Firm Description Clark Financial Services Group, Inc. was organized in April 1992. On July 27, 2018, Clark Financial began marketing its services as Gardius Wealth Advisors (Indicated as “CFSG,” “we” or “our”). CFSG offers financial planning and investment supervisory services, including furnishing advice to clients on matters not involving securities. Typically, our investment strategies primarily involve investing client assets in a portfolio of mutual funds. However, we also recommend investments in individual equities (common and preferred stock) and exchange traded funds. We also recommend investment allocations in existing variable life insurance policies and variable annuities. If requested by a client, and as part of our financial planning services, we also review and provide investment advice with respect to employer stock options, debt securities, and other client investments. We may recommend other professionals (e.g., lawyers, accountants, insurance agents, real estate agents, etc.) at the request of the client. Other professionals are engaged directly by the client on an as-needed basis even when recommended by CFSG. Conflicts of interest will be disclosed to the client and managed in the best interest of the client. No fees or commissions are shared in these arrangements. Principal Owners CFSG is owned by Christopher W. Schulenburg, Chairman and Kevin A. Clark, President. Advisory Services Creation of the Initial Financial Plan Our advisory services typically begin with a financial plan tailored to the financial needs and objectives of the individual client. A client who chooses to waive financial planning services will not receive a reduced fee. While each client’s situation is unique, we typically use the following six-step process in developing a client’s initial financial plan: □ Identify goals and needs. At the outset, one of our advisors will meet with the client to discuss the client’s goals and financial needs. □ Gather financial information. The financial advisor will gather client financial information, such as bank and brokerage statements, insurance policies, tax returns, retirement plans, and estate documents. □ Analyze financial information. We analyze this information to understand the client’s financial situation and to determine how to meet the client’s goals and financial needs. □ Develop a written financial plan. The financial adviser develops a written financial plan that makes recommendations designed to meet the client’s objectives and needs. Before the financial plan is presented to the client, all of our financial advisors meet at least once to review and revise the financial plan. □ Presentation of financial plan. The financial advisor will meet with the client to present and discuss the financial plan. If required, the financial advisor makes additional revisions to the financial plan based on this meeting to ensure that the plan is consistent with the client’s goals and expectations. □ Implementation of the financial plan. The financial advisor implements the investment recommendations contained in the client’s financial plan and assists the client in taking the other actions recommended in the financial plan. Financial Planning Areas Depending on the needs and objectives of the client, and the complexity of the client’s financial situation, our financial planning services will typically include one or more of the following areas: □ Cash flow and tax analysis. We analyze a client’s current and projected future income, expenses, income taxes, and debt. This may include tax planning and coordination with outside tax professionals. We then recommend steps for the client to take to help optimize the client’s resources available to meet his or her financial goals. This may include debt management strategies, assisting in major purchase decisions, cash reserve techniques, and family budgeting. □ Investment planning.

This includes analyzing client investments and recommending steps to assist the client in optimizing the performance of his or her investments to reach future financial goals. □ Retirement planning. We use financial models to project cash flow needs and income available for a client’s retirement, evaluate the client’s retirement plan pay-out options, and analyze the potential impact of inflation. This may include assisting the client in determining whether (or to what extent) to participate in any employer-sponsored benefit plan. We may also make recommendations as to what types of other tax-advantaged retirement accounts may be appropriate for the client. □ Protection of needs. We inventory and review the client’s insurance policies, including life, disability, and long-term care. We also analyze the needs of the client and the client’s family in the event of the client’s death, disability, or long-term care. This may include reviewing the client’s asset protection needs and property and casualty insurance policies. Based on our analysis, we may make certain observations about the adequacy of the client’s insurance coverage and recommend additional insurance products and coverage. □ Estate planning and coordination. We assist the client in preparing to pass the client’s wealth on to his or her beneficiaries. This may include coordinating with the client’s estate planning attorney to ensure that the client’s estate plans are consistent with his or her financial goals and expectations. We may also make recommendations designed to ensure that an estate or testamentary trust is able to meet its obligations, such as distribution of assets and payment of estate taxes. □ Education funding analysis. We evaluate and determine the amount of savings required to meet the client’s goals for funding public or private school, college, and/or graduate school education for his or her children, grandchildren, or others. This may also include financial aid analysis. Ongoing Financial Planning Services The creation of a client’s financial plan is just the first step of our financial planning process. On an ongoing basis, CFSG will monitor the client’s progress toward identified goals, and provide the client with periodic written reviews of the client’s portfolio. Our ongoing financial planning services also include unlimited telephone support and meetings. Clients are encouraged to meet with their CFSG investment advisor periodically to discuss their financial plan, review financial documents, and to evaluate the client’s financial situation. Because a client’s financial plan is based on information provided by the client, clients are encouraged to contact their CFSG financial advisor promptly to discuss any changes to their financial situation, goals or needs. CFSG’s ongoing financial planning service includes updates to financial plans. Implementation of the investment portion of the financial plan Once the client has approved of the financial plan, CFSG will implement the investment recommendations contained in the financial plan. To do this, CFSG typically requests discretionary authority over the client’s brokerage accounts. This authority is set forth in the terms of the investment management agreement and brokerage account application signed by the client. Tailored Relationships At CFSG, financial planning and advisory services are tailored to the individual needs of clients. Client goals and objectives are clarified in meetings and via correspondence, and are used to determine the course of action for each individual client. Clients may impose reasonable restrictions on investing in certain securities or types of securities. This must be done in writing and be signed by the client and CFSG. Managed Assets As of December 31, 2023, CFSG managed approximately $346,823,490 in client assets on a discretionary basis, and approximately $39,456,759 on a non-discretionary basis.