Description of Services and Fees We are a registered investment adviser primarily based in Jupiter, Florida. We are organized as a corporation under the laws of the State of Florida. We have been providing investment advisory services since 1996. Jane E. Marchand, Stephen T. Faries, John R. Faries II, and Jennifer C. Sheffler are the principal owners. We are a fee-only independent financial advisor. The combination of industry experience and comprehensive research allows our firm to provide quality advisory services to our clients. Also, you may see the term Associated Person throughout this Brochure. As used in this Brochure, our Associated Persons are our firm's officers, Jane Marchand, Steve Faries, John Faries, and Jennifer C. Sheffler who provide investment advice on behalf of our firm.
Marchand Faries Financial Management, Inc. offers a wide variety of services to meet the financial objectives of individuals and businesses. These services are described as follows: Investment Management
•No ties to any investments or funds
•No commissions
•Asset allocation plan based upon risk tolerance, asset growth expectations, income requirements and tax situation
•Use individual stocks and bonds; exchange traded funds and no-load low expense mutual funds
•Monthly statements and performance reports Retirement Planning
•First phase - pre-retirement (the accumulation years)
•Next phase - actual process of retirement (short but very important period of time)
•Final phase - post-retirement (enjoy the fruits of your labor) Trust Advisory
•Review trust documents to ensure compliance with trust provisions
•Calculation and disbursement of income and other distributions
•Preparation of annual accountings for court supervised accounts
•Coordination with attorneys, accountants and insurance professionals
•Comprehensive communication with grantors and beneficiaries Tax Services
•Implement asset allocation plan to control tax impact on your portfolio
•Prepare a detailed analysis of tax impact of selling or gifting assets.

•Encourage the use of highly appreciated assets for charitable gifting
•Assist tax preparers in the filing of Federal income tax returns Estate Planning
•Help clients keep their estate plans current
•Assist clients to maintain control of their assets while minimizing probate and guardianship
•Encourage the use of revocable living trusts with family members serving as trustees
•Periodic review and updating of beneficiary designations
•Assist attorneys in preparing legal documents for clients 4 Family Legacy
•Establish multi-generational goals for the entire family
•Help families to grow their financial assets
•Help families to preserve their family heritage
•Provide a wide array of services to families regarding their investments, estate planning and tax planning.

•Coordinate the services required by the family with attorneys, accountants and insurance professionals
•Ongoing family education Charitable Gifting
•Understanding of donor needs and expectations
•Making it easy for you to support the causes that are dear to your heart
•Facilitating the donation of securities to churches, schools and other organizations
•Providing a disciplined investment process for charitable gift programs Our investment advice is tailored to meet our clients' needs and investment objectives. If you retain our firm, we will gather required information through interviews. The information gathered will include your current financial status, a list of all assets, insurance policies, wills and/or trust documents and other information based on your financial status, future goals and attitude toward risk. We will not produce a written financial plan; rather, the information gathered will be used

to assist us in providing our services. With your prior consent, we will consult with your respective attorneys, accountants, and insurance agents to ensure financial and estate-planning objectives are being accomplished.
As part of our services, we will customize an investment portfolio for you in accordance with your risk tolerance and investing objectives. Once we construct an investment portfolio for you we will monitor your portfolio's performance on an ongoing basis and we will rebalance the portfolio as required by changes in market conditions and/or your financial circumstances.
We require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow our firm to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm, a power of attorney, or trading authorization forms. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions in writing.
Wrap Fee Program(s) We do not provide portfolio management services to wrap fee programs. Therefore, we do not participate in wrap fee programs in this respect.
Types of Investments We primarily offer advice on equity securities, exchange traded funds (ETFs), mutual funds, fixed income securities, municipal securities and U.S. Government securities.
Additionally, we may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship.
You may request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing.
5 IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are 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. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule's provisions, we must:
•Meet a professional standard of care when making investment recommendations (give prudent advice);
•Never put our financial interests ahead of yours when making recommendations (give loyal advice);
•Avoid misleading statements about conflicts of interest, fees, and investments;
•Follow policies and procedures designed to ensure that we give advice that is in your best interest;
•Charge no more than is reasonable for our services; and
•Give you basic information about conflicts of interest. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Assets Under Management As of December 31, 2022, we provide continuous management services for $108,598,013 in client assets on a discretionary basis.