Ownership Chartered Advisory Group, Inc. ("CAG" or “Advisor” or “we”) is an investment advisor registered with the Securities and Exchange Commission since June 2011. We were previously registered with our home state of Pennsylvania since August 2001 and registered in other states as well. We are a Pennsylvania corporation and our sole owner is William H. Kantner IV. General Description of Primary Advisory Services We offer personalized investment advisory services including financial planning and asset management services. The following are brief descriptions of our primary services. A detailed description is provided in Item 5, Fees and Compensation, so that clients and prospective clients (“clients” or “you”) can review the services and description of fees more thoroughly. Advice & Planning Membership This service offering combines our financial planning and consulting services and delivers them for an ongoing membership fee (see Item 5, Fees and Compensation for details). Our financial planning services typically, but not invariably, involve preparing a written financial plan covering multiple topics which may include one or more of the following: Retirement Planning, Income Planning, Tax Planning, Cash Flow Planning, Estate/Legacy Planning, Risk Management Planning, Wealth Planning. Our consulting services involve discussions and advice regarding financial planning and investment matters. We offer both routine and as-needed consultations to address financial planning and investment matters. For as- needed consultations, it will be incumbent upon you to identify the particular issues for which you are seeking our advice or consultation. When providing financial planning and consulting services, our role is to find ways to help you understand your overall financial situation and help you set financial objectives. Our financial planning and consulting services do not involve implementing any transaction on your behalf or the active and ongoing monitoring or management of your investments or accounts. You have the sole responsibility for determining whether to implement our financial planning and consulting recommendations. To the extent you would like to implement any of our investment recommendations through CAG or retain CAG to actively monitor and manage your investments, you must execute a separate written agreement with CAG for our asset management services. Asset Management This service offering is solely focused on delivering asset management services, providing continuous and ongoing supervision of your specified accounts for a fee (see Item 5, Fees and Compensation for details). CAG offers a CAG Model Portfolio Program that will be custodied at Charles Schwab. CAG also offers asset management services for other types of investments (e.g., annuities). Chartered Advisory Group® 5 Disclosure Brochure | March 2024 Additional Information Concerning Our Asset Management Programs For CAG Model Portfolio Program accounts, regardless of custodian, you must appoint our firm as your investment adviser of record on specified accounts (collectively, the “Account”). The Account consists only of separate account(s) held by qualified custodian(s) under your name. The qualified custodians maintain physical custody of all funds and securities of the Account, and you retain all rights of ownership (e.g., right to

withdraw securities or cash, exercise or delegate proxy voting, and receive transaction confirmations) of the Account. Client Accounts are managed by us based on your financial situation, investment objectives and risk tolerance. We actively monitor and manage the Accounts – buying, selling, reinvesting, or holding securities, cash or other investments in the Accounts. We will need to obtain certain information from you to determine your financial situation and investment objectives. You will be responsible for notifying us of any updates regarding your financial situation, risk tolerance, or investment objective. We will contact you at least annually to discuss any changes or updates regarding your financial situation, risk tolerance, or investment objectives. It is important that you understand we manage investments for other clients and may give them advice or take actions for them or for our personal accounts that is different from the advice we provide to you, or actions taken for you. We are not obligated to buy, sell, or recommend to you any security or other investment that we may buy, sell, or recommend for any other clients or for our own accounts. Conflicts may arise in the allocation of investment opportunities among accounts that we manage. We strive to allocate investment opportunities believed to be appropriate for your account(s) and other accounts advised by our firm among such accounts equitably and consistent with the best interests of all accounts involved. However, there can be no assurance that a particular investment opportunity that comes to our attention will be allocated in any particular manner. If we obtain material, non-public information about a security or its issuer that we may not lawfully use or disclose, we have absolutely no obligation to disclose the information to any client or use it for any client’s benefit. Financial Institution Consulting Services CAG provides investment consulting services to certain broker-dealers’ customers (“Brokerage Customers”) who provide written consent requesting to receive CAG’s consulting services. Brokerage Customers have entered into a written advisory agreement with CAG. Limits Advice to Certain Types of Investments We generally limit our investment advice to the following types of investments:
• Exchange-listed securities
• Securities traded over-the-counter
• Certificates of deposit
• Variable annuities
• Fixed and equity-indexed annuities
• Mutual fund shares However, we reserve the right to offer advice on any investment product that may be suitable for each client’s specific circumstances, needs, goals and objectives. Please refer to Item 5, Fees and Compensation, and Item 8, Methods of Analysis, Investment Strategies and Risk of Loss for more information. Chartered Advisory Group® 6 Disclosure Brochure | March 2024 Tailor Advisory Services to Individual Needs of Clients Our services are always provided based on your specific needs. However, we will not enter into an investment advisor relationship with a prospective client whose investment objectives may be considered incompatible with our investment philosophy or strategies or where the prospective client wishes to impose restrictive investment guidelines. Client Assets Managed by Advisor The amount of client assets managed by Advisor totaled $119,429,575 as of December 31, 2023, with $28,855,043 managed on a discretionary basis and $90,574,532 managed on a non-discretionary basis.