Twenty Twenty Investment Advisors, LLC

ITEM 1 – COVER PAGE ADV PART 2A-2B JULY 24, 2026 TWENTY-TWENTY INVESTMENT ADVISORS, LLC P.O. BOX 30474 SPOKANE, WA 99223 509-892-3512 www.2020ia.com This brochure provides information about the qualifications and business practices of Twenty Twenty Investment Advisors, LLC (“Twenty Twenty”). If you have any questions about the contents of this brochure, please contact us at 509-892-3512. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission (“SEC”) or by any state securities authority. Twenty Twenty is a Registered Investment Adviser. Registration as an Investment Adviser with the SEC does not imply a certain level of skill or training. Additional information about Twenty Twenty Investment Advisors, LLC is available on the SEC’s website at www.adviserinfo.sec.gov. You can search this site using our IARD number which is CRD#128086.  ITEM 2 – MATERIAL CHANGES SUMMARY OF MATERIAL CHANGES This Brochure replaces our previous version dated January 15, 2025, and updated our assets under. In the future, this section will discuss specific material changes that are made to the Brochure and provide clients with a summary of such changes. Following the SEC and state rules, we will ensure that clients receive a summary of any materials changes to this and subsequent Brochures within 120 days of the close of the Advisor’s fiscal year. We will provide other ongoing disclosure information about material changes, as necessary. Currently, a free copy of our Brochure may be requested by contacting Twenty Twenty at 509-892-3512. The Brochure is also available on our website www.2020ia.com. ITEM 3 – TABLE OF CONTENTS ITEM 1 – COVER PAGE 0 ITEM 2 – MATERIAL CHANGES 1 ITEM 3 – TABLE OF CONTENTS 1 ITEM 4 – ADVISORY BUSINESS 2 ITEM 5 - FEES AND COMPENSATION 3 ITEM 6 - PERFORMANCE BASED FEES AND SIDE-BY-SIDE MANAGEMENT 3 ITEM 7 - TYPES OF CLIENTS 3 ITEM 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS 4 ITEM 9 - DISCIPLINARY INFORMATION 5 ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS 5 ITEM 11 - CODE OF ETHICS 5 ITEM 12 - BROKERAGE PRACTICES 6 ITEM 13 - REVIEW OF ACCOUNTS 6 ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION 6 ITEM 15 – CUSTODY 7 ITEM 16 – INVESTMENT DISCRETION 7 ITEM 17 – VOTING YOUR SECURITIES 7 ITEM 18 – FINANCIAL INFORMATION 7 ADV PART 2B 8 TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 1  ITEM 4 – ADVISORY BUSINESS Twenty Twenty Investment Advisors, LLC (“Twenty Twenty”) was established in 2003 to provide Wealth Management, Financial Consulting and Retirement Plan Advisory Services for individuals, high net worth individuals, foundations, employer sponsored retirement plans, charitable organizations, institutions, trusts, and estates. Twenty Twenty is owned by Bruce Billeter and Joshua Mastel. WEALTH MANAGEMENT Through its investment advisor representatives (“Representatives”) Twenty Twenty provides Wealth Management that includes comprehensive financial lifestyle planning and investment management. Every client has a different financial situation, so we tailor our Wealth Management to match the client’s specific investment goals and objectives. We manage accounts on a discretionary basis, which means we execute the day-to-day transactions without seeking prior client consent. We learn about clients through interviews and discussions, risk tolerance questionnaires, third-party risk analysis software programs or through the development of an investment policy statement. Clients may impose reasonable restrictions on our investing in certain securities, types of securities, or industry sectors, provided the restrictions are in writing. It is important that clients notify us immediately if circumstances have changed with respect to their financial situation. In most cases, we utilize exchange-traded funds or stocks for clients, although we can also select mutual funds, bonds, certificate of deposits, or any investments available through the custodian selected by the client. FINANCIAL CONSULTING Financial Consulting is offered and included in conjunction with our Wealth Management, although in some cases we are engaged by clients for standalone Financial Consulting services. Through our Financial Consulting we engage clients in conversations around family goals, objectives, priorities, vision, and legacy – both for the near term as well as for future generations. With the unique goals and circumstances of each family in mind, our team will offer Financial Consulting and strategies to address the client’s holistic financial picture, including estate, income tax, charitable, cash flow, wealth transfer, and family legacy objectives. Our team can work with client’s other advisors (CPAs, Enrolled Agents, Estate Attorneys, Insurance Brokers, etc.) to ensure a coordinated effort of all parties toward the client’s stated goals. Such services include various reports on specific goals and objectives or general investment and/or planning recommendations, guidance to outside assets, and periodic updates. All Financial Consulting clients are unique and require different services but we can provide: (1) Review and clarification of your financial goals; (2) Assessment of your overall financial position including cash flow, net worth, balance sheet, investment strategy, risk management, and estate planning; (3) Creation of a unique plan for each goal you have for real estate, education, retirement or financial independence, charitable giving, estate planning, business planning, business succession, and other personal goals; (4) Development of a goal-oriented investment financial plan; (5) Design of a risk management plan including risk tolerance, risk avoidance and mitigation; and (6) Crafting and implementation of, in conjunction with your estate and/or corporate attorneys as tax advisor, a review and recommendations for estate plans. It is important to know that all Financial Consulting clients are different and not all services noted above will be provided to every client. A written evaluation or verbal delivery of the client's situation or Financial Plan may be provided to the client. We offer ongoing or periodic reviews of Financial Consulting when requested by the client. RETIREMENT PLAN ADVISORY SERVICES We provide retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, monitoring, and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising could include investment options, plan structure and participant education. Retirement Plan Advisory Services typically include establishing an Investment Policy Statement, recommending or selecting investment options, development of asset allocation and portfolio construction and investment monitoring. In providing services for retirement plan consulting, our firm does not provide any advisory services with respect to the following types of assets: employer securities, real estate (excluding real estate funds and publicly traded REITS), participant loans, non- publicly traded securities or assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). All Retirement Plan Advisory Services shall follow applicable state and federal laws regulating retirement consulting services. This TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 2  applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). For management of Plans, our firm acknowledges its fiduciary standard within the meaning of Section 3(21) or 3(38) of ERISA. ASSETS As of December 31, 2025, we managed $138,978,900 in discretionary assets under management. ITEM 5 - FEES AND COMPENSATION WEALTH MANAGEMENT Twenty Twenty charges advisory fees (“Advisory Fees”) for Wealth Management which are calculated as a percentage of assets under management (“Assets”). Our standard annual Advisory Fee is as follows: Assets Managed Advisory Fee First $1,000,000 1.00% Next $2,000,000 0.85% Next $2,000,000 0.70% Above $5,000,000 0.50% The Advisory Fee is calculated quarterly based upon the value of the Assets at the end of the previous quarter. When you engage us, you will sign an advisory agreement (“Agreement”) that fully discloses our Advisory Fee; specifies the fee being charged in advance or arrears; gives us authorization to debit our fee directly from your accounts; and provides the general terms for our services. The Assets include all positions in the accounts, cash, declared and paid dividends, accrued income and interest payments, unless specifically excluded or restricted from billing in writing by the client. We have some clients on a lower fee schedule or waived minimum fee based on the individual client circumstances, familial relationships, complexity of relationship, existing client, etc. Clients are also responsible for all transaction charges, fees and other expenses charged and imposed by the custodian who holds the Assets, which is separate and in addition to our Advisory Fees. Additionally, clients may incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g., management fees and other fund expenses). Accordingly, clients should review the fees charged by the investments, custodian, and our Advisory Fee to fully understand the total amount of the fees being paid. The investments selected for the clients are not exclusively available to us and could be obtained through other unaffiliated firms and potentially at a lower fee. Of course, we strive to be sensitive and conscientious of all fees charged to clients. FINANCIAL CONSULTING Financial Consulting is included in the Advisory Fee for Wealth Management clients who request the same. For standalone Financial Consulting, our fixed fee is up to $350 per hour for services provided. If engaged for standalone Financial Consulting, clients will be provided a Financial Consulting agreement (“Consulting Agreement”) that outlines the services provided, and fee to be charged. We will provide all standalone Financial Consulting clients with an invoice of the fees charged, or it will be outlined in the Consulting Agreement. Standalone Financial Consulting fees are due upon engagement or on completion and delivery of the analysis and recommendations. You may terminate the Consulting Agreement by providing us with written notice. There is no penalty for termination of your Financial Consulting agreement prior to delivery of the information being delivered to you, although we would charge you for the time spent prior to the termination, unless cancelled within 5 days of engagement. RETIREMENT PLANNING SERVICES We charge advisory fees (“Retirement Advisory Fees”) for Retirement Plan Advisory Services which are calculated as a percentage of assets under management (“Assets”). Retirement Advisory Fees are based on a percentage of managed plan assets and will not exceed 1.25%. In some cases, we charge Retirement Advisory Fees on an hourly basis. The fee-paying arrangements will be determined on a case-by-case basis and will be detailed in the signed Retirement Plan Advisory Services Agreement. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 3  ITEM 6 - PERFORMANCE BASED FEES AND SIDE-BY-SIDE MANAGEMENT We do not charge advisory fees on a share of the capital appreciation of the funds or securities in a client account (so-called performance-based fees). ITEM 7 - TYPES OF CLIENTS We provide investment advice to individuals, high net worth individuals, foundations, employer sponsored retirement plans, charitable organizations, institutions, trusts and estates. ITEM 8 - METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS METHODS OF ANALYSIS AND INVESTMENT STRATEGIES We will use our best judgment as well as client inputs such as risk tolerance, time horizon, objectives/goals, liquidity needs, and suitability factors when choosing investments and constructing portfolios. Our investment philosophy includes Modern Portfolio Theory (“MPT”). MPT states that investments should be selected based on how they interact with one another, rather than how they perform in isolation. When selecting individual investments to be included in a portfolio we will utilize some or all of the following methods: Fundamental, Technical, Cyclical, and Macro and Micro economic analysis. Additionally, we utilize numerous sources of information to provide advice, including but not limited to: financial newspapers and magazines, websites, research materials and software prepared by third parties, annual reports, prospectuses and filings with the SEC, company press reports, as well as our proprietary analysis of data and information. It is important to know that all methods of analysis include specific risks, including timing errors, inaccurate information, economic impacts, and other factors that can impact client investment performance. We may utilize long-term purchases (securities held at least a year) and short-term purchases (securities sold within a year) when implementing Investment Management. Short term purchases may increase costs and may also increase the tax obligation of the portfolio. Investments may also be made on margin, which may increase the costs due to the interest payments on the margin loan balance. Option strategies may also be implemented, which carry the risk of expiration with no value, as well as called equity positions, which could create a risk of taxation. The types of securities include, but are not limited to the following: equities, fixed income (corporate debt, municipal bonds, certificates of deposit, etc.), mutual funds, unit investment trusts, options, exchange traded funds, U.S. Government issues securities, real estate investment trusts, limited partnerships and direct participation programs. RISK OF LOSS A client’s investment portfolio is affected by general economic and market conditions, such as interest rates, availability of credit, inflation rates, economic conditions, changes in laws and national and international political circumstances. Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Twenty Twenty will assist Clients in determining an appropriate strategy based on their tolerance for risk. Financial Planning: Risks associated with the financial planning process include the possibility that the investment performance, interest rates, inflation assumptions, and longevity assumptions used in the development of client’s financial plan turn out to be materially different than the actual future investment performance, interest rate, inflation, and life span. Differences between the assumptions used in the plan and actual events can materially affect the results of the financial plan over long periods of time. While we base our assumptions on historical information, clients must acknowledge that past performance or events might not be indicative of the future returns. Investing: Investing is not without risk and involves the risk of loss of principal which clients should be prepared to bear. We use several strategies to try to reduce risk, including diversifying a portfolio across multiple asset classes. Despite these strategies, every asset class has experienced severe declines in value, sometimes over many years. Asset Class Risk: Securities in client portfolios or in underlying investments such as mutual funds may underperform in comparison to the general securities markets or other asset classes. Issuer Risk: Client account performance depends on the performance of individual securities selected in client accounts. Any issuer may perform poorly or be unable to continue operations, causing the value of its securities to decline or default. Management Risk: The performance of client accounts is subject to the risk that our investment management strategy may not produce the intended results. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 4  ‐ Market Risk: Client accounts can lose money over short periods due to short-term market movements and over longer periods during market downturns. The value of a security may decline due to general market conditions, economic trends, or events that are not specifically related to the issuer of the security or to factors that affect a particular industry or industries. Passive Investment Risk: We may use a passive investment strategy that is not actively managed where we do not attempt to take defensive positions in declining markets. Liquidity Risk: A security may not be able to be sold at the time desired which can impact performance. Interest Rate Risk: An increase in interest rates may cause the value of fixed income securities and funds that hold these securities to decline in value. Securities with longer durations tend to be more sensitive to interest rate changes, usually making them more volatile than securities with shorter durations. Inflation Risk: When any type of inflation is present, a dollar today will not buy as much as a dollar next year, because purchasing power is eroding at the rate of inflation. Currency Risk: Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. Reinvestment Risk: This is a risk that future proceeds from fixed income investments may have to be reinvested at a potentially lower rate of return (i.e., interest rate). Business Risk: These risks are associated with a particular industry or a particular company within an industry. Financial Risk: Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad times. Credit Risk - refers to the risk that companies or other issuers may fail to pay their debts (including the debt owed to holders of their bonds). Consequently, this affects individual bond ladders, mutual funds and exchange traded funds (ETFs) that hold these bonds. Credit risk is less of a factor in investments including insured bonds or U.S. Treasury Bonds. By contrast, those that invest in the bonds of companies with poor credit ratings generally will be subject to higher risk. Prepayment Risk - Issuers may choose to pay off debt earlier than the stated maturity date on a bond. For example, if interest rates fall, a bond issuer may decide to “retire” its debt and issue new bonds that pay a lower rate. When this happens, proceeds from the sale of individual bonds or a bond fund may not be able to be reinvested in an investment with as high a return or yield. ITEM 9 - DISCIPLINARY INFORMATION We do not have any legal, financial or other “disciplinary” items to report. ITEM 10 - OTHER FINANCIAL INDUSTRY ACTIVITIES AND AFFILIATIONS There are no other financial industry activities or affiliations to report. ITEM 11 - CODE OF ETHICS We have implemented policies and procedures to govern our employees and to mitigate the conflicts of interest we encounter when providing our advisory services to clients. These include: • A Code of Ethics that each employee is required to review and sign an acknowledgement of receipt and understanding • • (upon hire, and annually); Prohibitions on the misuse of material non-public information; Personal securities trading policies and procedures (governing not only our employee but also the members of their household and any other securities or brokerage accounts where they have beneficial ownership of with a spouse, family member or other person). Employees are not allowed to: “Front-run” or trade in anticipation of client transactions. o Trade on inside information. o o Trade or participate in any activity prohibited under the federal securities laws. o Place their interests in front of clients. We strive to achieve the highest ethical and fiduciary standards (in dealing with Clients, the public, vendors, prospective clients, and each other). As a fiduciary, we have an affirmative duty to act with integrity, competence, and care; this includes disclosing all potential and actual conflicts of interest. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 5  It may be possible for the Representative to buy or sell securities in their personal accounts that were also purchased in client accounts. We have a strict policy against using the trade flow of clients to economically benefit our firm or Representatives and we monitor the transactions of Representative’s accounts to ensure that client interests are placed first. We provide services for various other clients. We may give advice or take actions for our clients that differ from the advice given to other clients. The timing or nature of any action taken for all clients or other sponsors may also vary. For more information or to request a copy of our Code of Ethics, please contact us at 509-892-3512. ITEM 12 - BROKERAGE PRACTICES Our client assets are primarily held by Charles Schwab & Company. (“Custodian”). We tend to recommend the Custodian for administrative convenience and because they offer good value to our clients for the transaction costs and other costs incurred. The client is not obligated to affect transactions through any Custodian recommended by Twenty Twenty. In recommending the Custodian, we will comply with our fiduciary duty to seek best execution and will consider such relevant factors as: (1) price; (2) the custodian’s facilities, reliability, and financial responsibility; (3) the ability of the Custodian to effect transactions, particularly about such aspects as timing, order size and execution of order; and (4) Any other factors that we consider to be relevant. Additionally, retirement plan accounts are held at the custodian or trustee as selected by the plan sponsor, and all transactions will be processed inside of that custodian or trustee. The Custodian provides us (and other independent investment advisors) services which include custody of securities, trade execution, clearance, and settlement of transactions. We receive some benefits from the Custodian that is more fully described in Item 14 below. In some cases, the Representative may aggregate or block trade multiple client accounts. Doing so allows some efficiency in the transactions, although it does not ensure you will receive a reduction in trading costs or a better execution price than if your trade was enacted separately. Please note that block trades are reviewed by either the Chief Compliance Officer, administrative associates or other assignees. We do not receive any soft-dollar benefits. It may be possible for the Representative to buy or sell securities in their personal accounts that were also purchased in your account. We have a strict policy against using the trade flow of clients to economically benefit us or the Representative. We monitor transaction of Representative’s accounts to ensure that your interests are placed first. ITEM 13 - REVIEW OF ACCOUNTS Accounts are reviewed by our Chief Compliance Officer or their assignee. The frequency of reviews is determined based on the supervisory processes and/or the client investment objectives. Accounts are generally reviewed quarterly, but in any event, no less than annually. More frequent reviews may be triggered by a change in client’s investment objectives; tax considerations; large deposits or withdrawals; large sales or purchases; loss of confidence in corporate management; or changes in the economic climate. Investment advisory clients receive standard account statements from the Custodian, typically monthly. We may also provide clients with a written report summarizing your accounts. There may be a difference between the report provided by Twenty Twenty and the statement from the Custodian based on settlement versus trade date accounting, dividends, or accrued interest. It is important that Clients rely on the value as provided by the Custodian for the actual value of their accounts. ITEM 14 – CLIENT REFERRALS AND OTHER COMPENSATION As disclosed under Item 12 Brokerage Practices, we typically recommend Charles Schwab & Company for custody and brokerage services. By recommending this Custodian, we receive economic benefits that include the following products and services (provided without cost or at a discount): transition assistance (assistance with client paperwork and various benefits for offsetting or crediting account transfer fees or termination fees from previous custodian); software; receipt of duplicate client statements and confirmations; research related products and tools; consulting services; access to a trading desk serving advisor participants; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to client accounts); the ability to have advisory fees deducted directly from client accounts; access to an electronic communications network for client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers; and discounts on compliance, marketing, research, technology, and practice management products or services provided to us by third party vendors. The Custodian may also have paid for business consulting and professional TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 6  services received by some of our related persons. Some of the products and services made available by the Custodian may benefit us but may not benefit your account. These products or services may assist us in managing and administering your account, including accounts not maintained at either Custodian. Other services made available by the Custodian are intended to help us manage and further develop our business enterprise. The benefits received by our firm or our personnel through utilization of the Custodian do not depend on the amount of brokerage transactions directed to them. As part of our fiduciary duties to clients, we always endeavor to put the interests of our clients first. You should be aware, however, that our receipt of economic benefits in and of itself creates a conflict of interest and may indirectly influence our choice to recommend the Custodian for custody or brokerage services. ITEM 15 – CUSTODY As noted in the Investment Advisory Agreement signed by the Client, we do have the ability to deduct our advisory fee directly from Client accounts. Additionally, we are reporting custody on certain accounts where the client has requested the ability to electronically transfer assets to a third-party through a standing limited power of attorney (known as a SLOA). Although we do not have any relationship, affiliation or share an address with any of the third parties, we are following SEC guidelines to report having custody of these assets. Other than these situations, we do not have custody of any client assets. ITEM 16 – INVESTMENT DISCRETION Clients grant us discretion through a limited power of attorney to select, purchase, or sell securities without obtaining client specific consent within client accounts. Our Advisory Agreement will provide us with discretion authority to trade accounts. ITEM 17 – VOTING YOUR SECURITIES We will not vote on proxies for securities held in client accounts. Clients can contact our office with questions about a particular solicitation by phone at 509-892-3512. ITEM 18 – FINANCIAL INFORMATION We do not have any circumstance that is reasonably likely to impair our ability to meet contractual commitments to clients. We do not require or solicit prepayment of more than $1,200 in fees per client, six months or more in advance. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 7  ADV PART 2B ADV PART 2B Jay D. Lake Investment Advisor Representative JULY 24, 2026 TWENTY-TWENTY INVESTMENT ADVISORS, LLC P.O. BOX 30474 SPOKANE, WA 99223 509-892-3512 www.2020ia.com This brochure supplement provides information about Jay Lake that supplements the Twenty Twenty ADV Part 2A. Additional information about Jay Lake is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #1253117. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 8  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Jay D. Lake was born in 1960. He obtained a B.A. from the University of Denver in Public Affairs and Spanish. After working for various financial services firms since 1984, Mr. Lake founded Twenty Twenty Investments Advisors, LLC in 2003. He continues to be an investment advisor representative. From 2021 to July 2026, Mr. Lake was dually-registered with Origin Financial, where he provided financial planning services to clients as an investment advisor representative. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES None ITEM 5 – ADDITIONAL COMPENSATION None ITEM 6 – SUPERVISION Jennifer West is the Chief Compliance Officer of Twenty Twenty and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day to day operations, general management of the firm and compliance related matters. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 9  ADV PART 2B ADV PART 2B Bruce W. Billeter Investment Advisor Representative JULY 24, 2026 TWENTY-TWENTY INVESTMENT ADVISORS, LLC P.O. BOX 30474 SPOKANE, WA 99223 509-892-3512 www.2020ia.com This brochure supplement provides information about Bruce Billeter that supplements the Twenty Twenty ADV Part 2A. Additional information about Bruce Billeter is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #1751156. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 10  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Bruce Billeter was born in 1964. He graduated from the University of Washington Foster School of Business in 1988. Bruce was employed with the Boeing Aerospace Company for 5 years before moving to Spokane in 1993 where he worked for various financial service firms including Nelson Securities and Petersen Hastings Investment Management. In 2007, Bruce founded Billeter Wealth Management prior to joining Twenty Twenty Investment Advisers LLC in 2019 where he continues to be a principal and serves as the Chief Investment Officer. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES None ITEM 5 – ADDITIONAL COMPENSATION None ITEM 6 – SUPERVISION Jennifer West is the Chief Compliance Officer of Twenty Twenty and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day to day operations, general management of the firm and compliance related matters. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 11  ADV PART 2B ADV PART 2B Joshua Mastel Investment Advisor Representative JULY 24, 2026 TWENTY-TWENTY INVESTMENT ADVISORS, LLC P.O. BOX 30474 SPOKANE, WA 99223 509-892-3512 www.2020ia.com This brochure supplement provides information about Joshua Mastel that supplements the Twenty Twenty ADV Part 2A. Additional information about Joshua Mastel is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #6044548. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 12  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Joshua Mastel was born in 1979. He obtained a B.A. in Finance and Economics from Eastern Washington University in 2009. He obtained a Master’s in Business Administration with an emphasis on Finance from Washington State University in 2017. Mr. Mastel is a Certified Financial Planner (“CFP®“) and an Accredited Investment Fiduciary(“AIF®”). He began his career in the financial services industry in 2012, and joined Twenty Twenty in 2016, where he is now a principal and investment advisor representative. The CFP® designation identifies individuals who have completed the mandatory examination, education, experience, and ethics requirements mandated by the CFP® Board. Candidates must have at least three years of qualifying work experience. CFP® candidates must pass an examination that covers over 100 financial planning topics, which broadly include: investment, financial, retirement, estate and insurance planning, risk management, employee benefits planning, income tax planning. The designation has ongoing ethics requirements and oversight by the CFP® Board and 30 hours every two-years of continuing education. The Accredited Investment Fiduciary (AIF®) designation is awarded by the Center for Fiduciary Studies to individuals who pass a web- based program. Applicants must pass a final certification exam that is proctored and closed book. All holders are required to complete 6 hours of continuing education per year. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES Joshua Mastel has ownership in various Real Estate LLC’s. ITEM 5 – ADDITIONAL COMPENSATION None ITEM 6 – SUPERVISION Jennifer West is the Chief Compliance Officer of Twenty Twenty and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day to day operations, general management of the firm and compliance related matters. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 13  ADV PART 2B ADV PART 2B Megan Billeter Investment Advisor Representative JULY 24, 2026 TWENTY-TWENTY INVESTMENT ADVISORS, LLC P.O. BOX 30474 SPOKANE, WA 99223 509-892-3512 www.2020ia.com This brochure supplement provides information about Megan Billeter that supplements the Twenty ADV Part 2A. Additional information about Megan Billeter is available on the SEC’s website at www.adviserinfo. sec.gov using CRD #8200042. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 14  ITEM 2 – EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE Megan Billeter was born is 1998. She obtained a Bachelor of Arts in Marketing from Western Washington University in 2021 and earned an MBA from Western Washington University in 2023. Prior to joining Twenty Twenty she was an Account Sales Representative and assistant golf coach. In 2026 she joined Twenty Twenty Investment Advisors, LLC as a Registered Investment Advisor. ITEM 3 – DISCIPLINARY INFORMATION None ITEM 4 – OTHER BUSINESS ACTIVITIES None ITEM 5 – ADDITIONAL COMPENSATION None ITEM 6 – SUPERVISION Jennifer West is the Chief Compliance Officer of Twenty Twenty and supervises the firm in the areas of client services and advice, investment policies, forms and procedures, day to day operations, general management of the firm and compliance related matters. TWENTY TWENTY INVESTMENT ADVISORS, LLC JULY 24, 2026 | PAGE 15