. While Carlsbad Wealth generally seeks investment strategies that do not involve significant or unusual risk beyond that of the general domestic and/or international equity markets, clients should be aware of the following specific risks: ● Market and ETF Risks: Because our primary strategy relies on Exchange-Traded Funds (ETFs), your portfolio is subject to market risk; the value of the ETFs will rise and fall with the broader markets or specific sectors they track. Furthermore, ETFs carry tracking error risk, meaning the fund's performance may not perfectly match the performance of its underlying index. Finally, during times of extreme market stress, ETFs can sometimes experience liquidity risk, causing them to trade at a premium or discount to their actual Net Asset Value (NAV). ● Trading Costs and Taxes: While our strategy aims to be tax-efficient, frequent trading, when done, can affect investment performance, particularly through increased brokerage and other transaction costs and taxes. ● Options Risk: In the rare instances where we utilize them, covered-call options writing generally holds a greater risk, and clients should be aware that there is a chance of material risk of loss using these strategies. Item 9: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 10: Other Financial Industry Activities and Affiliations Registrations Neither Carlsbad Wealth nor its representatives are registered as a broker/dealer or as representatives of a broker/dealer. Additionally, we are not registered as a Futures Commission Merchant (FCM), Commodity Pool Operator (CPO), or Commodity Trading Advisor (CTA). Conflicts of Interest Neither Carlsbad Wealth nor its representatives have any material relationships to this advisory business that would present a possible conflict of interest. All material conflicts of interest under Section 260.238(k) of the Corporations Code are disclosed. Third-Party Managers Carlsbad Wealth does not utilize nor select other advisors or third-party managers; all assets are managed by Carlsbad Wealth management. Carlsbad Wealth Advisory Group, Inc. Page 7 of 10  FORM ADV PART 2A Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Carlsbad Wealth has a written Code of Ethics covering areas such as prohibited purchases and sales, insider trading, conflicts of interest, and confidentiality. Clients may request a copy of our Code of Ethics from management. Material Financial Interests Carlsbad Wealth does not recommend that clients buy or sell any security in which a related person to Carlsbad Wealth has a material financial interest. Personal Trading Representatives of Carlsbad Wealth may buy or sell securities for themselves that they also recommend to clients, sometimes at or around the same time. To mitigate conflicts of interest, we will always transact client business before our own when similar securities are being bought or sold. Furthermore, we will not trade non-mutual fund or non-ETF securities 5 days prior to or 5 days after trading the same security for clients. Item 12: Brokerage Practices Custodian Selection We recommend that clients establish brokerage accounts with the Schwab Advisor Services division of Charles Schwab & Co., Inc., a registered broker-dealer, to maintain custody of assets and effect trades. Benefits & Soft Dollars Schwab provides us with access to its institutional trading and operations services. These include software and technology that facilitate trade execution, provide research, and assist with back-office support. While we receive these benefits at no cost or a reduced cost based on asset commitments, we place trades for client accounts subject to our duty to seek best execution and our other fiduciary duties. Our recommendation to use Schwab may be based in part on these benefits and not solely on the nature, cost, or quality of custody and execution services. Directed Brokerage We will not allow clients to direct us to use a specific broker-dealer to execute transactions; clients must use our recommended custodian. Because we require clients to use our specific custodian, we may be unable to achieve the most favorable execution of client transactions, which may cost clients more money compared to using a lower-cost custodian. Carlsbad Wealth Advisory Group, Inc. Page 8 of 10  FORM ADV PART 2A Block Trading We maintain the ability to block trade purchases across accounts but will rarely do so. We do not feel clients are at a disadvantage due to the best execution practices of our custodian. Item 13: Reviews of Accounts Account Reviews Client accounts are reviewed at least quarterly with regards to their investment policies and risk tolerance levels. Following David George's retirement, these reviews are conducted by Andrew Sontag and/or Heather Sontag. Non-periodic reviews may be triggered by material market, economic, or political events, or by changes in a client's financial situation (e.g., retirement, physical move, or inheritance). All financial planning accounts are reviewed upon plan creation and delivery. Reporting Each client will receive at least a quarterly written report detailing their account, which may come from the custodian. It is important for clients to carefully review account statements sent directly by the custodian. Quarterly reports sent by Carlsbad Wealth should be considered secondary, and while we strive for accuracy, they may not be error-free. Item 14: Client Referrals and Other Compensation Carlsbad Wealth does not receive any economic benefit from any third party for advice rendered to clients, nor do we currently compensate any person or entity for client referrals. Item 15: Custody While all client assets are held by a qualified custodian, primarily Schwab Advisor Services, Carlsbad Wealth retains third-party disbursement authority for some client accounts via a Standing Letter of Authorization (SLOA). Therefore, Carlsbad Wealth is considered to have limited custody of some client assets. Clients will receive account statements from the custodian and should carefully review those statements. Item 16: Investment Discretion For client accounts under ongoing supervision, the client has given Carlsbad Wealth written discretionary authority with respect to securities to be bought or sold and the amount of securities to be bought or sold. This authority is provided via a limited power of attorney in the Investment Advisory Contract and in the contract between the client and the custodian. Details are fully disclosed before any advisory relationship commences. Carlsbad Wealth Advisory Group, Inc. Page 9 of 10  FORM ADV PART 2A Item 17: Voting Client Securities (Proxy Voting) Carlsbad Wealth will accept voting authority for client securities in certain cases. When we do, we will always seek to vote in the best interests of our clients, holding their interests above our own. Clients may direct us on how to vote by communicating their wishes in writing or electronically. Clients may obtain our voting record by contacting us at the phone number or e-mail address listed on the cover page. Item 18: Financial Information Balance Sheet Carlsbad Wealth does not require nor solicit prepayment of client fees, and therefore does not need to include a balance sheet with this brochure. Financial Condition Neither Carlsbad Wealth nor its management have any financial conditions that are likely to reasonably impair its ability to meet contractual commitments to clients. Bankruptcy Carlsbad Wealth has not been the subject of a bankruptcy petition in the last ten years. Carlsbad Wealth Advisory Group, Inc. Page 10 of 10 

CARLSBAD WEALTH ADVISORY GROUP, INC. BROCHURE SUPPLEMENT (PART 2B OF FORM ADV) FOR ANDREW PHILLIP SONTAG Individual CRD: 4685106 Investment Adviser Representative 5927 Balfour Court, Suite 207, Carlsbad, California, 92008 (760) 607-0812 | www.carlsbadwealth.com | info@carlsbadwealth.com March 2026 This brochure supplement provides information about Andrew Phillip Sontag that supplements the Carlsbad Wealth Advisory Group, Inc. brochure. You should have received a copy of that brochure. Please contact Andrew Phillip Sontag if you did not receive Carlsbad Wealth Advisory Group, Inc.’s brochure or if you have any questions about the contents of this supplement. Additional information about Andrew Phillip Sontag is also available on the SEC’s website at www.adviserinfo.sec.gov. Carlsbad Wealth Advisory Group, Inc. Page 1 of 3  Item 2: Educational Background and Business Experience Name: Andrew Phillip Sontag Born: 1982 Education Background and Professional Designations: Education: BA Finance, University of Minnesota Duluth – 2005 Designations: CFP® - Certified Financial Planner 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 62,000 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, administered in 10 hours over a two-day period, 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® certification. Carlsbad Wealth Advisory Group, Inc. Page 2 of 3  Business Background: 2008 – Present Chief Investment Officer/Chief Compliance Officer Carlsbad Wealth Advisory Group, Inc. 2006 – 2008 Financial Advisor Ameriprise Financial Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Andrew is not engaged in any investment-related business or occupation (other than this advisory firm). Item 5: Additional Compensation Other than direct compensation from Carlsbad Wealth, Andrew does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services. Item 6: Supervision Andrew P. Sontag serves as the Chief Investment Officer and Chief Compliance Officer of Carlsbad Wealth Advisory Group, Inc. Because he is a principal owner and the firm's Chief Compliance Officer, Mr. Sontag does not have a direct supervisor. He is responsible for his own supervision and the administration of the firm's compliance program. While Mr. Sontag works closely with the firm's other principal, Heather Sontag, to review client advice prior to implementation, Mr. Sontag retains ultimate supervisory authority. He can be reached at (760) 607-0812. Carlsbad Wealth Advisory Group, Inc. Page 3 of 3 

CARLSBAD WEALTH ADVISORY GROUP, INC. BROCHURE SUPPLEMENT (PART 2B OF FORM ADV) FOR Heather Morgan-Wildonger SONTAG Individual CRD: 7205987 Investment Adviser Representative 5927 Balfour Court, Suite 207, Carlsbad, California, 92008 (760) 607-0812 | www.carlsbadwealth.com | info@carlsbadwealth.com March 2026 This brochure supplement provides information about Heather Morgan-Wildonger Sontag that supplements the Carlsbad Wealth Advisory Group, Inc. brochure. You should have received a copy of that brochure. Please contact Heather Morgan-Wildonger Sontag, if you did not receive Carlsbad Wealth Advisory Group, Inc.’s brochure or if you have any questions about the contents of this supplement. Additional information about Heather Morgan-Wildonger Sontag is also available on the SEC’s website at www.adviserinfo.sec.gov. Carlsbad Wealth Advisory Group, Inc. Page 1 of 3  Item 2: Educational Background and Business Experience Name: Heather Morgan-Wildonger Sontag Born: 1989 Education Background and Professional Designations: Education: Bachelor of Science in Business Administration Option: Accountancy California State University San Marcos – 2013 Designations: CFP® - Certified Financial Planner 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 62,000 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, administered in 10 hours over a two-day period, 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® certification. Carlsbad Wealth Advisory Group, Inc. Page 2 of 3  Business Background: 2020 – Present Chief Financial Officer Carlsbad Wealth Advisory Group, Inc. 2016 – 2021 Accountant Solar Turbines Incorporated 2012 – 2016 Managerial Accountant TGG Accounting Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Heather is not engaged in any investment-related business or occupation (other than this advisory firm). Item 5: Additional Compensation Other than direct compensation from Carlsbad Wealth, Heather does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services. Item 6: Supervision Heather Sontag is supervised by Andrew P. Sontag, Chief Investment Officer and Chief Compliance Officer of Carlsbad Wealth Advisory Group, Inc. While Heather serves as the firm's Chief Financial Officer and the two principals work closely together to review client advice prior to implementation, Andrew Sontag retains ultimate supervisory authority and is responsible for administering the firm's compliance program. He can be reached at (760) 607-0812. Carlsbad Wealth Advisory Group, Inc. Page 3 of 3 

CARLSBAD WEALTH ADVISORY GROUP, INC. BROCHURE SUPPLEMENT (PART 2B OF FORM ADV) FOR Matthew Ty Brayer Individual CRD: 7811250 Investment Adviser Representative 5927 Balfour Court, Suite 207, Carlsbad, California, 92008 (760) 607-0812 | www.carlsbadwealth.com | info@carlsbadwealth.com March 2026 This brochure supplement provides information about Matthew Ty Brayer that supplements the Carlsbad Wealth Advisory Group, Inc. brochure. You should have received a copy of that brochure. Please contact Matthew Ty Brayer, if you did not receive Carlsbad Wealth Advisory Group, Inc.’s brochure or if you have any questions about the contents of this supplement. Additional information about Matthew Ty Brayer is also available on the SEC’s website at www.adviserinfo.sec.gov. Carlsbad Wealth Advisory Group, Inc. Page 1 of 2  Item 2: Educational Background and Business Experience Name: Matthew Ty Brayer Born: 2000 Education Background and Professional Designations: Education: Bachelor of Science in Business Economics University of California San Diego – 2023 Business Background: 2023 – Present Paraplanner / Associate Advisor Carlsbad Wealth Advisory Group, Inc. Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Matthew is not engaged in any investment-related business or occupation (other than this advisory firm). Item 5: Additional Compensation Other than direct compensation from Carlsbad Wealth, Matthew does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services. Item 6: Supervision Matthew T. Brayer is supervised by Andrew P. Sontag, Chief Investment Officer and Chief Compliance Officer of Carlsbad Wealth Advisory Group, Inc. Mr. Sontag is responsible for overseeing Mr. Brayer's advisory activities and administering the firm's compliance program. He can be reached at (760) 607-0812. Carlsbad Wealth Advisory Group, Inc. Page 2 of 2