Fairchild Financial Advisors, Inc. (hereafter "Fairchild Financial", “Fairchild”, “FFA”, “we”, and “our”) is a SEC-registered investment adviser with its principal place of business located in California. Fairchild Financial is owned by Steven Fairchild and has been operating as an Investment Advisory firm since January 2013. Fairchild Financial offers the following services: INDIVIDUAL PORTFOLIO MANAGEMENT Our firm provides continuous advice to clients regarding the investment of client funds based on the individual needs of the client. We conduct thorough discussions to understand the client’s goals and objectives, based on the client’s particular circumstances, and develop a personalized investment strategy. We then create and manage an investment portfolio based on that strategy. During our data-gathering process, we determine the client’s individual objectives, 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. We manage advisory accounts on a discretionary basis only. 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 at least annually and if necessary, rebalance the portfolio, based on the client's individual needs. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities:
• Exchange-listed securities
• Foreign issuers
• Corporate debt securities (other than commercial paper)
• Commercial paper
• Certificates of deposit
• Municipal securities
• Mutual fund shares
• United States governmental securities 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, risk tolerance, liquidity and suitability. ASSETMARK PROGRAM The program offers advisory management services to our clients through the AssetMark Platform (hereinafter, "AssetMark”). AssetMark is an unaffiliated registered investment adviser and sponsors an asset allocation system that offers model portfolios of mutual funds, exchange traded funds, separately managed accounts and wrap programs. Our firm acts as an investment adviser to clients through AssetMark’s platform. We provide the client with an asset allocation strategy developed through personal discussions in which goals and objectives based on the client's particular circumstances are established. When consistent with a client's goals and objectives, we recommend the use of the AssetMark Platform. AssetMark has contracted with a number of institutional investment management firms ("Strategists") to create a variety of asset allocation models and has identified a broad range of no-load or load mutual funds, ETFs, or separate account managers for the Strategists to use in these models. In addition, Fairchild Financial is also a Strategist on the AssetMark Platform. The asset allocation programs are designed as a means for us to tailor the portfolio design services of the Strategists to the client's individual needs. We are not affiliated with AssetMark or any of the other Strategists that participate in the AssetMark program. The Strategists monitor the performance of the mutual funds, ETFs, or separate account managers, in their model portfolios and will periodically adjust and rebalance the portfolio in accordance with their investment strategies and inform us of any changes in the model portfolio. Clients should refer to the disclosure document (Part 2A of Form ADV or Appendix 1 of Form ADV) of AssetMark for detail on the advisory services and wrap program offered by AssetMark. We assist the client in identifying a Strategist or multiple Strategists whose investment philosophy and model portfolio(s) most closely match the client's

stated investment objectives and risk tolerances. Accounts are reviewed at least annually. More frequent reviews may be triggered by material changes in variables such as the client's individual circumstance, or the market, political or economic environment. The minimum investment required in the AssetMark Platform depends upon the Investment Solution chosen for a client’s account and is generally $25,000 for Mutual Fund and ETF Accounts and from $100,000 to $500,000 for Separately Managed Accounts, depending on the investment strategy selected for the account, as described in more detail in the AssetMark Platform Disclosure Brochure, Appendix 1. Accounts below the stated minimums may be accepted on an individual basis at the discretion of the Platform sponsor. ADDITIONAL BUSINESS ACTIVITIES Management and certain associated persons of Fairchild Financial are separately licensed as Registered Representatives and Investment Adviser Representatives offering securities and investment advisory services through LPL Financial, Member FINRA/SIPC. Clients will receive LPL’s separate Disclosure Brochure (Form ADV Part 2) at the time such services are offered along with any other disclosure documents required by law. Fairchild Financial and LPL are separate and unrelated companies. Fairchild Financial does not solicit on behalf of LPL and LPL does not offer services through our firm. Please refer to Item 10, "Other Financial Industry Activities and Affiliations", for information regarding other business activities of the firm and its management personnel. Clients should be aware that this business activity creates a conflict of interest between Fairchild Financial, its associated persons and its clients. We handle this conflict by requiring all associated persons to disclose to a client, in writing, before entering into or renewing an advisory agreement with that client, any material conflict of interest relating to our firm, its representatives or any of its employees, which could be reasonably expected to impair the rendering of unbiased and objective advice including: 1) Compensation arrangements connected with advisory services to clients which are in addition to compensation from such clients for such services; and (2) Charging a client an advisory fee for rendering advice without disclosing that a commission for executing securities transactions pursuant to such advice will be received by the adviser, its representatives or its employees, or that such advisory fee is being reduced by the amount of the commission earned by the adviser, its representatives or employees for the sale of securities to the client. PROFESSIONAL ALLIANCES To better serve our clients Fairchild Financial has developed working professional alliances with tax professionals, attorneys, and real estate professionals. These professional alliances are, when appropriate, recommended to clients to help create an end-to-end client experience that can address all of a client’s financial needs. Some of these professional alliances operate their separate practices in our offices. Fairchild Financial does not receive any compensation for making such referrals and no client is obligated to use the services of these professional alliances. Fairchild Financial does not provide tax, legal or real estate related services. These services are provided through separate independent companies. WRAP FEE PROGRAMS Fairchild Financial acts as a Strategist (manager) under the wrap program sponsored by AssetMark. We manage all accounts using the same approach whether under a wrap fee or separately managed account. 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 participating in an AssetMark wrap program will receive a separate Form ADV Part 2 and Appendix 1 (disclosure brochures and wrap program brochure) from AssetMark prior to entering into these arrangements. ASSETS UNDER MANAGEMENT As of December 31, 2023, Fairchild Financial was actively managing $114,823,638 in client assets on a discretionary basis. As disclosed above, we do not manage client assets on a non-discretionary basis.