Finivi offers various advisory services, including financial planning, consulting, and investment management services. Prior to Finivi rendering any of the foregoing advisory services, clients are required to enter into one or more written agreements with Finivi setting forth the relevant terms and conditions of the advisory relationship (the "Advisory Agreement"). Finivi filed for registration as an investment adviser in January 2018 and is principally owned by Eric C. Jansen and Steven C. Johnson. As of December 31, 2022, Finivi had $ 190,585,835in assets under management, $171,173,517 was managed on a discretionary basis and $19,412,318 was managed on a non-discretionary basis. While this brochure generally describes the business of Finivi, certain sections also discuss the activities of its Supervised Persons, which refer to the Firm's officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees, or any other person who provides investment advice on Finivi's behalf and is subject to the Firm's supervision or control. Financial Planning and Consulting Services Financial Planning and Consulting Services: Finivi offers clients a broad range of financial planning and consulting services that can be delivered virtually and in person. These services may include the delivery of a written and or an electronic report or summary of recommendations based on the planning or consulting services elected. In general, a comprehensive or modular financial plan will address one or more of the following areas of concern. The Client and financial planner will work together to select the specific areas to cover. These areas may include, but are not limited to, the following: Business Planning: Finivi provides consulting services for clients who currently operate their own business, are considering starting a business, or are planning to exit from their current business. Under this type of engagement, Finivi works with the Client to assess their current situation, identify objectives, and develop a plan to achieve goals. Cash Flow and Debt Management: Finivi will review a client's current debt obligations, which can include student loans, credit card debt, personal loans, mortgages, and other debt, and provide guidance and creative strategies on reducing and eliminating debt, including which obligations to pay off first based on factors such as the interest rate of the debt, credit score, and income tax ramifications if any. College Savings: Finivi provides consulting services that include projecting the amount needed to achieve college or other post-secondary education funding goals, along with advice on ways for clients to save the desired amount. Recommendations as to savings strategies are included. If needed, the Firm will review the Client's financial picture related to eligibility for financial aid or the best way to contribute to grandchildren (if appropriate). Employee Benefits Optimization: Finivi will provide review and analysis as to whether the Client, as an employee, is taking the maximum advantage possible of their employee benefits. If the Client is a business owner, the Firm will consider and recommend the various benefit programs that can be structured to meet both business and personal retirement goals. Financial Goals: Finivi will help clients identify and develop a plan to reach them. The Firm will determine what a client plans to accomplish, what resources will be needed to make it happen, how much time will be required to reach the goal, and how much should be budgeted. Investment/Portfolio Analysis: This may involve an investment portfolio analysis of a client's existing investment accounts, including IRA's, 401(k)s and other individual or employer-sponsored retirement plan accounts, and then recommending, as appropriate, any adjustments to the portfolio's current investment options and asset allocation based on a client stated investment objective, risk tolerance, and investment time horizon. This may also include a discussion on alternative investment vehicles and strategies. The strategies and types of investments the Firm may recommend are further discussed in Item 8 of this brochure. Retirement Planning: Finivi's retirement planning services typically include projections of a client's likelihood of achieving a preferred retirement date and lifestyle. For situations where projections show less than the desired results, the Firm may make recommendations, including those that may impact the original projections by adjusting certain variables (i.e., working longer, saving more, spending less, adjusting current investment strategy). If the Client is near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or adversely altering spending during retirement years. Social Security Claiming Strategies Review: Finivi's claiming strategies review can help clients better understand what benefits they are eligible for, the claiming options available to them, and the right time and manner to file that maximizes their Social Security income and best fits their needs. The review will also provide guidance on coordinating a claiming strategy with a spouse, if applicable, and any other retirement income and resources the Client may have to maximize the Client's social security retirement income benefits. Risk Management: A risk management review includes an analysis of a client's exposure to major risks that could have a significant adverse impact on the financial picture, such as premature death, disability, property and casualty losses, or the need for long-term care planning and will include an analysis of the Client's current coverage/insurance policies in each of these areas, as applicable. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance ("self-insuring"). Estate Planning: Whether a client's goal is to leave a legacy behind for family, or favorite charity, provide for a family member with special needs, protect assets, or successfully transfer the family business to the next generation, Finivi approaches a client's wealth transfer, and estate planning needs with creativity, sophistication, and care. Estate planning is a process that includes making choices about how the estate and personal affairs will be administered in the event of the Client's death or disability. It also involves deciding how and to whom the Client would like assets distributed while also incorporating strategies to minimize the impact of income taxes, estate taxes, and other estate settlement costs on the estate's value. As part of an estate planning review, Finivi will provide analysis of a client's existing estate planning strategies and documents, including whether the Client has an up-to-date will, durable power of attorney, health care proxy (living will), trusts, or other related documents. In addition, the Firm may discuss the guardianship of minor children and a variety of other related issues. Finivi will also work with the Client and their attorney if desired to be certain estate planning documents reflect and are properly integrated with their overall planning objectives and financial plans. Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of a client's overall financial planning picture. For example, the Firm may make recommendations on which type of account(s) or specific investments should be owned based in part on their "tax efficiency," with the consideration that there is always a possibility of future changes to federal, state, or local tax laws and rates that may impact the Client's situation. Finivi recommends that clients consult with a qualified tax professional before initiating any tax planning strategy. The Firm may provide clients with contact information for accountants or attorneys specializing in this. Finivi will participate in meetings or phone calls with client approval between clients and their tax professionals. Career Transitioning: Finivi also provides coaching on career transitioning, including relevant recommendations on cash set aside, income/expense adjustments, and other related strategies to achieve career goals and adjust financial planning

strategies as appropriate. Divorce Financial Analysis: If a client is contemplating or is currently in the midst of divorce proceedings, Finivi can help the Client better understand the financial implications, help the Client make smart divorce settlement decisions, and develop workable financial scenarios for life after a divorce. The Firm's service includes preparing a detailed Divorce Financial Analysis to identify potential financial outcomes of proposed divorce settlement options and in-depth collaboration with the Client and their attorney to help empower the Client to make the best financial decisions during the process. These services are provided by one of the Firm's Certified Divorce Financial Analysts (CDFA). Depending on a client's specific planning needs and preferences, Finivi's Financial Planning and Consulting Services can be accessed in a variety of ways, including: Comprehensive Financial Planning This service provides a holistic review and guidance regarding a client's complete financial life. I t can include lifestyle and career goals, credit report review, income tax analysis, estate planning strategies, insurance coverage review, budgeting, debt management, retirement planning, cash flow, savings goals, and an employee benefits review. Advice-On-Demand This service is intended for those seeking financial guidance in a particular area instead of a more comprehensive financial plan. Types of advice offered include 401(k) investment option guidance, improving credit score, student loan debt, creating a workable budget, social security claiming options, navigating a life change, estate planning review, insurance coverage review, and other financial planning and investment-related topics. Ongoing Financial Guidance/Coaching This service is designed for those serious about making smarter financial decisions and creating the life they want. It includes ongoing assistance and coaching in various aspects of their financial lives. This service is offered on a monthly retainer basis as a standalone service or as part of the implementation process after a client has completed a comprehensive or modular financial plan. Ongoing financial guidance provides clients continuous access to Finivi's financial planners by phone, email, and screen sharing meetings such as Skype or Zoom. The services include advice and guidance on a range of financial and life issues, in addition to plan implementation that may come up throughout the Client's life including, should I purchase or lease my next car, getting married, divorced, death of a spouse, claiming social security, a family member entering a nursing facility, a career change, loss of job, starting a business, an unexpected windfall, investing and tax questions, building and improving credit, insurance questions and other financial and investing decisions that may need to be made. Other Financial Planning and Consulting Services Financial Educational Workshops, Webinars, and Speaking Engagements Finivi offers periodic financial education sessions for those desiring general advice on personal finance and investing. Topics may include financial planning, retirement planning, social security retirement income, estate planning, small business planning, the financial implications of marriage or divorce, and various other economic, financial, and investment topics. Finivi's financial education programs may be offered live in the Firm's office, on Facebook Live or other social media, at a group, club, or organization's location, or pre-recorded for viewing remotely as a standalone educational course or as part of series focused on a particular topic or planning area. All of Finivi's educational programs are generic in nature and do not involve the sale of insurance or investment products. Information presented will not be based on any one person's need, nor does the Firm provide individualized investment advice to attendees as part of the educational Program. A number of Finivi Supervised Persons (as defined in Form ADV) are also public speakers on a wide range of financial, investment, and economic related topics. Depending on the topic, location, and the audience being served, fees can range from pro-bono, per-participant, or flat, plus expenses. Finivi Reliance on Client Information In performing these services, Finivi is not required to verify any information received from the Client or the Client's other professionals (e.g., attorneys, accountants, etc.) and is expressly authorized to rely on such information. Finivi recommends certain clients engage the Firm for additional related services, its Supervised Persons in their capacities as insurance agents or registered representatives of a broker-dealer and other professionals to implement its recommendations. Clients are advised that a conflict of interest exists for the Firm to recommend that clients engage Finivi or its affiliates to provide (or continue to provide) additional services for compensation, including investment management services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by Finivi under financial planning or consulting engagement. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising Finivi's recommendations and services. Investment Management Services Finivi manages client investment portfolios on a discretionary basis. Finivi primarily allocates client assets among various individual debt and equity securities, exchange-traded funds ("ETFs"), and to a lesser extent, mutual funds, per their stated investment objectives. Where appropriate, the Firm also provides advice about any legacy position or other investment held in client portfolios. Clients can engage Finivi to manage and 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 (i.e., 401(k) plans) and qualified tuition plans (i.e., 529 plans). In these situations, Finivi directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product's provider. Finivi tailors its advisory services to meet the needs of its clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. Finivi consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints, and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify Finivi if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients can impose reasonable restrictions or mandates on the management of their accounts if Finivi determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the Firm's management efforts. Written Acknowledgement of Fiduciary Status When Finivi provides 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 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 in your best interest. • Charge no more than is reasonable for our services; and • Give you basic information about conflicts of interest.