PFG is an SEC-registered fee-based investment adviser with its principal place of business located in Eureka, California. We have been in business since 1990, with Wayne O. Caldwell, Director, John C. Gloor, Director and Charles R. Ross, Director as majority owners of the firm. Total Assets under our firm’s management were $672,388,931 as of January 1, 2024. Discretionary assets under our firm’s management were $564,888,649 as of January 1, 2024. Non-discretionary assets under our firm’s management were $107,500,282 as of January 1, 2024. Investment Advisory Services PFG is in the business of managing individually tailored investment portfolios designed to preserve capital while providing growth and/or income. Our firm provides continuous advice to a client regarding the investment of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on a client's particular circumstances are established, we assist our client in determining their investment allocation for each managed account within their portfolio based on their goals. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. We may also review and discuss a client’s prior investment history, as well as family composition and background. PFG provides financial planning services to all clients at no additional cost. Our investment recommendations include widely diversified, evidence-based, low-cost, institutional-class mutual funds and exchange traded funds (ETFs). Clients may include additional securities to the portfolio, as long as they are deemed prudent and in the best interests of the client. Account supervision is guided by the stated objectives of the client (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. We will manage client investment accounts on a discretionary or non-nondiscretionary basis. For discretionary accounts, we will implement transactions without seeking prior client consent. For non-discretionary accounts, we will seek prior client consent for every contemplated transaction. Therefore, clients with non-discretionary accounts should understand that any delay in obtaining consent may result in less favorable transaction terms, including higher security price. We also offer non-discretionary portfolio management services outside of client investment accounts. Pension Consulting Services We also provide several advisory services separately or in combination. While the primary clients for these services will be pension, profit sharing and 401(k) plans, we will also offer these services, where appropriate, to individuals and trusts, estates and charitable organizations. These services are typically provided in conjunction with Broadridge/Matrix, PCS/Aspire Financial Services, LLC, Newport Group/Ascensus, Inc. or in a wrap fee program with American Trust Retirement. Pension Consulting Services are comprised of four distinct services.

Investment Policy Statement Preparation (hereinafter referred to as ''IPS''): We will meet with the client (in person, via video conference, or over the telephone) to determine an appropriate investment strategy that reflects the plan sponsor's stated investment objectives for management of the overall plan. Our firm will then prepare or update a written IPS stating those needs and goals and encompassing a policy under which these goals are to be achieved. The IPS will also list the criteria for selection of investment vehicles and the procedures and timing interval for monitoring of investment performance. Selection of Investment Vehicles: We will assist plan sponsors in constructing asset allocation models and review various investments to determine which investments are appropriate to implement the client's IPS. We will review various investments, consisting of mutual funds and/or ETFs (both index and managed) to determine which of these investments are appropriate to implement the client's IPS. Monitoring of Investment Performance: We will monitor client investments regularly, based on the procedures and timing intervals delineated in the Investment Policy Statement. Although our firm will not be involved in the purchase or sale of these investments for participant directed accounts, we will supervise the client's portfolio and will make recommendations to the client as market factors and the client's needs dictate. Employee Communications: For pension, profit sharing and 401(k) plan clients with individual plan participants exercising control over assets in their own account (''self-directed plans''), we may also provide periodic educational support and investment workshops designed for the plan participants. The nature of the topics to be covered will be determined by us and the client under the guidelines established in ERISA Section 404(c). The educational support and investment workshops will NOT provide plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. Wrap Fee Program PFG participates in the American Retirement Trust (hereinafter, “ART”) “wrap fee” program for qualified retirement plans. As a program participant, PFG offers the above-described services to its plan clients, but all implementation of PFG recommendations is the responsibility of the client plan and ART. The overall investment approach used within a wrap fee program or outside is essentially the same. PFG receives a portion of the wrap fee for our services. Please refer to Item 5 of this Brochure for important “wrap fee” program disclosure. Seminars Occasionally, we provide free public seminars on investment and financial planning. Discussion includes the idea of financial planning as the basis for investment decisions, effects of taxes and inflation, time value of money, value of diversification, how various generic types of investment vehicles work and their place in a portfolio, and the benefits of living trusts. We do not make any specific investment recommendations and do not address the specific investment needs of any attendee.