A | Description of the Advisory Firm Jarvis Financial Services, Inc., dba “Jarvis Financial,” is a corporation organized in the State of Washington and an investment advisor registered with the SEC.
Nathaniel P. Jarvis, CFP® began what is now Jarvis Financial in September of 1990. Jarvis Financial was incorporated in 2004 and became an independent registered investment advisor in 2013. Nathaniel’s son, Matthew P. Jarvis, CFP® joined the firm in 2003 and became the firm’s sole owner in 2012. Our offices are located in Federal Way, Washington.
B | Types of Advisory Services Jarvis Financial Services, Inc. (hereinafter, “JFS,” “firm,” “we,” “us,” and “our”) offers the following services to advisory clients (“client,” “you,” and “your”), each of which are designed to help you achieve your financial goals: Financial Planning Financial plans and financial planning may include, but are not limited to advice with respect to some or all of the following financial topics: retirement income, risk management, tax reduction strategies, and investment strategies. Our financial planning advice may be delivered to you in the form or a written financial plan, a shorter report or checklist, or via informal discussions with you (in-person, via telephone or tele-video conference, or via e-mail), as we may agree in a written financial planning agreement.
The majority of our clients receive financial planning services in conjunction with our rendering of investment supervisory services. Those services are further described below. In this scenario, the client retains the sole discretion to accept or reject any of our financial planning advice, in whole or in part, and is responsible for implementation and monitoring of all investments held away from the accounts designated for our investment supervisory services. Our financial planning recommendations to investment supervisory clients are reviewed and updated periodically based on the client’s needs and reasonable requests for such reviews. In all such cases, we will review and update our financial planning recommendations to you at least annually.
On a limited basis, clients can engage us for financial planning services on a stand- alone basis for hourly fees. Under a stand-alone financial planning engagement, clients retain the sole discretion to accept or reject any of our financial planning advice, in whole or in part, and are responsible for implementation of investments (including the selection of service providers to be utilized), and their ongoing monitoring. For stand-alone financial planning engagements, unless otherwise agreed, we do not review or update our financial planning recommendations following their initial delivery to the client.
5 | JARVIS FINANCIALFORM ADV 2A VERSION: 3/28/24 Investment Supervisory Services JFS offers ongoing portfolio management services based on the individual goals, objectives, time horizon and risk tolerance of each client. JFS creates an Investment Policy Statement for each client, which outlines the client’s current financial situation (income, tax, and risk tolerance levels) and then constructs a plan to aid in the selection of a portfolio that matches with the client’s specific situation. Investment supervisory services include, but are not limited to the following: JFS evaluates the current investments of each client with respect to their goals, risk tolerance levels, and time horizon for investment. JFS will request discretionary authority from client in order to select securities and execute transactions within the client’s account held at an independent qualified custodian. With your grant of this authority, we will implement our investment recommendations within your account without obtaining your prior consent to each specific transaction. It is, however, the policy of JFS that whenever reasonable, potential changes are discussed with the client prior to implementation. In all cases, we exercise this authority in a manner consistent with our fiduciary duty to you and our understanding of your unique investment profile, objectives, needs, and restrictions. Risk tolerance levels are documented in the Investment Policy Statement, which is prepared and provided to each client. JFS typically requires clients to use Fidelity Brokerage Services LLC (“Fidelity”) (CRD# 7784) as the custodian of their account. JFS has selected Fidelity based on their size,

strength, reputation, and low fees. Each year we evaluate the major custodians to ensure that Fidelity is still the best fit for our clients’ needs. Our brokerage practices are covered in more detail in Item 12 of this Brochure.
Retirement Plan Consulting Services We offer retirement plan consulting services to qualified retirement plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include a review of an existing plan, formulation of the investment policy statement, assistance selecting and monitoring plan service providers, recommendations regarding investment selection, on-going consulting, portfolio management services, and participant enrollment and investment education services.

• investment strategy selection;
• asset allocation recommendations;
• risk tolerance analysis;
• preparation of a personal investment policy statement;
• asset selection recommendations;
• regular portfolio monitoring;
• tax efficient portfolio design; and
• portfolio income analysis 6 | JARVIS FINANCIALFORM ADV 2A VERSION: 3/28/24 Selection of Other Advisers JFS has existing relationships with independent third party managers, including Envestnet and RBC for a limited number of legacy client accounts. For this limited group of accounts, the third party manager deducts the total advisory fees payable by the client and remits our portion of the agreed upon fee to us, after deduction of their own advisory fees. We do not share in the fees paid to the third party manager. JFS does not utilize third party money managers for new client accounts. If at some future date JFS decided to recommend third party money managers to clients, each client would receive an updated Form ADV and would be required to execute a revised investment advisory contract.
Services Limited to Specific Types of Investments JFS uses an extensive process to screen available investment options into a short list of mutual funds, equities (stocks), bonds, fixed income securities, debt securities, exchange traded funds (“ETFs”), Unit Investment Trusts (“UITs”), real assets, insurance products (including annuities), and government securities that will best accomplish our clients’ goals. JFS may use other securities as well to help diversify a portfolio when applicable and suitable to meet with the client’s investment needs and objectives.
C | Client Tailored Services and Client Imposed Restrictions JFS offers a similar suite of services to all of its clients. However, specific client financial plans and their implementation are dependent upon the client’s Investment Policy Statement which outlines each client’s current situation (income, tax levels, financial goals and risk tolerance levels) and is used to construct a client-specific plan to aid in the selection of a portfolio that comports with the client’s unique investment restrictions, needs, and targets. JFS believes that financial planning should be specifically tailored to the unique situation of each client. Prior to creating a financial plan or investment recommendations, clients must provide full disclosure of their financial situation including pertinent statements, tax returns, estate documents and insurance information. In addition, JFS needs a thorough understanding of a client’s financial goals and concerns. Only then can JFS offer recommendations on how to best achieve a client’s goals.
Clients may impose in writing restrictions on JFS’s ability to invest in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent JFS from properly servicing the client account, or if the restrictions would require JFS to deviate from its standard suite of services, JFS reserves the right to reject the proposed restriction or to end the relationship.
D | Wrap Fee Programs A wrap fee program is an investment program under which the costs of an investment advisor’s investment advice and the costs associated with the execution of brokerage transactions (e.g., trading commissions) charged by a broker-dealer are bundled together into a single asset-based fee.
JFS does not participate in any wrap fee programs.
7 | JARVIS FINANCIALFORM ADV 2A VERSION: 3/28/24