A Values Added Financial LLC (“Values Added Financial,” “we,” “us,” “our,” and “firm”) is an SEC registered fee-only financial planning firm that specializes in providing comprehensive financial planning and investment advisory services to individuals, families and organizations. Values Added Financial is owned and operated by Zachary Teutsch and Ari Weisbard and began business in 2017. Our offices are located in Washington, D.C. Values Added Financials’ advisory services are tailored to meet each client’s (the terms “client,” “you,” and “your” are used throughout this brochure to refer to you as a client or prospective client of our firm) unique investment, risk management, retirement planning, cash management, recordkeeping, tax planning, estate planning, business development, student loan management, and goal setting needs. We primarily offer advice concerning publicly traded securities, real estate, and defensive options related to protecting concentrated securities positions. From time-to-time, we may also advise you on non-securities investments, such as currencies. We offer the following advisory services: Comprehensive Financial Planning and Investment Management Services A comprehensive financial planning engagement provides financial planning over the course of one year. Values Added Financial attempts to break down financial planning into manageable pieces to encourage you to follow through with our recommendations and steadily progress toward your financial goals. Clients will typically address four to six key topics during the Initial Year (see below) of services, depending on their individual financial circumstances, and will generally receive two to three scheduled follow up meetings to further address these topics and others, as appropriate, during subsequent years (see below). Meetings are typically conducted by secure remote meeting technology, depending on your availability and preference. In addition to scheduled meetings, additional face-to-face, e-mail, and/or phone consultations are included at no additional charge. Initial Year of Engagement: Examples of scheduled meeting topics are listed below. As part of our comprehensive financial planning services, we will schedule meetings to cover topics relevant to your unique financial situation, including some or all of the following, as applicable: ● Organizing Your Finances ● Vision and Building Your Roadmap ● Investment Strategy, Alignment, and Ongoing Management ● Estate Planning ● Tax Planning ● Spending Planning ● Retirement Projection ● Charitable Giving ● Risk Management and Insurance ● Education Planning ● Equity Compensation ● Real Estate ● Major Purchases ● Job Transitions / Sabbaticals ● Inheritance ● Sale of a Company ● Marriage ● Retirement ● Growing a Family Subsequent Years: In subsequent years, meetings are generally less frequent, and topics are often combined. The focus of meetings also shifts as initial tasks are completed and changes occur in the client’s financial circumstances and stage of the financial lifecycle. Scheduled meetings in Renewal Years typically cover topics such as the following: ● investment review/update; ● cash flow and budgeting review; ● goal setting review; ● tax planning; ● rebalancing of assets; and ● other financial planning and/or financial services as requested or needed by the client. In the course of a comprehensive financial planning engagement, we will periodically review your investments to help ensure there is adequate asset diversification and an overall allocation of assets that meets with your unique investment goals, risk profile, and time horizon for investments. We will also offer advice intended to reduce your investment expenses, where beneficial and practical to do so. We are also in the business of managing investment portfolios for our clients. After we make initial recommendations for client investments, our firm provides continuous ongoing supervisory management and advice to a Client regarding the investment of Client funds based on the individual needs of the Client. We will also review and discuss a Client’s prior investment history, as well as family composition and background. All investment advice is customizable, with each account managed according to the investment objectives, needs, guidelines, risk tolerance, and other information as provided by the Client. This begins through gathering information from each Client. Based upon information received from the Client, the Firm selects appropriate investment opportunities and invests Client assets in various types of mutual funds or securities. Through personal discussions in which goals and objectives based on a Client's particular circumstances are established, we develop a Client's personal investment policy or an investment plan with an asset allocation target and create and manage a portfolio based on that policy and allocation targets. Investment management services include, but are not limited to, the following: ● Investment Policy and Asset Allocation Strategy ● Individualized Security Recommendations and Implementation ● Regular portfolio monitoring ● Risk Tolerance and Suitability Values Added may use third-party service providers for portfolio monitoring and rebalancing. These service providers operate within parameters set by Values Added, and they are instructed to consult Values Added regarding any circumstances that the set parameters have not foreseen. Account supervision is guided by the stated objectives of the Client (e.g., maximum capital appreciation, growth, income, or growth and income), as well as tax considerations. Clients may impose reasonable restrictions on investing in certain securities, types of securities, or industry sectors. Fees pertaining to this service are outlined in Item 5 of this brochure. Use of Third-Party Managers, Outside

Managers, or Sub-Advisers (TAMPs) We offer the use of Third-Party Managers, Outside Managers, or Sub-Advisers (TAMPs) for portfolio management services. We assist Clients in selecting an appropriate allocation model, completing the sub-advisors investor profile questionnaire, interacting with the sub-advisor and reviewing the sub-advisor. Our review process and analysis of outside managers is further discussed in Item 8 of this Form ADV Part 2A. Additionally, we will meet with the Client on a periodic basis to discuss changes in their personal or financial situation, suitability, and any new or revised restrictions to be applied to the account. Fees pertaining to this service are outlined in Item 5 of this brochure. Business Consulting Services We offer business consulting services, which involves the consulting for small to mid-sized businesses. These services also include financial planning, business strategy, tax optimization strategy, estate planning, cash flow and debt management, review of accounting services such as bookkeeping, payroll, and entity annual filings. We do not provide bookkeeping and payroll services directly, nor do we directly execute required business filings. When applicable, clients may be advised to consult with an accountant or tax advisor. Project-based financial planning If a comprehensive financial planning relationship is not desired or practical, we may instead offer to enter into a Financial Strategy Intensive or other Project-based financial planning agreement. Project- based services are narrower in scope and usually focus on one or more of the financial topics that might be covered under a Comprehensive Financial Planning relationship (see the above list). The service includes various client consultations as well as written and/or oral recommendations resulting from such consultations. After delivery of our recommendations to the client, a follow up telephone call or email is provided within thirty (30) days to provide further clarification regarding the implementation of any recommended actions. The engagement is then considered complete, and no further update or review of our recommendations is provided (unless we are separately engaged for such additional services and paid an additional fee). Single-Session Offerings Single Session Offerings include an in-person, email-based, video conference, or telephonic pre- meeting to identify the financial issues and topics of concern most pressing to the client followed by a meeting in-person, via video conference, or telephone which focuses on 1-3 financial planning topics selected in advance by the client. We also offer additional pre-formulated sessions which cover topics such as buying a home, actions to take in anticipation of becoming a parent, beginning a new job, and other similar topics. A Single-Session Retainer does not include ongoing financial or investment advice or implementation assistance beyond brief emailing with the firm, offered at our sole discretion, which is limited to providing further clarification regarding the implementation of the actions recommended during the Single-Session engagement. Educational Presentations, Seminars, and Workshops These services consist of educational presentations, seminars, or workshops or other educational events in which Values Added Financial or its representatives provide financial education to a targeted audience. In some cases, these events are organized exclusively by Values Added Financial and in others a representative of Values Added Financial is invited to participate as one of the speakers at a presentation or workshop conducted by another organization, such as a synagogue, alumni association, or library. Such educational activities do not provide ongoing financial or investment advice or implementation assistance in between sessions or after the conclusion of a series of sessions. Pension and Profit-Sharing Plan Services Our firm provides employee benefit plan services to employer plan sponsors on an ongoing basis. Generally, such services consist of assisting employer plan sponsors in establishing, monitoring and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising could include: investment options, plan structure, and participant education. In providing employee benefit plan services, our firm does not provide any advisory services with respect to the following types of assets: employer securities, real estate (excluding real estate funds and publicly traded REITS), participant loans, non-publicly traded securities or assets, other illiquid investments, or brokerage window programs (collectively, “Excluded Assets”). B, C For all engagement types, we will enter into a written advisory agreement with you that details the scope of our advisory relationship, the applicable fees for our services, and the respective rights, obligations, and responsibilities of each party in connection with the engagement. We tailor all advice and services to your stated investment objectives and financial circumstances. We will discuss with you in detail critically important information such as your risk tolerance, investment experience, time horizon, personal values and goals, and projected future needs, to formulate a customized investment policy. This policy guides us in objectively and suitably managing your account. Clients may impose reasonable restrictions on investing in certain securities or types of securities. We consider such restrictions when preparing the investment strategy and in making recommendations for your account. D We do not participate in any wrap-fee programs. E As of December 31, 2022, Values Added Financial managed $124,415,194 in client assets on a discretionary basis and $243,533 client assets on a non-discretionary basis.