Firm Description INTEGRATED FINANCIAL CONSULTING, LLC (hereafter may be referred to as "the Firm" or "IFC") provides fee-only financial planning and investment management services. The Firm has been in business since 2001. J. Marc Vorchheimer is the Firm's principal owner. INTEGRATED FINANCIAL CONSULTING does not sell annuities, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The Firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. When INTEGRATED FINANCIAL CONSULTING provides 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 INTEGRATED FINANCIAL CONSULTING earns its fee at times can present a conflict 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. Types of Advisory Services INTEGRATED FINANCIAL CONSULTING provides personalized confidential financial planning and investment management services to individuals, pension and profit- sharing plans, trusts, estates, charitable organizations and small businesses. IFC may provide financial planning and investment management services either separately or together in a comprehensive manner. INTEGRATED FINANCIAL CONSULTING may also provide advice on non-securities matters. Generally, this is in connection with the rendering of tax planning, estate planning assistance, insurance, and/or annuity advice. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. IFC does not provide legal advice or sell insurance products. Initial public offerings (IPOs) are not available through INTEGRATED FINANCIAL CONSULTING. Financial Planning Services Financial planning advice is provided after consultation with the Client. Clients receiving this service will receive written recommendations designed to achieve their stated financial goals and objectives. In general, the financial planning process will address any or all of the following areas of concern to the Client:
• PERSONAL: Family records, budgeting, personal liability, estate information and financial goals.
• TAX & CASH FLOW: Income tax and spending analysis and planning for past, current and future years. INTEGRATED FINANCIAL CONSULTING will illustrate the impact of various investments on a client's current income tax and future tax liability.
• DEATH & DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis
• RETIREMENT: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals.
• INVESTMENTS: Analysis of investment alternatives and their effect on a client's portfolio. Clients can also

receive financial planning services on a more limited basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, or other specific topics. Financial plans and/or consulting recommendations are not limited to any specific product or service offered by a broker dealer or insurance company. All recommendations are based on the best interest of the client. Investment Management Services For clients receiving investment management services, INTEGRATED FINANCIAL CONSULTING will create an investment strategy according to the Client's stated investment objectives and risk tolerance. INTEGRATED FINANCIAL CONSULTING will typically use mutual funds, ETFs, individual securities and bonds in a client's account. INTEGRATED FINANCIAL CONSULTING accepts only non-discretionary authority in providing investment management services. Meaning, INTEGRATED FINANCIAL CONSULTING will obtain client's consent before effecting any transactions in a client's account. The client retains the responsibility to keep INTEGRATED FINANCIAL CONSULTING informed of any material changes to Client's objectives, needs, and goals as they pertain to investment management. Unless the client has identified in the Investment Objectives to the contrary, there are no restrictions imposed upon the firm with respect to the management of the client's account. The fee for investment management services is provided to the client in writing in the client agreement prior to the start of the relationship. Client relationships may exist where the fees are higher or lower than for other clients. Although investment management contemplates an ongoing agreement, the length of service is at the client’s discretion. Wrap Fee Programs INTEGRATED FINANCIAL CONSULTING does not manage or place Client assets into a wrap fee program. Assets Under Management As of December 31, 2023, INTEGRATED FINANCIAL CONSULTING had approximately $93,480,000 in assets under management. All assets are managed on a non- discretionary basis. Tailored Relationships Services are provided based on the individual needs of each client and vary in length and scope. We work with each client on a one-on-one basis through interviews and questionnaires to determine the client’s investment objectives and suitability. Agreements may not be assigned without client consent. Termination of Engagements The client or INTEGRATED FINANCIAL CONSULTING may terminate any agreement at any time by written notice to the other party. A client may terminate any agreement without penalty or fee within five business days of entering into the agreement. After five days, any unearned fee at the time of termination will be promptly refunded to the client, and any fee owing by the client is immediately due and payable. For clients receiving investment management services, following termination of an engagement, it is the client or their legal representative's responsibility to ensure an immediate transfer is completed of any portfolio, account, or residual to the receiving service provider.