Description of Advisory Firm MGO Private Wealth (the “Firm”) offers a variety of advisory services, which include financial planning, consulting, and investment management services. Prior to MGO Private Wealth rendering any of the foregoing services, clients are required to enter into one or more written agreements with MGO Private Wealth setting forth the relevant items and conditions of the advisory relationship (the “Advisory Agreement”). MGO Private Wealth has been registered as an investment adviser since July 2016 and is principally owned by MGO Group, LLC and Roman, LLC. Kevin O’Connell and Roberto Roman are the principal owners, respectively, of MGO Group, LLC and Roman, LLC. As of December 31, 2023, MGO Private Wealth’s assets under management totaled $287,522,130: $217,812,972 in discretionary assets; and $69,709,158 in non-discretionary assets. While this brochure generally describes the business of MGO Private Wealth, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or any other person who provides investment advice on MGO Private Wealth’s behalf and is subject to the Firm’s supervision or control. Advisory Services Offered MGO Private Wealth offers the following services to advisory clients: Financial Planning Services MGO Private Wealth offers clients a broad range of financial planning services, which may include any or all of the following functions:
• Retirement Planning
• Education Planning
• Trust and Estate Planning
• Cash Flow Planning
• Insurance Planning
• Tax Planning
• Investment Policy Statement Planning While each of these services is available on a stand-alone basis, certain of them may also be rendered in conjunction with investment portfolio management as part of a comprehensive wealth management engagement (described in more detail below). In performing these services, MGO Private Wealth is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. Clients retain absolute discretion over all decisions 5 MGO Private Wealth, LLC Disclosure Brochure Revised March 21, 2024 regarding implementation and are under no obligation to act upon any of the recommendations made by MGO Private Wealth under a financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising MGO Private Wealth’s recommendations and/or services. Investment and Wealth Management Services MGO Private Wealth manages client investment portfolios on a discretionary or non-discretionary basis. In addition, MGO Private Wealth may provide clients with wealth management services which may include a broad range of comprehensive financial planning services as well as discretionary and/or non-discretionary management of investment portfolios. MGO Private Wealth primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”), individual debt and equity securities, and independent investment managers (“Independent Managers”) in accordance with their stated investment objectives. In addition, MGO Private Wealth may also recommend that certain eligible clients invest in privately placed securities, which may include debt, equity and/or interests in pooled investment vehicles (e.g., hedge funds). Where appropriate, the Firm may also provide advice about any type of legacy position or other investment held in client portfolios. Clients may engage MGO Private Wealth to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e. 529 plans). In these situations, MGO Private Wealth directs or recommends 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 product’s provider. MGO Private Wealth 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. MGO Private Wealth consults 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 are advised to promptly notify MGO Private Wealth if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients may impose reasonable restrictions or mandates on the management of their accounts if MGO Private Wealth determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. 6 MGO Private Wealth, LLC Disclosure Brochure Revised March 21, 2024 Retirement Plan Consulting Services MGO Private Wealth provides various consulting services to qualified employee benefit plans and their fiduciaries. The suite of institutional services is designed to assist to plan sponsors in structuring, managing and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and may include any 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
• Participant Education Use of Independent Managers As mentioned above, MGO Private Wealth may select certain Independent Managers to actively manage a portion of its clients’ assets. The specific terms and conditions under which a client engages an Independent Manager may be set forth in a separate written agreement with the designated Independent Manager. In addition to this brochure, clients may also receive the written disclosure documents of the respective Independent Managers engaged to manage their assets. MGO Private Wealth evaluates a variety of information about Independent Managers, which may include the Independent Managers’ public disclosure documents, materials supplied by the Independent Managers themselves and other third-party analyses it believes are reputable. To the extent possible, the Firm seeks to assess the Independent Managers’ investment strategies, past performance and risk results in relation to its clients’ individual portfolio allocations and risk exposure. MGO Private Wealth also takes into consideration each Independent Manager’s management style, returns, reputation, financial strength, reporting, pricing and research capabilities, among other factors. MGO Private Wealth continues to provide services relative to the discretionary or non-discretionary selection of the Independent Managers. On an ongoing basis, the Firm monitors the performance of those accounts being managed by Independent Managers. MGO Private Wealth seeks to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. Sub-Advisor Relationship One of our independent managers is Betterment Securities. For our clients’ accounts that Betterment Securities maintains, Betterment Securities does not charge you separately for custody/brokerage services but is compensated as part of the Betterment for Advisors (defined below) platform fee, which is charged for a suite of platform services, including custody, brokerage, and sub-advisory services provided by Betterment and access to the Betterment for Advisors platform. The platform fee is an asset- based fee charged as a percentage of assets in your Betterment account. Clients utilizing the Betterment for Advisors platform may pay a higher aggregate fee than if the investment management, brokerage and 7 MGO Private Wealth, LLC Disclosure Brochure Revised March 21, 2024 other platform services are purchased separately. Nonetheless, for those Clients participating in the Betterment for Advisors platform, we have determined that having Betterment Securities execute trades is consistent with our duty to seek “best execution” of your trades. Best execution means the most financial planning services favorable terms for a transaction based on all relevant factors, including those listed above (see “How we select brokers/custodians”). Alternative Investments Based on the needs and objectives of the Client, the Advisor provides investment advice regarding unaffiliated alternative investments. The Advisor’s performs initial and ongoing due diligence on alternative investments, while also monitoring the investment. In certain instances, Advisory Persons may be entitled to an incentive fee for an investment into alternative investment or the Advisor may also be entitled to receive revenues for certain alternative investments where Client assets are invested, where the Advisor will furnish additional disclosures detailing the conflict of interest and how such conflict is mitigated. Clients are under no obligation to consider or make an investment in alternative investment[s].