A. Firm Information Bayridge Financial Group, Inc. (“Bayridge” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”), which is organized as a Corporation under the laws of the State of New York. Bayridge was founded in November 2005 and became a registered investment advisor in April 2018. Bayridge is owned and operated by Shane H. Siederman (Partner) and Jason D’Amelio (Partner and Chief Compliance Officer). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Bayridge. B. Advisory Services Offered Bayridge offers investment advisory services to individuals, high net worth individuals, trusts, and estates (each referred to as a “Client”). Investment Management Services Bayridge provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and related advisory services. Bayridge works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create an investment strategy for the Client. Bayridge will implement the investment strategy with its internal management and/or the use of unaffiliated money managers or investment platforms (as described below). Internal Investment Management - Bayridge customizes its investment management services for its Clients. Portfolios are primarily constructed using exchange-traded funds (“ETFs”), passive and active mutual funds, individual stocks and/or individual fixed income securities. The Advisor may also utilize other types of investments, as appropriate, to meet the needs of each particular Client. Bayridge generally employs a long-term investment approach for Clients, but may buy, sell or re-allocate positions that have been held less than one year to meet the objectives of the Client or due to market conditions. Bayridge will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Bayridge evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Bayridge may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Bayridge may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. Bayridge may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will Bayridge accept or maintain custody of a Client’s funds or securities, except for authorized deduction of the Advisor’s fees.

All Client assets will be managed within their designated account[s] at the Custodian, pursuant to the Client Investment Advisory Agreement. Please see Item 12 – Brokerage Practices for additional information. Use of Independent Managers - Bayridge may recommend to Clients that all or a portion of their investment portfolio be implemented by utilizing one or more unaffiliated money managers or investment platforms (collectively “Independent Managers”). Independent Managers may be sourced directly or accessed through an investment management platform. The Client will be required to enter into a separate agreement with the Independent Manager[s]. Bayridge serves as the Client’s primary advisor and relationship manager. However, the Independent Manager[s] Page 5 will assume discretionary authority for the day-to-day investment management of those assets placed in their control. Bayridge will assist and advise the Client in establishing investment objectives for their account[s], the selection of the Independent Manager[s], and defining any restrictions on the account[s]. Bayridge will continue to provide oversight of the Client’s account[s] and ongoing monitoring of the activities of these unaffiliated parties. The Independent Manager[s] will implement the selected investment strategies based on their investment mandates. The Client may be able to impose reasonable investment restrictions on these accounts, subject to the acceptance of these third parties. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Form ADV Part 2A (or a brochure that makes the appropriate disclosures) of those parties. Bayridge does not receive any compensation from these Independent Managers or Investment Platforms, other than Bayridge’s investment advisory fee (described in Item 5). C. Client Account Management Prior to engaging Bayridge to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor and/or Independent manager[s] that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy – Bayridge, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives, taking into consideration the Client’s financial situation, time horizon, and tolerance for risk.
• Asset Allocation – Bayridge will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation and tolerance of risk for each Client.
• Portfolio Construction – Bayridge will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – Bayridge will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Bayridge does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Bayridge. E. Assets Under Management Assets under management are roughly $67,500,000 as of December 31, 2023 fiscal year end. Clients may request more current information at any time by contacting the Advisor.