A. Description of the Advisory Firm Inman Financial Services, Inc. (hereinafter “IFS”) is a Corporation organized in the State of Oregon. The firm was formed in December 1992, registered as an investment adviser in August 2018 and the principal owner is David Stuart Inman. B. Types of Advisory Services Portfolio Management Services IFS offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. IFS creates an Investment Policy Statement for each client, which outlines the client’s current situation (risk tolerance, time horizon, liquidity needs, rate of return goals, and any special considerations), and then constructs a plan for selecting a portfolio that matches each client's specific situation. Portfolio management services include, but are not limited to, the following: • Investment strategy • Personal investment policy • Asset allocation • Asset selection • Risk tolerance • Regular portfolio monitoring IFS evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client. IFS seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of IFS’s economic, investment or other financial interests. To meet its fiduciary obligations, IFS attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, IFS’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is IFS’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time. IFS is authorized to conduct ongoing model rebalancing in Account, and will execute all other purchases and sales of securities only after securing permission from Client regarding each transaction. Client will be notified in writing prior to any fund/security additions or removals being made to the model utilized in Account. IFS no longer offers services through American Funds to clients. Existing clients may continue to receive legacy services through American Funds. Services provided to clients utilizing American Funds are the same services as above offered to all other clients. Financial Planning IFS will provide planning services as described generally in this section.
• Consultation and Data Collection - IFS and Client will discuss Client's goals and objectives and gather needed data. The client will furnish IFS with complete and up-to-date information applicable to undertaking the requested services and inform IFS of changes to that information as needed. Client's original papers and documents will be returned. Selected copies will be kept in IFS client files and are the property of IFS.
• Preparation - IFS will review Client's data and objectives, and create reports based upon the services requested by Client.
• Implementation - IFS and Client will discuss findings, analysis, and prepared reports. Upon completion of the work, it will be the Client's decision as to where or when to implement any recommendations from IFS. Financial plans and financial planning may include, but are not limited to:
• Investment planning - Assessing client's current investment portfolio and allocations including analysis of individual securities and funds. Comparing current risk with client's time horizon and risk tolerance. Analyzing and recommending a customized investment solution that meets the client's needs and suits their risk tolerance.
• Life insurance - Evaluating the client's current life, health, long-term care, and disability insurance policies, and making suitable recommendations as needed regarding amounts and types of insurance coverages

to hold going forward.
• Tax concerns - Reviewing the client's current and potential financial decisions for tax efficiency and benefit, and making suitable recommendations as needed.
• Retirement planning - Providing client with a clear picture of the cash flow they can expect to receive from all sources beginning at retirement throughout the rest of their life, including the effects of taxes and inflation. Equipping client to understand the amount of savings required to reach their goals and giving them proactive solutions to any projected shortfall in retirement income.
• College planning - Providing client with options and recommendations for funding college expenses as needed including a detailed projection of necessary savings amounts to meet their funding goals.
• Estate planning - Assist clients with examining their will, beneficiaries, trust, health-care directives and personal estate goals, and recommend modifications where appropriate. If clients need to create or revise these items, an overview of the available options and connections to a network of trusted professionals are provided.
• Debt/credit planning - Giving client potential strategies to reduce debt and improve their credit as needed. Assisting with budgeting counsel and tools to help manage cash flow going forward. Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest. Services Limited to Specific Types of Investments IFS generally limits its investment advice to mutual funds, fixed income securities, real estate funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds, and non- U.S. securities. IFS may use other securities as well to help diversify a portfolio when applicable. C. Client Tailored Services and Client Imposed Restrictions IFS will tailor a program for each individual client. This will include an interview session to get to know the client’s specific needs and requirements as well as a plan that will be executed by IFS on behalf of the client. IFS may use model allocations together with a specific set of recommendations for each client based on their personal restrictions, needs, and targets. Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. However, if the restrictions prevent IFS from properly servicing the client account, or if the restrictions would require IFS to deviate from its standard suite of services, IFS reserve the right to end the relationship. D. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. IFS does not participate in wrap fee programs. E. Assets Under Management As of December 2022, IFS had $118,729,480.00 in assets under management under discretionary basis.