About Us Envision Financial Planning, LLC is a registered investment adviser, offering financial planning and asset management services to clients. Envision Financial Planning, LLC has been in business since 2019 and registered as an investment adviser with the SEC in 2022. Envision Financial Planning was founded with the goal of offering comprehensive financial planning and investment advice to help clients live more confident, secure lives. This Brochure is designed to provide detailed and clear information relating to each item noted in the table of contents. Certain disclosures are repeated in one or more items, and/or other items are referred to in an effort to be as comprehensive as possible on the broad subject matters discussed. Within this Brochure, certain terms in either upper- or lowercase are used as follows:  “We,” “us,” and “our” refer to Envision Financial Planning, LLC.  “Advisor” refers to persons who provide investment recommendations or advice on behalf of Envision Financial Planning, LLC.  “You,” “yours,” and “client” refer to clients of Envision Financial Planning, LLC and its advisors. Description of Services Available Envision Financial Planning, LLC offers a suite of investment advisory services and programs to its advisors for use with their clients. Our investment advisory services and programs are designed to accommodate a wide range of client investment philosophies, goals, needs, and investment objectives. Through these various advisory programs and services, clients have access to a wide range of securities products, including, but not limited to, common and preferred stocks; municipal, corporate, and government fixed income securities; mutual funds; exchange-traded funds (“ETFs”); fixed and fixed-indexed insurance products, as well as other products and services, including a variety of asset allocation services, financial planning, and consulting services. Our advisors may also offer advice related to direct participation programs, private placements, and other alternative investments, such as alternative energy programs, research and development programs, private equity, real estate programs, and pooled commodities futures programs. Envision Financial Planning, LLC offers the following programs: Financial Planning and Consulting Envision Financial Planning, LLC’s advisors provide financial planning and consulting services on a wide range of topics, including, but not limited to, comprehensive financial planning, Medicare and Social Security, budgeting and cash flow analysis, tax planning, major purchases, education planning, retirement income/longevity planning, portfolio analysis, estate planning analysis, investment analysis, business succession planning, and executive benefit (equity compensation) analysis. The financial planning process begins by meeting with the client(s) to gather information on their assets, liabilities, investment objectives, risk tolerance, cash flows, occupation, family situation, values, and any immediate goals. Using this information, we will prepare financial projections to help the client determine whether they are on the right track and make recommendations as to any changes that might improve the client’s overall financial situation or probability of meeting their stated goals. Financial planning is a continuous and collaborative process. The fees for both the initial plan and subsequent annual updates (if desired) are listed in Item 5 of this brochure. Clients may engage our services on an hourly, flat, or fixed- fee basis. Fees are primarily paid after service has been rendered. Your advisor will let you know an estimate of fees prior to service being rendered. If fees are being charged on an hourly basis, they will not exceed $500 per hour. Clients may choose to enter a consulting or financial planning engagements with advisors separately from, in addition to, or as part of their managed account program, as may be agreed between the client and advisor. Wealth Management Consulting: We provide advisory consulting services on a wide range of topics, including, but not limited to, comprehensive financial planning, budgeting and cash flow analysis, major purchases, education planning, retirement income/longevity planning, portfolio analysis, estate planning analysis, investment analysis, business succession planning, and fringe benefit analysis for employees of Nucor Corporation. Nucor employees may also elect to enter into financial planning and consulting engagements with advisors separately from, in addition to, or as part of their managed account program, as may be agreed between the client and advisor. Envision Financial Planning, LLC has entered into an agreement with Commonwealth to offer Commonwealth’s Retirement Plan Consulting and Plan Participant Consulting programs. Retirement Plan Consulting: We provide a fee-for-service consulting program whereby our advisors offer onetime or ongoing advisory services to qualified retirement plans and to an individual retirement account (“IRA”) formed under a SIMPLE IRA Plan. Qualified plan clients may engage our advisors for Retirement Plan Consulting services on a negotiated hourly, flat, fixed, or asset-based fee basis. The maximum annual consulting fee, when stated as a percentage of assets, is 1.50% and is negotiable. Hourly fees may not exceed $500 per hour. It is the responsibility of the plan sponsor to ensure these fees are reasonable. Fees may be paid at the time of service, in advance of service, or after service has been rendered. In some cases, the plan recordkeeper deducts the fee and pays Commonwealth directly and in other instances, we bill the Plan Sponsor directly. Through the Retirement Plan Consulting Program, advisors assist plan sponsors with their fiduciary duties and provide individualized advice based upon the needs of the plan and/or plan participants regarding investment management matters, such as:  Investment policy statement support  Plan menu design and monitoring  Service provider support  Participant advice programs Clients who participate in one or more of Commonwealth’s programs will receive Commonwealth’s Form ADV Part 2A in addition to Envisions Form ADV Part 2A. Clients should refer to Commonwealth’s Form ADV Part 2A for detailed information about Commonwealth and Commonwealth’s programs. Asset Management Services Envision Financial Planning, LLC also offers asset management services. Our asset management program enables you, with the guidance of our advisors, to invest in a wide range of securities products. These products include, but are not limited to, common and preferred stocks, corporate and municipal bonds, mutual funds, exchange-traded products (such as exchange-traded funds). The advisor typically acts as portfolio manager with full investment discretion although clients may elect (in very limited instances) to have the advisor manage the account on a nondiscretionary basis. When engaged to provide asset management services, our advisors will gather information on a client’s financial history, income and expenses, goals and objectives and assist the client in developing an appropriate asset allocation strategy based on the client’s unique individual needs. In general, clients will provide discretionary authority to Envision Financial Planning, LLC which enables your advisor to place trades in your account in accordance with the established objectives of the account, but without the need for the client to approve each trade in advance. The account is monitored by your advisor on a regular basis, and your advisor will meet with you no less than annually to review the account’s holdings and performance. Fees for our asset management services are described in Item 5 of this brochure and are based on the level of assets in your managed account. Participation in American Funds Investment Advisory Funds Program: Envision participates in an American Funds investment advisory program which allows the firm to make available certain mutual funds (“Funds”) which are only available through fee based advisory programs. Clients who are invested in these Funds will pay an annual asset-based fee instead of paying commissions or sales charges. American Funds Service Company (“AFS”) serves as the transfer agent responsible for maintaining accounts and providing related transfer agency services to the clients who invest through this service. Envision, and not AFS, is responsible for determining whether the Funds are suitable and appropriate investments for its clients. Class F-2 shares (the only share class available via this offering) do not include a 12b-1 fee, but may have slightly higher administrative expenses, which may vary by fund. More information regarding this fund share class may be found in the Fund’s prospectus, which should be reviewed carefully before investing. Clients should carefully consider investment objectives, risks, charges and expenses associated with the Funds. This program is generally intended to accommodate smaller client accounts or as a solution for retirement account rollovers currently invested in American Funds. Additional information regarding fees is set forth at Item 5 below. In the past, Envision Financial Planning, LLC advisor, Hugh “Hank” Parks offered clients access to certain professional third-party asset managers. These accounts are not managed by Envision Financial Planning, LLC, or the client’s advisor. Rather, these accounts are managed by one or more third-party asset managers on a discretionary basis, and they may consist of a variety of different security types, including stocks, bonds, ETFs, mutual funds, and derivatives. Envision Financial Planning, LLC acts in a solicitor capacity for the third-party asset managers and receives a portion of the advisory fee on these accounts from the third-party asset manager. This is a legacy service and is no longer being

offered to new clients. Investment recommendations and advice offered by Envision Financial Planning, LLC and its advisors do not constitute legal or accounting advice. While Envision Financial Planning, LLC does offer tax return analysis as part of our services, we do not provide tax return preparation or formal tax advice. Clients should coordinate and discuss the impact of the financial advice they receive from their advisor with their attorney and accountant. Clients should also inform their advisor promptly of any changes in their financial situation, investment goals, needs, or objectives. Failure to notify the advisor of any material changes could result in investment advice not meeting the changing needs of the client. IRA Rollover Considerations As part of our financial planning and advisory services, we may provide you with recommendations and advice concerning your employer retirement plan or other qualified retirement account. When appropriate, we may recommend that you withdraw the assets from your employer’s retirement plan or other qualified retirement account and roll the assets over to an individual retirement account (“IRA”) to be managed by our firm. If you elect to roll the assets to an IRA under our management, we will charge you an asset-based fee as described in Item 5. This practice presents a conflict of interest because our Advisory Representative has an incentive to recommend a rollover to you for the purpose of generating fee-based compensation rather than solely based on your needs. You are under no obligation, contractually or otherwise, to complete the rollover. Furthermore, if you do complete the rollover, you are under no obligation to have your IRA assets managed under our program. You have the right to decide whether to complete the rollover and the right to consult with other financial professionals. Some employers permit former employees to keep their retirement assets in their company plan. Also, current employees can sometimes move assets out of their company plan before they retire or change jobs. In determining whether to complete the rollover to an IRA, and to the extent the following options are available, you should consider the costs and benefits of each. An employee will typically have four options: 1. Leave the funds in your employer’s (former employer’s) plan. 2. Roll over the funds to a new employer’s retirement plan. 3. Cash out and take a taxable distribution from the plan. 4. Roll the funds into an IRA rollover account. Each of these options has advantages and disadvantages. Before making a change, we encourage you to speak with your financial advisor, CPA and/or tax attorney. Before rolling over your retirement funds to an IRA for us to manage, carefully consider the following. NOTE: This list is not exhaustive. 1. Determine whether the investment options in your employer’s retirement plan address your needs or whether other types of investments are needed. a. Employer retirement plans generally have a more limited investment menu than IRAs. b. Employer retirement plans may have unique investment options not available to the public, such as employer securities or previously closed funds. 2. Your current plan may have lower fees than our fee. a. If you are interested in investing only in mutual funds, you should understand the cost structure of the share classes available in your employer’s retirement plan and how the costs of those share classes compare with those available in an IRA. b. You should understand the various products and services available through an IRA provider and their costs. c. It is likely you will not be charged a management fee and will not receive ongoing asset management services unless you elect to have such services. If your plan offers management services, the fee associated with the service may be more or less than our fee. 3. Our investment management strategy may have higher or lower risk than the options provided to you in your plan. 4. Your current plan may offer financial advice, guidance, management and/or portfolio options at no additional cost. 5. If you keep your assets titled in a 401(k) or retirement account, you could potentially delay your required minimum distribution beyond age 73 if currently employed and not classified as a more than 5% owner. 6. Your 401(k) may offer more liability protection than a rollover IRA; each state varies. Generally, Federal law protects assets in qualified plans from creditors. Since 2005, IRA assets have been generally protected from creditors in bankruptcies; however, there can be exceptions. Consult an attorney if you are concerned about protecting your retirement plan assets from creditors. 7. You may be able to take out a loan on your 401(k), but not from an IRA. 8. IRA assets can be accessed any time; however, distributions are subject to ordinary income tax and may also be subject to a 10% early distribution penalty unless they qualify for an exception such as disability, higher education expenses or a home purchase. It is important that you understand your options, their features, and their differences, and decide whether a rollover is best for you. If you have questions, contact us at 901.422.7526. In addition to complying with applicable SEC rules, Envision is subject to certain rules and regulations adopted by the U.S. Department of Labor when we provide nondiscretionary investment advice to retirement plan participants and IRA owners. When these DOL rules apply, our advisors and Envision are “fiduciaries,” for purposes of the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended, and the Internal Revenue Code of 1986 (“the Code”), as amended. Therefore, Envision and our advisors may not receive payments that create conflicts of interest when providing fiduciary investment advice to plan sponsors, plan participants, and IRA owners, unless we comply with a prohibited transaction exemption (“PTE”). Envision and our advisors will comply with ERISA and the Code by using PTE 2020-02. As fiduciaries under ERISA and the Code, we render advice that is in plan participants’ and IRA customers’ best interest. Envision’s and our advisors’ status as an ERISA/Code fiduciary is limited to ERISA/Code covered nondiscretionary advice and recommendations regarding rolling over a retirement account and does not extend to all situations. Individualized Services and Client-Imposed Restrictions The investment advisory services provided by our advisors depend largely on the personal information the client provides to the advisor. In order for our advisors to provide appropriate investment advice to, or, in the case of discretionary accounts, make tailored investment decisions for, the client, it is very important that clients provide accurate and complete responses to their advisor’s questions about their financial condition, needs, goals, and objectives and notify the advisor of any reasonable restrictions they wish to apply to the securities or types of securities to be bought, sold, or held in their managed account. It is also important that clients promptly inform their advisor of any changes in their financial condition, investment objectives, personal circumstances, or reasonable investment restrictions pertaining to the management of their account, if any, that may affect their overall investment goals and strategies or the investment advice provided or investment decisions made by their advisor. In general, the client’s advisor is responsible for delivering investment advisory services to clients, and clients generally deal with matters relating to their accounts by contacting their advisor directly. Of course, clients may contact Envision Financial Planning, LLC directly with questions about the advisory services offered by our firm. Assets Under Management As of December 31st, 2023, Envision Financial Planning managed $331,440,524 of assets under management of which, $244,276,875 is managed on a discretionary basis and $87,163,650 is managed on a non-discretionary basis. Clients should be aware that the compensation to Envision Financial Planning, LLC and your advisor may differ according to the specific advisory program chosen. This compensation to us and your advisor may be more than the amounts we would otherwise receive if you participated in another program or paid for investment advice, brokerage, and/or other relevant services separately. Envision’s Asset Management program typically assesses transaction charges to clients for the purchase and sale of certain securities in a client’s account. The client’s advisor may elect to pay the transaction charges on a client’s behalf. Clients should understand that their advisor may elect to pay transaction charges for the accounts of other clients, but not for them, and vice versa. Depending on the frequency of trading activity, the types of securities products bought and sold, and whether the advisor uses mutual funds that do not assess transaction charges, the advisor’s election to pay transaction charges may cost a client more or cost the advisor less, which is a conflict of interest. The advisor’s ability to choose whether to pay the transaction charges for one client but not another presents a conflict of interest because the advisor has a financial incentive to trade less for the accounts of clients for whom the advisor pays transaction charges than for those clients who are responsible for paying their own transaction charges. Clients who choose to open an Envision Asset Management program account should carefully consider these factors and discuss the costs and benefits of whether they or their advisor should pay transaction charges. Clients should consider the annual fees, administrative and other charges, and other compensation that Envision and the advisor receive in making a fair and reasonable assessment of the total costs associated with their decision to open and maintain an Envision Asset Management program account.