Kilter Group LLC

•    Item 5: Fees and Compensation
                   o The firm has updated the fee range for estate planning services. Clients who utilize the
                      estate planning services through our third-party will be charged a flat fee ranging between
                      $1,000 - $3,000, as defined in the Financial Planning Services Agreement.

     ANNUAL UPDATE
     The Material Changes section of this brochure will be updated annually or when material changes occur
     since the previous release of the Firm Brochure. Each year, we will ensure that you receive a summary
     of any material changes to this and subsequent brochures by April 30th. We will further provide you with
     our most recent brochure at any time at your request, without charge. You may request a brochure by
     contacting us at 646-438-6557.

                                                                                                  June 22, 2026      2

I T E M           3 -      T A B L E               O F        C O N T E N T S

Item 1 - Cover Page ................................................................................................................................................ 1
Item 2 - Material Changes ...................................................................................................................................... 2
Item 3 - Table of Contents ...................................................................................................................................... 3
Item 4 - Advisory Business ..................................................................................................................................... 4
Item 5 - Fees and Compensation ......................................................................................................................... 10
Item 6 - Performance-Based Fees and Side-By-Side Management ................................................................... 14
Item 7 - Types of Clients ....................................................................................................................................... 14
Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss ............................................................... 14
Item 9 - Disciplinary Information ........................................................................................................................... 22
Item 10 - Other Financial Industry Activities and Affiliations ................................................................................ 22
Item 11 - Code of Ethics, Participation or Interest in Client Transactions and Personal Trading.................. 24
Item 12 - Brokerage Practices ............................................................................................................................ 24
Item 13 - Review of Accounts ............................................................................................................................ 27
Item 14 - Client Referrals and Other Compensation.................................................................................... 28
Item 15 - Custody ............................................................................................................................................... 29
Item 16 - Discretion............................................................................................................................................ 29
Item 17 - Voting Client Securities .................................................................................................................... 29
Item 18 - Financial Information ......................................................................................................................... 30

                                                                                                                                                June 22, 2026            3

I T E M   4 -   A D V I S O R Y          B U S I N E S S

     This Disclosure document is being offered to you by Kilter Group LLC (“Firm” or “Kilter Group”) about the
     investment advisory services we provide. It discloses information about our services and the way those
     services are made available to you, the client.

     We are an investment management firm located in Rhinebeck, NY. Kilter Group was registered with the
     SEC in April 2024. Dyer B. McCabe, Jr. is the Managing Member of the firm. Andrea V. Farruggio is the
     Chief Compliance Officer of the firm.

     We are dedicated to assisting clients to build, grow, manage, and safeguard their wealth. Our aim is to
     offer guidance that enables clients to realize their financial objectives effectively. Specializing in
     investment for financial independence, which includes retirement investing and income replacement
     strategies. We tailor our services to meet your specific needs. We offer an initial complimentary meeting
     upon our discretion; however, our investment advisory services commence only after you and Kilter
     Group execute an Investment Management Agreement, ensuring a clear and mutual understanding of
     our partnership.

     INVESTMENT MANAGEMENT SERVICES
     We manage advisory accounts on a discretionary and non-discretionary basis. For discretionary
     accounts, once we determine a client’s profile, income need, and investment plan, we execute the day-
     to- day transactions with or without prior consent. Account supervision is guided by the client’s written
     profile and investment plan. We may accept accounts with certain restrictions if circumstances warrant.
     We primarily allocate client assets among various mutual funds, exchange-traded funds (“ETFs”),
     alternatives, cash, and individual debt (bonds) and equity securities in accordance with their stated
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