Meyer Gates Financial Advisors, Inc.

Firm Brochure (Part 2A of Form ADV) MEYER GATES FINANCIAL ADVISORS, INC. 9078 Union Centre Blvd., Suite 350 West Chester, OH 45069 ph: 937-220-4915 www.meyergates.com joe@meyergates.com This brochure supplement provides information about the qualifications and business practices of Meyer Gates Financial Advisors, Inc. (“Meyer Gates”). If you have any questions about the contents of this brochure, please contact us at: 937-220-4915, or by email at: joe@meyergates.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission, or by any state securities authority. Additional information about Meyer Gates is available on the SEC’s website at www.adviserinfo.sec.gov March 31, 2026 Meyer Gates Financial Advisors, Inc.  Item 1: Annual Updates A. Annual Update The Material Changes section of this brochure will be updated annually when material changes occur since the previous release of the Firm Brochure. Last Annual Update: 03/31/2026 B. Full Brochure Available Whenever you would like to receive a complete copy of our Firm Brochure, please contact us: • by telephone at: 937-220-4915 • or by email at: joe@meyergates.com Item 2: Material Changes A. Material Changes since the Last Update No material changes since our last update. i Meyer Gates Financial Advisors, Inc.  Item 3: Table of Contents Item 1: Annual Updates ................................................................................................. i A. B. Annual Update ............................................................................................. i Full Brochure Available ................................................................................ i Item 2: Material Changes .............................................................................................. i A. Material Changes since the Last Update ..................................................... i Item 3: Table of Contents ............................................................................................ 1 Item 4: Advisory Business .......................................................................................... 1 A. B. C. D. E. F. G. Description of the Advisory Firm ................................................................. 1 Types of Advisory Services ......................................................................... 1 Tailored Relationships ................................................................................. 1 Types of Agreements .................................................................................. 2 1. Financial Planning Agreement ............................................................... 2 2. Asset Management ................................................................................ 2 3. Retainer Agreement ............................................................................... 3 4. Termination of Agreement ...................................................................... 3 Wrap Fee Programs .................................................................................... 4 Amounts Under Management ..................................................................... 4 Educational Seminars……………………………………………………………4 Item 5: Fees and Compensation ................................................................................. 4 A. B. C. D. Description .................................................................................................. 4 Fee Billing ................................................................................................... 5 Clients Are Responsible for Third Party Fees ............................................. 5 Outside Compensation For the Sale of Securities to Clients ....................... 5 Item 6: Performance-Based Fees ................................................................................ 6 A. Sharing of Capital Gains ............................................................................. 6 Item 7: Types of Clients ............................................................................................... 6 A. B. Description .................................................................................................. 6 Account Minimums ...................................................................................... 6 TOC 1 Meyer Gates Financial Advisors, Inc.  Item 8: Methods of Analysis, Investment Strategies and Risk of Loss ................... 6 A. B. C. D. Methods of Analysis .................................................................................... 6 Investment Strategies ................................................................................. 7 Risk of Loss................................................................................................. 7 Risks of Specific Securities Utilized ............................................................ 7 Item 9: Disciplinary Information .................................................................................. 7 A. Legal and Disciplinary ................................................................................. 7 Item 10: Other Financial Industry Activities and Affiliations .................................... 7 A. B. Other Financial Industry Activities ............................................................... 7 Affiliations .................................................................................................... 8 Item 11: Code of Ethics, Client Transactions and Personal Trading ....................... 8 A. B. C. Code of Ethics ............................................................................................. 8 Investing Personal Money in the Same Securities as Clients ..................... 8 Recommendations Involving Material Financial Interests ........................... 8 Item 12: Brokerage Practices ...................................................................................... 8 A. B. C. Factors Used to Select Custodians and/or Broker/Dealers ......................... 8 Best Execution ............................................................................................ 9 Order Aggregation ....................................................................................... 9 Item 13: Review of Accounts ....................................................................................... 9 A. B. C. Frequency and Nature of Periodic Reviews and Who Makes those Reviews 9 Factors That Will Trigger a Non-Periodic Review of Client Accounts .......... 9 Content and Frequency of Regular Reports Provided to Clients ................. 9 Item 14: Client Referrals and Other Compensation ................................................. 10 Economic Benefits Provided by Third Parties for Advice Rendered to A. Clients (Includes Sales Awards or Other Prizes) ..................................................... 10 Compensation to Non-Advisory Personnel for Client Referrals ................. 10 B. Item 15: Custody ........................................................................................................ 10 A. Qualified Custodians ................................................................................. 10 Item 16: Investment Discretion ................................................................................. 10 A. Discretionary Authority for Trading ............................................................ 10 Item 17: Voting Client Securities............................................................................... 11 A. Proxy Votes ............................................................................................... 11 TOC 2 Meyer Gates Financial Advisors, Inc.  Item 18: Financial Information .................................................................................. 11 Balance Sheet ........................................................................................... 11 Financial Conditions Reasonably Likely to Impair Ability to Meet A. B. Contractual Commitments to Clients ........................................................................ 11 Bankruptcy Petitions in Previous Ten Years ............................................. 11 C. Item 19: Requirements for SEC Registered Advisors ............................................. 11 Principal Executive Officers and Management Persons; Their Formal How Performance-Based Fees Are Calculated and Degree of Risk to Material Disciplinary Disclosures for Management Persons of this Firm ... 12 Material Relationships that Management Persons have with Issuers of A. Education and Business Background ...................................................................... 11 B. Other Businesses in Which This Advisory Firm or its Personnel are Engaged and Time Spent on Those (If Any) ............................................................ 11 C. Clients 12 D. E. Securities (If Any) ..................................................................................................... 12 TOC 3 Meyer Gates Financial Advisors, Inc.  Item 4: Advisory Business A. Description of the Advisory Firm SS+D Financial, Inc. (“SS+D Financial”) was founded in 2002 as a limited liability company. On March 1, 2012 SS+D Financial changed its legal status to a corporation. On September 22, 2021, Douglas Meyer & Joseph Gates purchased SS+D Financial. In 2022, we changed the name to Meyer Gates Financial Advisors, Inc. (“Meyer Gates”). B. Types of Advisory Services Meyer Gates offers the following services to advisory clients: Investment Supervisory Services Meyer Gates offers ongoing asset management services based on the individual goals, objectives, time horizon and risk tolerance of each client. Clients engage in a discussion with Meyer Gates advisor representatives using research and portfolio construction tools. The dialogue balances objective expectations of portfolio return with the clients' investment goals. In collaboration with clients, Meyer Gates creates an Investment Policy Statement which outlines the client's current situation, states the investment goals of the portfolio and constructs a plan to aid in the selection of investments that fits each client's specific situation. Investment Supervisory Services include, but are not limited to: Investment strategy • Asset selection • Regular portfolio monitoring • • Asset allocation • Risk tolerance • Personal investment policy Financial Planning Services On more than an occasional basis, Meyer Gates furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, life insurance, long-term care insurance, college planning, estate planning and budgeting. Charges for these services will be based on a fixed fee that will be documented as an Exhibit to the Advisory Contract. Insurance Planning Services Meyer Gates helps clients analyze and plan for insurance needs, however we do not sell any insurance products. C. Tailored Relationships The goals and objectives for each client are documented in our client relationship management system. Specific client goals, risk tolerance, and - 1 - Meyer Gates Financial Advisors, Inc.  investment return needs are included in that client's Investment Policy Statement and/or their financial plan. Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values or beliefs. D. Types of Agreements The following agreements define the typical client relationships: 1. Financial Planning Agreement A financial plan is designed to help the client with all aspects of financial planning without ongoing investment management after the financial plan is completed. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Asset allocation and investment recommendations are provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. The fee for a financial plan is predicated upon the facts known at the start of the engagement. Fees range from $50 to $5,000 and are negotiable. Since financial planning is a discovery process, situations occur wherein the client is unaware of certain financial exposures or predicaments. After delivery of a financial plan, future face-to-face meetings may be scheduled as necessary. 2. Asset Management Most clients choose to have Meyer Gates manage their assets in order to obtain ongoing in-depth advice and life planning. All aspects of the client’s financial affairs are reviewed, including those of their children. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for an Advisory Service Agreement is provided to the client in writing prior to the start of the relationship. An Advisory Service Agreement includes: cash flow management; insurance review; investment management (including performance reporting); education - 2 - Meyer Gates Financial Advisors, Inc.  planning; retirement planning; and estate planning; as well as the implementation of recommendations within each area. Although the Advisory Service Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at the client’s discretion. The client or Meyer Gates may terminate an Agreement by written notice to the other party. At termination, fees will be billed/refunded on a pro rata basis for the portion of the quarter completed. The portfolio value at the completion of the prior full billing quarter is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. Assets are invested primarily in no-load mutual funds and exchange- traded funds, through an institutional broker. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Brokers may charge a transaction fee for the purchase and sale of some funds. Stocks and bonds will also be purchased or sold through a brokerage account. The brokerage firm charges a fee for stock and bond trades. Meyer Gates does not receive any compensation, in any form, from fund companies. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities, U. S. government securities, options contracts, and interests in partnerships. Initial public offerings (IPOs) are not available through Meyer Gates. 3. Retainer Agreement In some circumstances, a Retainer Agreement is executed in lieu of an Advisory Service Agreement when it is more appropriate to work on a fixed-fee basis. The annual fee for a Retainer Agreement is negotiable. Meyer Gates also provides hourly planning services for clients who need advice on a limited scope of work 4. Termination of Agreement A client may terminate any of the aforementioned agreements at any time by notifying Meyer Gates in writing and paying the rate for the time spent on the investment advisory engagement prior to notification of termination. If the client made an advance payment, Meyer Gates will refund any unearned portion of the advance payment. Meyer Gates may terminate any of the aforementioned agreements at any time by notifying the client in writing. If the client made an advance payment, Meyer Gates will refund any unearned portion of the advance payment. - 3 - Meyer Gates Financial Advisors, Inc.  E. Wrap Fee Programs Meyer Gates does not participate in any wrap fee programs. F. Amounts Under Management As of March 30, 2026, Meyer Gates manages approximately $168,660,000 in assets for approximately 177 clients. All the assets are managed on a discretionary basis. G. Educational Seminars Most years, Meyer Gates will host a retirement planning seminar. Mailers are sent to prospective attendees and these seminars are typically hosted at local universities. The goal of the seminar is to educate on the broad topics of retirement planning (Saving, Investing, Social Security, Medicare, Insurance, ext.). Item 5: Fees and Compensation A. Description Asset Management Meyer Gates bases its asset management fees on a percentage of the investable assets according to the following schedules: 1) Clients with less than $500,000 of assets under management, the annual charge is 1.25%, or 2) Clients with $500,000 or more of assets under management, the following fee schedule applies: - $500,001 to $1,000,000 – 1.00% per year on all amounts under $1,000,000. - $1,000,001 to $2,000,000 – 0.75% per year on amounts above $1,000,000; and - Above $2,000,000 – 0.50% per year on amounts above $2,000,000. Current client relationships may exist where the fees are higher or lower than the fee schedule above. Meyer Gates, in its sole discretion, may charge a lesser fee based upon certain criteria (e.g., historical relationship, type of assets, anticipated future earning capacity, anticipated future additional assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with clients, etc.). - 4 - Meyer Gates Financial Advisors, Inc.  Financial Planning Financial plans are priced according to the degree of complexity associated with the client’s situation. Average costs range from $2,000 to $5,000, but is included at no cost for clients’ Meyer Gates manages investments. Retainer Agreements Retainer Agreements may be priced based on the complexity of work, especially when asset management is not the most significant part of the relationship. The hourly rate for limited scope engagements is $375.00. All fees are negotiable. Compensation for the Sale of Insurance Products Meyer Gates does not sell insurance products or compensate their representatives for advice directly relating to insurance recommendations. B. Fee Billing Asset management fees are billed quarterly, in advance, based on the value of the accounts under management. The fee covers only those portfolio assets described and domiciled with a custodian brokerage agreement granting the advisor trading authority. In most cases, fees are withdrawn directly from clients' accounts with clients' written authorization. Meyer Gates collects fees in advance, meaning that Meyer Gates takes fees based on the beginning account balance before the quarterly billing period has begun. If an account is closed prior to the end of a billing period, fees collected in advance will be refunded based on the prorated number of days worked and the total days during the billing period. If an account is opened or funded after the beginning of a billing period, clients are charged in arrears based on the prorated number of days worked and the total days during the billing period. Fees for financial plans and retainer arrangements are billed upon delivery of the financial plan or completion of the designated work. C. Clients Are Responsible for Third Party Fees Custodians may charge transaction fees on purchases or sales of stocks, certain mutual funds and exchange-traded funds. Mutual funds generally charge a management fee for their services as investment managers. These fees are separate and distinct from the fees charged by Meyer Gates. Clients are responsible for the payment of all such third-party fees. D. Outside Compensation for the Sale of Securities to Clients Neither Meyer Gates nor its supervised persons accept any compensation for the sale of securities or other investment products, including asset-based sales charges or services fees from the sale of mutual funds. - 5 - Meyer Gates Financial Advisors, Inc.  Item 6: Performance-Based Fees A. Sharing of Capital Gains Fees are not based on a share of the capital gains or capital appreciation of managed securities because of the potential conflict of interest. Performance- based compensation may create an incentive for the advisor representative to recommend an investment that may carry a higher degree of risk to the client. Item 7: Types of Clients A. Description Meyer Gates generally provides investment advice to: • Individuals • Pension and profit-sharing plans • Trusts and estates • Charitable organizations • Small businesses B. Account Minimums Meyer Gates has a minimum investment requirement of $500,000. Account minimums can be adjusted for instances a client was active prior to said minimum or if the client has the potential for future deposits in excess of the minimum balance. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Meyer Gates’ analysis methods include fundamental analysis and technical analysis. Fundamental analysis involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages. Technical Analysis involves the analysis of past market data - primarily price and volume. The main sources of information include financial newspapers and magazines; inspections of corporate activities, research materials prepared by others, corporate rating services, annual reports, prospectuses, filings with the Securities and Exchange Commission, and company press releases and conference calls. - 6 - Meyer Gates Financial Advisors, Inc.  Other sources of information that Meyer Gates may use include Morningstar mutual fund information, Morningstar stock information, and the World Wide Web. B. Investment Strategies The primary investment strategy used on client accounts is strategic asset allocation utilizing a core and satellite approach. This means that Meyer Gates uses asset class mutual index and exchange-traded funds as the core investments, and then add customized investment strategies where there are greater opportunities to make a difference. Portfolios are globally diversified to control the risk associated with traditional markets. The investment strategy for a specific client is based upon the objectives stated by the client during consultations. The client may change these objectives at any time. Each client executes an Investment Policy Statement that documents the client’s objectives and desired investment strategy. C. Risk of Loss All investment programs have certain risks that are borne by the investor. Our investment approach constantly keeps the risk of loss in mind. Meyer Gates seeks strategies that do not involve significant or unusual risk beyond that of the general domestic and/or international equity markets. D. Risks of Specific Securities Utilized Margin accounts are required for some option transactions. Margin transactions and options writing generally hold greater risk. Although Meyer Gates designs option strategies to reduce traditional equity market volatility, clients should be aware that there is a chance of material risk of loss using any of those strategies. Item 9: Disciplinary Information A. Legal and Disciplinary The firm and its employees have not been involved in legal or disciplinary events related to past or present investment clients. Item 10: Other Financial Industry Activities and Affiliations A. Other Financial Industry Activities Neither Meyer Gates nor its representatives are registered as a broker/dealer or as representatives for a broker/dealer. Neither Mayer Gates nor its representatives are registered as a futures commission merchant (FCM), a commodity pool operator (CPO) or a commodity trading advisor (CTA). - 7 - Meyer Gates Financial Advisors, Inc.  B. Affiliations Meyer Gates is no longer affiliated with Sebaly, Shillito + Dyer, as the silent partners at the law firm were bought out when Douglas Meyer & Joseph Gates purchased SS+D Financial (September 2021). Item 11: Code of Ethics, Client Transactions and Personal Trading A. Code of Ethics The employees of Meyer Gates have committed to a Code of Ethics of the Certified Financial Planner Board of Standards that is available for review by clients and prospective clients upon request. The firm will provide a copy of the Code of Ethics to any client or prospective client upon request. B. Investing Personal Money in the Same Securities as Clients Meyer Gates and its employees may buy or sell securities that are also recommended to clients. Employees may not trade their own securities ahead of client trades. The Chief Compliance Officer of Meyer Gates reviews all employee trades each quarter. The personal trading reviews ensure that the personal trading of employees does not affect the markets. Since most employee trades are small mutual fund trades or exchange-traded fund trades, the trades do not affect the securities markets. C. Recommendations Involving Material Financial Interests Meyer Gates does not recommend that clients buy or sell any security in which a related person to Meyer Gates has a material financial interest. Item 12: Brokerage Practices A. Factors Used to Select Custodians and/or Broker/Dealers Meyer Gates may recommend/require that clients establish brokerage accounts with TD Ameritrade, Fidelity or Schwab Investments to maintain custody of clients' assets and to effect trades for their accounts. All three firms are FINRA registered broker-dealers, members SIPC. Although Meyer Gates may recommend/require that clients establish accounts at TD Ameritrade, Fidelity or Schwab, it is the clients’ decision to custody assets with TD Ameritrade, Fidelity or Schwab. Meyer Gates is independently owned and operated and not affiliated with TD Ameritrade, Fidelity or Schwab. These specific custodian recommendations are made to clients based on their need for such services. Meyer Gates recommends these custodians based on the proven integrity and financial responsibility of the firms and the best execution of orders at reasonable commission rates. - 8 - Meyer Gates Financial Advisors, Inc.  TD Ameritrade, Fidelity and Schwab provide Meyer Gates with access to their institutional trading and custody services, which are typically not available to retail investors. These services are generally available to independent registered investment advisors on an unsolicited basis at no charge to them so long as a minimum amount of the advisors' clients' assets are maintained in accounts with them. Meyer Gates does not receive fees or commissions from any of these arrangements. Some Financial Advisers recommend the use of broker-dealers to execute transactions and they may have other economic relationships that may create a material conflict of interest. Meyer Gates does not require clients to direct transactions through a broker dealer and does not have any economic relationship with a broker-dealer that would cause a material conflict of interest. B. Best Execution Trading fees charged by the custodians are reviewed on a quarterly basis. Meyer Gates does not receive any portion of the trading fees. C. Order Aggregation Most trades are mutual funds or exchange-traded funds where trade aggregation does not garner any client benefit. Item 13: Review of Accounts A. Frequency and Nature of Periodic Reviews and Who Makes those Reviews Account reviews are performed quarterly by advisor representatives Douglas Meyer and Joseph Gates. Account reviews are performed more frequently when market conditions dictate. Client accounts are reviewed with regards to their investment policies and risk tolerance levels. B. Factors That Will Trigger a Non-Periodic Review of Client Accounts Reviews may be triggered by material market, economic or political events, or by changes in clients' financial situations (such as retirement, termination of employment, physical move or inheritance). A client must promptly notify the advisor representatives of changes in the client’s financial situation. C. Content and Frequency of Regular Reports Provided to Clients Each client will receive a written report from Meyer Gates quarterly. The report will detail the client's account performance. Clients may also receive monthly reports from the custodian detailing the current value and cost basis of all investments. - 9 - Meyer Gates Financial Advisors, Inc.  Item 14: Client Referrals and Other Compensation A. Economic Benefits Provided by Third Parties for Advice Rendered to Clients (Includes Sales Awards or Other Prizes) Meyer Gates does not receive any economic benefit, directly or indirectly, from any third party for advice rendered to Meyer Gates clients. B. Compensation to Non-Advisory Personnel for Client Referrals Meyer Gates does directly compensate persons who are not advisory personnel for client referrals. If such a relationship exists, the client being referred to Meyer Gates must receive full disclosure of any such relationship that exists and the compensation received. Item 15: Custody A. Qualified Custodians Meyer Gates does not take custody of any client's assets, with the two following exceptions: (1) To the extent that clients authorize Meyer Gates to withdraw advisory fees directly from their accounts. (2) There are four specific relationships where an owner of Meyer Gates is a trustee of a client’s assets that are also managed by Meyer Gates. This trustee relationship exists for four clients. All assets are held at qualified custodians which means the custodians provide account statements directly to clients at their address of record at least quarterly. Clients are urged to compare the account statements received directly from their custodians to the performance report statements provided by Meyer Gates. Item 16: Investment Discretion A. Discretionary Authority for Trading Meyer Gates obtains discretionary authority in writing from all clients to manage securities accounts on their behalf. This means that Meyer Gates has the authority to determine, without obtaining specific client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold. Discretionary trading authority facilitates placing trades in clients' accounts on their behalf so that Meyer Gates may promptly implement the investment policy that clients have approved in writing. - 10 - Meyer Gates Financial Advisors, Inc.  Item 17: Voting Client Securities A. Proxy Votes Meyer Gates does not vote proxies on securities. Clients will receive proxies directly from the issuer of the security or the custodian unless the client opts not to receive them. Clients should direct all proxy questions to the issuer of the security. Item 18: Financial Information A. Balance Sheet Meyer Gates does not serve as a custodian for client funds or securities, and does not require prepayment of fees of more than $500 per client six months or more in advance. Therefore, Meyer Gates has not included a balance sheet with this brochure. B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients Neither Meyer Gates nor its management have any financial conditions that are likely to reasonably impair Meyer Gates’ ability to meet contractual commitments to clients. C. Bankruptcy Petitions in Previous Ten Years Neither Meyer Gates nor its management have been the subject of a bankruptcy petition in the last ten years. Item 19: Requirements for SEC Registered Advisors A. Principal Executive Officers and Management Persons; Their Formal Education and Business Background Meyer Gates has the following management personnel and executive officers: • Douglas Meyer, CPA, CFP® – Chief Executive Officer, Treasurer • Joseph Gates – Chief Compliance Officer, Secretary Advisor representatives' education and business backgrounds can be found on the Supplemental ADV Part 2B form. B. Other Businesses in Which This Advisory Firm or its Personnel are Engaged and Time Spent on Those (If Any) Meyer Gates advisor representatives’ other business activities can be found on the Supplemental ADV Part 2B form. - 11 - Meyer Gates Financial Advisors, Inc.  C. How Performance-Based Fees Are Calculated and Degree of Risk to Clients Meyer Gates does not accept performance-based fees or other fees based on a share of capital gains on or capital appreciation of the assets of a client. D. Material Disciplinary Disclosures for Management Persons of this Firm No management person of Meyer Gates has ever been involved in an arbitration claim of any kind or been found liable in a civil, self-regulatory organization, or administrative proceeding. E. Material Relationships that Management Persons have with Issuers of Securities (If Any) Neither Meyer Gates nor its management persons has any relationship or arrangement with issuers of securities. - 12 - Meyer Gates Financial Advisors, Inc. 

Brochure Supplement (Part 2B of Form ADV) MEYER GATES FINANCIAL ADVISORS, INC. 9078 Union Centre Blvd., Suite 350 West Chester, OH 45069 ph: 937-220-4915 www.meyergates.com joe@meyergates.com This brochure supplement provides information about Meyer Gates Financial Advisors, Inc. (“Meyer Gates”) that supplements the Meyer Gates firm brochure. You should have received a copy of that brochure. Please contact Joseph Gates of Meyer Gates if you did not receive Meyer Gates’ brochure or if you have any questions about the contents of this supplement. Additional information about Meyer Gates is available on the SEC’s website at www.adviserinfo.sec.gov March 31, 2026 Meyer Gates Financial Advisors, Inc.  Advisors A. Education and Business Standards Meyer Gates requires that advisor representatives in its employ have a bachelor's degree and further coursework demonstrating knowledge of financial planning and tax planning. Examples of acceptable coursework include: an MBA, a CFP®, a CFA, a ChFC, JD, CTFA, EA or CPA. Additionally, advisors must have work experience that demonstrates their aptitude for financial planning and investment management. B. Professional Certifications Employees have earned certifications and credentials that are required to be explained in further detail. Certified Financial Planner (CFP®): Certified Financial Planners are licensed by the CFP Board to use the CFP® mark. CFP® certification requirements: • Bachelor’s degree from an accredited college or university. • Completion of the financial planning education requirements set by the CFP Board (www.cfp.net). • Successful completion of the 10-hour CFP® Certification Exam. • Three-year qualifying full-time work experience. • Successfully pass the Candidate Fitness Standards and background check. • Have 48 months of acceptable professional work experience in the investment decision-making process. • Fulfill society requirements, which vary by society. Unless you are upgrading from affiliate membership, all societies require two sponsor statements as part of each application; these are submitted online by your sponsors. Certified Public Accountant • Bachelor’s degree and 150 semester hours from an accredited college or university • 30 semester hours in accounting areas including Auditing, Financial Accounting, Management Accounting, Professional ethics, and Taxation. • 24 semester hours in business courses other than accounting • Completion of a four-part examination (14 hours) where all four parts must be passed within an 18 month window. The four parts are as follows: - 2 - Meyer Gates Financial Advisors, Inc.  o Auditing and Attestation o Business Environment and Concepts o Financial Accounting and Reporting o Regulation • Successful completion of a professional standards and responsibilities course. • Minimum two years’ experience in public accounting. Certified Management Accountant • Bachelor’s degree from an accredited college or university • Two years of professional management accounting or financial management experience. • Completion of a two-part (8 hour) examination in Financial Planning, Reporting, Performance and Control, and Financial Decision Making. C. Douglas Meyer YOB 1986 Educational Background and Business Experience: • Wright State University, BA (2010) • CPA (2014) • Series 65 (2015) • CFP® (2017) • National Social Security Advisor Certificate Holder (2021) • Experience - Doug started with Meyer Gates (Formerly, SS+D Financial) in October of 2014. Prior to Meyer Gates, Doug prepared individual tax returns for Big Beaver Returns in Avon, Colorado (November 2013 – October 2014). Doug’s most extensive accounting and tax experience was at a small Public Accounting Firm called Brown and Campbell, CPA’s in Dayton OH, where he prepared individual and business tax returns; managed client accounts, books, and financial statements; assisted in large business sales and purchases; and managed the sales tax and payroll services department (October 2011 – November 2013). Prior to Brown and Campbell CPA’s, Doug worked at a small tax Public Accounting Firm called Delk and Rutherford, where he assisted with payroll, sales tax, and individual and business tax returns (November 2010 – May 2011). Disciplinary Information: • Doug has not been the subject of any legal or disciplinary events. - 3 - Meyer Gates Financial Advisors, Inc.  Other Business Activities: • None Additional Compensation: • None Supervision: • Doug is the Chief Executive Officer of Meyer Gates and supervises all the employees. • Doug & Joe are co-owners of Meyer Gates and supervise each other. Requirements for SEC-Registered Advisers: • Doug has not been the subject of any legal or disciplinary event. • Doug does not receive any economic benefit from anyone who is not a client of Meyer Gates for providing advisory services. • Doug has not been involved in any of the events listed below: o An award or otherwise been found liable in an arbitration claim alleging damages in excess of $2,500, involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices.. o An award or otherwise being found liable in a civil, self- regulatory organization, or administrative proceeding involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices. • Doug has not been the subject of a bankruptcy petition. D. Joseph Gates YOB 1986 Educational Background and Business Experience: • Wright State University, BA (2010) • Series 65 (2018) - 4 - Meyer Gates Financial Advisors, Inc.  • CFP® (2021) • Experience - Joe started with Meyer Gates (Formerly, SS+D Financial) in May of 2018. Joe is a co-owner of Meyer Gates, acting CCO and Secretary. Prior to Meyer Gates, Joe worked for Principal Financial Group in Blue Ash, OH, as an account executive, managing a block of business for group insurance benefits (September 2016 – May 2018). Prior to Principal Financial Group, Joe worked as an internal auditor for American Financial Group, in Cincinnati, OH (April 2012 – September 2016). Prior to Principal Financial Group, Joe worked as a junior accountant for Lerner, Sampson & Rothfuss, in Cincinnati, OH (April 2011 – February 2012). Disciplinary Information: • Joe has not been the subject of any legal or disciplinary events. Other Business Activities: • None Additional Compensation: • None Supervision: • Doug is the Chief Executive Officer of Meyer Gates and supervises all the employees. • Doug engages in weekly direct communication with all supervised persons as to all aspects of their roles with the investment advisor. In addition, Doug supervises through quarterly meetings of investment committee, quarterly directors’ meetings, and review of any client complaints. Requirements for SEC-Registered Advisers: • Joe has not been the subject of any legal or disciplinary event. • Joe does not receive any economic benefit from anyone who is not a client of Meyer Gates for providing advisory services. • Joe has not been involved in any of the events listed below: o An award or otherwise been found liable in an arbitration claim alleging damages in excess of $2,500, involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices.. - 5 - Meyer Gates Financial Advisors, Inc.  o An award or otherwise being found liable in a civil, self- regulatory organization, or administrative proceeding involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices. • Joe has not been the subject of a bankruptcy petition. E. MICHAEL P. MOLONEY (Consultant) YOB 1952 Educational Background and Business Experience: • Miami University, BA (1974) • The Ohio State University, JD (1980) • CFP® (2007) (Inactive) • Experience - Mike Moloney is a lawyer at Sebaly Shillito + Dyer, where he is a partner. Previously an Ohio State Bar Association Certified Specialist in Estate Planning, Trust & Probate Law, Mike has done extensive estate and business succession planning for individuals, families, and family businesses. Mike was the founder of SS+D Financial, and an active participant in Meyer Gates. The combination of Mike’s legal expertise and financial planning training provides clients with a unique experience in both estate planning and financial planning. Mike is a member of the Dayton Bar Association. Mike is registered in Ohio as an Investment Adviser Representative. Disciplinary Information: • Mike has not been the subject of any legal or disciplinary events. Other Business Activities: • Mike is a lawyer at Sebaly, Shillito, + Dyer where his primary focus is on Estate Planning. Additional Compensation: • Mike receives additional compensation for his services as a lawyer with Sebaly, Shillito, + Dyer. Supervision: • Doug is the Chief Executive Officer of Meyer Gates and supervises all the employees. • Doug engages in weekly direct communication with all supervised persons as to all aspects of their roles with the investment advisor. In - 6 - Meyer Gates Financial Advisors, Inc.  addition, Doug supervises through quarterly meetings of investment committee, quarterly directors’ meetings, and review of any client complaints. Requirements for SEC-Registered Advisers: • Mike has not been the subject of any legal or disciplinary event. • Mike does not receive any economic benefit from anyone who is not a client of Meyer Gates for providing advisory services. • Mike has not been involved in any of the events listed below: o An award or otherwise been found liable in an arbitration claim alleging damages in excess of $2,500, involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices. o An award or otherwise being found liable in a civil, self- regulatory organization, or administrative proceeding involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices. • Mike has not been the subject of a bankruptcy petition. F. EDWARD G. WILEY (Consultant) YOB 1951 Educational Background and Business Experience: • College of Wooster, BA (1974) • Vanderbilt University, MBA (1977). • CMA, 1981 (Inactive) • Experience - Ed has over 25 years of experience in corporate finance and investment management. Prior to joining SS+D Financial in July 2009, Ed was Vice President with BancorpSouth Investment Services, Inc. and a Managing Director with FTN Financial, where he worked with structured bank and institutional funding. Earlier, Ed managed the - 7 - Meyer Gates Financial Advisors, Inc.  corporate finance and treasury management group at FedEx where he worked with the company's bank credit relationship and corporate-wide capital financing and reporting. Ed has taught corporate finance, personal finance, and investment courses at the University of Dayton and the University of Memphis. He is registered in Ohio and Tennessee as an Investment Adviser Representative. Disciplinary Information: • Ed has not been the subject of any legal or disciplinary events. Other Business Activities: • None Additional Compensation: • None Supervision: • Doug is the Chief Executive Officer of Meyer Gates and supervises all the employees. • Doug engages in weekly direct communication with all supervised persons as to all aspects of their roles with the investment advisor. In addition, Doug supervises through quarterly meetings of investment committee, quarterly directors’ meetings, and review of any client complaints. Requirements for SEC-Registered Advisers: • Ed has not been the subject of any legal or disciplinary event. • Ed does not receive any economic benefit from anyone who is not a client of Meyer Gates Financial for providing advisory services. • Ed has not been involved in any of the events listed below: o An award or otherwise been found liable in an arbitration claim alleging damages in excess of $2,500, involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices.. o An award or otherwise being found liable in a civil, self- regulatory organization, or administrative proceeding involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; - 8 - Meyer Gates Financial Advisors, Inc.  (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices. • Ed has not been the subject of a bankruptcy petition. G. SIMON R. WADSWORTH (Consultant) YOB 1947 Educational Background and Business Experience: • Cambridge University, UK: BA (1968) • Harvard University, MBA (1973) • Experience - From 1994 through 2009, Simon worked as Chief Financial Officer and Board Member for Mid-America Apartment Communities, a Real Estate Investment Trust with multi-family investments across the U.S. Sunbelt. During his tenure, the company’s capitalization grew from $200 million to $3.5 billion. From 2010 – 2012, Simon was Special Assistant to the Chairman and Board of Mid- America Apartment Communities in Memphis TN. In 2010, Simon wrote the book Cash is King; Investing in REIT Preferreds to Generate Long- Term Income. His book describes the tools and steps investors need to take to significantly boost their portfolio’s cash flow. Since 2012, Simon has been Senior Advisor for Almanac Realty Investors, New York, NY. Simon currently provides monthly REIT Preferred investment recommendations for Meyer Gates. Simon is registered in Ohio and Tennessee as an Investment Adviser Representative. Disciplinary Information: • Simon has not been the subject of any legal or disciplinary events. Other Business Activities: • Simon is a part-time advisor for Almanac Realty Investors, a leading provider of growth capital to public and private real estate companies. Simon has limited influence on Almanac’s selection of investments and this does not create a material conflict of interest. Simon does not personally invest in or recommend to clients that they invest in public companies that Almanac is involved with or public companies that Almanac invests in. • Simon sits on the boards of Mount Auburn (MA Multifamily Holdings, LLC), and HRI Properties, LLC. Neither of these companies are public companies. Additional Compensation: • None - 9 - Meyer Gates Financial Advisors, Inc.  Supervision: • Doug is the Chief Executive Officer of Meyer Gates and supervises all the employees. • Joe specializes in our REIT PFD investments and works closely with Simon. Simon does not have access to client information and does not perform any trading. • Doug engages in weekly direct communication with all supervised persons as to all aspects of their roles with the investment advisor. In addition, Doug supervises through quarterly meetings of investment committee, quarterly directors’ meetings, and review of any client complaints. Requirements for SEC-Registered Advisers: • Simon has not been the subject of any legal or disciplinary event. • Simon does not receive any economic benefit from anyone who is not a client of Meyer Gates Financial for providing advisory services. • Simon has not been involved in any of the events listed below: o An award or otherwise been found liable in an arbitration claim alleging damages in excess of $2,500, involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices.. o An award or otherwise being found liable in a civil, self- regulatory organization, or administrative proceeding involving any of the following:  (a) an investment or an investment-related business or activity; (b) fraud, false statement(s), or omissions; (c) theft, embezzlement, or other wrongful taking of property; (d) bribery, forgery, counterfeiting, or extortion; or (e) dishonest, unfair, or unethical practices. • Simon has not been the subject of a bankruptcy petition. - 10 - Meyer Gates Financial Advisors, Inc.