Consilio Wealth Advisors, LLC

Consilio Wealth Advisors, LLC Form ADV Part 2A – Disclosure Brochure Effective: March 20, 2026 This Form ADV Part 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Consilio Wealth Advisors, LLC (“CWA” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (206) 533-3670. CWA 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 CWA to assist you in determining whether to retain the Advisor. information about CWA and its Advisory Persons is available on the SEC’s website at Additional www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 314466. Consilio Wealth Advisors, LLC 500 108th Ave NE | Suite 1100 Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.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 CWA. For convenience, the Advisor has combined these documents into a single disclosure document. CWA 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. CWA encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the last annual amendment filing on March 4, 2025: Item 12 has been updated to describe Lending Opportunities Item 15 has been revised to disclose client’s use of Standing Letters of Authorization (SLOAs) • The Advisor added information to Items 4 & 5 regarding tax planning and estate planning service and fees. • • The Advisor updated Item 14 to include a description of promoters and lead generation • 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. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 314466. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (206) 533-3670. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 2 of 43  Item 3 – Table of Contents Item 1 – Cover Page ............................................................................................................................................... 1 Item 2 – Material Changes ..................................................................................................................................... 2 Item 3 – Table of Contents ..................................................................................................................................... 3 Item 4 – Advisory Services .................................................................................................................................... 5 A. Firm Information .............................................................................................................................................................. 5 B. Advisory Services Offered ............................................................................................................................................... 5 C. Client Account Management ........................................................................................................................................... 8 D. Wrap Fee Programs ........................................................................................................................................................ 8 E. Assets Under Management ............................................................................................................................................. 9 Item 5 – Fees and Compensation ......................................................................................................................... 9 A. Fees for Advisory Services.............................................................................................................................................. 9 B. Fee Billing...................................................................................................................................................................... 10 C. Other Fees and Expenses ............................................................................................................................................ 10 D. Advance Payment of Fees and Termination ................................................................................................................. 11 E. Compensation for Sales of Securities ........................................................................................................................... 11 Item 6 – Performance-Based Fees and Side-By-Side Management ................................................................ 11 Item 7 – Types of Clients ..................................................................................................................................... 11 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ......................................................... 12 A. Methods of Analysis ...................................................................................................................................................... 12 B. Risk of Loss ................................................................................................................................................................... 12 Item 9 – Disciplinary Information ........................................................................................................................ 14 Item 10 – Other Financial Industry Activities and Affiliations .......................................................................... 14 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 15 A. Code of Ethics ............................................................................................................................................................... 15 B. Personal Trading with Material Interest ......................................................................................................................... 15 C. Personal Trading in Same Securities as Clients ........................................................................................................... 15 D. Personal Trading at Same Time as Client .................................................................................................................... 15 Item 12 – Brokerage Practices ............................................................................................................................ 15 A. Recommendation of Custodian[s] ................................................................................................................................. 15 B. Aggregating and Allocating Trades ............................................................................................................................... 16 C. Lending Opportunities ................................................................................................................................................... 16 Item 13 – Review of Accounts ............................................................................................................................. 17 A. Frequency of Reviews ................................................................................................................................................... 17 B. Causes for Reviews ...................................................................................................................................................... 17 C. Review Reports ............................................................................................................................................................. 17 Item 14 – Client Referrals and Other Compensation ........................................................................................ 17 A. Compensation Received by CWA ................................................................................................................................. 17 B. Compensation for Client Referrals ................................................................................................................................ 17 Lead Generation ........................................................................................................................................................................................ 17 Item 15 – Custody ................................................................................................................................................. 18 Item 16 – Investment Discretion ......................................................................................................................... 18 Item 17 – Voting Client Securities ....................................................................................................................... 18 Item 18 – Financial Information ........................................................................................................................... 18 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 19 Item 2 – Educational Background and Business Experience .......................................................................... 20 Item 3 – Disciplinary Information ........................................................................................................................ 21 Item 4 – Other Business Activities ..................................................................................................................... 22 Item 5 – Additional Compensation ..................................................................................................................... 22 Item 6 – Supervision ............................................................................................................................................ 22 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 23 Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 3 of 43  Item 2 – Educational Background and Business Experience .......................................................................... 24 Item 3 – Disciplinary Information ........................................................................................................................ 25 Item 4 – Other Business Activities ..................................................................................................................... 25 Item 5 – Additional Compensation ..................................................................................................................... 25 Item 6 – Supervision ............................................................................................................................................ 25 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 26 Item 2 – Educational Background and Business Experience .......................................................................... 27 Item 3 – Disciplinary Information ........................................................................................................................ 27 Item 4 – Other Business Activities ..................................................................................................................... 27 Item 5 – Additional Compensation ..................................................................................................................... 27 Item 6 – Supervision ............................................................................................................................................ 27 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 29 Item 2 – Educational Background and Business Experience .......................................................................... 30 Item 3 – Disciplinary Information ........................................................................................................................ 31 Item 4 – Other Business Activities ..................................................................................................................... 31 Item 5 – Additional Compensation ..................................................................................................................... 31 Item 6 – Supervision ............................................................................................................................................ 31 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 32 Item 2 – Educational Background and Business Experience .......................................................................... 33 Item 3 – Disciplinary Information ........................................................................................................................ 34 Item 4 – Other Business Activities ..................................................................................................................... 34 Item 5 – Additional Compensation ..................................................................................................................... 34 Item 6 – Supervision ............................................................................................................................................ 35 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 36 Item 2 – Educational Background and Business Experience .......................................................................... 37 Item 3 – Disciplinary Information ........................................................................................................................ 37 Item 4 – Other Business Activities ..................................................................................................................... 37 Item 5 – Additional Compensation ..................................................................................................................... 37 Item 6 – Supervision ............................................................................................................................................ 37 Form ADV Part 2B – Brochure Supplement ....................................................................................................... 38 Item 2 – Educational Background and Business Experience .......................................................................... 39 Item 3 – Disciplinary Information ........................................................................................................................ 40 Item 4 – Other Business Activities ..................................................................................................................... 40 Item 5 – Additional Compensation ..................................................................................................................... 40 Item 6 – Supervision ............................................................................................................................................ 40 Privacy Policy ....................................................................................................................................................... 42 Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 4 of 43  Item 4 – Advisory Services A. Firm Information Consilio Wealth Advisors, LLC (“CWA” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission. The Advisor is organized as a Limited Liability Company (LLC) under the laws of the State of Delaware. CWA, founded in March 2021, is owned by Christopher M. Kaminski through Union 6, LLC and is operated by Christopher M. Kaminski (Founder and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by CWA. B. Advisory Services Offered CWA offers investment advisory services to individuals and high net worth individuals (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. CWA's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services CWA provides wealth management services for its Clients. These services generally include a broad range of comprehensive financial planning in connection with discretionary investment management of Client portfolios. These services are described below. Investment Management Services CWA provides customized investment management solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management services. CWA 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. CWA will then construct an investment portfolio, consisting of low-cost, cash, diversified mutual funds and/or exchange-traded funds (“ETFs”), individual stocks, bonds, alternative investments, or options contracts to achieve the Client’s investment goals. 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. CWA’s investment strategies are 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. CWA 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. CWA evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. CWA may recommend, on occasion, redistributing investment allocations to diversify the portfolio. CWA 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. CWA 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 CWA 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 the designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices. Use of Independent Managers – CWA may recommend to Clients that all or a portion of their investment portfolio be implemented by utilizing one or more unaffiliated money managers or investment platforms (collectively “Independent Managers”). Independent Managers may be sourced directly or accessed through an Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 5 of 43  investment management platform. The Client will be required to enter into a separate agreement with the Independent Manager[s]. CWA serves as the Client’s primary advisor and relationship manager. However, the Independent Manager[s] will assume discretionary authority for the day-to-day investment management of those assets placed in their control. CWA will assist and advise the Client in establishing investment objectives for their account[s], the selection of the Independent Manager[s], and defining any restrictions on the account[s]. CWA will continue to provide oversight of the Client’s account[s] and ongoing monitoring of the activities of these unaffiliated parties. The Independent Manager[s] will implement the selected investment strategies based on their investment mandates. The Client may be able to impose reasonable investment restrictions on these accounts, subject to the acceptance of these third parties. CWA does not receive any compensation from these Independent Managers or Investment Platforms, other than its investment advisory fee. Please see Item 5 – Fees and Compensation. Administrative Services Provided by a Third-Party Our Firm has contracted with a third-party to utilize its technology platforms to support data reconciliation, performance reporting, fee calculation and billing, client database maintenance, quarterly performance evaluations, payable reports, and other functions related to the administrative tasks of managing client accounts. Due to this arrangement, their platform will have access to client information, but the third- party will not serve as an investment adviser to our clients. Our Firm and the third-party are non-affiliated companies. The third-party charges our Firm an annual fee for each account administered by them. Please note that the fee charged to the client will not increase due to the annual fee our firm pays to the third-party, the annual fee is paid from the portion of the management fee retained by our Firm. There may be a possibility of price or account value discrepancies due to quarter-end transactions in an account. Dividends or trade date settlements may occur, and our third-party billing software may report a slight difference in account valuation at quarter end compared to what is reported in your Statement from the Custodian. Our firm has the ability to produce billing summaries, which can be provided upon request. Please review the statements provided by the Custodian. 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, 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. Participant Account Management - As part of the Advisor’s Investment Management Services, when appropriate, the Advisor will use a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows the Advisor to avoid being considered to have custody of Client funds since the Advisor does not have direct access to Client log-in credentials to affect trades. The Advisor is not affiliated with the platform in any way and does not receive compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, the Advisor will review the current account allocations. When deemed appropriate, the Advisor will rebalance the account considering client investment goals and risk tolerance, and changes in allocations will take into account current economic and market trends. The goal is to improve account performance over time and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 6 of 43  Flourish Cash- Flourish Cash is an online cash management solution that seeks to provide Clients with competitive APY and elevated FDIC coverage for their deposits placed at program banks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. CWA is not affiliated with Flourish or any of the program’s banks. CWA is not acting as an investment advisor representative or in a discretionary manner when inviting Clients to use Flourish and only do so with Client consent. CWA does not collect fees on cash managed through Flourish Cash. Flourish Lending- Flourish Lending is a lending solution made available through Flourish Financial LLC or its affiliates. CWA is not affiliated with Flourish or any participating lender. CWA is not acting as an investment adviser representative or in a discretionary manner when inviting Clients to use Flourish Lending and only does so with Client consent. CWA does not collect fees or receive compensation in connection with Client's use of Flourish Lending. Clients are under no obligation to use Flourish Lending and are free to obtain lending services from any provider they choose. Financial Planning Services- CWA will provide financial planning and consulting services to Clients, pursuant to a written financial planning agreement. CWA will identify the Client’s current financial situation by reviewing income, spending, savings, assets, and liabilities, including investment portfolio, tax exposure, insurance coverage, and estate plan. CWA will work with the Client to establish financial goals and strategy to achieve these goals. Generally, 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, retirement analysis, employee stock-based compensation, tax planning, investment planning, asset allocation, employee benefits, risk management planning, real estate planning, debt strategies, education planning, and estate planning. A financial plan developed for, or financial consultation rendered to the Client will usually include recommendations for a course of activity 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. CWA may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for 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. eMoney Advisor Platform Our Firm makes available to Clients the “eMoney Advisor” platforms to provide periodic comprehensive reporting services that can incorporate all the Client’s investment assets, including those investment assets that are not part of the assets managed by our Firm (“Excluded Assets”). The Client and their other advisors that maintain trading authority, and not our Firm, shall be exclusively responsible for the investment performance of the excluded assets. Unless otherwise expressly agreed to in writing, our Firm’s service relative to the excluded assets is limited to reporting only. Therefore, we shall not be responsible for the investment performance of the excluded Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 7 of 43  assets. Instead, the Client and the Client’s designated outside investment professional(s) maintain supervision, monitoring, and trading authority for the excluded assets. If our Client prefers, we will make recommendations as to any excluded assets; the Client has no obligation to accept the recommendation, and we shall not be responsible for any implementation error (timing, trading, etc.) relative to the excluded assets. The Client may engage us under the terms and conditions of a Consulting or Investment Advisory Agreement between our Firm and the Client. eMoney Advisor Platform may also provide access to other types of information, including financial planning concepts, which should not be construed as our Firm’s personalized investment advice or recommendations. We shall not be held responsible for any adverse results a Client may experience if the Client engages in financial planning or other functions available on the eMoney Advisor Platform without our assistance or oversight. Estate Planning Services- Through our partnership with an independent third-party technology companies, we can facilitate the preparation of various estate planning documents for clients. Such services are generally separate from any investment management and/or financial planning services that we may render to a client, and the exact scope of such estate planning services will depend on the nature of a client’s specific estate planning needs. As a condition of utilizing the services, you must agree to the terms and conditions available on the firm’s website. We may pay for your access to the third-party technology. For the avoidance of doubt, neither Advisor or the third-party service provider renders legal advice or services. The third-party may offer the ability to consult with licensed attorneys in various jurisdictions at an additional charge, and subject to additional terms and conditions. Clients should consult their own attorney for legal advice and for review of any estate planning documents. Tax Planning Services- Tax planning services offered through an independent third-party will assist you in the development of a multi-year income tax plan after careful consideration of your objectives and present financial situation. This process begins with the preparation of a comprehensive financial plan. Based on this analysis, we will recommend strategies to implement today that can have a positive impact on taxes due in future years, especially during retirement. Tax return preparation is not included in this service but can be obtained through the third party at an additional cost. C. Client Account Management Prior to engaging CWA 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 – CWA, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. • Portfolio Construction – CWA will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – CWA will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs CWA does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by CWA. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 8 of 43  E. Assets Under Management As of December 31, 2025, CWA manages $555,755,695 in Client Assets, all of which are managed on a discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one more written agreement with the Advisor. A. Fees for Advisory Services Wealth Management Services Investment advisory fees are paid monthly or quarterly, in advance of each calendar month or quarter, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of the prior month or quarter. Investment advisory fees are based on the following schedule: Annual Rate (%) 1.30% 1.00% 0.80% 0.60% 0.45% 0.35% Assets Under Management ($) Up to $500,000 $500,001 to $1,000,000 $1,000,001 to $2,000,000 $2,000,001 to $5,000,000 $5,000,001 to $10,000,000 $10,000,001 and over *Minimum annual fee of $11,500 *CWA will assess an additional 0.50% annual fee on accounts where the Advisor writes or buys options 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. If assets in excess of $50,000 are deposited into or withdrawn from the Client’s account[s], the Advisor’s investment advisory fees will be adjusted in the next billing period to reflect any difference in the fees. 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 CWA will be independently valued by the Custodian. CWA will conduct periodic reviews of the Custodian’s valuations. The Client may make additions or withdrawals from the account[s] at any time, subject to CWA’s right to terminate an account or the overall relationship with the Client. Additions may be in cash or securities. The Advisor reserves the right to liquidate any transferred securities or decline to accept certain securities at the Advisor’s sole discretion. Clients may withdraw account assets with notice to the Advisor, subject to the usual and customary securities settlement procedures. The Advisor typically designs its investment portfolios using a long-term investment approach and the withdrawal of assets may impair the achievement of a Client’s investment objectives. The Advisor may consult the Client about certain implications from such withdrawals. Clients are advised that if securities are liquidated, they may be subject to securities transaction fees, short-term redemption fees, and/or tax ramifications. 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. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an Independent Manager. The Advisor will only earn its investment advisory fee as described above. The Independent Manager will allocate a portion of the advisory fee collected to the Advisor pursuant to the terms of the executed agreement between the Advisor and the Independent Manager. The total blended fee, including the Advisor’s fee Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 9 of 43  and the Independent Manager’s fee, will not exceed 3.00% annually. Financial Planning Services CWA offers financial planning services for a fixed engagement fee ranging up to $25,000 per engagement. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total costs will be determined prior to engaging for these services. Estate Planning Services CWA offers estate planning services for a fixed engagement fee ranging up to $5,000 per engagement. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total costs will be determined prior to engaging for these services. Tax Planning Services CWA offers tax planning services for a fixed engagement fee ranging up to $5,000 per engagement. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total costs will be determined prior to engaging for these services. B. Fee Billing Wealth 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 4) to the total assets under management with CWA at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fee. Clients are urged to also review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to be deducted by CWA 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. Use of Independent Managers Client account[s] implemented through Independent Manager[s] will be billed in accordance with the separate agreement[s] with the respective parties. These parties will typically add CWA’s investment advisory fee and deduct the overall fee from the Client’s account[s]. Financial Planning Services Financial Planning fees will be invoiced at a rate of 1/3 of the total financial planning fee over three months from the financial planning services agreement execution date. Estate Planning Services Estate planning fees will be invoiced upon engagement for services. Tax Planning Services Estate planning fees will be invoiced upon engagement for services. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than CWA, 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, as 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 meets the terms and conditions of the Custodian's brokerage requirements. However, the Custodian typically charges for mutual funds and other types of investments. The fees charged by CWA are separate and distinct from these custody and execution fees. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 10 of 43  In addition, all fees paid to CWA 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 CWA, but would not receive the services provided by CWA 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 CWA 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 Wealth Management Services CWA may be compensated for its services in advance of the quarter in which services are rendered. Either party may 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. Upon termination, 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. Financial Planning Services CWA 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 the percentage of the engagement scope completed by the Advisor. Upon termination, the Advisor will refund any unearned, prepaid planning fees from the effective date of termination to the end of the quarter. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities CWA does not buy or sell securities to earn commissions and does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Item 6 – Performance-Based Fees and Side-By-Side Management CWA does not charge performance-based fees for its investment advisory services. The fees charged by CWA are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. CWA 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 CWA offers investment advisory services to individuals, high net worth, individuals, retirement,trusts and estates. The amount of each type of Client is available on CWA’s Form ADV Part 1A. These amounts may change over time and are updated at least annually by the Advisor. CWA generally requires a minimum annual fee of $11,500. The Advisor reserves the right to waive this minimum fee at its sole discretion. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 11 of 43  Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis CWA primarily employs a Modern Portfolio Theory and fundamental analysis methods in developing investment strategies for its Clients. Research and analysis from CWA 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. Modern Portfolio Theory (“MPT”), a Nobel Prize-winning approach, as a formal process for investment selection. Through the comparison of historical return, historical volatility, and historical correlation, MPT finds the most efficient portfolio for a given level of risk. To illustrate this concept, in the figure below, the efficient frontier (curved line) allows an investor to choose the most efficient portfolio (squares) based on desired return or risk. The application of MPT to real-world investments is not pure science. The sensitive process of gathering suitable inputs and constructing constraints to create marketable portfolios requires the infusion of opinion, experience, and importantly, a deep understanding of financial theory and markets. An inherent risk in the application of MPT is the understanding that historical characteristics of an investment or index are not necessarily indicative of future outcomes. The Advisor employs various measures to mitigate this risk, including, but not limited to: continuously challenging all assumptions, applying practical constraints to the portfolio models and considering alternative courses of history. Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists generally of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. As noted above, CWA generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. CWA 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, CWA 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. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 12 of 43  The risks associated with a particular strategy are provided to each Client in advance of investing funds in Client accounts. The Advisor will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Advisor’s investment strategies: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs has a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e. the risk that bond prices will fall if interest rates rise, and vice versa, the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e. the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e. the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e. the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e. the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e. the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily therefore a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. 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. Alternative Investments Alternative investments include other additional risks. Lock-up periods and other terms obligate Clients to commit their capital investment for a minimum period, typically no less than one or two years and sometimes up to 10 or more years. Illiquidity is considered a substantial risk and will restrict the ability of a Client to liquidate an investment early, regardless of the success of the investment. Alternative investments can be difficult to value within a Client’s total portfolio. There may be limited availability of suitable benchmarks for performance comparison; historical performance data may also be limited. In some cases, there may be a lack of transparency and regulation, providing an additional layer of risk. Some alternative investments may involve the use of leverage and other speculative techniques. As a result, some alternative investments may carry substantial additional risks, resulting in the loss of some or all of the investment. Using leverage and certain other strategies will result in adverse tax consequences for tax-exempt investors, such as the possibility of unrelated business taxable income, as defined under the U.S. Internal Revenue Code. Clients should only have a portion of their assets in these investments. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 13 of 43  Cybersecurity Risk Increased Internet use makes a portfolio susceptible to operational and informational security risks. In general, cyber incidents can result from deliberate attacks or unintentional events. Cyberattacks include but are not limited to infection by computer viruses or other malicious software code, gaining unauthorized access to systems, networks, or devices through “hacking” or other means to misappropriate assets or sensitive information, corrupting data, or causing operational disruption. Cybersecurity failures or breaches of third-party service providers may cause disruptions at third-party service providers and impact our business operations, potentially resulting in financial losses; the inability to transact business; violations of applicable privacy and other laws, regulatory fines, or penalties; reputational damage; unanticipated expenses or other compensation costs; or additional compliance costs. Our Firm has an established business continuity and disaster recovery plan and related cybersecurity procedures designed to prevent or reduce the impact of such risks; there are inherent limitations in such plans and systems due in part to the evolving nature of technology and cyberattack tactics. When we use a third-party platform for held-away accounts to view or rebalance a client’s 401(k), 403(b), or other held-away retirement account, the client should understand that doing so creates additional operational and cybersecurity risk beyond accounts we manage directly. Although it may be stated that advisers using its platform can generally view account information and communicate rebalancing instructions, but cannot withdraw or transfer funds, initiate distributions, change beneficiaries or contributions, or view client login credentials, use of the platform still requires account information to be electronically linked, transmitted, stored, and refreshed among multiple parties. This increases the risk of unauthorized access, data compromise, service interruptions, incomplete or stale information, and delayed, rejected, or incorrectly implemented transactions. Some platforms may state that its client- protection commitment does not cover adviser-directed investment decisions, reallocation instructions, or market losses, and retirement plans, recordkeepers, or custodians may impose restrictions or terminate third-party access, which could prevent or disrupt management through the platform. Non-Purpose Loans and Lines of Credit Non-purpose loans and lines of credit carry a number of risks, including but not limited to the risk of a market downturn, tax implications if collateralized securities are liquidated, and an increase in interest rates. A decline in the market value of collateralized securities held in the account[s] at the Custodian, may result in a reduction in the draw amount of the Client’s line of credit, a demand from the Lending Program that the Client deposit additional funds or securities in the Client’s collateral account[s], or a forced sale of securities in the Client’s collateral account[s]. 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 CWA or its management persons. CWA values the trust Clients place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor or Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 314466. Item 10 – Other Financial Industry Activities and Affiliations Insurance Agency Affiliations Certain Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with CWA. As an insurance professional, the Advisory Person may receive customary commissions and other related revenues from the various insurance companies whose products are sold. The Advisory Person is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This may cause a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by the Advisory Persons or the Advisor. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 14 of 43  Flourish Cash As stated above, CWA has made available Flourish Cash, an online cash management solution that seeks to provide Clients with competitive APY and elevated FDIC coverage for their deposits placed at program banks. CWA is not affiliated with Flourish or any of the program’s banks. CWA is not acting as an investment advisor representative or in a discretionary manner when inviting Clients to use Flourish and only do so with Client consent. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics CWA 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 CWA (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. CWA and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of CWA’s 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 (206) 533-3670. B. Personal Trading with Material Interest CWA allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. CWA 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. CWA does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients CWA 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 CWA by conducting a coordinated review of personal accounts and the accounts of the Clients. 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 CWA 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 afterwards. At no time will CWA, or any Supervised Person of CWA, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] CWA 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 CWA to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, CWA does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where CWA 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 CWA. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. CWA may Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 15 of 43  recommend the Custodian based on criteria such as, but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, and its reputation and/or the location of the Custodian’s offices. CWA will generally recommend that Clients establish their account[s] with Charles Schwab & Co., Inc. (“Schwab”), a FINRA-registered broker-dealer and member SIPC, or with Fidelity Clearing and Custody Solutions and related divisions of Fidelity Investments, Inc. (collectively “Fidelity”), a FINRA-registered broker-dealer and member SIPC. Schwab and/or Fidelity will serve as the Client’s “qualified custodian”. CWA maintains an institutional relationship with Schwab and Fidelity, whereby the Advisor receives economic benefits from the Custodian. Please see Item 14 below. 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. CWA does not participate in soft dollar programs sponsored or offered by any broker- dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please see Item 14 below. 2. Brokerage Referrals - CWA 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 CWA will place trades within the established account[s] at the Custodian designated by the Client. Further, all Client accounts are traded within their respective account[s]. The Advisor will not engage in any principal transactions (i.e., trade of any security from or to the Advisor’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). CWA 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 considering such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. CWA will execute its transactions through the Custodian as authorized by the Client. CWA 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. C. Lending Opportunities Through CWA’s relationship with Charles Schwab & Co., Inc. (“Schwab”), certain Clients may have access to mortgage or lending resources, including but not limited to Rocket Mortgage. Certain Clients may also receive relationship pricing based on assets maintained at Schwab and the type of loan involved. CWA does not receive compensation or referral fees in connection with these arrangements. Clients are not obligated to use Rocket Mortgage or any other lending provider made available through Schwab. Use of any such lending resource is separate from the advisory services provided by CWA, and Clients remain free to obtain mortgage or lending services from any provider of their choosing. Because access to these resources is made available through CWA’s relationship with Schwab, CWA has an incentive to recommend or maintain Schwab as custodian, which creates a conflict of interest. CWA addresses this conflict by recommending custodians based on factors it believes are in the best interest of Clients, including but not limited to the quality of services provided, the reasonableness of costs, and the overall suitability of the custodial relationship. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 16 of 43  Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Advisory Persons of CWA and periodically reviewed by Mr. Christopher M. Kaminski, Chief Compliance Officer. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. B. Causes for Reviews In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify CWA 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 also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by CWA CWA is a fee-based advisory firm, that is compensated solely by its Clients and not from any investment product. CWA does not receive commissions or other compensation from product sponsors, broker-dealers or any un-related third party. CWA 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, CWA may receive non-compensated referrals of new Clients from various third parties. Other Professionals B. Compensation for Client Referrals Promoters • We may enter into agreements with individuals who will promote our Firm (“Promoters”). If a Client is introduced to our Firm by a Promoter, we will pay that Promoter a referral fee per the requirements of Rule 206(4)-1 of the Investment Advisers Act of 1940 and any corresponding state securities law requirements. Any referral fee will be paid solely from advisory fees and will not incur additional charges to the Client. The Promoter, at the time of the referral, will disclose the nature of the Promoter relationship and provide each prospective client with a copy of the written disclosure statement from the Promoter to the Client disclosing the terms of the arrangement between our Firm and the Promoter, including the compensation to be received by the Promoter from our Firm. Lead Generation • Our Firm pays for lead generation services through other third parties. In exchange for these services, we pay monthly fee. Lead generation firms provide an online search tool to the public that allows prospective clients to search for individual advisors within a selected state or region. These passive websites may enable prospective clients to contact an advisor via electronic mail, telephone, or other contact information. Clients who find our Firm this way do not pay more for their services than Clients referred in any other fashion. There is no direct solicitation of Clients for the IAR by the lead generation service. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 17 of 43  Item 15 – Custody CWA 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 CWA 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 CWA to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare them to any reports provided by CWA to ensure accuracy, as the Custodian does not perform this review. Money Movement Authorization - Additionally, our Firm is deemed to have custody of the Client’s funds or securities when you have standing authorizations with their Custodian to move money from your account to a third-party Standing Letter of Authorization (“SLOA”) and, under that SLOA, it authorizes us to designate the amount or timing of transfers with the Custodian. The SEC has set forth standards to protect your assets in such situations, which we follow. We do not have a beneficial interest in any of the accounts we are deemed to have Custody of where SLOAs are on file. In addition, account statements reflecting all activity on the account(s) are delivered directly from the qualified Custodian to each Client or the Client’s independent representative at least monthly. You should carefully review those statements and are urged to compare the statements against reports received from us. When you have questions about your account statements, contact us, your Advisor, or the qualified Custodian preparing the statement. Item 16 – Investment Discretion CWA 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 CWA. 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 CWA will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities CWA 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. Our Firm does not advise or instruct Clients on whether to participate as a member of class action lawsuits and will not automatically file claims on the Client’s behalf. However, if a Client notifies us that they wish to participate in a class action, we will provide the Client with transaction information about the Client’s account that is required to file a proof of claim in a class action. Item 18 – Financial Information Neither CWA, nor its management, have any adverse financial situations that would reasonably impair the ability of CWA to meet all obligations to its Clients. Neither CWA, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 18 of 43  Form ADV Part 2B – Brochure Supplement for Christopher M. Kaminski CFP®, ChFC®, RICP®, CLU®, Founder, Financial Advisor, and Chief Compliance Officer Effective: March 20, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Christopher M. Kaminski (CRD# 5637962) in addition to the information contained in the CWA, LLC (“CWA” or the “Advisor”, CRD# 314466) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact us at (206) 533-3670. Additional information about Mr. Kaminski 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# 5637962. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 19 of 43  Item 2 – Educational Background and Business Experience Christopher M. Kaminski, CFP®, ChFC®, RICP®, CLU®, born in 1987, is dedicated to advising Clients of Consilio Wealth Advisors, LLC as a Founder, Financial Advisor, and Chief Compliance Officer. Mr. Kaminski earned a Bachelor of Arts in Business, Finance Concentration from University of Washington in 2010. Additional information regarding Mr. Kaminski’s employment history is included below. Employment History: 06/2021 to Present Founder, Financial Advisor, and Chief Compliance Officer, Consilio Wealth Advisors, LLC Wealth Management Advisor, Northwestern Mutual Investment Services, LLC 01/2009 to 06/2021 The Chartered Life Underwriter™ (“CLU®”) The Chartered Life Underwriter™ (CLU®) is a designation of insurance expertise, helping gain a significant advantage in a competitive market. This course of study helps by providing in-depth knowledge of the insurance needs of individuals, business owners, and professional clients. Program Learning Objectives: • Provide guidance to clients on types and amounts of life insurance needed. • Make recommendations on aspects of risk management, including personal and business uses of a variety of insurance solutions. • Provide guidance to clients on legal aspects of life insurance contracts and beneficiaries. • Assist clients in making decisions about estate planning, including the proper holding of assets and title to assets, as well as the implications of various wills and trust arrangements on financial, retirement and succession planning issues. • Provide a holistic and comprehensive approach to addressing the insurance planning needs of their clients. 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 20 of 43  Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Chartered Financial Consultant® (ChFC®) The Chartered Financial Consultant® (ChFC®) program prepares you to meet the advanced financial planning needs of individuals, professionals and small business owners. You'll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning. The ChFC® requires three years of full-time, relevant business experience, nine two-hour course specific proctored exams, and 30 hours of continuing education every two years. Holders of the ChFC® designation must adhere to The American College’s Code of Ethics. Program Objectives: • Function as an ethical, competent and articulate practitioner in the field of financial planning • Utilize the intellectual tools and framework needed to maintain relevant and current financial planning knowledge and strategies. • Apply financial planning theory and techniques through the development of case studies and solutions. • Apply in-depth knowledge in a holistic manner from a variety of disciplines; namely, estate planning, retirement planning or non-qualified deferred compensation. Retirement Income Certified Professional ™ (“RICP ®”) The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and ethics requirements. The credential is awarded by The American College, a non-profit educator with an 85-year heritage and the highest form of academic accreditation. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Kaminski. Mr. Kaminski 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. Kaminski. 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. Kaminski. However, we do encourage you to independently view the background of Mr. Kaminski on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5637962. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 21 of 43  Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Kaminski is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Kaminski’s role with CWA. As an insurance professional, Mr. Kaminski will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Kaminski 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. Kaminski or the Advisor. Mr. Kaminski spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Kaminski has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Kaminski serves as a Founder, Financial Advisor, and Chief Compliance Officer of CWA. Mr. Kaminski can be reached at (206) 533-3670. CWA has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 22 of 43  Form ADV Part 2B – Brochure Supplement for Matthew S. Behning, CFP®, RICP® Financial Planner Effective: March 20, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Matthew S. Behning, CFP®, RICP® (CRD# 6269145) in addition to the information contained in the Consilio Wealth Advisors, LLC (“CWA” or the “Advisor”, CRD# 314466) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact us at 206-533-3670. Additional information about Mr. Behning 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# 6269145. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 23 of 43  Item 2 – Educational Background and Business Experience Matthew S. Behning, CFP®, RICP®, born in 1981, is dedicated to advising Clients of CWA as an Associate Advisor. Mr. Behning earned a Bachelors of Art in Finance from Mount Mercy College in 2009. Mr. Behning also earned a Master of Business Administration from Ashford University in 2011. Additional information regarding Mr. Behning’s employment history is included below. Employment History: Finanacial Planner, Consilio Wealth Advisors, LLC Registered Representative, Northwestern Mutual Investment Services, LLC Financial Solutions Advisor, Bank of America Merrill Lynch Financial Advisor, Merrill Lynch Financial Advisor, Northwestern Mutual Investment Services, LLC 06/2021 to Present 05/2019 to 06/2021 02/2018 to 04/2019 09/2015 to 06/2017 01/2014 to 08/2015 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®. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 24 of 43  Retirement Income Certified Professional ™ (“RICP ®”) The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and ethics requirements. The credential is awarded by The American College, a non-profit educator with an 85-year heritage and the highest form of academic accreditation. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Behning. Mr. Behning 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. Behning. 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. Behning. However, we do encourage you to independently view the background of Mr. Behning on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6269145. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Behning is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Behning’s role with CWA. As an insurance professional, Mr. Behning will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Behning 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. Behning or the Advisor. Mr. Behning spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Behning has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Behning serves as a Financial Planner of CWA and is supervised by Christopher Kaminski, the Chief Compliance Officer. Mr. Kaminski can be reached at 206-533-3670. CWA has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 25 of 43  Form ADV Part 2B – Brochure Supplement for Hao B. Dang, CFA® Investment Strategist Effective: Mach 20, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Hao B. Dang, CFA® (CRD# 6372934) in addition to the information contained in the Consilio Wealth Advisors, LLC (“CWA” or the “Advisor”, CRD# 314466) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact us at 206-533-3670. Additional information about Mr. Dang 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# 6372934. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 26 of 43  Item 2 – Educational Background and Business Experience Hao B. Dang, CFA®, born in 1981, is dedicated to advising Clients of CWA as the Investment Strategist. Mr. Dang earned a Masters from CSU Sacramento in 2013. Mr. Dang also earned a Bachelors from CSU Sacramento in 2006. Additional information regarding Mr. Dang’s employment history is included below. Employment History: Investment Strategist, Consilio Wealth Advisors, LLC Investment Advisor Representative, Strategic Wealth Advisors Group, Inc. Financial Solutions Advisor, Bank of America Financial Advisor, Merrill Lynch, Pierce, Fenner & Smith Inc Financial Advisor, Edward Jones Sr Business Analyst, Pacific Gas and Electric 11/2021 to Present 01/2016 to 11/2021 10/2015 to 01/2016 10/2015 to 01/2016 07/2014 to 10/2015 09/2008 to 06/2014 Chartered Financial Analyst™ (“CFA®”) The Chartered Financial Analyst™ (“CFA®”) charter is a professional designation established in 1962 and awarded by CFA® Institute. To earn the CFA® charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA® Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA® charter holders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm their adherence to the CFA® Institute Code of Ethics and Standards of Professional Conduct. CFA® is a trademark owned by CFA® Institute. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Dang. Mr. Dang 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. Dang. 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. Dang. However, we do encourage you to independently view the background of Mr. Dang on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6372934. Item 4 – Other Business Activities Mr. Dang is dedicated to the investment advisory activities of CWA’s Clients. Mr. Dang does not have any other business activities. Item 5 – Additional Compensation Mr. Dang is dedicated to the investment advisory activities of CWA’s Clients. Mr. Dang does not receive any additional forms of compensation. Item 6 – Supervision Mr. Dang serves as the Investment Strategist of CWA and is supervised by Christopher Kaminski, the Chief Compliance Officer. Mr. Kaminski can be reached at 206-533-3670. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 27 of 43  CWA has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 28 of 43  Form ADV Part 2B – Brochure Supplement for Angela M. Phillips, CFP® Investment Operations Specialist Effective: March 20, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Angela M. Phillips, CFP® (CRD# 5394935) in addition to the information contained in the Consilio Wealth Advisors, LLC (“CWA” or the “Advisor”, CRD# 314466) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact us at 206-533-3670. Additional information about Mrs. Phillips 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# 5394935. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 29 of 43  Item 2 – Educational Background and Business Experience Angela M. Phillips, CFP®, born in 1987, is dedicated to advising Clients of CWA as an Investment Operations Specialist. Mrs. Phillips earned a Masters from The American College in 2010. Mrs. Phillips also earned a Bachelors from Canisius College in 2008. Additional information regarding Mrs. Phillips’s employment history is included below. Employment History: Investment Operations Specialist, Consilio Wealth Advisors, LLC Registered Representative, Park Avenue Securities Agent, Guardian Life Insurance Company Registered Representative, Wells Fargo Advisors Financial Network Operations Manager, Mass Mutual Life Insurance Company 11/2021 to Present 05/2021 to 01/2022 04/2021 to 12/2021 03/2020 to 01/2021 01/2015 to 03/2020 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®. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 30 of 43  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. Phillips. Mrs. Phillips has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Phillips. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Phillips. However, we do encourage you to independently view the background of Mrs. Phillips on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5394935. Item 4 – Other Business Activities Insurance Agency Affiliations Mrs. Phillips is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mrs. Phillips’ role with CWA. As an insurance professional, Mrs. Phillips will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mrs. Phillips is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mrs. Phillips or the Advisor. Mrs. Phillips spends approximately 5% of her time per month in this capacity. Item 5 – Additional Compensation Mrs. Phillips has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mrs. Phillips serves as an Investment Operations Specialist of CWA and is supervised by Christopher Kaminski, the Chief Compliance Officer. Mr. Kaminski can be reached at 206-533-3670. CWA has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 31 of 43  Form ADV Part 2B – Brochure Supplement for Alexander H. Dorell, CFP®, CFA®,RICP® Sr. Wealth Advisor Effective: March 20, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Alexander H. Dorell, CFP®, CFA®, RICP®, (CRD# 5829067) in addition to the information contained in the Consilio Wealth Advisors, LLC (“CWA” or the “Advisor”, CRD# 314466) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact us at 206-533-3670. Additional information about Mr. Dorell 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# 5829067. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 32 of 43  Item 2 – Educational Background and Business Experience Alexander H. Dorell, CFP®, CFA®, RICP®, born in 1983, is dedicated to advising Clients of CWA as a Financial Advisor. Mr. Dorell earned a Bachelor of Science in Finance from Indiana University Purdue University Indianapolis in 2009. Mr. Dorell also earned a Bachelor of Arts in Spanish from Indiana University Purdue University Indianapolis in 2009. Additional information regarding Mr. Dorell’s employment history is included below. Employment History: Sr. Wealth Advisor, Consilio Wealth Advisors, LLC Driver, Uber and Postmates Client Relationship Specialist, Charles Schwab Associate Advisor, Northwestern Mutual Investment Services, LLC 06/2021 to Present 01/2014 to Present 07/2010 to 02/2018 02/2018 to 06/2021 Chartered Financial Analyst™ (“CFA®”) The Chartered Financial Analyst™ (“CFA®”) charter is a professional designation established in 1962 and awarded by CFA® Institute. To earn the CFA® charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA® Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA® charter holders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm their adherence to the CFA® Institute Code of Ethics and Standards of Professional Conduct. CFA® is a trademark owned by CFA® Institute. 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 Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 33 of 43  • 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®. Retirement Income Certified Professional ™ (“RICP ®”) The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and ethics requirements. The credential is awarded by The American College, a non-profit educator with an 85-year heritage and the highest form of academic accreditation. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Dorell. Mr. Dorell 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. Dorell. 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. Dorell. However, we do encourage you to independently view the background of Mr. Dorell on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5829067. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Dorell is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Dorell’s role with CWA. As an insurance professional, Mr. Dorell will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Dorell 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. Dorell or the Advisor. Mr. Dorell spends approximately 10% of his time per month in this capacity. Uber and Postmates Driver Mr. Dorell, in his separate capacity, works as an Uber and Postmates driver. Mr. Dorell is compensated on a per-fare and distance/time basis. Mr. Dorell spends approximately 20 hours per month in this capacity, none of which are during securities trading hours. Item 5 – Additional Compensation Mr. Dorell has additional business activities where compensation is received that are detailed in Item 4 above. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 34 of 43  Item 6 – Supervision Mr. Dorell serves as a Sr. Wealth Advisor of CWA and is supervised by Christopher Kaminski, the Chief Compliance Officer. Mr. Kaminski can be reached at 206-533-3670. CWA has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 35 of 43  Form ADV Part 2B – Brochure Supplement for Spencer D. Sprague Wealth Advisor Effective: March 20, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Spencer D. Sprague (CRD# 7935302) in addition to the information contained in the Consilio Wealth Advisors, LLC (“CWA” or the “Advisor”, CRD# 314466) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact us at 206-533-3670. Additional information about Mr. Sprague 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# 7935302. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 36 of 43  Item 2 – Educational Background and Business Experience Spencer D. Sprague, born in 2000, is dedicated to advising Clients of CWA as an Associate Advisor. Mr. Sprague earned a Bachelor of Arts: Financial Services major & Business Administration major from George Fox University in 2023. Additional information regarding Mr. Sprague’s employment history is included below. Employment History: Wealth Advisor, Consilio Wealth Advisors, LLC Financial Planning Associate, Blue Trust Financial Planning Intern, Blue Trust Busser / Restaurant Server, The Club at Snoqualmie Ridge 06/2024 to Present 08/2023 to 06/2024 06/2022 to 07/2022 04/2018 to 08/2019 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Sprague. Mr. Sprague 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. Sprague. 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. Sprague. However, we do encourage you to independently view the background of Mr. Sprague on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7935302. Item 4 – Other Business Activities Mr. Sprague is dedicated to the investment advisory activities of CWA’s Clients. Mr. Sprague does not have any other business activities. Item 5 – Additional Compensation Mr. Sprague is dedicated to the investment advisory activities of CWA’s Clients. Mr. Sprague does not receive any additional forms of compensation. Item 6 – Supervision Mr. Sprague serves as a Wealth Advisor of CWA and is supervised by Christopher Kaminski, the Chief Compliance Officer. Mr. Kaminski can be reached at 206-533-3670. CWA has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 37 of 43  Form ADV Part 2B – Brochure Supplement for Carin D. Sevigny, CFP® Wealth Advisor Effective: March 20, 2026 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Carin D. Sevigny, CFP®, (CRD# 6108800) in addition to the information contained in the Consilio Wealth Advisors, LLC (“CWA” or the “Advisor”, CRD# 314466) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the CWA Disclosure Brochure or this Brochure Supplement, please contact us at 206-533-3670. Additional information about Ms. Sevigny 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# 6108800. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 38 of 43  Item 2 – Educational Background and Business Experience Carin D. Sevigny, CFP®, born in 1985, is dedicated to advising Clients of CWA as an Associate Advisor. Ms. Sevigny earned a Bachelor's in Hospitality Business Management with a Minor in Business Administration from Washington State University in 2007. Also, Ms. Sevigny obtained her CFP® from the College of Financial Planning in 2025. Additional information regarding Ms. Sevigny’s employment history is included below. Employment History: 05/2025 to Present 01/2021 to 05/2024 Wealth Advisor, Consilio Wealth Advisors, LLC Vice President/Chief Operations Officer/Chief Compliance Officer, The Retirement Solution Vice President/Chief Operations Officer, The Retirement Solution Director of Client Operations/Associate Planner, The Retirement Solution 07/2016 to 12/2020 09/2014 to 07/2016 CERTIFIED FINANCIAL PLANNER® Professional I am certified for financial planning services in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”). Therefore, I may refer to myself as a CERTIFIED FINANCIAL PLANNER® professional or a CFP® professional, and I may use these and the other certification marks (the “CFP Board Certification Marks”) that Certified Financial Planner Board of Standards Center for Financial Planning, Inc. has licensed to CFP Board in the United States. The CFP® certification is voluntary. No federal or state law or regulation requires financial planners to hold the CFP® certification. You may find more information about the CFP® certification at www.cfp.net. CFP® professionals have met CFP Board’s high standards for education, examination, experience, and ethics. To become a CFP® professional, an individual must fulfill the following requirements: • Education – Earn a bachelor’s degree or higher from an accredited college or university and complete CFP Board-approved coursework at a college or university through a CFP Board Registered Program. The coursework covers the financial planning subject areas CFP Board has determined are necessary for the competent and professional delivery of financial planning services, as well as a comprehensive financial plan development capstone course. A candidate may satisfy some of the coursework requirement through other qualifying credentials. CFP Board implemented the bachelor’s degree or higher requirement in 2007 and the financial planning development capstone course requirement in March 2012. Therefore, a CFP® professional who first became certified before those dates may not have earned a bachelor’s or higher degree or completed a financial planning development capstone course. • Examination – Pass the comprehensive CFP® Certification Examination. The examination is designed to assess an individual’s ability to integrate and apply a broad base of financial planning knowledge in the context of real-life financial planning situations. • Experience – Complete 6,000 hours of professional experience related to the personal financial planning process, or 4,000 hours of apprenticeship experience that meets additional requirements. • Ethics – Satisfy the Fitness Standards for Candidates for CFP® Certification and Former CFP® Professionals Seeking Reinstatement and agree to be bound by CFP Board’s Code of Ethics and Standards of Conduct (“Code and Standards”), which sets forth the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements to remain certified and maintain the right to continue to use the CFP Board Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 39 of 43  Certification Marks: • Ethics – Commit to complying with CFP Board’s Code and Standards. This includes a commitment to CFP Board, as part of the certification, to act as a fiduciary, and therefore, act in the best interests of the client, at all times when providing financial advice and financial planning. CFP Board may sanction a CFP® professional who does not abide by this commitment, but CFP Board does not guarantee a CFP® professional's services. A client who seeks a similar commitment should obtain a written engagement that includes a fiduciary obligation to the client. • Continuing Education – Complete 30 hours of continuing education every two years to maintain competence, demonstrate specified levels of knowledge, skills, and abilities, and keep up with developments in financial planning. Two of the hours must address the Code and Standards. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Ms. Sevigny. Ms. Sevigny 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. Sevigny. 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. Sevigny. However, we do encourage you to independently view the background of Ms. Sevigny on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6108800. Item 4 – Other Business Activities Ms. Sevigny is dedicated to the investment advisory activities of CWA’s Clients. Ms. Sevigny does not have any other business activities. Insurance Agency Affiliations Ms. Sevigny is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Ms. Sevigny’s role with CWA. As an insurance professional, Ms. Sevigny will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Ms. Sevigny 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. Sevigny or the Advisor. Ms. Sevigny spends approximately 5% her time per month in this capacity. Item 5 – Additional Compensation Ms. Sevigny has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Ms. Sevigny serves as a Wealth Advisor of CWA and is supervised by Christopher Kaminski, the Chief Compliance Officer. Mr. Kaminski can be reached at 206-533-3670. CWA has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of CWA. Further, CWA is subject to regulatory oversight by various Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 40 of 43  agencies. These agencies require registration by CWA and its Supervised Persons. As a registered entity, CWA is subject to examinations by regulators, which may be announced or unannounced. CWA 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 41 of 43  Privacy Policy Effective: March 4, 2025 Our Commitment to You CWA, LLC (“CWA” 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. CWA (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. CWA 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 questionnaires and suitability Other advisory agreements and legal documents Transactional information with us or others Account applications and forms Investment 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. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 42 of 43  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 to: processing No Not Shared Yes Yes 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 transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Marketing Purposes CWA 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 CWA 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. 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 CWA does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically, we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at (206) 533-3670. Consilio Wealth Advisors, LLC 500 108th Avenue NE, SuIte 1100 | Bellevue, WA 98004 Phone: (206) 533-3670 www.consiliowealth.com Page 43 of 43