Firm Description Financial & Tax Architects, LLC (“FTA”) is an investment advisor and has been providing advisory services since 1998. FTA is wholly owned by FTA Holdings Group, LLC. FTA Holdings Group, LLC is owned by Victoriae, Inc. and Gordon Haave. Victoriae, Inc. is wholly owned by David Scott Brooks. FTA is registered with the U.S. Securities and Exchange Commission. As of December 31, 2023, FTA has discretionary assets under management (“AUM”) of $345,788,018 and non-discretionary AUM of $33,098,016. Retail Investor Discretionary Asset Management FTA provides discretionary investment advisory services to individual and high-net worth clients who are nearing retirement or who have retired. FTA offers ongoing, continuous portfolio management services to its clients by gathering data from the client and using the data and one-on-one interviews to collectively arrive at their investment objectives, risk tolerance, and time horizon. The selection of FTA’s investment strategies and an allocation using those strategies are based on those factors. In some instances, FTA may create customized models at the request of the client. Customized models are required to be discretionary accounts only. FTA and the client periodically review their financial situation which may result in alterations of their investment strategies and asset allocation. It is the responsibility of the client to notify FTA of any material changes to their financial situation. All FTA clients sign a discretionary Investment Advisory Agreement (“IAA”). This allows FTA to manage the clients’ assets without pre-approval for each change to the invested assets. In certain instances, a client may wish to designate specific holdings as restricted for a variety of reasons. Any such designated assets are excluded from FTA’s advisory fee calculations. Financial Institution Sub-Advisory Services FTA’s provides sub-advisory services to other registered investment advisory firms. FTA provides access to its investment strategies under the terms of a sub-advisory agreement. Under the terms of that agreement, FTA relies on the sub-advised firm to determine the investment strategies and asset allocation best suited to the needs of their clients. FTA does not act as a personal, direct investment advisor or enter into an IAA with the sub-adviser clients. FTA does not possess knowledge of the individual information or investment goals and objectives and does not provide personalized investment advice to those clients. Sub-Advisory investment services are considered impersonal investment advice (which means that these services are not intended to meet the needs or the objectives of specific individuals or accounts). It is the responsibility of the financial institution to deliver FTA’s ADV Part 2 to their clients. Financial Consulting and Guidance As a complimentary service to our investment advisory services*, FTA provides advice in the form of financial consulting and guidance. Our financial consulting and guidance services are designed to assist clients with creating an all-encompassing financial plan. *In limited circumstances, FTA may charge a fee for guidance services related to 401(k)s depending on the scope of the engagement and the client’s specific needs, which is determined on a client-by-client basis. See Item 5 for more information. FTA’s financial consulting and guidance services include:
• An initial information intake meeting.
• A follow-up meeting to deliver and discuss initial recommendations.
• A second follow-up meeting, which ideally takes place during the ensuing twelve (12) months to check on progress and adjust recommendations based on changes to any of the assumptions made initially.
• Retirement or pre-retirement strategies are recommended to in a client-specific written retirement financial action plan. The plan explores different opportunities to maximize Social Security benefits, consolidation of investment accounts, investment performance, and the potential benefits of adding insurance products like an annuity. Annuities are sold through an affiliated entity, FTA Insurance Services, LLC. The compensation from annuity sales are commission based and are paid directly to BHFM. The retirement financial action plan and the decision to employ any of the recommendations included in the plan are at the sole discretion of the client. Clients can take their plan and disengage

with FTA at any time Our financial consulting and guidance services may also include a review of the client’s retirement plan. In some instances, FTA may offer 401k guidance. The implementation of any FTA financial consulting recommendation is at the sole discretion of the client. Private Wealth Strategies FTA’s asset management services rely on a series of proprietary investment models designed to approximate specific market segments for both its retail and sub-advisory clients. Our investment models or Private Wealth Strategies (“Strategies”) as we call them, use an investment model which determines when trades are made to maintain the appropriate mix of investments. The Strategies are not mutual funds or pooled accounts; each client maintains the ownership of the underlying investment securities. Their accounts are reviewed and rebalanced monthly or more frequently as needed. At the inception of our advisory relationship, FTA and the client will collectively select a blend or allocation of Strategies. Accounts are reviewed regularly to ensure the agreed upon allocation is maintained. Due to market fluctuations, some allocation disparity make occur for short periods of time. FTA’s sub-advisory services work much the same way. The firm who engages us to provide sub-advisory services determines the Strategies and allocations for their clients. Those allocation are provided to FTA. All accounts are rebalanced, and trades executed at the same time. A complete list of all Strategies and their descriptions are available upon request. Clients should be aware the Strategies are not managed in a tax sensitive fashion. Any tax management strategies should be discussed on an individualized basis with a tax professional. FTA does not provide legal, tax or other accounting advice. Educational Seminars and Workshops FTA provides no cost educational seminars and workshops where an FTA representative will provide pre- approved information on topics like financial planning, retirement planning, generic tax planning and Social Security benefit education. These educational seminars and workshops are offered on an impersonal basis and do not focus on the individual needs of those who attend. The seminars are for educational purposes only and do not contain any investment advisory advice to the attendees. Educational seminars are typically held at local colleges or universities. FTA is not affiliated with any academic institution and the presentation materials are neither reviewed nor endorsed by any academic institution. Client Exclusions and Investment Restrictions In some instances, our clients may impose certain trading restrictions on specific securities holdings in their accounts. Those securities are segregated and may not be traded. No other investment restrictions are permitted unless agreed to in writing by FTA. Termination of Services FTA clients may terminate FTA’s advisory services at any time by providing written notice. FTA can terminate the advisory agreement upon thirty (30) day’s written notice to the client. Termination of the advisory agreement will not affect (a) the validity of any action previously taken by FTA under the agreement; (b) liabilities or obligations of the parties from transactions initiated before termination of the agreement; or (c) the client’s obligation to pay advisor fees (pro-rated through the date of termination). Upon termination, FTA will have no further obligation to take any action with regard to the client’s securities, cash or other investments. Sub-Advisory services may be terminated by the sub-advised financial institution at any time. Termination of a sub-advisory agreement will not affect (a) the validity of any action previously taken by FTA under the agreement; (b) liabilities or obligations of the parties from transactions initiated before termination of the agreement; or (c) the client’s obligation to pay advisor fees (pro-rated through the date of termination and thirty (30) day notice period). Upon termination, FTA will have no further obligation to take any action with regard to the securities, cash or other investments in any sub-advised accounts. FTA shall be entitled to a pro rata sub-advisory fee for the period those services were provided during the billing period. The sub-advisory agreement is non-assignable without the written consent of each party Wrap Fee Programs FTA does not have a wrap fee program.