Beers Kight Financial Advisors, LLC (“BKFA”) is a limited liability company organized in 2011 in South Carolina. BKFA is owned by Beers Financial, LLC, and McGregor Financial Advisors, LLC (MFA”). Val H. Beers and Barry T. Kight are managing members of BKFA. Mr. Beers is also BKFA’s chief compliance officer. Through its investment adviser representatives, BKFA provides investment advisory services to clients. BKFA is a registered investment adviser resulting from the successions of Beers Financial and MFA. The purpose of this brochure and brochure supplements is to provide important information to clients and prospective clients about BKFA, its investment adviser representatives, and the investment advisory services that they provide. BKFA provides portfolio management services, pension consulting services, and personalized financial planning for wide range of entities including individuals, businesses, retirement plans, trusts, estates, and charitable organizations. Portfolio Management Services BKFA provides regular and continuous advice to clients regarding the investment of client funds based on the individual needs of each client. Through personal discussions in which goals and objectives based on a client’s particular circumstances are established, BKFA develops a client’s personal investment policy and creates and manages a securities portfolio based on that policy. During the data-gathering process, BKFA determines the client’s individual objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, BKFA reviews and discusses a client’s prior investment history, family composition, and family background. As part of its portfolio management service, BKFA recommendations stocks, bonds, mutual funds, and other securities in a client’s account. BKFA places orders for the execution of these transactions through one or more broker-dealers. BKFA performs these portfolio management services on a discretionary basis, meaning that BKFA has the authority to decide which securities to purchase and sell for the client. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors by providing such notice in writing to BKFA. Pension Consulting Services BKFA provides separately or in combination several advisory services regarding pension plans. The primary clients for services are pension, profit sharing, and 401(k) plans, but BKFA also provides these services to individuals, trusts, estates, and charitable organizations. These pension consulting services include four distinct services as follows: 1. Investment Policy Statement Preparation (“IPS”) – BKFA meets with the client to determine an appropriate investment strategy that reflects the plan sponsor’s stated investment objectives for management of the overall plan. BKFA then prepares 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 investments performance. 2. Selection of Investment Vehicles – BKFA assists plan sponsors in constructing appropriate asset allocation models. BKFA then reviews various mutual funds to determine which investments are appropriate to implement the client’s IPS. The number of investments to be recommended will be determined by the client, based on the IPS. 3. Monitoring of Investment Performance – BKFA continually monitors client investments based on the procedures and timing intervals delineated in the IPS. Although BKFA is not involved in any way in the purchase or sale of these investments, BKFA supervises the client’s portfolio and makes recommendations to the client as market factors and each client’s needs dictate. 4. Employee Communication – For clients with pension, profit sharing, and 401(k) plans and with individual plan participants who exercise control over assets in their own account, BKFA provides educational support and investment workshops designed for the plan participants. The nature of the topics to be covered will be determined by BKFA and the client under applicable ERISA guidelines. The educational support and investment workshops will not provide plan participants with individualized, tailored investment advice or individualized, tailored asset allocation recommendations. Financial Planning Services BKFA provides financial planning services in two primary ways. First, BKFA can provide a comprehensive evaluation of a client’s current and future financial situation resulting in a written financial plan. Second, BKFA can give advice to clients on securities or non- securities topics that may include tax and budgetary planning, estate planning, insurance, and business planning. Regarding the comprehensive evaluation, BKFA will provide to the client a written report which provides the client with a detailed financial plan designed to assist that client in achieving his or her financial goals and objectives. To prepare this financial plan, BKFA and each client may address the following areas: personal and familial matters, tax considerations, current and future cash flows, investment alternatives, insurance needs, retirement strategies, and estate planning considerations. To address these areas, BKFA gathers the following information, as necessary, through in-depth personal interviews and a questionnaire completed by the client: the client’s current financial status, tax status, goals, objectives regarding investments returns, and risk tolerance. BKFA carefully reviews documents supplied by the client and then prepares the personalized, written financial plan. If the client chooses to implement the recommendations in the plan, BKFA suggests that the client work closely with the appropriate financial, legal, and accounting professionals. Managing Client Assets As of December 31, 2023, BKFA managed on a discretionary basis, approximately $172,288,500 in client assets.