Firm Description Baring Financial, LLC (“Baring Financial,” “us,” “we,” “firm”) was founded in 2014 and became registered as an investment adviser in 2015. Melvin Danson is the sole owner of Baring Financial. We provide personalized, confidential investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client on an as-needed basis. Conflicts of interest will be disclosed to the client in the unlikely event they should occur. The initial meeting, which may be by telephone, is free of charge and is considered an exploratory interview to determine the extent to which our investment management services may be beneficial to the client. Types of Advisory Services We provide ongoing asset management services on a discretionary basis. Suitable asset management requires examination of each client’s personal financial affairs. We work with you to set realistic and measurable goals and define objectives to help reach those goals. As a client’s particular circumstances change, we will update your goals and objectives as needed and appropriate. We gather and retain suitability and profile details for our clients, including the client’s current financial situation, cash flow needs, investment objectives, and other information we need to provide investment advice for the client’s specific situation and investing needs. We create an Investment Policy Statement at the onset of the relationship to reflect each client’s stated goals and objective and help guide our selection of a portfolio model that meets your individual needs. As your goals and objectives change over time, we will update your Investment Policy Statement as needed. Clients may impose restrictions on investing in certain securities or types of securities. We work with you to implement your customized portfolio. We manage portfolios on a discretionary basis, typically using strategies that contain mutual funds, ETFs, individual equities, and fixed income solutions, though we are not limited to specific security types. We recommend a brokerage/custodial platform we believe best suited to the client’s investments, needs, and the services we will provide to them. See Item 12 of this brochure for a discussion of the costs associated with these different platforms and the conflicts of interest present when we make our recommendation.  Schwab & Co., Inc. (Schwab) acts as broker-dealer/custodian and offers a full range of products in addition to execution and custodial services. is the primary broker- dealer/custodian we recommend providing our clients with brokerage and custodial services.  SEI Private Trust (SEI) offers various investment models and programs. We use the SEI platform to create custom models for clients. SEI offers both proprietary and non- proprietary investment options but does not offer access to all publicly traded securities and cannot custody all publicly traded securities. Individual security management, derivatives, and legacy position management are not generally features of managed accounts at SEI. This is primarily a legacy platform for us. We believe Schwab offers comparable services and we are more likely to recommend Schwab for new clients working with our firm.  Shareholders Service Group (SSG) is a broker-dealer providing trade execution services for independent investment advisers like Baring Financial. Accounts opened with SSG are custodied with Pershing LLC, a subsidiary of The Bank of New York Mellon Corporation. Pershing LLC also provides clearing and settlement of trades executed through SSG. SSG/Pershing offers a robust brokerage and operational platform. Accounts have investment allocations to customized security selection as well as the ability to use model portfolios. The details of our asset management services and the fees we charge are captured in our written Investment Advisory Agreement, which is signed prior to the start of the relationship. We provide periodic financial reports to

clients as needed, as requested, and as appropriate for the client’s given circumstances and planning needs. Tax preparation work is not included in our investment advisory services. If the client chooses to use the tax preparation services of our affiliate firm, that is done under a separate engagement and fee. Clients are under no obligation to use our tax preparation services. See Item 10 of this brochure for details about our affiliated firm. We recommend primarily no-load or low-load mutual funds and exchange-traded funds for our clients’ portfolios. Other investments may include stocks, warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, U.S. government agency securities, and options contracts. We do not offer investment recommendations regarding privately held securities, and Initial public offerings (IPOs) are not available through our firm. Use of Third-Party Advisers At times we recommend the use of a third-party investment adviser to manage a portion of a client’s portfolio. We’re more likely to recommend a third-party adviser for a larger portfolio with potentially significant future tax liabilities. Clients will sign an account agreement directly with that other adviser through our custodian’s third- party adviser platform. That account agreement will authorize the other adviser to charge a fee and directly deduct that fee from the client’s account. The fee they charge is in addition to the fee we charge. See Item 5 of this brochure for further discussion of our fees. Important Information for Retirement Investors When we recommend that you rollover retirement assets or transfer existing retirement assets, such as a 401(k) or an IRA, to our management, we have a conflict of interest. This is because we will generally earn additional revenue when we manage more assets. In making the recommendation, however, we do so only after determining that the recommendation is in your best interest. Further, in making any recommendation to transfer or rollover retirement assets, we do so as a “fiduciary,” as that term is defined in ERISA or the Internal Revenue Code, or both. We also acknowledge we are a fiduciary under ERISA or the Internal Revenue Code with respect to our ongoing investment advisory recommendations and discretionary asset management services, as described in the advisory agreement we execute with you. To the extent we provide non-fiduciary services to you, those will be described in the advisory agreement. Termination of Services A Client may terminate our Agreement without penalty within five business days of entering into our advisory agreement. After five business days, the client or Baring Financial may terminate an Agreement by written notice to the other party. We are not responsible for investment allocation or advice upon receipt of a client's termination notice. We will also need to inform the custodian of record that the relationship between parties has been terminated if the client has not already done so. At termination, for any accounts where fees were paid in advance, fees will be billed on a pro rata basis for the portion of the quarter completed and any unearned fees will be refunded to you. The portfolio value at the completion of the prior full billing quarter is used as the basis for the fee computation, adjusted for the number of days during the billing quarter prior to termination. We will provide a final invoice detailing the amount of fees charged initially, what was earned (the days the account was managed during the quarter), and the amount of your refund. For accounts where fees are billed in arrears, fees will be billed on a pro rata basis for the portion of the quarter completed where our fees were earned, but not yet paid. The portfolio value will be as of the last day your assets were under our management and prior to any assets transferring out. We will provide a final invoice detailing the amount of fees charged initially, what was earned (the days the account was managed during the quarter), and the amount due to us. Assets Under Management As of January 22, 2024, we managed assets of $136,435,327, all on a discretionary basis.