ABOUT OUR FIRM Abound Financial, LLC has been in business since 2016, and its principal owner is David Laut. Abound Financial is registered with the Securities and Exchange Commission ("SEC") as an investment adviser in August of 2023, with our principal place of business in California. This brochure is designed to provide detailed and precise information about each item noted in the table of contents. Certain disclosures are repeated in one or more items; others are referred to throughout to be as comprehensive as possible on the broad subject matters discussed. Within this brochure, specific terms and abbreviations are used as follows:
• “Abound” refers to Abound Financial.
• “Firm,” “we,” “us,” and “our” refers to Abound Financial.
• “Advisor,” “Investment Advisor Representative,” and “IAR” refers to our professional representatives who provide investment recommendations or advice on behalf of Abound Financial.
• “the Client” refers to Clients of Abound Financial and its advisors.
• “Code” refers to our Firm’s Code of Ethics.
• “CCO” refers to our Chief Compliance Officer.
• “Agreements” refers to Investment Advisory Agreements. Our Firm offers a wrap fee program as described in this Wrap Fee Program Brochure. A wrap fee program is generally considered any arrangement under which clients receive investment advisory services and the execution of client transactions for a specified fee or fees not based upon transactions in their accounts. All our investment management clients will be offered the wrap fee program structure that includes, as a single fee, the securities transaction costs for trading in Client accounts along with the investment advisory fees earned by our firm. Our firm receives a portion of the wrap fee for the services rendered. While traditional Wrap Fee Programs are often rigid, pre-packaged investment programs, our firm customizes its investment strategies individually for its clients. Prior to receiving services through the Program, clients are required to enter into a written advisory agreement with our firm, setting forth the relevant terms and conditions of the investment advisory relationship (the “Agreement”). OUR WRAP ADVISORY SERVICES Our Firm offers various advisory services, including discretionary investment management, financial planning, and LPL third-party money management services. Before rendering any preceding advisory services, Clients must enter into one or more written Agreements, setting forth the relevant terms and conditions of the advisory relationship. STRATEGIC WEALTH MANAGEMENT ( “SWM II”) Our Firm provides ongoing investment advice and management of assets using separately managed accounts with LPL Financial in the client’s custodial Strategic Wealth Management (“SWM II”) account held at LPL Financial. Strategic Wealth Management is the name of the custodial account offered through LPL to support investment advisory services provided by our Firm to our clients. Our IARs provide advice on the purchase and sale of various types of investments, such as mutual funds, exchange-traded funds (“ETFs”), variable annuity subaccounts, real estate investment trusts (“REITs”), equities, and fixed-income securities. Our advice is strategically tailored to guide clients toward attaining their financial goals and protecting their acquired wealth. Accounts are reviewed on a regular basis and rebalanced as necessary according to each client’s investment strategy. COST OF THE PROGRAM We provide services on a wrap fee basis as part of LPL’s sponsored wrap fee program. Under LPL’s SWM II program, you will receive investment advisory services, the execution of securities brokerage transactions, custody, and reporting services for a single specified “wrap fee.” The wrap fee program at LPL may be more or less than the fees and commissions charged by other advisory firms, third-party managers, and brokerage firms if the services were acquired separately. The factors that bear upon the cost of services are the size of the account, the type of transaction, and whether trades are placed through a brokerage firm other than the custodian resulting in a per-trade commission being charged. The fee covers transaction costs or commissions resulting from the management of your accounts; however, most investments trade without transaction fees today, so our payment of these and other incidental custodial-related expenses should not be considered a significant factor in determining the relative value of our wrap program. Participants in the Program may pay a higher aggregate fee than if brokerage services are purchased separately. Additional information about the Program is available in Abound Financials’ Wrap Brochure, which appears as Part 2A Appendix 1 of the Firm’s Form ADV, and the terms and conditions of a wrap program engagement are more fully discussed in LPL’s Disclosure Brochure provided prior to opening your account. We adhere to our fiduciary duty when trading in your accounts. Trades are made only on the basis of the account’s stated investment objectives and without concern for our Firm’s trading costs and expenses that trading the accounts will create. In order to mitigate this conflict of interest, we will fulfill our fiduciary duty by acting in the client’s best interest. STRATEGIC WEALTH MANAGEMENT (“SWM II”) The account fee charged to the Client for each LPL advisory program is negotiable, subject to the following maximum account fees: o Strategic Wealth Management II (“SWM II”) 2.05% Our maximum annual fee is 2.05%. Our annual fee is prorated and charged quarterly in advance based on the value of the Client’s assets under management as of the close of business on the last business day of the previous quarter. Cash and cash equivalents, including money market funds, are subject to the agreed-upon advisory fee. Clients should understand that the advisory fees charged on these balances may exceed the returns provided by cash, cash equivalents, or money market funds, especially in low-interest rate environments. Our Firm retains complete discretion to negotiate fees and may waive or impose different fees on any Client. The investment advisory fees will be deducted from the Client account and paid directly to our Firm by LPL Financial (“LPL”). The Client will authorize LPL Financial to deduct fees from the account and pay such fees directly to our Firm. All account assets, transactions, and advisory fees will be shown on the monthly or quarterly statements provided by LPL. The Client should review their account statements received from LPL and verify that appropriate investment advisory fees are being deducted. The qualified Custodian(s) will not verify the accuracy of the investment

advisory fees deducted. We may aggregate related Client accounts to calculate the advisory fee applicable to the Client. The investment management agreement will outline the fee charged to the Client and any breakpoints based on the level of assets managed. The fees are subject to change with prior written notice to the Client. Transaction costs are included in a single fee that covers both advisory fees and transaction costs, the latter of which is paid by the adviser. Please refer to our Firm’s Wrap Brochure for more information. The Firm or the IAR has the option to negotiate with the custodian for a flat basis point or flat fee to cover all of the transaction charges or will pay the standard transaction fees. It is important to remember that the IAR can charge a higher overall advisory fee to offset their cost for the transaction charges involved in managing the portfolio. The appropriateness of SWM II can depend on a number of factors, including, among other things, client investment objectives and financial situation, frequency of withdrawals from the accounts, the IAR's investment strategies and trading patterns, including the frequency of trading, and the number and size of the transactions. Clients should consider that SWM II can exceed the aggregate cost of services if they were to be provided separately depending upon the fee charges, the amount of portfolio activity in their accounts, the value of services, and other factors. A transaction-based pricing arrangement can be more cost-effective for accounts that do not experience frequent trading activity or client withdrawals, which would increase the number of transactions. Our Firm primarily utilizes mutual funds that are part of the custodian's No-Transaction Fee (NTF) platform. This platform allows our Firm to buy mutual funds without transaction fees being charged to the account. The client may still pay fees associated with mutual fund family fees described in their prospectus and the custodian's fee disclosure. Although clients do not pay a transaction charge for transactions in a SWM II account, clients should be aware that our Firm can pay LPL transaction charges. The transaction charges paid by Advisor vary based on the type of transaction (e.g., mutual fund, equity, or ETF) and for mutual funds based on whether or not the mutual fund pays 12b-1 fees and/or recordkeeping fees to LPL. Because Advisor pays the transaction charges in SWM II accounts, there is a conflict of interest in cases where the mutual fund is offered at $0 and $26.50. Clients should understand that the cost to our Firm of transaction charges may be a factor that Advisor considers when deciding which securities to select and how frequently to place transactions in an SWM II account. In many instances, LPL makes available mutual funds in an SWM II account that offer various classes of shares, including shares designated as Class A Shares and shares designed for advisory programs, which can be titled, for example, as "Class I," 'institutional," "retail," "service," "administrative" or "platform" share classes ("Platform Shares"). The Platform Share class offered for a particular mutual fund in SWM II, in many cases, will not be the least expensive share class that the mutual fund makes available and was selected by LPL in certain cases because the share class pays LPL compensation for the administrative and recordkeeping services LPL provides to the mutual fund. The Client should understand that another financial services firm may offer the same mutual fund at a lower overall cost to the investor than is available through SWM II. Please refer to the relevant LPL Form ADV program brochure for a more detailed discussion of conflicts of interest. Our annual investment advisory fee may be higher than that of other investment advisers that offer similar services and programs. In addition to our compensation, the Client may incur charges imposed at the mutual fund level (e.g., advisory fees and other fund expenses). Accounts initiated or terminated during a calendar quarter will be charged a prorated fee based on the days the Client account was open. ADDITIONAL FEES & EXPENSES LPL has made available a no-transaction-fee (NTF) mutual fund network. This network of funds will make only one share class available for specific fund families. When NTF funds are purchased in the SWM account, no transaction charges are assessed to the Client or advisor. Sponsors of mutual funds in the NTF network pay LPL compensation to participate in the NTF network. Not all share classes or funds within a fund family may be available at NTF. When NTF funds are redeemed, the transaction costs are waived. Please read the prospectus carefully before investing. There are some exceptions where LPL will continue to offer an additional share class at $26.50, depending on the expense of the fund and minimums instituted by the fund company. Clients should be aware that advisors may be more likely to recommend funds that are participants in the NTF network. Please ask an IAR for current details. A complete list of mutual fund sponsors participating in the SWM NTF Program can be found by visiting https://lplfinancial.lpl.com/disclosures.html. The mutual fund companies that choose to participate in the NTF fund program pay a fee to be included in the NTF program. The mutual fund owners ultimately bear the fee that a company pays to participate in the program, as captured in the fund’s expense ratio. When choosing a fund from the NTF list, our Firm considers the expected holding period, position size, and expense ratio versus alternative funds. Depending on our Firm’s analysis and future events, NTF funds might not always be in the Client’s best interest. LPL Financial offers a trading platform with select exchange-traded funds (“ETFs”) that do not charge transaction fees. The no-transaction-fee ETF trading platform is available to Clients participating in LPL Financials Strategic Wealth Management (“SWM”) program. Clients will be subject to transaction fees charged by LPL Financial for ETFs not included in LPL Financials’ platform and for other types of securities. The limited number of ETFs available on LPL Financials’ no-transaction-fee platform may have higher overall expenses than other types of securities and ETFs not included in the platform. Other major custodians have eliminated transaction fees for all ETFs and U.S. listed equities, so Clients may pay more for investing in the same securities at LPL Financial. When selecting investments for our Clients’ portfolios, we might choose mutual funds on the Client account Custodian’s Non-Transaction Fee (NTF) list. This means that the Client account Custodian will not charge a transaction fee or commission associated with the purchase or sale of the mutual fund.