A. Catalyst Wealth Advisors LLC (the “Adviser,” “we,” “us,” or “our”) is an investment adviser founded in 2018, registered with the U.S. Securities and Exchange Commission (“SEC”), and principally owned by Ryan McKee.
B. Adviser offers the following types of advisory services: i.Investment Management. Adviser provides ongoing investment management services to its clients based upon each client’s current financial condition, goals, risk tolerance, income, liquidity requirements, investment time horizon, and other information that is relevant to the management of clients’ account(s). This information will then be used to make investment decisions that reflect clients’ individual needs and objectives on an initial and ongoing basis. Adviser’s investment decisions will allocate portions of clients’ account(s) to various asset classes classified according to historical and projected risks and rates of return. Such investment management services are generally provided on a discretionary basis, though we may agree to manage accounts on a non-discretionary basis in our sole and absolute basis. When retained on a discretionary basis, Adviser will retain the discretion to buy, sell, or otherwise transact in securities and other investments in a client’s accounts without first receiving the client’s specific approval for each transaction. Such discretionary authority is granted by a client in his or her investment management agreement with Adviser. When retained on a non-discretionary basis, Adviser will not be granted the discretion to buy, sell, or otherwise transact in securities and other investments in a client’s accounts, and may do so only upon receiving the client’s specific approval for each transaction. Clients may impose restrictions on investing in certain securities or types of securities so long as such restrictions may reasonably be implemented by Adviser.
Adviser generally implements its investments strategy by allocating clients’ investable assets across a diversified risk-based portfolio of no-load mutual funds and/or exchange traded funds (“ETFs”), stocks, fixed income securities, bonds, interval funds, and options.
ii.Financial Planning. When rendering financial planning services (which is provided in connection with investment management services and referred to as our Catalyst 360° offering), Adviser will evaluate and make recommendations with respect to various financial planning topics that are relevant to a particular client. Such topics can include, for example, retirement planning, education savings, cash flow management, debt reduction, estate planning, insurance needs, risk mitigation, tax planning, charitable giving strategies, and/or financial goal tracking. Implementation of Adviser’s recommendations will be at the discretion of the client.
With Catalyst 360°, our clients are given a 360 degree look at their financial life in the form of direct portfolio management and a wealth planning relationship. As a part of this ongoing relationship, Adviser

directly manages client accounts, creating custom portfolios that align with their Catalyst 360° wealth plan. Specific client wealth plans and investment portfolios are dependent upon the client’s specific situation including current income & expenses, net worth, tax situation, risk tolerance, risk capacity, and goals and objectives, among other factors. These items are used to construct client-specific plans to aid in the selection of a portfolio that matches restrictions, needs, and targets.
When rendering financial planning services, a conflict exists between Adviser’s interests and the interests of its clients; clients are under no obligation to act upon Adviser’s financial planning recommendations. If a client elects to act on any of the recommendations made by Adviser, the client is under no obligation to effect the transaction through Adviser or any of its personnel.
iii.Selection of other investment advisers. From time to time and when appropriate for a particular client, Adviser will recommend or retain an independent and unaffiliated third-party investment adviser (“Third-Party Adviser”) to manage all or a portion of a client’s portfolio. Third-Party Advisers are evaluated based on a variety of factors, not the least of which include performance return history, asset class specialization, management tenure, and risk profile. Adviser will conduct due diligence as appropriate to confirm that such Third-Party Advisers are duly registered and otherwise well-equipped to manage such clients’ accounts. Adviser generally retains the discretionary authority to hire or fire such Third-Party Advisers with or without notice to the client.
C. Adviser does not participate in any wrap fee programs.
D. When we provide investment advice to you regarding your 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 (the “Code”), as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: i.Meet a professional standard of care when making investment recommendations (give prudent advice); ii.Never put our financial interests ahead of yours when making recommendations (give loyal advice); iii.Avoid misleading statements about conflicts of interest, fees, and investments; iv.Follow policies and procedures designed to ensure that we give advice that is in your best interest; v.Charge no more than is reasonable for our services; and vi.Give you basic information about conflicts of interest.
E. Adviser manages the following amount of discretionary and non-discretionary client assets calculated as of December 31, 2023: i.Discretionary:$132,242,401 ii.Non-Discretionary:$200,667 iii.Total:$132,443,068