Firm Information Christian Investment Advisors, Inc. d/b/a Christian Financial Advisors (“CFA”), is a Registered Investment Advisor located in the State of Texas, which is organized as a corporation under the laws of the State of Texas. Christian Investment Advisors was established in October 2012, as a sole proprietorship that was owned and operated by Robert N. Barber and was formerly known as “Robert N. Barber d/b/a Christian Investment Advisors”. Christian Investment Advisors, Inc. was reincorporated as a corporation in April 2017, and continues to be owned and operated by Robert N. Barber. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by CFA. Advisory Services Offered CFA offers investment advisory services to individuals, high net worth individuals, trusts, estates, charitable organizations, and corporate clients (each referred to as a “Client”). Account Portfolio Management CFA provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary investment management and consulting services. CFA works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio allocation. CFA will then construct a portfolio internally or using third-party managers. CFA constructs portfolios consisting primarily of equities, mutual funds and/or exchange-traded funds (“ETFs”) to seek to achieve the Client’s investment goals. The Advisor also offers other investment types as necessary to meet the needs of its Clients. CFA’s investment strategy is primarily long-term focused, but the Advisor 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. CFA 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 the acceptance by the Advisor. CFA strives to implement a Biblically Responsible Investing overlay into investment strategies whenever feasible. Biblically Responsible Investing works to integrate Scriptural guidelines with an investment portfolio. This method looks for companies to invest in that are making a positive impact on our society, as well as applying screening processes to avoid those that do not. If a company traded on a public exchange is publicly known to violate Biblical principles, Biblically Responsible Investing strives to stay clear from buying those companies directly through a separate managed account or indirectly through mutual funds and ETFs. CFA uses third party sources and internal processes to screen investments. CFA evaluates and selects securities for inclusion in Client portfolios only after applying their internal due diligence process. CFA will recommend, on occasion, redistributing investment allocations to diversify the portfolio. CFA recommends, if appropriate, specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement, which could adversely affect the portfolio. CFA will recommend, if appropriate, 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. CFA will provide investment advisory services and portfolio management services and will not provide securities custodial or other administrative services. All Client assets will be managed within their designated brokerage account or pension account, pursuant to the Client Investment Advisory Agreement. In all cases, clients have a direct and beneficial interest in their securities, rather than an undivided interest in a pool of securities. We do have limited authority to direct the Custodian to deduct our investment advisory fees from your accounts, but only with the appropriate written authorization from clients. Where appropriate, we provide advice about any type of legacy position held in client portfolios. Typically, these are assets that are ineligible to be custodied at our primary custodian. Clients will engage us to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance, annuity contracts, and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). You are advised and are expected to understand that our past performance is not a guarantee of future results. Certain market and economic risks exist that adversely affect an account’s performance. This could result in capital losses in your account. Disclosure Regarding Rollover Recommendations A client or prospect leaving an employer typically has four options regarding an existing retirement plan (and may engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) rollover to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). Our Firm may recommend an investor roll over plan assets to an IRA for which our Firm provides investment advisory services. As a result, our Firm and its representatives will earn an asset-based fee. In contrast, a recommendation that a client or prospective client leave their plan assets with their previous employer or roll over the assets to a plan sponsored by a new employer will generally result in no compensation to our Firm. Our Firm therefore has an economic incentive to encourage a client to roll plan assets into an IRA that our Firm will manage, which presents a conflict of interest. To mitigate the conflict of interest, there are various factors that our Firm will consider before recommending a rollover, including but not limited to: (i) the investment options available in the plan versus the investment options available in an IRA, (ii) fees and expenses in the plan versus the fees and expenses in an IRA, (iii) the services and responsiveness of the plan’s investment professionals versus those of our Firm, (iv) protection of assets from creditors and legal judgments, (v) required minimum distributions and age considerations, and (vi) employer stock tax consequences, if any. All rollover recommendations are also reviewed by our Firm’s Chief Compliance Officer in a best effort to determine that the recommendation to a client was reasonable or that the client has determined to make the rollover after being provided ample information about their options. No client is under any obligation to roll over plan assets to an IRA advised by our Firm or to engage our Firm to monitor and/or advise on the account while maintained with the client's employer. Our Firm’s Chief Compliance Officer remains available to address any questions that a client or prospective client has regarding this disclosure. We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also 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. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. Financial Planning CFA will typically provide a variety of financial planning services to individuals and families, pursuant to a written Financial Planning Agreement. Services are offered in several areas of a Client’s financial situation, depending on their goals, objectives, and financial situation. Generally, such financial planning services will 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 one or more areas of need, including, but not limited to investment planning, retirement planning, personal savings, education savings and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to, the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence, or alter retirement savings, establish education savings and/or charitable giving programs.

CFA refers Clients to an accountant, attorney, or other specialist, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Tier Genesis Investment Management. Financial planning services, and one-on-one client meetings available starting at $200 per hour (1-hour minimum) for those clients with up to $100,000 under management. Tier Genesis includes values-based investment management, personal online financial planning portal and investment risk assessment. An updated Investment Policy Statement is provided annually for review and approval to ensure alignment with risk tolerance and investment objectives. Client support is available via email, text, and live chat. Live phone support and in-person support is available at $25 per 15-minute increment and is auto-debited from client account in arrears. Tier 1 Investment Management. Financial planning services are available starting at $200 per hour (1-hour minimum) for those clients with $100,000 - $300,000 under management. Tier 1 includes values-based investment management, personal online financial planning portal and investment risk assessment. In addition, clients will receive a 30-minute annual review (choice of phone or web conference). Tier 2 Investment Management. Tier 2 includes all the Tier 1 services, a 1-hour annual review (choice of in- person, via phone, or web conference), and up to 3 hours are included annually for financial planning, financial advice, and investment advice per household. Discretionary investment management of portfolio strategies is separately counted from the allowable hours since it is not managed on an individual basis. Tier 2 is available to clients with $300,000 - $500,000 under management. Tier 3 Investment Management. Includes all Tier 2 services, a 1.5-hour annual review (choice of in-person, via phone, or web conference), and up to 4.5 hours are included annually for financial planning, financial advice, and investment advice per household. Discretionary investment management of portfolio strategies is separately counted from the allowable hours since it is not managed on an individual basis. Tier 3 is available to clients with $500,000 - $1,000,000 under management. Tier 4 Investment Management. Tier 4 includes all Tier 3 services, a 1.5- to3-hour annual review (choice of in- person, via phone, or web conference), and up to 6.5 hours are included annually for financial planning, financial advice, and investment advice per household. Discretionary investment management of portfolio strategies is separately counted from the allowable hours since it is not managed on an individual basis. Tier 4 is available to clients with $1,000,000 - $3,000,000 under management. Tier 5 Investment Management. Tier 5 includes all Tier 4 services, a 1.5- to 3-hour annual review (choice of in- person, via phone, or web conference), and up to 10.5 hours are included annually for financial planning, financial advice, and investment advice per household. Discretionary investment management of portfolio strategies is separately counted from the allowable hours since it is not managed on an individual basis. Tier 5 is available to clients with over $3,000,000 under management. Collaboration with a third-party CPA and/or attorney require client authorization and their fees are not included. Financial planning and consulting recommendations may pose a potential conflict between the interests of the Advisor and the interests of the Client. 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 affect the transaction through the Advisor. Client Account Management Prior to engaging CFA to provide investment advisory services, each Client is required to enter into an Investment Advisory Agreement with the Advisor that defines the terms, conditions, authority and responsibilities of the Advisor and the Client. These services tend to include:
• Establishing an Investment Policy Statement – CFA, in connection with the Client, develops a statement that summarizes the Client’s investment goals and objectives along with the broad strategy[ies] to be employed to meet the objectives.
• Asset Allocation – CFA will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client.
• Portfolio Construction – CFA will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – CFA will provide investment management and ongoing oversight of the Client’s portfolio and overall account. Retirement Plan Services For employer-sponsored retirement plans with participant-directed investments, our firm provides its advisory services as an investment adviser as defined under Section 3(21) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). When serving as an ERISA 3(21) investment adviser, the Plan Sponsor and Our Firm share fiduciary responsibility. The Plan Sponsor retains ultimate decision-making authority for the investments and may accept or reject the recommendations in accordance with the terms of a separate ERISA 3(21) Plan Sponsor Investment Management Agreement between Our Firm and the Plan Sponsor. Under the 3(21) agreement, Our Firm provides the following services to the Plan Sponsor: ▪ Screen investments and make recommendations. ▪ Monitor the investments and suggest replacement investments when appropriate. ▪ Provide a quarterly monitoring report. ▪ Assist the plan sponsor in developing an Investment Policy Statement (“IPS”). ▪ Recommend QDIA alternatives. ▪ Recommend non-discretionary model portfolios. We can also be engaged to provide Plan Consulting Services. Plan Consulting Services include financial education to Plan participants, benchmarking the Plan services, education to fiduciary committee members, and monitoring the service provider. The scope of education provided to participants will not constitute “investment advice” within the meaning of ERISA and participant education will relate to general principles for investing and information about the investment options currently in the Plan. We may also participate in initial enrollment meetings and periodic workshops and enrollment meetings for new participants. When servicing as in a 3(38) fiduciary capacity, our Firm is granted full trading authority over the Plan and have the responsibility for the selection and monitoring of all investment options offered under the Plan in accordance with the investment policy statement and its underlying investment objectives and strategies for the Plan. Plan participants have the ability to exercise control over the investment selection from the plans line up of investments, and we have no authority or discretion to direct the investment of assets of any participant’s account under the Plan. Consulting Services to Brokerage Customers CFA provides investment consulting services to certain broker/dealers’ customers (“Brokerage Customers”) who provide written consent requesting to receive the firm’s consulting services. Brokerage Customers have entered into a written advisory agreement with CFA. Consulting Services We also provide clients with investment advice on a more-limited basis on one or more isolated areas of concern such as estate planning, real estate, retirement planning, or any other specific topic. Additionally, we provide advice on non-securities matters about the rendering of estate planning, insurance, real estate, and/or annuity advice or any other business advisory / consulting services for equity or debt investments in privately held businesses. In these cases, clients will be required to select their own investment managers, custodian, and/or insurance companies for the implementation of consulting recommendations. If client needs include brokerage and/or other financial services, we will recommend the use of one of several investment managers, brokers, banks, custodians, insurance companies, or other financial professionals ("Firms"). Consulting clients must independently evaluate these Firms before opening an account or transacting business and have the right to affect business through any firm they choose. Clients have the right to choose whether or not to follow the consulting advice provided. Wrap Fee Programs CFA does not engage in any wrap fee programs. Assets Under Management As of December 31, 2023, CFA managed discretionary assets of $170,611,226 and had no non-discretionary assets. The firm monitors assets under advisement of $6,719,374.