This Disclosure document is being offered to you by Rik Saylor Financial, Inc. (“Rik Saylor Financial” or “Firm”) about the investment advisory services we provide. It discloses informa;on about our services and the way those services are made available to you, the client. Rik Saylor Financial, Inc. became a registered investment adviser in 2012 and is owned by Rik Saylor (90%) and Eric Hamberg (10%). Rik Saylor is the Chief Compliance Officer. We are commi`ed to helping clients build, manage, and preserve wealth. We provide services that help clients to achieve their stated financial goals. We will offer an ini;al complimentary mee;ng upon our discre;on; however, investment advisory services are ini;ated only afer you and Rik Saylor Financial execute an Investment Management Agreement. INVESTMENT & WEALTH MANAGEMENT & SUPERVISION We manage advisory accounts on a discre;onary basis. In discre;onary accounts, once we have determined a profile and investment plan with a client, we will execute the day-to-day transac;ons without seeking prior client consent but within the expected investment guidelines. Porholios will be designed to meet a par;cular investment goal, determined to be suitable to the client’s circumstances. During personal discussions with clients, we determine the client’s objec;ves, ;me horizons, risk tolerance, and liquidity needs. As appropriate, we also review a client’s prior investment history, as well as family composi;on and background. Based on client needs, we develop a client’s personal profile and investment plan. We then create and manage the client’s investments based on that policy and plan. It is the client’s obliga;on to no;fy us immediately if circumstances have changed with respect to their goals. Once we have determined the types of investments to be included in a client’s porholio and have allocated the assets, we provide ongoing investment review and management services. We primarily allocate client assets among ETF’s, equity securi;es, warrants, corporate debt securi;es, commercial paper, municipal securi;es, investment company securi;es, US Government securi;es, op;ons, and other alterna;ve investments. Alterna;ve Investments represent asset classes outside the realm of tradi;onal stocks, bonds, and mutual funds. ETFS and cash equivalents and include, among other things, private equity, venture capital, and funds of private funds. Where determined suitable for a client, Rik Saylor Financial will u;lize or otherwise recommend alterna;ve investments, which may include, but are not limited to, private funds. In most cases, at least a par;al cash balance will be maintained in a money market account so that our firm may debit advisory fees for our services related to this service. With our discre;onary rela;onship, we will make changes to the porholio, as we deem appropriate, to meet client financial objec;ves. We trade these porholios based on the combina;on of our market views and client objec;ves, using our investment process. We tailor our advisory services to meet the needs of our clients and seek to ensure that your porholio is managed in a manner consistent with those needs and objec;ves. Clients have the ability to leave standing instruc;ons with us to refrain from inves;ng in par;cular industries or invest in limited amounts of securi;es. Where appropriate, we provide advice about any type of legacy posi;on held in client porholios. 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 re;rement plans and qualified tui;on plans (i.e., 529 plans). You are advised and expected to understand that our past performance does not guarantee future results. Specific market and economic risks exist that adversely affect an account’s performance. This could result in capital losses in your account. The following are plahorms we u;lize in conjunc;on with our investment and wealth management and supervision: ADVYZON TECHNOLOGIES We have contracted with Advyzon to u;lize its technology plahorms to support data reconcilia;on, performance repor;ng, fee calcula;on and billing, research, Client database maintenance, quarterly performance evalua;ons, payable reports, website administra;on, trading plahorms, and other func;ons related to the administra;ve tasks of managing Client accounts. Due to this arrangement, Advyzon will have access to Client accounts, but Advyzon will not serve as an investment advisor to our Clients. Rik Saylor Financial and Advyzon are non-affiliated companies. Advyzon charges our Firm an annual fee for each account administered by Advyzon. Please note that the fee charged to the Client will not increase due to the annual fee Rik Saylor Financial pays to Advyzon; the annual fee is paid from the por;on of the management fee retained by Rik Saylor Financial. PONTERA - PARTICIPANT ACCOUNT MANAGEMENT (DISCRETIONARY) We u;lize the third-party plahorm Pontera to facilitate the management of held-away assets, such as defined contribu;on plan par;cipant accounts, with discre;on. The plahorm allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in creden;als to affect trades. We are not affiliated with the plahorm in any way and receive no compensa;on from them for using their plahorm. A link will be provided to the Client, allowing them to connect an account(s) to the plahorm. The Adviser will review the current account alloca;ons once the Client account(s) is connected to the plahorm. When deemed necessary, the Adviser will rebalance the account considering client investment goals and risk tolerance, and any change in alloca;ons will consider current economic and market trends. The goal is to improve account performance over ;me, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and alloca;on changes will be made as deemed necessary. CONSULTING SERVICES We also provide clients investment advice on a more-limited basis on one or more isolated areas of concern such as estate planning, real estate, re;rement planning, or any other specific topic. Addi;onally, we provide advice on non-securi;es ma`ers about the rendering of estate planning, insurance, real estate, and/or annuity advice or any other business advisory / consul;ng 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 implementa;on of consul;ng recommenda;ons. 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"). Consul;ng clients must independently evaluate these Firms before opening an account or transac;ng business and have the right to effect business through any firm they choose. Clients have the right to choose whether or not to follow the consul;ng advice provided. Addi;onally, we use an unaffiliated third-party plahorm, RMS, to facilitate management of held away assets such as defined contribu;on plan par;cipant accounts, with discre;on. The plahorm allows us to avoid

being considered to have custody of Client funds since we do not have direct access to Client log-in creden;als to affect trades. A link will be provided to the Client allowing them to connect an account(s) to the plahorm. Once Client account(s) is connected to the plahorm, Adviser will review the current account alloca;ons. When deemed necessary, Adviser will rebalance the account considering client investment goals and risk tolerance, and any change in alloca;ons will consider current economic and market trends. The goal is to improve account performance over ;me, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be periodically, but no less than annually, and alloca;on changes will be made as necessary. The following are plahorms we u;lize in conjunc;on with our consul;ng services: FINANCIAL INSTITUTION CONSULTING SERVICES – RETIREONE Our firm has an agreement(s) with broker-dealers to provide investment consul;ng services to Brokerage Customers. Broker-dealers pay compensa;on to our firm for providing investment consul;ng services to Customers. This consul;ng arrangement does not include assuming discre;onary authority over Brokerage Customers’ brokerage accounts or the monitoring of securi;es. These consul;ng services offered to Brokerage Customers may include a general review of Brokerage Customers’ investment holdings, which may or may not result in our investment adviser representa;ves making specific securi;es recommenda;ons or offering general investment advice. Brokerage Customers will execute a wri`en advisory agreement directly with Rik Saylor Financial. This rela;onship presents conflicts of interest. Poten;al conflicts are mi;gated by Brokerage Customers consen;ng to receive investment consul;ng services from Rik Saylor Financial; by Rik Saylor Financial not accep;ng or billing for addi;onal compensa;on on broker/dealers’ Assets Under Management beyond the consul;ng fees disclosed in Item 5 in connec;on with the investment consul;ng services; and by Rik Saylor Financial not engaging as, or holding itself out to the public as, a securi;es broker/dealer. Our firm is not affiliated with any broker/dealer. FINANCIAL PLANNING Through the financial planning process, our team strives to engage our clients in conversa;ons around the client’s goals, objec;ves, priori;es, vision, and legacy – both for the near term as well as for future genera;ons. With the unique goals and circumstances of each client in mind, our team will offer financial planning ideas and strategies to address the client’s holis;c financial picture, including estate, income tax, charitable, cash flow, wealth transfer, and client legacy objec;ves. Our team partners with our client’s other advisors (CPAs, Enrolled Agents, Estate A`orneys, Insurance Brokers, etc.) to ensure a coordinated effort of all par;es toward the client’s stated goals. Such services include various reports on specific goals and objec;ves or general investment and/or planning recommenda;ons, guidance to outside assets, and periodic updates. A wri`en evalua;on of each client's ini;al situa;on or Financial Plan is provided to the client. Our specific services in preparing your plan may include:
• Review and clarifica;on of your financial goals
• Assessment of your overall financial posi;on including cash flow, balance sheet, investment strategy, risk management, and estate planning
• Crea;on of a unique plan for each goal you have, including personal and business real estate, educa;on, re;rement or financial independence, charitable giving, estate planning, business succession, and other personal goals
• Development of a goal-oriented investment plan, with input from various advisors to our clients around tax sugges;ons, asset alloca;on, expenses, risk, and liquidity factors for each goal. This includes IRA and qualified plans, taxable, and trust accounts that require special a`en;on
• Design of a risk management plan including risk tolerance, risk avoidance, mi;ga;on, and transfer, including liquidity as well as various insurance and possible company benefits; and
• Crafing and implementa;on of, in conjunc;on with your estate and/or corporate a`orneys as tax adviser, an estate plan to provide for you and/or your heirs in the event of an incapacity or death For our CEPA business planning clients, our Firm offers an Engagement Planning Retainer, which includes coaching of intellectual property, tools, books, audio CDs, PowerPoint presenta;ons, and analysis reports specifically tailored to clients’ needs. This planning process centers around a roadmap that is discussed, prepared, and clarified with the client. The roadmap will then direct the client's educa;onal examina;on process. The following are plahorms we u;lize in conjunc;on with our financial planning services: HOLISTIPLAN – TAX PLANNING SERVICES Holis;plan is a tax planning sofware that may uncover poten;al tax strategies designed to help mi;gate tax burden in re;rement and beyond. DISCLOSURE REGARDING ROLLOVER RECOMMENDATIONS A client or prospect leaving an employer typically has four op;ons regarding an exis;ng re;rement plan (and may engage in a combina;on of these op;ons): (i) leave the money in the former employer’s plan, if permi`ed, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permi`ed, (iii) rollover to an Individual Re;rement 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 representa;ves may earn an asset-based fee. Our Firm therefore has an economic incen;ve to encourage a client to roll plan assets into an IRA that our Firm will manage, which presents a conflict of interest. To mi;gate 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 op;ons available in the plan versus the investment op;ons 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) protec;on of assets from creditors and legal judgments, (v) required minimum distribu;ons and age considera;ons, and (vi) employer stock tax consequences, if any. All rollover recommenda;ons are reviewed by our Firm’s Chief Compliance Officer and remains available to address any ques;ons that a client or prospec;ve client has regarding the oversight. We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your re;rement plan account or individual re;rement account, we are also fiduciaries within the meaning of Title I of the Employee Re;rement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing re;rement accounts. We have to act in your best interest and not put our interest ahead of yours. At the same ;me, the way we make money creates some conflicts with your interests. WRAP FEE PROGRAM Our firm does not sponsor a Wrap Fee Program. ASSETS As of December 31, 2023, we provide con;nuous management services for $143,188,073 in client assets on a discre;onary basis.