Ownership Avior Wealth Management, LLC (“Avior”, “Advisor”, “the firm” or “we”) is an investment advisor registered with the U.S. Securities and Exchange Commission since December 4, 2008. The firm is a limited liability company formed under the laws of the State of Nebraska. The owners are Andrea P. McMahon, Rodney W. Goben, Britt E. Campbell, Stephen Esch, Elizabeth Sanley, Cynthia Bohrer, Jay Nelson, Scott Cavey, Josh Heiden, Steve Ryherd, Ryan Elkins, John Eaton, Michael Pflueger, Don Stanley, Larry Ennenga, Mark Pogreba, Joni Seaton, Bruce Kuehl, Jonathan Weintraub, Sandra Loewen, Leah Schmitz, Klaus Steinke, Nate Hahm, Chris Trub, Nate Hudson, Tim Mollak, Eric Hamilton, Curtis Smith, Roddy Warren, Laura Hendricks, Brian Goracke, Stephanie Flansburg, Stacy Kerns, Jake Fechner, Crystal Keller, Justin Chessmore, Penny Both, Nathaniel Jones, Kaite Holm, Dan Briggs, Jody Didamo, Morris Monroe, Karen Carter, Kelli Mehrens, Brandon Kanoy, Ryan McQuillan, Mary Kathryn Campion, Robert Frusina, Teresa Lindsay, Amy Gardner Chris Boothe. The firm offers financial planning, investment management and investment consulting services. The following are brief descriptions of our primary services. A detailed description is provided in Item 5, Fees and Compensation, so that clients and prospective clients (“client,” “clients” or “you”) can review the services and description of fees more thoroughly. Financial Planning Financial planning can be described as a process designed to help individuals achieve their financial goals. It generally consists of six steps: 1. Establish and define the client-planner relationship 2. Gather client data 3. Analyze and evaluate the clients’ current financial situation 4. Develop and present financial recommendations and alternatives 5. Set and implement strategies 6. Monitor the financial planning recommendations Comprehensive financial planning typically encompasses asset and liability management, cash flow assessment, risk management, retirement and investment strategies, estate and survivor planning, education planning, and tax planning. Our role as a financial planning firm is to understand our clients’ goals, situation, and feelings then manages the financial planning process to help them achieve their goals. Investment Management Services Avior’s investment management services provide clients with continuous and on-going supervision over their accounts. This means that the firm continuously monitor a client’s account and makes trades in that account when necessary. Investment Consulting Services Not all our clients desire comprehensive financial planning or active investment management. Some prefer to manage and monitor their investments themselves but may wish to periodically consult with an investment

or financial planning professional. For those clients, the firm offer an investment consultative relationship. Business Consulting The firm will provide on a contractual basis, business consulting services which can include the following: Business Continuity Planning, Executive Bonus and Retention, Corporate Retirement Plans, Annual Advisory Council development, Financial Wellness of the business, Succession Planning, Key Person Insurance and Strategy Sessions. Limits Advice to Certain Types of Investments Avior limits our investment advice to the following types of investments:
• Exchange-listed securities
• Securities traded over the counter.
• Corporate debt securities (other than commercial paper)
• Commercial paper
• Certificates of deposit
• Municipal securities
• Variable annuities
• Mutual fund shares
• Exchange traded funds
• United States government securities The firm also offers advice about any type of investment held in a portfolio at the beginning of the advisory relationship. Tailor Advisor Services to Individual Needs of Clients The firm’s services are always provided based on the specific needs of the individual client. Clients are given the ability to impose reasonable restrictions on their accounts, including specific investment selections and sectors. However, the firm will not enter an investment advisor relationship with a client whose investment objectives may be considered incompatible with our investment philosophy or strategies or where the prospective client seeks to impose unduly restrictive investment guidelines. Wrap-Fee Program versus Portfolio Management Program In traditional management programs, advisory services are provided for a fee, but transaction services are billed separately on a per-transaction basis. In wrap-fee programs, advisory services and transaction services are provided for one fee. We do not act as a portfolio manager of or sponsor any wrap fee programs. Corpus Capital Management In February 2021, the Firm adopted the use of the dba Corpus Capital Management. S.C. Financial Services In March 2023, the Firm adopted the use of the dba S.C. Financial Services. Navigator Securities Limited In June 2024, the Firm acquired changed the name of Navigator Securities Limited, to Navigator Securities Limited, a registered Broker / Dealer. Client Assets Managed by Advisor The number of clients’ assets managed by the firm totaled $3,986,353,586 as of March 15, 2024, with $3,640,608,586 managed on a discretionary basis and $345,745,000 managed on a non-discretionary basis. The firm also provides consulting and monitoring services to pensions plans and retirement plans.