Firm Information At GFG Solutions, we’ve reimagined the financial planning experience. The firm is organized as a limited liability company (“LLC”) under the laws of Florida. GFG Solutions registered as an investment advisor with the U.S. Securities and Exchange Commission (“SEC”) in 2023. This Disclosure Brochure provides information regarding the qualifications, business practices, and advisory services GFG Solutions offers. Tailored and thorough financial planning is at the core of what we do. We aim to empower our clients to be great stewards of their money. To achieve this, we must understand someone’s financial life. Once we see the full picture, we begin to help in the exact way our clients need, whether that be the full planning approach or a specific financial planning service. Principal Owner Claudio Gambin President, Chief Executive Officer & Financial Advisor Claudio graduated from the University of Central Florida with a major in Entrepreneurship. After graduating, he started as an intern in the financial services business and quickly fell in love with the work. He became a full-time Financial Advisor in 2010 and founded GFG Solutions. Claudio’s passion lies in working with business owners and specializes in helping those clients in the areas of risk management, cumulative tax planning, estate distribution strategies and business transfer planning. Types of Advisory Services Offered GFG Solutions offers discretionary1 and non-discretionary asset management and financial planning services to individuals, high net worth individuals, and business owners (each referred to as a “client”). Investment accounts are maintained at Charles Schwab & Co., Inc. “(Schwab”).) a FINRA2/SIPC3 member broker/dealer and registered with the Securities & Exchange Commission , to serve as the custodian for client funds (“Custodian”).
• GFG Solutions is independently owned and operated and not affiliated with Schwab.
• Schwab will act solely as a broker/dealer and not an investment advisor and will have no discretion to execute trades.
• Schwab does not open accounts, monitor or supervise investment activity
• Investment advice is not limited to certain types of investments. Advisory services are tailored to the individual needs of clients who may impose restrictions on investing in certain securities or types of securities. 1 Client grants Advisor ongoing and continuous authority to execute its investment recommendations without the Client's prior approval of each specific transaction. Under this authority, Client shall allow Advisor to purchase and sell securities and instruments in this Account(s), arrange for delivery and payment in connection with the foregoing, select and retain sub-advisors, and act on behalf of the Client in all matters necessary or incidental. 2 FINRA (Financial Regulatory Authority) is dedicated to investor protection and market integrity through effective and efficient regulation of the securities industry. FINRA is not part of the government but an independent, not-for-profit organization authorized by Congress to protect America’s investors by making sure the securities industry operates fairly and honestly. http://www.finra.org. 3 SIPC (Securities Investors Protection Corporation) was created under the Securities Investor Protection Act as a non-profit membership corporation. SIPC oversees the liquidation of member broker-dealers that close when the broker-dealer is bankrupt or in financial trouble, and customer assets are missing. http://sipc.org Planning For Families GFG Solutions helps families prepare for their financial future. Having a family brings unique complexities to your finances having a plan and team in place helps to manage these complexities. We help families plan as they grow. Through marriage, parenthood, college, retirement, and beyond, our team will help plan and prepare for your family’s financial future. Planning For Businesses GFG Solutions helps business owners through every phase of their business life cycle, from startup to growth, to expansion, and finally, maturity and exit. There can be a lot of questions and uncertainty along the way. In our thorough, comprehensive financial planning process, we take the time to get to know our client’s true desires and goals for their business. Is this economic engine intended to fund an owner’s retirement? Or will this be transitioned to the next generation? There is a lot to consider, so let us help you gain clarity and a clear path toward financial certainty. Insurance Strategy & Analysis Building a strong foundation is pillar number one of our planning philosophy and nothing is more foundational than ensuring you and those you love the most are properly protected. Wealth Management At GFG Solutions, it is important to us that we let your goals and the financial plan lead the conversation because they play a strong role in the decisions we make with your investment portfolio. Additionally, having a thorough understanding of your risk tolerance and past experience is crucial to us delivering recommendations that align with your goals and values. Many firms will provide cookie- cutter, proprietary portfolios for their clients but we pride ourselves on offering customized solutions to meet your goals. True Wealth Management incorporates a variety of important aspects and strategies:
• Savings & Investment Philosophy
• Retirement Goals
• Risk Tolerance
• Time Horizon
• Tax/loss Harvesting
• Customized Investment Portfolio Creation
• Thorough Investment Analysis
• Past Experiences & What You Truly Want Out of An Advisor Wrap Fee Program Transaction fees are paid by GFG Solutions instead of the client, which make the advisory accounts offered by GFG Solutions a wrap fee program4. Clients should understand that the cost of transaction charges can be a factor that GFG Solutions considers when deciding which securities to select and how frequently to place transactions. GFG Solutions has a financial incentive to recommend Class A Shares in cases where both Class A and Platform Shares are available. This is a conflict of interest which might incline GFG Solutions , consciously or unconsciously, to render advice that is not disinterested. GFG Solutions generally does not pay transaction charges for Class A Share mutual fund transactions accounts, but generally does pay transaction charges for Platform Share mutual fund transactions. The cost5 to GFG Solutions of transaction charges generally can be a factor Advisor considers when deciding which securities to select and whether or not to place transactions in the account.
• Please see Appendix 1 –Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. 4 A wrap fee program is a comprehensive advisory account with a single fee that covers a bundle of services, such as, portfolio management, advice, and investment research as well as trade execution, custody, and reporting fee. 5 The lack of transaction charges to GFG Solutions for Class A Share purchases and sales, together with the fact that Platform Shares generally are less expensive for a client to own, presents a significant conflict of interest between GFG Solutions and the client. In short, it costs less to recommend and select Class A share mutual funds than Platform shares, but Platform shares will generally outperform Class A mutual fund shares on the basis of internal cost structure alone. Clients should understand this conflict and consider the additional indirect expenses borne as a result of the mutual fund fees when negotiating and discussing with your Advisor the advisory fee for management of an account. Sub-Advisory Agreement GFG Solutions can enter into a sub-advisory agreement. A sub-advisory agreement is a contractual arrangement between two registered investment advisors, where one firm (the "sub-adviser") is hired by another firm to manage a portion of the assets of a specific investment fund or client account. In this arrangement, GFG Solutions retains overall responsibility for managing the client account while delegating a portion of the investment decisions and portfolio management functions to the sub-advisor. A sub-advisory agreement outlines the terms and conditions

of the collaboration between the two firms, including the scope of the sub- advisor's responsibilities, the compensation structure, and any other relevant terms. The agreement will clearly define the specific duties and responsibilities of the sub-advisor. This can include investment strategy, asset allocation, security selection, risk management, and performance reporting. The compensation structure for the sub-advisor is usually outlined in the agreement. Compensation can be a fixed fee, a percentage of assets under management, or a combination of both. The agreement also addresses any additional fees or expenses the sub-advisor is entitled to. The non-exclusive functions of a sub-advisor generally include determining the composition and portfolio allocation, the nature and timing of the changes therein and the manner of implementing such changes, investment monitoring, and research. GFG Solutions delegates to the Sub-Advisor the power and authority to effectuate its investment decisions, including the execution and delivery of all investment related documents, placing trades, and billing. A sub-advisor has a fiduciary duty to GFG Solutions and it’s clients. Retirement Plan Rollovers An employee generally has four (4) options for their retirement plan when they leave an employer: 1. Leave the money in his/her former employer’s plan, if permitted 2. Rollover the assets to his/her new employer’s plan if one is available and permitted 3. Rollover to an Individual Retirement Account (IRA), or 4. Cash out the account value, which has significant tax considerations Each of these options has advantages and disadvantages and before making a change we encourage you to speak with your CPA and/or tax attorney. If you are considering rolling over your retirement funds to an IRA for us to manage here are a few points to consider before you do so:
• Determine whether the investment options in your employer's retirement plan address your needs or whether you might want to consider other types of investments.
• Employer retirement plans generally have a more limited investment menu than IRAs.
• Employer retirement plans may have unique investment options not available to the public such as employer securities, or previously closed funds.
• Your current plan may have lower fees than our fees. If you elect to roll the assets to an IRA that is subject to our management, we will charge you an asset-based fee as set forth in the agreement you executed with our firm. This practice presents a conflict of interest because Investment Advisor Representatives have 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. Moreover, if you do complete the rollover, you are under no obligation to have the assets in an IRA managed by our firm. Many 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 be 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. Clients should understand the various products and services they might take advantage of at an IRA provider and the potential costs of those products and services.
• Our strategy may have higher risk than the option(s) provided to you in your plan. • Your current plan may also offer financial advice. • If you keep your assets titled in a 401k or retirement account, participants could potentially delay their required minimum distribution beyond age. • A 401(k) may offer more liability protection than a rollover IRA; each state may vary. • Participants may be able to take out a loan on your 401k, but not from an IRA. • 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 the purchase of a home. • If company stock is owned in a plan, participants may be able to liquidate those shares at a lower capital gains tax rate. • Plans may allow Advisor to be hired as the manager and keep the assets titled in the plan name. 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 some exceptions to the general rules so you should consult with an attorney if you are concerned about protecting your retirement plan assets from creditors. It is important to understand the differences between these types of accounts and to decide whether a rollover is the best option. Prior to proceeding, if you have questions contact your Investment Adviser Representative, or call our main number as listed on the cover page of this brochure. GFG Solutions generally provides educational services to retirement plan participants with assets that could be rolled-over to an IRA advisory account. Education is based on a particular Client’s financial circumstances and best interests. Again, Advisor has an incentive to recommend such a rollover based on the compensation received, which is mitigated by the fiduciary duty to act in a Client’s best interest and acting accordingly. If GFG Solutions provides investment advice to you regarding your retirement plan account or individual retirement account, we are 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. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Und er this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and,
• Give you basic information about conflicts of interest. Asset Under Management As of March 25, 2024, the assets under management are: Discretionary Non-Discretionary $151,145,008 $0.00 Clients may request more current information at any time. Hourly Consulting GFG Solutions can provide hourly consulting services when a narrower scope of services is appropriate. Hourly consulting considers information collected from the client, such as financial status, investment objectives and tax status, among other data. The Investment Adviser Representatives may or may not deliver a written analysis or report as part of the services. The engagement terminates upon final consultation with the client. Business Continuity Plan GFG Solutions has a business continuity and contingency plan in place designed to respond to significant business disruptions. These disruptions can be both internal and external. Internal disruptions that could impact our ability to communicate and do business, such as a fire in the office building. External disruptions will prevent the operation of the securities markets or the operations of a number of firms, such as earthquakes, wildfires, hurricanes, terrorist attack or other wide-scale, regional disruptions. Our continuity and contingency plan has been developed to safeguard employees’ lives and firm property, to allow a method of making financial and operational assessments, to quickly recover and resume business operations, to protect books and records, and to allow clients to continue transacting business. The plan includes the following:
• Alternate locations to conduct business
• Hard and electronic back-ups of records
• Alternative means of communications with employees, clients, critical business constituents and regulators; and Details on the firms’ employee succession plan. Our business continuity and contingency plan is reviewed and updated on a regular basis to ensure that the policies in place are sufficient and operational.