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 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, 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 limits its investment advice and/or money management 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. Bill Pay and Trustee Services Although not currently offered to existing clients, MYeCFO will offer bill pay and/or trustee services to clients for an additional fee, of which would be clearly outlined in the agreement with the client. 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 $186.2 Million as of 12/31/2023.