SAF provides financial planning, consulting, and investment management services. Prior to engaging SAF to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with SAF setting forth the terms and conditions under which SAF renders its services (collectively the “Agreement”). SAF has been in business as an SEC registered investment adviser since August 2, 2007. Steve W. Anglin, Weston A. Pollock, Chris B. Lott, and Rex S. Moxley are the principal owners of SAF. SAF has $1,571,428,888 of assets under management as of December 31, 2023. $1,501,134,233 of these assets are managed on a discretionary basis and $70,294,655 are managed on a non-discretionary basis. This Disclosure Brochure describes the business of SAF. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of SAF’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), or employees, or any other person who provides investment advice on SAF’s behalf and is subject to SAF’s supervision or control. Financial Planning and Consulting Services SAF provides its clients with a broad range of comprehensive financial planning and consulting services (which includes tax-related and other non-investment related matters). These services include retirement, education, insurance, estate, and tax planning. In performing its services, SAF is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. SAF recommends the services of itself, its Supervised Persons in their individual capacities as registered representatives of a broker-dealer, and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if SAF recommends its own services. The client is under no obligation to act upon any of the recommendations made by SAF under a financial planning or consulting engagement or to engage the services of any such recommended professional, including SAF itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of SAF’s recommendations. Clients are advised that it remains their responsibility to promptly notify SAF if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising SAF’s previous recommendations and/or services. Investment Management Services Clients can engage SAF to manage all or a portion of their assets on a discretionary or non-discretionary basis. SAF primarily allocates clients’ investment management assets among mutual funds and exchange traded funds (“ETFs”), as well as a limited amount of individual debt and equity securities in accordance with the investment objectives of the client. For certain eligible

clients, SAF also recommends privately placed securities (including debt, equity and/or interests in pooled investment vehicles). SAF also provides advice about any type of legacy position or other investment held in clients' portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. SAF also renders non-discretionary investment management services to certain clients relative to variable life/annuity products that they own, their individual employer- sponsored retirement plans, or other products that are not be held by the client’s primary custodian. In so doing, SAF either directs or recommends the allocation of client assets among the various investment options that are available with the product. Client assets are maintained at the specific insurance company or custodian designated by the product. SAF tailors its advisory services to the individual needs of clients. SAF consults with clients initially and on an ongoing basis to determine risk tolerance, time horizon and other factors that may impact the clients’ investment needs. SAF ensures that clients’ investments are suitable for their investment needs, goals, objectives, and risk tolerance. Clients are advised to promptly notify SAF if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon SAF’s management services. Clients may impose reasonable restrictions or mandates on the management of their account (e.g., require that a portion of their assets be invested in socially responsible funds) if, in SAF’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. Educational Seminars SAF and/or its Supervised Persons, in their individual capacities, conduct educational seminars (the “Seminars”) on a broad range of investment-related topics, such as retirement, education, insurance, estate, and tax planning. In conducting the Seminars, SAF and/or its Supervised Persons present general information that is not tailored to any individual’s investment needs, goals, objectives and risk tolerance and does not constitute specific recommendations of SAF. During the Seminars, SAF and/or its Supervised Persons may recommend the services of SAF, its Supervised Persons in their individual capacities as registered representatives of a broker-dealer, and/or other professionals to implement certain investment strategies discussed therein. A conflict of interest exists to the extent SAF and/or its Supervised Persons recommend the services of SAF and/or its Supervised Persons. Attendees are under no obligation to act upon any of the general information presented by SAF in the Seminars or to engage the services of any such recommended professional, including SAF and/or the Supervised Persons themselves.