Description of Firm SFI Advisors, LLC is a registered investment adviser headquartered in Montclair, New Jersey. We are organized as a limited liability company ("LLC") under the laws of the State of New Jersey. SFI Advisors has been approved as a registered investment advisor since April 2017, while ownership and senior management have been in the securities industry and providing investment advisory services to clients for over thirty years.
The following paragraphs describe our services and fees. Refer to the description of each client service listed below for information on how we tailor our advisory services to your specific needs and specific goals. As used in this brochure, the words "we," "our," and "us" refer to SFI Advisors, LLC and the words "you," "your," and "client" refer to you as either a client or prospective client of our firm.
Investment Portfolio Management Services We offer discretionary investment portfolio management services tailored to meet our clients' specific goals and investment objectives. Prior to making investment recommendations, we gather information about your financial situation and assist you in clarifying your investment goals, objectives, risk tolerance, and time horizon. With this framework we develop an investment portfolio designed to support your goals. When you participate in our discretionary investment portfolio management services, we require you to grant our firm discretionary authority to manage your account. Discretionary authorization allows SFI Advisors to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm and the appropriate trading authorization forms.
You may limit our discretionary authority (for example, limiting the types of securities that can be purchased or sold for your account) by providing our firm with your restrictions and guidelines in writing.
Financial Planning Services We offer financial planning services to clients regarding the management of their financial resources based upon an analysis of their individual circumstancess. Services can range from broad-based strategic financial planning to tactical, single subject matter planning. The subjects we address may include, but are not limited to, financial organization, risk assessment, investment planning, retirement planning, education funding, and financial decision making. If you retain SFI Advisors for financial planning services, we will meet with you to gather information about your financial circumstances and objectives. We may use financial planning tools and software to illustrate your current financial position and to further define and quantify your long-term goals. Once we frame your long-term objectives (both financial and non-financial), we next develop targeted, shorter-term objectives. As we organize, review and analyze the information you provide, we will deliver a written plan to you, designed to help you achieve your stated financial goals and objectives.
Financial plans are tailored to your financial situation at the time we present the plan to you, and based on the financial information you provide to us. You must promptly notify SFI Advisors if your financial situation, goals, objectives, or needs change.
4 You are under no obligation to act on our financial planning recommendations. Should you choose to act on any of our recommendations, you are not obligated to implement the financial plan through any of our other investment advisory services. Moreover, you may act on our recommendations by placing securities transactions with any brokerage firm.
Corporate Retirement Plan services We offer 401k and Corporate Retirement Plan consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include:
•Financial and Actuarial Analysis
•Plan Design Strategies and Analysis
•Fiduciary Consulting
•Plan Level Investment Advice
•Employee Education Services In providing plan-level investment advice, we acknowledge that we are a "fiduciary" with respect to assets of the Plan as ERISA defines that term under Section 3(21)(A)(ii) to the extent it renders investment advice with respect to any moneys or property of such Plan, or has the authority or responsibility to render such investment advice. To the extent we are a fiduciary, we acknowledge that we are subject to and will at all times exercise the standard of fiduciary responsibility set forth in Title 1, Subtitle B, Part 4 of ERISA. Our Corporate Retirement Plan consulting services will generally be non-discretionary and

advisory in nature. The ultimate decision to act on behalf of the plan shall remain with the plan sponsor or other named fiduciary.
We may also provide additional types of pension consulting services to plans on an individually negotiated basis. All services, whether discussed above or customized for the plan based upon requirements from the plan fiduciaries (which may include additional plan-level or participant-level services) shall be detailed in a written agreement and be consistent with the parameters set forth in the plan documents.
Either party to the pension consulting agreement may terminate the agreement upon written notice to the other party in accordance with the terms of the agreement for services. The pension consulting fees will be prorated for the quarter in which the termination notice is given and any unearned fees will be refunded to the client.
Family Office Services We offer Family Office Services to help our affluent client organize their financial resources, collaborate with their advisory team, identify what is most important, and plan for the successful transfer of wealth in a tax-advantaged manner. Such services generally include financial planning in the following areas:
•Family and Business Continuity
•Estate Planning and Trustee Oversight
•Integrated Tax and Financial Planning
•Risk Management
•Family Philanthropy 5 Wrap Fee Programs We are not a portfolio manager nor sponsor of any wrap fee program. We do offer the Envestnet Wrap Fee Program to certain clients when deemed appropriate. A wrap fee program is a type of investment program that provides clients with access to several money managers or mutual fund asset allocation models for a single fee that includes administrative fees, management fees, and commissions. If you participate in Envestnet's wrap fee program, you will pay Envestnet a single fee, which includes our money management fees, certain transaction costs, and custodial and administrative costs. We receive a portion of the wrap fee for our services. The overall cost you will incur if you participate in Envestnet's wrap fee program may be higher or lower than you might incur by separately purchasing the types of securities available in the program.
Types of Investments We offer advice on equity securities, corporate debt securities (other than commercial paper), municipal securities, variable life insurance, variable annuities, mutual fund shares, money market funds, REITs and ETFs.
Additionally, we may advise you on various types of investments based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship. In some circumstances, SFI Advisors may have limited trading authority to buy and sell securities for clients in retail brokerage accounts. IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you.
When we provide 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 we are compensated creates some conflicts 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.
Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that we give advice that is in your best interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Assets Under Management 6 As of February 27, 2024, we provide continuous management services for $142,000,000 in client assets on a discretionary basis and $97,000,000 in client assets on a non-discretionary basis.