Coughlin Financial has been in business as a registered investment adviser since June 2002. Founded by the firm’s President, John M. Coughlin, Jr., Coughlin Financial provides financial planning, consulting and investment management services to its clients. Coughlin Financial believes in always putting the interests of its clients first. The firm works with its clients to identify their goals and then seeks to help clients achieve them. Prior to engaging Coughlin Financial to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with Coughlin Financial setting forth the terms and conditions under which Coughlin Financial renders its services (collectively the “Agreement”). As of December 31, 2023, Coughlin Financial had $35,217,016 in assets under management, of which $3,708,871 was managed on a discretionary basis and $31,508,145 was managed on a non-discretionary basis. This Disclosure Brochure describes the business of Coughlin Financial. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of Coughlin Financial’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 Coughlin Financial’s behalf and is subject to Coughlin Financial’s supervision or control. Financial Planning and Consulting Services Coughlin Financial provides clients with a broad range of comprehensive financial planning and consulting services. These services may include business planning, investments, insurance, retirement, education, estate planning and tax and cash flow needs of the client. In performing these services, Coughlin Financial is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. Coughlin Financial may recommend the services of itself and/or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if Coughlin Financial recommends its own services. The client is under no obligation to act upon any of the recommendations made by Coughlin Financial under a financial planning or consulting engagement or to engage the services of any such recommended professional, including Coughlin Financial itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of Coughlin Financial’s recommendations.

Clients are advised that it remains their responsibility to promptly notify Coughlin Financial if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating or revising Coughlin Financial’s recommendations and/or services. Coughlin Financial Services, Inc. Disclosure Brochure Investment Management Services Clients can engage Coughlin Financial to manage all or a portion of their assets on a discretionary or non-discretionary basis. Coughlin Financial primarily allocates clients’ investment management assets among exchange-traded funds (“ETFs”) and individual debt and equity securities in accordance with the investment objectives of the client. However, Coughlin Financial may also provide advice about any type of investment held in clients' portfolios, but clients should not assume that these assets are being continuously monitored or otherwise advised on by the Firm unless specifically agreed upon. Coughlin Financial also may render non-discretionary investment management services to clients relative to variable life/annuity products that they own, their individual employer-sponsored retirement plans, and/or 529 plans or other products that are not held by the client’s primary custodian. In so doing, Coughlin Financial either directs or recommends the allocation of client assets among the various investment options that are available with the product. Client assets are maintained at the specific insurance company or custodian designated by the product. Coughlin Financial tailors its advisory services to the individual needs of clients. Coughlin Financial consults with clients initially and on an ongoing basis to determine risk tolerance, time horizon and other factors that impact the clients’ investment needs. Coughlin Financial seeks to ensure that clients’ investments are suitable for their investment needs, goals, objectives and risk tolerance. Clients are advised to promptly notify Coughlin Financial if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon Coughlin Financial’s management services. Clients may impose reasonable restrictions or mandates on the management of their account (e.g., require that a portion of their assets be invested in socially responsible funds) if, in Coughlin Financial’s sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. Coughlin Financial is not the sponsor or manager of a wrap fee program.