Cross State Financial Group, LLC (“We”) was formed in November 2015. Our owners are Steven Iversen and Danielle Mutz. We are an investment adviser registered with the Securities and Exchange Commission (SEC). Additional information about our owners is available under Item 19, below and in their attached supplement brochures. Before we enter an Adviser-Client relationship, we offer a complimentary general consultation to discuss services available, give a prospective client time to review services desired, and determine whether a relationship might benefit the client. Investment advisory services begin only after we and the client formalize the relationship with a properly executed agreement. We offer the following services. FINANCIAL PLANNING SERVICES We offer clients financial planning services to evaluate their financial situation, goals and risk tolerance. Through a series of personal interviews and the use of questionnaires the firm will collect pertinent data, identify goals, objectives, financial problems, potential solutions, prepare specific recommendations and implement recommendations. As a result of these actions, our advice may be provided on one or more of the following: budget analysis, income planning, financial and cash management, risk management, estate planning, tax issues, retirement planning, educational funding, goal setting, or other needs as identified by the client and the firm. We may offer comprehensive planning services, or the client may desire advice or consulting on individual planning components; the firm can tailor services as desired by the client. At the conclusion of the Financial Planning Service the firm may present the client with a written financial plan PORTFOLIO MANAGEMENT SERVICES We manage individualized portfolios for clients. We work with each client to formulate an individualized portfolio based upon his/her objectives, time frame, risk parameters and other investment considerations. The portfolio may be created using one or more of our model portfolios or we may customize an individual portfolio that does not include any models. Please see Item 8 for additional details about the risks associated with these investments. We allow clients to impose reasonable restrictions on the type of investments we use in their accounts. All restrictions must be presented to us in writing. RECOMMENDATION AND MONITORING OF THIRD-PARTY INVESTMENT ADVISER SERVICES When deemed appropriate, we will recommend the

services of an independent investment adviser (“Third Party Adviser”). The recommendation will depend on the client’s circumstances, goals and objectives, strategy desired, account size, risk tolerance, or other factors. We work with the client to determine which Third Party Adviser may be appropriate. Clients always have the right to decide whether to use the recommended Third-Party Adviser. We will review Third Party Advisers prior to making a recommendation to the client. We consider the following factors during our review: fees, reputation, performance, financial strength, management, price, reporting capabilities, client’s financial situation, client’s goals, client’s needs, and client’s investment objectives. After our review we will present the client with one or more Cross State Financial Group, LLC Page 5 ADV Part 2A – 3/20/2024 recommendations. If the client wishes to proceed with the recommendation, the client will sign an agreement with us along with a separate agreement with the Third-Party Adviser. The agreement with the Third- Party Adviser states that it is responsible for portfolio management, best execution, portfolio reporting, trading, trade error resolution, and custodian reconciliations. Our agreement with the client states that we will monitor the client’s account managed by the Third-Party Adviser, make recommendations about the Third-Party Adviser, meet with the client at least annually either in person or by telephone and act as the client’s primary financial adviser. All questions regarding the Third-Party Adviser’s services and performance will be directed to us. When we recommend the service of a Third-Party Adviser, clients will be given a copy of its Form ADV Part 2A upon the recommendation. Clients are encouraged to read and understand this disclosure document. We will not refer a client to a third party unaffiliated investment adviser unless it is registered or exempt from registration as an investment adviser in the client’s state of residence. Also, the client should refer to the Third-Party Adviser’s ADV Part 2A on whether the client is allowed to impose restrictions on the type of investments used in their accounts. WRAP PROGRAM We do not sponsor a wrap fee program. This is not applicable. CLIENTS ASSETS MANAGED As of January 2, 2024, we manage $145,456,346 of client’s assets on a discretionary basis and $0in client assets on a non-discretionary basis. Additionally, we advise on and monitor $1,175,000 in client assets held with third-party investment advisers.