About One Degree Advisors, Inc. One Degree Advisors, Inc. is a corporation formed in 2001 in the State of California. The name was changed to One Degree Advisors, Inc. in 2014. Janice Thompson and Anthony Saffer are the principal owners of One Degree Advisors, Inc. The major decisions of a strategic and administrative nature for the firm are undertaken by the principal owners. Services Offered One Degree Advisors, Inc. is a financial advisory firm dedicated to providing personalized confidential financial planning and investment management to its clients. One Degree Advisors, Inc. provides financial planning and investment management services that include (1) helping the client clarify his or her investment objectives, goals and time horizons, (2) creating a diversified portfolio based on those needs, and (3) investing and managing the portfolio on behalf of the client on a discretionary basis. One Degree Advisors, Inc. has discretionary authority to make trades in client accounts as dictated by its best judgment for each client’s situation without the client’s prior consent. One Degree Advisors, Inc. will evaluate all publicly traded investments, but primarily recommends to its clients institutional-style and no-load mutual funds and other low-cost investment vehicles, and for some clients, municipal notes and bonds and other fixed income securities. Assets under the direct management of One Degree Advisors, Inc. are held at an independent custodian in the client’s name. One Degree Advisors, Inc. does not have custody of client assets meaning that One Degree Advisors, Inc. does not hold client funds or securities either directly or indirectly and has no authority to obtain possession of them. Rather, One Degree Advisors, Inc. manages the assets under a limited power of attorney executed by the client. Prior to engaging One Degree Advisors, Inc. to provide services, clients are generally required to enter into an agreement with One Degree Advisors, Inc. setting the terms and conditions of the engagement (including termination), describing the scope of the services to be provided, and the portion of the fee that is due from the client prior to One Degree Advisors, Inc. beginning services. Subject to any written guidelines, which the client may provide, One Degree Advisors, Inc. will be granted discretion and authority to manage the client’s investment account(s). Accordingly, One Degree Advisors, Inc. is authorized to perform various functions, at the client’s expense, without further approval from the client. Such functions include making all investment decisions on the (a) securities purchased/sold and (b) the amount of securities to be purchased/sold. Once the portfolio is constructed, One Degree Advisors, Inc. provides ongoing supervision and rebalancing of the portfolio as changes in market conditions and client circumstances may require. One Degree Advisors, Inc. | Item 4 – Advisory Business 5 One Degree Advisors, Inc. offers, but not on a regular basis, investments through a third-party investment adviser (“sub-adviser”). All sub-advisers to whom One Degree Advisors, Inc. refers its clients will be a registered investment adviser with the Securities and Exchange Commission or other appropriate jurisdictions. At the time of the referral to the sub-adviser, the clients receive full disclosure that includes detailed information on the services offered and other pertinent disclosures by delivery of a copy of the relevant sub-adviser’s Form ADV Part 2 or equivalent disclosure documents. When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interests ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations

(give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. After consultation with One Degree Advisors, Inc., clients may impose restrictions on investing in certain securities or types of securities. Other restrictions may be imposed by clients with respect to the (average or longest) maturity or credit quality of fixed income investments. In either case, all restrictions must be in writing. If requested by the client, One Degree Advisors, Inc. recommends the services of other professionals for implementation purposes. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from One Degree Advisors, Inc. One Degree Advisors, Inc. will, under certain circumstances, provide general financial advice on an hourly basis. Unless the client directs otherwise, One Degree Advisors, Inc. shall primarily recommend that all investment management accounts be maintained at TD Ameritrade One Degree Advisors, Inc. | Item 4 – Advisory Business 6 Institutional, a division of TD Ameritrade, Inc. Member FINRA/SIPC/NFA (TDA) and/or Charles Schwab and Co., Inc. (Schwab). Financial Institution Consulting Services One Degree Advisors, Inc. provides investment consulting services to certain broker/dealers’ customers (“Brokerage Customers”) who provide written consent requesting to receive the firm’s consulting services. Brokerage Customers have entered into a written advisory agreement with One Degree Advisors, Inc. Client Obligations In performing its services, One Degree Advisors, Inc. shall not be required to verify any information received from the client or from the client’s other professionals. Moreover, each client is advised that it remains his or her responsibility to promptly notify One Degree Advisors, Inc. if there is ever any change in the client’s financial situation or investment objectives during the client engagement. Disclosure Statement A copy of One Degree Advisors, Inc.’s written brochure as set forth on Part 2A of Form ADV shall be provided to each client prior to, or at the same time as, the execution of the Advisory Agreement. Any client who has not received a copy of One Degree Advisors, Inc.’s written brochure at least 48 hours prior to executing the Advisory Agreement shall have five business days subsequent to executing the agreement to terminate the One Degree Advisors, Inc.’s services without penalty. Amount of Assets Under Management As of December 31, 2022, One Degree Advisors, Inc. has $276.8 million of assets under management; $274 million on a discretionary basis and $2.8 million on a non- discretionary basis. Our Policies on Class Action, Bankruptcies, and Other Legal Proceedings Clients should note that One Degree Advisors, Inc. will not advise nor act on behalf of the client in legal proceedings involving companies whose securities are held or previously were held in the client’s account(s), including, but not limited to, the filing of “Proofs of Claim” in class action settlements. If desired, clients may direct One Degree Advisors, Inc., if documents have been received by One Degree Advisors, Inc., to transmit copies of class action notices to the client or a third party. Upon such direction, One Degree Advisors, Inc. will make commercially reasonable efforts to forward such notices in a timely manner. Participation in Wrap Fee Programs One Degree Advisors, Inc. does not sponsor any wrap fee program. A wrap fee program is defined as any advisory program under which a specified fee or fees not based directly upon transactions in a client’s account is charged for investment supervisory services (which may include portfolio management or advice concerning the selection of other investment advisers) and the execution of client transactions. One Degree Advisors, Inc. | Item 5 – Fees and Compensation 7