Form ADV Part 2A, Item 4 Farrow Financial, Inc. is a fee only Registered Investment Adviser. We offer financial planning, investment management, and consulting services to individuals, trusts, estates, charitable organizations, corporations, other business entities, pension plans, and profit sharing plans. Farrow Financial, Inc. has been providing these services since 1981. Jody Davignon and John Farrow are the owners of the firm. Financial Planning Services We offer comprehensive financial planning services. The plan is designed to provide you with the tools and recommendations to structure your financial affairs to meet your goals. The plan also serves as a guide for developing an individualized investment strategy. Each financial plan is individually tailored depending on your needs. The following areas may be addressed in the plan:
• Goal Identification- Short term goals, long term goals, and prioritization of these goals.
• Cash Flow & Net Worth Analysis- Spending analysis, income and expense projections, asset identification, and liability analysis.
• Insurance Planning- Risk identification, analysis of current coverage, alternative options.
• Investment Planning- Analysis of current investment assets and strategies.
• Tax Planning- Review of current income tax rates, carry forward losses, and analysis of projected tax events.
• Retirement Planning- Analysis of current strategies and assets, review of current available plans, benefits, and pensions through employers, and analysis of other options.
• Estate Planning- Review current plan and analyze needs and objectives. We gather the required information through in-depth questionnaires and personal interviews. The information includes your current financial status, future goals, and attitudes towards risk. As part of the implementation phase of the financial plan, we will recommend that you work closely with your other advisers. Depending on your situation this may include your attorney, accountant, insurance agent, and/or broker. Our fee for financial planning depends on how complex your affairs are. Most plans cost between $2,000- $5,000 for the initial preparation and $500-$1,000 for reviews and updates. Financial planning fees are waived for all investment management clients. You will be billed directly for these services once they are performed. Financial planning fees are not refundable. Investment Management Services We begin all investment management relationships by developing a financial plan unless you decline this service. The financial plan serves as a guide for the development of an individualized investment strategy. Once a strategy has been developed, we implement the strategy and monitor your investment portfolio on a regular basis. We make changes to the portfolio as warranted by market conditions or changes in your financial circumstances. We hold periodic investment reviews. These reviews can take place either in person, by phone, or by video conferencing with Jody Davignon. During these reviews we will discuss our current market analysis, changes to our strategy over the past year, and the performance of your accounts. We will also use this opportunity to review any changes that may have occurred in your personal or financial life. You have the opportunity to place reasonable restrictions on your investment accounts (restrict the purchase and

sale of specific securities, restrict certain types of investments, etc.). These instructions need to be made in writing. You may choose to decline a complete financial plan. In this case you will need to meet with us to discuss investment objectives, risk tolerance, and other relevant information so we are able to develop a suitable investment strategy. You may also periodically decline the reviews if no material changes have taken place, but we strongly advise all clients to participate in a review at least every other year. Our fee for investment management services, which includes our comprehensive financial planning service, is based on a percentage of assets under management as set forth in the following fee schedule: Fee Schedule 1% per year on balances from $0-$500,000 Plus 0.75% on balances from $500,001-$1,000,000 Plus 0.5% on balances above $1,000,001 Our annual portfolio management fee is billed and payable quarterly in advance based on the value of the account on the last day of the previous quarter. The first fee payment is due on execution of our investment agreement and will be assessed pro-rata if the agreement is executed other than the first day of the new calendar quarter. Our fee is negotiable. Employees and immediate family members may receive reduced or waived fees. For example, an account worth $1,500,000 on the last day of the previous quarter would receive a bill calculated as follows: Portfolio Valuation with Accrued Interest as of X-XX-XX $1,500,000 $500,000 @ 1.00% per annum $1,250 $500,000 @ 0.75% per annum $ 937 $500,000 @ 0.50% per annum $ 625 Quarterly Management Fee $2,812 You may choose whether you want the management fee deducted from your investment account or billed to you directly. You will need to select what billing method you choose on Schedule A of your Investment Advisory Agreement. If you have your fees deducted from your account you will receive an informational copy of the bill from Farrow Financial, Inc. You will also see the deduction on the statement you receive from your broker. In reporting quarterly reports and fee calculations we use valuations provided by custodians. If you terminate the Investment Advisory Agreement within five business days of signing, you will receive a full refund of all fees. If the agreement is terminated after five business days of signing, any prepaid fees will be promptly refunded, and any earned, unpaid fees will be due and payable. Farrow Financial, Inc. does not participate in broker wrap fee programs. Consulting Services We provide financial consulting services. These include but are not limited to business valuations, business transaction consulting, research services, and non-continuous investment reviews. Our fees for consulting services are negotiated on a case by case basis. These fees may be billed at rates of $100-$300 per hour, or you may be charged a flat annual fee payable quarterly in advance. You will be billed directly for these services. Fees paid in advance are refundable. Upon termination of an account any prepaid unearned fees will be promptly refunded, and any earned, unpaid fees will be due and payable. Assets Under Management As of March 17, 2023, we managed approximately $194,880,909 in client assets. On a discretionary basis we managed $194,880,909 and on a non-discretionary basis we managed $0.