About Our Firm In uncertain and turbulent economic Umes with ever-changing investment rules and regulaUons, consumers need trusted advice they can count on. An unpredictable economy and so many financial choices can be overwhelming – almost to the point of inacUon. With Merit Financial Partners, you have an advocate. Someone who is on your side and who seeks to understand what you need and make it a reality. Merit Financial Partners, LLC is a New York based firm registered as an investment advisor with the SecuriUes and Exchange Commission (SEC). The Firm is the result of the merger of MTP Advisors (established in 2006) and Cox Financial Services (established 2009). Mr. Michael Terry and Ms. Elizabeth Cox are co- owners of Merit Financial Partners, LLC. Mr. Terry is Chief Compliance Officer. Merit Financial Partners provides fee-only financial planning and investment consultaUon and management services for individuals, trusts, estates, and other business enUUes. “Fee-only” means that we do not sell any financial products; we sell only our advice and services. This is different from other “advisors” in that we do not receive commissions or referral fees, nor do we offer percentage-of-asset fees for new engagements. This helps us remove conflicts of interests and align incenUves to provide you with the best financial advice and management services to meet your objecUves. In other words, we can give you the financial advice you seek, free from sales pressure. We succeed when you succeed/our success is directly Ued to your success (w/IM). We hold ourselves to a fiduciary standard, which means our firm and its associates will act in the utmost good faith and perform in a manner believed to be in the best interest of our clients. As investment advisors we are required to put you – the client – first. This sets us apart from other firms that may be held to a, perhaps lesser, suitability standard and may not be required under current regulaUon to disclose their conflicts of interest involving their clients’ (or their own) transacUons. Our service offerings are wide-ranging to meet client needs. Approximately 80% of our firm's advisory acUviUes involve conUnuous supervision and management of our clients' assets. When combined with financial planning, we describe this service as wealth management. As of December 31, 2023, the firm had approximately $264.4 million account assets under its management. The remaining 20% of our services is oriented toward financial 1 planning services involving expense budgeUng and savings; educaUon, insurance, reUrement and tax planning, divorce financial analysis, college financial aid planning and other planning services. Our Services Merit Financial Partners conducts an introductory interview with each prospecUve client; we call this our “IniUal ConsultaUon.” During our IniUal ConsultaUon, we learn about your goals and current financial situaUon. We also discuss our approach to financial advising and detail related services, highlighUng which service or services might meet your goals and the associated cost. This meeUng also provides you with an opportunity to ask us any quesUons you may have to assess if our firm is a good fit for your needs. During or prior to the IniUal ConsultaUon, we provide each prospecUve client with a current ADV Part 2 Brochure (the document you’re reading now) as well as our Privacy Policy. Should you wish to engage MFP’s services, you (the client) and we (the firm) must enter into a wriZen agreement. Once we have signed an agreement, we will obtain addiUonal informaUon such as financial statements and similar documents from you or from anyone else you tell us is legally acceptable (e.g., another advisor, legal counsel, etc.). The term “assets under management” and rounding to the nearest $100,000 are as defined by the SEC’s 2010 General InstrucUons 1 for Part 2 of Form ADV.
Form ADV Part 2 – May 2024 Page of 436 We may request this informaUon through further discussions, quesUonnaires, etc. to help us create a detailed financial portrait based on your financial needs, goals, and objecUves to best serve you. Our financial advice and/or financial plans are based upon the informaUon disclosed by you or your legal agent(s) and reflect your financial situaUon at the Ume the advice and/or plan is presented. Financial Planning Services The firm provides financial planning and investment consultaUon services, which may be either broad based or more narrowly focused, depending on your needs and wishes. Advice is rendered in the areas of cash flow and debt management, college funding, reUrement planning, reUrement benefits planning, estate planning, income real estate planning, tax planning, asset allocaUon and investment selecUon, property and casualty insurance, life and disability insurance, health insurance and long-term care insurance, and other specific needs as indicated by the client. If you request that we focus our financial planning and investment consultaUon services only on certain areas, please understand that your overall financial situaUon or needs may not be fully addressed due to the limitaUons you have established. We require financial planning clients to furnish certain records and documents for our review, which may include:
• tax returns
• current financial specifics including W2s or 1099s
• information on current retirement plans and insurance provided by the client’s employer
• mortgage informaUon
• insurance policies
• statements reflecting current investments in your retirement and non-reUrement accounts
• copies of wills and trusts
• other perUnent documents Our thorough review of these documents, combined with informaUon we obtained during an iniUal interview, will provide a comprehensive view of your current financial situaUon. Aqer understanding where you currently are, we can then assess the feasibility of and strategies to reach your stated objecUves given crucial factors such as your Ume horizon and risk tolerance, which is your ability to live comfortably with risk in associaUon with invesUng. This analysis will use your current financial situaUon as a baseline and incorporate analysis and future projecUons of alternaUve possible scenarios, as appropriate. We will then present our analysis and a wriZen summary of the significant observaUons, assumpUons, and recommendaUons in each area in which we were engaged to provide advice. For more broad-based planning, your engagement may include investment consultaUon services as described in the following secUon. You will retain full discreUon over all implementaUon decisions and are free to accept or reject any recommendaUon we make. Further, it remains your responsibility to promptly noUfy us if there is any change in your financial situaUon or investment objecUves for the purpose of our review, evaluaUon, or revision of previous recommendaUons and/or services. Form ADV Part 2 – May 2024 Page of 536 Investment ConsultaLon Services Our investment consultaUon services may involve providing informaUon on the types of investment vehicles available; investment

analysis and strategies, asset selecUon, as well as assisUng you in establishing your own investment account at a selected broker/dealer or custodian of your choosing. These services may be engaged as part of a defined consultaUon package, on an hourly basis, or as a customized service offering designed to meet a client’s unique needs. Financial Planning and Investment ConsultaLon Packages MERIT FINANCIAL PARTNERS, LLC offers several packages designed to meet some of the more common needs and objecUves our clients may have. These packages are as follows: Comprehensive Financial Plan: A look at mulUple aspects of your financial health: cash flow/saving assessment, debt management, investment planning, college planning, income tax planning, real estate assessment including income property, insurance planning, estate planning, & reUrement planning. With a comprehensive financial plan you will feel more confident about your financial decision-making, save more money and feel beZer about your progress in saving toward financial goals. This package benefits people at all income levels and at any stage of their lives. ReLrement Roadmap: In this process we determine the reUrement income goals and the acUons and decisions necessary to achieve those goals. This includes idenUfying sources of income, esUmaUng expenses, implemenUng a savings program and managing assets. Future cash flows are esUmated to determine if the reUrement income goal will be achieved. Do you want to know what you need to do to reUre when you want, how you want? Our reUrement planning process is for those planning to reUre within 5-15 years. This opUon provides an in-depth review of your current financial standing and your reUrement objecUves. The process includes: current net worth statement, current and long-term cash flow projecUons, review of your current investment portolio, and reUrement capital needs analysis. The BoOom Line Planning Package: This package includes a two-hour collaboraUve working session augmented by addiUonal behind-the-scenes preparaUon, analysis, and documentaUon, culminaUng in the delivery of a limited-scope financial acUon plan. The total advisory Ume included in this opUon is three hours. Your key quesUons and concerns are addressed in Ume- and cost-efficient manner. These quesUons might include the following: BudgeUng, Debt Repayment and Refinancing, Savings Plans, Financial Goal Seung, ReUrement Resource EvaluaUon, Insurance Needs Analysis, Portolio DiversificaUon and Investment SelecUon, Tax Planning and Tax Efficient Investment Strategies, ReUrement Plan Decisions, and Inheritance proceeds Decisions. Form ADV Part 2 – May 2024 Page of 636 Ongoing Advisory Services Aqer we have completed a financial plan together, you have the opUon to conUnue with Merit Financial Partners on an ongoing basis. Ongoing Advisory Service Includes:
•An annual review meeUng to update your financial plan and review your asset allocaUon.
•Financial advice on an ad hoc basis via phone calls and emails.
•Help when you need it, whether it’s buying a car or refinancing your mortgage. You can contact us whenever you have a quesUon related to your personal finances. No extra charge!
•Quarterly investment/market newsleZer.
•Access to a secure client portal where your financial plan is safely stored and accessible. You can also upload other important financial, estate and tax documents to your secure portal which you can electronically access at any Ume. Other Services Divorce Financial Analysis and Planning Services Our firm may be engaged to provide financial analysis and planning in maZers involving divorce. Such services are for our client and their selected aZorney. At no Ume is this engagement to be considered providing legal advice involving the maZer of marital dissoluUon, and clients are encouraged to obtain legal and accounUng services from an accredited professional source to review our work product and/or implement our recommendaUons. Investment Management Services You may also choose to engage our firm to implement the investment strategies we have recommended. Your portolio is constructed in accordance with the goals idenUfied during your financial planning process and relies upon an asset allocaUon strategy designed with those goals in mind. Holdings allocated in the investment portolio are managed with a minimum investment horizon of three years. If your funds are required within a shorter Ume frame, they will be invested in accordance with your “drawdown horizon.” We employ acUve or passive investment strategies deemed appropriate for the individual investor, which are described in further detail in Item 8 of this brochure. We provide these services under an investment advisory agreement (defined in Item 16). Portolio goals may range from current income with capital preservaUon to long-term growth and those offered by our firm are believed to be well diversified to minimize sector, industry, and other market risks. Stocks, bonds, mutual funds, index funds, closed-end funds, and other publicly traded securiUes may be used to achieve this mix. Whenever pracUcal, we will assist in preparing an investment policy statement (IPS), or similar document, reflecUng our client's investment objecUves, Ume horizon, risk tolerance, as well as policy or investment constraints. The IPS will be designed to be specific enough to provide ongoing guidance while concurrently allowing flexibility to respond to changing market condiUons. Since the IPS will to a large extent be a product of informaUon and data provided by our clients, they will be responsible for review and final approval of the statement. General InformaUon We do not sponsor or serve as portolio manager for a wrap- fee investment program, nor do we provide legal or Form ADV Part 2 – May 2024 Page of 736 accounUng services. With your consent, we may work with your aZorney or accountant to assist with the coordinaUon and implementaUon of accepted strategies. You should be aware that these advisors may bill you separately for services and these fees will be in addiUon to those of our firm. Our firm will use its best judgment and good faith effort in rendering its services. MERIT FINANCIAL PARTNERS, LLC cannot warrant or guarantee any parUcular level of account performance, or that an account will be profitable over Ume. Past performance is not necessarily indicaUve of future results. Except as may otherwise be provided by law, our firm will not be liable to the client, heirs, or assignees for any loss an account may suffer by reason of an investment decision made or other acUon taken or omiZed in good faith by our firm with that degree of care, skill, prudence, and diligence under the circumstances that a prudent person acUng in a fiduciary capacity would use; any loss arising from our adherence to your direcUon or that of your legal agent; or any act or failure to act by a service provider maintaining an account. Notwithstanding the preceding statement, nothing within our client agreement is intended to diminish in any way our fiduciary obligaUon to act in your best interest or in any way limit or waive your rights under federal or state securiUes laws or the rules promulgated pursuant to those laws.