Financial Insights, Inc. is an SEC-registered investment advisor with its principal place of business located in Tacoma, Washington. Financial Insights began conducting business as a registered investment advisor in 1984. Dorothy A. Lewis is Financial Insights’ founder and Alexandria A. Kemp services as Chief Executive Officer and Chief Compliance Officer. Financial Insights, Inc. also uses the business name, Financial Insights Wealth Management. As used in this brochure, the words “Financial Insights”, "we", "our firm", “Advisor” and "us" refer to Financial Insights, Inc. and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Description of the Types of Advisory Services We Offer Financial Insights offers the following advisory services to our clients: Financial Planning and Retirement Planning Services: We offer advice in the form of comprehensive financial and retirement planning. Clients engaging us to provide this service will receive a written report, presenting the client with a detailed financial plan designed to assist clients to achieve their stated financial goals and objectives. In general, the financial and/or retirement plan will address any or all of the following areas of concern: ● Business: Assist business owner with exit planning, tax strategies and cash flow analysis. ● Charitable Gifting: Assist client with yearly gifting strategy. ● Death and Disability: Review of cash needs at death, income needs of surviving dependents, estate planning and disability income analysis. ● Divorce: Identify short-term and long-term effects of dividing property; analyzing pension and retirement plan issues; evaluating insurance needs and identifying tax issues. ● Education: Review of education IRAs, financial aid, 529 plans, grants and general assistance in preparing to meet dependent’s continuing educational needs through development of an education plan. ● Estate: Assistance in assessing and developing long-term strategies, including as appropriate, living trusts, wills, tax strategies, powers of attorney, asset protection plans, nursing homes, assisted living environments, elder law, while working closely with the estate planning attorney. ● Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long- term care, home and auto. ● Investments: Analysis of investment holdings including employer plans, stock options, and personal investment accounts in relation to stated goals. Client will be given risk areas showing broad recommendations on asset allocation driven by assessed risk tolerance, liquidity needs and timeline. We will not provide buy/sell instructions for assets not managed in house. ● Personal: Review of current and future financial/life goals, family records, cash flow, and net worth. ● Retirement: Analysis of current strategies and investment plans to help the client determine whether they are likely to achieve his or her retirement goals. ● Tax Analysis: Review of income tax to include planning for current and future years. Financial Insights will illustrate the impact of various investments on a client's current income tax and future tax liability as we work closely with the client’s tax advisor. We gather necessary information through in-depth personal interviews. Information gathered includes a client's current financial status, tax status, future goals, liquidity needs, return objectives and attitudes towards risk. Related documents supplied by the client are carefully reviewed, including a questionnaire completed by the client, followed by preparation of a written plan. Should a client choose to implement the recommendations contained in the plan, Financial Insights suggests that the client work closely with his/her attorney, accountant, and insurance agent. Implementation of financial planning recommendations is entirely at the client's discretion. Financial planning recommendations are not limited to any specific product or service offered by a broker- dealer or insurance company and our clients are not bound to follow our suggestions. Wealth Management Services: We provide Wealth Management Services to clients based on the individual needs of each client. Through personal discussions in which the client’s goals and objectives are established based on the client’s particular circumstances, Financial Insights assesses a client’s risk tolerance to guide the development and management of the client’s portfolio. Financial Insights will manage accounts on a discretionary or non- discretionary basis. Account supervision is guided by the stated objectives of the client, which are the following strategies: Very Conservative, Moderately Conservative, Conservative, Moderate, Moderately Aggressive, Aggressive, and Very Aggressive. Depending on the investment objectives of the client and the terms of the engagement, Financial Insights will create a portfolio. The types of securities used to create the client’s portfolio will generally consist of one or more of the following: individual equities, bonds, CD’s, no-load or load-waived mutual funds or exchange-traded funds (ETFs)

and other investment products. Financial Insights will allocate the client’s assets among various investments, taking into consideration the overall management style selected by the client. Mutual funds, individual equities, municipal, and taxable bonds, and ETFs are selected on the basis of any or all of the following criteria: the fund's performance history; the industry sector in which the fund invests; the track record of the fund’s manager; the fund’s investment objectives; the fund’s management style and philosophy; the fund’s management fee structure and/or tax efficiency. Portfolio weighting between funds and market sectors will be determined by each client’s individual needs and circumstances. Financial Insights may also provide advice with regard to certain investment products not maintained at our primary custodian (see Item 12 of this Brochure), such as assets held in employer sponsored retirement plans and qualified tuition plans (529’s), or other similar accounts (“Held Away Accounts”). In these situations, Financial Insights either (i) recommends the allocation of client assets within the various options available and clients decide whether to implement our recommendation; or (ii) we utilize an Order Management tool that allows us to rebalance and implement our strategies in the same way we do other accounts under our management. Financial Insights caters its advisory services in a manner consistent with the clients’ risk tolerance, timeline, and liquidity needs. Financial Insights consults with clients on an ongoing basis and requests that clients notify the firm if there are changes in their financial situation. Financial Insights may utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) to manage all or a portion of a client’s investment portfolio. In such instances, the client may be required to authorize and/or enter into an agreement with the Independent Managers that defines the terms in which the Independent Managers will provide investment management and related services. Financial Insights assists in the development of the initial policy recommendations and managing the ongoing client relationship. Financial Insights will perform initial and ongoing oversight and due diligence over the selected Independent Managers to ensure the Independent Managers’ strategies and target allocations remain aligned with its clients’ investment objectives and overall best interests. We also provide pension consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include an existing plan review, formulation of the investment policy statement, asset allocation advice, vendor selection advice, portfolio management services, investment performance monitoring/benchmarking services, ongoing consulting, communication, and participant education services/seminars. Educational Seminars / Workshops: We may provide seminars for groups seeking general advice on investments and other areas of personal finance. These seminars are purely educational in nature and do not involve the sale of any investment products. Information presented will not be based on any individual’s need, nor does Financial Insights provide individualized investment advice to attendees during these seminars and workshops. Tailoring of Advisory Services We offer individualized investment advice to clients utilizing our Wealth Management Services. Additionally, we offer general investment advice to clients utilizing our Financial and Retirement Planning Services. Our firm does not usually allow clients to impose restrictions on investing in certain securities or types of securities due to the level of difficulty this would entail in managing their account. Exceptions will be made on a case-by-case basis. Participation in Wrap Fee Programs We do not participate in or recommend Wrap Fee Programs to clients. ERISA Fiduciary Statement When we provide investment advice to you regarding whether to rollover 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. Under 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. Regulatory Assets Under Management As of December 31, 2022, we actively manage $621,063,446 in assets under management, all on a discretionary basis.