Firm Description Continuity Wealth Management was established in May 1993. Our main office is located in Portland, Oregon. The principal owner is Justin Curtiss, who serves as the Firm’s President & Chief Compliance Officer. Mr. Curtiss may be contacted by email at [email protected] or by telephone at (503) 244-8905. Types of Advisory Services Continuity Wealth Management offers a variety of investment advisory services to our clients. We work with our clients to identify their investment goals and objectives as well as risk tolerance in order to create an initial portfolio allocation designed to complement their clients’ financial goals and objectives. We may create a portfolio, consisting of, but not limited to individual stocks or bonds, exchange traded funds, no- load funds and/or load-waived funds (front-end commissions will not be charged). Investment Management Our investment management services generally include financial planning as well as discretionary management of investment portfolios. Each portfolio will be initially designed to meet a particular investment goal, which Continuity Wealth Management has determined to be suitable for our client’s circumstances. Once the appropriate portfolio has been determined, we will review the portfolio and rebalance the account based upon our client’s individual needs, stated goals and objectives. Continuity Wealth Management’ strategy, generally, will be to seek to meet client investment objectives while providing clients with access to personal advisory services. Financial Planning Our financial planning services are rendered in conjunction with portfolio management services, as part of a comprehensive investment management engagement. We will prepare a written financial plan for all financial planning clients. The plan considers all of your assets, liabilities, goals and objectives and includes gathering all information necessary to provide you with appropriate and agreed upon services, which may include one or more of the following:
• Investment Manager Selection and Monitoring
• Asset Allocation and Investment Planning
• Retirement Planning
• Estate Planning
• Insurance Planning
• Education Planning
• Cash Flow Management
• Divorce Planning You are encouraged to review your plans on a regular basis. Educational Workshops/Seminars We offer educational workshops to existing and prospective clients. These workshops feature general investment-related advice for educational purposes. No specific individualized investment advice regarding investment objectives or investment related needs of the attendees is rendered during seminars. However, participants are free to schedule follow-up meetings to discuss personalized 05-08-2024 ADV Part 2A Page 5 of 14 investment advice. Retirement Rollovers

& Conflicts of Interest If we make recommendations or provide advice related to a retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act ("ERISA") and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. In the event we recommend a client rollover their retirement plan assets into an account to be managed by our firm or (where applicable) recommend the purchase of a retail investment product, such a recommendation creates a conflict of interest because we will be compensated if you follow our recommendation. To manage this conflict, we operate under a special ERISA rule relating to retirement assets that requires us to act in your best interest and not put our interests ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. While not always the case, a client or prospective client leaving an employer typically has the below four options regarding an existing retirement plan: 1. Retain the assets in the former employer’s plan; 2. Rollover the assets to a Traditional IRA or Roth IRA; 3. Rollover the assets to the plan of a new employer; or 4. Receive a cash distribution. Deciding which of the above options are right for you can be a complex process. For that reason, we will discuss each option after we conduct a careful analysis. Additionally, we provide a written "Retirement Advice Disclosure" to our clients to educate you so you can make a good decision. Please let us know if you did not receive the above disclosure so we can provide it to you. Client Tailored Relationships and Restrictions As a fiduciary, Continuity Wealth Management always acts solely in your best interests. Your portfolio is customized based on your investment objectives. You may make requests or make suggestions regarding the investments made in your portfolio. Similarly, you are under no obligation to act upon Continuity Wealth Management' or associated person's recommendations. Wrap Fee Program Continuity Wealth Management does not sponsor nor provide portfolio management services to a wrap fee program. 05-08-2024 ADV Part 2A Page 6 of 14 Assets under Management (AUM) Continuity Wealth Management as of December 31, 2023, has $158,038,016 in discretionary and $27,884 in non- discretionary for a total of $158,065,900 in reportable assets under management.