5 LarsonFinancial.com Larson Financial Group, LLC (“LFG,” “we” or “us”) is a wholly-owned subsidiary of Larson Financial Holdings, LLC (“LFH”). LFG has been a SEC-registered investment advisor since 2006 and is headquartered in Saint Louis, Missouri. We provide financial planning and other investment advisory services to individual clients, organizations, trusts, and various for-profit and non-profit entities with a focus toward doctors and related businesses through investment advisors, some of which are employees and some of which are independent contractors. This Firm Brochure (“Brochure”) discloses information about us and it is being provided pursuant to Securities and Exchange Commission (“SEC”) rules. We offer the following financial planning and advisory services to clients. INVESTMENT ADVISORY SERVICES AND MODEL PORTFOLIO MANAGEMENT We provide financial planning services independently or in combination with investment management. Continuous advice is provided to clients regarding the investment of funds based on the client’s individual needs. Through our Investment Advisor Representatives' (“IAR”) personal discussions with clients and prospects, the IAR considers the client’s individual objectives, time horizons, risk tolerance, liquidity needs, and overall portfolio, among other characteristics to help them establish specific goals and objectives. The client's prior investment history, family composition and background are also taken into consideration. . During the data-gathering process, From here a , a portfolio strategy is chosen for implementation and management. Advisory accounts are managed on a discretionary or non-discretionary basis. Account supervision is guided by the client's stated objectives (e.g.: capital appreciation, growth, income, or growth and income), as well as tax considerations. Once the IAR recommends a portfolio, and the client agrees, the portfolio is managed based on the stated goals (e.g.: retirement, education, etc.). Securities may be held in the name of the custodian with individual ownership of all securities retained by the client. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors, but should understand that by restricting investments on which we provide advice, the client’s portfolio may not contain the same investments or risk characteristics. 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  Certificates of deposit  Municipal securities  Pooled investment vehicles, private equity funds  Variable and term life insurance  Variable annuities  Mutual fund shares and exchange-traded funds (“ETFs”)  Interests in businesses and partnerships 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. We provide portfolio management services to clients using model asset allocation portfolios. Each portfolio is designed to meet a particular investment goal as outlined below. Your IAR may also recommend a certain “Equity Sleeve” or portfolio tilt based on your wants and circumstances. In addition, IARs may also recommend one of our more active strategies such as our Dividend Growth Stock Program, the Core and Explore Program, the Wealth Acorn Program, Core Capital Program, the Advance and Protect Stock Program, the Custom Program, Strategic 60, Strategic 80, Strategic 100 and Tactical Strategies (Diversified Bond, Diversified Equity, High Yield, Muni Bond Fund, Global Equity Blend, Global Style Box, Section Rotation, Alterra All Cap, Advisor Select, Disruptors and Tactical 25). We provide asset management services under both Wrap Fee Programs and Non-Wrap Fee Programs. 6 LarsonFinancial.com MODEL ASSET ALLOCATION PROGRAM Larson Model Name Equity/Debt Ratio Primary Objective of Model Risk Averse I 20/80 Capital preservation Risk Averse II 30/70 Capital preservation with modest amount of income Conservative I 40/60 Income with a modest amount of growth Conservative II 50/50 Income with increased amount of growth Moderate I 60/40 Growth and income Moderate II 70/30 Increased growth with a modest amount of income Aggressive I 80/20 Growth Aggressive II 90/10 Increased growth Highly Aggressive 100/0 Maximum growth Equity Sleeve Core Equity Small Cap Value Growth Income Primary Objective of Sleeve Maximize growth with a purely passive portfolio; no factor tilts Maximize Growth over the long-term utilizing small and value factor tilts Maximize Growth utilizing an overweighting to high growth stocks Maximize Income at all levels of risk The Model Asset Allocation Program and Custom Program may be non-wrap accounts (described herein) or wrap accounts depending on the type of account managed. The Dividend Growth Stock Program, Core and Explore Program, the Wealth Acorn Program, Core Capital Program, and Advance, Protect Stock Program Strategic 60, Strategic 80, Strategic 100 and Tactical Strategies (Diversified Bond, Diversified Equity, High Yield, Muni Bond Fund, Global Equity Blend, Global Style Box, Section Rotation, Alterra All Cap, Advisor Select, Disruptors and Tactical 25) are wrap accounts. In the Wrap Fee Programs, we manage client accounts for a single fee that includes asset management services and custodial and transaction/commission costs. If you participate in our Wrap Fee Programs, we will provide you with a separate Wrap Fee Program Brochure explaining the Programs and the fees we receive for our wrap account services. If your non-wrap account is held with Fidelity or Charles Schwab, you may also incur transaction charges and/or brokerage fees when purchasing or selling securities. In the non-wrap Model Asset Allocation Program, assets are held in variable annuities, variable life insurance, in Fidelity or Charles Schwab custodial accounts or in accounts held directly at a mutual fund. The Program may be utilized with variable annuity benefits coordination, which is designed for management of certain variable annuities with guaranteed living or death benefit riders, which impose restrictions on the investment of the annuities' sub-accounts. In the non-wrap Model Asset Allocation Program, we invest your assets in mutual funds and/or exchange traded funds (ETFs), or variable sub-accounts in the case of variable annuities and variable life insurance. In the Wrap Model Asset Allocation Program, we may invest your assets in both mutual funds and exchange traded funds. In the Dividend Growth Stock Program, we may invest your assets in individual stocks, ETFs, mutual funds and/or cash. In the Core Fund, the Core and Explore and Advance and Protect Stock Program your accounts may be invested in mutual funds and exchange traded funds, structured products, and individual stocks and bonds. For Non-Wrap Custom Accounts which will be held at Fidelity or Charles Schwab, we may invest your assets in mutual funds, exchange traded funds, structured products, options and individual stocks and bonds or any other type of investment we may deem suitable for you. As part of our asset management services, we may recommend one or more third party investment adviser(s) to manage all or a portion of your account on a discretionary basis. The third-party investment adviser(s) may use one or more of their model portfolios to manage your account. We will regularly monitor the performance of your accounts managed by third party investment advisers(s) and make recommendations to you as necessary. We may share in the fee charged by the third- party adviser(s) or in the alternative include the value of the assets managed by the third-party adviser(s) when determining our advisory fee. 7 LarsonFinancial.com In the Custom Program your portfolio will be custom designed based on your individual goals and objectives and we will monitor your portfolio's performance on an ongoing basis and will rebalance the portfolio as required by changes in market conditions and in your financial circumstances. We require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow our firm to determine the specific securities, and the amount of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the asset management agreement you sign with our firm. For the Custom Program, you may limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. Such restrictions/guidelines may affect the composition and performance of your portfolio and/or our ability to meet your investment objectives. Tactical Strategies Programs Dynamic Objective: This strategy aims to provide long-term excess returns over a risk-adjusted benchmark through dynamic management. Methodology: Up to 8 mutual fund and ETF holdings are used to represent a diversified blend of assets including U.S. Equity, International Equity, International Bond, Domestic Bond, and Commodities. Management Style: Tactical Account Minimum: $100,000 Separately Managed Account Strategies Objective: These strategies are designed to give clients exposure to different types of equities with customizable objectives such as dividend paying or growth orientation. Methodology: The strategies are systematic in nature, utilizing various factor exposures. Management Style: Strategic Account Minimum: $100,000 Synthetic Structures Notes Objective: This strategy is designed to help protect principle, enhance returns, and create tailored risk/reward profiles for investors as either a core or complimentary exposure in portfolios. Methodology: Holdings mix of index or individual equity options, high yield bonds, and treasury bonds. Management Style: Strategic Account Minimum: $100,000 Tactical Management The Tactical strategies offered by LFG are each designed around a specific blend of assets for a participation in a particular segment of the investable market. We often use fundamental analysis to determine which securities should be utilized in the formation of the portfolio. Fundamental analysis involves analyzing individual companies and their industry groups, including a company's financial statements, details regarding the company's product line, the experience and expertise of the company's management, and the outlook for the company's industry. The resulting data is used to measure the true value of the company's stock compared to the current market value. The specific amount of investment exposure to these assets will then be dependent on a number of factors. Technical analysis, which involves studying past price patterns and trends in the financial markets to forecast the direction of both the overall market and specific asset, is predominately used in determining how much, if any, investment exposure should be given to each asset. Additional elements such as corporate actions, change in investment leadership, geopolitical actions, and other newsworthy events deemed impactful to a strategy will be considered as a reason to exit or avoid deploying capital into specific assets. At times, identifiable trends in the overall market and or specific assets may cause large percentages of cash to build within a strategy. This is expected and by design 8 LarsonFinancial.com so that this capital can then be redeployed into the strategy when more favorable trends are identified. We make no claim that securities will be purchase at a lower or more favorable price at a later date than when the same asset was last sold. We may utilize commercially available software and databases to obtain

additional information on securities that may be selected for the Portfolios. For some of the Programs/Portfolios, we rely on third-party services for research and for recommendations regarding asset allocation models or buy and sell indicators. We may use short-term trading (in general, selling securities within 30 days of purchasing the same securities) as an investment strategy when managing an Account(s). Short-term trading is not a fundamental part of our overall investment strategy, but we may use this strategy occasionally when we determine that it is suitable given your stated investment objectives and tolerance for risk. We may use investment strategies that involve buying and selling securities frequently in an effort to capture significant market gains and avoid significant losses during a volatile market. However, frequent trading can negatively affect investment performance, particularly through increased brokerage and other transactional costs and taxes. Strategic Management For accounts utilizing Strategic Management we begin with a Modern Portfolio Theory ("MPT") approach. MPT is a theory of investing which attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, by carefully choosing the proportions of various assets. MPT is a mathematical formulation of the concept of diversification in investing, with the aim of selecting a collection of investment assets that has collectively lower risk than any individual asset. The risk, return, and correlation measures used by MPT are mathematical statements about the future. Very often such expected values fail to take account of new circumstances which did not exist when the historical data were generated. Each strategy is constructed with a view to achieving certain objectives and risk profiles, and we will manage the Account'(s) assets to reflect the Portfolio which you select. The available Portfolios fall within one of the following three profiles:
• Growth & Income: Portfolios with a Growth & Income profile seek to achieve long-term growth of capital, with moderate current income. You should have a tolerance for moderate fluctuations in the value of the Account and be willing to accept the volatility associated with an equity portfolio. We recommend a time horizon of five years or longer.
• Growth: Portfolios with a Growth profile seek to achieve long-term growth of capital and generally without regard for current income. You should have a tolerance for moderately large fluctuations in the value of the Account and be willing to accept the volatility associated with an equity portfolio. We recommend a time horizon of five years or longer.
• Aggressive: Portfolios with an Aggressive profile seek to achieve maximum long-term growth of capital without regard for current income. You should have a tolerance for large fluctuations in the value of the Account and be willing to accept the volatility of a 100% equity portfolio. We recommend a time horizon of more than five years to maximize the opportunity for growth. Short-term Gains and Losses for Tax Purposes You should note that if we effect short term transactions in your Account, these transactions might result in short term gains or losses for federal and state tax purposes. You should review the treatment of such tax consequences with your accountant or tax counsel. Periodic Reviews To ensure that a portfolio remains suitable for a particular client and that the account continues to be managed in a manner consistent with the client's known financial circumstances when utilizing LFG’s models, the IAR will  Send periodic reminders to the client requesting any updated information regarding changes in the client's financial situation and investment objectives  At least annually, contact the 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  Be reasonably available to consult with the client 9 LarsonFinancial.com  Maintain client suitability information in each client's file SELECTION OF OTHER ADVISERS We may recommend that you use the services of a third-party money manager ("TPMM") to manage all, or a portion of, your investment portfolio. After gathering information about your financial situation and objectives, we may recommend that you engage a specific TPMM or investment program. Factors that we take into consideration when making our recommendation(s) include, but are not limited to, the following: the TPMM's performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. We will monitor the TPMM(s)' performance to ensure its management and investment style remains aligned with your investment goals and objectives. The TPMM(s) will actively manage your portfolio and will assume discretionary investment authority over your account. We will assume discretionary authority to hire and fire TPMM(s) and/or reallocate your assets to other TPMM(s) where we deem such action appropriate. IRA ROLLOVER CONSIDERATIONS We may recommend that a client withdraw assets from an employer-based retirement plan (i.e., 401k) and roll the assets over to an individual retirement account (IRA) to be managed by LFG. We will typically charge our standard portfolio management fee to manage the IRA. This presents a potential conflict of interest as LFG will charge a management fee that may be higher than expenses charged had the assets remained in the employer’s (or former employer’s) retirement plan. There may also be other advantages to keeping those assets with the employer’s (or former employer’s) retirement plan. Clients and prospective clients are encouraged to speak with their LFG advisor concerning the potential advantages and disadvantages of rolling over retirement plan assets into an IRA. DEFINED BENEFIT AND DEFINED CONTRIBUTION CONSULTING SERVICES The primary clients for the services described in this section are defined benefit and defined contribution plans; however, these services are offered, where appropriate, to individuals and trusts, estates, and charitable organizations. Defined Benefit and Defined Contribution Consulting Services are comprised of four distinct services. Clients may choose to use any or all of these services. INVESTMENT POLICY STATEMENT PREPARATION (“IPS”) An IAR will meet with the client, in person or over the telephone, to determine an appropriate investment strategy which reflects the plan sponsor’s stated investment objectives for management of the overall plan. If appropriate and at the discretion of the IAR, they will prepare a written IPS detailing those needs and goals, including an encompassing policy under which these goals are to be achieved. The IPS also lists the criteria for selection of investment vehicles as well as the procedures and timing interval for monitoring of investment performance. SELECTION OF INVESTMENT VEHICLES An IAR may assist plan sponsors in constructing appropriate asset allocation models. The Investment Analysis team will then review various mutual funds (both index and managed) to determine which investments are appropriate to implement within the client’s IPS. Clients can choose to transfer most of the fiduciary burden onto the firm by signing a 3(38) Service Agreement, or the client can share the fiduciary burden with the firm by signing a 3(21) Service Agreement. Under a 3(38) arrangement, LFG will select and monitor all plan investments using the IPS as a guideline. Under a 3(21) arrangement, the client will share with LFG the responsibility for selecting and monitoring plan investments using the IPS as a guideline. MONITORING OF INVESTMENT PERFORMANCE LFG Investment Analysis team monitors client investments continually. Although we are not involved in any way in the purchase or sale of these investments, the IAR and the Investment Analysis team monitor the plans’ investment options and will make recommendations as market factors and plan needs dictate. 10 LarsonFinancial.com EMPLOYEE COMMUNICATIONS For defined benefit and defined contribution plan clients with individual plan participants exercising control over assets in their own account (“self-directed plans”), educational support and investment workshops designed for the plan participants may also be provided. The nature of the topics to be covered will be determined by the plan sponsor and IAR under the guidelines established in ERISA Section 404(c). The educational support and investment workshops will NOT provide plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. FINANCIAL PLANNING IARs provide financial planning services. Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, all questions, information and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. Clients utilizing this service receive a customized financial plan designed to help achieve their financial goals and objectives. In general, the financial plan can address any or all of the following areas:  GENERAL: The IAR may review family records, employment details, budgeting, personal liability, estate information and financial goals  TAX & CASH FLOW: The IAR may coordinate services with client’s tax adviser(s) and or analyze a client’s income tax and spending and planning for past, current and future years; then illustrate the impact of various investments on the client's current income tax and future tax liability  INVESTMENTS: The IAR may analyze investment alternatives and their effect on a client's portfolio  INSURANCE: The IAR may review existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile  RETIREMENT: The IAR may analyze current strategies and investment plans to help a client achieve his or her retirement goals  DEATH & DISABILITY: The IAR may review a client’s designated beneficiaries, cash needs at death, income needs of surviving dependents, estate planning, and disability insurance coverage  ESTATE: The IAR may coordinate services with clients' legal counsel regarding their existing estate plan and/or other long-term strategies, including trusts, wills, estate tax, powers of attorney, asset protection plans, and other long- term considerations. The services provided by the IAR may include setting and/or changing beneficiaries, transferring assets into and/or out of trusts, gathering data on estate assets, and other services as needed in support of the client’s estate plan. The IAR gathers required information through in-depth personal interviews. Information gathered includes the client's current financial status, employment, tax status, future goals, investment time horizon, returns objectives, and attitudes towards risk. Implementation of financial plan recommendations is entirely at the client's discretion. LFG and its IARs do not provide tax or legal advice or services. Should the client choose to implement the recommendations made, it is suggested the client work closely with their attorney and accountant. Typically, the financial plan is delivered to the client within six months of the financial planning agreement’s date, if all information needed to prepare the financial plan has been provided. The financial plan may be composed of a number of illustrations, calculations, communications and other documents that collectively compose the comprehensive plan. AMOUNT OF MANAGED ASSETS As of 12/31/2023, LFG managed $2,276,000,000 of clients’ assets on a discretionary basis and $468,800,000 on a non- discretionary basis.