ABOUT OUR FIRM Big Sky Wealth Advisors, LLC is currently registered with the Securities and Exchange Commission ("SEC") as an investment adviser, with its principal place of business located in Montana. Big Sky Wealth Advisors, LLC has been in business since 2022, and is wholly owned by Joshua Horton. Megan McLaughlin serves as the firm’s Chief Compliance Officer. Our Firm was registered with the SEC as an investment adviser in 2024. Our Firm currently has one office located at 812 14th Street N., Great Falls, MT 59401. This brochure is designed to provide detailed and precise information about each item noted in the table of contents. Certain disclosures are repeated in one or more items, and other disclosures are referred to throughout to be as comprehensive as possible on the broad subject matters discussed. Within this brochure, specific terms in either are used as follows:
• Big Sky refers to Big Sky Wealth Advisors, LLC.
• “Firm,” “we,” “us,” and “our” refer to Big Sky Wealth Advisors, LLC.
• “Advisor,” “Investment Advisor Representative,” and “IAR” refers to our professional representatives who provide investment recommendations or advice on behalf of Big Sky Wealth Advisors, LLC.
• “You,” “yours,” and “Client” refers to Clients of Big Sky Wealth Advisors, LLC and its advisors.
• “Code” refers to our Firm’s Code of Ethics.
• “CCO” refers to our Chief Compliance Officer, Megan McLaughlin. ADVISORY SERVICES WE OFFER Our Firm offers a variety of advisory services, which include discretionary investment management, financial planning, and retirement services. Before rendering any preceding advisory services, Clients must enter into one or more written Investment Advisory Agreements (“Agreements”), setting forth the relevant terms and conditions of the advisory relationship. We do not provide tax or legal advice. Clients should consult with an expert on tax or legal issues. Our Firm manages portfolios for individuals, high-net-worth individuals and families, estates, trusts, retirement plans, corporations, and charitable foundations. We provide investment management and advisory services to multi-generational families using separately managed accounts under a custodial relationship with an independent brokerage firm. With our discretionary relationship, we will change the portfolio as appropriate to help meet your financial objectives. We trade Client portfolios based on our Firm’s market views and the Client’s financial goals. We primarily invest in individual stocks, bonds, exchange traded funds (“ETFs”), corporate bonds, municipal bonds, and U.S. Government Treasuries. A portion of the account may be held in cash, cash equivalents, or money market funds as part of the overall investment strategy. Cash balances may have a higher concentration and represent a significant portion of your overall portfolio, depending on the current investment outlook or strategy. Clients may impose reasonable restrictions on investing in certain securities by notifying Us through written notification. We do not allow Clients to impose reasonable restrictions on investing in certain securities by notifying Us through written notification. Our Firm generally requires a minimum account size of $50,000 for advisory accounts. However, from time to time, at our sole discretion, we may accept smaller accounts based on various criteria, such as anticipated future assets, related accounts, and other individual Client circumstances. FINANCIAL PLANNING SERVICES Our Firm offers financial planning services, which involve preparing a written financial plan covering specific or multiple topics. We provide full written financial plans, which may address one or several topics: Investment Planning, Retirement Planning, Insurance Planning, Tax Planning, Education Planning, Portfolios, and Allocation Review. Unless otherwise agreed to in writing, the Client is solely responsible for determining whether to implement our financial planning recommendations. Our financial planning services do not involve implementing transactions on your behalf nor include active and ongoing monitoring or management of your investments or accounts. The Client must execute a separate written agreement if the Client elects to implement any of our investment recommendations through our Firm or retain our Firm to monitor and manage investments actively. RETIREMENT PLAN SERVICES When providing any non-discretionary investment advisory services, we will solely be making investment recommendations to the Sponsor, and the Sponsor retains full discretionary authority or control over assets of the retirement plan. We agree to perform any non-discretionary investment advisory services to

the retirement plan as a fiduciary, as defined in ERISA Section 3(21)(A)(ii). We will act in good faith and with the degree of diligence, care, and skill that a prudent person rendering similar services would exercise under similar circumstances. When providing administrative services, we may support the Sponsor with plan governance and committee education; vendor management and service provider selection and review; investment education; or plan participant non-fiduciary education services. We agree to perform any administrative services solely in a capacity that would not be considered a fiduciary under ERISA or any other applicable law. When offering investment models to plan sponsors, under certain circumstances, we will act as a “fiduciary” as defined under Section 3(21) of ERISA and Section 4975(3) of the Internal Revenue Code of 1986, as amended (the “Code”). PERSONAL CHOICE RETIREMENT ACCOUNT® Our firm offers Personal Choice Retirement Account® (“PRCA”) through Schwab. A Schwab PCRA is a self-directed brokerage account that resides within an investor’s employer-sponsored retirement plan. This plan typically allows investors to invest in a wider range of investments within their retirement plan. ROLLOVER RECOMMENDATION DISCLOSURE Our Firm is considered a fiduciary under the Investment Advisers Act of 1940. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and the Internal Revenue Code, as applicable, which are laws governing retirement accounts. We must act in your best interest and not put our interests ahead of yours. At the same time, how we make money conflicts with Client interests. A Client leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options):
• leave the money in the former employer’s plan, if permitted,
• roll over the assets to the new employer’s plan, if one is available and rollovers are permitted,
• rollover to an Individual Retirement Account (“IRA”), or
• cash out the account value (which depending upon the Client’s age, could result in adverse tax consequences). Our Firm may recommend a Client rollover plan assets to an IRA for which our Firm provides investment advisory services. As a result, our Firm and its advisors may earn an asset-based fee on the rolled assets. In contrast, a recommendation that a Client leave their plan assets with their previous employer or rollover the assets to a plan sponsored by a new employer will generally result in no compensation to our Firm. Therefore, our Firm has an economic incentive to encourage a Client to roll plan assets into an IRA that our Firm will manage, which presents a conflict of interest. To mitigate the conflict of interest, there are various factors that our Firm will consider before recommending a rollover, including but not limited to:
• the investment options available in the plan versus the investment options available in an IRA,
• fees and expenses in the plan versus the fees and expenses in an IRA,
• the services and responsiveness of the plan’s investment professionals versus those of our Firm,
• protection of assets from creditors and legal judgments,
• required minimum distributions and age considerations, and
• employer stock tax consequences, if any. The Chief Compliance Officer remains available to address client questions regarding the supervision and oversight of rollover and transfer assets. SEMINARS & WORKSHOPS Our Firm occasionally provides financial, retirement, estate, and college planning seminars. Seminars are always offered on an impersonal basis and do not focus on the individual needs of participants. CLIENT OBJECTIVES & RESTRICTIONS Our Firm tailors our investment management and advisory services continuously to meet the needs of our Clients. We seek to ensure Client portfolios are managed consistently with those needs and objectives in mind. We meet with Clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints, and other related factors relevant to managing their portfolios. Clients may impose reasonable restrictions on managing the accounts if the conditions do not impact the performance of a management strategy. WRAP FEE PROGRAM Our Firm does not sponsor or participate in a Wrap Program. ASSETS UNDER MANAGEMENT As of March 21, 2024, our Firm had $107,695, 940 in assets under management, all of which is managed on a discretionary basis.