M3 ADVISORY GROUP, LLC

M3 Advisory Group, LLC Form ADV Part 2 – Disclosure Brochure Effective: October 27, 2025 This Form ADV 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of M3 Advisory Group, LLC (“M3” or the “Advisor”). If you have any questions about the content of this Disclosure Brochure, please contact the Advisor at (781) 371-2670. M3 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 M3 to assist you in determining whether to retain the Advisor. Additional information about M3 and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 156208. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203 Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.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 M3. For convenience, the Advisor has combined these documents into a single disclosure document. M3 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. M3 encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to this Disclosure Brochure since the annual amendment filing on January 30th, 2025: • The Advisor no longer votes proxy on behalf of Clients. Please see item 17 for additional information. • The Advisor has added Independent Managers as part of its service offering, and has updated Items 4, 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 this summary of Material Changes shall be provided to you annually or if a material change is made. 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# 156208. You may also request a copy of this Disclosure Brochure at any time, by contacting the Advisor at (781) 371-2670. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 2 -  Item 3 – Table of Contents ITEM 1 - COVER ................................................................................................................................................................. 1 ITEM 2 - MATERIAL CHANGES ...................................................................................................................................... 2 ITEM 4 – ADVISORY SERVICES ..................................................................................................................................... 4 ITEM 5 – FEES AND COMPENSATION ......................................................................................................................... 8 ITEM 6 – PERFORMANCE-BASED FEES ...................................................................................................................... 9 ITEM 7 – TYPES OF CLIENTS ....................................................................................................................................... 10 ITEM 8 – METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS ................................. 10 ITEM 9 – DISCIPLINARY INFORMATION ................................................................................................................. 11 ITEM 10 – OTHER FINANCIAL ACTIVITIES AND AFFILIATIONS ...................................................................... 11 ITEM 11 – CODE OF ETHICS, PARTICIPATION IN CLIENT TRANSACTIONS AND PERSONAL TRADING .............................................................................................................................................................................................. 12 ITEM 12 – BROKERAGE PRACTICES ......................................................................................................................... 12 ITEM 13 – REVIEW OF ACCOUNTS ............................................................................................................................ 13 ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION ........................................................................ 14 ITEM 15 – CUSTODY ...................................................................................................................................................... 14 ITEM 16 – INVESTMENT DISCRETION ..................................................................................................................... 14 ITEM 17 – VOTING CLIENT SECURITIES .................................................................................................................. 14 ITEM 18 – FINANCIAL INFORMATION ..................................................................................................................... 15 BROCHURE SUPPLEMENTS (ADV2B) ....................................................................................................................... 17 PRIVACY POLICY ............................................................................................................................................................. 23 M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 3 -  Item 4 – Advisory Services A. Firm Information M3 Advisory Group, LLC (“M3” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a limited liability company (“LLC”) under the laws of Massachusetts. M3 was founded in January 2011 and is owned by John D. Jeffries (Managing Director). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by M3. For additional information on M3 or this Disclosure Brochure, please contact Nicholas Jeffries, Chief Compliance Officer. B. Advisory Services Offered M3 offers investment advisory services to individuals, high net worth individuals, trust, estates, retirement plans, charitable organizations and corporations (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under 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. M3’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 Investment Management Services M3 provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and consulting services. M3 works with its Clients to identify their investment goals and objectives as well as their risk tolerance and financial situation in order to create a portfolio strategy. M3 will then construct a portfolio, consisting of domestic and international equity securities, fixed income securities, exchange-traded funds (“ETFs”) and/or mutual funds to achieve the Client’s investment goals. The Advisor may also utilize other investments as necessary to meet the needs of its Clients. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. M3’s investment approach is primarily long-term focused, but the Advisor may buy, sell or re-allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. M3 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 the acceptance by the Advisor. M3 evaluates and selects investments for inclusion in Client portfolios only after applying their internal due diligence process, which may include an evaluation of the style consistency, management fees, overall expense ratios, fund performance, manager tenure, and several other factors of each investment. M3 may recommend, on occasion, redistributing investment allocations to diversify the portfolio in an effort to reduce risk and increase performance. M3 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. M3 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 Client, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will M3 accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the advisory agreement, please see Item 12 – Brokerage Practices. M3 Asset Allocation Portfolios – M3 will typically invest Client accounts in the M3 Asset Allocation Portfolios. The methodology employed by M3 utilizes risk-controlling features which manage portfolios through the application of Riskalyze guidelines that govern the investment management of the portfolio. M3’s investment models are M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 4 -  based on the concept of “Using Disciplined Riskalyze Diversification to Build and Preserve Our Client’s Wealth.” In our experience the application of such rules to the management of a portfolio allows for “active” management of a portfolio while also attempting to control risk. M3’s management process is designed to limit the affect by subjective and emotional human decision-making, which can lead to costly investment mistakes. The M3 Asset Allocation Portfolios consists of The Riskalyze / Morningstar asset allocation models: Model portfolios are constructed to reflect the clients identified risk tolerance. • Conservative • Moderate Conservative • Moderate • Moderate Aggressive • Aggressive The offering of customized models allow for the selection of the proper risk tolerance for each client or account. M3 derives its performance through the act of attempting to control risk, unlike most managers who attempt to gain an advantage by assuming risk. Each portfolio is designed to control risk, regardless of the risk tolerance of the investor, utilizing the following metrics to accomplish this goal: Individual stock diversification • Precision asset allocation • Elimination of emotion • • Rebalancing • Value screening • Active/passive diversification Each of the asset allocation models utilizes Core Equity Holdings of ETF and Stocks as its active management component. Core Equity relies on six independent strategies in the form of defined asset portfolios to select approximately 160 underlying stocks that comprise the active portion of each of the portfolios. ETFs are then utilized to round out the asset classes to adhere to our asset allocation models. Rebalancing occurs every six months, serving the dual purpose of refreshing the active management portion of the portfolio and realigning the portfolio with our asset allocation strategy. Both purposes also attempt to control risk. M3 works with investment product sponsors and the M3 portfolios incorporate the following independent partners into their investment process: Index IQ • Fidelity Institutional Wealth / Bond Trading Desk • Blackrock/iShares • State Street Global Advisors • PowerShares • Vanguard • RevenueShares • • Deutsche Bank 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. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 5 -  Use of Independent Managers - M3 Advisory will recommend that Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). Financial Planning and Consulting Services M3 will typically provide a variety of financial planning services to Clients, either as a component of investment management services or pursuant to a written financial planning or consulting agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including, but not limited to investment planning, retirement planning, estate planning, personal savings, education savings, insurance needs and other areas of a Client’s financial situation. A financial plan developed for or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client begin or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. M3 may also refer Clients to an accountant, attorney or other specialist, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. Retirement Plan Advisory Services M3 provides advisory services to retirement plans (each a “Plan”) and the company sponsor (the “Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: • Vendor Analysis • Plan Participant Enrollment and Education Tracking • Investment Oversight Services (ERISA 3(21)) • Ongoing Investment Recommendation and Assistance Certain of these services are provided by M3 serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of M3’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging M3 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 – M3, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 6 -  • Asset Allocation – M3 will use the Riskalyze Platform to develop a strategic asset allocation targeted to meet the investment objectives, time horizon, financial situation and tolerance for risk for each Client. These strategic asset allocation weightings will also be monitored by the Advisor as part of its investment management process. • Portfolio Construction – M3 will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. • Investment Management and Supervision – M3 will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs M3 does not place Client assets into a wrap fee program. Investment management services are provided directly by M3. E. Assets Under Management As of December 31, 2024, M3 manages approximately $310,000,000 in Client assets, $280,000,000 of which are managed on a discretionary basis and $30,000,000 of which are managed on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor. Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Advisor. Each Client shall sign one or more advisory agreements that detail the responsibilities of M3 and the Client. A. Fees for Advisory Services Investment Management Services Investment advisory fees are paid monthly (the “billing period”) at the end of each billing period, pursuant to the terms of the investment advisory agreement. Investment advisory fees are based on the market value of assets under management at the end of each billing period. Fixed Investment advisory fees range from 0.50% to 2.00%, depending on the size and complexity of the Client relationship. Relationships with multiple goals and objectives and other complexities may be charged a higher fee. The Advisor may also charge its annual investment advisory fee according to the tiered fee schedule below: Assets Under Management ($) $0 to $4,999,999 $5,000,000 to $9,999,999 $10,000,000 and above Annual Rate (%) 0.65% 0.35% 0.25% Investment advisory fees in the first billing period of service are prorated to the inception date of the account[s] to the end of the first billing period. Fees may be negotiable at the sole discretion of the Advisor. Certain legacy Clients may have fees that are charged in advance or based on a different fee methodology. The Client’s fees will take into consideration the aggregate assets under management with Advisor. All securities held in accounts managed by M3 will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor shall not receive any portion of these commissions, fees, and costs. 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 total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 7 -  Financial Planning and Consulting Services M3 occasionally offers financial planning or consulting services on an hourly basis at a rate ranging from $150 to $350 per hour, based on a fixed fee per engagement. Fees may be negotiable based on the nature and complexity of the services to be provided, the overall relationship with the Advisor, and the experience and billing rate of the individual providing services. An estimate for total hours and costs will be determined prior to engaging for these services. M3 also offers ongoing financial planning services for a fixed fee which can be charged monthly or quarterly in arrears or as an annual fee ranging from $5,000 to $72,000 per year. Retirement Plan Advisory Services Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00%. Fees may be negotiable depending on the size and complexity of the Plan. B. Fee Billing Investment Management Services Investment advisory fees will be calculated by the Advisor 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 each billing period. The amount due is calculated by applying the monthly or quarterly rate to the total assets under management with M3 at the end of the billing period. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the investment advisory fees. It is the responsibility of the Client to verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted by M3 directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. Financial Planning and Consulting Services Financial planning fees are invoiced by the Advisor and are due upon completion of the agreed upon deliverable[s]. Ongoing financial planning fees are invoiced monthly or quarterly in arrears. Retirement Plan Advisory Services Fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. Use of Independent Managers For Client accounts implemented through an Independent Manager, the Advisor and the Independent Manager will each assume the responsibility for calculating and deducting their respective fees from the Client’s account[s] C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties, other than M3, in connection with investment made on behalf of the Client’s account[s]. The Client is responsible for all custody and securities execution fees charged by the Custodian. 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 investment advisory fee charged by M3 is separate and distinct from these custody and execution fees. In addition, all fees paid to M3 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 M3, but would not receive the services provided by M3 which are designed, among other things, to assist the Client in determining which products or services are most appropriate to 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 M3 to fully understand the total fees to be paid. Please see Item 12 – Brokerage Practices. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 8 -  D. Advance Payment of Fees and Termination Investment Management Services M3 is generally compensated for its investment management services after the billing period 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 fees, if applicable. The Client’s investment advisory agreement with the Advisor is non-transferable without the Client’s prior consent. Financial Planning and Consulting Services M3 is compensated for its financial planning and consulting services upon completion of the engagement deliverables. Either party may terminate the financial planning or consulting 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 responsible for actual hours logged on the planning project times the agreed upon hourly rate. In the case of a fixed fee engagement the percentage of the fee is based on the percentage completion of the engagement. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. Use of Independent Managers In the event that the Advisor has determined that an Independent Manager is no longer in the Client’s best interest, the Advisor will have the discretion to terminate the relationship with the Independent Manager. The terms for termination are set forth in the respective agreements between the Advisor and the Independent Managers. Retirement Plan Advisory Services M3 is compensated for its services at the end of the billing period in which retirement plan advisory services are rendered. Either party may terminate the retirement plan advisory agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the retirement plan advisory agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. The Client’s retirement plan services agreement with the Advisor is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities M3 does not buy or sell securities for the receipt of commissions. The Advisor does not receive any compensation for securities transactions in any Client account, other than the investment advisory fees noted above. Advisory Persons are licensed as independent insurance professionals. As an independent insurance professional, an Advisory Person will earn commission-based compensation for selling insurance products, including insurance products they sell to Clients. Insurance commissions earned by an Advisory Person are separate and in addition to M3's advisory fees. This practice presents a conflict of interest because a person providing investment advice on behalf of the Advisor who is also an insurance agent has an incentive to recommend insurance products to Clients for the purpose of generating commissions rather than solely based on Client needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through an Advisory Person. Item 6 – Performance-Based Fees M3 does not charge performance-based fees for its investment advisory services. The fees charged by M3 are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 9 -  M3 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 for its Clients. Item 7 – Types of Clients M3 offers investment advisory services to individuals, high net worth individuals, trusts, estates, retirement plans, charitable organizations, and corporations. M3 generally does not impose a minimum size for establishing a relationship. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis M3 is focused on managing risk and generating returns through disciplined and whenever possible the removal of human bias from the decision-making process. M3 may also employ fundamental and technical analysis methods in developing investment strategies for its Clients. Research and analysis from M3 are derived from numerous sources, including Morningstar, Fidelity, Vanguard, financial media companies, third-party research materials, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others. M3 also obtains information from regulatory reports and other sources as appropriate. The Advisor also utilizes information obtained from regulatory releases, the Internet, information provided at conferences and other information obtained from regulatory sources. As noted above, M3 generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. M3 will typically hold all or a portion of a security for more than a year, but for adjustments made for purposes of rebalancing the portfolio. At times, M3 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. M3 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. 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. M3 generally employs investment strategies that do not involve any significant or unusual risk other than domestic equity and international market risks. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. Following are some of the risks associated with the Advisor’s investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks The performance of 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 M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 10 -  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. There is also a risk that Authorized Participants are unable to fulfill their responsibilities. Authorized Participants are one of the major parties involved with ETF creation/redemption mechanism in the markets. The Authorized Participants play a critical role in the liquidity of ETFs and essentially have the exclusive right to change the supply of ETF shares in the market. If the Authorized Participants does not fulfill this expected role, there could be an adverse impact on liquidity and the valuation of an ETF. 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. Independent Manager Risks The Advisor may select certain Independent Managers to manage a portion of the Client’s portfolio. The Advisor will conduct due diligence, monitor the performance and adherence to the investment mandates and objectives on the selected Independent Managers. However, the Advisor will not have an active role in the day-to-day management of this portion of the Client’s portfolio. A failure by an Independent Managers to achieve its investment objectives could result in a negative impact on the Client’s overall investment portfolio. 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. For more information on our investment advisory services, please contact us at (781) 371-2670. Item 9 – Disciplinary Information There are no legal, regulatory or disciplinary events involving M3 or its management persons. M3 values the trust you place in the Advisor. The Advisor encourages Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisory Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov and can be found by searching with the Advisor’s firm name or CRD# 156208. Item 10 – Other Financial Activities and Affiliations Insurance Agency Affiliations As noted in Item 5, Advisory Persons are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from an Advisory Person's role with the Advisor. As an insurance professional, an Advisory Person will receive customary commissions and other related revenues from the various insurance companies whose products are sold. An 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 practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by an Advisory Person or the Advisor. Use of Independent Managers As noted in Item 4, the Advisor may implement all or a portion of a Client’s investment portfolio with one or more Independent Managers. The Advisor does not receive any compensation nor does this present a material conflict of interest. The Advisor will only earn its investment advisory fee as described in Item 5.A. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 11 -  Item 11 – Code of Ethics, Participation in Client Transactions and Personal Trading A. Code of Ethics M3 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 M3 (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. M3 and its Supervised Persons owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of M3’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 may address employee ethics and conflicts of interest. To request a copy of the Code, please contact the Advisor at (781) 371-2670. B. Personal Trading with Material Interest M3 allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. M3 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. M3 does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients M3 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, the Advisor must be disclosed to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted a Code of Ethics, which addresses insider trading (material non-public information controls) and personal securities reporting procedures. When trading for personal accounts, Supervised Persons of M3 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 M3 requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”). 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 M3 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 after Client orders have been placed and filled. At no time, will M3 or any Supervised Person of M3, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] M3 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 M3 to direct trades to the Custodian as agreed upon in the investment advisory agreement. Further, M3 does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade- by-trade basis. Where M3 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 M3. However, the Advisor may be limited in the services it can provide if the recommended Custodian is not engaged. M3 may 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, its reputation, and/or the location of the Custodian’s offices. M3 will generally recommend that Clients establish their account[s] at Fidelity Clearing & Custody Solutions and related entities of Fidelity Investments, Inc. (collectively “Fidelity”), FINRA-registered broker-dealer and member SIPC. Fidelity will serve as the Client’s “qualified custodians”. M3 maintains an M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 12 -  institutional relationship with Fidelity, whereby the Advisor receives economic benefits from Schwab and Fidelity. Please see Item 14 below. The 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. M3 does not participate in soft dollar programs sponsored or offered by any broker-dealer/custodian. However, M3 does receive certain economic benefits from Fidelity as detailed in Item 14. 2. Brokerage Referrals - M3 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 M3 will place trades within the established account[s] at the Custodian designated by the Client. Further all Client accounts are traded within their respective account[s] at the Custodian. 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]). M3 will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality and 5) skill required of the Custodian. M3 will execute its transactions through the Custodian as directed by the Client. M3 generally trades the Client’s account[s] individually. M3 may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts. 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 particular Client accounts. Prior to entry of a block trade, a written pre-allocation will be generated which identifies the group of Client accounts participating in the order. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Mr. Jeffries, Managing Director of the Advisor. Formal Client reviews are conducted at least annually or more frequently at the Client’s request. 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 M3 if changes occur in his/her personal financial situation that might adversely affect his/her 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]. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 13 -  Item 14 – Client Referrals and Other Compensation A. Compensation Received by M3 M3 may refer Clients to various third parties to provide certain financial services necessary to meet the goals of its Clients. Likewise, M3 may receive referrals of new Clients from a third-party. Participation in Institutional Advisor Platform The Advisor has established an institutional relationship with Fidelity to assist the Advisor in managing Client account[s]. Access to the Fidelity Institutional platform is provided at no charge to the Advisor. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Fidelity. The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a conflict of interest since these benefits may influence the Advisor’s recommendation of this custodian over one that does not furnish similar software, systems support, or services. Additionally, the Advisor may receive the following benefits from Fidelity: receipt of duplicate Client confirmations and bundled duplicate statements; access to a trading desk that exclusively services its institutional participants; access to block trading which provides the ability to aggregate securities transactions and then allocate the appropriate shares to Client accounts; and access to an electronic communication network for Client order entry and account information. B. Client Referrals from Promoters The Advisor does not compensate, either directly or indirectly, any affiliated or unaffiliated parties (“Promoters”) for Client referrals. Item 15 – Custody M3 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 M3 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 M3 to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by M3 to ensure accuracy, as the Custodian does not perform this review. Money Movement Authorization - For instances where Clients authorize M3 to move funds between their accounts, M3 and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion M3 generally has discretion over the selection and number 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 M3. 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 M3 will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities M3 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. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 14 -  Item 18 – Financial Information Neither M3, nor its management have any adverse financial situations that would reasonably impair the ability of M3 to meet all obligations to its Clients. Neither M3, nor any of its Advisory Persons, have been subject to a bankruptcy or financial compromise. M3 is not required to deliver a balance sheet along with this Disclosure Brochure as the firm does not collect fees of $1,200 or more for services to be performed six months or more in advance. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 15 -  Form ADV Part 2B – Brochure Supplement for John D. Jeffries, CLU® Founder, Managing Director Effective: October 27, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of John D. Jeffries, CLU® (CRD# 1332202) in addition to the information contained in the M3 Advisory Group, LLC (“M3” or the “Advisor” CRD #156208) Disclosure Brochure. If you have not received a copy of this Brochure Supplement or if you have any questions about the content of this Brochure Supplement or M3’s Disclosure Brochure, please contact the Advisor at (781) 371-2670. Additional information about John D. Jeffries 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# 1332202. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 16 -  Item 2 – Educational Background and Business Experience Mr. Jeffries, born in 1961, serves as a Founder and Managing Director of M3. John has been serving Clients with investment and insurance needs for over 26 years. Prior to establishing the registered investment advisory practice, John served as a Financial Advisor with LPL Financial. John earned an MBA from Boston College - Wallace E. Carroll Graduate School of Management. John is a graduate of University of Massachusetts Amherst with a BA in Economics and Political Science. John has also earned the Chartered Life Underwriter (“CLU”) designation from the American College in Bryn Mawr, PA. Mr. Jeffries holds the Series 6,7,63,65 and is a General Securities Principal. Mr. Jeffries is an elected official in the town of Dover Massachusetts, he currently serves as Chairman of the Board of Selectman. Mr. Jeffries servers on the Board of Directors of Armstrong Ambulance in Arlington MA, a 76-year-old private company. Mr. Jeffries was co-founder, and Director of the following companies and organizations: U.S. Seafood Corp, Plymouth Street Partners, Selective Technology Sales, and the Wellesley Community Center. He served two terms as a Member of the Finance and Budget Committee in the Town of Wellesley, Massachusetts. 02/2011 to Present 05/2015 to 12/2016 09/2012 to 06/2014 07/2011 to 08/2012 03/2011 to 07/2011 12/2006 to 03/2011 Past Securities Registration and Employment History: Founder, Managing Director, M3 Advisory Group, LLC Registered Representative, Fusion Analytics Securities LLC Registered Representative, Hebert J. Sims & Co., Inc. Registered Representative, Mutual Securities Corp. Registered Representative, Purshe Kaplan Sterling Investments Registered Representative and Investment Advisor Representative, Linsco Private Ledger M3 Equity Advisors, LLC 02/2003 to 12/2006 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 on 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 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 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Jeffries. Mr. Jeffries 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. Jeffries. 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. Jeffries. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 17 -  However, the Advisor does encourage you to independently view the background of Mr. Jeffries on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1332202. Item 4 – Other Business Activities Insurance Affiliations Mr. Jeffries is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from his role with M3. As an insurance professional, Mr. Jeffries will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Jeffries is not obligated 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. Jeffries or the Advisor. Town of Dover Mr. Jeffries also serves as a Selectman for the Town of Dover, MA. Mr. Jeffries spends less than 10% of his time in this capacity. He is not compensated. Item 5 – Additional Compensation Mr. Jeffries has additional business activities where compensation is received. These business activities are detailed in Item 4 above. Item 6 – Supervision Mr. Jeffries serves as Founder and Managing Director of M3 Advisory and is supervised by Nicholas Jeffries, the Chief Compliance Officer. Mr. Jeffries can be reached at (781) 371-2670. M3 Advisory has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of M3 Advisory. Further, M3 Advisory is subject to regulatory oversight by various agencies. These agencies require registration by M3 Advisory and its Supervised Persons. As a registered entity, M3 Advisory is subject to examinations by regulators, which may be announced or unannounced. M3 Advisory 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. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 18 -  Form ADV Part 2B – Brochure Supplement for Mark W. Scionti Managing Director Effective: October 27, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Mark W. Scionti (CRD# 1425426) in addition to the information contained in the M3 Advisory Group, LLC (“M3 Advisory” or the “Advisor”, CRD# 156208) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the M3 Advisory Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (781) 371-2670. Additional information about Mr. Scionti 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# 1425426. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 19 -  Item 2 – Educational Background and Business Experience Mark W. Scionti, born in 1962, is dedicated to advising Clients of M3 Advisory as a Managing Director. Mr. Scionti earned a MA in Economics from Boston University in 1987. Mr. Scionti also earned a BS in Economics from Boston University in 1985. Additional information regarding Mr. Scionti’s employment history is included below. Employment History: M3 Advisory Group, LLC dba M3 Family Office LLC, Investment Advisor Representative 02/2020 to Present Investment Advisor Representative, Integrated Wealth Concepts LLC 09/2018 - 03/2020 M3 Advisory Group, LLC Investment Advisor Representative - - Managing Director Managing Director M3 Capital Advisors, LLC 02/2015 - 11/2018 02/2011 - 02/2015 07/2002 - 01/2016 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Scionti. Mr. Scionti 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. Scionti. 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. Scionti. However, the Advisor does encourage you to independently view the background of Mr. Scionti on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1425426. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Scionti is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Scionti’s role with M3 Advisory. As an insurance professional, Mr. Scionti will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Scionti 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. Scionti or the Advisor. Mr. Scionti spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Scionti has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Scionti serves as a Managing Director of M3 Advisory and is supervised by Nicholas Jeffries, the Chief Compliance Officer. Mr. Jeffries can be reached at (781) 371-2670. M3 Advisory has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of M3 Advisory. Further, M3 Advisory is subject to regulatory oversight by various agencies. These agencies require registration by M3 Advisory and its Supervised Persons. As a registered entity, M3 Advisory is subject to examinations by regulators, which may be announced M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 20 -  or unannounced. M3 Advisory 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. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 21 -  Privacy Policy Effective: October 27, 2025 Our Commitment to You M3 Advisory Group, LLC (“M3” or the “Advisor”) is committed to safeguarding the use of your personal information that we have as your Investment Advisor. M3 (also referred to as "we", "our" and "us" throughout this notice) 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. 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. M3 does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and proper 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 Privacy Policy. Why you need to know? Registered investment advisors (“RIAs”) share some of your personal information. Federal and State laws give you the right to limit some of this sharing. Federal and State laws require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? 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 sources do we collect information from in addition to you? Custody, brokerage and advisory agreements Account applications and forms Other advisory agreements and legal documents Transactional information with us or others Investment questionnaires and suitability documents Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use, we maintain physical, procedural and electronic safeguards. These include computer safeguards such as passwords, as well as secured files and buildings. Our employees are advised about M3's need to respect the confidentiality of each client’s non-public personal information. We train our employees on their responsibilities. We require third parties that assist in providing our services to you to protect the personal information they receive. This includes contractual language in our third-party agreements. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 22 -  How we share your information? RIAs do need to share personal information regarding its clients to effectively implement the RIA’s services. In the section below, we list some reasons we may share your personal information. Sharing Limitations M3 may share this information. Clients cannot limit the Advisor’s ability to share. M3 may share this information. Clients cannot limit the Advisor’s ability to share. M3 does not share personal information. Clients cannot limit the Advisor’s ability to share. M3 does share personal information. Clients can limit the Advisor’s ability to share. Basis For Sharing Servicing our Clients We may share non-public personal information with non-affiliated third parties (such as brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. Administrators We may disclose your non-public personal information to companies we hire to help administer our business. Companies that we hire to provide services of this nature are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality. We limit their use of your personal information to the performance of the specific service we have requested. Marketing Purposes M3 does not disclose, and does not intend to disclose, personal information with non-afffiliated 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 M3 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 In addition, your non-public personal information may also be disclosed to you and persons that we believe to be your authorized agent or representative. Clients can limit the Advisor’s ability to share. Information About Former Clients M3 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. M3 does not share personal information regarding former clients State-specific Regulations Massachusetts In response to a Massachusetts law, clients must “opt-in” to share non-public personal information with non-affiliated third parties before any personal information is disclosed. We may disclose non-public personal information to other financial institutions with whom we have joint business arrangements for proper business purposes in connection with the management or servicing of your account. Changes to our Privacy Policy We will send you a notice of our Privacy Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise our Privacy 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 (781) 371-2670. M3 Advisory Group, LLC 60 Kendrick Street, Suite 203, Needham Heights, MA 02494 Phone: (781) 371-2670 * Fax: (781) 371-2690 www.m3ag.com - 23 -