Providence Financial Advisors, LLC (CRD # 124839) (PFA) is registered with the Securities and Exchange Commission as an investment adviser. PFA is based in Kansas and is organized as a limited liability company under the laws of the State of Kansas and the United States of America. The firm has been in business since 2003 and currently has 3 employees. PFA’s mailing address and main office location is 6900 College Blvd., Suite 440, Overland Park, KS 66211. Regular business hours are from 8:30am to 5:00pm Monday through Friday and by appointment only. The firm can be contacted by phone at (913) 323-0535 and by fax at (866) 711-3213. Steven T. Cox, CFA, founded the firm and currently serves as President and Chief Compliance Officer. He is also the Chairman of the Investment Committee. Mark J. Donaldson, CFA, and Steven T. Cox, Jr. are also members of the Investment Committee. PFA provides individualized portfolio management, investment advisory/consulting and financial planning services to individuals, trusts and estates, and businesses. PFA also provides assistance and advice to businesses related to their defined contribution plans. The firm’s primary service is ongoing portfolio management. When providing these services, the firm not only makes recommendations related to investments, but also implements these recommendations and provides ongoing monitoring and reporting. Clients may elect to give the firm discretion to make all decisions (discretionary management), or may prefer to approve all decisions before implementation (non discretionary management). The firm also provides ongoing investment advisory/consulting services. When providing these non-management services, the firm makes investment recommendations but the client is responsible for determining whether or not to implement recommendations. The client is also responsible for actual implementation. Although some financial planning is provided as a courtesy to ongoing clients, the firm also offers separate financial planning services. These services are available generally on a project basis, but can also be structure as an ongoing engagement. In a financial planning engagement, the firm provides advice or other strategic assistance in areas such as education funding, retirement planning, estate planning, risk management, employee benefits planning, tax planning, etc. In financial planning engagements, clients

are responsible for determining whether or not to implement a recommendation, and if they decide to do so, are responsible for actual implementation. In addition these services that are provided to individuals, the firm also provides retirement plan services to businesses where the firm provides plan level services such as discretionary management services, non-discretionary management services, and investment advisory services related to different types of retirement plans. When providing management services, the firm is responsible for implementing recommendations. When the firm is providing advisory services, the client is responsible for implementation of recommendations. Regardless of the services provided, each is tailored to the individual needs of a particular client (whether an individual, a family, or a business) through an assessment conducted prior to an engagement. Clients may impose restrictions related to the level of discretion granted, the types of investments used, etc. Terms of an actual engagement, including description of service, limitations and restrictions, fees, etc., are all detailed before any engagement begins in a written client agreement. Because PFA is a registered investment adviser, we are required to meet certain fiduciary standards when providing investment advice to clients. Additionally, when we provide investment advice related to a retirement plan account or an individual retirement account, we are considered 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. As such, we are required to act in your best interest and not put our interest ahead of yours, even though our compensation creates some conflicts with your interests in that the more you have us manage, the more we can earn. Our clients however are under no obligation to use services recommended by our associated persons. Furthermore, we believe that our recommendations are in the best interests of our clients and are consistent with our clients’ needs. As of 11/30/2022, PFA managed approximately $298,295,491 of assets, of which approximately $247,395,761 was managed on a discretionary basis and approximately $50,899,730 was managed on a nondiscretionary basis. PFA also provided ongoing advisory services on approximately $80,616,857 of additional assets.