Our firm is dedicated to providing individuals and other types of clients with a wide array of investment advisory services. Our firm is a limited liability company formed under the laws of the State of Texas in 2018 and has been in business as an investment adviser since that time. Our firm is wholly owned by David Menard. The purpose of this Brochure is to disclose the conflicts of interest associated with the investment transactions, compensation and any other matters related to investment decisions made by our firm or its representatives. As a fiduciary, it is our duty to always act in the client’s best interest. This is accomplished in part by knowing our client. Our firm has established a service-oriented advisory practice with open lines of communication for many different types of clients to help meet their financial goals while remaining sensitive to risk tolerance and time horizons. Working with clients to understand their investment objectives while educating them about our process, facilitates the kind of working relationship we value. Types of Advisory Services Offered Wrap Asset Management: Please see our Form ADV Part 2A Appendix 1 (“Wrap Fee Program Brochure”) for information regarding our Wrap Asset Management services. Financial Planning & Consulting: Our firm provides a variety of standalone financial planning and consulting services to clients for the management of financial resources based upon an analysis of current situation, goals, and objectives. Financial planning services will typically involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Corporate Structure, Real Estate Analysis, Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, or Business and Personal Financial Planning. Written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. Implementation of the recommendations will be at the discretion of the client. Our firm provides clients with a summary of their financial situation, and observations for financial planning engagements. Financial consultations are not typically accompanied by a written summary of observations and recommendations, as the process is less formal than the planning service. Assuming that all the information and documents requested from the client are provided promptly, plans or consultations are typically completed within 12 months of the client signing a contract with our firm. Retirement Plan Consulting: Our firm provides retirement plan consulting services to employer plan sponsors on an ongoing basis. Generally, such consulting services consist of assisting employer plan sponsors in establishing, ADV Part 2A – Firm Brochure Page 5 The Menard Financial Group, LLC monitoring and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising may include:
• Establishing an Investment Policy Statement – Our firm will assist in the development of a statement that summarizes the investment goals and objectives along with the broad strategies to be employed to meet the objectives.
• Investment Options – Our firm will work with the Plan Sponsor to evaluate existing investment options and make recommendations for appropriate changes.
• Asset Allocation and Portfolio Construction – Our firm will develop strategic asset allocation models to aid Participants in developing strategies to meet their investment objectives, time horizon, financial situation and tolerance for risk.
• Investment Monitoring – Our firm will monitor the performance of the investments and notify the client in the event of over/underperformance and in times of market volatility.
• Participant Education – Our firm will provide opportunities to educate plan participants about their retirement plan offerings, different

investment options, and general guidance on allocation strategies. In providing services for retirement plan consulting, our firm does not provide any advisory services with respect to the following types of assets: employer securities, real estate (excluding real estate funds and publicly traded REITS), participant loans, non-publicly traded securities or assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). All retirement plan consulting services shall be in compliance with the applicable state laws regulating retirement consulting services. This applies to client accounts that are retirement or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and our firm accepts appointment to provide services to such accounts, our firm acknowledges its fiduciary standard within the meaning of Section 3(21) or 3(38) of ERISA as designated by the Retirement Plan Consulting Agreement with respect to the provision of services described therein. Our firm's Fee-Based annuity program, as a part of our Retirement Plan Consulting Service, provides investment advisory services, including the selection, management, and monitoring of the Annuity investment, to Clients using fee-based annuity contracts. An annuity contract is an insurance contract between a purchaser and insurance carrier. If appropriate, the Client can purchase an annuity that allows the Client to select a protection level, a growth strategy and a market index. Clients authorize our firm to monitor and manage their annuity contracts consistent with the Client's states investment objective(s). Our firm's Fee-Based annuity program features a fee-based annuity product from an industry leader. Client chooses to have our firm assist in the selection of Client's fee-based annuity contract as well as the management and on-going monitoring. Tailoring of Advisory Services General investment advice will be offered to our Financial Planning & Consulting clients. ADV Part 2A – Firm Brochure Page 6 The Menard Financial Group, LLC Participation in Wrap Fee Programs Our firm offers and sponsors a wrap fee program. Asset Management services are only offered through wrapped accounts, which are managed on an individualized basis according to the client’s investment objectives, financial goals, risk tolerance, etc. Please see our Part 2A, Appendix 1 (the “Wrap Fee Program Brochure”) for more information. Separately Managed Accounts When appropriate, we have the ability to provide advisory services through certain programs sponsored by other investment advisory firms in the form of separately managed accounts. Separately managed account services will be provided as a part of our firm’s Wrap Asset Management service. Our firm provides advisory programs from the following independent investment advisers:
• Cumberland Advisors Our firm will deliver to Client the Form ADV Part 2 brochures and/or applicable Wrap Fee Program brochures of firms that sponsor the separately managed account services that Client is engaged in, which contain information on the advisory services and fees that apply, the types of investments available in the programs and the potential conflicts of interest presented by the programs. Upon request, our firm may also deliver the Form ADV Part 2 brochures and applicable Wrap Fee Program brochures of all sponsors of separately managed account services we offer. Collateral Accounts Clients may from time to time pledge their wrap accounts as collateral for a loan under an agreement with an independent third-party lender. On the client’s part, this is a permissible transaction. Our firm will work with the third-party lender to secure the collateral position of client account(s). Our firm will not be liable for and will not incur any transaction costs related to these collateral agreements and the costs to implement them. Our firm does not receive any compensation from the client or third-party lender for this arrangement. Regulatory Assets Under Management Our firm manages $381,419,710 on a discretionary basis and $2,411 on a non-discretionary basis as of 12/31/2023.