A. Description of the Advisory Firm Sound Financial, LLC. (hereinafter “SFG”) is a Limited Liability Corporation organized in the State of Washington. The firm was formed in March 2015 and registered as an investment adviser in April 2018. The principal owners are Galt’s Refuge, LLC, and Cordan, LLC. B. Types of Advisory Services Management via Recommendation of Other Advisers SFG will recommend that the client engage a third-party investment adviser, specifically AssetMark and/or Betterment LLC. Before recommending other advisers for clients, SFG will always ensure those other advisers are properly licensed or registered as an investment adviser. SFG conducts due diligence on any third-party investment adviser it recommends, which may involve one or more of the following: phone calls, meetings and review of the third-party adviser's performance and investment strategy. SFG will then review the ongoing performance of the third- party adviser(s) selected. Financial Planning Financial plans and financial planning may include but are not limited to: investment planning; life insurance; tax concerns; retirement planning; college planning; and debt/credit planning. Clients should refer to Item 5 below for additional details. Speaking Engagement Services SFG will perform prepared materials, participate in expert panels, and as a subject matter expert to groups on topics as agreed upon by the booking client in advance. SFG gives generalized advice to large audiences, making sure to disclose that individual situations will vary and to consult a financial professional regarding any specific situation. SFG will present on the topics of financial planning, retirement planning, household spending, and entrepreneurship. Services Limited to Specific Types of Investments

SFG generally limits its investment advice to mutual funds and insurance products (including annuities), although SFG will opine on individual security positions in a client’s account. SFG also periodically offers educational seminars and workshops by invitation. C. Client Tailored Services and Client Imposed Restrictions SFG will provide tailored financial advice for each 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 SFG on behalf of the client. SFG recommends model allocations, which are not personalized by SFG, Betterment, or AssetMark, client-by-client and thus do not allow for clients impose restrictions based on social values or morals. However, SFG will take into account the individualized investments needs, restrictions, and targets of the client when making model allocation recommendations and provides customized investment advice for each individual client. D. Wrap Fee Programs AssetMark and Betterment LLC act as portfolio manager for a wrap fee program, which is an investment program where the client pays one stated fee that includes management fees, transaction costs, and certain other administrative fees. The wrap fee program is sponsored by SFG; AssetMark and/or Betterment LLC manage the investments in the wrap fee program. AssetMark and Betterment are not a related person of SFG; however, SFG has an agreement in place with AssetMark, and Betterment LLC to serve as a third-party advisor. This brochure describes SFG’s non-wrap fee advisory services; clients utilizing SFG’s wrap fee portfolio management should see SFG’s separate Wrap Fee Program Brochure. Please see Item 5 and