A About Our Firm. IceBridge Financial Group, LLC is a Florida limited liability company founded in 2022 by its sole managing principal and chief compliance officer, Anatoly Iofe. Our principal offices are located in Boca Raton, Florida. We are registered as an investment advisor with the State of Florida Office of Financial Regulation. We provide tailored investment advice and embrace our role as a fiduciary to our clients. IFG’s objective is to provide individuals, families, corporations, and institutions with customized, objective, and comprehensive wealth management and financial planning advice designed to meet their unique goals. We achieve this by obtaining a deep understanding of your financial circumstances and needs while remaining sensitive to your tolerance for investment risk and time horizon for investments. The information contained in this brochure describes our investment advisory services, practices, and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our services to the needs of our clients. As used throughout this brochure, the words “IFG,” “we,” “our,” “firm,” and “us” refer to IceBridge Financial Group, LLC, and the words “you,” “your,” and “client” refer to you as either a client or prospective client of our firm. Prior to forming an investment advisor-client relationship, we may offer you a complimentary general consultation to discuss the nature of our services and to determine how we can best assist you in achieving your financial goals and objectives. Investment advisory services begin only upon your execution of a written advisory agreement with IFG. B C Our Services. We offer a variety of investment advisory services to clients. Our investment advice is always tailored according to each client’s unique financial circumstances, objectives, and needs. A description of our various investment advisory services is as follows: Private Wealth Management We offer private wealth management services that combine ongoing and continuous portfolio management with risk management, financial planning, and consulting services that are designed to assist our clients in the management of their overall financial affairs. We will manage your designated investment accounts in accordance with our understanding of your unique financial circumstances, investment objectives, goals, and needs. You will be required to deposit your assets to an account (or accounts) held in your name at an independent qualified custodian and execute a limited power of attorney granting our firm trading authority over your account. In most instances, you will be required to grant us discretionary authority to implement transactions within your designated account(s) without obtaining your prior approval for each specific transaction. In addition to selecting the specific securities to be bought and sold for your account, the amount of such securities to be bought or sold, and the timing of such transactions, our discretionary authority will extend to allow us to select, engage, and disengage third-party money managers (each, an “Independent Manager”) to assist us in the management of your assets. In limited circumstances, we may agree to manage your account on a non-discretionary basis, requiring that we obtain your consent prior to implementing transactions within your account. You may impose reasonable restrictions on our management of your account(s), including instructing us not to purchase certain specific securities, industry sectors, and/or asset classes. We will consult with you at the inception of our relationship and periodically thereafter, as necessary, to gather information regarding your financial circumstances, investment objectives and limitations, tolerance for investment risk, time horizon for investments, tax situation, current and expected income level and cash flow needs, and other considerations. Based on our analysis of these factors, we will recommend and implement a portfolio of investments and/or select Independent Manager managed investment programs which we believe to align with your unique investment needs and objectives. We may also manage your account utilizing model portfolios designed by our firm or by a third party money manager. We will monitor your account(s) on an ongoing basis (including any assets allocated to Independent Managers) and implement or recommend changes to your portfolio as needed or appropriate, in consideration of current economic conditions, our market opinions and assumptions, and any material changes in your individual financial circumstances, goals, and needs. As indicated above, the portfolio we design for you may incorporate the use of Independent Managers to provide discretionary management to some or all of your assets. The Independent Managers we select or recommend for your account will be responsible for investment research and day-to-day trading decisions involving the assets placed under their management. IFG will communicate your investment needs to the Independent Manager and select an investment strategy for the Independent Manager to implement within your account. We will act as a co- advisor, continuously monitoring the Independent Manager’s adherence to the chosen investment strategy and ensuring that the Independent Manager’s performance, strategy, and management style remain aligned with your investment needs and objectives. You will be provided with the Form ADV Part 2A (or equivalent disclosures) for any recommended Independent Manager(s) at or prior to the time they begin to manage your account. Private wealth management clients also receive financial planning and consulting services as part of our comprehensive approach to wealth management. We will prepare a written financial plan for you and meet with you periodically to track progress towards your financial goals and to review and update the plan as necessary throughout the duration of our relationship. A full description of our financial planning services can be found below. Through a combination of in-person consultations, phone conferences, and/or electronic communications (e.g., e- mail) we will further provide you with ongoing support and guidance with respect to routine financial matters such as budgeting and cash flow concerns, credit and debt management issues, and insurance coverage. At your request, we may also provide recommendations for the allocation of your assets contained outside of the account designated for our direct management (e.g., employer sponsored retirement accounts, qualified tuition plans, variable annuity sub-accounts). For these “held-away” accounts, we are limited to advising you as to the allocation of your holdings among the various investment options made available by the product sponsor, issuer, or custodian. You will make all final investment decisions with respect to our financial planning and consulting advice and will be responsible for implementation and monitoring of all held-away investments. Financial Planning and Consulting Services We also offer financial planning and consulting services on a stand-alone basis. This advice may cover, without limitation, some, or all of the following financial topics: ➢ Budgeting and Cash Management: Assisting the client in understanding cash inflows and outflows and setting and maintaining a sustainable budget. ➢ Risk Management and Insurance Planning: Evaluating areas of financial and other risk to the client and designing and recommending insurance coverage to protect the client’s family, home, assets, and cash flow from the effects of unexpected events. ➢ Financial Planning Relating to Specific Life/Business Events: Providing the client with specialized advice unique to events such as child birth, divorce, business transactions, real estate transactions, and other specific events, both planned and unplanned. ➢ Estate Planning: Advance planning for the client’s incapacitation and/or death, including end of life care/disability planning, handling of the client’s end of life financial affairs, and the management and distribution of assets upon the client’s death in a tax and cost efficient manner. ➢ Tax Planning: Analyzing the client’s unique tax circumstances and current tax regulations and designing tax efficient strategies intended to reduce tax liabilities for the client in the short and long term. ➢ Retirement Planning: Assisting the client in the design and implementation of a long term income and asset management plan intended to grow and protect their income and assets such that the client can maintain their desired standard of living throughout

their retirement. ➢ Investment Planning/Investment Goal Setting: Designing an overall plan for the investment and management of the client’s assets, including investment accounts (taxable and non-taxable), personal property, real property, and business interests in a manner designed to achieve their short and long term goals and objectives. Assisting the client in determining appropriate investment goals and objectives. ➢ Education Planning and Funding: Analyzing and designing a plan to fund educational needs of the client and the client’s family. ➢ Family Office Management: Includes strategic and tactical advisory consulting to ultra-high net worth clients and their families including family governance and decision-making advice, culture, value, and vision alignment assistance, enhanced financial reporting, tax planning, and tax efficiency advice, cash and liquidity management, private equity research/due diligence, real estate investment strategy consulting, asset protection advice, margin lending, banking, and financing solutions, liquidity and exit planning, and philanthropic consulting/planning services. These services are available either as part of an ongoing comprehensive financial planning and consulting relationship or on a one-time project basis. For ongoing financial planning and consulting engagements, we will consult with you at the inception of our relationship and on an as-necessary basis thereafter to obtain an understanding of your unique financial circumstances, goals, and key areas of financial concern. We will analyze the information and documents you provide and deliver an initial written financial plan, report, or summary of our observations and recommendations designed to address your unique financial situation, needs, and objectives. We will meet with you in person, by phone/tele-video conference or by other agreed upon method quarterly, monthly, or annually thereafter (as agreed) to review your financial plan, report, or summary, track progress towards your goals, and update our financial planning recommendations as necessary. We will also remain reasonably available to consult with you throughout our relationship on an as-needed basis and to provide you with advice regarding the topics addressed within your written financial plan and any other common financial concerns which may arise from time-to-time. For one-time financial planning engagements, you may select to receive broad-based financial planning services or advice regarding discrete financial topics or transactions. We will consult with you at the inception of our relationship to obtain an understanding of your unique financial circumstances, goals, and key topics or transactions of financial concern. We will analyze the information and documents you provide and deliver an initial written financial plan, report, or summary of our observations and recommendations designed to address your unique situation, needs, and objectives. For the most limited engagements, our advice may be conveyed to you solely via in-person consultations, by telephone/tele-video conference, and/or through e-mail correspondence. Once our final recommendations are delivered to you (whether in writing or otherwise) the engagement is concluded and no further update or review of our recommendations is provided, unless we otherwise agree in writing. Our stand-alone financial planning and consulting advice is non-discretionary in nature – you are never obligated to implement any of our recommendations and will make all final investment decisions. You will be responsible for the selection of service providers and the implementation and monitoring of your investments. While you are never obligated to utilize IFG for any further services, upon request, we may assist you with the implementation of our recommendations - additional fees may apply. Where you choose to engage us for private wealth management services following the conclusion of a stand-alone financial planning and consulting engagement, we may offset all or a portion of our financial planning and consulting fees against the fees to be charged for our ongoing wealth management services. We may recommend the engagement of certain other professionals (attorneys, tax professionals, and others) to assist you in implementing our financial planning advice. In some instances, this may include referrals to our affiliated business management firm, IceBridge Financial Management, LLC (“IFM”) for various consulting services. Clients are never obligated to engage IFM for any services. Please see Item 10 for a discussion of the types of services offered by IFM and the related conflicts of interest that arise as a result of our referral of advisory clients to this affiliated entity. Except with respect to referrals of advisory clients to IFM, we do not receive compensation or referral fees of any kind in connection with our recommendation of other professionals to advisory clients. You may elect to engage any recommended professional(s) at your own discretion and risk for additional fees to be negotiated independently with the chosen service provider. IFG does not provide legal or tax advice of any kind. D Wrap Fee Program. We do not currently sponsor any wrap fee programs, however, we may recommend wrap fee programs sponsored by unaffiliated investment managers (“Wrap Program Sponsors”) to clients. For example, where appropriate, we may recommend that you participate in certain wrap fee based programs sponsored by Schwab Advisor Services™, Adhesion Wealth Advisor Solutions, and other third party financial firms. Wrap fee programs provide investment advice and ongoing portfolio management services, access to Independent Managers, reporting, custodial, and trade execution services for a single asset-based fee. IFG manages client accounts subject to wrap and non-wrap fee arrangements in a similar manner. Where your assets are managed under a wrap fee program, the Wrap Program Sponsor and/or the Independent Manager(s) selected within the program will purchase or sell securities on a discretionary basis within your account in accordance with investment strategies and allocation selected by IFG. The broker-dealer and custodian of the wrap fee program will hold your assets under your name and execute trades for your account based upon the instructions of the selected Independent Managers and/or the Wrap Program Sponsor. The benefits you may experience from participation in a wrap fee program depend, in part, upon the size of your account, the costs associated with managing your account, and the frequency and/or type of securities transactions executed in your account. For example, a wrap fee program may not be suitable for an account that (i) will primarily hold for any substantial period of time, cash or cash equivalent investments, fixed income securities, or securities that are not subject to commissions or transaction fees or (ii) trades only infrequently. In order to evaluate whether a wrap fee program is appropriate for you, you should compare the costs associated with participating in the wrap fee program with the amounts that you would pay for a similar suite of services if the fees for each service were to be charged separately by each provider (i.e., investment advisor, Independent Manager, broker-dealer, and custodian). Types of Investments Recommended. While we don’t recommend any particular type of investment over any other, client portfolios are typically constructed using a diversified mix of some or all of the following instruments: individual stocks, corporate and government debt securities, mutual funds, exchange traded funds (“ETFs”), exchange traded products (“ETPs”), real estate investment trusts (“REITs”), money market funds, certificates of deposit, cash, and cash equivalents. Where appropriate, your portfolio may also include certain privately offered securities (e.g., hedge funds, private equity funds, privately offered REITs), options and derivatives, structured products, digital assets (typically accessed through ETFs and other publicly traded vehicles), insurance products, and/or other types of investments. At your request, we may further advise you regarding legacy investments held in your account at the inception of our relationship. Types of Strategies Recommended. The investment strategies we typically implement within client accounts are described in Item 8 of this brochure. E Assets Under Management. We are a newly registered investment advisor. Accordingly, we have no assets under management to report as of the date indicated on the cover page of this brochure.