Firm Description Safeguard Financial, LLC d/b/a Safeguard Wealth Management (“SWM’) was founded in 2019. SWM is owned by:  Anthony J. Hellenbrand - 40%  Eric H. Sajdak - 60% SWM is a fee-based investment management firm. Types of Advisory Services Comprehensive Wealth Management Our Comprehensive Wealth Management service encompasses asset management as well as the option of financial planning/financial consulting to Clients. It is designed to assist Clients in meeting their financial goals through the use of various investments. We meet with Clients several times in order to understand their current financial situation, existing resources, estate planning documents, qualified plans, Social Security benefits and claiming options, pension benefits and claiming options, insurance policies, tax status, financial goals, tolerance for risk, and more. Based on the facts we’ve learned about the client, we propose a comprehensive plan to the Client, including but not limited to: Asset Allocation, Fund Selection, Asset Selection, and more. We may propose an investment portfolio, consisting of Exchange Traded Funds (“ETFs”), or other securities, depending on what is suitable to that specific Client’s goals and objectives. Once the Client executes the Investment Advisory Agreement, we are granted discretionary authority over investment accounts we manage. We work with the Client to establish or transfer investment accounts so that we can manage the Client’s portfolio. Once the relevant accounts are under our management, we review such accounts on a regular basis. We are granted discretionary authority through the Investment Advisory Agreement to rebalance or adjust Client accounts under our management. After we are granted discretion, we do not need client permission to adjust their portfolio. Any potential conflicts of interest will be clearly disclosed to the Client later in this brochure and also throughout the planning conversation. A conflict of interest exists between the interests of the investment advisor and the interests of the Client in that the investment advisor representatives are insurance agents

and part of the plan may be a recommendation to purchase insurance products. The Client is under no obligation to act upon any SWM recommendation. The conflict is mitigated by disclosures, a thorough discovery and fact-finding process and the firm’s Fiduciary Obligation to place the best interests of the Client first. The Client is never under any obligation to purchase any products or services at any time. Furthermore, if the Client elects to act on any recommendation, the Client is under no obligation to effect transactions through SWM or any other affiliated entity or person. Tailored Advisory Services We offer highly customized individualized investment advice to Clients utilizing our Comprehensive Wealth Management service. While average financial plans gather relevant financial information and then take only an hour or two to complete, our comprehensive service entails:  A detailed discussion of goals  A detailed discussion of risk  A detailed discussion of the assumptions used in planning (longevity, inflation, investment performance, Social Security COLA, Claiming strategies, Pension options, The Affordable Care Act, The Tax Cuts and Jobs Act, etc.)  Stress testing that includes up to 1,000 scenarios of their entire plan for any individual variable change.  Coordination of Proactive RMD Planning, Roth Conversion Strategies, Alternative Minimum Tax Planning, College Planning, Multi-Generational Planning, Gifting Strategies, etc. with other professionals such as accountants, attorneys, bankers, insurance agents, and other subject matter experts. Each Comprehensive Wealth Management Client has the opportunity to place restrictions on the types of investments to be held in the portfolio. Restrictions on investments in certain securities or types of securities may not be possible due to the level of difficulty this would entail in managing the account. Wrap Fee Programs SWM does not participate in or sponsor a wrap-fee program. Assets Under Management As of July 14, 2023, SWM managed approximately $262,960,000 in client assets. All these assets are managed on a discretionary basis.