Description of Firm korzo Financial LLC is a registered investment adviser based in Palo Alto, CA (“korzo”). We are organized as a limited liability company (“LLC”) under the laws of the State of DE. We have been providing investment advisory services since 01/01/2023. We are primarily owned by korzo Inc.
The following paragraphs describe our services and fees. 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 korzo Financial LLC and the words “you,” “your,” and “client” refer to you as either a client or prospective client of our firm.
Portfolio Management Services We offer discretionary portfolio management services through an interactive App that you download from the App store on your mobile device or through a link on our website that you can use on your computer. Once you have downloaded the App, you will be asked to enter information about your financial circumstances and objectives. The software will use the information provided to determine your current financial position and to define and quantify your long-term goals and objectives. Once the system has analyzed those long-term objectives (both financial and non-financial), it will assess and develop shorter-term, targeted objectives. These recommendations are designed to help you achieve your stated financial goals and objectives. Our investment advice is offered through our proprietary online platform and is tailored to meet our clients’ needs and investment objectives.
Our investment approach is informed by proprietary and non-proprietary technology deployed through artificial intelligence and machine learning technology platforms as part of our investment, research, and/or decision making process. We take that information and then apply our own vetting process to ensure the accuracy of the data.
As a part of our Portfolio Management Service, Clients may elect to have exposure to crypto assets based on their investment risk and financial parameters.
If you participate in our discretionary portfolio management services, we require you to grant us discretionary authority to manage your account.
Subject to a grant of discretionary authorization, we have the authority and responsibility to formulate investment strategies on your behalf.
Discretionary authorization will allow us to determine the specific securities, and the amount of securities, to be purchased or sold for your account without obtaining your approval prior to each transaction. We will also have discretion over the broker or dealer to be used for securities transactions in your account. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm, a power of attorney, or trading authorization forms.
You may limit our discretionary authority (for example, limiting the types of securities that can be purchased or sold for your account) by providing our firm with your restrictions and guidelines in writing through the App.
As part of our portfolio management services, in addition to other types of investments (see disclosures below in this section), we may invest your assets according to one or more model portfolios developed by our firm. korzo performs a suitability analysis in the form of a questionnaire in order to assess the risk tolerance level of a Client. Parameters extracted from the Client’s answers are used to determine the investment objectives. Factors taken into consideration when constructing the custom investment objective include the Client’s age, net worth, investment goals, time horizon, employment status, propensity for risk, and other

factors which are bespoke to the individual Clients situation or financial circumstances. Information from the suitability analysis is used to assign the Client to a model portfolio from one of the following categories:
• Capital preservation Income
• Growth income
• Growth
• Speculation
• Maximum growth
• Balanced These models are designed for investors with varying degrees of risk tolerance ranging from a more conservative investment approach to a more aggressive investment strategy. Capital preservation portfolios are classified as being on the lower end of the volatility spectrum with less potential upside (and downside during market downturns) relative to the maximum growth portfolios which are on the higher end of the volatility spectrum and conversely have both higher potential for upside (and downside during market downturns).
Clients should update their risk questionnaire if they have a change in their investment objectives or risk tolerance including any significant life events that may affect their investment objectives. When a Client has a change in any of these categories, it’s the Client’s responsibility to update their risk questionnaire. Based on these updates, the korzo application will update, reallocate, and rebalance a client’s portfolio accordingly.
Client’s have the option to opt into a different model portfolio which has been assigned to them based on the suitability analysis after they sign a consent acknowledging the decision and update their risk questionnaire accordingly. Clients should consult their tax advisor to understand the tax implications of switching from one model portfolio classification to another. Clients whose assets are invested in model portfolios may not set restrictions on the specific holdings or allocations within the model, nor the types of securities that can be purchased in the model. Nonetheless, clients may impose restrictions on investing in certain securities or types of securities in their account. In such cases, this may prevent a client from investing in certain models that are managed by our firm.
Chat with your Finances Clients that subscribe to our Portfolio Management Services also receive financial planning services and insights on their brokerage and banking transactions and investment data for accounts linked within the app. These insights are provided through the use of software and natural language processing via our Chat with your Finances service. Insights are provided to the user by digitally generated voice, video, and text through a chat interface.
Our Chat with your Finances service can also be purchased as a standalone service under a separate agreement. This arrangement does not include Portfolio Management Service or financial advice. Clients will receive insights into their brokerage or banking accounts they link within the application.
Types of Investments The types of investment generally included in portfolios recommended in the App include equity securities, options contracts on securities, options contracts on commodities, money market funds, derivatives, structured products, mutual funds, ETFs, leveraged ETFs and digital assets including crypto currencies. Additional types of investments may be recommended based on your stated goals and objectives.
Since the investment strategies and advice provided through the App are based on each client’s specific financial situation, the investment recommendations we provide to you may be different or conflicting with the advice we give to other clients regarding the same security or investment.
Assets Under Management As of December 31, 2023, we do not have any discretionary or non-discretionary assets under management.