Mountain View Strategic Wealth, LLC (“the Firm,” "we", "our," or "us") is a fee-based registered investment adviser based in Hopewell Junction, New York. The Firm is organized as a limited liability company under the laws of the State of New York. The Firm provides portfolio management and financial planning for individuals, families, retirement plans, corporations, and trusts. John S. Morgan, AIF®, APMA® is the Managing Principal, President, Chief Investment Officer, and Chief Compliance Officer of the Firm and has served in those roles since 2018; the Registered Investment Advisor was formed in 2010. As of December 31, 2023, Mountain View Strategic Wealth, LLC had $42,602,479 in assets under management, $42,602,479 of which was managed on a discretionary basis. Mountain View Strategic Wealth, LLC is committed to helping clients ("you", "your," or "client") build, manage, and preserve wealth, and to provide assistance to clients to help achieve their stated financial goals and investment objectives. We offer a variety of advisory services, which include financial planning, financial consulting, and investment management services. Prior to the Firm rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Mountain View Strategic Wealth, LLC setting forth the relevant terms and conditions of the advisory relationship (the “Advisory Agreement”). While this brochure generally describes the business of Mountain View Strategic Wealth, LLC, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees, independent contractors or any other person who provides investment advice on Mountain View Strategic Wealth’s behalf and is subject to the Firm’s supervision or control. This independent financial adviser provides wealth management services by incorporating financial planning, investment portfolio management, insurance planning, and estate planning. The combination of industry experience and comprehensive research allows the firm to provide quality advisory services to our clients tailored to their individual needs and circumstances. Investment Management Services Mountain View Strategic Wealth, LLC manages client investment portfolios on a discretionary basis; at the firm’s discretion, we may accept non-discretionary accounts. The Firm primarily allocates client assets among various exchange traded funds (ETFs), mutual funds, and individual debt and equity securities in accordance with their stated investment objectives. Where appropriate, the Firm may also provide advice about any type of legacy position or other investment held in client portfolios. Clients may engage us to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance, variable annuity contracts, assets held in employer sponsored retirement plans, and qualified tuition plans (i.e., 529 plans). In these situations, Mountain View Strategic Wealth, LLC directs or recommends the allocation of client assets among the various investment options available within the product. These assets are generally maintained at the underwriting insurance company, or the custodian designated by the product’s provider. Mountain View Strategic Wealth, LLC typically begins its investment management services by building a client profile or similar document that provides questions regarding a client’s time horizon, long-term goals and expectations, and short-term risk attitudes. This will help clients identify their most comfortable style of management. Clients may also indicate any special instructions or limits in managing assets. Those instructions must be in writing. Through continuous monitoring of asset class segments’ return and risk factors, the Firm may change portfolio asset mixes in an effort to help meet objectives. The specific percentages allocated to each asset class may vary due to the nature of asset performance and/or the strategy selected. It is the Firm’s intent to maintain risk exposure commensurate with each client’s objectives by using the various investment portfolio choices available under the strategy selected by that client. Mountain View Strategic Wealth, LLC tailors advisory services to meet the needs of individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. The Firm's IARs consult with clients on an initial and ongoing basis to assess your specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of your portfolio. Clients are advised to promptly notify Mountain View Strategic Wealth, LLC if there are changes in your financial situation or if you wish to place any limitations on the management of your portfolio. Clients may impose reasonable restrictions or mandates on the management of your accounts if Mountain View Strategic Wealth, LLC determines, in our sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm’s management efforts. Financial Planning and Consulting Services The Firm’s investment management services may include the analysis of a client’s situation and assistance in identifying and implementing appropriate financial planning and investment management techniques to help meet specific financial objectives. Our financial planning and consulting services may include any or all of the following functions:
• Determination of appropriate income planning strategies for both pre- and post- retirement.
• Review of existing and proposed investment asset mixes.
• Calculation of pre-retirement savings and investing needs.
• Assessment of overall financial position including net worth, cash flow, and debt.
• Comprehensive analysis of IRA-related issues.
• Estimates of federal estate taxes and a suggested plan of action to help meet estate planning objectives.
• Review and determination of life and disability insurance needs.
• Suggestions for minimizing federal and state income tax obligations.
• Development of investment strategies consistent with business ownership succession and transition planning. In performing these services, Mountain View Strategic Wealth, LLC is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, tax advisors, etc.) and is expressly authorized to rely on such information. Mountain View Strategic Wealth, LLC may recommend clients engage the Firm for additional related services,

through its Supervised Persons, in their individual capacities as insurance agents, to implement its recommendations. Clients are advised that a conflict of interest exists if clients engage the Firm or its affiliates to provide additional services for compensation. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Mountain View Strategic Wealth, LLC under a financial planning or consulting engagement. Clients are advised that it remains your responsibility to promptly notify the Firm of any change in your financial situation or investment objectives for the purpose of reviewing, evaluating, or revising the Firm’s recommendations and/or services. Mountain View Strategic Wealth, LLC also advises clients with respect to investments held in their accounts without implementing the recommended transactions. Under such an arrangement, the client may, at your discretion, choose to implement any of our recommendations. Depending on the nature of the specific consulting agreement, Mountain View Strategic Wealth, LLC may have ongoing monitoring obligations over a client account or may be consulted by the client on an ad hoc basis. Retirement Plan Advisory Services Retirement Plan Advisory Services consists of helping employer plan sponsors to establish, monitor and review their company's retirement plan. As the needs of the plan sponsor dictate, areas of advising could include investment selection and monitoring, plan design/structure, and participant education. Mountain View Strategic Wealth, LLC offers management of 401(k), 457, and 403(b) accounts both on a plan level and on the individual participant level. At the plan level the Firm manages the investment line-up making changes as necessary as well as providing risk-based investment models for the participants. On the individual participant level, the Firm manages risk-based models using the current investment lineup based on risk tolerance of the individual investor. Plan Level Mountain View Strategic Wealth, LLC will establish the plan’s needs and objectives through an initial meeting(s) to collect data, review plan information, and assist in developing or updating the plan’s provisions. Ongoing services may include recommendations regarding the selection and review of unaffiliated mutual funds that, in the Firm’s judgment, are suitable for plan assets to be invested. The Firm periodically reviews the investment options selected and makes recommendations to keep or replace plans investment options as appropriate. Mountain View Strategic Wealth, LLC performs a comprehensive review of Investment options and will assist with converting from incumbent service providers to a new service provider, if appropriate. The Firm will provide periodic recommendations for the plan’s investment allocation. Upon receipt, the Firm will review the investment options and provide positions for accounts in accordance with the management style chosen by the client. The analysis with specific fund positions will be sent to the client. Clients are responsible for making the fund changes within the account or may hire Mountain View Strategic Wealth to serve as an investment manager to replace funds and/or update models, as needed. Participant Level The Firm can also be engaged to provide financial education to plan participants. The scope of education provided to participants will not constitute “investment advice” within the meaning of ERISA and participant education will relate to general principles for investing and information about the investment options currently in the plan. Mountain View Strategic Wealth, LLC may also participate in initial enrollment meetings and periodic workshops and enrollment meetings for new participants. Conflict of Interest – IRA Rollover Recommendations When recommending that a client rollover his or her account from current retirement plan to an IRA, Mountain View Strategic Wealth, LLC and our Investment Adviser Representatives have a conflict of interest. Mountain View Strategic Wealth, LLC and its representatives can earn investment advisory fees by recommending that a client rollover his or her account at the retirement plan to an IRA; however, the Firm and its Investment Adviser Representatives will not earn any investment advisory fee if client does not rollover the funds in the retirement plan (unless a client retained the firm to provide advice about the client’s retirement plan account or the retirement plan has retained the firm to provide advice at the plan level). Thus, Mountain View Strategic Wealth, LLC and its Investment Adviser Representatives have an economic incentive to recommend a rollover of the retirement plan account, which is a conflict of interest. We have taken steps to manage this conflict of interest arising from rolling over funds from an ERISA-covered retirement plan to an IRA. The Firm and its Investment Adviser Representatives will (i) provide investment advice to an ERISA-covered retirement plan participant regarding a rollover of funds from the ERISA-covered retirement plan in accordance with the fiduciary status described below, (ii) not recommend investments which result in the firm receiving unreasonable compensation related to the rollover of funds from the ERISA-covered retirement plan to an IRA, and (iii) fully disclose compensation received by the Firm and its supervised persons and any material conflicts of interest related to recommending the rollover of funds from the ERISA- covered retirement plan to an IRA and refrain from making any materially misleading statements regarding such rollover. Written Acknowledgement of Fiduciary Status 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 and/or the Internal Revenue 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:
• Meet a professional standard of care when making investment recommendations (give prudent advice),
• Never put our financial interests ahead of yours when making recommendations (give loyal advice),
• Avoid misleading statements about conflicts of interest, fees, and investments,
• Follow policies and procedures designed to ensure that we give advice that is in your best interest,
• Charge no more than is reasonable for our services, and
• Give you basic information about conflicts of interest.