Kristen E. Coombs LLC utilizes the marketing name of InVested Advisors (“InVested” or the “Advisor”) and is a SEC Registered Investment Advisor located in State College, Pennsylvania. InVested was founded in 2020 and is owned and operated by Kristen E. Coombs. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by InVested. InVested provides financial planning, investment management, and consulting services to individuals, high net worth individuals and businesses (each a “Client”). Services are offered in several areas of a Client’s financial situation, depending on their goals, objectives and financial situation. Financial Planning Services InVested provides a variety of financial planning services to individuals and families. Services are offered in several areas of a Client’s financial situation, depending on their goals, objectives and financial situation. We believe that a financial life plan is a living, breathing document and should not be viewed as something you “set and forget”. Goals change, people change, life happens. We work together with our clients throughout the planning process, beginning with goal setting through fact gathering and ultimately the design of their financial life plan. Goal based investment strategies are created that align with each individual financial goal such as retirement income, estate planning and charitable giving. Efficient tax management strategies are incorporated throughout the planning process. Once a blueprint is created, the plan is revisited on a regular basis. Financial plans will be prepared with the assistance of the eMoney software program. Financial planning recommendations may pose a potential conflict between the interests of the Advisor and the interests of the Client. For example, a recommendation to engage the Advisor for investment management services or to increase the level of investment assets with the Advisor would pose a conflict, as it would increase the advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to effect the transaction through the Advisor. Investment Management Services InVested provides regular and continuous advice to Clients regarding the investment of Client funds based on the individual needs of the Client. Through personal discussions in which goals and objectives based on a Client's particular circumstances

are established, we develop a personal investment strategy. We then create and manage a portfolio based on that strategy. During our data-gathering process, we determine the Client’s individual objectives, goals, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review and discuss a Client's prior investment history, as well as family composition and background. InVested manages advisory accounts on a discretionary basis through the use of third-party managers. When we manage assets through a third-party manager, we may not be able to consider specific investment restrictions, as we will not be the one trading the account. We can discuss such restrictions with the third- party manager. InVested may also recommend a sub-adviser for asset management services. In such cases, the sub-adviser will be responsible for continuously monitoring client accounts and making trades in client accounts when necessary. While the chosen sub-adviser will provide advice on specific securities and/or other investments in connection with this service, InVested may have discretionary authority to hire and fire such managers and reallocate assets among them as deemed appropriate. InVested will assist the Client with identifying investment objectives and risk tolerance, and, in turn, retain sub-advisers in relation to the stated investment objectives and risk tolerance. As a result, we allocate a portion of the total fee charged and collected from you to the sub-adviser as compensation for their direct management of your account. This creates a conflict of interest as it gives InVested an incentive to recommend sub-advisers based on compensation received or to not recommend sub- advisers based on the loss of compensation to the sub-adviser. To mitigate this conflict, when hiring a sub-adviser, the Client’s best interest will be the main determining factor of InVested. InVested may invite Clients to invest in private placements only if the respective investment is appropriate for the Client. InVested does not place Client assets into a wrap fee program. Retirement Plan Services InVested works with plan sponsors on their retirement plan needs on a non-discretionary basis. InVested provides services such as non-discretionary investment management services and employee education on general investment principles. Assets Under Management As of December 31, 2022, the Firm has $167,913,275 of assets under management for a total of 496 accounts, $154,057,691 is managed on a discretionary basis for 484 accounts with the remainder of assets and accounts being managed on a non-discretionary basis.