Firm Overview ATLas Financial Planning, LLC is a limited liability company (LLC) formed in 2020 under the laws of the State of Georgia, doing business under the trade name of ATLas Investment Advisors. ATLas Investment Advisors became registered as a registered investment adviser in the State of Georgia in June 2023, and has applied for registration with the United States Securities and Exchange Commission in March 2024. George Christian Mauser, CIMA®, CFP®, CRPC®, CRC and Rebecca O. Richardson, CFP® are the Managing Members of our firm. The experience, education, and qualifications of the principals can be found in the accompanying Brochure Supplement. Services We tailor our advisory services to the individual needs of our clients. We offer portfolio management services, and financial planning services. Each of these is described in more detail below. Before receiving any advisory services, you will need to sign a written agreement that details the exact terms of service. We do not provide advisory services without an advisory agreement. All advisory services are provided to you by a qualified individual who is registered as an Investment Adviser Representative of our firm. Portfolio Management Services Our Portfolio Management Services provide continuous and ongoing management of your investment portfolio, based on your individual needs and investment objectives. Your investment portfolio includes your brokerage accounts held by a qualified custodian for which you have appointed us as your investment adviser of record. Through personal discussions and review of your personal financial circumstances, we determine your individual objectives, time horizon, risk tolerance, and liquidity needs. With this information, we help you define your financial goals and investment objectives. We then develop a personal investment strategy for you that includes an asset allocation target. We will create and manage your investment portfolio based on your strategy and allocation target. When applicable, tax consequences are also considered. We establish your investment strategy based on the information you provide to us. Inaccurate or incomplete information may result in an inappropriate investment portfolio. Past performance is no indication of future performance, and we cannot offer any guarantees or promises that your goals and objectives will be met. Changes to your personal financial circumstances, goals, or objectives may cause your investment strategy to become inaccurate and out of date. We recommend you notify us promptly of any changes so your investment portfolio can be updated, if necessary. You may choose to have us provide our investment management services on either a discretionary basis or a non- discretionary basis.
• Discretionary management means we are not required to give you advance notice or to seek your consent for any changes to your portfolio. You grant us discretionary authority to buy and sell securities in your accounts. This authority is established and agreed upon in the Portfolio Management Agreement. With this authority we can transact securities without obtaining approval or consent from you prior to effecting the transaction. However, these transactions are made in accordance with the investment strategy we have established with you. Discretionary management allows us to manage your portfolio more efficiently.
• Non-discretionary management means that we will consult with you regarding any changes we recommend for your portfolio, and obtain your approval prior to effecting any transactions in your account. With non- discretionary management, if we are unable to contact you to obtain your approval, it may cause delays in implementing our recommendations. Although you retain ownership and control over your investment account, we ask that you refrain from conducting transactions in the account without first notifying us. Please coordinate with us on any anticipated deposits or withdrawals so we can ensure your investment strategy is maintained. Financial Planning Our Financial Planning Services involve an evaluation of your current financial circumstances and future projections by using currently known variables to predict future cash flows, asset values, and withdrawal plans. We will guide you through a process to establish your goals and values around money. You will be required to provide information as necessary to help us analyze your current financial situation, desired goals, and anticipated future needs. You will receive a written or an electronic report, providing you with a detailed financial plan designed to achieve your stated financial goals and objectives. We will provide analysis and recommendations regarding specific topics, which may include any or all of the following, depending on your specific needs:
• Cash Flow and Debt Management. We will provide advice on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts.
• Financial Goals. We will help you identify financial goals and develop a plan to reach them. We will identify what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.
• Business Planning. We can provide consulting services if you currently operate your own business, are considering starting a business, or are planning for an exit from your current business. Under this type of engagement, we work with you to assess your current situation, identify your objectives, and develop a plan aimed at achieving your goals.
• Retirement Planning. Our retirement planning services typically include projections of your likelihood of achieving your financial goals, focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (e.g., working longer, saving more, spending less, taking more risk with investments). If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.
• Investment Analysis. This may involve developing an asset allocation strategy to meet your financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item 8 of this brochure.
• Employee Benefits Optimization. We will provide a review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits. If you are a business owner, we will consider and/or recommend the various benefit programs that can be structured to meet both business and personal retirement goals.
• Risk Management. A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long‐term care planning. Advice may be provided on ways to minimize such risks, and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self‐insuring”). We will review your existing insurance policies to ensure proper coverage for life, health, disability, long-term

care, liability, home, and automobile.
• College Savings. We can assist with projecting the amount that will be needed to achieve college or other post-secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid or the best way to contribute to children or grandchildren (if appropriate).
• Estate Planning. This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts, and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. Please note we do not provide legal advice. We always recommend you consult with a qualified attorney when you initiate, update, or complete estate planning activities. If you wish to hire an attorney for such purposes, we may be able to provide you with contact information for attorneys who specialize in estate planning, based on our knowledge or research of the credentials of such attorneys. When we provide contact information, we do so only as a convenience to you, and it should not be viewed as a recommendation or endorsement. You are encouraged to perform your own due diligence when hiring professionals. We do not receive referral fees for providing contact information. From time-to-time, we will participate in meetings or phone calls between you and your attorney with your approval or request.
• Tax Planning Strategies. Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with the consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation. Please note we do not provide tax advice. We recommend you consult with a qualified tax professional before initiating any tax planning strategy. If you wish to hire a tax professional, we may be able to provide you with contact information for tax professionals based on our knowledge or research of the credentials of such tax professionals. When we provide contact information, we do so only as a convenience to you, and it should not be viewed as a recommendation or endorsement. You are encouraged to perform your own due diligence when hiring professionals. We do not receive referral fees for providing contact information. We will participate in meetings or phone calls between you and your tax professional with your approval. We base our financial plans on the information you provide to us. Inaccurate or incomplete information may result in an inaccurate or incomplete financial plan. To create a financial plan, we must make certain assumptions with respect to interest and inflation rates, past trends, and future projections of the performance of the market and economy. Past performance is no indication of future performance, and we cannot offer any guarantees or promises that your goals and objectives will be met. Changes to your personal financial circumstances, goals, or objectives may cause your financial plan to become inaccurate and out of date. We recommend you notify us promptly of any changes so your plan can be updated. Clients who engage our Portfolio Management Services receive our Financial Planning Services on an ongoing basis for no additional fee. We use the information provided by you in the financial planning process to formulate our investment recommendations for your investment portfolio. As your financial circumstances change, we will work with you to update your financial plan as needed, and adjust your investment portfolio as necessary. Financial Planning Services are provided on a non-discretionary basis. This means you have the option to implement any of the recommendations made in the financial plan. You are not obligated to implement any financial planning recommendations made by us. Although the financial plan may consider your tax situation or estate plan, we do not provide tax or legal advice. We recommend you work closely with your attorney, accountant, or other investment professionals in implementing your plan. We are happy to work with your professionals to coordinate your financial plan with your estate planning and tax planning. Project-Based Financial Plan. Clients who do not receive our Portfolio Management Services may engage our Financial Planning Services on a project basis for a one-time financial plan. You will receive a written or an electronic report, providing you with a detailed financial plan designed to achieve your stated financial goals and objectives. We will provide analysis and recommendations regarding specific topics, which may include any or all of the topics described above, depending on your specific needs. For Project-Based Financial Plans, we do not provide ongoing review or updates of your financial plan. Individuals who engage us for a Project-Based Financial Plan may implement any investment recommendations on your own. We do not have any control over the timing or accuracy of any transactions executed by you. Types of Investments We generally employ long-term buy-and-hold passive investment strategies, and do not engage in market timing. Clients may impose reasonable restrictions on investing in certain types of securities. We typically will recommend mutual funds, exchange-traded funds (ETFs), stocks and bonds for our clients’ investment portfolios, but may also recommend other types of investments when appropriate based on a client’s circumstances. See Item 8 for additional information on our portfolio management practices. Client-Tailored Advisory Services We tailor our advisory services to your individual needs. We will conduct an initial interview and data gathering process to determine your financial situation and investment objectives. We provide our advisory services consistent with your investment objectives and with our fiduciary duty to you. You may request reasonable restrictions on investing in certain securities, types of securities, or industry sectors. We will make a reasonable attempt to honor any reasonable restrictions you request, but in the case of pooled investment vehicles such as mutual funds or ETFs where underlying holdings change frequently, we cannot guarantee restrictions will always be enforced. In addition, such restrictions may cause us to deviate from the investment decisions we would otherwise make in managing your account. In some cases, we may not be able to accommodate restrictions if they do not allow us to manage your portfolio in a prudent manner. You may also impose reasonable restrictions upon certain securities or types of securities in your account. We will contact or attempt to contact you annually to confirm if there have been any changes in your financial situation or investment objectives, or determine if you wish to impose or modify account restrictions. Because our advisory services are based on your specific financial circumstances, you are urged to promptly notify us any time you experience changes to your financial circumstances, so we can determine if any changes to your investment strategy or our recommendations are necessary. Wrap Fee Program We do not participate in a wrap fee program. Assets Under Management As of December 31, 2023, we had $73,685,849 in assets managed on a discretionary basis and $27,021,879 in assets managed on a non-discretionary basis. This section will be updated on at least an annual basis to reflect our assets under management as of December 31 of each year, or more frequently if material changes occur with regard to the assets we manage.