United Advisor Group, LLC (“UAG”) is a registered investment adviser based in Cincinnati, Ohio. The firm is a limited liability company (LLC) formed under the laws of the state of Delaware. UAG has been in business since 2022 with multiple office locations throughout the United States and Guam and applied to become a registered investment adviser in 2022. UAG is owned by UAG Enterprises, LLC which is a partnership owned by IARs of the firm. Ray Gettins serves as UAGs Chief Compliance Officer and Director. The following paragraphs describe our services. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we", "our" and "us" refer to UAG and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person throughout this brochure. As used in this brochure, our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm. Our firm focuses on providing Investment Management and Financial Planning strategies with each independent IAR choosing the strategies, services and products which are most appropriate for their unique client base. Types of Services Each of our IARs and Offices are independent and offer a unique combination of services tailored to their clients. The below services are a description of possible services which may be offered by advisors of our firm in any combination. Your advisor will discuss the services and products they will provide to you individually. Investment Management Model Portfolio Management One of the primary investment management services we offer is a discretionary asset management program. Clients participating in this program are generally placed in a model overseen by a financial professional at our firm. Under this program, UAG is authorized to buy and sell investments in your account without asking you in advance. We will monitor the portfolio's performance on an ongoing basis, unless otherwise agreed, and will make adjustments and reallocations as necessary due to changes in market conditions and your unique circumstances. We typically recommend one of our asset allocation models based on your risk tolerance, investment objectives, tax strategy and long-term financial goals. You must inform us of any changes to your financial circumstances, investment objectives or risk tolerance, or of any modifications or restrictions that are imposed on the management of your account(s). In this manner, our firm can better serve our clients' needs. Clients have the ability to impose reasonable restrictions and guidelines on investing in certain securities, types of securities, or industry sectors. We require all such restrictions to be timely communicated to us in writing. Client restrictions and guidelines could negatively affect investment performance. At our discretion we may offer non-discretionary investment management services which would require your authorization each time we enact a transaction in your account. These accounts are not traded with our model portfolios. Third-Party Managers We may recommend the use of third-party managers or sub-advisors to manage some or all of your assets. In such cases, the third-party money managers will be responsible for continuously monitoring client accounts and making trades in client accounts when necessary. While the chosen third-party money manager(s) will provide advice on specific securities and/or other investments in connection with this service, our firm has discretionary authority to hire and fire such managers

and reallocate assets among them as deemed appropriate. We will assist you with identifying your risk tolerance and investment objectives, and, in turn, retain third-party money managers in relation to your stated investment objectives and risk tolerance. As a result, we allocate a portion of the total fee charged and collected from you to the third-party money managers, if utilized, as compensation for their direct management of your account. When using third-party managers or sub-advisors you may be required to complete additional paperwork for those managers. Additionally, these accounts may participate in wrap programs sponsored by the chosen managers. Please review all disclosures provided by or about third-party managers or sub-advisors to ensure you understand what costs their wrap programs cover. Custom Traded Portfolios In some cases, your advisor may recommend a custom traded portfolio to you. In these accounts your advisor will manage your assets individually and not as part of a model portfolio. Custom traded portfolios do not typically participate in block trading or order aggregation and as such may receive different pricing on trade execution than for the same security traded in a block trade. Financial Planning Our advisors may offer a range of financial planning services. These include but are not limited to wholistic financial planning, investment planning, insurance planning, tax planning, college planning, trust and estate planning, and business consulting. The scope of services to be provided and the fees for these services will be memorialized in your UAG Financial Planning and Consulting Agreement with us. Retirement Planning We provide investment advice and financial planning for your retirement accounts and retirement plans. When we provide investment advice to you regarding your 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 your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: o Meet a professional standard of care when making investment recommendations (give prudent advice); o Never put our financial interests ahead of yours when making recommendations (give loyal advice); o Avoid misleading statements about conflicts of interest, fees, and investments; o Follow policies and procedures designed to ensure that we give advice that is in your best interest; o Charge no more than is reasonable for our services; and o Give you basic information about conflicts of interest. Financial Education We may provide financial education, coaching, and seminars to our clients and prospective clients on a variety of topics. This includes but is not limited to information regarding retirement planning, social security benefits, tax strategies, investment types or options and estate planning. Integration of Tax, Accounting, Legal, and Other Services Some of our advisors may also be accountants, tax, or legal professionals and recommend strategies or services to you in this separate capacity. Please refer to Item 10: Other Financial Industry Activities and Affiliations and Item 14: Client Referrals and Other Compensation for more information on these entities and services. Assets Under Management As of December 31, 2023 UAG had $570,674,254 in discretionary Assets Under Management (“AUM”) and $8,100,000 in non-discretionary AUM. Our reported AUM will be updated at least annually.