AGH Wealth Advisors, LLC (“AGH Wealth”) is a limited liability company formed under the laws of the State of Kansas and based in Wichita. We are licensed with the SEC as an investment adviser, and have been providing investment advisory services since 2008. Allen, Gibbs & Houlik, L.C. is the sole owner of AGH Wealth, and Paul S. Allen, Managing Member and Brad J. Bechtel, President/Chief Compliance Officer are the principals and management persons of the firm. You may see the term “Associated Person” throughout this Disclosure Brochure. As used in this Disclosure Brochure, this term refers to anyone from our firm who is an officer, employee, and any individual providing investment advice on behalf of our firm. Such persons are properly registered as Investment Adviser Representatives (“IARs”) in all required jurisdictions. Currently, we offer the following investment advisory services, personalized to each individual client:
• Portfolio Management Services
• General Consulting Services
• Retirement Plan Consulting
• Referrals to Third Party Investment Advisers Portfolio Management Services - Wrap Fee Program AGH Wealth is the portfolio manager and sponsor of the AGH Wealth Wrap Fee Program. A wrap fee program combines portfolio management, advisory services, and trade execution for a single fee. AGH Wealth, as portfolio manager is responsible for the research, security selection, and implementation of transaction orders in the Client's account. The transactions in the Client's account will be executed by and custodied at LPL Financial, LLC (“LPL”), a FINRA-registered broker-dealer, member SIPC. The Client pays AGH Wealth an all inclusive Wrap fee. AGH Wealth pays LPL a portion of this fee for trade execution expenses. Detailed information about the AGH Wealth Wrap Fee Program and program fees is provided in the Form ADV Part 2A, Appendix 1 (Wrap Brochure) that is attached to this Form ADV Part 2A Disclosure Brochure. General Consulting Services AGH Wealth provides general consulting services that focus on the specific needs and concerns of the client. Advisory consulting services may include giving advice on investment and investment related matters. These services include the identification of financial goals and objectives, collection and assessment of all relevant data, identification of financial problems and formulation of solutions, and the preparation of a financial plan in the form of specific written recommendations. The services we provide will typically focus on one or more of the following areas: Retirement Planning Retirement Planning is a process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program and managing assets. Future cash flows are estimated to determine if the retirement income goal will be achieved. Tax Planning The goal of tax planning is to arrange your financial affairs so as to minimize your taxes. There are three basic ways to reduce your taxes, and each basic method might have several variations. You can reduce your income, increase your deductions, and take advantage of tax credits. Investment Planning The goal of investment planning is to determine the investment mix and policy, matching investments to objectives, asset allocation for individuals and institutions, and balancing risk against performance. The process realizes strengths, weaknesses, opportunities and risks in the choice of debt vs. equity, domestic vs. international, growth vs. safety, and many other tradeoffs encountered in the attempt to maximize return at a given risk. Financial plans are based on your financial situation and the financial information you provide to our firm. If your financial situation, goals, objectives, or needs change, you must notify us promptly. You may choose to accept or reject our recommendations. If you decide to proceed with our recommendations, you may do so either through our firm or by using the advisory/brokerage firm of your choice. Retirement Plan Consulting Services AGH Wealth provides several advisory services separately or in combination. While the primary clients for these services will be pension, profit sharing and 401(k) plans, AGH Wealth will also offer these services, where appropriate, to individuals and trusts, estates and charitable organizations. Retirement Plan consulting services are comprised of four distinct services. Clients may choose to use any or all of these services. Investment Policy Statement Preparation AGH Wealth will meet with the client to determine investment needs and goals. AGH Wealth will prepare a written Investment Policy Statement (“IPS”) stating those needs and goals and creating a policy to help achieve these goals. The IPS will also list the criteria for selection of investment vehicles and the procedures and timing interval for monitoring of investment performance. Selection of Investments AGH Wealth will review various investments, consisting of one or all of the following: individual equities, bonds, other investment products and mutual funds (both index and managed) to determine which of these investments are appropriate to implement

the client's IPS. The number of investments to be recommended will be determined by the client, based on the IPS. Investment Performance Monitoring Client investments will be monitored continuously based on the procedures and timing intervals outlined in the IPS. Although AGH Wealth will not be involved in any way in the purchase or sale of these investments, AGH Wealth will supervise the client's portfolio and will make recommendations to the client as market factors and the client's needs dictate. Employee Communications For pension, profit sharing and 401(k) plans where the individual account participant exercises control over assets in his/her own account (''self-directed plans''), AGH Wealth also provides educational support and investment workshops designed for the Plan participants. The nature of the topics to be covered will be determined by AGH Wealth and the client under the guidelines established in ERISA Section 404(c). The educational support and investment workshops will also provide Plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. Other retirement plan consulting services are available on request. All of our retirement plan consulting services, whether general or customized, will be outlined in an agreement that shows exactly which services will be provided and at what fee for those services. All client retirement plans are regulated under the Employee Retirement Income Securities Act (“ERISA”). AGH Wealth will provide consulting services to the plan fiduciaries as described above. Typically, the named plan fiduciary must make the ultimate decision as to retaining the services of such investment advisers as the firm recommends. The plan fiduciary is free to seek independent advice about the appropriateness of any recommended services for the plan. Selection of Third Party Investment Advisers AGH Wealth has entered into agreements with various third party investment advisers for the provision of certain investment advisory services. Factors considered in the selection of a third party advisor include but may not be limited to: i) AGH Wealth’s preference for a particular third party advisor; ii) the client’s risk tolerance, goals and objectives, as well as investment experience; and, iii) the amount of client assets available for investment. In order to assist clients in the selection of a third party advisor, an Associated Person of AGH Wealth will typically gather information from the client about the client’s financial situation, investment objectives, and reasonable restrictions the client wants imposed on the management of the account. Generally, securities transactions will be decided upon and executed by the third party advisor on a discretionary basis. This means that the manager selected will have the ability to buy and sell securities in your account without obtaining your approval. AGH Wealth and its Associated Persons will not manage, or obtain discretionary authority over the assets in accounts participating in these programs; however, clients may grant AGH Wealth the discretionary authority to hire and fire such third party managers. Generally, clients may not impose restrictions on investing in certain securities or types of securities in accounts managed by a third party advisor. Associated Persons of AGH Wealth will periodically review reports provided to the client. An Associated Person of AGH Wealth will contact the client at least annually, or more often as agreed upon with each client, to review the client’s financial situation and objectives, communicate information to the third party advisor managing the account as necessary, and to assist the client in understanding and evaluating the services provided by the third party advisor. Clients will be expected to notify AGH Wealth of any changes in their financial situation, investment objectives, or account restrictions. The third party advisor may offer wrapped or non-wrapped pricing options. Wrap pricing structures allow the client to pay an all-inclusive fee for management, brokerage, clearance, custody and administrative services. In a non-wrap pricing structure, the third party advisor’s fee may be separated from the advisory fee charged by AGH Wealth. Transaction costs may also be charged for the execution and clearance of advisory transactions directed by such Third Party Advisory Services. A complete description of the programs and services provided, the amount of total fees, the payment structure, termination provisions and other aspects of each program are detailed and disclosed in: i) the third party advisor’s Form ADV Part 2A; ii) the program wrap brochure (if applicable) or other applicable disclosure documents; iii) the disclosure documents of the portfolio manager(s) selected; or, iv) the third party advisor’s account opening documents. A copy of all relevant disclosure documents of the third party advisor and of the individual portfolio manager(s) will be provided to anyone interested in these programs/managers. Assets Under Management As of December 31, 2022, we manage $141,137,849 in client assets on a discretionary basis, and $0 in client assets on a non-discretionary basis. We also provide consulting services over an additional $195,097,050 in retirement plan assets on a non-discretionary basis.