This Disclosure document is being offered to you by Peak Planning Group, LLC (“Peak Planning”) about the investment advisory services we provide. It discloses information about the services that we provide and the way those services are made available to you, the client. We are an investment management firm located in Colorado. We specialize in investment advisory services for individuals, high-net-worth individuals, trusts and estates. The firm was established as a registered investment adviser by Louis “PJ” Patierno, Jr. in 2017. PJ is the majority owner of Peak Planning Group, LLC at 85% ownership. We are committed to helping clients build, manage, and preserve their wealth, and to provide assistance that helps clients to achieve their stated financial goals. We offer potential new clients an initial meeting free of charge; however, investment advisory services are initiated only after you and Peak Planning execute an engagement letter or client agreement. Investment and Wealth Management and Supervision Services We offer both discretionary and non-discretionary investment management and investment supervisory services for a fee based on a percentage of your assets under management. These services include investment analysis, allocation of investments, quarterly portfolio reports, financial commentaries, and ongoing monitoring of client portfolios. We primarily allocate client assets among various mutual funds, exchange- traded funds (“ETFs”), and individual debt (bonds) and equity securities in accordance with their stated investment objectives. We will work with you to obtain necessary information regarding your financial condition, investment objectives, liquidity requirements, risk tolerance, time horizons, and any restrictions on investing. This information enables us to determine the portfolio best suited for your investment objective and needs. In performing our services, we rely on information provided by the client regarding your current financial situation, any expected changes in your situation, and your desired level of return and risk tolerance. Once we have determined the types of investments to be included in your portfolio and allocated them, we will provide ongoing investment review and management services. We review your account on a regular basis and rebalance the portfolio, as we deem appropriate, to meet your financial objectives. We trade these portfolios and rebalance them based on the combination of our market views and your objectives, using our investment process. We tailor our advisory services to meet the needs of our clients and seek to ensure that your portfolio is managed in a manner consistent with those needs and objectives. You will have the ability to leave standing instructions with us to refrain from investing in particular industries or invest in limited amounts of securities. If a non-discretionary relationship is in place, calls will be placed to the client presenting the recommendation made including a rebalancing recommendation and only upon your authorization will any action be taken on your behalf. In all cases, you have a direct and beneficial interest in your securities, rather than an undivided interest in a pool of securities. We do have limited authority to direct the Custodian to deduct our investment advisory fees from your accounts, but only with the appropriate written authorization from you. Where appropriate, we provide advice about any type of legacy position or other investment held in client portfolios. Clients will engage us to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). Past performance is not a guarantee of future results. Certain market and economic risks may exist that adversely affect an account’s performance. This could result in capital losses in your account. Financial Planning Through the Financial Planning process, we strive to engage our clients in conversations around the family’s goals, objectives, priorities, vision, and legacy – both for the near term as well as for future generations. With the unique goals and circumstances of each family in mind, we offer financial planning ideas and strategies to address the client’s holistic financial picture, including estate,

income tax, charitable, cash flow, wealth transfer and family legacy objectives. We partner with your other advisors (CPA, Estate Attorney, Insurance broker, etc.) to ensure a coordinated effort of all parties toward your stated goals. Such services include various reports on specific goals and objectives or general investment and/or planning recommendations, guidance on outside assets and periodic updates. Our specific services in preparing your plan may include:
• Review and clarification of your financial goals.
• Assessment of your overall financial position including cash flow, balance sheet, investment strategy, risk management and estate planning.
• Creation of a unique plan for each goal you have including personal and business real estate, education, retirement or financial independence, charitable giving, estate planning, business succession and other personal goals.
• Development of a goal-oriented investment plan, with input from various advisors to our clients around tax suggestions, asset allocation, expenses, risk and liquidity factors for each goal. This includes IRA and qualified plans, taxable and trust accounts that require special attention.
• Design of a risk management plan including risk tolerance, risk avoidance, mitigation and transfer, including liquidity as well as various insurance and possible company benefits.
• Crafting and implementation of, in conjunction with your estate and/or corporate attorneys as tax advisor, an estate plan to provide for you and/or your heirs in the event of an incapacity or death. A written evaluation of your initial situation or Financial Plan is provided to you. An annual review will be provided by us, if requested. More frequent reviews occur but are not necessarily communicated to you unless immediate changes are recommended. Consulting Services We also provide clients investment advice on a more-limited basis on one-or-more isolated areas of concern such as estate planning, real estate, retirement planning, or any other specific topic. Additionally, we provide advice on non-securities matters about the rendering of estate planning, insurance, real estate, and/or annuity advice or any other business advisory / consulting services for equity or debt investments in privately held businesses. We also assist clients in the development, review, evaluation, and monitoring of client assets in a retirement plan. We will evaluate a client’s investments and offer recommendations to the client concerning those assets. We may also provide information on the underlying investments, the Fund’s managers, capitalization, investment style, expenses, portfolio composition and other factors relevant to the assets. The advice will be based solely on information requested by us and (i) provided by Client, or (ii) provided by the custodian, at Client’s direction, or (iii) made available to consultant through various third-party data sources. Our Firm shall not be responsible for the accuracy of the information supplied by the custodian or other third parties or for errors in reports arising solely from such information. If, as a result of review and analysis, we believe an investment option should be removed, we may recommend a replacement for consideration. Wrap Fee Programs We generally provide services on a wrap fee basis as a wrap program sponsor. Under our wrap program, you will receive investment advisory services, the execution of securities brokerage transactions, custody and reporting services for a single specified fee. Participation in a wrap program may cost the client more or less than purchasing such services separately. The terms and conditions of a wrap program engagement are more fully discussed in our Wrap Fee Program Brochure. Because wrap program transaction fees and/or commissions are being paid by Peak Planning to the account custodian, we have an economic incentive to minimize the number of trades in the client's account. This creates a conflict of interest. We recognize the fiduciary responsibility to act in the client’s best interest and have established policies in this regard to mitigate any conflict of interest a wrap fee arrangement may create. Assets As of December 31, 2022, we have $229,841,537under discretionary management and $537,831under non-discretionary management for a total of $230,379,368 under our firm’s management.