Firm Description Curio Wealth, LLC is a limited liability company formed in the State of Maryland in 2023. It currently operates under the name Curio Wealth (referred to below as Curio Wealth, Curio, us, our, or we) and has been registered with the U.S. Securities and Exchange Commission since October 2023. Principal Owners James S. Kantowski, Lyn Dippel, Jacob Sadler and Elizabeth Gillette are Curio Wealth’s principal owners. Types of Advisory Services Curio Wealth provides discretionary investment advisory services on a fee basis as discussed in Item 5 below. Curio's annual investment advisory fee shall include investment advisory services, and, to the extent specifically requested by the client, financial planning and consulting services. In the event that the client requires extraordinary planning and/or consultation services (to be determined in the sole discretion of Curio), Curio may determine to charge for such additional services, the dollar amount of which shall be set forth in a separate written notice to the client. To commence the investment advisory process, Curio will ascertain each client’s investment objective(s) and then allocate the client’s assets consistent with the client’s designated investment objective(s), financial goals, income needs, tax circumstances and risk tolerance. Once allocated, Curio provides ongoing supervision of the account(s). Before engaging Curio to provide investment advisory services, clients are required to enter into an Investment Advisory Agreement with Curio setting forth the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the fee that is due from the client. Clients may impose restrictions on investing in certain securities or types of securities. Curio Wealth also regularly furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, and estate planning. Curio Wealth provides personalized financial planning and discretionary investment management services to individuals, trusts, estates, and small businesses and non-discretionary investment management services to one client as an exception only. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. Investment advice is an integral part of financial planning. In addition, Curio Wealth advises clients regarding cash flow, college planning, retirement planning, tax planning and estate planning. A written evaluation of each client's initial situation is usually provided to the client, often in the form of a net worth statement. Periodic reviews are also communicated to provide reminders of the specific courses of action that require attention. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, insurance agents) are engaged directly by the client on an as-needed basis. Unless otherwise disclosed in this brochure, conflicts of interest will be disclosed to affected clients in the unlikely event they arise. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which financial planning and investment management may be beneficial to the client Financial Planning Agreement A financial plan is designed to help the client with all aspects of financial planning without ongoing investment management after the financial plan is completed. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice is provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. Please Note: Planning Limitations. Registrant believes that it is important for the client to address financial planning issues on an ongoing basis. Registrant’s advisory fee, as set forth at Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with Registrant. It remains each client’s responsibility to promptly notify Registrant if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Advisory Service Agreement Most clients choose to have Curio Wealth manage their assets in order to obtain ongoing in-depth advice and life planning. All aspects of the client’s financial affairs are reviewed, including those of their minor children, upon request. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fees for an Advisory Service Agreement is provided to the client in writing prior to the start of the relationship. An Advisory Service Agreement generally includes: cash flow management; insurance review; investment management (including performance reporting); education planning; retirement planning; estate planning; and tax planning, as well as the implementation of recommendations within each area. Although the Advisory Service Agreement is an ongoing agreement and constant adjustments are required, the length of service to the client is at the client’s discretion. Asset Management Assets are invested primarily in no-load mutual funds and exchange-traded funds (ETFs), usually through discount brokers. Shareholders of mutual funds and ETFs are indirectly responsible for the payment of the fees and expenses of these investments, which include investment management fees that are disclosed in each fund’s prospectus. Broker-dealers may also charge a transaction fee for the purchase of some funds. Stocks and bonds may be purchased or sold through a brokerage account when appropriate. The brokerage firm may charge fees for certain stock and bond trades. Curio Wealth does not receive any compensation, in any form, from fund companies. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U.S. government securities, and interests in partnerships. Initial public offerings (IPOs) are not available through Curio Wealth. ERISA PLAN and 401(k) INDIVIDUAL ENGAGEMENTS Trustee Directed Plans. Curio may be engaged to provide discretionary investment advisory services to ERISA retirement plans, whereby the Firm shall manage Plan assets consistent with the investment objective designated by the Plan trustees. In such engagements, Curio will serve as an investment fiduciary as that term is defined under The Employee Retirement Income Security Act of 1974 (“ERISA”). Curio will generally provide services on an “assets under management” fee basis per the terms and conditions of an Investment Advisory Agreement between the Plan and the Firm. Participant Directed Retirement Plans. Curio may also provide investment advisory and consulting services to participant directed retirement plans per the terms and conditions of a Retirement Plan Services Agreement between Curio and the plan. For such engagements, Curio shall assist the Plan sponsor with the selection of an investment platform from which Plan participants shall make their respective investment choices (which may include investment strategies devised and managed by Curio), and, to the extent engaged to do so, may also provide corresponding education to assist the participants with their decision-making process. Client Retirement Plan Assets. If requested to do so, Curio shall provide investment advisory services relative to 401(k) plan assets maintained by the client in conjunction with the retirement plan established by the client’s employer. In such event, Curio shall allocate (or recommend that the client allocate) the retirement account assets among the investment options available on the 401(k) platform. Curio’s ability shall be limited to the allocation of the assets among the investment alternatives available through the plan. Curio will not receive any communications from the plan sponsor or custodian, and it shall remain the client’s exclusive obligation to notify Curio of any changes in investment alternatives, restrictions, etc. pertaining to the retirement account. Unless expressly indicated by the Curio to the contrary, in writing, the client’s 401(k) plan assets shall be included as assets under management for purposes of Curio calculating its advisory fee. Please Note: Non-Discretionary Service Limitations. Curio offers discretionary and non-discretionary investment management services. Non-discretionary clients must accept that Curio cannot effect any account transactions without obtaining prior consent to any such transaction(s) from the client. Thus, in the event that Curio would like to make a transaction for the client’s account, and client is unavailable, Curio will be unable to effect the account transaction (as it would for its discretionary clients) without first obtaining the client’s consent. Miscellaneous Limitations of Financial Planning and Non-Investment Consulting/ Implementation Services. To the extent requested by the client, Curio will generally provide financial planning and related consulting services regarding non- investment related matters, such as tax and estate planning, insurance, etc. Curio will generally provide such consulting services inclusive of its advisory fee set forth at Item 5 below (exceptions could occur based upon assets under management, special projects, stand-alone planning engagements, etc. for which Firm may charge a separate or additional fee). Please Note. Curio believes that it is important for the client to address financial planning issues on an ongoing basis. Curio’s advisory fee, as set forth at Item 5 below, will remain the same regardless of whether or not the client determines to address financial planning issues with Curio. Please Also Note: Curio does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, Curio does not prepare legal documents, prepare tax returns, or sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purpose (i.e., attorneys, accountants, insurance, etc.), including our affiliated firm, JSK Tax Strategies (“JSK”) for tax preparation services. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Curio and/or its representatives. If the client engages any professional (i.e., attorney, accountant, insurance agent, etc.), recommended or otherwise, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from the engaged professional. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, etc.), and not Curio, shall be responsible for the quality and competency of the services provided. If a client determines to engage JSK, he/she

does so per the terms and conditions of a separate written agreement between JSK and the client, to which Curio is not a party. There is no fee-sharing arrangement between the JSK and Curio. The recommendation by a Curio representative that a client engage JSK for tax preparation services, presents a conflict of interest because Curio’s affiliate will derive additional compensation from such engagement. No client or prospective client is obligated to engage JSK. Curio will work with the tax professional of the client’s choosing. Retirement Plan Rollovers. A client or prospective client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) roll over to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). If Curio recommends that a client roll over their retirement plan assets into an account to be managed by Curio, such a recommendation creates a conflict of interest if Curio will earn a new (or increase its current) advisory fee as a result of the rollover. Whether Curio provides a recommendation as to whether a client should engage in a rollover or not, Curio is acting as a fiduciary 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. No client is under any obligation to roll over retirement plan assets to an account managed by Curio. Curio’s, Chief Compliance Officer, Lyn Dippel, remains available to address any questions that a client or prospective client may have regarding the conflicts of interest presented by such rollover recommendation. Please Note-Use of Mutual and Exchange Traded Funds: Curio utilizes mutual funds and exchange traded funds for its client portfolios. In addition to Curio’s investment advisory fee described below, and transaction and/or custodial fees discussed below, clients will also incur, relative to all mutual fund and exchange traded fund purchases, charges imposed at the fund level (e.g. management fees and other fund expenses). Please Note-Use of DFA Mutual Funds: Curio utilizes the mutual funds issued by Dimensional Fund Advisors (“DFA”). DFA funds are generally only available through registered investment advisers approved by DFA. Thus, if the client was to terminate Curio’ services, and transition to another adviser who has not been approved by DFA to utilize DFA funds, restrictions regarding additional purchases of, or reallocation among other DFA funds, will generally apply. ANY QUESTIONS: Curio’s Chief Compliance Officer, Lyn Dippel, remains available to address any questions that a client or prospective client may have regarding the above. Socially Responsible Investing Limitations. Socially Responsible Investing involves the incorporation of Environmental, Social and Governance considerations into the investment due diligence process (“ESG”). There are potential limitations associated with allocating a portion of an investment portfolio in ESG securities (i.e., securities that have a mandate to avoid, when possible, investments in such products as alcohol, tobacco, firearms, oil drilling, gambling, etc.). The number of these securities may be limited when compared to those that do not maintain such a mandate. ESG securities could underperform broad market indices. Investors must accept these limitations, including potential for underperformance. Correspondingly, the number of ESG mutual funds and exchange traded funds are few when compared to those that do not maintain such a mandate. As with any type of investment (including any investment and/or investment strategies recommended and/or undertaken by Registrant), there can be no assurance that investment in ESG securities or funds will be profitable or prove successful. The Registrant does not maintain or advocate an ESG investment strategy but will seek to employ ESG if directed by a client to do so. Portfolio Activity. Curio has a fiduciary duty to provide services consistent with the client’s best interest. As part of its investment advisory services, we will review client portfolios on an ongoing basis to determine if any changes are necessary based upon various factors, including, but not limited to, investment performance, fund manager tenure, style drift, account additions/withdrawals, and/or a change in the client’s investment objective. Based upon these factors, there may be extended periods of time when we determine that changes to a client’s portfolio are neither necessary nor prudent. Of course, as indicated below, there can be no assurance that investment decisions made by Curio will be profitable or equal any specific performance level(s). Clients nonetheless remain subject to the fees described in Item 5 below during periods of account inactivity. Client Obligations. In performing its services, Curio shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. It remains the client’s responsibility to promptly notify us if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Curio’s previous recommendations and/or services. Reporting Services. Curio can also provide account reporting services, via Tamarac, which can incorporate client investment assets that are not part of the assets that Curio manages (the “Excluded Assets”). Unless agreed to otherwise, the client and/or his/her/its other advisors that maintain trading authority, and not Curio, shall be exclusively responsible for the investment performance of the Excluded Assets. Unless also agreed to otherwise, Curio does not provide investment management, monitoring or implementation services for the Excluded Assets. If Curio is asked to make a recommendation as to any Excluded Assets, the client is under absolutely no obligation to accept the recommendation, and Curio shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. The client can engage Curio to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Investment Advisory Agreement between Curio and the client. Disclosure Statement. A copy of Curio’s written Privacy Notice, Form CRS and Disclosure Brochure and Brochure Supplement, as set forth on Parts 2A and 2B of Form ADV, shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Advisory Agreement or Financial Planning and Consulting Agreement. Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Curio) will be profitable or equal any specific performance level(s). Cash Sweep Accounts. Account custodians generally require that cash proceeds from account transactions or cash deposits be swept into and/or initially maintained in the custodian’s sweep account. The yield on the sweep account is generally lower than those available in money market accounts. To help mitigate this issue, Registrant shall generally purchase a higher yielding money market fund available on the custodian’s platform with cash proceeds or deposits, unless Registrant reasonably anticipates that it will utilize the cash proceeds during the subsequent 30-day period to purchase additional investments for the client’s account. Exceptions and/or modifications can and will occur with respect to all or a portion of the cash balances for various reasons, including, but not limited to, the amount of dispersion between the sweep account and a money market fund, an indication from the client of an imminent need for such cash, or the client has a demonstrated history of writing checks from the account. ANY QUESTIONS: Registrant’s Chief Compliance Officer, Lyn Dippel, remains available to address any questions that a client or prospective client may have regarding the above. Other Assets. To the extent that the Registrant provides advisory monitoring or review services for client investment assets for which the Registrant does not maintain custodian access or trading authority (including initial and ongoing consideration of such assets as part of the client’s asset allocation), the registrant may determine to include such assets in its advisory fee calculation per Item 5 below. WE DON’T RECOMMEND Cryptocurrency: For clients who want exposure to cryptocurrencies, including Bitcoin, the Registrant, will advise the client to consider a potential investment in corresponding exchange traded securities, or an allocation to separate account managers and/or private funds that provide cryptocurrency exposure. Crypto is a digital currency that can be used to buy goods and services but uses an online ledger with strong cryptography (i.e., a method of protecting information and communications through the use of codes) to secure online transactions. Unlike conventional currencies issued by a monetary authority, cryptocurrencies are generally not controlled or regulated, and their price is determined by the supply and demand of their market. Because cryptocurrency is currently considered to be a speculative investment, the Registrant will not exercise discretionary authority to purchase a cryptocurrency investment for client accounts. Rather, a client must expressly authorize the purchase of the cryptocurrency investment. Please Note: The Registrant does not recommend or advocate the purchase of, or investment in, cryptocurrencies. The Registrant considers such an investment to be speculative. Please Also Note: Clients who authorize the purchase of a cryptocurrency investment must be prepared for the potential for liquidity constraints, extreme price volatility and complete loss of principal. Cybersecurity Risk. The information technology systems and networks that Registrant and its third-party service providers use to provide services to Registrant’s clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in Registrant’s operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and Registrant are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although Registrant has established its systems to reduce the risk of cybersecurity incidents from coming to fruition, there is no guarantee that these efforts will always be successful, especially considering that Registrant does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. Curio Wealth does not participate in a wrap fee program. As of October 1, 2023, Curio Wealth managed approximately $0 in assets under management on a discretionary basis and $0 in assets under management on a non-discretionary basis.