Q3 Advisors was formed in May 2016 as a limited liability company organized pursuant to the laws of the State of Texas, with its principal office in Colorado, and originally became registered as an investment advisor in June of 2016. In January of 2024, the firm became registered with the SEC. Q3 Advisors is 100% owned by Craig Wear, who serves as Managing Member, Chief Compliance Officer, and investment adviser representative (IAR). We offer the following types of advisory services. Retirement Consulting Services Q3 Advisors, doing business as Craig Wear, offers Retirement Consulting/Financial Planning services. Clients may engage us for these Retirement Consulting/Financial Planning services in accordance with a financial consulting agreement. Q3 Advisors tailors its Retirement Consulting/Financial Planning services to the individual needs of clients based on an analysis of factors, including but not limited to, the client’s annual income, net worth, proposed retirement date, tax status, and other facts. Such services do not include recommendations concerning the purchase or sale of individual securities or industry sectors. We provide comprehensive retirement planning evaluation, projections, and advice, with the added focus on the possibilities of the implementation of specific Roth conversion strategies. Our programs are known as Rothology and Rothology Legacy. These two programs are identical; however, Rothology Legacy is geared towards clients who may already be taking distributions from qualified retirement accounts or may not have a level of retirement assets necessary to benefit from long-term projections concerning their retirement assets. Our written summary or reports rendered to clients includes specific observations and recommendations for a course of activity to be taken by clients regarding tax planning. These written summaries or reports provide tax saving strategies based on the financial and other information provided by the client. For example, recommendations may be made that you commence or alter your retirement plan. Certain information, such as life expectancy, inflation rates, tax rates, future expenses and other material assumptions and estimates, among others, will be considered in the preparation of the written summary. You acknowledge that you will review these assumptions and will inform Q3 Advisors, Craig Wear, or the advisor immediately if you do not concur with our use in the written summary. Comprehensive Financial Planning Services In addition to the below, our Comprehensive Financial Planning services include either Rothology or Rothology Legacy (described above). Investment Analysis/Financial Goals/Cash Flow: Q3 evaluates Client’s current asset allocation strategy based on Client’s specific needs. These include goals, objectives, and risk tolerance. As part of the process Q3 documents your income, expenses, and provides advice to manage both to accomplish Client’s goals. We do not provide investment management services and we do not have access to Client’s investment accounts. We can evaluate investment objectives and recommend investment management resources and/or firms. If

desired, we can participate in the process of evaluating an investment advisor. Estate Planning: Depending on Client’s income and total assets an estate portion of the plan may be created. This is also used by Q3 as a discussion to help Client plan for asset growth over time. Q3 assesses Client’s total information to determine your tax exposure and the adequacy of Client’s estate plan. Areas covered and discussed are wills, powers of attorney, trusts, and other estate needs. We do not provide legal advice and do not prepare legal documents. We can recommend attorneys, if desired, and can participate in the estate planning process. College Savings: Q3 helps Client prepare for and save assets to achieve college or other post- secondary education funding goals and provides savings. Employee Benefits Optimization: Q3 provides a review and analysis as to Client(s), as employee(es), are maximizing retirement program options / benefits. If Client owns a business, Q3 provides insight, assessment and recommendations regarding the various benefit programs that can be structured to meet both business and personal retirement goals. Insurance/Risk Management: Q3 provides an insurance / risk management review of Client’s exposures to major risks that can financially impact Client. These include premature death, temporary or long-term disability, property and casualty losses, or the need for long‐term care services and others. Q3 provides advice on ways to mitigate such risks compared with the cost of purchasing insurance or the impact of not using insurance. Retirement Planning: Q3 assesses projections of achieving Client’s long-term financial goals, focusing on financial independence upon retirement and use of Social Security benefits, among others. Retirement planning can include recommending changes to current strategies, distribution strategies, and optimizing assets in retirement. Tax Planning Strategies: Q3 helps Client manage tax liability and strategies to minimize current and future income taxes as a part of the overall financial plan. Q3 will recommend taxable or non- tax accounts as applicable, noting that that there is always a possibility of future changes to federal, state, or local tax laws and rates that may impact Client’s situation. Q3 requests and recommends Client consult with a qualified tax professional before initiating any tax planning strategy. Q3 Advisors does not sponsor or manage a wrap fee program. Q3 Advisors does not have any client accounts under direct supervision or management. Because we do not offer investment management services, we have $0 in discretionary assets under management and $0 in non-discretionary assets under management. The California Code of Regulations requires us to furnish a written statement to its financial planning clients with the following statement: A conflict of interest exists between the interests of Q3 Advisors and the interests of the client. The client is under no obligation to act upon the investment adviser’s recommendation and, if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser.