FIRM DESCRIPTION Big Sky Wealth Advisors, LLC (referred to as “we,” “our,” “us,” “Firm,” “Advisor,” or “Big Sky Wealth Advisors”) is a Montana limited liability company founded in 2022, based in Great Falls, Montana. Big Sky Wealth Advisors is pending approval as a registered investment advisor with various State Security Authorities. The Firm is wholly owned by Joshua Horton, who also acts as the Firm’s Chief Compliance Officer. Additional information about Mr. Horton’s background may be found in the accompanying Form ADV Part 2B Brochure Supplement. The purpose of this Disclosure Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation, and any other matters related to investment decisions made by our Firm or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is accomplished in part by knowing our client. Our Firm has established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to understand their investment objectives while educating them about our process facilitates the kind of working relationship we value. TYPES OF ADVISORY SERVICES Big Sky Wealth Advisors provides investment management and a variety of financial planning services. As a fiduciary, Big Sky Wealth Advisors must always act in the client’s best interest. Big Sky Wealth Advisors is dedicated to understanding each client’s individual circumstances to help them best achieve their financial objectives while factoring in their current financial situation, risk tolerance, time horizon, as well as other relevant factors. Investment Management Services We provide investment management services to individuals, high net worth individuals, trusts, estates, charitable organizations, corporations, and other business types. As part of this service, we will first meet with the client to understand their current financial situation, existing resources, financial objectives, time horizon, risk tolerance, as well as other pertinent information. Based on the information gathered, we will present an investment portfolio to the client that is designed to meet a particular investment goal suitable to the client’s unique situation. The investment portfolio may consist of individual stocks, bonds, exchange traded funds, options, mutual funds, as well as other security types. Once we create the investment portfolio, we continuously and regularly monitor the portfolio and, if necessary, rebalances the portfolio pursuant to the client’s changing goals, needs and circumstances. As our clients’ financial goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The Firm periodically reviews a client’s financial situation and portfolio through regular contact with the client which often includes an annual meeting with the client. Though our recommendations are discussed with the client prior to its implementation, all accounts are managed on a discretionary basis. Prior to providing the client with wealth management services, we require the client to execute an investment management agreement (“IMA”). The IMA outlines the services Big Sky Wealth Advisors will provide and fees the clients will incur for our Investment Management Services. Our Firm provides comprehensive financial planning services to clients based on each client’s unique circumstances. We will first meet with the client to understand and help identify the client’s current situation and future goals. We may also request the client provide specific financial or other information so that we can effectively carry out its

services. Based on the information gathered, we will formulate a written financial plan that will encompass some or all the following areas, dependent on the client’s unique needs: Investment Planning
• Retirement Planning
• Real Estate Analysis
• Estate Planning
• Charitable Planning
• Mortgage/Debt Analysis
• Education Planning
• Personal Tax Planning
• Insurance Analysis
• Corporate Tax Planning
• Corporate Structure
• Personal Financial Planning
• Lines of Credit Analysis
• Corporate Financial Planning
• Cost Segregation Study Specifically, the written financial plan will include a recommendation for a course of activity or specific actions for the client to take. Financial planning services do not involve Big Sky Wealth Advisors managing client investment portfolios. The client must determine whether to implement the financial planning recommendations outlined in the financial plan. Should the client elect to act on any of our recommendations, the client is not obligated to utilize Big Sky Wealth Advisors or its related persons to implement the recommendation to the extent Big Sky Wealth Advisors or its related persons might be able to, such as effecting securities or insurance transactions. Assuming all the information requested from the client is provided promptly, financial plans are typically completed within six (6) months of the client executing the financial planning agreement. Once we have created and provided the initial financial plan to the client, we will continue to communicate with the client and periodically evaluate and adjust the financial plan based on the client’s needs and goals. We will also provide educational content to the client. Prior to providing the client with financial planning services, we require the client to execute a financial planning agreement (“FPA”). The FPA outlines the financial planning services we will provide and the fees the clients will incur for those services. TAILORED RELATIONSHIPS Big Sky Wealth Advisors offers the same suite of services to all of our clients. The management services and recommendations offered by our Firm are based on the individual needs of our clients and the suitability of products and services. Recommendations presented to clients and the implementation of such recommendations are dependent upon the information provided by the client to build the client’s financial profile which outlines each client’s current situation (income, objectives, and risk tolerance levels). Clients may impose restrictions on investing in certain securities or types of securities in accordance with their values and beliefs. We will make every effort to comply with the wishes of the client but cannot guarantee absolute adherence due to our use of indexed products, funds, and exchange traded funds (“ETF”) that are controlled by third-party service providers. WRAP FEE PROGRAMS Big Sky Wealth Advisors does not offer or sponsor any wrap fee programs. Wrap Fee Programs are arrangements between broker-dealers, investment advisers, banks and other financial institutions, and affiliated and unaffiliated investment advisers through which the clients of such firms receive investment advisory, execution, clearing and custodial services in a “bundled” form. In exchange for these “bundled” services, the clients pay an all-inclusive (or “wrap”) fee determined as a percentage of the assets held in the wrap account. ASSETS UNDER MANAGEMENT When calculating regulatory assets under management, an investment adviser must include the value of any advisory account over which it exercises continuous and regular advisory or management services. As of January 17, 2023, our firm has $84,750,106 regulatory assets under management.