Crux Wealth Advisors is a registered investment adviser offering financial planning and asset management services to clients. Crux Wealth Advisors has been in business since 2016, and its principal owner is Travis Alexander. At Crux Wealth Advisors we believe in a process-driven approach to investment management. Our strategies rely on a structured and repeatable process the combines qualitative screening with in-depth qualitative research. This Wrap Fee Program Brochure is designed to provide detailed and clear information relating to each item noted in the table of contents. Certain disclosures are repeated in one or more items, and/or other items are referred to in an effort to be as comprehensive as possible on the broad subject matters discussed. Within this Brochure, certain terms in either upper- or lowercase are used as follows:  “We,” “us,” and “our” refer to Crux Wealth Advisors.  “Advisor” refers to persons who provide investment recommendations or advice on behalf of Crux Wealth Advisors.  “You,” “yours,” and “client” refer to clients of Crux Wealth Advisors and its advisors. Commonwealth Financial Network (hereinafter “Commonwealth”) of Waltham, Massachusetts, a FINRA- registered broker/dealer and SEC-registered investment adviser will be referenced throughout this brochure. We offer asset management services through a wrap-fee management program. Our wrap-fee management program enables Crux Wealth Advisors to assist clients in developing a personalized investment portfolio using one or more investment types, including, but not limited to, stocks, bonds, mutual funds, ETFs, unit investment trusts (“UITs”), variable and fixed-indexed annuities, and alternative investments. Investment Advisor Representatives (“IARs) of Crux Wealth Advisors typically act as portfolio manager, with full investment discretion, though clients may elect to have the advisor manage an account on a nondiscretionary basis. The account will be tailored to the particular needs of the client and may consist of a mix of asset classes and weightings based on risk profile, investment objective, and individual preferences. The client will have the opportunity to periodically meet with the advisor to review the account. The account may be rebalanced at any time, pursuant to the discretion granted, to maintain the chosen asset allocation. The account may also be reallocated as necessary when warranted by market conditions or changes in the client risk profile, investment objective, or other relevant circumstances. Clients participating in the Crux Wealth Advisor asset management programs will pay a total asset management fee that consists of a combination of a management fee, which is negotiable, and a platform fee. Crux Wealth Advisors covers the cost of the platform fee for all clients. Commonwealth and the advisor will share in the management fee. Commonwealth retains the platform fee, a portion of which Commonwealth uses to offset custody and clearing costs and annual maintenance fee charges. Block Trading Policy Crux Wealth Advisors may aggregate (“bunch”) transactions in the same security on behalf of more than one client in an effort to strive for best execution and to possibly reduce the price per share. However, aggregated or bunched orders will not reduce the transaction costs to participating clients. Typically, the process of aggregating client orders is done in order to achieve better execution, to negotiate more favorable commission rates or to allocate orders among clients on a more equitable basis in order to avoid differences in prices and transaction fees or other transaction costs that might be obtained when orders are placed independently. Crux Wealth Advisors conducts aggregated transactions in a manner designed to ensure that no participating client is favored over another client. Participating clients will obtain the average share price per share for the security executed that day. To the extent the aggregated order is not filled in its entirety and when possible, securities purchased or sold in an aggregated transaction will be allocated pro-rata to the participating client accounts in proportion to the size of the orders placed for each account. The amount of securities maybe increased or decreased to avoid holding odd-lot or a small number of shares for particular clients. It should be noted, Crux Wealth Advisors does not receive any additional compensation or remuneration as a result of aggregation. Advisory clients purchase funds at net asset value. Suitability and Investment Strategy Crux Wealth Advisors will assist clients in determining their objective(s), investment strategy, and investment suitability, prior and subsequent to opening an asset management account. Clients must contact us to notify of any changes in their investment objective(s) and/or financial situation. Investment strategies used to implement investment advice include, but are not necessarily limited to, long term purchases (securities held at least a year); short term purchases (securities sold within a year); trading (securities sold within 30 days); and option writing, including covered options, uncovered options or spread strategies. Termination of Services We or you may terminate management services at any time. Services will be terminated without penalty and any fees owed will be refunded to you. In the event you terminate services, termination shall be effective from the time we receive written notification, or such other time as may be mutually agreed upon, subject to the settlement of transactions in process and the final payment of advisory fees. There will be no penalty charged upon termination. In the event we terminate the relationship, the agreement will be terminated upon notice to you with any verbal notice confirmed by a written termination notice or such time as may be mutually agreed upon, also subject to the settlement of transactions in progress and the final payment of advisory fees. Other Fees and Costs Commonwealth assesses confirmation fees to clients to offset the asset-based fees it pays to its clearing broker/dealer

and to generate additional revenue for Commonwealth. In addition to the charges noted above, clients incur certain charges in connection with certain investments, transactions, and services in your account. In many cases, Commonwealth will receive a portion of these fees and charges or add a markup to the charge’s clients would otherwise pay to generate additional revenue for Commonwealth. The actual fees and charges that clients will incur are dependent upon the type of account and the nature and quantity of the transactions that occur, the services that are provided, or the positions that are held in the account. Additional fees and charges that clients will typically pay include, but are not limited to:
• Mutual fund or money market 12b-1 fees, subtransfer agent fees, and distributor fees
• Mutual fund and ETF money market management fees and administrative expenses
• Mutual fund transaction and redemption fees
• Certain deferred sales charges on mutual funds purchased or transferred into the account
• Other transaction charges and service fees
• IRA and qualified retirement plan fees
• Other charges that may be required by law
• Brokerage account fees and charges Information describing the brokerage fees and charges that are applicable to a Commonwealth brokerage or Crux Wealth Advisors managed account is provided on Commonwealth’s Schedule of Miscellaneous Account and Service Fees, which is available on Commonwealth’s website at www.commonwealth.com/clients/media/Commonwealth_Brokerage_Fee_Schedule.pdf. Crux Wealth Advisors may select share classes of mutual funds that pay advisors 12b-1 fees when lower-cost institutional or advisory share classes of the same mutual fund exist that do not pay Crux Wealth Advisors or your advisor additional fees. As a matter of policy, Commonwealth (on Crux Wealth Advisors behalf) credits the mutual fund 12b-1 fees it receives from mutual funds purchased or held in Crux Wealth Advisors managed accounts back to the client accounts paying such 12b-1 fees. In most cases, mutual fund companies offer multiple share classes of the same mutual fund. Some share classes of a fund charge higher internal expenses, whereas other share classes of a fund charge lower internal expenses. Institutional and advisory share classes typically have lower expense ratios and are less costly for a client to hold than Class A shares or other share classes that are eligible for purchase in an advisory account. Mutual funds that offer institutional share classes, advisory share classes, and other share classes with lower expense ratios are available to investors who meet specific eligibility requirements that are described in the mutual fund’s prospectus or its statement of additional information. These eligibility requirements include, but may not be limited to, investments meeting certain minimum dollar amounts and accounts that the fund considers qualified fee-based programs. The lowest-cost mutual fund share class for a fund may not be offered through our clearing firm or made available by Crux Wealth Advisors for purchase within our managed accounts. Clients should never assume that they will be invested in the share class with the lowest possible expense ratio or cost. Crux Wealth Advisors urges clients to discuss with their advisor whether lower-cost share classes are available in their program account. Clients should also ask their advisor why the funds or other investments that will be purchased or held in their managed account are appropriate for them in consideration of their expected holding period, investment objective, risk tolerance, time horizon, financial condition, amount invested, trading frequency, the amount of the advisory fee charged, whether the client will pay transaction charges for fund purchases and sales, whether clients will pay higher internal fund expenses in lieu of transaction charges that could adversely affect long-term performance, and relevant tax considerations. Your advisor may recommend, select, or continue to hold a fund share class that charges you higher internal expenses than other available share classes for the same fund. The purchase or sale of transaction-fee (“TF”) funds available for investment through Crux Wealth Advisors will result in the assessment of transaction charges to you, your advisor, Crux Wealth Advisors or Commonwealth. Although no-transaction-fee (“NTF”) funds do not assess transaction charges, most NTF funds have higher internal expenses than funds that do not participate in an NTF program. These higher internal fund expenses are assessed to investors who purchase or hold NTF funds. Depending upon the frequency of trading and hold periods, NTF funds may cost you more, or may cost Crux Wealth Advisors, Commonwealth or your advisor less, than mutual funds that assess transaction charges but have lower internal expenses. In addition, the higher internal expenses charged to clients who hold NTF funds will adversely affect the long-term performance of their accounts when compared to share classes of the same fund that assess lower internal expenses. The existence of various fund share classes with lower internal expenses that Crux Wealth Advisors may not make available for purchase in its managed account programs present a conflict of interest between clients and Crux Wealth Advisors or its advisors. A conflict of interest exists because Crux Wealth Advisors and your advisor have a greater incentive to make available, recommend, or make investment decisions regarding investments that provide additional compensation to Crux Wealth Advisors that cost clients more than other available share classes in the same fund that cost you less. For those advisory programs that assess transaction charges to clients or to Crux Wealth Advisors or the advisor, a conflict of interest exists because Crux Wealth Advisors and your advisor have a financial incentive to recommend or select NTF funds that do not assess transaction charges but cost you more in internal expenses than funds that do assess transaction charges but cost you less in internal expenses.