SargentInvestmentGroup,LLC(“SIGor“theAdvisor”)isalimitedliabilitycompany(“LLC”)organizedinthe State of Maryland and is registered as an investment advisor with the U.S. Securities and Exchange Commission(“SEC”).TheAdvisorwasfoundedinApril2018andisownedbyBrianMcGregor,ChrisRhyne, theRicardoRosenbergFamilyTrustandthe2024ThayerMcGregorFamilyTrust.TheAdvisorisoperatedby ChrisSargent,BrianMcGregor,Ricardo Rosenberg and Chris Rhyne. The Advisor employs a consultative approachtoinvestmentmanagementandfinancialplanning.
InvestmentAdvisoryServices SIG provides investment advisory services to individuals, trusts, estates, non-profit organizations, corporations, defined contribution plans and other business entities (each a “Client”). SIG provides investmentadvisoryservicesonadiscretionaryornon-discretionarybasis,basedontheindividualneedsof aClient.ThespecificservicesprovidedandtheassociatedfeeswillbeoutlinedinanInvestmentAdvisory AgreementbetweentheClientandtheAdvisor.
Through personal exploratory conversations with a Client, SIG’s Investment Advisor Representatives (“AdvisoryPersons”)gatheraClient’sinformation(whichwillincludetopicssuchas,financialobjectives, goals,investmenttimehorizonandanyotheruniqueClientneeds)anddefinesaClient’sriskprofileand investmentobjectiveinordertodetermineanappropriateassetallocationandsecurityselectionbestsuited tothatClient. SIGcontinuestomonitoraClient’sgoalsandcircumstancesand,onanongoingbasis,manages and rebalances the Client portfolio, as appropriate, taking into account any tax or other investment sensitivitiescommunicatedbytheClient.SeemoreinformationrelatedtoSIG’sprocesstomonitorClient goals and portfolios in Item 8, section Method of Analysis and Investment Strategies below. SIG’s wealth management process starts with investment management but will also consist of the coordination of a comprehensiverangeofintegratedfinancialservicestohelpaClientreachtheirfinancialgoals.SIGdoesnot providetax,accountingorlegaladvice,andencouragesClientstoconsultwiththeirtax,accountingandlegal experts as appropriate. A formal review is conducted with Clients no less than annually. Clients will be responsibletoadviseSIGofanychangestotheirfinancialinformation,goalsorotherdetailsthatmayimpact theappropriatenessoftheirportfolioallocationandinvestmentobjective.
Ourinvestmentrecommendationsarenotlimitedtoanyspecificproductorserviceofferedbyabrokerdealer orlistedonanexchange. MostClientassetswillbeinvestedinreadilymarketablestocks(bothforeignand domestic),corporateormunicipalbonds,exchange-tradedfundsandnotes,optionsandmutualfunds.Where appropriate,investmentsmaybeinsmallcapitalizationstocksorprivateinvestments,whichmaybeless liquidthaninvestmentsinlargercompanies.Clientscanrequestadvicefromusregardingsecuritiesthatare outsideourtypicalstrategyuponrequest.
Whenmanagingassetsonadiscretionarybasis,SIGisauthorizedtoexecutealltradesinaClient’saccount without gaining a Client’s permission prior to trading. When SIG services Client accounts on a non- discretionarybasis,alltradeswillbeexecutedaftergainingfinalapprovaloftransactionsfromtheClient.SIG mayprovideadvicetoClientsrelatedtooutsideorself-directedassets(“Self-DirectedAssets”),wherethe Clientretainsallcontroloftheaccountorretainscontrolovertradingauthority.SIGhasnodiscretiontotrade aClient’sSelf-DirectedAssets.
SIGwillnotintentionallyholdcustodyofClientassets.Clientaccounts,bothdiscretionaryandnon- discretionary,willbeheldbyanindependentqualifiedcustodian,exceptasnotedbelowinItem15-Custody.
SIGrequiresthatClientsmaintainaminimumbalanceof$500,000,whichissubjecttoexceptionsunder certaincircumstances.
WrapFeeProgram SIGdoesnotsponsororplaceClientsintoaWrapFeeProgram.Investmentmanagementservicesare provideddirectlybySIG.
SelectionIndependentManagers SIGmayrecommend,basedonindividualcircumstances,thataClientinvestaportionoftheirassetsbyand among certain independent third-party money managers, including private funds, or unlisted separately managedaccounts(“SMA’s”)(collectivelyknownas“IndependentManager(s)”),thetermsandconditionsto be set forth in a separate written agreement and/or offering documents between the Client and the IndependentManager.IndependentManagerstypicallyspecializeinaparticulartypeofsecurityorstrategy.
ThemanagementoftheassetsinaClient’saccountsbysomeIndependentManagersisnotspecifictothe Client’sneedswhentradedbutisdeterminedbythestrategyselected.OtherIndependentManagers(SMA’s) will select assets specific to the Clients’ individual needs. Certain private funds will operate as pooled investment vehicles that the Client owns a percentage share in. When an Independent Manager is recommended by SIG, the Advisor is responsible for due diligence of and ongoing monitoring of the IndependentManager.Item8furtherdescribesourMethodsofAnalysis,InvestmentStrategiesandRisksof Lossrelatedtotheseinvestments.
FinancialPlanning,ConsultingServices,Self-DirectedAssets SIGwilltypicallyofferavarietyoffinancialplanningandconsultingservicestoclients.Servicesareofferedin several

areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve preparing a formal financial plan or rendering a specific financial consultationbasedontheClient’sfinancialgoalsandobjectives.Thisplanningorconsultingmayencompass oneormoreareasofneeddependingontheClient’ssituation.Financialplanningservicesareavailabletoall Clients,butaClientisnotrequiredtoutilizetheservice.
We cannot stress enough the importance that a Client accurately and completely communicate to their AdvisoryPersonandSIGtheinformationneededtocompleteafinancialplanormorethoroughlyunderstand Clientneeds.OurgoalistoprovideClientswiththemostpersonalizedandcompletefinancialplanaspossible, asweintendforClientstouseitasablueprintofhowbesttoreachtheirgoals.ToensurethataClient’splan remainsaccurateandup-to-date,itisveryimportantthataClientcontinuallyupdatetheirAdvisoryPerson andSIGwithanychangestotheirfinancialsituation,goalsorinvestmenttimehorizon.
Clients may engage SIG on a consulting basis for the provision of any particular investment service or a varietyofservicesasagreeduponbetweenSIGandtheClient.Theservicestobeprovidedwillbeoutlinedin anagreementbetweenSIGandtheClient.
ClientsmaychoosetodesignatecertainassetsheldintheiraccountmanagedbySIG,orinotheraccounts heldwiththecustodianas“self-directed”andnotsubjecttoSIG’sinvestmentadvisoryservicesoradvisory fees.Self-directedassetsmustbespecificallyidentifiedbytheClientandapprovedbytheAdvisorinwriting.
SIGwillhavenoresponsibilityorfiduciarydutywithrespecttoanyself-directedassets.
RetirementAccountConsiderations AspartofSIG’sadvisoryservices,anAdvisoryPersonmayprovideaClientwithrecommendationsandadvice concerningtheiremployerretirementplanorotherqualifiedretirementaccount.SIGmayrecommendthat theClientwithdrawtheassetsfromtheiremployer'sretirementplanorotherqualifiedretirementaccount androlltheassetsovertoanindividualretirementaccount("IRA")thattheAdvisorwillmanage,orSIGmay respondtoarequestfromaClienttoacceptassetswithdrawnfromanemployers’retirementplanorother clientIRAformanagement,withoutprovidingadvice.IftheClientelectstorolltheassetstoanIRAunderSIG’s management,SIGwillchargetheClientanasset-basedfeeasdescribedinItem5.
SIGisafiduciaryundertheInvestmentAdvisorsActof1940andwhenweprovideinvestmentadvicetoyou regardingyourretirementplanaccountorindividualretirementaccount,wearealsofiduciarieswithinthe meaningofTitleIoftheEmployeeRetirementIncomeSecurityAct(ERISA)and/ortheInternalRevenue Code,asapplicable,whicharelawsgoverningretirementaccounts.ThewaySIGmakesmoneycreatessome conflictswithourClient’sinterests,soSIGoperatesunderaspecialrulethatrequiresustoactinourClient’s bestinterestandnotputourinterestaheadofyours.

• Asafiduciary,SIGmustmeetaprofessionalstandardofcarewhenmakinginvestment recommendations(giveprudentadvice);
• SIGwillneverputourfinancialinterestsaheadofyourswhenmakingrecommendations (giveloyaladvice);
• Weseektoavoidmisleadingstatementsaboutconflictsofinterests,feesandinvestments;
• Wehaveimplementedpoliciesandproceduresdesignedtoensurethatouradviceisinyour bestinterest;
• Wechargenomorethanisreasonableforourservices;andprovideClientswithimportant informationaboutourfeesandanyconflictsofinterest.
AClientisundernoobligation,contractuallyorotherwise,tocompletearolloverafteranydiscussionswith SIG,andmayhaveseveralotheroptionsotherthanrollingoverthefunds.Furthermore,ifaClientdoesdecide torolloverfundsintoanIRA,theyareundernoobligationtohavetheirIRAassetsmanagedbySIG.
Clientsshouldcarefullyassesstheguidelinesoftheircurrentretirementplanandtheprosandconsof withdrawingfundsfromtheplanintoanIRAanddiscussthesewiththeirAdvisoryPerson.
RetirementPlanAdvisoryServices SIGalsoprovidesretirementplanadvisoryservicesonbehalfofretirementplans(eacha“Plan”) andthecompany(the“PlanSponsor”).TheAdvisor’sretirementplanadvisoryservicesaredesignedtoassist thePlanSponsorinmeetingitsfiduciaryobligationstothePlananditsPlanParticipants.Eachengagementis customizedtotheneedsofthePlanandPlanSponsor.Servicesgenerallyinclude:
• PlanParticipantEnrollmentandEducationTracking
• InvestmentPolicyStatement(“IPS”)DesignandMonitoring
• InvestmentOversightServices(ERISA3(21))
• BenchmarkingServices
• OngoingInvestmentRecommendationandAssistance TheseservicesareprovidedbySIGservinginthecapacityasafiduciaryundertheEmployee RetirementIncomeSecurityActof1974,asamended(“ERISA”).InaccordancewithERISASection408(b)(2), thePlanSponsorisprovidedwithawrittendescriptionofSIGfiduciarystatus,thespecificservicestobe renderedandalldirectandindirectcompensationtheAdvisorreasonablyexpectsundertheengagement.
AssetsUnderManagement As of December 31, 2023 SIG managed approximately $788,416,428 in discretionary assets under management and $358,380,273 in non-discretionary assets under management. Total assets under managementareapproximately$1,146,796,701.