Cerda Munoz Advisors, Inc. (CMA) is a Registered Investment Adviser with its principal place of business located in Downey California and founded on December 24, 2013. Registration does not imply a certain degree of skill or training. CMA’s principal shareholders are Hilberto Cerda and Aaron Munoz. CMA offers the following advisory services to clients: INVESTMENT MANAGEMENT SERVICES: Clients can engage CMA to provide continues management of investment portfolios on a Discretionary and Non-Discretionary basis. Based on a client’s goals, objectives, time frame and risk tolerance, CMA will develop an investment portfolio that will target client’s needs. CMA will implement the investment portfolio using Mutual Funds, ETF’s, Stocks, Government and Corporate Bonds, REIT’s and Cash instruments. While there are a limited number of asset classes, clients may impose restrictions on certain types of asset classes. CMA may recommend that clients allocate a portion of their assets among unaffiliated investment managers which shall be responsible for the discretionary management of clients’ allocated assets. However, CMA shall continue to monitor and review client’s account performance, asset allocation and investment objectives. We also consider the management style, reputation, financial strength, reporting capabilities, pricing and other available information to determine the proper investment manager for clients. CMA will complete the necessary documentation and communicate the investment allocation. As of December 2023, CMA had $ 94,366,999.00 on a non-discretionary basis and $ 73,433,792.00 on discretionary assets under management. CMA will review client accounts as often as needed and consult with clients regarding their asset allocation and investment performance according to their goals. CMA does not participate in wrap- fee programs. FINANCIAL PLANNING AND FINANCIAL ADVICE SERVICES: CMA provides custom tailored consulting services in connection with personal financial matters. Areas of service Include:
• General Financial Advice
• Cash Flow Planning
• Tax planning
• Investment Planning
• Retirement Planning
• Insurance Planning
• Long Term Care Planning
• Estate Planning CMA will request financial documents such as Budget, Paystubs, Personal tax returns, Investment statements, Pension statements, Life, Disability, Health, Auto and Homeowner’s Insurance Policies, Trust, Wills and Durable power of attorneys. Clients are under no obligation to act on the investment adviser’s recommendations. In addition, if the client elects to act on any of the recommendations, the client is under no obligation to effect the transactions through the investment adviser. Retirement

Rollovers- Conflict of Interest: A Client leaving an employer typically has four options: 1. Leave the money in his former employer’s plan, if permitted. 2. Rollover the assets to his new employer’s plan if one if available and rollovers are permitted. 3. Rollover to an IRA. 4. Cash out the account value (which could have tax consequences). CMA may recommend an investor to rollover over retirement plan assets to an Individual retirement Account (IRA) managed by CMA. As a result, CMA and its representatives may earn assets under management fees. In contrast, a recommendation that a client or prospective client leave his/her retirement plan assets with his/her old employer or roll the assets to a plan sponsored by a new employer will generally result in no compensation to CMA. CMA may have an economic incentive to encourage an investor to rollover the retirement plan assets into an IRA managed by CMA. CMA will consider several factors before recommending a rollover including but not limited to: 1. Investment options available in the plan versus the investment options available in the IRA. 2. Fees and Expenses in the plan versus the fees and expense in an IRA. 3. The Services offered by CMA versus the plan’s investment professionals services. 4. Protection of Assets from credits and legal judgments. 5. Requirement Minimum Distributions and age considerations. 6. Employer stock tax consequences, if any. No client is under any obligation to rollover retirement plan assets to an IRA managed ty CMA or to engage CMA to monitor and/or manage the account while maintained at the employer. CMA’s Chief Compliance Office, Aaron Munoz, is available to address any questions that a client or prospective client may have corresponding the conflict of interest presented by such engagement. BUSINESS CONTINUITY: Cerda Munoz Advisors, Inc. believes on its fiduciary obligations and therefore, has taken the necessary steps to ensure the continuity of the business in the event of an emergency and death or incapacitation of any of its representatives. We incorporated our firm to make the firm a separate entity totally independent of its owners with its own bylaws and operating agreements. We have policy manuals and record keeping activities checklist that anyone can follow in the event of an emergency. This checklist shows the areas where records are kept and the retrieval mechanisms. Our business continuity plan includes the names and contact information of the principals and alternate locations where representatives would meet in case of an emergency. In addition, we back up our documents daily and we have remote access to any document. Since we don’t hold physical custody of clients’ assets, each client will continue to have access to their accounts through their custodian.