COMPASS ADVISORY GROUP LLC

Compass Advisory Group LLC d/b/a Compass Advisors Form ADV Part 2A – Disclosure Brochure Effective: March 3, 2025 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Compass Advisory Group LLC dba Compass Advisors (“Compass Advisors” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (516) 938-2400. Compass Advisors is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Disclosure Brochure provides information about Compass Advisors to assist you in determining whether to retain the Advisor. Additional information about Compass Advisors and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 288256. Compass Advisory Group LLC d/b/a Compass Advisors 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory Persons of Compass Advisors. For convenience, the Advisor has combined these documents into a single disclose document. Compass Advisors believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Compass Advisors encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the annual amendment filing on February 15th, 2024: • Effective March 1st, the Advisor has appointed Jeffrey Myers as Chief Investment Officer. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. You may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 288256. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (516) 938-2400. Page 2 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 3 – Table of Contents Item 1 – Cover Page ............................................................................................................................................... 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents .................................................................................................................................... 3 Item 4 – Advisory Services ................................................................................................................................... 4 A. Firm Information .............................................................................................................................................................. 4 B. Advisory Services Offered ............................................................................................................................................... 4 C. Client Account Management ........................................................................................................................................... 6 D. Wrap Fee Programs ........................................................................................................................................................ 6 E. Assets Under Management ............................................................................................................................................. 6 Item 5 – Fees and Compensation ......................................................................................................................... 6 A. Fees for Advisory Services ............................................................................................................................................. 6 B. Fee Billing ....................................................................................................................................................................... 7 C. Other Fees and Expenses .............................................................................................................................................. 7 D. Advance Payment of Fees and Termination ................................................................................................................... 8 E. Compensation for Sales of Securities ............................................................................................................................. 9 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 9 Item 7 – Types of Clients ....................................................................................................................................... 9 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss .......................................................... 9 A. Methods of Analysis ........................................................................................................................................................ 9 B. Risk of Loss ................................................................................................................................................................... 10 Item 9 – Disciplinary Information ....................................................................................................................... 11 Item 10 – Other Financial Industry Activities and Affiliations ......................................................................... 11 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 11 A. Code of Ethics ............................................................................................................................................................... 11 B. Personal Trading with Material Interest ......................................................................................................................... 12 C. Personal Trading in Same Securities as Clients ........................................................................................................... 12 D. Personal Trading at Same Time as Client .................................................................................................................... 12 Item 12 – Brokerage Practices ............................................................................................................................ 12 A. Recommendation of Custodian[s] ................................................................................................................................. 12 B. Aggregating and Allocating Trades ............................................................................................................................... 13 Item 13 – Review of Accounts ............................................................................................................................ 13 A. Frequency of Reviews ................................................................................................................................................... 13 B. Causes for Reviews ...................................................................................................................................................... 13 C. Review Reports ............................................................................................................................................................. 13 Item 14 – Client Referrals and Other Compensation ........................................................................................ 14 A. Compensation Received by Compass Advisors ........................................................................................................... 14 B. Compensation for Client Referrals ................................................................................................................................ 14 Item 15 – Custody ................................................................................................................................................ 14 Item 16 – Investment Discretion ......................................................................................................................... 15 Item 17 – Voting Client Securities ...................................................................................................................... 15 Item 18 – Financial Information .......................................................................................................................... 15 Form ADV Part 2B – Brochure Supplements .................................................................................................... 16 Privacy Policy ....................................................................................................................................................... 31 Page 3 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 4 – Advisory Services A. Firm Information Compass Advisory Group LLC d/b/a Compass Advisors (“Compass Advisors” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). Compass Advisors is organized as a Limited Liability Company (“LLC”) under the laws of the State of Delaware. Compass Advisors was founded in March 2017 and is owned and operated by Lauren M. King (Partner) and Michael A. Cuneo (Partner). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Compass Advisors. B. Advisory Services Offered Compass Advisors offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses and retirement plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Compass Advisors’ fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services Compass Advisors provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. Compass Advisors works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. Compass Advisors will then construct an investment portfolio consisting primarily of low-cost, diversified mutual funds and/or exchange-traded funds (“ETFs”) to achieve the Client’s investment goals. The Advisor may also utilize individual stocks, bonds or options contracts to meet the needs of its Clients. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. Compass Advisors’ investment approach is primarily long-term focused, but the Advisor may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Compass Advisors will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Compass Advisors evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Compass Advisors may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Compass Advisors may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. Compass Advisors may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will Compass Advisors accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the Client investment advisory agreement. For additional information, please see Item 12 – Brokerage Practices. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, Page 4 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Schwab Institutional Intelligent Portfolios – The Advisor may recommend an automated investment program through which Clients are invested in a range of investment strategies Compass Advisors has constructed and manages (“Program”). The Client’s portfolio is held in a brokerage account opened by the Client at Charles Schwab & Co., Inc. (“Schwab”). The Advisor utilizes the Institutional Intelligent Portfolios® platform, offered by Schwab Performance Technologies, a software provider to independent investment advisors and an affiliate of Schwab, to operate the Program. The Advisor remains the Client’s investment advisor and primary point of contact. The Advisor is responsible for determining the appropriateness of the Program for the Client, choosing a suitable investment strategy and portfolio for the Client’s investment needs and goals, and managing that portfolio on an ongoing basis. Retirement Plan Advisory Services Compass Advisors provide retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: Investment Policy Statement (“IPS”) Design and Monitoring Investment Oversight Services (ERISA 3(21)) Investment Management Services (ERISA 3(38)) • Vendor Analysis • Plan Participant Enrollment and Education Tracking • • • • Performance Reporting • Ongoing Investment Recommendation and Assistance • ERISA 404(c) Assistance • Benchmarking Services These services are provided by Compass Advisors serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA section 408(b)(2), the Plan Sponsore is provided with a written description of Compass Advisors’ fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor resonablt expects under the engagement. Financial Planning Services Compass Advisors will typically provide a variety of financial planning and consulting services to Clients, either as a component of investment management services or pursuant to a written financial planning agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. A financial plan developed for or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Page 5 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Compass Advisors may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. C. Client Account Management Prior to engaging Compass Advisors to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include: • Establishing an Investment Strategy – Compass Advisors, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. • Asset Allocation – Compass Advisors will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. • Portfolio Construction – Compass Advisors will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – Compass Advisors will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Compass Advisors does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Compass Advisors. E. Assets Under Management As of December 31, 2024, Compass Advisors manages $644,083,351 in Client assets, $430,118,536 of which are managed on a discretionary basis and $213,964,815 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more written agreements with the Advisor. A. Fees for Advisory Services Investment Management Services Investment advisory fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the agreement. Investment advisory fees are based on the average daily balance of assets under management during the prior calendar quarter. Investment advisory fees range up to 2.00% annually based on several factors, including: the complexity of the services to be provided, the level of assets to be managed, and the overall relationship with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee. Page 6 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  The investment advisory fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Compass Advisors will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C. below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. Schwab Institutional Intelligent Portfolio Service – Program fees are billed quarterly in advance the average daily balance of assets under management during the prior calendar quarter, pursuant to the terms of the agreement. Retirement Plan Advisory Services Fees for retirement plan advisory services are charged an annual-asset based fee of up to 1.00% and are payable in advance of each calendar quarter, pursuant to the terms of the retirement plan advisory agreement. Retirement plan advisory fees are based on the market value of assets under management at the end of the prior calendar quarter. Fees may be negotiable depending on the size and complexity of the Plan and the services to be offered. Financial Planning Services Compass Advisors offers financial planning services either on an hourly or fixed fee basis. Hourly engagements range from $200 to $350 per hour. Fixed fees range from $1,500 to $15,000 per engagement. Fees may be negotiable based on the on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total hours and total costs will be provided to the Client prior to engaging for these services. B. Fee Billing Investment Management Services Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective quarter. The amount due is calculated by applying the quarterly rate (annual rate divided by the number of days in the year multiplied by the number of days in the quarter) to the average daily balance of assets under management with Compass Advisors during the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting the deduction of the investment advisory fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted by Compass Advisors to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Retirement Plan Advisory Services Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. Financial Planning Services Financial planning fees may be invoiced up to 100 percent (100%) of the expected total fee upon execution of the financial planning. The Advisor will not collect fees that are greater than $1,200 if the services will be for six months or more in the future. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than Compass Advisors in connection with investments made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian, if applicable. The Advisor's recommended Custodian does not charge securities transaction fees for ETF and equity trades in a Client's account, provided that the account Page 7 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds and other types of investments. Clients invested through the Schwab Institutional Intelligent Portfolios will not be charged a separate fee for securities transaction fees for the purchase and rebalancing of the Client’s investment portfolio. The fees charged by Compass Advisors are separate and distinct from these custody and execution fees. In addition, all fees paid to Compass Advisors for investment advisory services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage and account reporting), and a possible distribution fee. A Client may be able to invest in these products directly, without the services of Compass Advisors, but would not receive the services provided by Compass Advisors which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Compass Advisors to fully understand the total fees to be paid. Please refer to Item 12 – Brokerage Practices for additional information. D. Advance Payment of Fees and Termination Investment Management Services Compass Advisors is compensated for its services in advance of the quarter in which investment management services are rendered. Either party may also terminate the investment advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five- day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Advisor will refund any unearned, prepaid investment advisory fees from the effective date of termination to the end of the quarter. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Schwab Institutional Intelligent Portfolios – Fees charged for the Program are collected quarterly, after services are provided. The Client may terminate the account[s] with the Program at any time by providing advance written notice to the Advisor and the Program. The Advisor will assist the Client with this process upon request. The Client shall be responsible for platform and investment advisory fees up to an including the effective date of termination. Retirement Plan Advisory Services Compass Advisors is compensated for its services at the beginning of the quarter in which retirement plan advisory services are rendered. Either party may terminate the retirement plan advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five- day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Advisor will refund any unearned, prepaid retirement plan advisory fees from the effective date of termination to the end of the quarter. The Client’s retirement plan advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Financial Planning Services Compass Advisors requires an advance deposit as described above. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for actual hours logged on the planning project times the contractual hourly rate or in the case of a fixed fee engagement, the percentage of the engagement scope completed by the Advisor. The Advisor will refund any unearned, prepaid planning fees from the effective date of termination. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Page 8 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  E. Compensation for Sales of Securities Compass Advisors does not buy or sell securities and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Certain Advisory Persons are also registered representatives of Purshe Kaplan Sterling Investments, Inc. (“PKS”). PKS is a registered broker-dealer (CRD No. 35747), member FINRA, SIPC. In one’s separate capacity as a registered representative of PKS, an Advisory Person may implement securities transactions under PKS and not through Compass Advisors. In such instances, an Advisory Person will receive commission-based compensation in connection with the purchase and sale of securities, including 12b-1 fees for the sale of investment company products. Compensation earned by an Advisory Person in one’s capacity as a registered representative is separate and in addition to Compass Advisors’ advisory fees. This practice presents a conflict of interest because Advisory Persons who are registered representatives have an incentive to effect securities transactions for the purpose of generating commissions rather than solely based on the Client. Clients are not obligated to implement any recommendation provided by Advisory Persons. Neither the Advisor nor Advisory Persons will earn ongoing investment advisory fees in connection with any products or services implemented in the Advisory Person’s separate capacity as a registered representative Please see Item 10 – Other Financial Activities and Affiliations. Certain Advisory Persons are also licensed as independent insurance professionals. These persons will earn commission-based compensation for selling insurance products, including insurance products they sell to Clients. Insurance commissions earned by these persons are separate and in addition to advisory fees. This practice presents a conflict of interest because persons providing investment advice on behalf of the Advisor who are insurance agents have an incentive to recommend insurance products to Clients for the purpose of generating commissions rather than solely based on Client needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through any person affiliated with the Advisor. Please see Item 10 – Other Financial Industry Activities and Affiliations. Item 6 – Performance-Based Fees and Side-By-Side Management Compass Advisors does not charge performance-based fees for its investment advisory services. The fees charged by Compass Advisors are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Compass Advisors does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Item 7 – Types of Clients Compass Advisors offers investment advisory services individuals, high net worth individuals, trusts, estates, businesses and retirement plans. Compass Advisors generally does not impose a minimum size for establishing a relationship. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Compass Advisors employs fundamental and macro analysis in developing investment strategies for its Clients. Research and analysis from Compass Advisors are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment Page 9 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. The Advisor also performs macroeconomic analysis using third-party research. Some factors that are reviewed include general economic growth, unemployment, and other economic statistics. This analysis provides a broader view of the market and is used in conjunction with fundamental and technical analysis. As noted above, Compass Advisors generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Compass Advisors will typically hold all or a portion of a security for more than a year, but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Compass Advisors may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Compass Advisors will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of an ETF is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Page 10 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Mutual Fund Risks The performance of a mutual fund is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Options Contracts Investments in options contracts have the risk of losing value in a relatively short period of time. Option contracts are leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock. This leverage can compound gains or losses. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving Compass Advisors or its management persons. Compass Advisors values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 288256. Item 10 – Other Financial Industry Activities and Affiliations Broker-Dealer Affiliation As noted in Item 5, certain Advisory Persons are also registered representatives of PKS. PKS is a registered broker-dealer, member FINRA, SIPC. In one’s separate capacity as a registered representative of PKS, an Advisory Person will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Advisory Persons. Neither the Advisor nor its Advisory Persons will earn ongoing investment advisory fees in connection with any services implemented in Advisory Person’s separate capacity as a registered representative. Insurance Agency Affiliations As noted in Item 5, certain Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with Compass Advisors. As an insurance professional, an Advisory Persons will receive customary commissions and other related revenues from the various insurance companies whose products are sold. An Advisory Persons is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by an Advisory Persons or the Advisor. Schwab Institutional Intelligent Portfolios As noted in Item 4 – Advisory Services, Compass Advisors may recommend that a Client’s investment portfolio be implemented through the Schwab Institutional Intelligent Portfolios. Compass Advisors may be required to pay Schwab Institutional Intelligent Portfolios an investment sub-advisory fee for the use of the platform, trading, rebalancing, fee billing, reporting and other services. The Advisor does not receive compensation from Schwab Institutional Intelligent Portfolios, Schwab or any other affiliate for these services but does receive these services at a discount. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Compass Advisors has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with Compass Advisors (“Supervised Page 11 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to the Client. Compass Advisors and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of Compass Advisors’ Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (516) 938-2400. B. Personal Trading with Material Interest Compass Advisors allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Compass Advisors does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. Compass Advisors does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Compass Advisors allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by Compass Advisors requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Compass Advisors allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will Compass Advisors, or any Supervised Person of Compass Advisors, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Compass Advisors does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer/custodian (herein the "Custodian") to safeguard Client assets and authorize Compass Advisors to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, Compass Advisors does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Compass Advisors does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost from the Advisor associated with using a custodian not recommended by Compass Advisors. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. Compass Advisors may recommend the Custodian based on criteria such as, but not limited to, the reasonableness of commissions charged to the Client, services made available to the Client, its reputation, and/or the location of the Custodian’s offices. Compass Advisors will generally recommend that Clients establish their account[s] at Charles Schwab & Co., Inc. (“Schwab”), a FINRA-registered broker-dealer and member SIPC. Schwab will serve as the Client’s “qualified custodian”. Compass Advisors maintains an institutional relationship with Schwab, whereby the Advisor receives economic benefits from Schwab. Please see Item 14 below. Page 12 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Following are additional details regarding the brokerage practices of the Advisor: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Compass Advisors does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, the Advisor does receive certain economic benefits from Schwab as detailed in Item 14 below. 2. Brokerage Referrals - Compass Advisors does not receive any compensation from any third party in connection with the recommendation for establishing an account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis”, where Compass Advisors will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s] at the Custodian, unless otherwise directed by the Client. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). Compass Advisors will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) the skill required of the Custodian. Compass Advisors will execute its transactions through the Custodian as authorized by the Client, unless otherwise directed in writing by the Client. Compass Advisors may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts in the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Clients’ accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Michael A. Cueno, Chief Investment Officer and Lauren M. King, Chief Compliance Officer of Compass Advisors. Formal reviews are generally conducted at least annually or more or less frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A. above, each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Compass Advisors if changes occur in the Client’s personal financial situation that might adversely affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions, and fees relating to the Client’s account[s]. The Advisor may Page 13 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by Compass Advisors Compass Advisors may refer Clients to various unaffiliated, non-advisory professionals (e.g. attorneys, accountants, estate planners) to provide certain financial services necessary to meet the goals of its Clients. Likewise, Compass Advisors may receive non-compensated referrals of new Clients from various third-parties. Participation in Institutional Advisor Platform Compass Advisors has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a division of Schwab dedicated to serving independent advisory firms like Compass Advisors. As a registered investment advisor participating on the Schwab Advisor Services platform, Compass Advisors receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Schwab. Services provided by Schwab Advisor Services benefit the Advisor and many, but not all services provided by Schwab will benefit Clients. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this custodian over one that does not furnish similar software, systems support, or services. Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client’s funds and securities. Through Schwab, the Advisor may be able to access certain investments and asset classes that the Client would not be able to obtain directly or through other sources. Further, the Advisor may be able to invest in certain mutual funds and other investments without having to adhere to investment minimums that might be required if the Client were to directly access the investments. Services that May Indirectly Benefit the Client – Schwab provides participating advisors with access to technology, research, discounts and other services. In addition, the Advisor receives duplicate statements for Client accounts, the ability to deduct advisory fees, trading tools, and back-office support services as part of its relationship with Schwab. These services are intended to assist the Advisor in effectively managing accounts for its Clients, but may not directly benefit all Clients. Services that May Only Benefit the Advisor – Schwab also offers other services and support to Compass Advisors that may not benefit the Client, including: educational conferences and events, consulting services, and discounts for various service providers. Access to these services creates a financial incentive for the Advisor to recommend Schwab, which results in a conflict of interest. Compass Advisors believes, however, that the selection of Schwab as Custodian is in the best interests of its Clients. B. Compensation for Client Referrals The Advisor does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody Compass Advisors does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Compass Advisors exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Compass Advisors to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Compass Advisors to ensure accuracy, as the Custodian does not perform this review. Page 14 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Money Movement Authorization - For instances where Clients authorize Compass Advisors to move funds between their accounts, Compass Advisors and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion Compass Advisors generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Compass Advisors. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable limitations to such authority. All discretionary trades made by Compass Advisors will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities Compass Advisors does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Advisor will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Compass Advisors, nor its management, have any adverse financial situations that would reasonably impair the ability of Compass Advisors to meet all obligations to its Clients. Neither Compass Advisors, nor any of its Advisory Persons, has been subject to a bankruptcy or financial compromise. Compass Advisors is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect advance fees of $1,200 or more for services to be performed six months or more in the future. Page 15 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Form ADV Part 2B – Brochure Supplement for Lauren M. King, CFP® Partner and Chief Compliance Officer Effective: March 3, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Lauren M. King, CFP® (CRD# 4629988) in addition to the information contained in the Compass Advisory Group LLC d/b/a Compass Advisors (“Compass Advisors” or the “Advisor”, CRD# 288256) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Compass Advisors Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (516) 938- 2400. Additional information about Ms. King is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 4629988. Page 16 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 2 – Educational Background and Business Experience Lauren M. King, CFP®, born in 1980, is dedicated to advising Clients of Compass Advisors as a Partner and the Chief Compliance Officer. Ms. King earned a Masters in Business Administration from the Tuck School of Business at Dartmouth College in 2007. Ms. King also earned a Bachelor of Science in Applied Economics and Management from Cornell University in 2002. Ms. King obtained her Certified Financial Planner Designation in 2013. Additional information regarding Ms. King’s employment history is included below. Employment History: Partner and Chief Compliance Officer, Compass Advisory Group LLC Registered Representative, Purshe Kaplan Sterling Investments, Inc. Registered Representative, LPL Financial LLC 05/2017 to Present 05/2017 to Present 09/2010 to 05/2017 About the 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 71,000 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. Page 17 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Ms. King. Ms. King has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Ms. King. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Ms. King. However, the Advisor encourages Clients to independently view the background of Ms. King on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 4629988. Item 4 – Other Business Activities Broker-Dealer Affiliation Ms. King is also a registered representative of Purshe Kaplan Sterling Investments, Inc. (“PKS”). PKS is a registered broker-dealer (CRD# 35747), member FINRA, SIPC. In Ms. King’s separate capacity as a registered representative, Ms. King will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Ms. King. Neither the Advisor nor Ms. King will earn ongoing investment advisory fees in connection with any products or services implemented in Ms. King’s separate capacity as a registered representative. Insurance Agency Affiliations Ms. King is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Ms. King’s role with Compass Advisors. As an insurance professional, Ms. King will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Ms. King is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Ms. King or the Advisor. Item 5 – Additional Compensation Ms. King has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Ms. King serves as a Partner and the Chief Compliance Officer of Compass Advisors. Ms. King can be reached at (516) 938-2400. Compass Advisors has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Compass Advisors. Further, Compass Advisors is subject to regulatory oversight by various agencies. These agencies require registration by Compass Advisors and its Supervised Persons. As a registered entity, Compass Advisors is subject to examinations by regulators, which may be announced or unannounced. Compass Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Page 18 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Form ADV Part 2B – Brochure Supplement for Michael A. Cuneo, CFP® Managing Partner Effective: March 3, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Michael A. Cuneo, CFP® (CRD# 4634237) in addition to the information contained in the Compass Advisory Group LLC d/b/a Compass Advisors (“Compass Advisors” or the “Advisor”, CRD# 288256) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Compass Advisors Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (516) 938- 2400. Additional information about Mr. Cuneo is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4634237. Page 19 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 2 – Educational Background and Business Experience Michael A. Cuneo, CFP®, born in 1979, is dedicated to advising Clients of Compass Advisors as a Managing Partner. Mr. Cuneo earned a Bachelor of Arts from Binghamton University in 2002. Mr. Cuneo obtained his Certified Financial Planner Designation in 2012. Additional information regarding Mr. Cuneo’s employment history is included below. Employment History: Managing Partner, Compass Advisory Group LLC Registered Representative, Purshe Kaplan Sterling Investments, Inc. Registered Representative, LPL Financial LLC Regional Vice President, Riversource Distributors, Inc. Internal Sales Desk Manager, Cohen & Steers Securities, LLC 05/2017 to Present 05/2017 to Present 08/2013 to 05/2017 03/2010 to 08/2013 01/2006 to 01/2010 About the 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 71,000 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. Page 20 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Cuneo. Mr. Cuneo has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Cuneo. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Cuneo. However, the Advisor encourages Clients to independently view the background of Mr. Cuneo on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4634237. Item 4 – Other Business Activities Broker-Dealer Affiliation Mr. Cuneo is also a registered representative of Purshe Kaplan Sterling Investments, Inc. (“PKS”). PKS is a registered broker-dealer (CRD# 35747), member FINRA, SIPC. In Mr. Cuneo’s separate capacity as a registered representative, Mr. Cuneo will receive commissions for the implementation of recommendations for commissionable transactions. Clients are not obligated to implement any recommendation provided by Mr. Cuneo. Neither the Advisor nor Mr. Cuneo will earn ongoing investment advisory fees in connection with any products or services implemented in Mr. Cuneo’s separate capacity as a registered representative. Insurance Agency Affiliations Mr. Cuneo is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Cuneo’s role with Compass Advisors. As an insurance professional, Mr. Cuneo will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Cuneo is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Cuneo or the Advisor. Item 5 – Additional Compensation Mr. Cuneo has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Cuneo serves as a Managing Partner of Compass Advisors and is supervised by Lauren King, the Chief Compliance Officer. Ms. King can be reached at (516) 938-2400. Compass Advisors has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Compass Advisors. Further, Compass Advisors is subject to regulatory oversight by various agencies. These agencies require registration by Compass Advisors and its Supervised Persons. As a registered entity, Compass Advisors is subject to examinations by regulators, which may be announced or unannounced. Compass Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Page 21 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Form ADV Part 2B – Brochure Supplement for Jeffrey J. Myers, CFP® Chief Investment Officer Effective: March 3, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jeffrey J. Myers, CFP® (CRD# 3154149) in addition to the information contained in the Compass Advisory Group LLC (“Compass Advisors” or the “Advisor”, CRD# 288256) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Compass Advisors Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (516) 938-2400 or by email at info@compassadvisors.com. Additional information about Mr. Myers is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3154149. Page 22 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 2 – Educational Background and Business Experience Jeffrey J. Myers, CFP®, born in 1975, is dedicated to advising Clients of Compass Advisors as the Chief Investment Officer. Mr. Myers earned a Bachelor of Arts in Accounting from University of Phoenix in 2000. Additional information regarding Mr. Myers’s employment history is included below. Employment History: Compass Advisory Group LLC - Chief Investment Officer - Senior Investment Advisor President, Long Island Wealth Management, Inc. Investment Advisor, Fusion Analytics Securities Investment Advisor, Comprehensive Asset Management & Servicing, Inc. 03/2025 to Present 11/2018 to 03/2025 02/2006 to Present 07/2010 to 12/2014 03/2010 to 07/2010 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Page 23 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Myers. Mr. Myers has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Myers. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Myers. However, the Advisor encourages Clients to independently view the background of Mr. Myers on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3154149. Item 4 – Other Business Activities Mr. Myers is also the Owner and an Investment Advisor Representative of Long Island Wealth Management, Inc. (“LIWM”), and Long Island Wealth Management, Inc. DBA Triangle Retirement Solutions in New York. Compass Advisors is not affiliated with Long Island Wealth Management, Inc., or Long Island Wealth Management, Inc. DBA Triangle Retirement Solutions. Mr. Myers spends approximately 75% of his time per week in this capacity and he is compensated by LIWM. Clients of Compass Advisors are not offered services of LIWM. Item 5 – Additional Compensation Mr. Myers has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Myers serves as the Chief Investment Officer of Compass Advisors and is supervised by Lauren King, the Chief Compliance Officer. Ms. King can be reached at (516) 938-2400. Compass Advisors has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Compass Advisors. Further, Compass Advisors is subject to regulatory oversight by various agencies. These agencies require registration by Compass Advisors and its Supervised Persons. As a registered entity, Compass Advisors is subject to examinations by regulators, which may be announced or unannounced. Compass Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Page 24 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Form ADV Part 2B – Brochure Supplement for Jeffrey R. Burke, CFP®, CRPC® Financial Advisor Effective: March 3, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jeffrey R. Burke, CFP®, CRPC® (CRD# 4849507) in addition to the information contained in the Compass Advisory Group LLC (“Compass Advisors” or the “Advisor”, CRD# 288256) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Compass Advisors Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (516) 938-2400 or by email at info@compassadvisors.com. Additional information about Mr. Burke is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4849507. Page 25 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 2 – Educational Background and Business Experience Jeffrey R. Burke, CFP® CRPC®, born in 1981, is dedicated to advising Clients of Compass Advisors as a Financial Advisor. Mr. Burke earned a Bachelor of Science in Finance from Providence College in 2003. Additional information regarding Mr. Burke’s employment history is included below. Employment History: Financial Advisor, Compass Advisory Group LLC Investment Advisor, Blank Equity Management, LLC Investment Advisor, CCO, Long Island Wealth Management, Inc. Investment Advisor, Fusion Analytics Investment Partners, LLC Financial Planning Consultant, Fidelity Investments 03/2019 to Present 12/2015 to 02/2019 10/2014 to 02/2019 10/2011 to 10/2014 08/2004 to 10/2011 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Page 26 Chartered Retirement Planning Counselor (“CRPC®”) Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post- retirement needs, asset management, estate planning, and the entire retirement planning process using models Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  and techniques from real client situations. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct and complying with self-disclosure requirements. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Burke. Mr. Burke has never been involved in any regulatory, civil or criminal action. There have been no lawsuits, arbitration claims or administrative proceedings against Mr. Burke. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Burke. However, the Advisor encourages Clients to independently view the background of Mr. Burke on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4849507. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Burke is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Burke’s role with Compass Advisors. As an insurance professional, Mr. Burke will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Burke is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Burke or the Advisor. Item 5 – Additional Compensation Mr. Burke has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Burke serves as a Financial Advisor of Compass Advisors and is supervised by Lauren King, the Chief Compliance Officer. Ms. King can be reached at (516) 938-2400. Compass Advisors has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Compass Advisors. Further, Compass Advisors is subject to regulatory oversight by various agencies. These agencies require registration by Compass Advisors and its Supervised Persons. As a registered entity, Compass Advisors is subject to examinations by regulators, which may be announced or unannounced. Compass Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Page 27 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Form ADV Part 2B – Brochure Supplement for Brendan L. Hyde, CRPS®, AIF® Director of Retirement Services Effective: March 3, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Brendan L. Hyde, CRPS®, AIF® (CRD# 4940858) in addition to the information contained in the Compass Advisory Group LLC (“Compass Advisors” or the “Advisor,” CRD# 288256) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Compass Advisors Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (516) 938-2400 or by email at info@compassadvisors.com. Additional information about Mr. Hyde is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4940858. Page 28 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 2 – Educational Background and Business Experience Brendan L. Hyde, CRPS®, AIF®, born in 1980, is dedicated to advising Clients of Compass Advisors as the Director of Retirement Services. Mr. Hyde earned a Bachelor of Science from State University of New York at Cortland in 2004. Additional information regarding Mr. Hyde’s employment history is included below. Employment History Director of Retirement Services, Compass Advisory Group LLC Regional Vice President, Transamerica Retirement Solutions Senior Sales Representative, Principal Financial Group 06/2020 to Present 03/2015 to 06/2020 06/2007 to 03/2015 Chartered Retirement Plans Specialist (“CRPS® ”) Individuals who hold the CRPS® designation have completed a course of study encompassing design, installation, maintenance and administration of retirement plans. Additionally, individuals must pass an end-of- course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real- life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct and complying with self-disclosure requirements. Accredited Investment Fiduciary (“AIF®”) The AIF® mark is held by the Center for Fiduciary Studies, LLC, a Fiduciary360 (fi360) company. The professional designations awarded by fi360 demonstrate the focus on all the components of a comprehensive investment process, related fiduciary standards of care, and commitment to excellence. AIF® designees undergo an initial training program, annual continuing education, and pledge to abide by the designation's code of ethics. Since October 2002, the Accredited Investment Fiduciary® (AIF®) designation has been the mark of commitment to a standard of investment fiduciary excellence. Those who earn the AIF® mark successfully complete a specialized program on investment fiduciary standards of care and subsequently passed a comprehensive examination. AIF® designees demonstrate a thorough understanding of fi360's Prudent Practices for investment advisors and stewards. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Hyde. Mr. Hyde has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Hyde. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Hyde. However, the Advisor encourages Clients to independently view the background of Mr. Hyde on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4940858. Item 4 – Other Business Activities Real Estate - Landlord Mr. Hyde is also a landlord in Clinton, MA. In this capacity, he ensures a suitable living environment for the tenant. He spends approximately two hours per month in this capacity and is compensated. Page 29 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Item 5 – Additional Compensation Mr. Hyde has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Hyde serves as the Director of Retirement Services of Compass Advisors and is supervised by Lauren King, the Chief Compliance Officer. Ms. King can be reached at (516) 938-2400. Compass Advisors has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Compass Advisors. Further, Compass Advisors is subject to regulatory oversight by various agencies. These agencies require registration by Compass Advisors and its Supervised Persons. As a registered entity, Compass Advisors is subject to examinations by regulators, which may be announced or unannounced. Compass Advisors is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Page 30 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  Privacy Policy Effective: March 3, 2025 Our Commitment to You Compass Advisory Group LLC d/b/a Compass Advisors (“Compass Advisors” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Compass Advisors (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Compass Advisors does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage and advisory agreements Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Page 31 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Compass Advisors shares Client information with Purshe Kaplan Sterling Investments, Inc. (“PKS”). This sharing is due to the oversight PKS has over certain Supervised Persons of the Advisor. You may also contact us at any time for a copy of the PKS Privacy Policy. No Not Shared Marketing Purposes Compass Advisors does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Compass Advisors or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Yes Yes Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. No Not Shared Information About Former Clients Compass Advisors does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy, and will provide you with a revised policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting the Advisor at (516) 938-2400. Page 32 Compass Advisory Group LLC 155 Pinelawn Road, Suite 210 N, Melville, NY 11747 Phone: (516) 938-2400 Fax: (516) 938-2455 www.compassadvisors.com