Firm Information Virtus Wealth Management LLC dba Virtus Financial Group (herein “Virtus Wealth” or the “Advisor”) is a registered investment advisor primarily located in the State of Missouri. The Advisor was organized as a Limited Liability Company (LLC) under the laws of the State of Missouri in November 2021 and became a registered investment advisor in January 2022. This Disclosure Brochure provides information regarding the qualifications, business practices and details of the services and the applicable fees. For information regarding this Disclosure Brochure, please contact Andrew M. Hall, CPA (Co-Founder and Chief Compliance Officer) at (314) 395-6133 or by email at [email protected]. Principal Owner Virtus Wealth is owned by Andrew Hall (50%) and Tyler Wrezinski (50%). Andrew Hall, CPA Andrew M. Hall, CPA (Co-Founder and Chief Compliance Officer) serves Clients’ needs with a holistic approach toward the relationship between their personal, business and family financial goals. He coordinates with Clients’ financial advisors and estate planning professionals to create synergistic life plans to meet their goals. Andrew also helps tax Clients prepare individual tax returns and solve complex tax scenarios with proactive planning. Tyler Wrezinski Tyler Wrezinski (Co-Founder) is passionate about helping people plan for the effects of taxation and inflation on their life’s savings. He strives to understand the unique needs of each Client and treats the financial decisions they must make as if they were his own. Throughout his career he has been helping families plan for worry-free retirement. In addition to over 16 years of Client service, Tyler is active in the community. Advisory Services Offered Virtus Wealth provides fee-based investment advisory services primarily to individuals, high-net worth individuals, families, trusts, and estates (each a “Client”). Services are also available to businesses and financial institutions. Accounts are managed based on the individual goals, objectives, time horizon, and risk tolerance of each Client with a focus on retirement goals. The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Virtus Wealth's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investments are managed on a non-discretionary basis where the Client must approve verbally or in writing each trade, prior to execution. The Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Investment strategies and recommendations are tailored to the individual needs of each Client but consist of an asset allocation consistent with: ● Income with Capital Preservation. Designed as a longer-term accumulation account, this investment objective is considered generally the most conservative. Emphasis is placed on generation of current income with minimal risk of capital loss. Lowering the risk potentially means lowering the potential income and overall return. ● Income with Moderate Growth. This investment objective emphasizes generation of current income with a secondary focus on moderate capital growth. ● Growth with Income. This investment objective emphasizes modest capital growth with some focus on generation of current income. ● Growth. This investment objective emphasizes achieving high long-term growth and capital appreciation. ● Aggressive Growth. This investment objective emphasizes aggressive growth and maximum capital appreciation, with no focus on generation of current income. This objective has an extremely high level of risk and is for investors with a longer timer horizon. Investment Management Services are provided by selecting an investment platform managed by a Third-Party Asset Management Programs (“TAMP” or “Investment Platform”) also known as a Turn-Key Asset Management Program. More specifically, Virtus Wealth will determine the Investment Platform and establish one or more accounts based on the Client’s financial situation and investment objectives; provide Investment Platform disclosure and marketing materials and, explain the operation and structure of the Investment Platform. Once the appropriate Investment Platform has been determined, it is continuously and regularly monitored, and if necessary, rebalanced based upon the Client’s individual needs, stated goals and objectives. Where appropriate, the Advisor provides advice about any type of legacy position held in the Client’s investment portfolio. Fees are charged based on assets under management. Please see Item 5. At no time, will Virtus Wealth accept or maintain physical custody of a Client’s funds or securities. All Client assets will be managed within their designated brokerage account, pursuant to the Client investment advisory agreement on a non-discretionary basis. ● Investment advice is not limited to certain investment types. ● There is no minimum amount required to open or maintain an account. ● Advisory services are tailored to the individual need of each Client. Selected Manager[s] in the Investment Platform will implement their respective investment stratregy[ies], including discretionary investment management, including

trading, rebalancing, and/or and updates, in line with the Manager’s investment philosophy. Client Account Management Prior to engaging Virtus Wealth to provide investment advisory services, each Client is required to enter into an investment advisory agreement with Virtus Wealth that defines the terms, conditions, authority, and responsibilities of each party. Conflicts of Interest As a fiduciary, Virtus Wealth Management seeks to avoid conflicts of interest or at a minimum, make full disclosure to provide sufficiently specific facts for Clients to understand and appreciate the risk[s] associated with a conflict of interest. The goal is to allow Clients to provide informed consent when they decide to engage Virtus Wealth for services. Clients are encouraged to consider and ask questions about the select conflicts of interest listed below. Clients have the option to purchase investments through other advisors or broker-dealers that are not affiliated with the Advisor. Insurance Products Investment Advisor Representatives of Virtus Wealth Management are also licensed insurance agents. In an Investment Advisor Representative’s separate capacity as an insurance agent, the Investment Advisor Representative recommends and sells insurance products to Clients. Not every Client is offered insurance products. The implementation of such insurance products will result in commission compensation from the insurance product or provider. Prior to purchasing or replacing an insurance product, a Client’s current holdings will be evaluated. Clients are under no obligation to purchase insurance products through an Investment Advisor Representative of the Advisor. Clients may purchase insurance products through other providers. Please also see Item 10 below. Virtus Wealth, the Advisor, does not receive commission compensation for the sale of insurance products; however, Investment Advisor Representatives of Virtus Wealth, in their individual capacity as an insurance agent, do receive commission compensation. ● Advisory fees are not charged on funds used to purchase insurance products. ● Advisory fees are not reduced due to compensation received by individual insurance agents. ● The receipt of commissions provides an incentive to purchase insurance products. ● Advisory fees are not reduced due to commission compensation received. Money Managers and Product Sponsors Investment Advisor Representatives will, on occasion, have an opportunity to attend a training event or participate in a due diligence visit where the Money Manager or Product Sponsor will usually cover the associated travel expenses such as airfare, hotel and meals. Training opportunities are often held at luxury resorts where amenities such as golf, spas and entertainment are provided. Such accommodations represent a conflict of interest that can influence the evaluation of the Money Manager or Product sponsor based on factors other than the quality of services. Additional Compensation Virtus Wealth Management can receive an economic benefit for providing advisory services from sources other than the Client. Economic benefits include sales awards and gifts, an occasional meal, as well as entertainment such as a concert, show or sporting event. Such compensation is not directly related to the advice or services provided to a particular Client, but it does create a conflict of interest that can influence the selection of services based on the compensation received. Industry Professionals When it is in the best interests of the Client, Virtus Wealth can introduce the services of other professionals for certain non-investment purposes (i.e., attorneys and accountants). Introductions represent a conflict of interest because they create a relationship where the other professional has an implied obligation to introduce potential new Clients to Virtus Wealth. Virtus Wealth does not receive a commission or share in any revenue with these parties. Clients are under no obligation to engage the services of any such professional. If the Client engages any such professional, and a dispute arises, any recourse will be exclusively from and against the engaged professional. Conflicts of interest are mitigated by the fiduciary duty to always act in a Client’s best interest and acting accordingly. Virtus Wealth Management will seek independent counsel to evaluate conflicts as they arise and provide sufficient disclosure and controls which may include declining to participate or proceed with an engagement. Andrew Hall, the Chief Compliance Office, is available to discuss any concerns that exist due to a conflict of interest. Mr. Hall can be reached at (314) 395-6133or [email protected]. Assets Under Management The Advisor manages approximately $24,672,000 in non-discretionary assets under management. The Advisor does not have discretionary assets under management. Clients may request updated information at any time. Assets under Management Discretionary $0.00 Non-Discretionary $24,672,000 Total $24,672,000 Retirement Plan Rollovers An employee generally has four (4) options for their retirement plan when they leave an employer: 1. Leave the money in his/her former employer’s plan, if permitted 2. Rollover the assets to his/her new employer’s plan if one is available and permitted 3. Rollover to an Individual Retirement Account (“IRA”), or 4. Cash out the account value, which has significant tax considerations Virtus Wealth has an incentive to recommend such a rollover based on the compensation received, which is mitigated by the fiduciary duty to act in a Client’s best interest and acting accordingly.