Company Artifex Financial Group, LLC is a privately-held Ohio limited liability company that has been registered as an investment adviser since January 2007. Artifex Financial Group, LLC is strictly a fee-only financial planning and investment management firm. Artifex Financial Group, LLC does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. Artifex Financial Group, LLC is not affiliated with entities that sell financial products or securities. Artifex Financial Group, LLC does not accept commissions or finder’s fees. Throughout this disclosure brochure, Artifex Financial Group, LLC is referred to as “AFG” or the “firm”. The principal owners of AFG are Doug Kinsey and Darren Harp. Services AFG provides the following types of advisory services: Personal Wealth Management Services AFG provides personalized wealth management services. AFG believes that financial planning is an integral part of the investment management process. The financial planning component of this service will typically include some or all of the following:
• Cash flow and budget analysis
• Development of an investment policy statement
• Risk management planning
• Estate planning
• Tax planning
• Education funding
• Insurance review AFG gathers required information through in-depth personal interviews. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which AFG’s Personal Wealth Management Services may be beneficial to the client. Information gathered includes a client's current financial status, future goals and attitudes towards risk. Related documents supplied by the client are carefully reviewed, and a written report is prepared. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed to the client in the unlikely event they should occur. Clients who retain AFG for this comprehensive service also receive investment management services. Investment management will generally be provided on a discretionary basis, wherein the client gives AFG authority to manage the client's assets in accordance with what AFG deems to be in the client's best interest. Clients will have, however, the opportunity to place reasonable restrictions on the types of investments which will be made on the client's behalf. Clients will retain individual ownership of all securities. Assets are invested primarily in no-load or low-load mutual funds and exchange-traded funds, usually through discount brokers or fund companies, but may also include individual equity and fixed-income securities. Investment Management Services Clients can also retain AFG to provide investment management as a stand-alone service. Though clients that opt for this service will not receive comprehensive financial planning as with the service described above, AFG will develop an investment policy statement based on the client’s investment objectives and risk tolerance profile. Investment management services will generally be provided on a discretionary basis, wherein the client gives AFG authority to manage the client's assets in accordance with what AFG deems to be in the client's best interest. Clients will have, however, the opportunity to place reasonable restrictions on the types of investments which will be made on the client's behalf. Clients will retain individual ownership of all securities. Assets are invested primarily in no-load or low-load mutual funds and exchange-traded funds, usually through discount brokers or fund companies, but may also include individual equity and fixed-income securities. 401(k) Retirement Consulting Services AFG provides 401(k) Retirement Consulting Services to both the sponsor of the retirement plan (the “Client”) and plan participants (the “Plan Participants”). Fiduciary Services AFG shall provide to the Client the scope of services in connection with the investment and reinvestment of securities, cash and/or other investments held from time to time in the Client’s plan account (the “Plan”). AFG shall be a fiduciary of the Plan, as defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), with respect to the investment advice AFG provides to the Plan. Non-Fiduciary Services To the extent the Client is a plan sponsor of an individual account plan as defined under Section 404(c) of ERISA, AFG shall provide Plan Participants the services set forth in the scope of services in connection with the investment and reinvestment of securities, cash and/or other investments held from time to time in the Plan Participants’ accounts under the Plan. A Plan Participant shall exercise control over the assets in his or her account by providing the record-keeper with investment instructions in the form requested by the plan administrator regarding the investment of the account. AFG also provides Plan Participants with sufficient information to make informed decisions with regard to investment alternatives available under the Plan in accordance with ERISA regulation Section 2550.404c-1(b)(2)(i)(B)(1) and (2). Project-Based Services Clients can also retain AFG to provide project-based services. Typically, clients retain AFG on a 90-day project basis to provide retirement projections, basic insurance and estate planning analysis and basic

asset allocation recommendations. AFG’s recommendations are not limited to any specific product or service offered by a broker- dealer or insurance company. All recommendations are of a generic nature. In performing its services, AFG shall not be required to verify any information received from the client or from the client’s other professionals and is expressly authorized to rely thereon. If requested by the client, AFG may recommend the services of other professionals for implementation services. The client is under no obligation to engage the services of any such recommended professional. Consulting Services Clients can also receive investment advice on a more limited basis. This may include advice on only an isolated area(s) of concern such as estate planning, retirement planning, reviewing a client's existing portfolio, or any other specific topic. AFG also provides services regarding investment and financial concerns of the client. Tax Preparation Services In addition to providing tax preparation as part of its investment management services, AFG may also provide tax preparation as a stand-alone service. Wealth Club Network Services AFG has created the Wealth Club Network to provide advisory services to clients that would prefer a virtual, on-demand relationship with their investment adviser. AFG has entered into a sub-advisory arrangement with MTG, LLC d/b/a Betterment Securities (“Betterment”) whereby AFG provides Wealth Club Network clients with an initial consultation meeting (via telephone), basic financial planning services, portfolio selection services and annual account review services (via telephone) and Betterment provides the actual investment of the account assets on a sub-advisory basis via the Betterment Institutional platform. Wealth Club Network will execute investment management agreements with both AFG and Betterment to manage their assets on the Betterment Institutional platform. United Capital Financial Advisers, LLC - Sub-Advisory Relationship For certain client assets, AFG may outsource a portion of its investment management responsibilities to United Capital Financial Advisers, LLC (“UC”), an unaffiliated investment adviser, who serves as a sub-adviser. UC is granted limited discretionary investment authority over assets that AFG directs to UC. For the assets directed to UC for services, its responsibility includes the authority to:
• exercise discretion to determine the types of securities bought and sold, along with the percentage allocation
• apply its discretion as to when to buy and sell
• apply its discretion as to the timing of transactions
• select the broker-dealer for execution of securities transactions, if appropriate, and
• take other portfolio management actions AFG delegates or deems appropriate UC sub-advisory authority applies only to the specific assets within the client’s custodial account, for which UC has been appointed as the sub-adviser. UC shall not provide investment advice, or have any advisory responsibility to the client, beyond the assets for which it is appointed as sub-adviser. The terms of services provided by UC are directed in accordance with a separate written agreement entered into between AFG and UC. UC also provides separate services to AFG under its division FinLife Partners, as described below. FinLife Partners Service Offering In an effort to enhance the quality and breath of services that AFG provides to its clients, AFG utilizes a suite of digitally powered technology solution offered by FinLife Partners, a division of United Capital Financial Advisers, LLC (“FinLife Partners”). FinLife Partners provide access to its technology platform to the AFG that includes use of certain technology platform, training relating to use of such technology platform, and if elected by AFG certain clerical document and data compilation services. FinLife Partners is not in any way involved in, or responsible for, the individual investment management or guidance provided to AFG’s clients. AFG pays FinLife Partners a flat fee for its technology implementation services and fees calculated per percentage-basis formula in accordance with the volume of clients for whom AFG utilizes such services and/or products. As such, for certain services offered, clients indirectly contribute to the payment of cost of services paid to FinLife Partners. No client is under any obligation to utilize UC’s sub-advisory services or FinLife Partners’ technology solutions. If a client does not want to utilize UC for sub-advisory services or FinLife Partner’s technology solutions, the client may discuss alternative options with AFG. Wrap Fee Programs AFG does not offer a wrap fee program for its investment advisory services. However, AFG is a participating investment adviser in certain unaffiliated wrap account fee programs. The programs for which AFG manages investment advisory accounts on a discretionary basis are sponsored by United Capital Financial Advisers, LLC. With respect to the wrap-fee programs in which AFG is a participating investment adviser, clients pay their fees directly to the wrap fee sponsor/manager, who in turn remits a portion of that fee to AFG. In addition to AFG’s Form ADV Part 2A, clients that participate in such wrap-fee programs will be provided with United Capital Advisers, LLC’s warp fee program brochure(s). Assets Under Management As of December 31, 2023, AFG manages approximately $232,921,000 in assets. All client assets are managed on a discretionary basis.