A. Description of the Advisory Firm CSP Financial Group LLC (hereinafter “CSPFGLLC”) is a Limited Liability Company organized in the State of Arizona. The firm was formed in April 2020, became registered as an investment advisor in November 2020, and the principal owner is Charles Arthur Pettit. B. Types of Advisory Services Selection of Other Advisers CSPFGLLC will recommend Matson Money, a third-party investment adviser. CSPFGLLC conducts due diligence on the third-party investment adviser which includes the following: phone calls, meetings and review of the third-party adviser's performance and investment strategy. CSPFGLLC will assist a client to engage with Matson Money by referring the client to Matson Money, the third-party adviser. CSPFGLLC will review the ongoing performance of the third-party adviser. CSPFGLLC will direct clients to Matson Money, Inc. Matson Money offers two advisory programs: (1) the Matson Fund Platform; and (2) Private Account Asset Allocation. Under the Matson Fund Platform, Matson money will invest Client assets primarily through the Free Market Funds. Under the Frontier Adjusted Portfolio program, Client assets are generally allocated to any one or a combination of the three affiliated Free Market Funds and participating Client portfolios are required to be adjusted annually to reduce their risk profile over time. In Private Account Asset Allocation, Client assets are primarily allocated within a family of no-load mutual funds managed by Dimensional Fund Advisors, LP (“DFA”), an unaffiliated, registered investment adviser. DFA mutual funds are generally not available to individual investors with small accounts except through the services of an investment adviser like Matson Money. CSPFGLLC will deliver the client a copy of the Part 2A brochure for Matson Money which describes the services offered in greater detail. Portfolio Analysis (MRI) Services CSPFGLLC performs a portfolio “MRI” service; an analogy used to describe looking deeply into the holdings of a client’s existing portfolio. Specifically, CSPFGLLC will outline the client’s current financial situation, including annual income, savings, tax levels, and risk tolerance levels. CSPFGLLC will then prepare a report for the client and work with the client to ensure that investments match the client’s risk tolerance, goals, and time horizon. Financial Planning Financial plans and financial planning include, but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. In offering financial planning, a conflict exists between the interests of the investment adviser and the interests of the client. The client is under no obligation to act upon the investment adviser's recommendation, and, if the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser. This statement is required by California Code of Regulations, 10 CCR Section 260.235.2. Pension Planning Services CSPFGLLC planning services through Ubiquity Retirement & Savings. CSPFGLLC will use Ubiquity’s CensiblyYours (CY) Custom Index Portfolios. These Portfolios are powered by Kaye Capital Management (KCM) which are low-cost index-based investment options with the

backing of 3(38) investment fiduciary. Seminars and Workshops CSPFGLLC holds seminars and workshops to educate the public on different types of investments and the different services they offer. The seminars are educational workshops on finance and no specific investment or tax advice is given. These seminars are attended by individuals and/or business owners ranging in age from 25-65 who are seeking education on how the markets work. Seminars are offered to all Clients. Pontera Solutions Inc Services CSPFGLLC provide an additional service for accounts not directly held in our custody, but where we do have discretion, and may leverage an Order Management System to implement tax-efficient asset location and opportunistic rebalancing strategies on behalf of the client. These are primarily 401(k), Thrift Savings Plan (TSP) accounts, HSAs, and other assets we do not custody. We regularly review the available investment options in these accounts, monitor them, and rebalance and implement our strategies in the same way we do other accounts, though using different tools as necessary. All clients engaging in Investment Management Services must either engage in a Comprehensive Financial Planning Subscription with a minimum annual fee of $1,200.00 or meet a $86,000 minimum of assets under management. This fee will be assessed and billed quarterly. Specifically, the exact amount charged is determined by the daily average over the quarter. The current exception for this is directly managed held-away accounts, which are determined by the account value at the end of the quarter. In either case, if the Adviser only manages your assets for part of a quarter, the charge will be prorated. The advisory fee is a blended fee and is calculated by assessing the percentage rates using the predefined levels of assets as shown in the below chart and applying the fee to the daily average of the account value or the account value as of the last day of the previous quarter (per the paragraph above), resulting in a combined weighted fee. For example, an account valued at $2,000,000.00 would pay an effective fee of 1% with the annual fee being $20,000.00 (a quarterly fee of $5,000.00). Investment management fees are generally directly debited on a pro rata basis from client accounts. Services Limited to Specific Types of Investments CSPFGLLC generally limits its investment advice to mutual funds, fixed income securities, insurance products including annuities, equities and ETFs. CSPFGLLC will use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions CSPFGLLC offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels). Clients may not impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses, and other administrative fees. CSPFGLLC does not participate in any wrap fee programs. E. Assets Under Management CSPFGLLC does not have assets under management.