A. Firm Information Saxon Interests, Inc. dba Saxon Financial Group (“Saxon Financial Group” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Corporation under the laws of the State of Texas. Saxon Interests, Inc. was founded in October 1993 and became a registered investment advisor in February 2021. Saxon Financial Group is owned and operated by Richard Saxon (President). This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Saxon Financial Group. For information regarding this Disclosure Brochure, please contact Jaclyn Gilbert (Chief Compliance Officer) at (713) 425-5340. Certain Advisory Persons may market and deliver investment advisory services under practice names (“doing business as” or “dba” names) including Saxon Financial Group, Love Financial Group and Erdil Financial Group. A full list of practice names can be found on the Advisor’s Form ADV1 Schedule D, which can be found on the SEC’s website at www.adviserinfo.sec.gov/Firm/311687. B. Advisory Services Offered Saxon Financial Group offers investment advisory services to individuals, high net worth individuals, trusts, estates, businesses, and retirement plans (each referred to as a “Client”). The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Saxon Financial Group's fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Investment Management Services Saxon Financial Group provides investment management services on a discretionary or non-discretionary basis. Saxon Financial Group works closely with each Client to identify their investment goals, objectives, and risk tolerance to create a portfolio strategy. Saxon Financial Group will primarily place Client assets into one of Saxon Financial Group’s models consisting of mutual funds, exchange-traded funds (“ETFs”), stocks, options, independent managers, fixed income, and/or alternative investments. Saxon Financial Group also believes that certain Clients may benefit from individual stock and fixed income portfolio management services and strategies. These strategies would assist Clients in meeting their market exposure, risk management, tax management and return objectives in a cost- effective manner using systematic strategies. Saxon Financial Group will collaborate with Clients to design and implement customized solutions to accommodate personal preferences including sector/industry constraints as well as establishment of additional investment guidelines as they deem necessary. Depending on the needs and objectives of the Client and/or certain Advisory Person preferences, Saxon Financial Group will construct an investment portfolio consisting of mutual funds, exchange-traded funds (“ETFs”), stocks, options, independent managers, fixed income, and/or alternative investments to achieve the Client’s investment goals. The Advisor may retain a Client’s legacy investments based on portfolio fit and/or tax considerations. Saxon Financial Group’s investment strategies are primarily long-term focused, but the Advisor may buy, sell or re- allocate positions that have been held for less than one year to meet the objectives of the Client or due to market conditions. Saxon Financial Group will construct, implement, and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Advisor. Page 5 Saxon Financial Group evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Saxon Financial Group may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Saxon Financial Group may recommend specific positions to increase sector or asset class weightings. The Advisor may recommend employing cash positions as a possible hedge against market movement. Saxon Financial Group may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. At no time will Saxon Financial Group accept or maintain custody of a Client’s funds or securities, except for the limited authority as outlined in Item 15 – Custody. All Client assets will be managed within the designated account[s] at the Custodian, pursuant to the terms of the advisory agreement. Please see Item 12 – Brokerage Practices. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed

by the Advisor. Financial Planning Services Saxon Financial Group provides a variety of financial planning and consulting services to Clients. Financial planning services are offered in 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 consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including but not limited to, investment planning, retirement planning, personal savings, education savings, legacy planning, insurance needs and other areas of a Client’s financial situation. A financial plan developed for, or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Saxon Financial Group may also refer Clients to an accountant, attorney or other specialists, as appropriate for their unique situation. For certain financial planning engagements, the Advisor will provide a written summary of the Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Advisor may not provide a written summary. Plans or consultations are typically completed within six (6) months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Advisor and the interests of the Client. For example, the Advisor has an incentive to recommend that Clients engage the Advisor for investment management services or to increase the level of investment assets with the Advisor, as it would increase the amount of advisory fees paid to the Advisor. Clients are not obligated to implement any recommendations made by the Advisor or maintain an ongoing relationship with the Advisor. If the Client elects to act on any of the recommendations made by the Advisor, the Client is under no obligation to implement the transaction through the Advisor. Page 6 Use of Independent Managers Saxon Financial Group may utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) to manage a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In certain instances, the Client may be required to authorize and enter into an investment management agreement with the Independent Manager[s] that defines the terms in which the Independent Manager[s] will provide its services. The Advisor will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients investment objectives and overall best interests. The Advisor will also assist the Client in the development of the initial portfolio recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A - Disclosure Brochure (or a brochure that makes the appropriate disclosures). The Advisor will perform ongoing reviews of the Independent Manager to ensure the Client needs are met. Retirement Plan Advisory Services Saxon Financial Group provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (“Plan Sponsor”). The Advisor’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan. Each engagement is customized to the needs of the Plan and Plan Sponsor. Retirement plan advisory services generally include:
• Vendor Analysis
• Employee Enrollment anda Education Tracking
• Investment Policy Statement (“IPS”) Design and Monitoring
• Investment Oversight
• Performance Reports
• Ongoing Investment Recommendation and Assistance
• ERISA 404(c) Assistance
• Benchmarking Services These services are provided by Saxon Financial Group serving in the capacity as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of the Advisor’s fiduciary status, the specific services to be rendered and all direct and indirect compensation the Advisor reasonably expects under the engagement. C. Client Account Management Prior to engaging Saxon Financial Group to provide investment advisory services, each Client is required to enter into one or more agreements with the Advisor that define the terms, conditions, authority and responsibilities of the Advisor and the Client. These services may include:
• Establishing an Investment Strategy – Saxon Financial Group, in connection with the Client, will develop a strategy that seeks to achieve the Client’s goals and objectives.
• Asset Allocation – Saxon Financial Group will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client.
• Portfolio Construction – Saxon Financial Group will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client.
• Investment Management and Supervision – Saxon Financial Group will provide investment management and ongoing oversight of the Client’s investment portfolio. D. Wrap Fee Programs Saxon Financial Group does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by Saxon Financial Group. Page 7 E. Assets Under Management As of December 31, 2023, Saxon Financial Group manages $535,001,107 in Client assets, $461,694,012 of which is managed on a discretionary basis and $73,307,095 on a non-discretionary basis. Clients may request more current information at any time by contacting the Advisor.