MYECFO

MYeCFO, LLC d/b/a MYeCFO Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of MYeCFO, LLC. If you have any questions about the contents of this brochure, please contact us at (650) 231-4609 or by email at: advisors@myecfo.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 MYeCFO, LLC is also available on the SEC’s website at www.adviserinfo.sec.gov. MYeCFO, LLC’s CRD number is: 166919. February 28, 2026 6020 La Jolla Hermosa Avenue La Jolla, California, 92037 (650) 231-4609 advisors@myecfo.com www.myecfo.com Registration does not imply a certain level of skill or training.  Item 2: Material Changes There have not been any material changes made since our last brochure dated February 28, 2025. • I  Item 3: Table of Contents Item 1: Cover Page Item 2: Material Changes ..............................................................................................................................................................................................i Item 3: Table of Contents..............................................................................................................................................................................................ii Item 4: Advisory Business............................................................................................................................................................................................ 1 A. Description of the Advisory Firm..................................................................................................................................................................... 1 B. Types of Advisory Services ................................................................................................................................................................................ 1 C. Client Tailored Services and Client Imposed Restrictions ............................................................................................................................ 3 D. Wrap Fee Programs ............................................................................................................................................................................................ 3 E. Amounts Under Management...........................................................................................................................................................................3 Item 5: Fees and Compensation .................................................................................................................................................................................. 3 A. Fee Schedule ........................................................................................................................................................................................................ 3 B. Payment of Fees ................................................................................................................................................................................................... 4 Payment of Investment Supervisory Fees ....................................................................................................................................................... 4 Payment of Financial Planning Fees ................................................................................................................................................................ 4 C. Clients Are Responsible For Third Party Fees ................................................................................................................................................ 5. D. Prepayment of Fees............................................................................................................................................................................................. 5 E. Outside Compensation For the Sale of Securities to Clients ......................................................................................................................... 5 Item 6: Performance-Based Fees and Side-By-Side Management.......................................................................................................................... 5 Item 7: Types of Clients ................................................................................................................................................................................................ 5 Minimum Account Size ..................................................................................................................................................................................... 6 Item 8: Methods of Analysis, Investment Strategies, and Risk of Investment Loss ............................................................................................ 6 A. Methods of Analysis and Investment Strategies.................................................................................................................................... 6 B. Material Risks Involved............................................................................................................................................................................. 6 C. Risks of Specific Securities Utilized ......................................................................................................................................................... 7. Item 9: Disciplinary Information................................................................................................................................................................................. 8 A. Criminal or Civil Actions .......................................................................................................................................................................... 8 B. Administrative Proceedings ..................................................................................................................................................................... 8 C. Self-regulatory Organization (SRO) Proceedings .................................................................................................................................. 8 Item 10: Other Financial Industry Activities and Affiliations …............................................................................................................................. 8 A. Registration as a Broker/Dealer or Broker/Dealer Representative.................................................................................................... 8 B. Registration as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor................... 9 C. Registration Relationships Material to this Advisory Business and Possible Conflicts of Interests .............................................. 9 D. Selection of Other Advisers or Managers and How This Adviser is Compensated for Those Selections .................................... 9. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ...................................................................... 9 A. Code of Ethics ............................................................................................................................................................................................. 9 B. Recommendations Involving Material Financial Interests................................................................................................................... 10 C. Investing Personal Money in the Same Securities as Clients ............................................................................................................... 10. D. Trading Securities At/Around the Same Time as Clients’ Securities ................................................................................................ 10 Item 12: Brokerage Practices ...................................................................................................................................................................................... 10 A. Factors Used to Select Custodians and/or Broker/Dealers............................................................................................................... 10.  1. Research and Other Soft-Dollar Benefits.......................................................................................................................................... 10 2. Brokerage for Client Referrals............................................................................................................................................................ 10 3. Clients Directing Which Broker/Dealer/Custodian to Use.......................................................................................................... 11 B. Aggregating (Block) Trading for Multiple Client Accounts .............................................................................................................. 11 Item 13: Reviews of Accounts.................................................................................................................................................................................... 11 A. Frequency and Nature of Periodic Reviews and Who Makes Those Reviews................................................................................ 11 B. Factors That Will Trigger a Non-Periodic Review of Client Accounts............................................................................................. 11. C. Content and Frequency of Regular Reports Provided to Clients...................................................................................................... 12. Item 14: Client Referrals and Other Compensation ............................................................................................................................................... 12 A. Economic Benefits Provided by Third Parties for Advice Rendered to Clients (Includes Sales Awards or Other Prizes) ...... 12 B. Compensation to Non – Advisory Personnel for Client Referrals .................................................................................................... 12 Item 15: Custody.......................................................................................................................................................................................................... 12 Item 16: Investment Discretion.................................................................................................................................................................................. 12 Item 17: Voting Client Securities (Proxy Voting) .................................................................................................................................................... 13 Item 18: Financial Information .................................................................................................................................................................................. 13 A. Balance Sheet............................................................................................................................................................................................. 13 B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients ............................... 13 C. Bankruptcy Petitions in Previous Ten Years …..................................................................................................................................... 13 ii  Item 4: Advisory Business A. Description of the Advisory Firm MYeCFO, LLC is a Limited Liability Company organized in the state of California. The firm was formed in January of 2013, and the principal owners are Martin Raul Curiel and Michael Robert Munson. B. Types of Advisory Services MYeCFO, LLC (hereinafter “MYeCFO”) offers the following services to advisory clients: Full-Service Consulting Services The MYeCFO team provides comprehensive advisory services across the areas of investments, taxes, and wealth management. Investments: MYeCFO offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. MYeCFO creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches each client’s specific situation. Investment Supervisory Services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring MYeCFO evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. MYeCFO offers both discretionary and non-discretionary investment services: Discretionary Investment Management Clients engage MYeCFO to handle all aspects of their investment portfolio – asset allocation, security selection, execution, performance monitoring, and rebalancing. Clients give MYeCFO full authority to execute a particular investment plan according to their stated guidelines and constraints, which we can help define. We use a third-party custodian such as Charles Schwab or other financial institution that the client designates. MYeCFO does not hold client assets directly. Non-Discretionary Investment Management Clients can also hire MYeCFO for general investment consulting advice and recommendations without execution authority. We serve as a sounding board and objective third-party to help 1  the client make the most informed decision regarding investment strategy. Although the ultimate decision is made by the client, we may be asked to implement the client’s requests. TAX STRATEGY: MYeCFO works closely with our client’s tax accountants to design and implement cost saving strategies, such as: • Prepare tax documents and file tax returns on behalf of clients • Providing an additional review and opinion related to the filing of all state and federal tax Returns Maximizing investment asset location efficiency • Designing and implementing tax loss harvesting strategies • Recommending tax efficient investment vehicles and financial products • Advising on effective charitable contributions MYeCFO clients leverage our partnerships with numerous tax professionals, including CPAs and Estate Attorneys, to execute specialized services. In addition, the Principals are registered to prepare taxes in the State of California as of January 1, 2017, and may sign off on returns from time to time. WEALTH MANAGEMENT: MYeCFO helps clients execute and manage any personal finance issue that he/she faces. A client may provide MYeCFO with a list of prioritized projects, which we then help take from beginning to end. We will accomplish the project ourselves and/or leverage a vetted network of external advisors, including Bankers, Estate Attorneys, Insurance Specialists, Real estate Agents, Brokers, Education Consultants, CPAs, and Career Coaches. We don’t take commission, referral fees, or other remuneration from our partners. General Consulting Engagements From time to time and for convenience purposes, our clients might engage us for specific project such as creating a financial plan, bookkeeping, payroll, and accounting services, educational workshops, and other related projects. The fees for these engagements are separate from asset based fees. Services Limited to Specific Types of Investments MYeCFO generally provides investment advice and/or money management with respect to mutual funds, equities, bonds, fixed income, debt securities, ETFs, real estate, REITs, insurance products including annuities, and government securities. MYeCFO may use other securities as well to help diversify a portfolio when applicable. 2  C. Client Tailored Services and Client Imposed Restrictions MYeCFO offers the same suite of services to all its clients. However, specific client financial plans and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels) and is used to construct a client specific plan to aid in the selection of a portfolio that matches restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent MYeCFO from properly servicing the client account, or if the restrictions would require MYeCFO to deviate from its standard suite of services, MYeCFO reserves the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and any other administrative fees. MYeCFO does not participate in any wrap fee programs. E. Amounts Under Management MYeCFO manages approximately $263.4 Million as of 12/31/2025. Item 5: Fees and Compensation A. Fee Schedule MYeCFO standard fee structure is 1.25% of Assets Under Management (AUM) / year, payable quarterly. There is a standard minimum annual fee of $10,000, which may also be waived or negotiated. These fees are negotiable depending upon the needs of the client and complexity of the situation. Fees are paid quarterly in arrears, and clients may terminate their contracts with thirty days’ written notice. Because fees are charged in arrears, no refund policy is necessary. Clients may terminate their accounts without penalty within five business days of signing the advisory contract. Upon termination, fees will be pro-rated up to the date of termination. Advisory fees are withdrawn directly from the client’s accounts with client written authorization. Lower fees for comparable services may be available from other sources. 3  For all fees being withdrawn directly from client accounts, MYeCFO will provide a statement to the client showing the amount of the fee being deducted, the value of the client’s assets upon which this fee was based, and the specific manner in which the fee was calculated. It is the client’s responsibility to verify the accuracy of the fee calculation, as the custodian will not do so, and client should review every statement. We calculate fees quarterly using the daily market values of each account whenever the data is readily available. If the data is not available, we use to start and ending market values to determine fees. Regardless of the methodology used, we will upload a spreadsheet or other document to the client’s Box folder (or another secured storage medium) that provides details on how the fees were determined for the quarter. General Consulting Engagements Hourly Fees Standard fees for Advisors and other team members are always published here: www.myecfo.com/hourly The fees are negotiable and a depending on the scope of work, a custom contract may need to be executed (e.g. when the engagement involves non-investment advisory work). B. Payment of Fees Payment of Investment Supervisory Fees Advisory fees are withdrawn directly from the client’s accounts with the client’s written authorization. Fees are paid quarterly in arrears. Advisory fees may also be invoiced and billed directly to the client quarterly in arrears. The fees may also be automatically withdrawn for the convenience of the client. Clients may select the method in which they are billed. Payment of Financial Planning Fees Hourly and consulting engagement fees are paid via check or credit card. Payments could be made in arrears upon completion of the engagement, as a refundable retainer, a percentage of project completion, or any other arrangement agreeable to both parties. 4  C. Clients Are Responsible For Third Party Fees Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses charged by MYeCFO. Please see Item 12 of this brochure regarding broker/custodian. D. Prepayment of Fees MYeCFO collects its fees in arrears for investment supervisory fees. It may collect fees in advance for non-investment supervisory projects and work. The fees may or may not be refundable depending on the specific agreement with the client. E. Outside Compensation For the Sale of Securities to Clients Neither MYeCFO 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. Item 6: Performance-Based Fees and Side-By-Side Management MYeCFO 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. Item 7: Types of Clients MYeCFO generally provides investment advice and/or management supervisory services to the following types of clients: ❖ Individuals ❖ High-Net-Worth Individuals ❖ Businesses ❖ Non-Profits 5  Minimum Account Size We have minimum assets under management of $1 million, which may be waived under certain circumstances. Item 8: Methods of Analysis, Investment Strategies, and Risk of Investment Loss A. Methods of Analysis and Investment Strategies - The starting point of MYeCFO analysis is to determine the client’s risk profile. - The allocation of stocks, bonds, and cash is the key methodology for building a portfolio and managing risk. - Once the allocation is determined, we move to product selection. - On the stock component, we start with a global market index. With regard to the bond component, we typically look for U.S.-issued bonds. - Using macroeconomic trends and financial modeling with various proprietary tools, we determine if there are opportunities to deviate from the global index, which we consider the most passive way to invest. Deviations occur at the regional level (e.g. U.S. vs. International, International Developed vs Emerging Markets), countries, styles, sectors, and other segments of the investment teams determine. - We generally recommend Index Funds, ETFs, and other passive-type products to implement the recommendations that our clients agree to. B. Material Risks Involved - - We believe that the most important description of risk is what a “worst case” scenario might look like at the portfolio level and individual security level over various time frames. For example, a broad U.S. market index could be down 50% in a given year, while an individual security’s worst- case scenario is 100%. We look at historical trends and our proprietary tool at myecfo.com/allocations to give us a sense of what may occur in the future on the downside. - We emphasize that past returns are not necessarily an indication of future returns, and that investing always involves risk. 6  C. Risks of Specific Securities Utilized MYeCFO generally seeks investment strategies that do not involve significant or unusual risk beyond that of the general domestic and/or international equity markets. However, it will utilize short sales, margin transactions, and options writing. Short sales, margin transactions, and options writing generally hold greater risk of capital loss and clients should be aware that there is a material risk of loss using any of those strategies. The investment types listed below (leaving aside Treasury Inflation Protected/Inflation Linked Bonds) are not guaranteed or insured by the FDIC or any other government agency. Mutual Funds: Investing in mutual funds carries the risk of capital loss and thus you may lose money investing in mutual funds. All mutual funds have costs that lower investment returns. They can be of bond “fixed income” nature (lower risk) or stock “equity” nature (mentioned above). Equity investment generally refers to buying shares of stocks by an individual or firms in return for receiving a future payment of dividends and capital gains if the value of the stock increases. There is an innate risk involved when purchasing a stock that it may decrease in value and the investment may incur a loss. Treasury Inflation Protected/Inflation Linked Bonds: The Risk of default on these bonds is dependent upon the U.S. Treasury defaulting (extremely unlikely); however, they carry a potential risk of losing share price value, albeit rather minimal. Fixed Income is an investment that guarantees fixed periodic payments in the future that may involve economic risks such as inflationary risk, interest rate risk, default risk, repayment of principal risk, etc. Debt securities carry risks such as the possibility of default on the principal, fluctuation in interest rates, and counterparties being unable to meet obligations. Stocks & Exchange Traded Funds (ETF): Investing in stocks & ETF's carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Real Estate funds face several kinds of risk that are inherent in this sector of the market. Liquidity risk, market risk and interest rate risk are just some of the factors that can influence the gain or loss that is passed on to the investor. Liquidity and market risk tend to have a greater effect on funds that are more growth-oriented, as the sale of appreciated properties depends upon market demand. Conversely, interest rate risk impacts the amount of dividend income that is paid by income-oriented funds. REITs have specific risks including valuation due to cash flows, dividends paid in stock rather than cash, and the payment of debt resulting in dilution of shares. Precious Metal ETFs (Gold, Silver, Palladium Bullion backed “electronic shares” not physical metal): Investing in precious metal ETFs carries the risk of capital loss. 7  Long term trading is designed to capture market rates of both return and risk. Due to its nature, the long-term investment strategy can expose clients to various other types of risk that will typically surface at various intervals during the time the client owns the investments. These risks include but are not limited to inflation (purchasing power) risk, interest rate risk, economic risk, market risk, and political/regulatory risk. Short term trading risks include liquidity, economic stability and inflation. Short sales risks include the upward trend of the market and the infinite possibility of loss. Margin transactions use leverage that is borrowed from a brokerage firm as collateral. Options writing involve a contract to purchase a security at a given price, not necessarily at market value, depending on the market. Past performance is not a guarantee of future returns. Investing in securities involves a risk of loss that you, as a client, should be prepared to bear. Item 9: Disciplinary Information A. Criminal or Civil Actions There are no criminal or civil actions to report. B. Administrative Proceedings There are no administrative proceedings to report. C. Self-regulatory Organization (SRO) Proceedings There are no self-regulatory organization proceedings to report. Item 10: Other Financial Industry Activities and Affiliations 8  A. Registration as a Broker/Dealer or Broker/Dealer Representative Neither MYeCFO nor its representatives are registered as or have pending applications to become a broker/dealer or as representatives of a broker/dealer. B. Registration as a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor Neither MYeCFO nor its representatives are registered as or have pending applications to become a Futures Commission Merchant, Commodity Pool Operator, or a Commodity Trading Advisor. C. Registration Relationships Material to this Advisory Business and Possible Conflicts of Interests Michael Robert Munson is a Portfolio Manager at Denali Advisors. Clients are in no way required to implement the plan through any representative of MYeCFO, LLC in such individuals’ outside capacities. MYeCFO, LLC always acts in the best interest of the client. All material conflicts of interest are disclosed regarding the investment adviser, its representatives or any of its employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. D. Selection of Other Advisers or Managers and How This Adviser is Compensated for Those Selections MYeCFO does not utilize nor select other advisers or third party managers. All assets are managed by MYeCFO management. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics MYeCFO has a written Code of Ethics that covers the following areas: Prohibited Purchases and Sales, Insider Trading, Personal Securities Transactions, Exempted Transactions, Prohibited Activities, Conflicts of Interest, Gifts and Entertainment, Confidentiality, Service on a Board of Directors, Compliance Procedures, Compliance with Laws and Regulations, Procedures and Reporting, Certification of Compliance, Reporting Violations, Compliance Officer Duties, Training and Education, Recordkeeping, Annual Review, and Sanctions. Our Code of Ethics is available free upon request to any client or prospective client. 9  B. Recommendations Involving Material Financial Interests MYeCFO does not recommend that clients buy or sell any security in which a related person to MYeCFO or MYeCFO has a material financial interest. C. Investing Personal Money in the Same Securities as Clients From time to time, representatives of MYeCFO may buy or sell securities for themselves that they also recommend to clients. This may provide an opportunity for representatives of MYeCFO to buy or sell the same securities before or after recommending the same securities to clients resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest. MYeCFO will always document any transactions that could be construed as conflicts of interest and will always transact client business before their own when similar securities are being bought or sold. D. Trading Securities At/Around the Same Time as Clients’ Securities From time to time, representatives of MYeCFO may buy or sell securities for themselves at or around the same time as clients. This may provide an opportunity for representatives of MYeCFO to buy or sell securities before or after recommending securities to clients resulting in representatives profiting off the recommendations they provide to clients. Such transactions may create a conflict of interest. MYeCFO will always transact client’s transactions before its own when similar securities are being bought or sold. Item 12: Brokerage Practices A. Factors Used to Select Custodians and/or Broker/Dealers MYeCFO generally recommends Schwab and E*Trade for client accounts. The Custodian, Schwab Institutional, a division of Charles Schwab & Co., Inc., (CRD # 5393), was chosen based on their relatively low transaction fees and access to mutual funds and ETFs. MYeCFO will never charge a premium or commission on transactions, beyond the actual cost imposed by Custodian. E*Trade is a secondary custodian that was chosen primarily for the convenience of clients using it already. 1. Research and Other Soft-Dollar Benefits MYeCFO receives no research, product, or services other than execution from a broker-dealer or third-party in connection with client securities transactions (“soft dollar benefits”). 2. Brokerage for Client Referrals MYeCFO receives no referrals from a broker-dealer or third party in exchange for using that broker-dealer or third party. 10  3. Clients Directing Which Broker/Dealer/Custodian to Use MYeCFO allows clients to direct brokerage: however, MYeCFO may recommend custodians. MYeCFO may be unable to achieve most favorable execution of client transactions if clients choose to direct brokerage. This may cost clients’ money because without the ability to direct brokerage MYeCFO may not be able to aggregate orders to reduce transactions costs resulting in higher brokerage commissions and less favorable prices. Not all investment advisers allow their clients to direct brokerage. B. Aggregating (Block) Trading for Multiple Client Accounts MYeCFO maintains the ability to block trade purchases across accounts. Block trading may benefit a large group of clients by providing MYeCFO the ability to purchase larger blocks resulting in smaller transaction costs to the client. Declining to block trade can cause more expensive trades for clients. Item 13: Reviews of Accounts A. Frequency and Nature of Periodic Reviews and Who Makes Those Reviews Client accounts are reviewed at least monthly only by Michael Munson, Managing Member. Martin Raul Curiel is the Chief Compliance Officer and is instructed to review clients’ accounts with regard to clients’ respective investment policies and risk tolerance levels. All accounts at MYeCFO are assigned to this reviewer. All financial planning accounts are reviewed upon financial plan creation and plan delivery by Martin Raul Curiel, Managing Member. There is only one level of review and that is the total review conducted to create the financial plan. 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 client's financial situations (such as retirement, termination of employment, physical move, or inheritance). 11  C. Content and Frequency of Regular Reports Provided to Clients Each client will receive at least quarterly from the custodian, a written report that details the client’s account including assets held and asset value which will come from the custodian. 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) MYeCFO does not receive any economic benefit, directly or indirectly from any third party for advice rendered to MYeCFO clients. B. Compensation to Non – Advisory Personnel for Client Referrals Currently, MYeCFO does not directly or indirectly compensate any person who is not advisory personnel for client referrals. Item 15: Custody MYeCFO, with client written authority, has limited custody of client’s assets through direct fee deduction of MYeCFO’s fees only. If the client chooses to be billed directly the custodian, MYeCFO would have constructive custody over that account and must have written authorization from the client to do so. Clients will receive all account statements and billing invoices that are required in each jurisdiction, and they should carefully review those statements for accuracy. Item 16: Investment Discretion For those client accounts where MYeCFO will have investment discretion, the client has given MYeCFO written discretionary authority over the client’s accounts with respect to securities to be bought or sold and the amount of securities to be bought or sold. Details of this relationship are fully disclosed to the client before any advisory relationship has commenced. The client provides MYeCFO discretionary authority via a discretionary investment management clause in the Investment Advisory Contract and/or a limited power of attorney clause in the contract between the client and the custodian. 12  Item 17: Voting Client Securities (Proxy Voting) MYeCFO will not ask for, nor accept voting authority for client securities. Clients will receive proxies directly from the issuer of the security or the custodian. Clients should direct all proxy questions to the issuer of the security. Item 18: Financial Information A. Balance Sheet MYeCFO does not require nor solicit prepayment of more than $500 in fees per client, six months or more in advance and therefore does not need to include a balance sheet with this brochure. B. Financial Conditions Reasonably Likely to Impair Ability to Meet Contractual Commitments to Clients Neither MYeCFO nor its management have any financial conditions that are likely to reasonably impair our ability to meet contractual commitments to clients. C. Bankruptcy Petitions in Previous Ten Years MYeCFO has not been the subject of a bankruptcy petition in the last ten years. 13 

This brochure supplement provides information about Jamie Edwards that supplements the MYeCFO, LLC brochure. You should have received a copy of that brochure. Please contact Jamie Edwards, Financial Adviser if you did not receive MYeCFO, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Jamie Edwards is also available on the SEC’s website at www.adviserinfo.sec.gov. MYeCFO, LLC d/b/a MYeCFO Form ADV Part 2B – Individual Disclosure Brochure for Jamie Edwards Personal CRD Number: 166919 Investment Adviser Representative Located in Edgewood, WA MYeCFO, LLC 6020 La Jolla Hermosa Avenue La Jolla, California 92037 (650) 231-4609 martin@myecfo.com  UPDATED: 03/02/2021 Form ADV 2B Version: 2/24/2026 1  Item 2: Educational Background and Business Experience Name: Jamie Edwards Born: 1982 Education Background and Professional Designations: Education: BA Sociology, University of Washington, Seattle – 2005 Designations/Certifications/Licenses: Series 65 (Uniform Investment Adviser Law)– Securities License The Uniform Investment Adviser Law Examination, called the Series 65 exam, was developed by North American Securities Administrators Association (NASAA) to qualify candidates as investment adviser representatives. To obtain the Series 65 License a qualifying exam administered by the Financial Industry Regulatory Authority (“FINRA”) must be passed. The Series 65 License is required by anyone intending to provide any kind of financial advice or service. The exam for this license is a 180-minute exam and covers topics that have been determined to be necessary to understand in order to provide investment advice to clients. The exam covers the rules and regulations pertaining to registered investment advisors and also various investment vehicles and disciplines, economics, ethics and analysis. Business Background: 08/2020 – Present Investment Advisor Representative MYeCFO, LLC 02/2013– 01/2015 HR/Payroll Manager Edwards Couriers, LLC 10/2011– 02/2013 Site Coordinator Nordstrom Inc. 02/2011 – 10/2011 Marketing Financial Coordinator Nordstrom, Inc. 09/2006 – 02/2011 Marketing Media Analyst, Nordstrom, Inc. 04/2006 – 08/2003 HR Interim Assistant/Intern/Personal Shopper Nordstrom, Inc. Form ADV 2B Version: 2/24/2026 2  Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Jamie Edwards is not engaged in any investment-related business or occupation (other than this advisory firm). Item 5: Additional Compensation Other than salary, annual bonuses, or regular bonuses, Jamie Edwards does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through MYeCFO, LLC. Item 6: Supervision Jamie Edwards is supervised by the owners and managing members of MYeCFO, LLC, Martin Raul Curiel and Michael Robert Munson. Together they supervise all duties and activities of the firm. Jamie Edwards’s contact information is on the cover page of this disclosure document. Jamie Edwards adheres to all required regulations regarding the activities of an Investment Adviser Representative and follows all policies and procedures outlined in the firm’s policies and procedures manual, including the Code of Ethics, and appropriate securities regulatory requirements. Form ADV 2B Version: 2/24/2026 3 

This brochure supplement provides information about Martin Raul Curiel that supplements the MYeCFO, LLC brochure. You should have received a copy of that brochure. Please contact Martin Raul Curiel, Managing Member if you did not receive MYeCFO, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Martin Raul Curiel is also available on the SEC’s website at www.adviserinfo.sec.gov. MYeCFO, LLC d/b/a MYeCFO Form ADV Part 2B – Individual Disclosure Brochure for Martin Raul Curiel Personal CRD Number: 5776093 Investment Adviser Representative MYeCFO, LLC 6020 La Jolla Hermosa Avenue La Jolla, California 92037 (650) 231-4609 martin@myecfo.com UPDATED: 03/02/2021  Item 2: Educational Background and Business Experience Name: Martin Raul Curiel Born: 1975 Education Background and Professional Designations: Education: BS Engineering, California Polytechnic State University – 1998 MBA Finance, Harvard Business School – 2004 Designations: CFA – Chartered Financial Analyst The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute - the largest global association of investment professionals. There are currently more than 90,000 CFA charterholders working in 134 countries. To earn the CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. High Ethical Standards The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charterholders to: • Place their clients' interests ahead of their own • Maintain independence and objectivity • Act with integrity • Maintain and improve their professional competence • Disclose conflicts of interest and legal matters Global Recognition Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today's quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charterholders-often making the charter a prerequisite for employment. Additionally, regulatory bodies in 22 countries and territories recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses. Comprehensive and Current Knowledge Form ADV 2B Version: 2/24/2026 1  The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning. The CFA Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession. To learn more about the CFA charter, visit www.cfainstitute.org. Business Background: 02/2013 – Present Managing Member MYeCFO, LLC 02/2012 – 01/2013 Vice President Matthews International Capital Management 06/2007 – 01/2012 Director, Principal Denali Advisors 09/2004 – 05/2007 Manager Deloitte Consulting 08/2002 – 06/2004 Student Harvard University 08/1998 – 07/2002 Engineer Chevron Corporation Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Martin Raul Curiel is not engaged in any investment-related business or occupation (other than this advisory firm). Form ADV 2B Version: 2/24/2026 2  Item 5: Additional Compensation Other than profit distributions, SEP IRA contributions, salary, annual bonuses, or regular bonuses, Martin Raul Curiel does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through MYeCFO, LLC. Item 6: Supervision As the co-owner and representative of MYeCFO, LLC, Martin Raul Curiel supervises all duties and activities of the firm and works closely with Michael Robert Munson, Managing Member. Martin Raul Curiel’s contact information is on the cover page of this disclosure document. Martin Raul Curiel adheres to all required regulations regarding the activities of an Investment Adviser Representative and follows all policies and procedures outlined in the firm’s policies and procedures manual, including the Code of Ethics, and appropriate securities regulatory requirements. Form ADV 2B Version: 2/24/2026 3 

This brochure supplement provides information about Michael Robert Munson that supplements the MYeCFO, LLC brochure. You should have received a copy of that brochure. Please contact Michael Robert Munson, Managing Member if you did not receive MYeCFO, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Michael Robert Munson is also available on the SEC’s website at www.adviserinfo.sec.gov. MYeCFO, LLC d/b/a MYeCFO Form ADV Part 2B – Individual Disclosure Brochure for Michael Robert Munson Personal CRD Number: 4355972 Investment Adviser Representative MYeCFO, LLC 6020 La Jolla Hermosa Avenue La Jolla, California, 92037 (858) 500-3702 mike@myecfo.com UPDATED: 03/02/2021  Item 2: Educational Background and Business Experience Name: Michael Robert Munson Born: 1971 Education Background and Professional Designations: Education: BS Mathematics, Harvey Mudd College – 1994 MBA Finance, University of California, Los Angeles - 1999 Designations: CFA – Chartered Financial Analyst The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute - the largest global association of investment professionals. There are currently more than 90,000 CFA charterholders working in 134 countries. To earn the CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. High Ethical Standards The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charterholders to: • Place their clients' interests ahead of their own • Maintain independence and objectivity • Act with integrity • Maintain and improve their professional competence • Disclose conflicts of interest and legal matters Global Recognition Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today's quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charterholders-often making the charter a prerequisite for employment. Additionally, regulatory bodies in 22 countries and territories recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses. Comprehensive and Current Knowledge Form ADV 2B Version: 2/24/2026 1  The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning. The CFA Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession. To learn more about the CFA charter, visit www.cfainstitute.org. Business Background: 02/2013 – Present Managing Member - Chief Investment Officer MYeCFO, LLC 04/2001 – Present Vice President – Portfolio Manager Denali Advisors Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Michael Robert Munson is a Portfolio Manager at Denali Advisors. Clients are in no way required to implement the plan through any representative of MYeCFO, LLC in such individual’s outside capacities. MYeCFO, LLC always acts in the best interest of the client. Item 5: Additional Compensation Other than profit distributions, SEP IRA contributions, salary, annual bonuses, or regular bonuses, Michael Robert Munson does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through MYeCFO, LLC. Form ADV 2B Version: 2/24/2026 2  Item 6: Supervision As the co-owner and representative of MYeCFO, LLC, Michael Robert Munson supervises all duties and activities of the firm and works closely with Martin Raul Curiel, Managing Member. Michael Robert Munson’s contact information is on the cover page of this disclosure document. Michael Robert Munson adheres to all required regulations regarding the activities of an Investment Adviser Representative and follows all policies and procedures outlined in the firm’s policies and procedures manual, including the Code of Ethics, and appropriate securities regulatory requirements. Form ADV 2B Version: 2/24/2026 3 

This brochure supplement provides information about Roger G. Chen that supplements the MYeCFO, LLC brochure. You should have received a copy of that brochure. Please contact Roger G. Chen, Financial Adviser if you did not receive MYeCFO, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Roger G. Chen is also available on the SEC’s website at www.adviserinfo.sec.gov. MYeCFO, LLC d/b/a MYeCFO Form ADV Part 2B – Individual Disclosure Brochure for Roger G. Chen Personal CRD Number: 7888385 Investment Adviser Representative Located in New York, NY MYeCFO, LLC 6020 La Jolla Hermosa Avenue La Jolla, California 92037 (650) 231-4609 martin@myecfo.com UPDATED:03/11/2024  Item 2: Educational Background and Business Experience Name: Roger G. Chen Born: 1971 Education Background and Professional Designations: Education: BS Mathematical and Computational Science, Stanford University - 1993 MBA Finance, UCLA Anderson School of Management - 2000 Designations/Certifications/Licenses: CFA – Chartered Financial Analyst The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute - the largest global association of investment professionals. There are currently more than 90,000 CFA charterholders working in 134 countries. To earn the CFA charter, candidates must: 1) pass three sequential, six-hour examinations; 2) have at least four years of qualified professional investment experience; 3) join CFA Institute as members; and 4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. High Ethical Standards The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charterholders to: • Place their clients' interests ahead of their own • Maintain independence and objectivity • Act with integrity • Maintain and improve their professional competence • Disclose conflicts of interest and legal matters Global Recognition Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today's quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charterholders-often making the charter a prerequisite for employment. Additionally, regulatory bodies in 22 countries and territories recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses. Form ADV 2B Version: 2/24/2026 1  The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning. The CFA Program curriculum is updated every year by experts from around the world to ensure that candidates learn the most relevant and practical new tools, ideas, and investment and wealth management skills to reflect the dynamic and complex nature of the profession. To learn more about the CFA charter, visit www.cfainstitute.org. PRM – Professional Risk Manager The Professional Risk Manager (PRM) Designation is a globally recognized, graduate-level risk management credential. Today's Risk Professionals are expected to know and understand industry best practices and be committed to using them. There is no better way for risk managers to show their commitment than by proving that they have the knowledge, skills, and qualifications to back their experience. The PRM Program is a series of certification exams, designed to measure the knowledge of professional risk managers and ensure they meet a specific performance standard in their profession. Endorsed by leading university programs and industry firms, it is the global standard for risk management professionals. Built by a broad coalition of industry leaders to reflect the mission objectives of the association and to establish the leading form of education, validation and certification in the Risk Management profession, the PRM counts candidates from over 100 countries, more than any other risk certification program, anywhere. Individuals with the PRM designation have demonstrated their knowledge and understanding of: the classic finance theory underpinning risk management the foundations of risk measurement the foundation of option theory financial instruments and their associated risks and uses the daily form and function of trading markets risk management best practices lessons learned from failed systems and practices and major risk events • • • • • • • • best practices of governance, conduct and ethics To learn more about the PRM designation, visit www.prmia.org. Business Background: Form ADV 2B Version: 2/24/2026 2  03/2024 – Present Investment Advisor Representative MYeCFO, LLC 06/2023 - Present Executive Risk Consultant Milliman 08/2010 – 03/2023 Vice President New York Life Insurance Company 11/2008 – 08/2010 Senior Manager Ernst & Young LLP 11/2006 – 11/2008 Project Manager AIG 06/2003 – 11/2006 Senior Manager Ernst & Young LLP 06/2002 – 06/2003 Product Manager Bullrun Financial 08/2000 – 06/2002 Associate Bank of America 09/1998 – 06/2000 MBA Student UCLA Anderson School of Management 11/1997 – 07/1998 Assistant Vice President Bay View Capital Corporation 02/1994 – 10/1997 Associate Project Manager FICO Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Form ADV 2B Version: 2/24/2026 3  Roger G. Chen is not engaged in any investment-related business or occupation (other than this advisory firm). Item 5: Additional Compensation Other than salary, annual bonuses, or regular bonuses, Roger G. Chen does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through MYeCFO, LLC. Item 6: Supervision Roger G. Chen is supervised by the owners and managing members of MYeCFO, LLC, Martin Raul Curiel and Michael Robert Munson. Together they supervise all duties and activities of the firm. Roger G. Chen’s contact information is on the cover page of this disclosure document. Roger G. Chen adheres to all required regulations regarding the activities of an Investment Adviser Representative and follows all policies and procedures outlined in the firm’s policies and procedures manual, including the Code of Ethics, and appropriate securities regulatory requirements. Form ADV 2B Version: 2/24/2026 4 

This brochure supplement provides information about Yuliana Mendez that supplements the MYeCFO, LLC brochure. You should have received a copy of that brochure. Please contact Yuliana Mendez, Financial Adviser if you did not receive MYeCFO, LLC’s brochure or if you have any questions about the contents of this supplement. Additional information about Yuliana Mendez is also available on the SEC’s website at www.adviserinfo.sec.gov. MYeCFO, LLC d/b/a MYeCFO Form ADV Part 2B – Individual Disclosure Brochure for Yuliana Mendez Personal CRD Number: 7211018 Investment Adviser Representative MYeCFO, LLC 6020 La Jolla Hermosa Avenue La Jolla, California 92037 (650) 231-4609 martin@myecfo.com UPDATED: 02/28/2020  Item 2: Educational Background and Business Experience Name: Yuliana Mendez Born: 1985 Education Background and Professional Designations: Education: BA Philosophy, California State University, Sacramento – 2003 MBA, University of Southern California – 2017 Designations/Certifications/Licenses: Series 65 (Uniform Investment Adviser Law)– Securities License The Uniform Investment Adviser Law Examination, called the Series 65 exam, was developed by North American Securities Administrators Association (NASAA) to qualify candidates as investment adviser representatives. To obtain the Series 65 License a qualifying exam administered by the Financial Industry Regulatory Authority (“FINRA”) must be passed. The Series 65 License is required by anyone intending to provide any kind of financial advice or service. The exam for this license is a 180-minute exam and covers topics that have been determined to be necessary to understand in order to provide investment advice to clients. The exam covers the rules and regulations pertaining to registered investment advisors and also various investment vehicles and disciplines, economics, ethics and analysis. Business Background: 01/2020 – Present Investment Advisor Representative MYeCFO, LLC 08/2018– Present Business Professor Yuba Community College 05/2017– 12/2019 Owner Bilingüe Clothing Co. 07/2015 – 05/2017 MBA Student University of Southern California 01/2008 – 07/2015 Deputy Director Senate Appointments, Consultant California State Senate 10/2010 – 12/2012 Consultant California Democratic State Central Committee Form ADV 2B Version: 2/24/2026 1  Item 3: Disciplinary Information There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business. Item 4: Other Business Activities Yuliana Mendez is not engaged in any investment-related business or occupation (other than this advisory firm). Item 5: Additional Compensation Other than salary, annual bonuses, or regular bonuses, Yuliana Mendez does not receive any economic benefit from any person, company, or organization, in exchange for providing clients advisory services through MYeCFO, LLC. Item 6: Supervision Yuliana Mendez is supervised by the owners and managing members of MYeCFO, LLC, Martin Raul Curiel and Michael Robert Munson. Together they supervise all duties and activities of the firm. Yuliana Mendez’s contact information is on the cover page of this disclosure document. Yuliana Mendez adheres to all required regulations regarding the activities of an Investment Adviser Representative and follows all policies and procedures outlined in the firm’s policies and procedures manual, including the Code of Ethics, and appropriate securities regulatory requirements. Form ADV 2B Version: 2/24/2026 2