Firm Information Wheelhouse Advisory Group, LLC (“Wheelhouse” or “Advisor”), is organized as a Limited Liability Company under the laws of the State of Missouri. Wheelhouse was founded in October of 2020, and is solely owned and operated by Rishi Ghosh, Managing Member. Advisory Services Offered Wheelhouse offers financial planning, investment management, and insurance products and services to individuals and families (each referred to as a “Client”) as further explained below. Wealth Planning Engagement Through its Wealth Planning engagement, Wheelhouse provides financial planning and investment management services for individuals and families, pursuant to a written Advisory Agreement. Services are customized to a client’s financial situation, their goals, and objectives. In general, clients will have regularly scheduled meetings during the term of the engagement depending on the client's individual situation and needs. In addition to scheduled meetings, additional face-to-face, e-mail and/or phone or internet-based consultations are provided. The financial planning services will address any or all of the following areas of concern:
• PERSONAL: Family records, budgeting, personal liability, estate information and financial goals.
• TAX & CASH FLOW: Income tax and spending analysis and planning for past, current and future years. Wheelhouse will illustrate the impact of various investments on a client’s current income tax and future tax liability.
• DEATH & DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis
• RETIREMENT: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals.
• INVESTMENTS: Analysis of investment alternatives and their effect on a client’s portfolio. Wheelhouse’s Wealth Planning engagement also includes ongoing investment management services and oversight to a client’s account held at an independent custodian. Wheelhouse works with each client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. For most clients, Wheelhouse will prepare a written Retirement Navigator outlining the strategies used to meet the client’s retirement goals. Clients authorize Wheelhouse with discretionary authority to implement the sale and/or purchase of securities in their account without prior client consent. Wheelhouse most often manages a portion of a client’s portfolio in accordance with one or more investment models developed internally. The determination to use a particular model is based on each client’s individual investment goals and objectives and is customized to their financial situation. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by Wheelhouse. Wheelhouse does not provide securities custodial services. At no time will Wheelhouse accept or maintain custody of a client’s funds or securities, except as to the authorized deduction of the Advisor’s fees. All client assets will be managed within their designated brokerage account or pension account held at an independent custodian. When Wheelhouse provides investment advice to a client regarding their retirement plan account or individual

retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act/and or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in the client’s best interest and not put our interest ahead of the clients. Insurance Products and Services Wheelhouse is a Missouri resident licensed business entity producer for insurance products and services. Rishi Ghosh, Wheelhouse’s Principal, and certain other investment adviser representatives, are also licensed insurance agents. In the course of providing advisory services to clients of Wheelhouse, Mr. Ghosh or other IAR’s may recommend the purchase of certain insurance-related products where they may be eligible for compensation if a client should purchase the recommended product. The recommendation by Mr. Ghosh or other IAR’s that a client purchase an insurance commission product presents a material conflict of interest, as the receipt of commissions does provide an incentive to recommend investment products based on commissions to be received, rather than on a particular client’s need. This conflict is mitigated by the fact that Wheelhouse and its Investment Adviser Representatives as fiduciaries must always act in the best interest of the client, including in the non-fiduciary sale of commissionable products to advisory clients and no client is under any obligation to purchase any commission products from Mr. Ghosh or other IAR’s. Clients may purchase investment products recommended by Wheelhouse through other, non-affiliated insurance agents. Advisory Agreements Prior to any engagement, each client is required to enter into an Advisory Services Agreement that defines the terms, conditions, authority and responsibilities of Wheelhouse and the Client. Any preliminary discussions or recommendations made before a written agreement is executed does not constitute investment advice and should not be relied upon as such. Termination of Agreements If a client does not receive a Disclosure Brochure at least 48 hours prior to entering into an advisory agreement, the client has a right to terminate the contract without penalty or fee within five business days after entering into the contract. Although Wheelhouse’s engagements contemplate an ongoing agreement, the length of service is at the client’s discretion. The client or Wheelhouse may terminate the agreement at any time by written notice to the other party upon thirty (30) days written notice. Wrap Fee Programs Wheelhouse does not manage or place client assets into a wrap fee program. Electronic Communications Client agrees to accept all future required regulatory notices and disclosures via electronic mail. Wheelhouse shall have completed all delivery requirements upon the forwarding of such document, disclosure, notice and/or correspondence to the client’s last provided email address specified by client. Client acknowledges possessing the technical ability and resources to receive electronic delivery and also acknowledges that electronic transmissions may not always be secure. Assets Under Management As of December 31, 2023, Wheelhouse had $180,924,060 of discretionary assets under management.