Journey Financial Group, Inc. (hereinafter referred to as "JFG") is a registered investment adviser based in Buffalo Grove, IL. JFG offers a variety of advisory services customized to your individual needs.
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 Journey Financial Group, Inc. ("Journey Financial Group" or "JFG") and the words "you," "your," and "client" refer to you as either a client or prospective client of our firm. Please note: As of May 21, 2024, some of the Investment Adviser Representatives of Journey Financial Group remain registered as a Registered Representative of Osaic Wealth, Inc. ("Osaic Wealth") in order to assist with any operational matters as client accounts are being transferred to Schwab. Upon completion, we will terminate from Osaic Wealth. No new broker-dealer business will be conducted during this transition period. A. JFG was established in February 1997. JFG is wholly owned by McLain Tallungan, President.
B. JFG offers the following advisory services. Each of the services is more fully described below.

•Portfolio Management Services
•Asset Allocation and Monitoring Services
•Financial Planning and Consultative Services
•Third Party Advisory Services
•Retirement Plan Consulting Services Portfolio Management Services Journey Financial Group offers discretionary portfolio management services. Our investment advice is tailored to meet our clients' needs and investment objectives. If you participate in our discretionary portfolio management services, we require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow us 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 investment advisory agreement you sign with our firm and the appropriate trading authorization forms. As part of our portfolio management services, in addition to other types of investments (see disclosures below in this section), we may invest your assets according to one or more model portfolios developed by our firm. These models are designed for investors with varying degrees of risk tolerance ranging from a more aggressive investment strategy to a more conservative investment approach. In providing account management services, you may limit our discretionary authority (for example, limiting the types of securities that can be purchased or sold for your account) by providing our firm with your restrictions and guidelines in writing.
Asset Allocation and Monitoring Services If you have accounts for which JFG is not able to offer its management services, you can obtain asset allocation advice from JFG. The frequency of the advice will be solely depending on your ability to provide JFG with current and accurate account information. Preferably, JFG should be given duplicate 4 statements or not less than quarterly statements. JFG will monitor your account on a periodic and not on continuous and ongoing, basis. Based on the information gathered from you, JFG will provide you with a written asset allocation recommendation. The recommendations offered by JFG will be limited to those securities available in your account.
This service option provides you a portfolio reporting service comprised of a written report providing information on your entire investment portfolio. This will include your bank accounts, annuities, bonds, mutual funds, stocks, options, limited partnerships, investment coins, collectibles, real estate holdings (not including personal residence), and qualified plan assets. The report will provide a comprehensive listing of your investments and provide cost basis, current market value, distributions received, return on investment, internal rate of return, and allocation of portfolio among various categories. Implementation of the advice and execution of the transactions is solely your responsibility. JFG and its advisory representatives will not participate in the implementation of the advice. If you have a self-directed brokerage 401(k) account and you sign our discretionary management agreement and the appropriate trading authorization form, you may participate in our discretionary portfolio management services. JFG has designed various models for the program to assist in managing your account: Income, Total Return and Growth.
Financial Planning Services We offer financial planning services which typically involve providing a variety of advisory services to clients regarding the management of their financial resources based upon an analysis of their individual needs. These services can range from broad-based financial planning to consultative or single subject planning. If you retain our firm for financial planning services, we will meet with you to gather information about your financial circumstances and objectives. We use financial planning software to determine your current financial position and to define and quantify your long-term goals and objectives. Once we specify those long-term objectives (both financial and non-financial), we will develop shorter-term, targeted objectives. Once we review and analyze the information you provide to our firm and the data derived from our financial planning software, we will deliver a written plan to you, designed to help you achieve your

stated financial goals and objectives. Plans are based on your financial situation at the time and are based on financial information disclosed by you to JFG. You are advised that certain assumptions are made with respect to interest and inflation rates and use of past trends and performance of the market and economy. However, past performance is in no way an indication of future performance. JFG cannot offer any guarantees or promises that your financial goals and objectives will be met. Further, you must continue to review the plan and update the plan based upon changes in your financial situation, goals, or objectives or changes in the economy. Should your financial situation or investment goals or objectives change, you must notify JFG promptly of the changes. You are advised that the advice offered by JFG may be limited and is not meant to be comprehensive. Therefore, you may need to seek the services of other professionals such as an insurance adviser, attorney and/or accountant.
You are under no obligation to act on our financial planning recommendations. Should you choose to act on any of our recommendations, you are not obligated to implement the financial plan through any of our other investment advisory services. Moreover, you may act on our recommendations by placing securities transactions with any brokerage firm. Should you implement the plan with JFG's Advisory Representatives, insurance commissions and/or advisory fees will be received in addition to the financial planning fee paid to JFG.
5 Retirement Plan Consulting Services We offer retirement consulting services to employee benefit plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. The services are designed to assist the plan sponsor (the "Company") in meeting its management and fiduciary obligations to the plan under ERISA. Retirement consulting services will consist of general or specific advice, and may include any one or all of the following: 1. Platform Provider Search and Plan Set-up 2. Strategic Planning and Investment Policy Development/Review. 3. Plan Review. 4. Plan Fee and Cost Review. 5. Acting as Third-Party Service Provider Liaison. 6. Assessment of Plan Investments and Investment Options. 7. Plan Participant Education and Communication. 8. Investment Advice to Participants. 9. Plan Benchmarking 10.Plan Conversion to New Vendor Platform 11.Assistance in Plan Merger 12.Legislative and Regulatory Updates; Plan Corrections The Company may also engage us to provide a review of executive benefits, for separate compensation.
We will determine with the Company in advance the scope of services to be performed and the fees for all requested services. Prior to engaging us to provide pension consulting services, the Company will be required to enter into a written agreement with us setting forth the terms and conditions of the engagement, describing the scope of the services to be provided, and the relevant fees and fee paying arrangements. The services outlined above that we provide are explained in more detail in the written agreement. We will also provide additional disclosures about our services and fees, where required by ERISA.
When we perform our agreed upon services, we will not be required to verify the accuracy or consistency of any information received from the Company.
We will serve in a nondiscretionary ERISA fiduciary capacity with respect to some but not all of the services that we provide which will be further explained in the written agreement we sign with the Company. The Company is always free to seek independent advice about the appropriateness of any recommendations made by us.
General Information You are advised the investment recommendations and advice offered by JFG are not legal advice or accounting advice. You should coordinate and discuss the impact of financial advice with your attorney and/or accountant. You are advised that it is necessary to inform JFG promptly with respect to any changes in your financial situation and investment goals and objectives. Failure to notify JFG of any such changes could result in investment recommendations not meeting your needs.
C. JFG tailors the advisory services it offers to your individual needs. You may impose restrictions and/or limitations on the investing in certain securities or types of securities.
6 JFG may ask you to complete a fact finder or data gathering questionnaire to assist JFG with obtaining information about your financial situation and history. Additionally, JFG will meet with you and conduct an interview and data gathering session to continue the due diligence process. The information gathered by JFG will assist JFG to provide you with the requested services and customize the services to your financial situation. Depending on the services you have requested, JFG will gather various financial information and history from you including, but not limited to:
•Retirement and financial goals
•Investment objectives
•Investment horizon
•Financial needs
•Cash flow analysis
•Cost of living needs
•Education needs
•Savings tendencies
•Other applicable financial information required by JFG in order to provide the investment advisory services requested. D. JFG does not participate in a wrap fee program. E. As of January 10, 2024, we provide continuous management services for $234,304,840 in client assets on a discretionary basis, and $4,873,931 in client assets on a non-discretionary basis. We also manage $1,719,081 in client assets on a non-continuous basis.