Firm Description Access Financial Resources, Inc. (“AFR”) is a registered investment adviser based in Oklahoma City, Oklahoma. We are organized as a corporation under the laws of the State of Oklahoma. The firm was founded in 1991. AFR is owned by the Troy E. Jones Revocable Trust, Woody Family Trust, Jeffrey A. Ashford Living Trust, and Atkinson Family Trust. The following paragraphs describe our services and fees. Refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we," "our," and "us" refer to AFR and the words "you," "your," and "client" refer to you as either a client or prospective client of our firm. AFR provides personalized confidential financial planning and asset management services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Advice is provided through consultation with the client and an AFR investment adviser representative and may include, but is not limited to: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, asset management, education funding, retirement planning, and estate planning. AFR is mainly structured as a “fee-based” asset management and financial planning firm. To that end, AFR is in the business of providing objective advice regarding annuities, insurance, stocks, bonds, mutual funds, limited partnerships, insurance, or other asset vehicles for a fee, which is paid by the client to AFR. However, some clients are not interested in paying a fee to review and recommend annuity and/or other insurance products, etc. As a result, some of AFR’s investment adviser representatives are also licensed to sell certain insurance products through various insurance companies. As a result, a “fee-based” investment adviser representative may also be paid a commission from a non-client third- party in the event the client decides to purchase the recommended insurance product. This commission could be in addition to any fee paid by the client to AFR. AFR also allows an investment adviser representative to be “fee-only.” In that case, the “fee-only financial adviser representative” receives no commission, directly or indirectly, from the sale of any insurance product or security, and neither does AFR. Moreover, AFR does not directly or indirectly compensate any third party for client referrals. Investment advice and management is an integral part of financial planning. Investment advice is provided in two ways: Non-Discretionary Authority Under this option, the investment adviser representative makes recommendations based upon the needs of the client under an investment policy statement or client suitability form. If such recommendations are accepted by the client, the investment adviser representative will then buy or sell the security in the account as directed by the client. The client is always at liberty to follow or disregard, wholly or partially, any information, recommendation, or advice given by the investment adviser representative under this option. Discretionary Authority Under this option, the investment adviser representative will direct which securities to buy or sell in the account, subject to limitations a client may impose by notice in writing. This option allows the investment adviser representative, without prior consultation with the client, to buy or sell any security in the account, in the adviser’s sole discretion. Regardless of either option elected by the client, AFR does not act as a custodian of client assets, and the client always maintains asset control. AFR places trades for clients under a limited power of attorney. As a general rule, a written evaluation of each client's initial situation is provided to the client, often in the form of a net worth statement or an asset allocation sheet. Periodic reviews of client accounts are conducted no less frequently than annually and are also communicated to provide reminders of the specific courses

of action that need to be taken. More frequent reviews occur, but are not necessarily communicated to the client, unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed to the client in the event they should occur. The initial meeting, which may be by telephone, is at no charge and is considered an exploratory interview to determine the extent to which financial planning and asset management may be beneficial to the client. Types of Advisory Services AFR provides financial planning and asset management services. Regarding such services, AFR may furnish advice to clients on matters such as financial problems, cash flow management, tax planning, insurance review, education funding, retirement planning, and estate planning. Financial Planning A financial plan is designed to help the client with all aspects of financial planning without ongoing asset management. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Because financial planning is a discovery process, situations occur wherein the client is unaware of certain financial exposures or predicaments. To that end, specific recommendations are provided as part of a financial plan. However, implementation of the recommendations is always at the discretion of the client. AFR and its investment adviser representatives do not have any discretionary investment authority when offering financial planning. After delivery of a financial plan, future meetings/conversations may be scheduled as necessary for up to one month; otherwise, the investment adviser representative will take no further actions on your behalf or notify you of changes in the law, etc., unless you contact the investment adviser representative in the future and request the investment adviser representative to do so. Investment Advisory Services Most clients choose to have AFR manage their assets on an ongoing basis. All aspects of the client’s financial affairs are usually considered and reviewed. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, investment suggestions are made and implemented on an ongoing basis. The scope of work and fees for advisory services is provided to the client in writing prior to the start of the relationship. Assets are held primarily in no-load or low-load mutual funds and exchange-traded funds, usually through discount brokers or fund companies. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U. S. government securities, notes and mortgages, real estate, direct investments, options contracts, futures contracts, and interests in partnerships. However, initial public offerings (IPOs) are not available through AFR. Tailored Relationships Each of the advisory services AFR offers is tailored to and designed to meet a client’s individual investment goals and objectives, financial needs and tolerance of risk. They are drawn from research and analysis we believe to be reliable and appropriate to a client’s financial circumstances. Clients may impose restrictions on investing in certain securities or types of securities. Assets Under Management As of December 31, 2023, AFR manages approximately $307,984,853 in assets. Approximately $283,481,953 is managed on a discretionary basis and $24,502,900 is managed on a non- discretionary basis.