Prospect Financial Group LLC provides financial planning and investment management services to individuals, high net worth individuals, and retirement plans. We are a “fee-only” advisor and do not accept commissions or referral fees from any third party. As a fiduciary, we place your interest above our own and avoid conflicts of interest. Firm Description Prospect Financial Group LLC is a limited liability company formed in 2004 in Virginia. Gillian Curran is the sole owner of the company and its only investment advisor representative. Prospect Financial Group LLC provides investment advice and financial planning. Investment Advisory Services Prospect Financial Group LLC provides fee-only portfolio management services that are tailored to the individual needs of clients. Prospect Financial Group LLC primarily allocates investment management assets of its client accounts among various asset classes using mutual funds and exchange traded funds, but investment advice may include other types of investments. In certain unique circumstances or if requested by a client, Prospect Financial Group LLC will allocate a portion of a portfolio to a separately managed stock account based upon client account size, investment strategy, and tax circumstances. In these situations, Prospect Financial Group LLC may directly manage the account or contract a third-party manager. Prospect Financial Group LLC will monitor the performance of the separately managed account. If Prospect Financial Group LLC determines that a particular selected separate manager is not providing sufficient management services to the client, or is not managing the client’s portfolio in a manner consistent with the client’s personal investment guidelines or asset allocation, Prospect Financial Group LLC will remove the client’s assets from the selected account manager and place the client’s assets directly under its own management or with another investment manager at Prospect Financial Group’s discretion (for discretionary accounts). Prospect Financial Group LLC may advise clients on held-away accounts using data aggregation software to monitor the accounts. These are typically 401(k) or 403(b) accounts, which may not allow a Limited Power of Attorney for trading. When unable to place trades with the custodian, Prospect Financial Group LLC will advise clients on changes to make in their accounts or use an order management system

to request trades on the client’s behalf. Clients may impose restrictions on investing in certain securities or types of securities. Please see Item 8 on Methods of Analysis, Investment Strategies and Risk of Loss for more details. Financial Planning Services Financial planning services include:  Retirement Planning  Education Planning  Major Purchase Planning  Insurance Planning  Asset Location and Tax Strategies  Estate Planning, and  Debt and Cash Flow Planning. Prospect Financial Group does not provide tax or legal advice. Clients are encouraged to seek advice from an independent tax advisor. Clients who engage Prospect Financial Group for financial planning services should be aware that a conflict exists between the interests of the investment adviser and the interests of the client. The client is under no obligation to act upon the investment adviser's recommendation. If the client elects to act on any of the recommendations, the client is under no obligation to engage Prospect Financial Group for investment management or other follow-on services. Implementation Support If requested by the client, Prospect Financial Group may recommend the services of other professionals for implementation purposes. The client is under no obligation to engage the services of any such recommended professional. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any recommendation from Prospect Financial Group LLC. If a client engages any such recommended professional, and a dispute arises thereafter relative to such engagement, the client agrees to seek recourse exclusively from and against the engaged professional. Retirement Plan Advisory Services Prospect Financial Group may advise small business retirement plans. For such clients Prospect Financial Group may assist the plan in selecting a recordkeeper, creating an investment policy statement, selecting investments, monitoring investments, and providing participant education. Wrap Fee Programs Prospect Financial Group LLC does not participate in wrap fee programs. Client Assets As of December 31, 2023, Prospect Financial Group LLC managed $159,400,000 in client assets on a discretionary basis and $0 client assets on a non-discretionary basis. Prospect Financial Group LLC also advised on $11,600,000 in non-regulatory assets.