A Our Firm. Wagner Financial, LLC, doing business as Wagner Planning, is an Oregon limited liability company founded in 2011, with its principal offices located in Lake Oswego, Oregon. The firm is wholly owned by the Sandra J. Wagner Trust U/A/D June 22, 2011. Sandra J. Wagner, CFP® is the trustee of the trust and is the effective principal and founder of our firm. Ms. Wagner is also our Chief Compliance Officer. We are an independent investment advisor firm registered with the SEC and we provide tailored investment advice to our clients acting in a fiduciary capacity. The information contained in this brochure describes our investment advisory services, practices, and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our services to the needs of our clients. As used throughout this brochure, the words “Wagner Planning,” “firm,” “we,” “our,” and “us” refer to Wagner Financial, LLC, doing business as Wagner Planning, and its associated financial professionals, and the words “you,” “your,” and “client” refer to you as either a client or prospective client of our firm. Prior to forming an investment advisor-client relationship with you, we may offer a complimentary general consultation to discuss the nature of our service offerings and how we can best assist you in achieving your financial goals and objectives. Investment advisory services begin only after the client and Wagner Planning formalize their relationship by the execution of a written advisory agreement. B C Our Services. We offer a variety of investment advisory services to clients. Our investment advice is always tailored according to each client’s unique financial circumstances, objectives, needs, and limitations. A description of our various investment advisory services is as follows: Financial Planning and Consulting Services: We offer financial planning and consulting services that are designed to assist you in achieving your overall financial goals and objectives or to address specific areas of financial concern you identify to us. At the client’s option, Wagner Planning may be engaged for broad-based financial planning services or topic specific advice related to discrete financial concerns, transactions, or events. These services may encompass advice regarding, without limitation, some, or all of the following topics:  Budgeting and Cash Management: Assisting the client in understanding cash inflows and outflows and setting and maintaining a sustainable budget.  Risk Management and Insurance Planning: Evaluating areas of financial and other risk to the client and designing and recommending insurance coverage to protect the client’s family, home, business, other assets, and cash flow from the effects of unexpected events.  Financial Planning Relating to Specific Life/Business Events: Providing the client with specialized advice unique to events such as child birth, divorce, business transactions, real estate transactions, and other specific events, both planned and unplanned.  Estate Planning: Advance planning for the client’s incapacitation and/or death, including end of life care/disability planning, handling of the client’s end of life financial affairs, and the management and distribution of assets upon the client’s death in a tax and cost efficient manner.  Tax Planning: Analyzing the client’s unique tax circumstances and current tax regulations and designing tax efficient strategies intended to reduce tax liabilities for the client in the short and long term.  Retirement Planning: Assisting the client in the design and implementation of a long term income and asset management plan intended to grow and protect their income and assets such that the client can maintain their desired standard of living throughout their retirement.  Investment Planning/Investment Goal Setting: Designing an overall plan for the investment and management of the client’s assets, including investment accounts (taxable and non- taxable), personal property, real property, and business interests in a manner designed to achieve their short and long term goals and objectives. Assisting the client in determining appropriate investment goals and objectives.  Educational Funding: Analyzing and designing a plan to fund educational needs of the client and the client’s family. Clients who engage us for these services receive a consultation or series of consultations, as necessary, to discuss their unique financial circumstances, investment objectives and needs, tolerance for risk, time horizon for investments, and/or any particular issues of financial concern. We will review pertinent financial documents and information provided by the client and present the client with a written financial plan or shorter report or summary of recommendations as appropriate for the scope of the engagement. For the most limited engagements, our advice may be conveyed to you solely via in-person consultations, telephonically, through video conferencing, and/or through e-mail correspondence. Any financial plans or reports we provide will typically include a summary of the client’s financial circumstances and a course of action and/or investment recommendations designed to assist the client in achieving their stated financial goals. These services are not ongoing in nature. Following delivery of our written plan, report, or summary to you, we will typically provide you with a limited consultation (typically provided by phone or e- mail) within thirty (30) days to address any remaining questions you may have and then the engagement is deemed complete. We will not review or update our financial planning recommendations or reports following delivery to the client. If you wish to have us review and update our recommendations or reports, you will be required to enter into a contractual arrangement with us for these additional services. Additional fees will apply. You always maintain the sole and absolute discretion to accept or reject any of our financial planning and consulting recommendations, in whole or in part, and shall be responsible for the selection of service providers and the implementation and ongoing monitoring of all of your investments. While you are never obligated

to utilize Wagner Planning for any additional services following the delivery of a written financial plan or report, at your option, you may elect to engage us for ongoing asset management services, including the implementation, management, and ongoing monitoring of certain investments recommended within the written financial plan or report we have provided to you. If you elect to do so, you will be required to execute a separate written asset management agreement with our firm, and we will review and update the written financial plan at least annually as part of our ongoing services to you. While we do not provide legal, accounting, or tax services of any kind, we will attempt to coordinate our services during the term of our financial planning and consulting engagement with your trusted third party tax and legal advisors. Ongoing Asset Management Services: We will provide ongoing management and monitoring of your designated investment accounts in accordance with our understanding of your financial circumstances, investment goals, needs, and objectives. Where we have previously provided you with a written financial plan or report, we will implement the recommended portfolio of investments within your designated accounts. You will be required to deposit your assets to an account (or accounts) held in your name at an independent qualified custodian (“Custodian”), typically a licensed broker-dealer, banking or savings institution, who will execute transactions for your account upon our instruction. We will not be required to obtain your prior approval for each specific investment transaction we direct within your account (i.e., a discretionary management arrangement). You may impose reasonable restrictions on our management of your account(s), including instructing us not to purchase certain specific securities, industry sectors, and/or asset classes. Please see Item 16 of this brochure for more information on our investment discretion policy. We will consult with you at the inception of our relationship and periodically thereafter, as necessary, to gather information regarding your financial circumstances, investment objectives and limitations, tolerance for investment risk, and time horizon for investments. These consultations will typically include discussion of your current and expected income level, tax considerations, current and expected cash flow, and the contents of your investment portfolio, among other items. Based on our analysis of the information you provide, we will recommend and implement a portfolio of investments within your account(s) that is intended to align with your unique investor profile. We will monitor your account(s) on an ongoing basis and implement changes as needed or appropriate, in consideration of current economic conditions, our market opinions and assumptions, and any material changes in your individual financial circumstances, goals, and needs. It is your ongoing responsibility to advise us promptly during our relationship of any material changes in your financial circumstances which might alter our investment advice to you. In general, we manage client accounts by implementing certain proprietary model portfolios (“Model Portfolios”) that have been designed by our firm to align with varying degrees of client risk tolerance, ranging from a more aggressive investment strategy to a more conservative approach. Our Model Portfolios typically incorporate a diversified mix of investments, including some or all of the following: mutual funds, exchange traded funds (“ETFs”), real estate investment trusts (“REITs”), individual stocks, corporate and government issued bonds, variable annuities, cash and cash equivalents. Where appropriate, your portfolio may also include insurance products and/or other types of investments. Asset management clients also receive ongoing ad-hoc financial advice regarding routine financial matters and questions regarding topics such as budgeting/cash flow management, insurance coverage, and basic retirement planning. This portion of our asset management services is entirely non-discretionary in nature – you will make all final investment decisions and be responsible for implementation and monitoring of all investments held outside of the account(s) we directly manage on your behalf at the Custodian. Our ad-hoc financial advice is not intended as broad-based financial planning and we will not provide you with a written financial plan or report as part of our asset management services. Clients wishing to receive broad-based financial planning services or a written financial plan may only do so be entering a separate and discrete written financial planning agreement with Wagner Planning – additional fixed fees will apply. Once a plan has been prepared for the client as part of this separate engagement we will review and update it annually as part of our rendering of ongoing asset management services. In addition, where requested by you, we may also provide you with recommendations regarding the investment of certain “held-away” assets (e.g., investments held in employer sponsored retirement accounts, qualified tuition plans, or variable annuity sub-accounts). For these accounts, we will typically be limited to advising you as to the allocation of your holdings among the various investment options made available by the product sponsor, issuer, or Custodian. This advice is complimentary, and you will make all final investment decisions and be responsible for the implementation and monitoring of all assets contained in your held-away accounts. D Wrap Fee Programs. We do not currently sponsor, serve as a portfolio manager to, or recommend any wrap fee programs to our clients. Types of Investments and Strategies Recommended. The types of investments we typically recommend to clients are described above in this Item 4. We may also advise clients on other types of assets not listed above or legacy assets held in their portfolio at the inception of our engagement. Please see Item 8 of this brochure or a description of the investment strategies we typically implement within client accounts. E Assets Under Management. As of December 31, 2023, we managed approximately $114,517,841 of client assets on a discretionary basis and $0 of client assets on a non-discretionary basis.