About Souders Financial Advisors Since 1992, Souders Financial Advisors (hereinafter referred to as “SFA,” “Souders,” or “firm” and also doing business as Souders Financial Group, Strategic Capital Advisers, Bonaventura Wealth Advisors, and ClearPoint Advisors) has helped individuals, business owners, and corporations plan for their retirement needs. Souders submitted its registration to become an independent investment advisory firm in April of 2018. The firm is 100% privately owned with Daniel Souders, Brian Schweder, and Ryan Bonaventura as majority owners. SFA has three office locations in Cincinnati, Ohio (Bridgetown, Montgomery, and Mason). The firm provides investment advisory services to clients of all types including:  Individuals  High-net-worth individuals  Trusts  Pension plans and other ERISA plans  Foundations and endowments Types of Advisory Activities  Personal Wealth Management: SFA’s Personal Wealth Management serves individuals by creating a customized long-term strategy seeking to grow and preserve wealth according to lifestyle and risk factors. The firm’s planning process begins with a review of the client’s goals and objectives to help incorporate the personal investment approach. The firm is dedicated in helping their clients protect and manage their assets, preparing for retirement and unexpected events, and developing a legacy that benefits your loved ones and future generations. The process begins with a review of the client’s goals and objectives to help determine if the client is on track, and typically incorporates the following important areas.  Investment Planning: At SFA, our investment philosophy is centered on helping to protect and grow your assets as we help the clients pursue their most important goals. The firm believes that risk tolerance alone should not be the basis for investment selection. Considering risk tolerance without considering your goals is like traveling without a destination. Successful investing is rooted in the development of a Financial Plan, based on careful consideration of assets, goals, risks, and time horizon viewed together. At SFA, through the use of our model portfolios and other investments, as appropriate, our team of experienced financial advisors and portfolio managers seek to create an investment portfolio tailored to the client’s objectives that can help ensure your assets are strategically allocated, diversified and managed over time, and based on your needs and risk tolerance. The firm’s approach to investment advisory and portfolio management services helps ensure the client benefits not only from SFA’s collective experience, but the many perspectives and specialized expertise our individual team members bring in managing the client’s portfolio. In constructing the clients’ investment portfolio, we seek: Quality investments, offering tangible value and utility. Diversification through various assets, asset classes, investment management styles, and methodologies. Income generating investments that can provide an important component of total return, especially for investors in or nearing retirement.  Retirement Income Planning: SFA understands the unique needs and challenges investors face who are retired or about to retire. It’s important to understand how the client will structure their retirement income, how long the income will last, and which sources of income the client should tap into first to minimize taxes and maximize income potential. Through comprehensive planning, we can help you prioritize the clients’ goals and develop a strategy that seeks to protect and grow the clients’ retirement assets. Whether you are in the accumulation phase or have already retired, a comprehensive strategy is critical. SFA offers assistance to their clients in the following retirement plans and strategies: Retirement Income Planning 401(k)/IRA Rollovers Traditional and Roth IRAs SEP IRAs SIMPLE IRAs ERISA: 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 make money 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. SFA is capable of accepting fiduciary responsibility under Section 3(21) and as an investment manager under Section 3(38) of ERISA. The primary clients for these services will be institutions – pension, profit sharing and 401(k) plans, endowments, foundations and operating non-profits, such as healthcare organizations; as well as private clients, individuals, trusts and estates.  Insurance Planning: Insurance planning is a fundamental aspect of wealth planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that seeks to methodically evaluate all potential risk factors. SFA offers a diverse insurance package to their clients in order to protect themselves, their loved ones, their home, or their businesses against unexpected events.
Life insurance products offer a spectrum of death benefit protection, spousal coverage, and cash value accumulation feature for a variety of needs. Life insurance is also

used as an important estate planning tool, helping to ensure beneficiaries and heirs are not saddled with an undue estate tax burden. After a careful analysis of the client’s situation and objectives, the firm can help the client obtain the coverage that meets their needs, choosing among insurance programs from many of the nation’s leading providers. The ability to work and generate income is frequently the most valuable asset of our clients. Protecting it is paramount to achieving short-and long-term financial goals. Disability insurance helps guard the client’s income and lifestyle from unexpected interruptions during the working years of the client. Adequate disability coverage can ease the burden of lost income or wages while the client recovers from an accident or illness. It can also help to prevent the depletion of savings or being forced to sell investments at an inopportune time to raise cash for living expenses. Long-term care insurance helps pay for the care the client needs when they can no longer care for themselves. For many, long-term care insurance helps to preserve both independence and dignity, and may allow them to remain in their home while receiving the quality and level of care they require. It may also help protect their family’s financial future and their legacy. Long-term care insurance can help manage healthcare costs and reduce the impact of inflation, while helping to ensure the client’s healthcare needs, and those of loved ones, are covered well into the future. Adequate financial planning now can help prevent a lifetime of assets from falling short when the client needs them most.  Education Planning: Whether the client is paying tuition costs now or saving for a future goal, it is important to determine if their education strategy is compatible with achieving your retirement income and related financial objectives. Tax considerations and retirement income needs must be weighed and evaluated before choosing a specific strategy. 529 Education Savings Plans can be a good choice for many families seeking to set aside funds for future college or other education expenses on a tax-deferred basis. As independent advisors, we are under no pressure to recommend specific education savings programs or proprietary products of any type. Our only concern is which program best meets your needs.  Estate & Legacy Planning: Preserving wealth from one generation to the next can be complex and time- consuming. Guidance from a competent, experienced advisor can go a long way toward helping make sure the client’s financial success is shared with their family, friends, and the charitable organizations they designate. SFA assists clients articulate their estate planning goals and will work closely with their tax and legal advisors to help ensure the client’s financial strategy reflects their estate planning needs. Or, if the client prefers, SFA can provide a referral to outside professional advisors adept at the intricacies of estate and tax planning. Whether the client uses a trust or another method for accomplishing their long-term estate planning goals, we can assist the client in navigating and simplifying today’s complex estate planning landscape.  401k Plan Participant Education and Onboarding: SFA assists plan participants with comprehensive educational services as it relates to onboarding new participants into their retirement plans and helping the participants understand their plan design benefits, website portals and access to information, and the other tools and resources available from their retirement plan providers.  Tax Management: At a client’s direction, SFA assists clients in an effort to manage and reduce ordinary income and capital gains tax impact. Tax management services do not constitute tax advice. SFA can provide clients with a referral to an outside tax professional who can provide tax advice.  Schwab Administrative Trust Services: Trust services are available through Schwab Administrative Trust Services (“SATS”). SATS will serve as trustee, co-trustee, or agent for the trustee, while specializing in delegating investment management to financial advisors. This model allows our clients to utilize SATS to provide professional trust administrative services while we provide investment management services. SATS serves in an administrative corporate trustee role, providing all record keeping, accounting and tax preparation; also, SATS ensures that trusts are managed and distributions occur according to the terms of the trust document. Assets Under Management As of December 31, 2023 total assets under advisement were $924,254,425, while total assets under management were $889,941,825 ($668,500,922 on a discretionary basis plus $221,440,903 on a non- discretionary basis). Client Communications and Delivery of Documents Where appropriate, SFA may combine the mailing of client statements and other client correspondence and information for accounts that have a common address (householding). Client may revoke client’s consent at any time by contacting SFA in writing. If client chooses to revoke client’s consent, SFA will begin sending separate mailings within 30 days after receiving notice of revocation. In addition, from time to time, Adviser may be required to deliver certain documents to the client. Client, to the extent that client has email capability and/or web access, hereby consents to the Adviser’s use of electronic means, such as email, to make delivery of required and other documents. This delivery may include notification of the availability of such document(s) on a website, and client agrees that such notification will constitute “delivery.” In conjunction with the investment advisory agreement, the client will provide SFA with the client’s email address and keep this information current at all times by promptly notifying SFA of any change in email address.