Integrated Financial Solutions is a SEC-registered investment adviser with its principal place of business located in Virginia. Integrated Financial Solutions began conducting business in 2001. Listed below are the firm's principal shareholders (i.e., those individuals and/or entities controlling 25% or more of this company).
• M. Michael Tafazoli, ChFC Integrated Financial Solutions offers the following advisory services to our clients: INDIVIDUAL PORTFOLIO MANAGEMENT Our firm provides non-continuous asset management of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on the client's particular circumstances are established, we develop the client's personal investment policy. We create and manage a portfolio based on that policy. During our data-gathering process, we determine the client's individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we may also review and discuss a client's prior investment history, as well as family composition and background. We mainly manage these advisory accounts on a discretionary basis and on a limited basis we manage non-discretionary accounts. Account supervision is guided by the client's stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Once the client's portfolio has been established, we review the portfolio on a daily basis and if necessary, rebalance the portfolio on an annual basis, based on the client's individual needs.  VISION2020 WEALTH MANAGEMENT PLATFORM The Wealth Management Platform – Advisor Managed Portfolios Program (“Advisor Managed Portfolios”) provides comprehensive investment management of your assets through the application of asset allocation planning software as well as the provision of execution, clearing and custodial services through Pershing. Advisor Managed Portfolios provides risk tolerance assessment, efficient frontier plotting, fund profiling and performance data, and portfolio optimization and re-balancing tools. Utilizing these tools and based on your responses to a risk tolerance questionnaire (“Questionnaire”) and discussions that we have together regarding, among other things, investment objective, risk tolerance, investment time horizon, account restrictions, and overall financial situation, we construct a portfolio of investments for you. This portfolio may consist of mutual funds, exchange traded funds, equities, options, debt securities, variable life, variable annuity sub-accounts (certain restrictions may apply) and other investments. Each portfolio is designed to meet your individual needs, stated goals and objectives. Additionally, you have the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Because some types of investments involve certain additional degrees of risk, they will only be recommended when consistent with the client's stated investment objectives, tolerance for risk, liquidity and suitability. RETIREMENT PLAN CONSULTING SERVICES We offer retirement consulting services to employee benefit plans and their fiduciaries. The services are designed to assist the plan sponsor (the “Company”) in meeting their management and fiduciary obligations to the plan under ERISA. Retirement consulting services will consist of general or specific advice, and may include any one or all the following: 1. Strategic Planning and Investment Policy Development/Review. 2. Plan Review. 3. Plan Fee and Cost Review. 4. Acting as Third-Party Service Provider Liaison. 5. Assessment of Plan Investments and Investment Options. 6. Plan Participant Education and Communication. The Company may also engage us to provide the following additional services, for separate compensation: 1. Review of Executive Benefits. 2. Assist with Plan Conversion. 3. Merger and Acquisition Assistance. 4. Assist with Corrective Actions to Comply with Applicable Regulations. 5. Coordination with Other Advisers. We will determine with the Company in advance the scope of services to be performed and the fees for all requested services. Prior to engaging us to provide pension consulting services, the Company will be required to enter into a written agreement with us setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the relevant fees and fee-paying arrangements. The services outlined above that we provide are explained in more detail in the written agreement. When we perform our agreed upon services, we will not be required to verify the accuracy or consistency of any information received from the Company. We will serve in a fiduciary capacity with respect to some of the services that we provide which will be further explained in the written agreement

we sign with the Company. The Company is always free to seek independent advice about the appropriateness of any recommendations made by us. Investment Policy Statement Preparation (hereinafter referred to as ''IPS''): We will meet with the sponsor (in person or over the telephone) to determine an appropriate investment strategy that reflects the plan sponsor's stated investment objectives for management of the overall plan. Our firm then prepares a written IPS detailing those needs and goals, including an encompassing policy under which these goals are to be achieved. The IPS also lists the criteria for selection of investment vehicles as well as the procedures and timing interval for monitoring of investment performance. Selection of Investment Vehicles: We assist plan sponsors in constructing appropriate asset allocation models. We will then review various mutual funds (both index and managed) to determine which investments are appropriate to implement the client's IPS. The number of investments to be recommended will be determined by the client, based on the IPS. Monitoring of Investment Performance: We monitor client investments continually, based on the procedures and timing intervals delineated in the Investment Policy Statement. Although our firm is not involved in any way in the purchase or sale of these investments, we supervise the client's portfolio and will make recommendations to the client as market factors and the client's needs dictate. We are involved in discretionary trading and rebalancing of assets in participants accounts that consent to this service based on risk tolerance. Employee Communications: For pension, profit sharing and 401(k) plan clients with individual plan participants exercising control over assets in their own account (''self-directed plans''), we also provide quarterly educational support and investment workshops designed for the plan participants when the plan sponsor engages our firm to provide these services. The nature of the topics to be covered will be determined by us and the client under the guidelines established in ERISA Section 404(c). The educational support and investment workshops will NOT provide plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. FINANCIAL PLANNING We provide a variety of financial planning services to you regarding the management of your financial resources, based upon an analysis of your needs. Generally, such financial planning services will involve preparing a financial program for you based on your financial circumstances and objectives. This information typically covers present and anticipated assets and liabilities, including insurance, savings, investments and anticipated retirement or other employee benefits. We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, returns objectives and attitudes towards risk. We carefully review documents supplied by the client, including a questionnaire completed by the client, and prepare a written report. Should the client choose to implement the recommendations contained in the plan, we suggest the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client's discretion. Our financial planning typically includes general recommendations for a course of activity or specific actions that you should take. For example, recommendations may be made that the Clients obtain insurance or revise existing coverage, establish an individual retirement account, increase or decrease funds held in savings accounts or to invest funds in certain securities. Other financial planning services that we may provide include ongoing financial counseling, account review, securities research and other advisory services related to investments. You are under no obligation to act on the financial planning recommendations. Moreover, if you elect to act on any of the recommendations, you are under no obligation to affect the transaction through any broker/dealer recommended by us. Financial planning services to be provided to you will be outlined on the client agreement that you sign with us. Typically, the financial plan is presented to the client within six months of the contract date, provided that all information needed to prepare the financial plan has been promptly provided. LIMITATIONS: As individuals of Integrated Financial Solutions are registered as representatives of a broker-dealer and/or as insurance agents/brokers of various insurance companies, recommendations made in financial plans are limited to only those products offered through these companies. AMOUNT OF MANAGED ASSETS As of 12/31/2022 we were actively managing $127,709,776 of clients' assets on a discretionary basis plus $129,031,335 of clients' assets on a non-discretionary basis.