Form CRS — Client Relationship Summary (Form ADV Part 3)

Introduction

Velira, LLC ("Velira," "we," or "us") is registered with the SEC or state securities authority — registration basis per counsel — coming soon as an investment adviser. Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences.

Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

What investment services and advice can you provide me?

We offer investment advisory and financial-planning services to retail investors through our software platform and, on our higher tiers, through a dedicated licensed professional. The platform aggregates the accounts you connect (read-only) and provides retirement and cash-flow projections, target asset-allocation and rebalancing analysis, tax-aware planning tools, and an AI-assisted assistant. On Velira Wealth and above, a dedicated CERTIFIED FINANCIAL PLANNER™ professional gives you personalized financial-planning and investment advice; Velira Tax adds a dedicated CPA for personal tax planning and personal Form 1040 filing; Velira Estate adds a dedicated Estate Planner.

We do NOT manage your account for you. Our advice is non-discretionary: we recommend, and you decide. Your investments stay in your own brokerage account at a broker you choose, and you place every trade yourself — either directly at your broker or by approving a specific order we route to your connected account through our service provider, SnapTrade. We never trade without your order-specific approval, we never hold your money or investments, and we never deduct fees from your investment accounts.

Monitoring: the platform refreshes your plan as your information and connected-account data update, and you can re-run any analysis at any time. On the Wealth, Tax, and Estate tiers your dedicated professional also reviews your plan and portfolio on an ongoing basis. We do not offer discretionary account monitoring because we do not manage accounts.

Account minimums: we do not require a minimum investment amount or minimum account size; access to a dedicated professional depends on your subscription tier.

For more detailed information, see our Form ADV Part 2A firm brochure (Items 4 and 7), available at www.adviserinfo.sec.gov (firm CRD firm CRD number — coming soon) and at https://www.velirafinance.com/legal.

CONVERSATION STARTERS — ask us: "Given my financial situation, should I choose an investment advisory service? Why or why not?" · "How will you choose investments to recommend to me?" · "What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?"

What fees will I pay?

You pay a flat annual subscription fee for your chosen tier. We do NOT charge fees based on the amount of money you invest (no assets-under-management fee), and we do NOT charge performance fees or commissions. Our tiers are: Velira OS — $2,000 per year plus a required one-time $1,000 white-glove onboarding fee (software, self-serve); Velira Wealth — $3,500 per year (adds your dedicated fiduciary CFP® professional); Velira Tax — $6,000 per year (adds your dedicated CPA, personal returns only); and Velira Estate — $9,500 per year (adds your dedicated Estate Planner). Each tier includes everything in the tier below it. All fees are billed annually, in advance, to your payment method through our billing processor, Stripe — never deducted from your investments. There is no free tier and no free trial.

Because our fee is flat, it does not grow if your account grows — but note the flip side: the fee does not shrink if your account shrinks, and a flat fee can represent a higher percentage of a smaller portfolio. Because the annual fee is billed in advance, if you end your subscription mid-year any refund of prepaid fees is governed by your agreement and our Refund Policy.

You will also pay costs to third parties (not to us): your own broker may charge commissions, transaction fees, or account fees, and any funds you buy (such as ETFs or mutual funds) have their own internal expenses. We receive no part of those charges.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

For more detailed information, see our Form ADV Part 2A firm brochure (Item 5).

CONVERSATION STARTER — ask us: "Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?"

What are your legal obligations to me when acting as my investment adviser? How else does your firm make money and what conflicts do you have?

When we act as your investment adviser, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the advice we provide you. Here are examples to help you understand what this means.

Examples of ways we make money and conflicts: we are paid flat annual subscription fees, so we have an incentive to keep you subscribed and to encourage you to upgrade to a higher tier. We do not earn more if you invest more, trade more, or buy particular products, because we charge no asset-based fees and no commissions and we accept no payments from brokers, fund sponsors, or other third parties. We address our conflicts through our fiduciary duty, our Code of Ethics, and the disclosures in our Form ADV Part 2A.

How else do we make money? We don't. Our only revenue from the advisory relationship is the subscription and onboarding fees described above.

For more detailed information, see our Form ADV Part 2A firm brochure (Items 5, 10, 11, 12, and 14).

CONVERSATION STARTER — ask us: "How might your conflicts of interest affect me, and how will you address them?"

How do your financial professionals make money?

Our financial professionals — including the dedicated CFP® professionals, CPAs, and Estate Planners who serve our higher tiers — are compensated by the firm through compensation method — e.g., salary and/or owner distributions — coming soon. They are not paid commissions, transaction-based compensation, performance fees, or sales-contest awards, and their pay does not depend on the amount of assets you hold, the products you buy, or how often you trade. This design reduces incentives that could conflict with your interests.

Do you or your financial professionals have legal or disciplinary history?

No. Neither our firm nor our financial professionals has legal or disciplinary history to report. Visit Investor.gov/CRS for a free and simple search tool to research us and our financial professionals. confirm the "No" answer against the firm's and each professional's CRD/IAPD record before filing — coming soon.

CONVERSATION STARTER — ask us: "As a financial professional, do you have any disciplinary history? For what type of conduct?"

Additional Information

For additional information about our investment advisory services, see our Form ADV Part 2A firm brochure and brochure supplements at www.adviserinfo.sec.gov (firm CRD firm CRD number — coming soon). This relationship summary and all of our legal disclosures are available at https://www.velirafinance.com/legal.

To request up-to-date information or a copy of this relationship summary, contact us at legal@velirafinance.com or call firm phone — coming soon.

CONVERSATION STARTERS — ask us: "Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer?" · "Who can I talk to if I have concerns about how this person is treating me?"