Firm Information This Disclosure Brochure (“Form ADV Part 2”) provides information regarding the qualifications, business practices, and the advisory services provided by Cypress Financial Planning, LLC’s (“Cypress” or the “Firm,” “we,” “us,” “ours,”). We are a federally Registered Investment Adviser with the U.S. Securities and Exchange Commission (“SEC”). We were founded in 2009 and are primarily owned and operated by Jeffrey R. Jones. We provide investment advisory services to individuals, high net worth individuals, families, businesses, corporate pension and profit-sharing plans, charitable institutions, foundations, endowments, and trust programs. Our investment advisory services include investment management and financial planning. We are strictly a fee-only financial planning and investment management firm. Our compensation is solely from fees paid directly by clients. We do not receive commissions based on our clients’ purchase(s) of any financial product, including insurance. No commissions in any form are accepted. All of our financial advisors are fee-only fiduciaries who exercise his or her best efforts to act in good faith and in the best interest of the client. To this end, we offer a holistic approach to your finances including retirement planning, tax planning, insurance planning, education planning, business ownership concerns, intergenerational support, and estate management solutions. Types of Advisory Services Wealth Management We typically provide a variety of wealth management services to individuals, high net worth individuals and families, in several areas of a client’s financial situation, depending on their goals, objectives, and resources. In Wealth Management engagements, we provide ongoing Financial Planning and Investment Management services as described above and we provide customized investment management solutions for our clients. We will manage advisory accounts on a discretionary or non- discretionary basis, as agreed upon with the client. We meet with the client to review risk tolerance, financial goals and objectives, and time horizons. Additional meetings may include a review of additional financial information; sources of income, assets owned, existing insurance, liabilities, wills, trusts, business agreements, tax returns, investments, and personal and family obligations. The financial plan may include both long and short-term considerations, depending upon the individual scenario. Upon completion a plan is presented to the client and the client is provided with recommendations that are deemed to be compatible with the client’s stated goals and objectives. An implementation schedule is reviewed with the client to determine which steps will be pursued, and with whom the steps may be accomplished. The client is under no obligation to utilize the Firm to implement the advice or plan. Clients may choose all or certain components of advice and recommendations and can implement the recommendations through the service providers of their choice. We will then construct a portfolio consisting of one or all of the following: individual equities, bonds, other investment products, no-load or load-waived mutual funds, and ETFs. We will allocate the client’s assets among various investments taking into consideration the overall management style selected by the client. Mutual funds will be selected on the basis of any or all of the following criteria: the fund’s performance history; the industry sector in which the fund invests; the track record of the fund’s manager; the fund’s investment objectives; the fund’s management style and philosophy; and the fund’s management fee structure. Portfolio weighting between funds and market sectors will be determined by each client’s individual needs and circumstances. Retirement Plan Services We provide Retirement Plan Advisory Services. Our IARs may offer consulting and advisory services for employer sponsored retirement plans in accordance with the Employee Retirement Income Security Act (“ERISA”). These services are provided on a nondiscretionary basis and the retirement plan sponsor retains full discretionary authority over the assets of the retirement plan. When delivering ERISA fiduciary services, we will perform those services for the retirement plan as a fiduciary under ERISA Section 3(21)(A)(ii) and will act in good faith and with the degree of diligence, care, and skill that a prudent person rendering similar services would exercise under similar circumstances. When providing any ERISA fiduciary services, we will solely be making recommendations to the retirement plan sponsor and the retirement plan sponsor retains full discretionary authority or control over assets of the plan. These services which may be provided are generally

set forth below. Fiduciary Services
• Recommendations to establish or revise the plan’s Investment Policy Statement
• Recommendations to select and monitor the designated investment alternatives
• Recommendations to select and monitor qualified default investment alternatives
• Recommendations to allocate and rebalance model asset allocation portfolios
• Recommendations to select and monitor investment managers Non‐Fiduciary Services
• Assist plan fiduciaries with vendor management (service provider review)
• Assistance with plan fiduciary governance and committee structure
• Determining plan objectives and strategy
• Reviewing and conducting participant education and communication
• Developing and maintaining a fiduciary audit file While providing retirement plan services, IARs may establish client relationships with participants of the Plan outside of the scope of retirement plan services. Such relationships may have existed prior to a retirement plan service agreement and relationships may develop subsequent to a retirement plan services agreement in various ways. If IAR provides advisory services outside of the scope of the advisory agreement with a participant, it may be necessary for that participant to execute an advisory agreement on an individual basis with IAR. IAR will not use his position as Plan fiduciary to solicit such relationships. Furthermore, IAR will not encourage Plan participants to conduct “rollovers” or to take any other action that will negatively affect Plan or Plan participants or increase compensation to IAR or our Firm. Separate Plan and Participant relationship agreements will dictate terms of participant relationships. Wrap Fee Programs A “wrap-fee” program is one that provides the client with advisory and brokerage execution services for an all-inclusive fee. The client is not charged separate fees for the respective components of the total service. We do not sponsor, manage or participate in a Wrap Fee Program. Fiduciary Statement We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you regarding your retirement plan account or individual retirement account, we are also fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act, (“ERISA”) and/or the Internal Revenue Code, (“IRC”), as applicable, which are laws governing retirement accounts. We have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. We must take into consideration each client’s objectives and act in the best interests of the client. We are prohibited from engaging in any activity that is in conflict with the interests of the client. We have the following responsibilities when working with a client:
• To render impartial advice;
• To make appropriate recommendations based on the client’s needs, financial circumstances, and investment objectives;
• To exercise a high degree of care and diligence to ensure that information is presented in an accurate manner and not in a way to mislead;
• To have a reasonable basis, information, and understanding of the facts in order to provide appropriate recommendations and representations;
• Disclose any material conflict of interest in writing; and
• Treat clients fairly and equitably. Regulations prohibit us from:
• Employing any device, scheme, or artifice to defraud a client;
• Making any untrue statement of a material fact to a client or omitting to state a material fact when communicating with a client;
• Engaging in any act, practice, or course of business which operates or would operate as fraud or deceit upon a client; or
• Engaging in any manipulative act or practice with a client. We will act with competence, dignity, integrity, and in an ethical manner, when working with clients. We will use reasonable care and exercise independent professional judgement when conducting investment analysis, making investment recommendations, trading, promoting our services, and engaging in other professional activities. Tailored Relationships We tailor advisory services to the individual needs of the client. Clients may place reasonable investment restrictions on their portfolios, including bans on investing in particular industries, and investing in limited amounts of securities. All limitations and restrictions placed on accounts must be presented to us in writing. Assets Under Management As of December 31, 2022, we managed $233,988,878 in client assets; $139,301,892 managed on a discretionary basis, and $94,686,986on a non-discretionary basis.