Mench Financial, Inc. is a SEC-registered investment adviser with its principal place of business located in Ohio. Mench Financial, Inc. began conducting business in 1995. Listed below are the firm’s principal shareholders (i.e., those individuals and/or entities controlling 25% or more of this company).
• Thomas S. Mench, Chairman – C.I.O. Mench Financial, Inc. offers the following advisory services to our clients: INDIVIDUAL PORTFOLIO MANAGEMENT Our firm provides continuous asset management of client funds based on the individual needs of the client. Through personal discussions in which goals and objectives based on the client’s particular circumstances are established, we develop the client’s personal investment policy. We create and manage a portfolio based on that policy. During our data-gathering process, we determine the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we may also review and discuss a client’s prior investment history, as well as family composition and background. Because some types of investments involve certain additional degrees of risk, they will only be implemented when consistent with the client’s stated investment objectives, tolerance for risk, liquidity and suitability. MODEL PORTFOLIO MANAGEMENT Our firm provides continuous portfolio management services to clients using model asset allocation portfolios. Each model portfolio is designed to meet a particular investment goal. Capital Preservation & Income Sector Enhanced – Conservative to Moderate Allocation Portfolio Balanced Sector Enhanced – Moderate to Growth Allocation Portfolio Global Sector Enhanced – Growth to Aggressive Allocation Portfolio Ultra Sector Enhanced – Conservative to Aggressive Allocation Portfolio Through personal discussions with the client in which the client’s goals and objectives are established, we initially determined whether the model portfolio is suitable to the client’s circumstances. Once we confirm suitability, the portfolio is managed based on the portfolio’s goal, rather than on each client’s individual needs. Clients, nevertheless, have the opportunity

to place reasonable restrictions on the types of investments to be held in their account. Clients retain individual ownership of all securities. We manage these advisory accounts on a discretionary basis. Account supervision is guided by the client’s stated objectives (i.e., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Once the client’s portfolio has been established, we review the portfolio monthly and if necessary, rebalance the portfolio on an annual basis, based on the client’s individual needs. Our investment recommendations are not limited to any specific product or service offered by a broker dealer or insurance company and will generally include advice regarding the following securities.
• Exchange-listed securities
• Securities traded over-the counter
• Corporate debt securities (other than commercial paper)
• United States governmental securities Because some types of investments involve certain additional degrees of risk, they will only be implemented/recommended when consistent with the client’s stated investment objectives, tolerance for risk, liquidity and suitability. To ensure that our initial determination of an appropriate portfolio remains suitable and that the account continues to be managed in a manner consistent with the client’s financial circumstances, we will: 1. Send quarterly written reminders to each Model Portfolio Management Services client requesting any updated information regarding changes in the client’s financial situation and investment objectives; 2. at least annually, contact each participating client to determine whether there have been any changes in the client’s financial situation or investment objectives, and whether the client wishes to impose investment restrictions or modify existing restrictions; 3. be reasonable available to consult with the client; and 4. Maintain client suitability information in each client’s file. AMOUNT OF MANAGED ASSETS As of 12/31/2023, we were actively managing $126,716,680 of clients’ assets on a discretionary basis and have $7,500,000 of asset under advisement.