Frankly Finances, LLC (“Frankly Finances”, the “Firm”, “we”, “our”, or “us”) is a limited liability company formed on April 22, 2022, in the State of Florida. The Firm became registered as an investment adviser on June 21, 2022, with the Florida Office of Financial Regulation. On December 22, 2023, Frankly Finances applied for registration with the SEC. The Firm is owned entirely by Frank Garcia, who is also the Firm’s Chief Compliance Officer. As discussed below, Frankly Finances provides fee-only financial planning and investment management services to individuals, high-net worth individuals, corporations, and other businesses. It also provides retirement plan consulting services to small businesses. The specific services and the fees for those services are subject to agreement between Frankly Finances and the client. Financial Planning Services Our financial planning services include one or more of the following:
• Cash flow analysis
• Multigenerational planning
• Estate planning
• Insurance review
• Investment portfolio review and analysis
• Retirement planning
• Tax planning and optimization Further, Frankly Finances may assist institutional clients with review of their portfolios, including investment allocation, fees and expenses, and committee structure. Depending upon the agreed upon scope of services, we analyze the client’s current financial situation, define their goals and define the steps they need to achieve them. Clients are responsible for promptly notifying the Firm if there is ever any change in their financial situation or investment objectives so that we can review, and if necessary, revise our previous recommendations. In providing services, we tailor our services to the individual needs of the client. Clients may impose any restriction on our financial planning services by notifying us of those restrictions. Those restrictions will be honored if you provide them in writing or we confirm our agreement to them in writing. Frankly Finances is not a law firm or accounting firm, and Frank Garcia is not a lawyer or accountant. Its services should not be construed as legal or accounting services. We do not prepare estate planning documents, tax returns, or sell insurance products. We may recommend the services of other professionals. The client is under no obligation to engage the services of any recommended professional. The client retains absolute discretion over all implementation decisions and is free to accept or reject any recommendation from the Firm. Frankly Finances may charge

for these services as follows: (a) one-time, fixed fee, (b) hourly rates, or (c) an annual subscription. More information about our fees is available in Item 5 below. Investment Management Services The Firm also provides investment management services. We provide investment advice that is specifically tailored to the client’s individual needs, goals, and objectives. The process begins with discussions covering a variety of factors, including the client’s particular circumstances, risk tolerance, prior investment history and experience, asset and liability levels, and liquidity requirements. We then develop a client’s personal investment plan and create and manage an investment portfolio based on that plan. Once the appropriate portfolio has been determined, portfolios are continuously and regularly monitored, and if necessary, adjusted based upon the client’s individual needs, stated goals, and objectives. Clients may impose reasonable restrictions on investing in certain securities, types of securities or industry sectors. Generally, clients will pay a flat fee for investment management. Additional information about the fees for this service is available in Item 5 below. Retirement Plan Consulting Services Frankly Finances offers retirement plan consulting services to sponsors of self-directed retirement plans organized under the Employee Retirement Security Act of 1974 (“ERISA”). The terms and conditions of the engagement between the Firm and the plan sponsor will be set forth in a Pension Consulting Agreement. If the Firm performs these services in an ERISA Section 3(21) capacity, it will assist the plan sponsor with the development of investment policy statements, and then the selection and monitoring of investment alternatives from which plan participants may choose in self-directing the investments for their individual plan retirement accounts. Upon request by the plan sponsor, Frankly Finances may also provide participant education designed to assist participants in identifying the appropriate investment strategy for their retirement plan accounts. If the plan sponsor chooses to engage the Firm in an ERISA Section 3(38) capacity, we may provide the same services as described above, but may also: create specific asset allocation models that Frankly Finances manages on a discretionary basis, which plan participants may choose in managing their individual retirement account; and/or modify the investment options made available to plan participants on a discretionary basis. As of December 20, 2023, we managed $124,923,332 on a discretionary basis.