ITEM 5 - ADDITIONAL COMPENSATION ........................................................................... ii ITEM 6 - SUPERVISION .......................................................................................................... ii Brigand Kline, CFP® ................................................................................................................... iii ITEM 2 - EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE................... iii Professional Designations ...................................................................................................... iii CERTIFIED FINANCIAL PLANNER™ professional ......................................................... iii ITEM 3 - DISCIPLINARY INFORMATION ........................................................................... iv ITEM 5 - ADDITIONAL COMPENSATION .......................................................................... iv ITEM 6 - SUPERVISION .......................................................................................................... v Bryan Pridmore, II, CFP®........................................................................................................... vi ITEM 2 - EDUCATIONAL BACKGROUND AND BUSINESS EXPERIENCE................... vi Professional Designations ...................................................................................................... vi CERTIFIED FINANCIAL PLANNER™ professional ......................................................... vi ITEM 3 - DISCIPLINARY INFORMATION .......................................................................... vii ITEM 5 - ADDITIONAL COMPENSATION ......................................................................... vii ITEM 6 - SUPERVISION ........................................................................................................ vii Privacy Policy ............................................................................................................................... A Mission Trails Financial® Brochure Revised May 23, 2023 6 Description of Advisory Firm Southern Style Financial, Inc., dba Mission Trails Financial® (“MTF,” “we,” “our,” or “us”), is a privately-owned corporation headquartered in San Diego, California. MTF is registered as an investment adviser with the U.S. Securities and Exchange Commission. Kristen Kline founded MTF and registered the firm in 2015. Fiduciary Duty Registered investment advisers are considered fiduciaries under federal law. Our fiduciary duty carries with it an obligation to act in the best interest of our clients pursuant to a relationship of trust and confidence. It encompasses a duty of care and a duty of loyalty. Duty of Care The duty of care includes, among other things: 1. the duty to provide advice that is in the best interest of the client; 2. the duty to seek best execution of a client’s transactions where the adviser has the responsibility to select broker-dealers to execute client trades; and 3. the duty to provide advice and monitoring over the course of the relationship. The duty to provide advice suitable to each client based on a reasonable understanding of the client’s objectives is a critical component of the duty of care. Providing suitable advice includes making a reasonable inquiry into the client’s financial situation, investment experience, and financial goals and then updating this information as necessary throughout the course of the relationship to reflect the client’s changing objectives over time and adjusting the advice we provide to reflect any changed circumstances. When MTF has the responsibility to select broker-dealers to execute client trades in discretionary accounts, we seek to trade such that the client’s total cost or proceeds in each transaction are the most favorable under the circumstances. In doing so, we consider the full range and quality of a broker’s services and so the determinative factor is not necessarily the lowest possible commission cost but whether the transaction represents the best qualitative execution. Moreover, we periodically and systematically evaluate the execution we receive on behalf of our clients. Our duty of care includes an obligation to provide advice and monitoring at a frequency that is in the best interest of the client, taking into account the scope of the agreed relationship. This scope is indicated by the duration and nature of the services as outlined in each client’s advisory arrangement and extends to all personalized advice provided to clients. Duty of Loyalty MTF adheres to a duty of loyalty where we seek to serve the best interests of our clients and never subordinate the interests of our clients to our own. Simply put, MTF cannot place its own interests ahead of the interests of our clients. In observance of this duty, we must make full and fair disclosure to clients of all material facts relating to the advisory relationship. Further, we also seek to eliminate or at least expose through full and fair disclosure all conflicts of interest which might incline MTF, consciously or unconsciously, to render advice that is not disinterested. We believe that in order for disclosure to be full and fair, it should be sufficiently specific so that each client is able to understand the material fact or conflict of interest and make Mission Trails Financial® Brochure Revised May 23, 2023 7 an informed decision whether to provide consent. Consequently, we provide this ADV 2A brochure to all prospective clients at or before entering into a contract so that they can use the information within to decide whether or not to enter into an advisory relationship. Advisory Services Offered MTF offers the following services to advisory clients: Investment Management Services MTF offers advice to clients regarding asset allocation and the selection of investments. Our investment management services include designing, implementing, and continued monitoring of client accounts. MTF generally invests the account on a fully discretionary basis, limited only by the client’s individual needs and any restrictions imposed on the account. MTF will primarily utilize the following investment types when making investment purchases in client accounts: 1. Equity securities, such as stocks and foreign securities listed on US exchanges (ADRs) and/or foreign exchanges (ordinaries) 2. Fixed income securities, such as corporate bonds, commercial paper, and certificates of deposit (CDs) 3. Mutual funds 4. Exchange traded funds (ETFs) 5. Money market funds and cash Additionally, MTF’s investment selections, depending on the individual investment objectives and needs of the client may include: 1. Securities with equity and debt characteristics, including convertible bonds, preferred stocks, or other preferred securities 2. Municipal securities 3. U.S. government securities 4. Options contracts on securities and commodities 5. Inflation-indexed bonds MTF may also occasionally utilize additional types of investments if they are appropriate to address the individual needs, goals, and objectives of the client or in response to client inquiry. MTF may offer investment advice on any investment held by the client at the start of the advisory

relationship. We describe the material investment risks for many of the securities that we utilize under the heading Specific Security Risks in Item 8 below. We discuss our discretionary/non-discretionary authority below under Item 16 - Investment Discretion. For more information about the restrictions clients can put on their accounts, see Tailored Services and Client Imposed Restrictions in this item below. We describe the fees charged for investment management services below under Item 5 - Fees and Compensation. Mission Trails Financial® Brochure Revised May 23, 2023 8 Financial Planning Services MTF offers a range of financial planning services, from broad planning to custom planning focused on specific areas requested by the client. As part of the financial planning process, MTF collects information about the client’s financial situation and needs, which may include net worth, income, expenses, taxes, investments, retirement plans, life insurance, disability insurance, health insurance, long term care insurance, business agreements, divorce papers, pre-nuptial agreements, estate documents, and any other documents that pertain to their overall financial picture. In addition, MTF asks the client about their future goals and objectives. MTF then develops a written personalized plan including specific recommendations in all applicable areas. Typically, we develop the plan with the client over several in-person meetings. MTF may also work with the client to provide advice regarding a particular aspect of the client’s financial situation. Areas of focus might include: 1. Preparing for or living in retirement 2. Investment strategies 3. Estate planning strategies 4. Stock option analysis and planning 5. Insurance: life, disability, medical, long-term care insurance 6. Family savings and cash flow planning 7. Education planning and funding 8. Charitable gifting 9. Debt management 10. Employee benefit usage 11. Other, as determined between MTF and the client A conflict exists between the interests of MTF and the interests of the client when we make financial planning recommendations that include other services we offer. For example, clients that act on our recommendation to hire us for investment management services pay us advisory fees that are separate from the fees we charge for financial planning services. Consequently, clients are under no obligation to act upon our recommendations and if they do elect to act on any of our recommendations, they are under no obligation to effect the transaction(s) through MTF. Financial plans require different timelines to complete based on the scope and complexity of the plan. However, all plans will be provided within 6 months of the engagement. Additional services and/or changes to existing engagements requested by the client may trigger new timelines. Our financial planning services do not include preparation of any kind of income tax, gift, or estate tax returns nor preparation of any legal documents, including wills or trusts. We describe fees charged for financial planning services below under Item 5 - Fees and Compensation. Limitations on Investments Limitation by Plan Sponsor/Employer In the event MTF is managing assets within a retirement plan such as 401(k), 403(b), or other employer plan, MTF is limited to those investment providers and investment options chosen by the plan administrator. Similarly, when we provide services to participants in an employer- Mission Trails Financial® Brochure Revised May 23, 2023 9 sponsored plan, the participant may be limited to investing in securities included in the plan’s investment options. Therefore, MTF can only select investments/make recommendations to the client from among the available options and will not recommend or invest the client’s account in other securities, even if there may be more suitable options elsewhere. Mutual Fund Limitations No Load Mutual Funds MTF generally limits recommendations of mutual fund(s)/selections to no load funds or load- waived equivalents. Treasury Inflation Protected Securities Funds (TIPS) MTF does not utilize individual TIPS but may utilize mutual funds and exchange traded funds that include TIPS within the underlying fund holdings. Real Estate Investment Trust Funds (REIT) MTF does not utilize individual REITs but may utilize mutual funds/ETFs that include REITs within the underlying fund holdings. Limitation by Custodian There may also be limitations on the securities MTF may recommend/utilize in a client’s account based on which broker-dealer holds the account. Most clients establish brokerage accounts with Fidelity Institutional Wealth Services, a division of Fidelity Brokerage Services, Inc. (“Fidelity”), registered broker-dealer, Member SIPC. Fidelity offers a broad range of investment products, but we may occasionally recommend a security for the client that Fidelity does not have available. We can purchase the securities from another firm and have them transferred to the client’s Fidelity account, but Fidelity may charge the client additional fees. MTF considers these fees when we recommend outside securities. Conflict Disclosure for Rollover Recommendation Mission Trails Financial provides services to retirement plans and plan participants. A conflict of interest arises when Mission Trails Financial makes recommendations about retirement plan distributions and rollovers to IRAs, IRA to IRA transfers, IRA to plan rollovers, plan to plan rollovers and transfers from one account to another such as a commission-based to a fee-based account (each, a “rollover recommendation”) if it results in Mission Trails Financial receiving compensation that it would not have received absent the recommendation, for example, fees for advising or managing a rollover IRA. Mission Trails Financial will manage this conflict through a process designed to develop an informed recommendation in the best interest of the client. No client is under an obligation to roll over plan or IRA assets to an account advised or managed by Mission Trails Financial. When Mission Trails Financial makes a rollover recommendation to a client, it is fiduciary advice under the Investment Advisers Act of 1940 (the “Advisers Act”). Also, when Mission Trails Financial provides investment advice to a plan participant about his/her retirement plan account or to an IRA owner about his/her IRA, including a rollover recommendation, Mission Trails Financial is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (the “Code”), as applicable, which are laws governing retirement plans and accounts. In addition to being a conflict of interest, it is also a prohibited transaction under ERISA and/or the Code where Mission Trails Financial receives compensation as a result of the rollover that it would not have received absent the recommendation. In that circumstance, Mission Trails Financial® Brochure Revised May 23, 2023 10 Mission Trails Financial will comply with the conditions of exceptions to the prohibited transaction rules (e.g., an applicable prohibited transaction exemption such as PTE 2020-02 or non-enforcement policy). Tailored Services and Client Imposed Restrictions MTF manages client accounts based on the investment strategy, as discussed below under Item 8 - Methods of Analysis, Investment Strategies, and Risk of Loss. MTF applies the strategy for each client, based on the client’s individual circumstances and financial situation. We make investment decisions for clients based on information the client supplies about their financial situation, goals, and risk tolerance. Our investment selections may not be suitable if the client does not provide us with accurate and complete information. It is the client’s responsibility to keep MTF informed of any changes to their investment objectives or restrictions. We generally do not permit clients to place restrictions on accounts. However, at our discretion, we may allow client-imposed restrictions on a limited basis. Clients may request other limitations on the account, such as when a client needs to keep a minimum level of cash in the account. MTF reserves the right to not accept and/or terminate management of a client’s account if we feel that the client-imposed restrictions/limitations would limit or prevent us from meeting or maintaining the client’s investment strategy. Wrap Fee Programs MTF does not manage accounts as part of a wrap or bundled fee program. Assets Under Management MTF manages client assets in discretionary accounts on a continuous and regular basis. We also provide non-discretionary services to participant-directed retirement plans. As of January 20, 2023, the total amount of assets under our management was: Discretionary Assets $119,431,688 Non-Discretionary Assets $ 11,147,282 Total Assets $130,578,970