Continuum Advisory, LLC (“our/us/we/Firm”) is an SEC registered investment adviser. Our business model consists of a network of investment adviser representatives (“Advisors”) doing business under separate “doing business as” (“DBA”) across the United States. Currently, we have Advisors in Arizona, Arkansas, California, Florida, Hawaii, Idaho, Maryland, Montana, Missouri, Pennsylvania, and Vermont. We offer a variety of advisory services and programs, which include financial planning, consulting, and investment management services. Before Continuum Advisory provides any of the advisory services mentioned, clients must first sign one or more written agreements with us. These agreements outline the specific terms and conditions of the advisory relationship ("Advisory Agreement"). Continuum Advisory was formed in February 2016 and is principally owned by Timothy S. Kerrigan, Brian J. Damiani, and Michael A. Kelly (hereafter, “Owners”). While this brochure generally describes the business of Continuum Advisory, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, owners, directors (or other persons occupying a similar status or performing similar functions), employees, or any other person who provides investment advice on our behalf and is subject to the Firm’s supervision and control. Financial Planning and Consulting Services We offer clients a broad range of financial planning and consulting services, which can include any or all the following functions:
• Business Planning
• Cash Flow Forecasting
• Trust and Estate Planning
• Financial Reporting
• Investment Consulting
• Insurance Planning
• Retirement Planning
• Risk Management
• Charitable Giving
• Distribution Planning
• Tax Planning
• Manager Due Diligence In performing these services, we are not required to verify any information received from clients or from other professionals the client has hired (e.g., attorneys, accountants, etc.,) and are expressly authorized to rely on such information. We can recommend clients engage us for additional related services from its Supervised Persons in their individual capacities as insurance agents, registered representatives of a broker/dealer, CPAs or tax preparers, attorneys (JD) and/or other professionals to implement recommendations. Clients are advised that a conflict of interest exists if clients engage us or our affiliates to provide additional services for compensation. Clients retain absolute discretion over all decisions regarding implementation of any recommendations and are under no obligation to act upon any of the recommendations made by us under a financial planning or consulting engagement. It is the client's responsibility to promptly notify us of any change in their financial situation or investment objectives to review, evaluate, or revise our recommendations and/or services. Continuum Advisory, LLC 5 Form ADV Part 2A Investment Management Services Continuum Advisory manages client investment portfolios on a discretionary basis. We will provide these services on a non-discretionary basis, if the client requests and upon our agreement. We primarily allocate client assets in accordance with their stated investment objectives among various exchange- traded products (“ETPs”), mutual funds, individual debt, and equity securities. When appropriate, client assets may be managed by one or more unaffiliated Third-Party Asset Managers (“TPAMs”) on a discretionary basis in accordance with clients’ stated investment objectives. Where appropriate, we can also provide advice about any type of legacy position or other investments held in a client portfolio. Clients can engage us to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as but not limited to variable life insurance, variable annuity contracts (e.g., fee-based variable annuities), and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, we direct or recommend the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company, or the custodian designated by the investment product’s provider. Please refer to Item 8 below for further information on the types of investments used by us, along with the associated risks. Continuum Advisory tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. We consult with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints, and other related factors relevant to the management of their portfolios. Clients must promptly notify us if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if we determine, in our sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to our management efforts. Amplify Platform We utilize the technology and the Sub-Advisory services of Amplify’s proprietary, automated, and computer algorithms (“Platform”) to provide certain administrative, technological, and back-office operational support services. Such services include, among other things, account reconciliation, fee calculation, billing and processing, client reporting, performance reporting, administration, and trading. In addition, our advisors can access Separately Managed Accounts (“SMAs”) and select one or more as a discretionary investment sub-adviser through the Platform. By doing so, your Advisor can allocate all or a portion of your underlying assets among the different approved SMA Managers available through the Platform. Continuum Advisory clients authorize us to engage Amplify for its platform and Sub-Advisory Services as described above. SMA Managers available through Amplify will perform discretionary investment management services and shall manage, invest, and reinvest client assets designated by our Advisors.

As such, a selected SMA Manager(s) shall be authorized, without prior consultation with the Firm or the underlying client, to buy, sell, trade, or allocate the designated client’s assets in accordance with the stated investment objectives as communicated by our Advisors. Continuum Advisory, LLC 6 Form ADV Part 2A Under this arrangement, our Advisors will retain responsibility for the underlying client relationship, including the initial and ongoing suitability determination and the designation of assets to be managed by an SMA Manager. Our Advisors also have full discretion to select or replace any SMA Manager and furnish information about the selection of SMA Manager to the client. They will also inform the SMA Manager(s) of any underlying client account guidelines and reasonable account restrictions. Please note: our Advisors are required to utilize the Amplify platform. Additional fees apply for choosing an SMA Manager(s). SMA Manager fees will vary depending on the manager(s) selected. Please refer to Item 5 for important information related to costs associated with the Amplify platform. Third-Party Asset Managers (TPAMs) When appropriate, based on the client’s stated investment objectives, guidelines, and restrictions, we can delegate or recommend the active discretionary management of all or part of a client’s assets in their managed account(s) to one or more TPAM. Access to TPAM relationships can be structured in two ways: in an advisory capacity or on a referral basis. When in an advisory capacity, your Advisor serves as a co- fiduciary alongside the TPAM. However, in the case of a referral basis, the primary fiduciary is the TPAM We evaluate a variety of information about TPAMs, which can include the TPAM’s public disclosure documents, materials supplied by the TPAMs and other third-party analyses we believe are reputable and appropriate. To the extent possible, we seek to assess each TPAM’s investment strategies, past performance, and risk results in relation to our clients’ individual portfolio allocations and risk exposure. We also take into consideration each TPAM’s management style, reputation, compliance standards, financial strength, reporting, pricing, and research capabilities, among other factors. TPAMs maintain discretionary authority over those assets allocated to them for management and they are authorized to buy, sell, and trade securities in accordance with the client’s investment objectives. Our fees might vary if our Advisors allocate a client's assets to one or more TPAM. In such cases, the client will need to sign a separate advisory agreement directly with the chosen TPAM, alongside the applicable agreement(s) they have with us. In some cases, Continuum Advisory and certain Advisors will receive a referral fee from the TPAM when an Advisor refers a client. Please refer to Item 14 below for further details. Continuum Advisory, LLC 7 Form ADV Part 2A Summary of Programs Available Through Continuum’s Advisors Amplify Platform Unified Managed Account (“UMA”) Third-Party Asset Managers (“TPAMs”) (i) (ii) (iii) Advisor Directed Investments Separately Managed Accounts (“SMA”) Co-Fiduciary Advice and Service Referral Fee Solicitors Agreement Advisor Managed Portfolios Continuum & Third-Party Managed Strategies Third-Party Advisory Relationships Third-Party Advisory Relationships Retirement Plan Consulting Services We provide various consulting services to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing, and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and can include any or all of the following services:
• Plan Design and Strategy
• Plan Review and Evaluation
• Executive Planning & Benefits
• Investment Selection
• Plan Fee and Cost Analysis
• Plan Committee Consultation
• Fiduciary and Compliance
• Participant Education As outlined in the Advisory Agreement, some of these services are offered by us as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended ("ERISA"). In compliance with ERISA Section 408(b)(2), each plan sponsor receives a written explanation of our fiduciary role, the services to be provided, and all expected direct and indirect compensation under the engagement. When offering investment advice concerning your retirement plan accounts or individual retirement accounts, we act as a fiduciary under Title I of the Employee Retirement Income Security Act and/or the applicable sections of the Internal Revenue Code, which govern retirement accounts. Although our revenue model may present some conflicts with your interests, we adhere to a special rule obligating us to prioritize your best interests and refrain from prioritizing our own. Under ERISA provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Continuum Advisory, LLC 8 Form ADV Part 2A Disclosure of Conflict of Interest As a fiduciary advisor providing services to both the retirement plan and individual participants, it's important to disclose potential conflicts of interest to ensure transparency and clarity in our relationship. This dual role may present a conflict of interest as the advisor’s fiduciary duty to the plan as a whole may sometimes differ from the interests of individual participants. For instance, decisions that benefit the plan overall may not always align perfectly with the specific needs or circumstances of certain participants. Assets Under Management As of December 31, 2023, the Firm managed $1,292,188,582.00 in discretionary assets and $0 in non- discretionary assets for total assets under management of $ $1,292,188,582.00.