FinancialStrategiesGroup,Inc.(or“FSG”,the“firm”,“we”,“us”,and“our”)isdedicatedtoproviding individualsandothertypesofclientswithawidearrayofinvestmentadvisoryservices.Ourfirmis whollyownedbyBrandonCarterandBriceCarter.Ourfirmisacorporationformedunderthelaws oftheStateofMichiganin2017.WecurrentlyhaveofficesinOkemosandFenton,Michigan.
Ourfirmprovidesassetmanagementandinvestmentconsultingservicesformanydifferenttypesof clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons.Asfiduciaries,itisourdutytoalwaysactintheclient’sbestinterest.Thisisaccomplished inpartbyknowingtheclient.Ourfirmhasestablishedaservice-orientedadvisorypracticewithopen lines of communication. Working with clients to understand their investment objectives while educatingthemaboutourprocessfacilitatesthekindofworkingrelationshipwevalue.
TypesofAdvisoryServicesOffered PortfolioManagement: As part of our Portfolio Management services, Clients may be provided with standalone asset managementoracombinationofassetmanagementandfinancialplanningorconsultingservices.
Thisserviceisdesignedtoassistclientsinmeetingtheirfinancialgoalsthroughtheuseofafinancial planorconsultation.Ourfirmconductsclientmeetingsatleastannuallytounderstandtheircurrent financialsituation,existingresources,financialgoals,andtoleranceforrisk.Basedonwhatislearned, an investment approach is presented to the client that may consist of individual stocks, bonds, Exchange Traded Funds (“ETFs”), mutual funds, and other investments. Once the appropriate portfoliohasbeendetermined,portfoliosarecontinuouslyandregularlymonitoredand,ifnecessary, rebalancedbasedontheclient’sneeds,statedgoals,andobjectives.Uponclientrequest,ourfirm providesasummaryofobservationsandrecommendationsforthisservice'splanningorconsulting aspects.
AspartofourPortfolioManagementservice,ourfirmmayutilizethesub-advisoryservicesofathird- partyinvestmentadvisoryfirms(“Sub-Advisers”)orseparatelymanagedaccount(“SMA”)toaidin theimplementationofaninvestmentportfoliodesignedbyourfirm.BeforeselectingaSub-Advisers orSMA,ourfirmwillensurethatthechosenpartyisproperlylicensedorregistered.
FinancialPlanning&Consulting: Ourfirmprovidesavarietyofstandaloneandongoingfinancialplanningandconsultingservicesto clientsforthemanagementoffinancialresourcesbaseduponananalysisofcurrentsituation,goals, and objectives. Financial planning services will typically involve preparing a financial plan or renderingafinancialconsultationforclientsbasedontheclient’sfinancialgoalsandobjectives.This planningorconsultingmayencompass.Writtenfinancialplansorfinancialconsultationsrendered toclientsusuallyincludegeneralrecommendationsforacourseofactivityorspecificactionstobe takenbytheclients.Implementationoftherecommendationswillbeatthediscretionoftheclient.
Ourfirmprovidesclientswithasummaryoftheirfinancialsituation,andobservationsforfinancial planningengagements.Financialconsultationsarenottypicallyaccompaniedbyawrittensummary of observations and recommendations, as the process is less formal than the planning service.
Assumingthatalltheinformationanddocumentsrequestedfromtheclientareprovidedpromptly, ADVPart2A–FirmBrochurePage6FinancialStrategiesGroup,Inc plansorconsultationsaretypicallycompletedwithin6monthsoftheclientsigningacontractwith ourfirm.
RetirementPlanConsulting: Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing basis.Generally,suchconsultingservicesconsistofassistingemployerplansponsorsinestablishing, monitoringandreviewingtheircompany'sparticipant-directedretirementplan.Astheneedsofthe plan sponsor dictate, areas of advising could include investment options, plan structure and participanteducation.RetirementPlanConsultingservicestypicallyinclude: ● EstablishinganInvestmentPolicyStatement–Ourfirmwillassistinthedevelopmentofa statement that summarizes the investment goals and objectives along with the broad strategiestobeemployedtomeettheobjectives. ● Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investmentoptionsandmakerecommendationsforappropriatechanges. ● AssetAllocationandPortfolioConstruction–Ourfirmwilldevelopstrategicassetallocation modelstoaidParticipantsindevelopingstrategiestomeettheirinvestmentobjectives,time horizon,financialsituation,andtoleranceforrisk. ● Investment Monitoring – Our firm will monitor the performance of the investments and notifytheclientintheeventofover/underperformanceandintimesofmarketvolatility. All retirement plan consulting services shall be in compliance with the applicable state laws regulatingretirementconsultingservices.Thisappliestoclientaccountsthatareretirementorother employeebenefitplans(“Plan”)governedbytheEmployeeRetirementIncomeSecurityActof1974, asamended(“ERISA”).IftheclientaccountsarepartofaPlan,andourfirmacceptsappointmentto provideservicestosuchaccounts,ourfirmacknowledgesitsfiduciarystandardwithinthemeaning of Section 3(21) as designated by the Retirement Plan Consulting Agreement with respect to the provisionofservicesdescribedtherein.
PonteraServices Our firm is engaged with Pontera, an unaffiliated third-party service provider, for Client accounts not directly held with our recommended Custodian; but where our team has discretion and leverages an Order Management System to implement asset allocation or rebalancingstrategiesonbehalfoftheClient.Theseareprimarily401(k)accounts,403(b) accounts, 529 plans, variable

annuities, and other assets not held with the recommended Custodian. We regularly review the current holdings and available investment options in these accounts, monitor the account, rebalance, and implement our Firm’s strategies as necessary.
TheplatformallowsustoavoidbeingconsideredtohavecustodyofClientfundssincewedo nothavedirectaccesstoClientlog-incredentialstoaffecttrades.Wearenotaffiliatedwith theplatforminanywayandreceivenocompensationfromthemforusingtheirplatform.A linkwillbeprovidedtotheClient,allowingthemtoconnectanaccount(s)totheplatform.
Once the Client account(s) is connected to the platform, Adviser will review the current account allocations and investment options. When we are authorized with discretionary management, we will rebalance the account, considering Client investment goals and risk tolerance,andanychangeinallocationswillconsidercurrenteconomicandmarkettrends.
The goal is to improve account performance over time, minimize loss during complex markets,andmanageinternalfeesthatharmaccountperformance.Clientaccount(s)willbe reviewedquarterly,andallocationchangeswillbemadeasnecessary.
ADVPart2A–FirmBrochurePage7FinancialStrategiesGroup,Inc DisclosureRegardingRolloverRecommendations: WearefiduciariesundertheInvestmentAdvisersActof1940,andwhenweprovideinvestment advicetoyouregardingyourretirementplanaccountorindividualretirementaccount,wearealso fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act or the InternalRevenueCode,asapplicable,whicharelawsgoverningretirementaccounts.Wehavetoact inyourbestinterestandnotputourinterestsaheadofyours.Atthesametime,howwemakemoney conflictswithyourinterests.
Aclientorprospectleavinganemployertypicallyhasfouroptionsregardinganexistingretirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’splan,ifpermitted,(ii)rollovertheassetstothenewemployer’splan,ifoneisavailable androlloversarepermitted,(iii)rollovertoanIndividualRetirementAccount(“IRA”),or(iv)cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences).OurfirmmayrecommendaninvestorrolloverplanassetstoanIRAforwhichour Firmprovidesinvestmentadvisoryservices.Asaresult,ourFirmanditsrepresentativesmayearn anasset-basedfee.Incontrast,arecommendationthataclientorprospectiveclientleavetheirplan assetswiththeirpreviousemployerorrollovertheassetstoaplansponsoredbyanewemployer willgenerallyresultinnocompensationtoourFirm.Ourfirmthereforehasaneconomicincentive toencourageaclienttorollplanassetsintoanIRAthatourFirmwillmanage,whichpresentsa conflictofinterest.Tomitigatetheconflictofinterest,therearevariousfactorsthatourFirmwill considerbeforerecommendingarollover,includingbutnotlimitedto:(i)theinvestmentoptions availableintheplanversustheinvestmentoptionsavailableinanIRA,(ii)feesandexpensesinthe plan versus the fees and expenses in an IRA, (iii) the services and responsiveness of the plan’s investmentprofessionalsversusthoseofourFirm,(iv)protectionofassetsfromcreditorsandlegal judgments,(v)requiredminimumdistributionsandageconsiderations,and(vi)employerstocktax consequences,ifany.FinancialStrategiesGroupdoesmaintainpoliciesandproceduresconcerning the Department of Labor (DOL) requirements promulgated under PTE 2020-02. Our firm’s Chief ComplianceOfficerremainsavailabletoaddressanyquestionsthataclientorprospectiveclienthas regardingtheoversight.
ReferralstoThird-PartyMoneyManagers: Ourfirmutilizestheservicesofathird-partymoneymanagerforthemanagementofclientaccounts.
Investmentadviceandtradingofsecuritieswillonlybeofferedbyorthroughthechosenthird-party moneymanager.Ourfirmwillnotofferadviceonanyspecificsecuritiesorotherinvestmentsin connectionwiththisservice.Priortoreferringclients,ourfirmwillprovideinitialduediligenceon third-partymoneymanagersandongoingreviewsoftheirmanagementofclientaccounts.Inorder to assist in the selection of athird-party money manager, our firm will gather client information pertainingtofinancialsituation,investmentobjectives,andreasonablerestrictionstobeimposed uponthemanagementoftheaccount.
Ourfirmwillperiodicallyreviewthird-partymoneymanagerreportsprovidedtotheclientatleast annually.Ourfirmwillcontactclientsfromtimetotimeinordertoreviewtheirfinancialsituation andobjectives,communicateinformationtothird-partymoneymanagersaswarranted,andassist theclientinunderstandingandevaluatingtheservicesprovidedbythethird-partymoneymanager.
Clients will be expected to notify our firm of any changes in their financial situation, investment objectives,oraccountrestrictionsthatcouldaffecttheirfinancialstanding.
ADVPart2A–FirmBrochurePage8FinancialStrategiesGroup,Inc TailoringofAdvisoryServices Our firm offers individualized investment advice to our Portfolio Management clients. General investmentadvicewillbeofferedtoourFinancialPlanning&Consulting,RetirementPlanConsulting, andReferralstoThird-PartyMoneyManagementclients.EachPortfolioManagementclienthasthe opportunitytoplacereasonablerestrictionsonthetypesofinvestmentstobeheldintheportfolio.
Restrictionsoninvestmentsincertainsecuritiesortypesofsecuritiesmaynotbepossibleduetothe levelofdifficultythiswouldentailinmanagingtheaccount.
ParticipationinWrapFeePrograms Ourfirmdoesnotofferorsponsorawrapfeeprogram.
RegulatoryAssetsUnderManagement AsofDecember31,2023,ourfirmmanagesapproximately$468,613,399onadiscretionarybasis andapproximately$0onanon-discretionarybasis.