CENTERPIECE WEALTH ADVISOR

Item 1: Cover Page Firm Brochure: Form ADV Part 2A Centerpiece Wealth Advisor 6400 S Fiddlers Green Cir Ste. 300 Greenwood Village, CO 80111 720-296-5495 www.centerpiecewealthadvisors.com February 26, 2026 This brochure provides information about the qualifications and business practices of Centerpiece Wealth Advisor. If you have any questions about the contents of this brochure, please contact us at 720-409-3176. 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 as an Investment Adviser does not imply a certain level of skill or training. Additional information about Centerpiece Wealth Advisor also is available on the SEC’s website at www.adviserinfo.sec.gov, CRD #296956.  Item 2: Material Changes Since the last annual version of this Brochure, dated January 20, 2025, the following are material changes: • Item 4: Advisory Business has been amended to report current assets under management, and to indicate the assets under management requirement of $2 million for tax filing service. 2  Item 3: Table of Contents Item 1: Cover Page ....................................................................................................................................... 1 Item 2: Material Changes ............................................................................................................................. 2 Item 3: Table of Contents ............................................................................................................................. 3 Item 4: Services ............................................................................................................................................ 4 Item 5: Fees and Compensation ................................................................................................................... 5 Item 6: Performance-Based Fees and Side-by-Side Management ............................................................... 6 Item 7: Types of Clients ................................................................................................................................ 6 Item 8: Methods of Analysis, Investment Strategies, and Risk of Loss ........................................................ 6 Item 9: Disciplinary Information ................................................................................................................... 7 Item 10: Other Financial Industry Activities and Affiliations ........................................................................ 8 Item 11: Code of Ethics, Participation in Client Transactions, and Personal Trading ................................... 8 Item 12: Brokerage Practices ....................................................................................................................... 8 Item 13: Review of Accounts ........................................................................................................................ 9 Item 14: Client Referrals and Other Compensation ................................................................................... 10 Item 15: Custody ........................................................................................................................................ 10 Item 16: Investment Discretion .................................................................................................................. 10 Item 17: Voting Client Securities ................................................................................................................ 10 Item 18: Financial Information ................................................................................................................... 10 Brochure Supplement for Jason Baer ......................................................................................................... 11 Brochure Supplement for Aaron Leatherwood .......................................................................................... 14 3  Item 4: Services Description of Services Centerpiece Wealth Advisor in 2018 to help the families we serve to protect, preserve, grow, and pass on their wealth for generations to enjoy. The firm is owned by Jason Baer and Aaron Leatherwood. Planning Services Centerpiece Wealth Advisor (“Centerpiece,” “We,” “Us,” “the Firm”) provides comprehensive financial planning services to assist clients in the management of life and wealth goals. After consulting with each client, we provide a written plan based on the client's individual needs, goals and objectives. This strategy can address: üInvestment Planning üRisk Management and Insurance Planning üBanking and Credit Management üRetirement Planning üTax Planning üTax Filing* üExecutive Compensation üPlanning for Incapacity üCharitable/Philanthropic giving üEducation and Family Support/Governance üTitling and Beneficiary Designations üExecutor and Trustee Selection üDistribution of Estate We meet periodically with each client to discuss and update the strategy, and we implement the strategy through our asset management services. Wealth Management Services Our tailored and customized strategies take into account your liquidity needs, tax efficiency needs and suitability requirements. Asset management services will follow a written Investment Policy Statement agreed to with each client. We can accommodate reasonable restrictions and preferences on the strategies recommended in your Investment Policy Statement. If requested restrictions do not allow latitude to implement the strategies, we may not be able to provide asset management services. All of our clients participate in our Wrap Fee Program, described in a separate Brochure, therefore there is no difference in how we manage client accounts – we have no non-Wrap Fee Program clients. As of December 31, 2025, we manage $113,063,000 in discretionary assets and $25,534,000 in non- discretionary assets, for a total of $138,597,000 in our Wrap Fee Program. We do not manage any assets outside our Wrap Fee Program. * Tax Filing is offered for clients with more than $2,000,000 in assets under management, and does not include business returns or returns that include real estate investment property, or returns with extensive K-1s. 4  Item 5: Fees and Compensation We provide our services for one fee including financial planning, asset management, transaction and trading costs (a “Wrap Fee”), as follows: Total Assets Under Management up to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 to $3,000,000 $3,000,001 to $4,000,000 $4,000,001 to $5,000,000 $5,000,001 to $6,000,000 $6,000,001 and above Annual Fee (% of Assets Managed) 1.2% 1.1% 1.0% 0.9% 0.8% 0.7% 0.6% Fees are calculated on average daily balance, accumulated, and deducted from client accounts in arrears at the end of each calendar quarter. Clients may pay fees by direct deduction from accounts, or by check. See Item 15: Custody, for more information about direct deduction of fees. There is a $2,250 minimum quarterly fee to open an account with Centerpiece. This minimum may be waived at the sole discretion of Centerpiece. Clients who have total accounts of less than $750,000 will therefore be paying over 1.2% for asset management and are advised that similar services may be available for lower cost through other advisory firms. All fees are negotiable at the discretion of Centerpiece. Neither Centerpiece nor any of our representatives provide legal advice. We will partner with your tax and legal professionals as needed, at your request. Wrap Program Cost The Wrap Program may cost the client more than or less than paying for trading and transaction costs separately from an advisory fee. Additional Fees Clients in the Wrap Fee Program will not have to pay separately for transaction or trading fees. However, you are still responsible for other account fees, such as SEC Section 31 Activity Assessment Fees, annual IRA fees to the custodian, transition fees if the account is moved to another broker, or internal mutual fund fees such as management, distribution, and management fees, as applicable. Compensation to Firm and Representatives Neither Centerpiece, nor any of its representatives receive any additional compensation beyond advisory fees for your participation in this program. We provide advisory services only through this Wrap Fee Program. 5  Item 6: Performance-Based Fees and Side-by-Side Management Centerpiece 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, and therefore does not engage in side-by-side management. Item 7: Types of Clients We provide services to wealthy families, business owners and affluent professionals. There is a $2,250 minimum quarterly fee to open an account with Centerpiece. This minimum may be waived at the sole discretion of Centerpiece. Item 8: Methods of Analysis, Investment Strategies, and Risk of Loss Methods of Analysis and Investment Strategies Our investment process is based on the financial plan, written strategy, and Investment Policy Statement that we develop for each client. We select investments for client portfolios using fundamental analysis. Fundamental analysis is a method of evaluating an investment to measure its intrinsic value by examining related economic, financial and other qualitative and quantitative factors. Fundamental analysis studies anything that can affect the investment’s value, including macroeconomic and microeconomic factors. Macroeconomic factors include the overall domestic/global economic output, unemployment, inflation, industry conditions to geopolitical tension. Microeconomic factors include the study of the company management, the competitive edge comparative to peers, and the company’s overall financial condition. The end goal of a fundamental analysis is to produce a quantitative value to compare with a security’s current price, thus indicating whether the security is undervalued or overvalued. Financial Planning Risks The financial planning process employs assumptions for future growth based on past historical trends in volatility and returns, as well as current valuations and expected returns. Results may vary, and future investment returns are subject to factors such as inflation rates, bond yields, economic factors, and market fluctuation. Growth assumptions may not be met, and market or economic factors may cause investments made based on our recommendations to underperform or lose value, and you could lose money. Investment Strategy Risks Although we manage your portfolio in a manner consistent with your risk tolerances and other factors identified in your Investment Policy Statement, there can be no guarantee that our efforts will be successful. You should be prepared to bear the risk of loss. Fundamental analysis concentrates on factors that determine a company's value and expected future earnings. This strategy seeks to purchase investments that are undervalued or priced below their 6  perceived value, either on a value or growth expectation. However, the overall market or specific investment may fail to reach expectations or perceived value. Risks of Specific Investments 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 internal costs that lower investment returns. Mutual funds can be fixed income (bonds), equity (stock), or a blend. Mutual funds may not attain the investment objectives stated in their prospectuses, may drift from the “style” for which they were originally purchased, and fund management may change without notice. Equities (Stocks): Stocks are purchased in expectation of a future dividends and/or capital gains if the price of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry conditions and the general economic environments. Fixed Income (Bonds): Bonds are purchased in expectation of interest and principal payments a fixed schedule. This type of investment can include corporate and government debt securities, leveraged loans, high yield, and investment grade debt and structured products, such as mortgage and other asset-backed securities. The fixed income market can fluctuate. Fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Exchange Traded Funds (ETFs): An ETF is an investment fund traded on stock exchanges, similar to stocks. Risks include the lack of transparency in products and increasing complexity, conflicts of interest and the possibility of inadequate regulatory compliance. Commodity ETFs (e.g., gold, petroleum, currency, etc.) carry the same risks as the underlying commodity markets. ETFs may trade at a premium or discount that may not be realized at the time of sale. Non-U.S. Securities: International investments carry risks such as currency fluctuation, political and economic change, social unrest, changes in government regulation, differences in accounting and less- accurate public information available in some countries. Diversification and asset allocation do not ensure a profit or protect against a loss. Investing in securities involves risk of loss that you should be prepared to bear. There can be no guarantee that any approach to investing will result in a desired outcome. Item 9: Disciplinary Information Centerpiece does not have any legal or disciplinary events to disclose. 7  Item 10: Other Financial Industry Activities and Affiliations Neither the firm nor any associate has any other industry activities or affiliations. Item 11: Code of Ethics, Participation in Client Transactions, and Personal Trading We have adopted a code of ethics that sets forth standards of conduct and required compliance with securities laws. A copy of our code of ethics is available to any client or prospective client upon request. Associates of Centerpiece will not trade the same securities recommended to our clients 2 business days prior and after to mitigate any conflicts of interests. Front running (trading shortly ahead of clients) is prohibited. We have a duty to clients to exercise our authority and responsibility for the benefit of our clients, and to act in clients’ best interest. We periodically review personal securities transactions to ensure that our policies are followed, and that we act in clients’ best interests. When we provide investment advice to you regarding your retirement plan account or individual retirement account (IRA), we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. * It should be noted that the fiduciary duties enumerated above do not differ from those we observe in all our advisory activities. Item 12: Brokerage Practices We directly manage all investment portfolios for our clients. All client assets are custodied at Fidelity. Below, we discuss our brokerage practices. 8  Selection of Custodian We require the custodial and brokerage services of Fidelity. This requirement is based on research and comparisons with other custodial firms. Factors that were considered include, minimizing commissions, quality of executions for clients, the platform of services offered to Centerpiece, services offered to clients such as online access, banking features, reporting, and account insurance. In seeking best execution through Fidelity Investments, the determinative factor is not only the lowest possible cost, but whether the transaction represents the best qualitative execution, taking into consideration, the full range of custodian services, including historical relationship, reputation, financial strength, the value of research provided, execution capability, commission rates, and responsiveness. It should be noted that clients do not bear the costs of trade execution through Fidelity. These costs are borne by Centerpiece and are covered by the overall Wrap Fee for all clients. Centerpiece receives a trading and portfolio management interface and research from Fidelity that is not available to retail investors. This presents an incentive for Centerpiece to require clients to use Fidelity as custodian and creates a conflict of interest. This conflict is primarily mitigated by acting in our clients’ best interest as required by our fiduciary duty, and by the fact that our clients do not directly bear the cost of Fidelity’s custodial services. We selected this custodian on the basis that we believe, on the whole, Fidelity’s services are in our clients’ best interest. Brokerage for Client Referrals We do not receive client referrals from Fidelity, our custodian, with which we have an institutional advisory arrangement. Directed Brokerage We do not allow clients to direct the execution of trades to a particular brokerage, nor do we execute trades at another firm from the custodian. Trade Aggregation Due to the highly customized management of each client’s investments, we are unable to aggregate trades for multiple clients into one trade execution. Item 13: Review of Accounts Centerpiece will perform an initial review of all accounts under its management and will perform periodic reviews thereafter. The initial review will assess the client’s overall financial situation, attempt to determine the client’s risk profile and risk tolerance, determine the client’s long-term financial goals, explain our investment approach, and review the current balances and investments in your account. Centerpiece will conduct reviews at least quarterly. We will provide quarterly (or at a frequency agreed upon by our client) portfolio review reports that will be uploaded to the client portal and we will provide in-person or conference call reviews quarterly (or at a frequency agreed upon by the client) to review the portfolios directly with our clients. The custodian of the clients’ accounts will send statements at least quarterly. Additionally, Centerpiece will review client accounts prior to and following any trades in individual securities or any large withdrawal or additions to the client’s account to ensure the account 9  still meets the client’s investment objectives. Reviews may also be triggered by market factors, events likely to materially influence markets, or upon request. Reviews are conducted by Aaron Leatherwood or Jason Baer. Item 14: Client Referrals and Other Compensation We do not pay anyone for referring clients to us, nor are we paid by anyone for referring clients to them. Item 15: Custody We do not maintain physical custody of any client funds or securities. Client assets are maintained at Fidelity, who will send statements directly to clients no less than quarterly. Clients are urged to carefully review Fidelity statements. Item 16: Investment Discretion Centerpiece offers investment management on either discretionary or non-discretionary basis. Prior to managing client assets on a discretionary basis, clients will grant discretionary authority in their client agreement. Item 17: Voting Client Securities Centerpiece 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. We will offer proxy guidance upon client request. Clients may also direct proxy questions to the issuer of the security. Item 18: Financial Information Centerpiece does not require or solicit the payment of more than $1200 in fees per client, six months or more in advance. Centerpiece does not have any financial conditions that may impair our ability to meet our contractual obligations to our clients. 10  Form ADV Part 2B Brochure Supplement for Jason Baer Centerpiece Wealth Advisor 6400 S Fiddlers Green Cir Ste. 300 Greenwood Village, CO 80111 720-296-5495 www.centerpiecewealthadvisors.com March 2026 This brochure supplement provides information about Jason Baer that supplements the Centerpiece Wealth Advisor brochure. You should have received a copy of that brochure. Please contact Jason at 720-409-3176 if you did not receive the Centerpiece Wealth Advisor brochure or if you have any questions about the contents of this supplement. Additional information about Jason Baer is available on the SEC’s website at www.adviserinfo.sec.gov.. Jason Baer’s Central Registration Depository (CRD) number is #5392411. 11  Item 2: Educational Background and Business Experience Jason Baer CFP® CWS® Year of Birth: 1982 Formal Education • Bachelor of Science, Business, Metropolitan State University of Denver Business Background • Founder, Centerpiece Wealth Advisor, 2018 to present • Senior Portfolio Consultant, Charles Schwab 2014-2018 • Associate Portfolio Consultant, Schwab Private Client Investment Advisory Inc 2012-2014 • Associate Portfolio Consultant, Charles Schwab and Co. Inc, 2011-2011 • Brokerage Service Rep, Charles Schwab and Co. Inc, 2011-2011 • Customer Service Rep, Charles Schwab and Co. Inc, 2010-2010 • Senior Administrator, Charles Schwab and Co, Inc, 2007-2010 Professional Designations About the Certified Financial Planner™ (CFP®) Designation 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 12  • 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. About the Certified Wealth Strategist® (“CWS”) Designation The Certified Wealth Strategist® designation, issued by Cannon Financial Institute, is designed to create a holistic practice management for financial professionals. The Certified Wealth Strategist® utilizes a blended learning approach that includes instructor-led training, 13 Wealth Management Issues study guides, online mastery exams, conversation skill builders and eLessons. The learning experience culminates with a Capstone Project: a written document demonstrating a sustainable framework which applies the new knowledge and skills to the practitioner’s business. The program provides the knowledge, the practice management formula, and the critical client interaction skills to create and build a dynamic Wealth Advisory practice that works effectively with complex client issues. Item 3: Disciplinary Information Jason Baer has no disciplinary information to disclose. Item 4: Other Business Activities Jason Baer has no outside business activities to disclose. Item 5: Additional Compensation Jason Baer does not receive any economic benefit other than advisory fees for providing advisory services to clients of Centerpiece Wealth Advisor. Item 6: Supervision Jason Baer is Chief Compliance Officer of Centerpiece Wealth Advisor, and supervises the firm’s compliance with all applicable securities regulations, and will adhere to the firm’s policies and procedures in his own activities. 13  Form ADV Part 2B Brochure Supplement for Aaron Leatherwood Centerpiece Wealth Advisor 6400 S Fiddlers Green Cir Ste. 300 Greenwood Village, CO 80111 720-296-5495 www.centerpiecewealthadvisors.com March 2026 This brochure supplement provides information about Aaron Leatherwood that supplements the Centerpiece Wealth Advisor brochure. You should have received a copy of that brochure. Please contact Jason Baer at 720-409-3176 if you did not receive the Centerpiece Wealth Advisor brochure or if you have any questions about the contents of this supplement. Additional information about Aaron Leatherwood is available on the SEC’s website at www.adviserinfo.sec.gov. Aaron Leatherwood’s Central Registration Depository (CRD) number is #6290648. 14  Item 2: Educational Background and Business Experience Aaron Leatherwood CPA, PFS, CFP® CWS®, MS Year of Birth: 1985 Formal Education • Bachelor of Science, Business Administration emphasis in Accounting, University of Colorado Denver • Master of Science, Personal Financial Planning, College for Financial Planning Business Background • Managing Partner and Chief Wealth Strategist, Centerpiece Wealth Advisor, 2021 to present • Adjunct Professor, College for Financial Planning, 2014 to present • Client Wealth Strategist, Destiny Capital Corporation, 2019 – 2021 • Client Wealth Strategist, Destiny Capital Securities Corp, 2019 – 2021 • Sr. Private Client Advisor, Schwab Private Client Investment Advisor, 2015 – 2019 • Sr. Private Client Advisor, Charles Schwab & Co Inc, 2015 – 2019 • Wealth Advisor, Frontier Wealth Management LLC, 2015 – 2015 • Advisor, Comprehensive Personal Financial Advisor LLC, 2007 - 2015 Professional Designations Certified Public Accountant (CPA): Individuals are licensed as Certified Public Accountants by their state boards of accountancy. While state laws and regulations vary, the education, experience and testing requirements for licensure as a CPA generally include: • Hold a bachelor's degree from an accredited institution with a concentration in accounting and minimum 150 credit hours. • Complete at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA. • Successful passage of the Uniform CPA Examination. • Completion of 40 hours of continuing professional education (CPE), on average, each year. • Agree to and adhere to a Code of Professional Conduct which requires that they act with integrity, objectivity, due care, competence, fully disclose any conflicts of interest, maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. 15  Personal Financial Specialist (PFS): The PFS credential demonstrates that an individual has met the minimum education, experience and testing required of a CPA in addition to a minimum level of expertise in personal financial planning. To attain the PFS credential, a candidate must: • Hold an unrevoked CPA license. • Fulfill 3,000 hours of personal financial planning business experience. • Complete 80 hours of personal financial planning CPE credits. • Pass a comprehensive financial planning exam. • Be an active member of the AICPA. • Agree to and adhere to AICPA’s Code of Professional Conduct, and is encouraged to follow AICPA’s Statement on Responsibilities in Financial Planning Practice. • Complete 60 hours of financial planning CPE credits every 3 years. About the Certified Financial Planner™ (CFP®) Designation 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. 16  • 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. About the Certified Wealth Strategist® (“CWS”) Designation The Certified Wealth Strategist® designation, issued by Cannon Financial Institute, is designed to create a holistic practice management for financial professionals. The Certified Wealth Strategist® utilizes a blended learning approach that includes instructor-led training, 13 Wealth Management Issues study guides, online mastery exams, conversation skill builders and eLessons. The learning experience culminates with a Capstone Project: a written document demonstrating a sustainable framework which applies the new knowledge and skills to the practitioner’s business. The program provides the knowledge, the practice management formula, and the critical client interaction skills to create and build a dynamic Wealth Advisory practice that works effectively with complex client issues. Item 3: Disciplinary Information Aaron Leatherwood has no disciplinary information to disclose. Item 4: Other Business Activities Aaron Leatherwood is an adjunct professor for The College for Financial Planning. From time-to-time, Aaron teaches online courses covering financial planning and retirement planning topics. Aaron Leatherwood also volunteers on the board of Spark the Change, a non-profit organization in Colorado. Item 5: Additional Compensation Aaron Leatherwood does not receive any economic benefit other than advisory fees for providing advisory services to clients of Centerpiece Wealth Advisor. Item 6: Supervision Aaron Leatherwood is supervised by Jason Baer, Chief Compliance Officer of Centerpiece Wealth Advisor. Mr. Baer may be reached at 720-409-3176. 17 

Item 1: Cover Page Firm Brochure – Wrap Fee Program: Form ADV Part 2A, Appendix 1 Centerpiece Wealth Advisor 6400 S Fiddlers Green Cir Ste. 300 Greenwood Village, CO 80111 720-296-5495 www.centerpiecewealthadvisors.com February 26, 2026 This wrap fee program brochure provides information about the qualifications and business practices of Centerpiece Wealth Advisor. If you have any questions about the contents of this brochure, please contact us at 720-409-3176. 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 as an Investment Adviser does not imply a certain level of skill or training. Additional information about Centerpiece Wealth Advisor also is available on the SEC’s website at www.adviserinfo.sec.gov, CRD #296956.  Item 2: Material Changes Since the last annual version of this Brochure dated January 20, 2025, the following are material changes: • • Item 4: Services, Fees, and Compensation has been amended to indicate the assets under management requirement of $2 million for tax filing service. Item 6: Portfolio Manager Selection and Evaluation has been amended to report current assets under management. 2  Item 3: Table of Contents Item 1: Cover Page ....................................................................................................................................... 1 Item 2: Material Changes ............................................................................................................................. 2 Item 3: Table of Contents ............................................................................................................................. 3 Item 4: Services, Fees, and Compensation ................................................................................................... 4 Item 5: Account Requirements and Types of Clients ................................................................................... 6 Item 6: Portfolio Manager Selection and Evaluation ................................................................................... 6 Item 7: Client Information Provided to Portfolio Managers ........................................................................ 8 Item 8: Client Contact with Portfolio Managers ........................................................................................... 8 Item 9: Additional Information ..................................................................................................................... 8 3  Item 4: Services, Fees, and Compensation Description of Services Centerpiece Wealth Advisor was founded in 2018 to help the families we serve to protect, preserve, grow, and pass on their wealth for generations to enjoy. The firm is owned by Jason Baer and Aaron Leatherwood. Planning Services Centerpiece Wealth Advisor (“Centerpiece,” “We,” “Us,” “the Firm”) provides comprehensive financial planning services to assist clients in the management of life and wealth goals. After consulting with each client, we provide a written plan based on the client's individual needs, goals and objectives. This strategy can address: üInvestment Planning üRisk Management and Insurance Planning üBanking and Credit Management üRetirement Planning üTax Planning üTax Filing* üExecutive Compensation üPlanning for Incapacity üCharitable/Philanthropic giving üEducation and Family Support/Governance üTitling and Beneficiary Designations üExecutor and Trustee Selection üDistribution of Estate We meet periodically with each client to discuss and update the strategy, and we implement the strategy through our asset management services. Wealth Management Services Our tailored and customized strategies take into account your liquidity needs, tax efficiency needs and suitability requirements. Asset management services will follow a written Investment Policy Statement agreed to with each client. We can accommodate reasonable restrictions and preferences on the strategies recommended in your Investment Policy Statement. If requested restrictions do not allow latitude to implement the strategies, we may not be able to provide asset management services. All of our clients participate in this Wrap Fee Program, therefore there is no difference in how we manage client accounts – we have no non-Wrap Fee Program clients. * Tax Filing is offered for clients with more than $2,000,000 in assets under management, and does not include business returns or returns that include real estate investment property, or returns with extensive K-1s. 4  Fees We provide our services for one fee including financial planning, asset management, transaction and trading costs (a “Wrap Fee”), as follows: Total Assets Under Management up to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 to $3,000,000 $3,000,001 to $4,000,000 $4,000,001 to $5,000,000 $5,000,001 to $6,000,000 $6,000,001 and above Annual Fee (% of Assets Managed) 1.2% 1.1% 1.0% 0.9% 0.8% 0.7% 0.6% Fees are calculated on average daily balance, accumulated, and deducted from client accounts in arrears at the end of each calendar quarter. Clients may pay fees by direct deduction from accounts, or by check. There is a $2,250 minimum quarterly fee to open an account with Centerpiece. This minimum may be waived at the sole discretion of Centerpiece. Clients who have total accounts of less than $750,000 will therefore be paying over 1.2% for asset management and are advised that similar services may be available for lower cost through other advisory firms. All fees are negotiable at the discretion of Centerpiece. Neither Centerpiece nor any of our representatives provide legal advice. We will partner with your tax and legal professionals. Program Cost The Wrap Program may cost the client more than or less than paying for trading and transaction costs separately from an advisory fee. Additional Fees Clients in the Wrap Fee Program will not have to pay separately for transaction or trading fees. However, you are still responsible for other account fees, such as SEC Section 31 Activity Assessment Fees, annual IRA fees to the custodian, transition fees if the account is moved to another broker, or internal mutual fund fees such as management, distribution, and management fees, as applicable. Compensation to Firm and Representatives Neither Centerpiece, nor any of its representatives receive any additional compensation beyond advisory fees for your participation in this program. We provide advisory services only through this Wrap Fee Program. 5  Item 5: Account Requirements and Types of Clients We provide services to wealthy families, business owners and affluent professionals. There is a $2,250 minimum quarterly fee to open an account with Centerpiece. This minimum may be waived at the sole discretion of Centerpiece. Item 6: Portfolio Manager Selection and Evaluation We directly manage all investment portfolios for our clients. We also use third-party reviews from Morning Star and Reuters to gather an overall consensus of funds, and their accuracy and compliance with presentation standards. Portfolio Management We offer comprehensive financial planning to our clients help our clients choose a portfolio that is appropriate in view of their goals, concerns and appetite for return and risk within their investment plan. Our tailored and customized strategies take into account your liquidity needs, tax efficiency needs and suitability requirements. Asset management services will follow a written Investment Policy Statement agreed to with each client. We can accommodate reasonable restrictions and preferences on the strategies recommended in your Investment Policy Statement. If requested restrictions do not allow latitude to implement the strategies, we may not be able to provide asset management services. Performance-Based Fees and Side-By-Side Management Centerpiece 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, and therefore does not engage in side-by-side management. Assets Under Management As of December 31, 2025, we manage $113,063,000 in discretionary assets and $25,534,000 in non- discretionary assets, for a total of $138,597,000 in our Wrap Fee Program. We do not manage any assets outside our Wrap Fee Program. Methods of Analysis and Investment Strategies Our investment process is based on the financial plan, written strategy, and Investment Policy Statement that we develop for each client. We select investments for client portfolios using fundamental analysis. Fundamental analysis is a method of evaluating an investment to measure its intrinsic value by examining related economic, financial and other qualitative and quantitative factors. Fundamental analysis studies anything that can affect the investment’s value, including macroeconomic and microeconomic factors. Macroeconomic factors include the overall domestic/global economic output, unemployment, inflation, industry conditions to geopolitical tension. Microeconomic factors include the study of the company management, the competitive edge comparative to peers, and the company’s overall financial condition. The end goal of a fundamental analysis is to produce a 6  quantitative value to compare with a security’s current price, thus indicating whether the security is undervalued or overvalued. Financial Planning Risks The financial planning process employs assumptions for future growth based on past historical trends in volatility and returns, as well as current valuations and expected returns. Results may vary, and future investment returns are subject to factors such as inflation rates, bond yields, economic factors, and market fluctuation. Growth assumptions may not be met, and market or economic factors may cause investments made based on our recommendations to underperform or lose value, and you could lose money. Investment Strategy Risks Although we manage your portfolio in a manner consistent with your risk tolerances and other factors identified in your Investment Policy Statement, there can be no guarantee that our efforts will be successful. You should be prepared to bear the risk of loss. Fundamental analysis concentrates on factors that determine a company's value and expected future earnings. This strategy seeks to purchase investments that are undervalued or priced below their perceived value, either on a value or growth expectation. However, the overall market or specific investment may fail to reach expectations or perceived value. Risks of Specific Investments 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 internal costs that lower investment returns. Mutual funds can be fixed income (bonds), equity (stock), or a blend. Mutual funds may not attain the investment objectives stated in their prospectuses, may drift from the “style” for which they were originally purchased, and fund management may change without notice. Equities (Stocks): Stocks are purchased in expectation of a future dividends and/or capital gains if the price of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry conditions and the general economic environments. Fixed Income (Bonds): Bonds are purchased in expectation of interest and principal payments a fixed schedule. This type of investment can include corporate and government debt securities, leveraged loans, high yield, and investment grade debt and structured products, such as mortgage and other asset-backed securities. The fixed income market can fluctuate. Fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Exchange Traded Funds (ETFs): An ETF is an investment fund traded on stock exchanges, similar to stocks. Risks include the lack of transparency in products and increasing complexity, conflicts of interest and the possibility of inadequate regulatory compliance. Commodity ETFs (e.g., gold, petroleum, currency, etc.) carry the same risks as the underlying commodity markets. ETFs may trade at a premium or discount that may not be realized at the time of sale. 7  Non-U.S. Securities: International investments carry risks such as currency fluctuation, political and economic change, social unrest, changes in government regulation, differences in accounting and less- accurate public information available in some countries. Diversification and asset allocation do not ensure a profit or protect against a loss. Investing in securities involves risk of loss that you should be prepared to bear. There can be no guarantee that any approach to investing will result in a desired outcome. Voting Client Proxies Centerpiece 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. We will offer proxy guidance upon client request. Clients may also direct proxy questions to the issuer of the security. Item 7: Client Information Provided to Portfolio Managers We manage all client portfolios directly, and the portfolio manager under this wrap program is the same person as the client’s advisory representative, therefore the portfolio manager will have all client information that has been provided to Centerpiece. We connect with our clients periodically throughout the year to review their wealth management/investment plan. Item 8: Client Contact with Portfolio Managers There are no restrictions on a client’s ability to contact and consult with their portfolio manager. Item 9: Additional Information Disciplinary Information Centerpiece does not have any legal or disciplinary events to disclose. Other Financial Industry Activities and Affiliations Neither the firm nor any associate has any other industry activities or affiliations. Code of Ethics, Participation or Interest in Client Transactions and Personal Trading We have adopted a code of ethics that sets forth standards of conduct and required compliance with securities laws. A copy of our code of ethics is available to any client or prospective client upon request. Associates of Centerpiece will not trade the same securities recommended to our clients 2 business days prior and after to mitigate any conflicts of interests. Front running (trading shortly ahead of clients) is prohibited. We have a duty to clients to exercise our authority and responsibility for the benefit of our clients, and to place client interests first. We periodically review personal securities transactions to ensure that our policies are followed, and that client interests are placed first. 8  When we provide investment advice to you regarding your retirement plan account or individual retirement account (IRA), we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give prudent advice); • Never put our financial interests ahead of yours when making recommendations (give loyal advice); • Avoid misleading statements about conflicts of interest, fees, and investments; • Follow policies and procedures designed to ensure that we give advice that is in your best interest; • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest. * It should be noted that the fiduciary duties enumerated above do not differ from those we observe in all our advisory activities. Review of Accounts Centerpiece will perform an initial review of all accounts under its management and will perform periodic reviews thereafter. The initial review will assess the client’s overall financial situation, attempt to determine the client’s risk profile and risk tolerance, determine the client’s long-term financial goals, explain our investment approach, and review the current balances and investments in your account. Centerpiece will conduct periodical reviews at least quarterly. We will provide quarterly (or at a frequency agreed upon by our client) portfolio review reports that will be uploaded to the client portal and we will provide in-person or conference call reviews quarterly (or at a frequency agreed upon by the client) to review the portfolios directly with our clients. The custodian of the clients’ accounts will send statements at least quarterly. Additionally, Centerpiece will review client accounts prior to and following any trades in individual securities or any large withdrawal or additions to the client’s account to ensure the account still meets the client’s investment objectives. Reviews may also be triggered by market factors, events likely to materially influence markets, or upon request. Reviews are conducted by Aaron Leatherwood or Jason Baer. Client Referrals and Other Compensation We do not pay anyone for referring clients to us, nor are we paid by anyone for referring clients to them. We do not receive client referrals from custodians or broker-dealers in which we have an institutional advisory arrangement. Also, we do not receive other benefits from custodians or broker-dealers in exchange for client referrals. 9  Financial Information Centerpiece does not require or solicit the payment of more than $1200 in fees per client, six months or more in advance. Centerpiece does not have any financial conditions that may impair our ability to meet our contractual obligations to our clients. 10