Financial Services Group, Inc. (“FSG”) is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”). FSG has been offering advisory services since 1992. FSG offers investment supervision and financial planning services to their clients on a fee-only basis. FSG is owned by Michael Haubrich and Justus Morgan. FSG does not control any other firm. The advisory services consist of preparing financial plans and providing evaluation services to clients based on their current and anticipated financial situations, needs and investment objectives and goals. FSG also provides advisory consulting services to clients with regard to specific situations and problems. FSG offers advice on the following investments: equity securities including exchange listed securities, over the counter and foreign issuers, corporate debt securities, United States government securities, investment company securities including mutual fund shares, variable annuities and variable life insurance and partnership interests investing in real estate. Relationship & Foundations Program Services offered: Financial Planning Review(s) - At least annually, FSG will meet with clients to review clients’ existing goals and objectives, monitor progress towards achieving goals and discuss changes that may have occurred to clients' financial circumstances necessitating revisions to those goals and objectives. Additional meetings may be scheduled throughout the year to discuss career planning, charitable gift planning, education planning, estate planning, insurance planning, long term care planning, real estate planning, and/or retirement planning in the scope designated by the client. It is the clients’ responsibility to be certain that FSG has current and accurate information. Portfolio Management Services - At least annually, FSG will meet with clients to review investment account performance, current investment objectives, constraints and time horizons to determine if changes are necessary. FSG will monitor and review accounts on an ongoing basis during the year, place investment and sale orders when it deems it appropriate to do so, and provide clients with reports or arrange for clients’ account custodian to do so, at least quarterly. Tax Services - FSG will contact clients for year-end tax planning to discuss tax minimizing strategies. FSG may also prepare clients’ personal income tax return. Elder Life Planning Services offered: After the initial meeting to determine the scope of services, FSG will provide specific late-life/end-of-life preparation including long-term care planning, housing and care options/placement, end-of-life directives, beneficiary confirmations, and legacy gifting. The services are led by Michael Haubrich, a CERTIFIED FINANCIAL PLANNER™ professional and Certified Senior Advisor (CSA)™. Limited Relationship Services offered: Financial Planning Review - At least annually, FSG will meet with clients to review investment objectives, constraints and time horizons to determine if changes are necessary. FSG will also review the clients’ goals & objectives and discuss any changes that may have occurred necessitating revisions to those goals

and objectives. Additional meetings for other services will incur separate fees. Tax Services – At the clients’ discretion, FSG will prepare the clients’ personal income tax return for a separate fee. This service is typically available only to legacy clients. All planning is based on information provided by the clients. It is the clients’ responsibility to be certain FSG has current and accurate information to enable FSG to prepare the initial plan, and it is the clients’ responsibility to inform the Representative of material changes affecting the investments and planning strategies implemented so the Representative has them for future reference. Retirement Rollovers-No Obligation/Conflict of Interest: A client leaving an employer typically has four options (and may engage in a combination of these options): 1) leave the money in his former employer’s plan, if permitted, 2) roll over the assets to his/her new employer’s plan, if one is available and rollovers are permitted, 3) roll over to an Individual Retirement Account (IRA), or 4) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). FSG may recommend an investor roll over plan assets to an IRA managed by FSG. There are various factors that FSG may consider before recommending a rollover, including but not limited to: i) the investment options available in the plan versus the investment options available in an IRA, ii) fees and expenses in the plan versus the fees and expenses in an IRA, iii) the services and responsiveness of the plan’s investment professionals versus those of FSG, iv) required minimum distributions and age considerations, and vi) employer stock tax consequences, if any. No client is under any obligation to roll over plan assets to an IRA managed by FSG. Since FSG’s Relationship & Foundations fees are based on the client’s overall net worth and annual income, whether a client decides to transfer an account will not affect the fees paid to FSG. When we provide 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 interests 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. As of December 31, 2022, FSG manages approximately $295,621,428 in assets on a discretionary basis. No assets are non-discretionary.