Introduction: In this brochure, references to “we,” “us,” “our,” or “our firm” refer to TFO Wealth Partners. Individuals who serve as our directors, officers, employees, and investment adviser representatives are referred to as our “Supervised Persons,” “associated persons,” or “representatives.” Our firm’s clients and prospective clients are referred to as “you,” “your,” or “our clients.” We offer discretionary and nondiscretionary investment management services, family office services, retirement plan services, consulting services, digital investment management services, and third-party investment managers. Prior to engaging us to provide services, we will require you to enter a written agreement with us setting forth the terms and conditions under which we will provide our services. Our specific services, terms of our compensation, method of payment, and other important information are explained in more detail below. TFO Wealth Partners has been providing advisory services since 2003. Previous names of the entity have been TFO-TDC, LLC, TDC St. Louis, LLC, and Husch Family Office, LLC. TFO Wealth Partners is headquartered in Maumee, Ohio. TFO Wealth Partners is owned by TFO Partners, Inc. and the Chief Executive Officer of TFO Wealth Partners is Mr. Christopher Erblich. As of December 31, 2023, TFO Wealth Partners managed $3,906,784,008 on a discretionary basis and $25,712,218 on a non-discretionary basis for a total of $3,932,496,226 in regulatory assets under management. In addition, TFO Wealth Partners provided retirement plan consulting services to $721,759,128 of self-directed retirement accounts. In total, as of December 31, 2023, TFO Wealth Partners provided investment advice to $4,654,255,354 in client assets. Investment Management Services: TFO Wealth Partners manages investment portfolios for a wide variety of Clients, including individuals, high net worth individuals, family offices, qualified retirement plans, trusts, charitable organizations, small businesses, and corporations. TFO Wealth Partners will work with a Client to determine the Client's investment objectives and investor risk profile and will design a written investment policy statement. TFO Wealth Partners uses investment and portfolio allocation software to evaluate alternative portfolio designs. TFO Wealth Partners evaluates the Client's existing investments with respect to the Client's investment policy statement. TFO Wealth Partners works with new Clients to develop a plan to transition from the Client's existing portfolio to the desired portfolio. TFO Wealth Partners will then regularly monitor the Client's portfolio holdings and the overall asset allocation strategy and hold review meetings with the Client regarding the account as necessary. TFO Wealth Partners will typically create a portfolio which may be based on one or more model portfolios if the models match the Client's investment policy. TFO Wealth Partners will allocate the Client's assets among various investments taking into consideration the overall management style selected by the Client. TFO Wealth Partners primarily creates portfolios consisting of mutual funds, fixed income securities and exchange traded funds. TFO Wealth Partners primarily recommends mutual funds offered by Dimensional Fund Advisors (DFA) and Vanguard. DFA sponsored mutual funds follow a passive asset class investment philosophy with low operating expenses, low holdings turnover, and below- average capital gains distributions. DFA mutual funds generally are available for investment only by Clients of certain authorized registered investment advisers, and all investments are subject to the approval of the adviser. This means that you will generally not be able to make additional investments in DFA mutual funds if you terminate your agreement with TFO Wealth Partners, except through another adviser authorized by DFA. Client portfolios may also include some individual equity securities in situations where disposition of these securities would present an overriding tax implication or the Client specifically requests they be purchased and/or retained for a personal reason. These situations will be specifically identified in the Client's Investment Policy Statement (IPS) and may be designated as non- managed assets in certain cases. TFO Wealth Partners manages portfolios on a discretionary basis, and in limited cases, on a non- discretionary basis, according to the investment advisory agreement and investment policy statement selected by the Client. A Client may impose any reasonable restrictions on TFO Wealth Partners’ discretionary authority, including restrictions on the types of securities in which TFO Wealth Partners may invest Client's assets and on specific securities, which the Client may believe to be appropriate. In certain circumstances, including but not limited to, for fixed income portfolio management, TFO Wealth Partners will allocate a portion of a portfolio to an independent third-party investment adviser ("independent manager”) to manage a Client’s assets on a discretionary basis-based upon individual Client circumstances and objectives, including, but not limited to, Client account size, tax circumstances and type of investments. In other instances, TFO Wealth Partners and a client may enter into a tri-party agreement with one or more independent managers for the management of certain securities or strategies. TFO Wealth Partners will monitor the performance of the selected independent manager(s). If TFO Wealth Partners determines that a particular selected independent manager is not providing sufficient management services to the Client or is not managing the Client's portfolio in a manner consistent with the Client's personal investment guidelines or asset allocation, TFO Wealth Partners will remove the Client's assets from that selected independent manager and may place the Client's assets with another independent manager at TFO Wealth Partners’ discretion (for discretionary accounts). Clients may be required to execute documents to re-allocate assets amongst independent managers. For non- discretionary accounts, TFO Wealth Partners will make recommendations to the Client, as deemed appropriate. Clients that determine to engage TFO Wealth Partners on a non-discretionary investment advisory basis must be willing to accept that TFO Wealth Partners cannot affect any account transactions without obtaining prior consent to any such transaction(s) from the client. Thus, in the event that TFO Wealth Partners would like to make a transaction for a client’s account, and client is unavailable, TFO Wealth Partners will be unable to affect the account transaction (as it would for its discretionary clients) without first obtaining the client’s consent. On an ongoing basis, TFO Wealth Partners will answer Clients' inquiries regarding their accounts and review periodically with Clients the performance of their accounts. TFO Wealth Partners will periodically review Clients' investment policy, risk profile and discuss the re-balancing of each Client's accounts to the extent appropriate. TFO Wealth Partners will provide to independent managers any updated Client financial information or account restrictions necessary for the independent manager to provide advisory services. In addition to managing the Client's investment portfolio, TFO Wealth Partners may provide additional wealth management services to Clients based on their unique circumstances and needs. Such services may include consulting with Clients on various financial areas including income and estate tax planning, business sale structures, college financial planning, retirement planning, insurance and risk management analysis, personal cash flow analysis, establishment and design of retirement plans and trust designs, among other things. TFO Wealth Partners also has access to a suite of various digital powered financial planning technology solutions and provides these services to certain clients based on their circumstances and needs. For most clients, TFO Wealth Partners agrees to review the adequacy of current life insurance, long-term care and disability coverage, determine future needs, and develop an appropriate insurance strategy. From time to time, we may refer a client to an affiliate of TFO Wealth Partners for developing or implementing an insurance strategy. Please see Item 10 – Other Financial Industry Activities and Affiliations for more information regarding these referrals, including a discussion of conflicts of interest related to these referrals. Clients have no obligation to purchase an insurance product through a TFO Wealth Partners adviser or any affiliate of TFO Wealth Partners. Upon client request and in our sole discretion, TFO Wealth Partners may provide advice with respect to your retirement plan assets. If we determine to do so, we will make recommendations based on the investment options available as part of your retirement plan. You are responsible for making all transactions. We will not receive any communications from the plan sponsor or custodian, and it remains your obligation to notify us of any changes in investment choices or restrictions pertaining to your retirement account or plan. Unless expressly indicated by the TFO Wealth Partners to the contrary these clients’ 401(k) plan assets shall be included as assets under management for purposes of TFO Wealth Partners calculating its advisory fee. Family Office Services: In addition to investment management services described above, TFO Wealth Partners may also provide Family Office services to select Clients. These services may include some or all of the following: suggesting and maintaining an appropriate asset allocation, evaluation of overall financial situation and investment portfolio, private & alternative investment analysis, coordination among advisers designated by the Client (legal, estate, tax, accounting, insurance and banking), providing administrative support to assist Clients with their financial matters, coordination of cash management services, advice and reporting requested by the Client. Family Office services may not be offered to all TFO Wealth Partners Clients. Retirement Plan Services: TFO Wealth Partners also provides advisory services to retirement plans. TFO Wealth Partners’ services include, but may not be limited to, one or more of the following: analysis of the plan's current investment platform, assisting the plan in creating an investment policy statement defining the types of investments to be offered and the restrictions that may be imposed, recommending and periodically reviewing the plan's investment options, constructing model portfolios, discretionary investment management, coordinating with the plan's service providers to implement investment strategies, participant education and performance monitoring. In certain circumstances, TFO Wealth Partners provides discretionary services where it will select and replace the plan's investment options as necessary. The services are designed to assist plan sponsors in meeting their management and fiduciary obligations to Participants under the Employee Retirement Income Securities Act (“ERISA”). Pursuant to adopted regulations of the U.S. Department of Labor under ERISA Section 408(b)(2), we are required to provide the Plan's responsible plan fiduciary (the person who has the authority to engage us as an investment adviser to the Plan) with a written statement of the services we provide to the Plan, the compensation we receive for providing those services, and our status (which is described below). The services we provide to your Plan may include some or all of those described above and will be outlined in the service agreement with our firm. Our compensation for these services is described below, at Item 5, and in the service agreement. We may, with consent of the Plan, and in accordance with Plan documents, bill out of pocket expenses (such as overnight mailings, messenger, translation fees, etc.) at cost. We do not reasonably expect to receive any other compensation, direct or indirect, for the services we provide to the Plan or Participants. In providing services to the Plan and Participants, our status is that of an investment adviser registered under the Investment Advisers Act of 1940, and we are not subject to any disqualifications under Section 411 of ERISA. In performing ERISA fiduciary services, we represent that we are a fiduciary as defined in Section 3(21) of ERISA. We may also act as a discretionary "investment manager" of the Plan as defined in Section 3(38) under ERISA. Consulting Services: Clients can also receive investment advice on a more limited basis. This may include advice on an isolated area(s) of concern such as estate planning, retirement planning, reviewing a Client's existing portfolio, or any other specific topic. TFO Wealth Partners also provides specific consultation and administrative services regarding investment and financial concerns of the Client. Dependent on the type of consulting services provided, there will be a conflict of interest due to the potential for the recommendation of our Firm to provide additional services, such as investment advisory services or retirement plan services. Additionally, TFO Wealth Partners provides advice on non-securities matters. Generally, this is in connection with the rendering of estate planning, insurance, and/or annuity advice. TFO Wealth Partners does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, TFO Wealth Partners does not prepare legal documents, prepare tax returns, or sell insurance products. To the extent requested by a client, we may recommend the services of other professionals for non-investment implementation purpose (i.e., attorneys, accountants, insurance, etc.). The client is not under any obligation to engage any such professional(s). The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from TFO Wealth Partners and/or its representatives. If the client engages any professional (i.e., attorney, accountant, insurance agent, etc.), recommended or otherwise, and a dispute arises thereafter relative to such engagement, the engaged professional shall remain exclusively responsible for resolving any such dispute with the client. At all times, the engaged licensed professional[s] (i.e., attorney, accountant, insurance agent, etc.), and not TFO Wealth Partners, shall be responsible for the quality and competency of the services provided. TFO Now - Discretionary Digital Investment Advisory Platform: 1. Overview Clients and prospective clients may determine to engage TFO Wealth Partners to provide them with portfolio management services through TFO Now, an automated investment program. Clients are investing in a range of investment strategies that TFO Wealth Partners has constructed and continues to manage. Each of these portfolios may consist of mutual funds or ETFs and a cash allocation. The client may instruct TFO Wealth Partners to exclude up to three investment positions from their portfolio. The client’s portfolio is held in a brokerage account opened by the client at Charles Schwab & Co. (“CS&Co”). TFO Wealth Partners uses the Institutional Intelligent Portfolios® platform (“Platform”), offered by Schwab Performance Technologies (“SPT”), a software provider to independent investment advisors and an affiliate of CS&Co., to operate TFO Now. TFO Wealth Partners is independent of and not owned by, affiliated with, or sponsored or supervised by SPT, CS&Co., or their affiliates (together, “Schwab”). TFO Wealth Partners, and not Schwab, is the client’s investment adviser and primary point of contact with respect to TFO Now. As between TFO Wealth Partners and Schwab, TFO Wealth Partners is solely responsible, and Schwab is not responsible, for determining the appropriateness of TFO Now for the client, choosing a suitable investment strategy and portfolio for the client’s investment needs and goals, and managing that portfolio on an ongoing basis. TFO Wealth Partners has contracted with SPT to provide it with the Platform, which consists of technology and related trading and account management services for TFO Now. The Platform enables TFO Wealth Partners to make TFO Now available to clients online and includes a system that automates certain key parts of our investment process (the “System”). The System includes an online questionnaire that helps TFO Wealth Partners determine the client’s investment objectives and risk tolerance and select an appropriate investment strategy and portfolio. Generally new clients will submit data on the System regarding the Client’s risk preferences, investment objectives, and account size. Clients will also be assigned a team of representatives to their account. For existing client's transitioning to TFO Now, the personal representative team will review and confirm the client's investment objectives and risk tolerance during the transition process. It is the Client's responsibility to promptly update their account application through the web-based portal or by contacting the Client's personal representative team if there are ever any changes in the Client's financial situation or investment

objectives for the purpose of reallocating and/or re-balancing the Client's account. Clients should note that TFO Wealth Partners will recommend a portfolio via the System in response to the client’s answers to the online questionnaire. The client may then indicate an interest in a portfolio that is one level less or more, conservative, or aggressive, than the recommended portfolio and the client makes the final decision and selects their portfolio, subject to TFO Wealth Partners’ review and approval. In limited instances, TFO Wealth Partners may agree to allow a client to invest in a portfolio that is more conservative or aggressive by working with their personal representative team. In such cases, an additional Investment Policy Statement will be required. The System also includes an automated investment engine through which TFO Wealth Partners manages the client’s portfolio on an ongoing basis through automatic rebalancing and tax-loss harvesting (if the client is eligible and elects). TFO Wealth Partners reserves the right to override the automatic rebalancing and tax-loss harvesting features, in which case, TFO Wealth Partners will notify clients. TFO Wealth Partners will likely only override these features if market conditions become highly unusual. TFO Wealth Partners charges clients a fee for its services as described below under Item 5, Fees and Compensation. TFO Wealth Partners’ fees are not set or supervised by Schwab. Clients do not pay brokerage commissions or any other fees to CS&Co. as part of TFO Now. Schwab receives other revenues in connection with TFO Now, which are described below under Item 5, Fees and Compensation. Clients enrolled in TFO Now are limited in the universe of investment options available to them, in that TFO Wealth Partners currently only uses mutual funds and ETFs in TFO Now. In addition, TFO Now has been designed for clients with generally less than $750,000, although TFO Now is available to all of our clients who may benefit from this type of platform. Clients enrolled exclusively in TFO Now may receive less formal wealth management services than our other clients. However, where a client had a relationship with TFO Wealth Partners prior to offering TFO Now, the client will continue to receive the same level of service. TFO Wealth Partners’ fee may be higher (or lower) than those charged by other investment advisers offering similar services. 2. Rebalancing The System will rebalance a client’s account periodically by generating instructions to CS&Co to buy and sell shares of securities and depositing or withdrawing funds through the “Sweep Program”, considering the asset allocation for the client’s investment strategy. Rebalancing trade instructions can be generated by the System when (i) the percentage allocation of a security varies by a set parameter established by TFO Wealth Partners, (ii) TFO Wealth Partners decides to change the securities or their percentage allocations for an investment strategy or (iii) TFO Wealth Partners decides to change a client’s investment strategy, which could occur, for example, when a client makes changes to their investment profile or imposes or modifies restrictions on the management of their account. Accounts below $5,000 may deviate farther than the set parameters as well as the target allocation of the selected investment profile. Rebalancing below $5,000 may impact the ability to maintain positions in selected asset classes due to the inability to buy or sell in smaller quantities. For example, withdrawal requests may require entire asset classes to be liquidated to generate and disburse the requested cash. 3. Sweep Program Each investment strategy involves a cash allocation (“Cash Allocation”) that will be held in a sweep program at Charles Schwab Bank (the “Sweep Program”). The Cash Allocation will be a minimum of 4% of an account’s value to be held in cash, and may be higher, depending on the investment strategy chosen for a client. The Cash Allocation will be accomplished through enrollment in the Sweep Program, a program sponsored by CS&Co. By enrolling in TFO Now, clients consent to having the free credit balances in their brokerage accounts at CS&Co swept into deposit accounts (“Deposit Accounts”) at Charles Schwab Bank (“Schwab Bank”) through the Sweep Program. Schwab Bank is an FDIC-insured depository institution that is a Schwab affiliate. The Sweep Program is a required feature of TFO Now. If the Deposit Account balances exceed the Cash Allocation for a client’s investment strategy, the excess over the rebalancing parameter will be used to purchase securities as part of rebalancing. If clients request cash withdrawals from their accounts, this likely will require the sale of securities in their accounts to bring their Cash Allocation in line with the target allocation for their chosen investment strategy. If those clients have taxable accounts, those sales may generate capital gains (or losses) for tax purposes. In accordance with an agreement with CS&Co, Schwab Bank has agreed to pay an interest rate to depositors participating in the Sweep Program that will be determined by reference to an index. Miscellaneous Disclosures Regarding Our Services: 1. Limitations of Financial Planning and Non-Investment Consulting/Implementation Services. To the extent specifically requested, TFO Wealth Partners will generally provide planning and consulting services regarding non-investment related matters, such as tax, estate and insurance planning. We may agree to include these services in our fee referenced in Item 5 below or may discuss charging you an additional fee under a separate agreement depending on the nature of the engagement, amount of your assets under management, and the complexity of your planning needs. TFO Wealth Partners does not serve as an attorney, accountant, or insurance agency, and no portion of our services should be construed as legal, accounting or insurance advice requiring licensing. TFO Wealth Partners does not prepare legal documents, tax returns, or sell insurance products. To the extent requested by a client, we will recommend the services of other professionals for certain non-investment implementation purpose (i.e., attorneys, accountants, insurance agencies or agents). Some of these parties may be representatives or affiliates of TFO Wealth Partners in their separate individual capacities as licensed insurance agents, certified public accountants and attorneys. You should review Item 10 below for additional information. You are under no obligation to engage the services of any recommended professional. You retain absolute discretion over all implementation decisions and are free to accept or reject any recommendation from TFO Wealth Partners or its representatives. If you engage any recommended unaffiliated professional, and a dispute arises, the engaged professional shall remain exclusively responsible for resolving any such dispute with the client. The recommendation by a TFO Wealth Partners representative that a client purchase an insurance product, presents a conflict of interest, as the receipt of commissions provides an incentive to recommend investment products based on commissions to be received, rather than on a particular client’s need. No client is under any obligation to purchase any insurance products from a TFO Wealth Partners representative or engage any representative in any other professional capacity. Clients are reminded that they are free to purchase insurance products, accounting, legal or other services through other, non-affiliated parties. TFO Wealth Partners’ Chief Compliance Officer, Brady Fineske, remains available to address any questions that a client or prospective client may have regarding the above conflicts of interest. 2. Other Assets. A client may:
• hold securities that were purchased at the request of the client or acquired prior to the client’s engagement of TFO Wealth Partners. Generally, with potential exceptions, TFO Wealth Partners does not/would not recommend nor follow such securities, and absent mitigating tax consequences or client direction to the contrary, would prefer to liquidate such securities. Please Note: If/when liquidated, it should not be assumed that the replacement securities purchased by TFO Wealth will outperform the liquidated positions. To the contrary, different types of investments involve varying degrees of risk, and there can be no assurance that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by TFO Wealth) will be profitable or equal any specific performance level(s)In addition, there may be other securities and/or accounts owned by the client for which the Registrant does not maintain custodian access and/or trading authority; and,
• hold other securities and/or own accounts for which TFO Wealth does not maintain custodian access and/or trading authority. Corresponding Services/Fees: When agreed to by TFO Wealth, TFO Wealth shall: (1) remain available to discuss these securities/accounts on an ongoing basis at the request of the client; (2) monitor these securities/accounts on a regular basis, including, where applicable, rebalancing with client consent;(3) shall generally consider these securities as part of the client’s overall asset allocation; and, (4) report on such securities/accounts as part of regular reports that may be provided by TFO Wealth; and, (5) include the market value of all such securities for purposes of calculating advisory fee. 3. Third-Party Investment Managers. TFO Wealth Partners may use or recommend using unaffiliated third-party investment managers to manage all or a portion of a client’s account in accordance with the client’s designated investment objective(s). Most notably, we may rely on third-party investment managers to manage fixed income portfolios for client accounts and may use them to gain exposure to other investment strategies. The third-party manager is responsible for the discretionary management of the allocated assets. Factors that TFO Wealth Partners shall consider in recommending third-party investment manager[s] include the client’s designated investment objective(s), management style, performance, reputation, financial strength, reporting, pricing, and research. We will continue to supervise the third-party manager and provide ongoing monitoring and review of your account performance, asset allocation and investment objectives. The fee charged by the third-party manager is in addition to our advisory fee discussed in Item 5 below. 4. Margin Accounts. A Client who has a need to borrow money could determine to do so by using margin. Each Client must sign a separate margin agreement before margin is extended to that Client account. Fees for advice and execution on these securities are based on the total asset value of the account, which includes the value of any securities purchased on margin. The use of margin will also result in interest charges, assessed by and paid to the custodian, pursuant to the custodial agreement, in addition to all other fees and expenses associated with the security involved. The use of margin may allow for more favorable interest rates than standard commercial loans. These types of collateralized loans can assist with a pending home purchase, permit the retirement of more expensive debt, or enable borrowing in lieu of liquidating existing account positions and incurring capital gains taxes. However, such loans are not without potential material risk to the client’s investment assets. The lender (i.e., custodian, bank, etc.) will have recourse against the client’s investment assets in the event of loan default or if the assets fall below a certain level. For this reason, TFO Wealth Partners does not recommend such borrowing unless it is for specific short-term purposes (i.e., a bridge loan to purchase a new residence). TFO Wealth Partners does not recommend such borrowing for investment purposes (i.e., to invest borrowed funds in the market). Regardless, if the client was to determine to utilize margin or a pledged assets loan, the following economic benefits would inure to TFO Wealth Partners:
• by taking the loan rather than liquidating assets in the client’s account, TFO Wealth Partners continues to earn a fee on such Account assets; and,
• if the client invests any portion of the loan proceeds in an account to be managed by TFO Wealth Partners, TFO Wealth Partners will receive an advisory fee on the invested amount; and,
• if TFO Wealth Partners’ advisory fee is based upon the higher margined account value, TFO Wealth Partners will earn a correspondingly higher advisory fee. This could provide TFO Wealth Partners with a disincentive to encourage the client to discontinue the use of margin. Please Note: The Client must accept the above risks and potential corresponding consequences associated with the use of margin or a pledged assets loan. 5. Reporting Services. TFO Wealth Partners can also provide account reporting services, which can incorporate client investment assets that are not part of the assets that TFO Wealth Partners manages (the “Excluded Assets”). Unless agreed to otherwise, in writing, the client and/or his/her/its other advisors that maintain trading authority, and not TFO Wealth Partners, shall be exclusively responsible for the investment performance of the Excluded Assets. Unless also agreed to otherwise, TFO Wealth Partners does not provide investment management, monitoring, or implementation services for the Excluded Assets. If TFO Wealth Partners is asked to make a recommendation as to any Excluded Assets, the client is under absolutely no obligation to accept the recommendation, and TFO Wealth Partners shall not be responsible for any implementation error (timing, trading, etc.) relative to the Excluded Assets. The client can engage TFO Wealth Partners to provide investment management services for the Excluded Assets pursuant to the terms and conditions of the Investment Advisory Agreement between TFO Wealth Partners and the client.
• In the event that TFO Wealth provides the client with access to an unaffiliated vendor’s website such as emoney or ByAllAccounts, and the site provides access to information and/or concepts, including financial planning, the client, should not, in any manner whatsoever, infer that such access is a substitute for services provided by TFO Wealth. Rather, if the client utilizes any such content, the client does so separate and independent of TFO Wealth. 6. Cybersecurity Risk. The information technology systems and networks that TFO Wealth Partners and its third-party service providers use to provide services to TFO Wealth Partners’ clients employ various controls, which are designed to prevent cybersecurity incidents stemming from intentional or unintentional actions that could cause significant interruptions in TFO Wealth Partners’ operations and result in the unauthorized acquisition or use of clients’ confidential or non-public personal information. Clients and TFO Wealth Partners are nonetheless subject to the risk of cybersecurity incidents that could ultimately cause them to incur losses, including for example: financial losses, cost and reputational damage to respond to regulatory obligations, other costs associated with corrective measures, and loss from damage or interruption to systems. Although TFO Wealth Partners has established its systems to reduce the risk of cybersecurity incidents from coming to fruition, there is no guarantee that these efforts will always be successful, especially considering that TFO Wealth Partners does not directly control the cybersecurity measures and policies employed by third-party service providers. Clients could incur similar adverse consequences resulting from cybersecurity incidents that more directly affect issuers of securities in which those clients invest, broker-dealers, qualified custodians, governmental and other regulatory authorities, exchange and other financial market operators, or other financial institutions. 7. Client Obligations. In performing our services, we are not required verify any information received from you or your other professionals and is expressly authorized to rely on the information we receive. It remains your responsibility to promptly notify us if there is ever any change in your financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. 8. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by TFO Wealth Partners) will be profitable or equal any specific performance level(s). 9. Disclosure Statement. A copy of the TFO Wealth Partners’ written Privacy Notice, Disclosure Brochure as set forth on Part 2 of Form ADV and Form CRS (Client Relationship Summary) shall be provided to each client prior to, or contemporaneously with, the execution of the Investment Advisory Agreement or Financial Planning Agreement.