Item 5 - Additional Compensation .......................................................................................................................... 26 Item 6 - Supervision ..................................................................................................................................................... 26 Brochure Supplement (Part 2B of Form ADV) .......................................................................... 28 Principal Executive Officer – Mark Picchi ............................................................................................................ 28 Item 2 - Educational Background and Business Experience ....................................................................... 28 Item 3 - Disciplinary Information ........................................................................................................................... 28 Item 5 - Additional Compensation .......................................................................................................................... 29 Item 6 - Supervision ..................................................................................................................................................... 29 Firm Description LPF Advisors, LLC (“LPF”) was founded in 2005 and became registered to offer investment advisory services in 2019. Kristopher Flammang and Mark Picchi are co-owners. Debbie Bectal is the Chief Compliance Officer. We have a fiduciary duty to exercise good faith and act solely in the best interest of clients. We maintain policies and procedures, including a Code of Ethics which requires the interests of clients be placed ahead of our interests. Our Fiduciary Duty applies to all types of accounts that we manage. Adam Carter, DBA Waypoint Advisors is affiliated with LPF Advisors, LLC as an Investment Advisor Representative (IAR). He is also a Registered Representative of Securities America, Inc., Broker/Dealer. He pays fees to LPF for administrative and compliance service. Waypoint Advisors, is an affiliate of LPF therefore under the same supervision and policies of LPF. Types of Advisory Services ASSET MANAGEMENT LPF offers discretionary and non-discretionary asset management services to advisory Clients. LPF will offer Clients ongoing asset management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. Discretionary When the Client provides LPF discretionary authority the Client will sign a limited trading authorization or equivalent. LPF will have the authority to execute transactions in the account without seeking Client approval on each transaction. Non-Discretionary When the Client elects to use LPF on a non-discretionary basis, LPF/WP will determine the securities to be bought or sold and the amount of the securities to be bought or sold. However, LPF will obtain prior Client approval on each and every transaction before executing any transaction. When deemed appropriate for the Client, LPF may hire Sub-Advisors to manage all or a portion of the assets in the Client account. LPF has full discretion to hire and fire Sub- Advisors as they deem suitable. Sub-Advisors will maintain the models or investment strategies agreed upon between Sub-Advisor and LPF. Sub-Advisors execute trades on behalf of LPF in Client accounts. LPF will be responsible for the overall direct relationship with the Client. LPF retains the authority to terminate the Sub-Advisor relationship at LPF’s discretion. THIRD PARTY MONEY MANAGERS When deemed appropriate for the Client, LPF may refer you to a third-party investment adviser for your investments. LPF will review the ongoing performance of the third-party adviser as a portion of the client’s portfolio. If LPF recommends a third-party investment advisor to you, a complete description of that advisor’s services, fee schedules and account minimums is provided in that advisor’s Form ADV Disclosure Brochure or Wrap Fee Program Brochure. The third-party advisor manages your accounts in accordance with the disclosures in those brochures, and copies of the brochures are provided to you when we initially recommend the advisor. ERISA PLAN SERVICES LPF provides service to qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit-sharing plans, cash balance plans, and deferred compensation plans as a 3(21) advisor: Limited Scope ERISA 3(21) Fiduciary. LPF may serve as a limited scope ERISA 3(21) fiduciary that can advise, help and assist plan sponsors with their investment decisions. As an investment advisor LPF has a fiduciary duty to act in the best interest of the Client. The plan sponsor is still ultimately responsible for the decisions made in their plan, though using LPF can help the plan sponsor delegate liability by following a diligent process. 1. Fiduciary Services are:
• Provide investment advice to the Client about asset classes and investment options available for the Plan in accordance with the Plan’s investment policies and objectives. Client will make the final decision regarding the initial selection, retention, removal and addition of investment options. LPF acknowledges that it is a fiduciary as defined in ERISA section 3 (21) (A) (ii).
• Assist the Client in the development of an investment policy statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the IPS.
• Provide investment advice to the Plan Sponsor with respect to the selection of a qualified default investment option for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility to provide all notices to the Plan participants required under ERISA Section 404(c) (5) and 404(a)-5.
• Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformance to the guidelines set forth in the IPS and make recommendations to maintain, remove or replace investment options.
• Meet

with Client on a periodic basis to discuss the reports and the investment recommendations. 2. Non-fiduciary Services are:
• Assist in the education of Plan participants about general investment information and the investment options available to them under the Plan. Client understands LPF’s assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). As such, LPF is not providing fiduciary advice as defined by ERISA 3(21)(A)(ii) to the Plan participants. LPF will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan.
• Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding by the employees. LPF may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between LPF and Client. 3. LPF has no responsibility to provide services related to the following types of assets (“Excluded Assets”):
• Employer securities;
• Real estate (except for real estate funds or publicly traded REITs);
• Stock brokerage accounts or mutual fund windows;
• Participant loans;
• Non-publicly traded partnership interests;
• Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or
• Other hard-to-value or illiquid securities or property. Excluded Assets will not be included in the calculation of Fees paid to LPF on the ERISA Agreement. Specific services will be outlined in detail to each plan in the 408(b)2 disclosure. FINANCIAL PLANNING AND CONSULTING LPF offers three different services, a full financial plan, hourly consultation services, and ongoing financial planning as outlined below. Full Financial Plan Financial planning services include a comprehensive evaluation of an investor's current and future financial state and will be provided by using currently known variables to predict future cash flows, asset values and withdrawal plans. LPF will use current net worth, tax liabilities, asset allocation, and future retirement and estate plans in developing financial plans. Typical topics reviewed in a financial plan may include but are not limited to:
• Risk Management and Protection: Review existing policies, life insurance needs analysis, disability income protection, long term care evaluation, and Medicare/health insurance.
• Investment Management: Portfolio review, risk assessment and time horizon, asset allocation development, investment and manager selection, portfolio re- balancing, and monitoring and behavioral guidance.
• Retirement and Income Planning: Feasibility analysis and projections, cash flow analysis, income distribution strategies, social security and pension claiming, employer and self-employed plans, transfer and rollover options, RMDs and withdrawal advice, and debt management.
• Family, Estate, and Taxes: Education funding, core estate documents and trusts, advisor directed trust services, gifting and charitable giving, elder care and special needs, taxes in retirement, Roth conversions, tax efficient investing, and estate administration.
• Comprehensive Services: Financial education, account aggregation, formal financial planning, and coordinate other professionals.
• Business Owner Specific: Continuation, exit, succession, risk management, and other. Hourly Consultation Services This service is appropriate for clients who need assistance with individual topics. This is not a detailed financial review and will not provide/result in a comprehensive financial plan. Client may select individual topics above, or other topics as may be deemed appropriate. The individual topics that will be included in this service will be outlined and agreed upon on the financial planning and consulting agreement. If a conflict of interest exists between the interests of LPF and the interests of the Client, the Client is under no obligation to act upon LPF’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through LPF. Financial plans will be completed and delivered inside of thirty (30) days contingent upon timely delivery of all required documentation. Ongoing Financial Planning Services Clients that participate in on-going financial planning can expect the following:
• Up to four meetings per year depending on Client preference.
• Update of financial plan.
• Address any ongoing changes and/or issues.
• Review assets held outside of LPF.
• Ongoing check-ins via phone or email for accountability, encouragement and to address changes along the way.
• Initial recommendations are completed and delivered within thirty (30) days, contingent upon timely delivery of all required documentation. If a conflict of interest exists between the interests of LPF and the interests of the Client, the Client is under no obligation to act upon LPF’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through LPF. Financial plans will be completed and delivered inside of thirty (30) days contingent upon timely delivery of all required documentation. Depending on the level of services requested, your IAR can prepare a written report. Implementing any recommendation may require you to work closely with your attorney, accountant and/or insurance agent. Implementation is entirely at your discretion. Your IAR may also advise on non-securities matters. Generally, this is in connection with rendering estate planning, college planning and insurance and/or annuity advice. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each Client are documented in our Client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written Client consent. Wrap Fee Programs LPF does not sponsor any wrap fee programs. Client Assets Under Management As of April 19, 2024, LPF had $231,345,807 in discretionary Client assets under management and $718,672 in non-discretionary Client assets under management. Assets Under Advisement As of April 19, 2024, LPF had approximately $310,060,410 in assets under advisement. Assets Under Advisement is where LPF provides advice or consultation, but LPF does not have discretionary authority or does not arrange or effectuate the transaction.